Home > Haverhill Bank > Performance and Condition Ratios
Haverhill 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 | 4.1974% | 3,627 |
| Cost of funding earning assets | 1.6605% | 1,541 |
| Net interest margin | 2.5369% | 4,056 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2403% | 3,006 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3081% | 4,013 |
| Return on assets (ROA) | 0.6908% | 3,194 |
| Pretax return on assets | 0.8752% | 3,026 |
| Return on Equity (ROE) | 8.5700% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.5690% | 1,375 |
| Net charge-offs to loans | 0.0016% | 2,765 |
| Credit loss provision to net charge-offs | 1,985.7143% | 229 |
| Earnings coverage of net charge-offs (x) | 340.4286% | 395 |
| Efficiency ratio | 84.3748% | 644 |
| Assets per employee ($millions) | 8.9656% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 3,974 |
| Loan loss allowance to noncurrent loans | 1,444.6281% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,338 |
| Noncurrent loans to loans | 0.0550% | 3,330 |
| Net loans and leases to total assets | 73.7600% | 1,389 |
| Net loans and leases to deposits | 89.1356% | 1,330 |
| Net loans and leases to core deposits | 114.1912% | 810 |
| Total domestic deposits to total assets | 82.7500% | 2,954 |
| Equity capital to assets | 8.3996% | 3,120 |
| Core capital (leverage) ratio | 9.8919% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2410% | 1,783 |
| Memoranda: | ||
| Average total assets | $574,391,000 | 1,537 |
| Average earning assets | $545,814,000 | 1,507 |
| Average equity | $46,306,400 | 1,698 |
| Average total loans | $425,902,000 | 1,412 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,593 |
| Cost of funding earning assets | 1.5247% | 1,543 |
| Net interest margin | 2.6118% | 4,015 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.2446% | 2,955 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3541% | 4,039 |
| Return on assets (ROA) | 0.3974% | 3,965 |
| Pretax return on assets | 0.5040% | 3,899 |
| Return on Equity (ROE) | 4.9800% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.9833% | 2,939 |
| Net charge-offs to loans | 0.0006% | 2,634 |
| Credit loss provision to net charge-offs | 6,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,028.0000% | 151 |
| Efficiency ratio | 82.3565% | 708 |
| Assets per employee ($millions) | 8.6294% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 3,967 |
| Loan loss allowance to noncurrent loans | 952.8610% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,193 |
| Noncurrent loans to loans | 0.0846% | 3,156 |
| Net loans and leases to total assets | 74.3900% | 1,300 |
| Net loans and leases to deposits | 88.5661% | 1,337 |
| Net loans and leases to core deposits | 112.1284% | 791 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 7.5653% | 3,318 |
| Core capital (leverage) ratio | 9.6118% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0674% | 1,872 |
| Memoranda: | ||
| Average total assets | $570,055,750 | 1,555 |
| Average earning assets | $541,481,500 | 1,521 |
| Average equity | $45,457,250 | 1,708 |
| Average total loans | $422,385,000 | 1,408 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,592 |
| Cost of funding earning assets | 1.3416% | 1,606 |
| Net interest margin | 2.7058% | 3,963 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2201% | 3,014 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4169% | 3,975 |
| Return on assets (ROA) | 0.8171% | 3,041 |
| Pretax return on assets | 1.0526% | 2,770 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | 10.0718% | 1,384 |
| Net charge-offs to loans | 0.0014% | 2,347 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 546.3333% | 268 |
| Efficiency ratio | 79.3499% | 881 |
| Assets per employee ($millions) | 8.6403% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 4,014 |
| Loan loss allowance to noncurrent loans | 927.6882% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,124 |
| Noncurrent loans to loans | 0.0867% | 3,072 |
| Net loans and leases to total assets | 73.5500% | 1,343 |
| Net loans and leases to deposits | 87.3452% | 1,396 |
| Net loans and leases to core deposits | 109.3911% | 855 |
| Total domestic deposits to total assets | 84.2000% | 2,777 |
| Equity capital to assets | 8.1097% | 3,148 |
| Core capital (leverage) ratio | 9.8839% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2109% | 1,810 |
| Memoranda: | ||
| Average total assets | $567,352,000 | 1,561 |
| Average earning assets | $539,357,000 | 1,530 |
| Average equity | $46,029,667 | 1,699 |
| Average total loans | $418,647,333 | 1,406 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,496 |
| Cost of funding earning assets | 1.1091% | 1,729 |
| Net interest margin | 2.8668% | 3,836 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2230% | 3,034 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5243% | 3,836 |
| Return on assets (ROA) | 0.6852% | 3,456 |
| Pretax return on assets | 0.8968% | 3,249 |
| Return on Equity (ROE) | 8.4400% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.4440% | 2,095 |
| Net charge-offs to loans | -0.0010% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.4047% | 1,212 |
| Assets per employee ($millions) | 8.8307% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 4,058 |
| Loan loss allowance to noncurrent loans | 682.2000% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 2,926 |
| Noncurrent loans to loans | 0.1197% | 2,917 |
| Net loans and leases to total assets | 73.3100% | 1,290 |
| Net loans and leases to deposits | 84.5158% | 1,463 |
| Net loans and leases to core deposits | 104.4335% | 900 |
| Total domestic deposits to total assets | 86.7500% | 2,357 |
| Equity capital to assets | 8.2410% | 3,082 |
| Core capital (leverage) ratio | 9.7880% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2491% | 1,883 |
| Memoranda: | ||
| Average total assets | $561,577,000 | 1,594 |
| Average earning assets | $534,123,000 | 1,559 |
| Average equity | $45,571,000 | 1,725 |
| Average total loans | $413,359,000 | 1,439 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 3,352 |
| Cost of funding earning assets | 0.4932% | 1,441 |
| Net interest margin | 2.9035% | 3,671 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.1690% | 3,103 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6169% | 3,839 |
| Return on assets (ROA) | 0.1483% | 4,469 |
| Pretax return on assets | 0.2104% | 4,438 |
| Return on Equity (ROE) | 1.7200% | 4,411 |
| Retained earnings to average equity (ytd only) | 1.7231% | 4,034 |
| Net charge-offs to loans | -0.0069% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.0379% | 1,437 |
| Assets per employee ($millions) | 8.5845% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,981 |
| Loan loss allowance to noncurrent loans | 1,274.6212% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,334 |
| Noncurrent loans to loans | 0.0646% | 3,280 |
| Net loans and leases to total assets | 72.6900% | 1,345 |
| Net loans and leases to deposits | 82.3438% | 1,593 |
| Net loans and leases to core deposits | 96.7987% | 1,157 |
| Total domestic deposits to total assets | 88.2800% | 1,978 |
| Equity capital to assets | 7.9870% | 3,063 |
| Core capital (leverage) ratio | 9.8519% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2511% | 1,873 |
| Memoranda: | ||
| Average total assets | $542,701,600 | 1,626 |
| Average earning assets | $517,201,600 | 1,586 |
| Average equity | $46,718,800 | 1,713 |
| Average total loans | $379,273,600 | 1,460 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 3,382 |
| Cost of funding earning assets | 0.4497% | 981 |
| Net interest margin | 2.7726% | 3,795 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1489% | 3,079 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5581% | 3,949 |
| Return on assets (ROA) | -0.6334% | 4,678 |
| Pretax return on assets | -0.7969% | 4,682 |
| Return on Equity (ROE) | -7.2200% | 4,680 |
| Retained earnings to average equity (ytd only) | -7.2228% | 4,643 |
| Net charge-offs to loans | -0.0097% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.4025% | 1,236 |
| Assets per employee ($millions) | 8.1757% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,239.0152% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,407 |
| Noncurrent loans to loans | 0.0680% | 3,390 |
| Net loans and leases to total assets | 71.3800% | 1,353 |
| Net loans and leases to deposits | 77.8314% | 1,727 |
| Net loans and leases to core deposits | 89.2399% | 1,344 |
| Total domestic deposits to total assets | 91.7000% | 973 |
| Equity capital to assets | 7.5216% | 3,212 |
| Core capital (leverage) ratio | 9.3980% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0815% | 2,030 |
| Memoranda: | ||
| Average total assets | $538,879,000 | 1,646 |
| Average earning assets | $513,824,000 | 1,609 |
| Average equity | $47,256,750 | 1,709 |
| Average total loans | $371,850,750 | 1,476 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0529% | 3,421 |
| Cost of funding earning assets | 0.4539% | 677 |
| Net interest margin | 2.5989% | 3,914 |
| Noninterest income to average assets | 0.2425% | 3,718 |
| Noninterest expense to average assets | 2.1083% | 3,126 |
| Loan and lease loss provision to assets | 0.0252% | 2,144 |
| Net operating income to assets | 0.4700% | 3,968 |
| Return on assets (ROA) | -0.8948% | 4,704 |
| Pretax return on assets | -1.1377% | 4,708 |
| Return on Equity (ROE) | -9.7412% | 4,724 |
| Retained earnings to average equity (ytd only) | -9.7412% | 4,656 |
| Net charge-offs to loans | -0.0136% | 3,719 |
| Credit loss provision to net charge-offs | -272.0000% | 3,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4097% | 1,136 |
| Assets per employee ($millions) | 8.4655% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,122 |
| Loan loss allowance to noncurrent loans | 1,377.7778% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,546 |
| Noncurrent loans to loans | 0.0605% | 3,501 |
| Net loans and leases to total assets | 71.9337% | 1,108 |
| Net loans and leases to deposits | 79.1308% | 1,456 |
| Net loans and leases to core deposits | 89.4604% | 1,151 |
| Total domestic deposits to total assets | 90.9048% | 1,275 |
| Equity capital to assets | 8.3836% | 2,848 |
| Core capital (leverage) ratio | 9.5304% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2645% | 1,953 |
| Memoranda: | ||
| Average total assets | $538,640,333 | 1,660 |
| Average earning assets | $514,207,667 | 1,626 |
| Average equity | $49,480,333 | 1,697 |
| Average total loans | $366,331,667 | 1,486 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8765% | 3,591 |
| Cost of funding earning assets | 0.4808% | 547 |
| Net interest margin | 2.3957% | 4,077 |
| Noninterest income to average assets | 0.2291% | 3,781 |
| Noninterest expense to average assets | 2.0987% | 3,144 |
| Loan and lease loss provision to assets | 0.0170% | 2,048 |
| Net operating income to assets | 0.3273% | 4,091 |
| Return on assets (ROA) | -0.5402% | 4,696 |
| Pretax return on assets | -0.6946% | 4,709 |
| Return on Equity (ROE) | -5.6378% | 4,712 |
| Retained earnings to average equity (ytd only) | -5.6378% | 4,443 |
| Net charge-offs to loans | -0.0270% | 4,040 |
| Credit loss provision to net charge-offs | -95.8333% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3089% | 896 |
| Assets per employee ($millions) | 8.4935% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 4,142 |
| Loan loss allowance to noncurrent loans | 1,352.3404% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,603 |
| Noncurrent loans to loans | 0.0632% | 3,541 |
| Net loans and leases to total assets | 67.7862% | 1,235 |
| Net loans and leases to deposits | 76.1471% | 1,430 |
| Net loans and leases to core deposits | 85.9704% | 1,131 |
| Total domestic deposits to total assets | 89.0201% | 2,073 |
| Equity capital to assets | 9.0908% | 2,631 |
| Core capital (leverage) ratio | 9.8919% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0698% | 1,775 |
| Memoranda: | ||
| Average total assets | $541,297,000 | 1,659 |
| Average earning assets | $517,431,000 | 1,625 |
| Average equity | $51,864,500 | 1,682 |
| Average total loans | $356,064,500 | 1,505 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 3,790 |
| Cost of funding earning assets | 0.5902% | 571 |
| Net interest margin | 2.4553% | 4,248 |
| Noninterest income to average assets | 0.2492% | 3,876 |
| Noninterest expense to average assets | 2.1097% | 3,367 |
| Loan and lease loss provision to assets | 0.0170% | 2,737 |
| Net operating income to assets | 0.3430% | 4,365 |
| Return on assets (ROA) | 1.0249% | 2,650 |
| Pretax return on assets | 1.3190% | 2,302 |
| Return on Equity (ROE) | 10.4541% | 2,366 |
| Retained earnings to average equity (ytd only) | 10.4541% | 811 |
| Net charge-offs to loans | -0.0036% | 3,474 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6933% | 704 |
| Assets per employee ($millions) | 8.2925% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,013 |
| Loan loss allowance to noncurrent loans | 1,897.5758% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,813 |
| Noncurrent loans to loans | 0.0485% | 3,736 |
| Net loans and leases to total assets | 62.5860% | 1,872 |
| Net loans and leases to deposits | 72.6526% | 1,848 |
| Net loans and leases to core deposits | 82.4280% | 1,430 |
| Total domestic deposits to total assets | 86.1442% | 2,854 |
| Equity capital to assets | 10.0764% | 2,588 |
| Core capital (leverage) ratio | 10.0340% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5409% | 1,376 |
| Memoranda: | ||
| Average total assets | $530,084,000 | 1,624 |
| Average earning assets | $503,730,800 | 1,595 |
| Average equity | $51,970,000 | 1,706 |
| Average total loans | $332,253,400 | 1,583 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1116% | 3,786 |
| Cost of funding earning assets | 0.6170% | 589 |
| Net interest margin | 2.4946% | 4,285 |
| Noninterest income to average assets | 0.2498% | 3,899 |
| Noninterest expense to average assets | 2.0985% | 3,365 |
| Loan and lease loss provision to assets | 0.0172% | 2,663 |
| Net operating income to assets | 0.3765% | 4,412 |
| Return on assets (ROA) | 0.7989% | 3,597 |
| Pretax return on assets | 1.0351% | 3,361 |
| Return on Equity (ROE) | 8.2072% | 3,343 |
| Retained earnings to average equity (ytd only) | 8.2072% | 1,992 |
| Net charge-offs to loans | -0.0040% | 3,372 |
| Credit loss provision to net charge-offs | -680.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2163% | 731 |
| Assets per employee ($millions) | 7.9198% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 4,083 |
| Loan loss allowance to noncurrent loans | 1,726.1111% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,939 |
| Noncurrent loans to loans | 0.0536% | 3,840 |
| Net loans and leases to total assets | 60.8393% | 2,154 |
| Net loans and leases to deposits | 70.2377% | 2,216 |
| Net loans and leases to core deposits | 79.8971% | 1,740 |
| Total domestic deposits to total assets | 86.6192% | 2,501 |
| Equity capital to assets | 9.5722% | 3,314 |
| Core capital (leverage) ratio | 9.7215% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7244% | 1,418 |
| Memoranda: | ||
| Average total assets | $527,852,500 | 1,641 |
| Average earning assets | $500,701,500 | 1,612 |
| Average equity | $51,384,250 | 1,738 |
| Average total loans | $330,197,750 | 1,619 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1400% | 3,786 |
| Cost of funding earning assets | 0.6408% | 606 |
| Net interest margin | 2.4992% | 4,307 |
| Noninterest income to average assets | 0.2515% | 3,895 |
| Noninterest expense to average assets | 2.1240% | 3,321 |
| Loan and lease loss provision to assets | 0.0173% | 2,610 |
| Net operating income to assets | 0.3582% | 4,453 |
| Return on assets (ROA) | 1.0712% | 2,723 |
| Pretax return on assets | 1.3814% | 2,390 |
| Return on Equity (ROE) | 10.9406% | 2,444 |
| Retained earnings to average equity (ytd only) | 10.9406% | 1,141 |
| Net charge-offs to loans | -0.0049% | 3,429 |
| Credit loss provision to net charge-offs | -562.5000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0653% | 722 |
| Assets per employee ($millions) | 7.9847% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 4,133 |
| Loan loss allowance to noncurrent loans | 2,185.8156% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,084 |
| Noncurrent loans to loans | 0.0416% | 3,985 |
| Net loans and leases to total assets | 63.7435% | 1,979 |
| Net loans and leases to deposits | 74.1743% | 1,981 |
| Net loans and leases to core deposits | 84.4624% | 1,528 |
| Total domestic deposits to total assets | 85.9374% | 2,761 |
| Equity capital to assets | 9.9301% | 2,913 |
| Core capital (leverage) ratio | 9.7695% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8231% | 1,381 |
| Memoranda: | ||
| Average total assets | $521,647,000 | 1,651 |
| Average earning assets | $494,394,000 | 1,621 |
| Average equity | $51,076,000 | 1,741 |
| Average total loans | $328,405,333 | 1,632 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 3,822 |
| Cost of funding earning assets | 0.6603% | 648 |
| Net interest margin | 2.4721% | 4,337 |
| Noninterest income to average assets | 0.2358% | 3,979 |
| Noninterest expense to average assets | 2.1805% | 3,168 |
| Loan and lease loss provision to assets | 0.0177% | 2,550 |
| Net operating income to assets | 0.2866% | 4,538 |
| Return on assets (ROA) | 0.9997% | 2,902 |
| Pretax return on assets | 1.2864% | 2,602 |
| Return on Equity (ROE) | 10.2838% | 2,600 |
| Retained earnings to average equity (ytd only) | 10.2838% | 1,578 |
| Net charge-offs to loans | -0.0050% | 3,388 |
| Credit loss provision to net charge-offs | -575.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4478% | 573 |
| Assets per employee ($millions) | 7.7290% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,072 |
| Loan loss allowance to noncurrent loans | 1,217.5299% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,037 |
| Noncurrent loans to loans | 0.0765% | 3,913 |
| Net loans and leases to total assets | 60.9545% | 2,411 |
| Net loans and leases to deposits | 70.9400% | 2,422 |
| Net loans and leases to core deposits | 80.5557% | 1,953 |
| Total domestic deposits to total assets | 85.9239% | 2,762 |
| Equity capital to assets | 9.4715% | 3,231 |
| Core capital (leverage) ratio | 9.6862% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8094% | 1,103 |
| Memoranda: | ||
| Average total assets | $518,974,500 | 1,642 |
| Average earning assets | $492,534,500 | 1,611 |
| Average equity | $50,448,500 | 1,750 |
| Average total loans | $323,105,500 | 1,652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 3,639 |
| Cost of funding earning assets | 0.8501% | 1,019 |
| Net interest margin | 2.8265% | 4,221 |
| Noninterest income to average assets | 0.2727% | 3,843 |
| Noninterest expense to average assets | 2.4559% | 2,974 |
| Loan and lease loss provision to assets | 0.0421% | 3,872 |
| Net operating income to assets | 0.3335% | 4,387 |
| Return on assets (ROA) | 0.9159% | 2,759 |
| Pretax return on assets | 1.1749% | 2,416 |
| Return on Equity (ROE) | 8.7964% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.7964% | 823 |
| Net charge-offs to loans | 0.0066% | 3,112 |
| Credit loss provision to net charge-offs | 919.0476% | 823 |
| Earnings coverage of net charge-offs (x) | 104.7143% | 763 |
| Efficiency ratio | 83.6566% | 657 |
| Assets per employee ($millions) | 7.0090% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,027 |
| Loan loss allowance to noncurrent loans | 2,403.9683% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,253 |
| Noncurrent loans to loans | 0.0396% | 4,142 |
| Net loans and leases to total assets | 62.4307% | 2,552 |
| Net loans and leases to deposits | 73.2105% | 2,570 |
| Net loans and leases to core deposits | 84.0749% | 2,029 |
| Total domestic deposits to total assets | 85.2756% | 2,660 |
| Equity capital to assets | 9.9842% | 3,144 |
| Core capital (leverage) ratio | 9.9185% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8943% | 1,073 |
| Memoranda: | ||
| Average total assets | $458,327,600 | 1,675 |
| Average earning assets | $431,812,400 | 1,657 |
| Average equity | $47,724,000 | 1,766 |
| Average total loans | $320,045,200 | 1,612 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 3,511 |
| Cost of funding earning assets | 0.8890% | 1,105 |
| Net interest margin | 2.9276% | 4,132 |
| Noninterest income to average assets | 0.2776% | 3,818 |
| Noninterest expense to average assets | 2.5425% | 2,716 |
| Loan and lease loss provision to assets | 0.0508% | 3,715 |
| Net operating income to assets | 0.3397% | 4,378 |
| Return on assets (ROA) | 0.6160% | 3,814 |
| Pretax return on assets | 0.7879% | 3,677 |
| Return on Equity (ROE) | 5.8479% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.8479% | 2,174 |
| Net charge-offs to loans | -0.0362% | 4,593 |
| Credit loss provision to net charge-offs | -195.4023% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8732% | 611 |
| Assets per employee ($millions) | 6.9822% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,936 |
| Loan loss allowance to noncurrent loans | 466.8666% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 3,736 |
| Noncurrent loans to loans | 0.2012% | 3,580 |
| Net loans and leases to total assets | 67.1939% | 2,363 |
| Net loans and leases to deposits | 79.6925% | 2,349 |
| Net loans and leases to core deposits | 92.0250% | 1,796 |
| Total domestic deposits to total assets | 84.3165% | 2,702 |
| Equity capital to assets | 9.9456% | 3,276 |
| Core capital (leverage) ratio | 9.9619% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8851% | 1,074 |
| Memoranda: | ||
| Average total assets | $446,748,000 | 1,685 |
| Average earning assets | $420,214,000 | 1,671 |
| Average equity | $47,058,750 | 1,774 |
| Average total loans | $320,535,750 | 1,610 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,232 |
| Cost of funding earning assets | 0.9308% | 1,237 |
| Net interest margin | 3.1060% | 3,890 |
| Noninterest income to average assets | 0.2824% | 3,773 |
| Noninterest expense to average assets | 2.6482% | 2,527 |
| Loan and lease loss provision to assets | 0.0684% | 3,437 |
| Net operating income to assets | 0.3757% | 4,280 |
| Return on assets (ROA) | 0.3896% | 4,313 |
| Pretax return on assets | 0.4982% | 4,253 |
| Return on Equity (ROE) | 3.6226% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.6226% | 3,112 |
| Net charge-offs to loans | -0.0518% | 4,691 |
| Credit loss provision to net charge-offs | -180.4878% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8274% | 707 |
| Assets per employee ($millions) | 6.7087% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,982 |
| Loan loss allowance to noncurrent loans | 459.3750% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 3,795 |
| Noncurrent loans to loans | 0.1971% | 3,671 |
| Net loans and leases to total assets | 72.9950% | 1,556 |
| Net loans and leases to deposits | 86.3222% | 1,727 |
| Net loans and leases to core deposits | 99.1543% | 1,318 |
| Total domestic deposits to total assets | 84.5611% | 2,541 |
| Equity capital to assets | 10.2728% | 2,947 |
| Core capital (leverage) ratio | 10.0605% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4103% | 1,154 |
| Memoranda: | ||
| Average total assets | $432,745,000 | 1,703 |
| Average earning assets | $406,112,333 | 1,686 |
| Average equity | $46,541,667 | 1,779 |
| Average total loans | $316,871,333 | 1,612 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,970 |
| Cost of funding earning assets | 0.9862% | 1,481 |
| Net interest margin | 3.2993% | 3,596 |
| Noninterest income to average assets | 0.3113% | 3,651 |
| Noninterest expense to average assets | 2.6701% | 2,784 |
| Loan and lease loss provision to assets | 0.1417% | 1,966 |
| Net operating income to assets | 0.4523% | 4,011 |
| Return on assets (ROA) | 0.5219% | 3,893 |
| Pretax return on assets | 0.6761% | 3,754 |
| Return on Equity (ROE) | 4.7354% | 3,729 |
| Retained earnings to average equity (ytd only) | 4.7354% | 2,400 |
| Net charge-offs to loans | -0.0013% | 3,620 |
| Credit loss provision to net charge-offs | -14,800.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5352% | 1,279 |
| Assets per employee ($millions) | 5.7455% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,779 |
| Loan loss allowance to noncurrent loans | 420.4196% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 3,810 |
| Noncurrent loans to loans | 0.2346% | 3,647 |
| Net loans and leases to total assets | 71.9464% | 1,925 |
| Net loans and leases to deposits | 87.3696% | 1,821 |
| Net loans and leases to core deposits | 102.6664% | 1,267 |
| Total domestic deposits to total assets | 82.3472% | 3,320 |
| Equity capital to assets | 10.8653% | 2,971 |
| Core capital (leverage) ratio | 10.6978% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6775% | 1,428 |
| Memoranda: | ||
| Average total assets | $417,666,000 | 1,716 |
| Average earning assets | $390,993,000 | 1,700 |
| Average equity | $46,036,000 | 1,789 |
| Average total loans | $304,815,500 | 1,619 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 3,553 |
| Cost of funding earning assets | 0.9963% | 1,739 |
| Net interest margin | 3.2970% | 3,996 |
| Noninterest income to average assets | 0.3729% | 3,464 |
| Noninterest expense to average assets | 2.7314% | 2,796 |
| Loan and lease loss provision to assets | 0.0222% | 3,582 |
| Net operating income to assets | 0.5489% | 4,290 |
| Return on assets (ROA) | 0.5722% | 4,298 |
| Pretax return on assets | 0.7228% | 4,156 |
| Return on Equity (ROE) | 5.2424% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.2424% | 2,292 |
| Net charge-offs to loans | 0.0696% | 2,099 |
| Credit loss provision to net charge-offs | 42.6540% | 3,184 |
| Earnings coverage of net charge-offs (x) | 13.7583% | 2,330 |
| Efficiency ratio | 79.2435% | 1,013 |
| Assets per employee ($millions) | 5.8579% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,801 |
| Loan loss allowance to noncurrent loans | 397.2184% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,785 |
| Noncurrent loans to loans | 0.2358% | 3,603 |
| Net loans and leases to total assets | 72.6142% | 1,989 |
| Net loans and leases to deposits | 87.4171% | 1,927 |
| Net loans and leases to core deposits | 103.0687% | 1,305 |
| Total domestic deposits to total assets | 83.0664% | 3,169 |
| Equity capital to assets | 11.1805% | 2,831 |
| Core capital (leverage) ratio | 10.6987% | 2,761 |
| Tier 1 risk-based capital ratio | 15.4594% | 2,594 |
| Total risk-based capital ratio | 16.8517% | 2,477 |
| Memoranda: | ||
| Average total assets | $405,769,200 | 1,721 |
| Average earning assets | $378,314,800 | 1,720 |
| Average equity | $44,293,000 | 1,778 |
| Average total loans | $303,254,400 | 1,589 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 3,547 |
| Cost of funding earning assets | 0.9846% | 1,829 |
| Net interest margin | 3.3561% | 3,973 |
| Noninterest income to average assets | 0.3766% | 3,461 |
| Noninterest expense to average assets | 2.7385% | 2,758 |
| Loan and lease loss provision to assets | 0.0225% | 3,463 |
| Net operating income to assets | 0.5909% | 4,318 |
| Return on assets (ROA) | 0.6223% | 4,287 |
| Pretax return on assets | 0.7830% | 4,165 |
| Return on Equity (ROE) | 5.7367% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,487 |
| Net charge-offs to loans | 0.0630% | 1,922 |
| Credit loss provision to net charge-offs | 47.5524% | 2,810 |
| Earnings coverage of net charge-offs (x) | 16.1960% | 2,148 |
| Efficiency ratio | 78.1468% | 1,088 |
| Assets per employee ($millions) | 5.7347% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 3,807 |
| Loan loss allowance to noncurrent loans | 400.9669% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,875 |
| Noncurrent loans to loans | 0.2380% | 3,688 |
| Net loans and leases to total assets | 72.9840% | 2,001 |
| Net loans and leases to deposits | 87.7385% | 1,967 |
| Net loans and leases to core deposits | 102.1692% | 1,485 |
| Total domestic deposits to total assets | 83.1836% | 3,099 |
| Equity capital to assets | 11.0136% | 3,093 |
| Core capital (leverage) ratio | 10.7333% | 2,907 |
| Tier 1 risk-based capital ratio | 15.5801% | 2,610 |
| Total risk-based capital ratio | 16.8870% | 2,525 |
| Memoranda: | ||
| Average total assets | $403,233,250 | 1,742 |
| Average earning assets | $375,787,750 | 1,736 |
| Average equity | $43,741,000 | 1,810 |
| Average total loans | $302,851,000 | 1,604 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 3,461 |
| Cost of funding earning assets | 0.9650% | 1,843 |
| Net interest margin | 3.3934% | 3,914 |
| Noninterest income to average assets | 0.3745% | 3,439 |
| Noninterest expense to average assets | 2.7569% | 2,732 |
| Loan and lease loss provision to assets | 0.0225% | 3,357 |
| Net operating income to assets | 0.6119% | 4,281 |
| Return on assets (ROA) | 0.6605% | 4,183 |
| Pretax return on assets | 0.8180% | 4,048 |
| Return on Equity (ROE) | 6.1210% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.1210% | 2,228 |
| Net charge-offs to loans | -0.0020% | 3,951 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9364% | 1,161 |
| Assets per employee ($millions) | 5.7133% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,746 |
| Loan loss allowance to noncurrent loans | 666.5198% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,196 |
| Noncurrent loans to loans | 0.1469% | 4,028 |
| Net loans and leases to total assets | 75.4254% | 1,643 |
| Net loans and leases to deposits | 90.8116% | 1,655 |
| Net loans and leases to core deposits | 106.1381% | 1,237 |
| Total domestic deposits to total assets | 83.0570% | 3,177 |
| Equity capital to assets | 11.0082% | 3,044 |
| Core capital (leverage) ratio | 10.7409% | 2,852 |
| Tier 1 risk-based capital ratio | 15.5478% | 2,609 |
| Total risk-based capital ratio | 16.8884% | 2,501 |
| Memoranda: | ||
| Average total assets | $400,011,000 | 1,758 |
| Average earning assets | $372,844,670 | 1,753 |
| Average equity | $43,163,000 | 1,825 |
| Average total loans | $302,383,330 | 1,610 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 3,426 |
| Cost of funding earning assets | 0.9378% | 1,850 |
| Net interest margin | 3.4049% | 3,874 |
| Noninterest income to average assets | 0.3676% | 3,392 |
| Noninterest expense to average assets | 2.7503% | 2,743 |
| Loan and lease loss provision to assets | 0.0232% | 3,131 |
| Net operating income to assets | 0.5828% | 4,293 |
| Return on assets (ROA) | 0.6576% | 4,105 |
| Pretax return on assets | 0.8590% | 3,895 |
| Return on Equity (ROE) | 6.1578% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,383 |
| Net charge-offs to loans | -0.0013% | 3,824 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7398% | 1,300 |
| Assets per employee ($millions) | 5.7160% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,728 |
| Loan loss allowance to noncurrent loans | 576.1996% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,144 |
| Noncurrent loans to loans | 0.1730% | 3,974 |
| Net loans and leases to total assets | 74.4998% | 1,714 |
| Net loans and leases to deposits | 86.9937% | 2,000 |
| Net loans and leases to core deposits | 101.7073% | 1,488 |
| Total domestic deposits to total assets | 85.6381% | 2,425 |
| Equity capital to assets | 10.8202% | 3,025 |
| Core capital (leverage) ratio | 10.7011% | 2,847 |
| Tier 1 risk-based capital ratio | 15.7824% | 2,536 |
| Total risk-based capital ratio | 17.1119% | 2,437 |
| Memoranda: | ||
| Average total assets | $397,195,500 | 1,777 |
| Average earning assets | $369,819,500 | 1,768 |
| Average equity | $42,417,500 | 1,835 |
| Average total loans | $299,083,500 | 1,640 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 3,710 |
| Cost of funding earning assets | 0.8222% | 1,427 |
| Net interest margin | 3.2876% | 4,283 |
| Noninterest income to average assets | 0.3953% | 3,469 |
| Noninterest expense to average assets | 2.6895% | 3,058 |
| Loan and lease loss provision to assets | 0.0115% | 3,906 |
| Net operating income to assets | 0.5611% | 4,521 |
| Return on assets (ROA) | 0.6013% | 4,425 |
| Pretax return on assets | 0.8093% | 4,146 |
| Return on Equity (ROE) | 5.8328% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.8328% | 2,277 |
| Net charge-offs to loans | -0.0003% | 4,153 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7467% | 1,153 |
| Assets per employee ($millions) | 6.1605% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,670 |
| Loan loss allowance to noncurrent loans | 212.8663% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 3,127 |
| Noncurrent loans to loans | 0.4709% | 2,860 |
| Net loans and leases to total assets | 74.5930% | 1,822 |
| Net loans and leases to deposits | 86.6081% | 2,203 |
| Net loans and leases to core deposits | 100.9401% | 1,653 |
| Total domestic deposits to total assets | 86.1270% | 2,167 |
| Equity capital to assets | 10.5362% | 3,145 |
| Core capital (leverage) ratio | 10.5252% | 2,997 |
| Tier 1 risk-based capital ratio | 16.0502% | 2,388 |
| Total risk-based capital ratio | 17.2822% | 2,334 |
| Memoranda: | ||
| Average total assets | $392,823,400 | 1,747 |
| Average earning assets | $366,107,400 | 1,742 |
| Average equity | $40,494,800 | 1,833 |
| Average total loans | $293,137,800 | 1,625 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,796 |
| Cost of funding earning assets | 0.8047% | 1,311 |
| Net interest margin | 3.2422% | 4,425 |
| Noninterest income to average assets | 0.3876% | 3,549 |
| Noninterest expense to average assets | 2.7280% | 2,886 |
| Loan and lease loss provision to assets | 0.0129% | 3,739 |
| Net operating income to assets | 0.4889% | 4,780 |
| Return on assets (ROA) | 0.5425% | 4,671 |
| Pretax return on assets | 0.7369% | 4,451 |
| Return on Equity (ROE) | 5.2923% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.2923% | 3,065 |
| Net charge-offs to loans | 0.0114% | 3,007 |
| Credit loss provision to net charge-offs | 152.0000% | 1,684 |
| Earnings coverage of net charge-offs (x) | 80.2859% | 876 |
| Efficiency ratio | 80.0040% | 940 |
| Assets per employee ($millions) | 5.9055% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,839 |
| Loan loss allowance to noncurrent loans | 326.3858% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,805 |
| Noncurrent loans to loans | 0.3029% | 3,590 |
| Net loans and leases to total assets | 74.5182% | 1,895 |
| Net loans and leases to deposits | 86.4048% | 2,330 |
| Net loans and leases to core deposits | 99.9024% | 1,805 |
| Total domestic deposits to total assets | 86.2431% | 2,081 |
| Equity capital to assets | 10.3300% | 3,302 |
| Core capital (leverage) ratio | 10.4264% | 3,158 |
| Tier 1 risk-based capital ratio | 15.5894% | 2,610 |
| Total risk-based capital ratio | 16.9534% | 2,500 |
| Memoranda: | ||
| Average total assets | $392,462,000 | 1,754 |
| Average earning assets | $365,832,250 | 1,745 |
| Average equity | $40,233,250 | 1,849 |
| Average total loans | $292,153,500 | 1,635 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,925 |
| Cost of funding earning assets | 0.7778% | 1,238 |
| Net interest margin | 3.1730% | 4,568 |
| Noninterest income to average assets | 0.3884% | 3,568 |
| Noninterest expense to average assets | 2.7538% | 2,833 |
| Loan and lease loss provision to assets | 0.0077% | 3,687 |
| Net operating income to assets | 0.4165% | 4,928 |
| Return on assets (ROA) | 0.4282% | 4,912 |
| Pretax return on assets | 0.5999% | 4,740 |
| Return on Equity (ROE) | 4.1879% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.1879% | 3,516 |
| Net charge-offs to loans | 0.0200% | 2,488 |
| Credit loss provision to net charge-offs | 51.7241% | 2,482 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,302 |
| Efficiency ratio | 82.2874% | 812 |
| Assets per employee ($millions) | 5.5851% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,896 |
| Loan loss allowance to noncurrent loans | 242.9642% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 3,341 |
| Noncurrent loans to loans | 0.4084% | 3,233 |
| Net loans and leases to total assets | 74.4744% | 1,870 |
| Net loans and leases to deposits | 85.7903% | 2,341 |
| Net loans and leases to core deposits | 98.4054% | 1,864 |
| Total domestic deposits to total assets | 86.8098% | 1,930 |
| Equity capital to assets | 10.2548% | 3,383 |
| Core capital (leverage) ratio | 10.3360% | 3,198 |
| Tier 1 risk-based capital ratio | 15.4854% | 2,643 |
| Total risk-based capital ratio | 16.8035% | 2,553 |
| Memoranda: | ||
| Average total assets | $391,392,330 | 1,761 |
| Average earning assets | $364,888,670 | 1,754 |
| Average equity | $40,020,000 | 1,859 |
| Average total loans | $290,274,330 | 1,644 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,933 |
| Cost of funding earning assets | 0.7529% | 1,176 |
| Net interest margin | 3.1442% | 4,612 |
| Noninterest income to average assets | 0.3830% | 3,577 |
| Noninterest expense to average assets | 2.7681% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3945% | 4,935 |
| Return on assets (ROA) | 0.3994% | 4,930 |
| Pretax return on assets | 0.5557% | 4,779 |
| Return on Equity (ROE) | 3.9116% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.9116% | 3,629 |
| Net charge-offs to loans | 0.0472% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.8235% | 1,650 |
| Efficiency ratio | 83.4360% | 837 |
| Assets per employee ($millions) | 5.5287% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,914 |
| Loan loss allowance to noncurrent loans | 240.8978% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,440 |
| Noncurrent loans to loans | 0.4176% | 3,288 |
| Net loans and leases to total assets | 72.6530% | 2,067 |
| Net loans and leases to deposits | 83.5310% | 2,448 |
| Net loans and leases to core deposits | 95.4847% | 2,018 |
| Total domestic deposits to total assets | 86.9772% | 2,134 |
| Equity capital to assets | 10.1568% | 3,442 |
| Core capital (leverage) ratio | 10.2064% | 3,294 |
| Tier 1 risk-based capital ratio | 15.6648% | 2,606 |
| Total risk-based capital ratio | 17.0107% | 2,522 |
| Memoranda: | ||
| Average total assets | $391,610,000 | 1,777 |
| Average earning assets | $365,503,500 | 1,763 |
| Average equity | $39,984,000 | 1,870 |
| Average total loans | $288,371,000 | 1,666 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,970 |
| Cost of funding earning assets | 0.7038% | 1,002 |
| Net interest margin | 3.1191% | 4,650 |
| Noninterest income to average assets | 0.5309% | 2,817 |
| Noninterest expense to average assets | 2.7689% | 2,895 |
| Loan and lease loss provision to assets | 0.0235% | 3,828 |
| Net operating income to assets | 0.3542% | 4,819 |
| Return on assets (ROA) | 0.3674% | 4,812 |
| Pretax return on assets | 0.6553% | 4,614 |
| Return on Equity (ROE) | 3.5974% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.5974% | 3,108 |
| Net charge-offs to loans | -0.0028% | 4,566 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7944% | 1,031 |
| Assets per employee ($millions) | 5.7454% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,842 |
| Loan loss allowance to noncurrent loans | 235.8809% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 3,411 |
| Noncurrent loans to loans | 0.4306% | 3,246 |
| Net loans and leases to total assets | 73.1340% | 2,073 |
| Net loans and leases to deposits | 84.9774% | 2,377 |
| Net loans and leases to core deposits | 96.8169% | 1,957 |
| Total domestic deposits to total assets | 86.0629% | 2,405 |
| Equity capital to assets | 10.2638% | 3,420 |
| Core capital (leverage) ratio | 10.1003% | 3,320 |
| Tier 1 risk-based capital ratio | 15.4631% | 2,638 |
| Total risk-based capital ratio | 16.8327% | 2,531 |
| Memoranda: | ||
| Average total assets | $383,475,800 | 1,779 |
| Average earning assets | $356,061,600 | 1,777 |
| Average equity | $39,167,200 | 1,892 |
| Average total loans | $280,876,400 | 1,653 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 3,999 |
| Cost of funding earning assets | 0.6873% | 1,025 |
| Net interest margin | 3.1172% | 4,666 |
| Noninterest income to average assets | 0.4866% | 3,110 |
| Noninterest expense to average assets | 2.7332% | 2,949 |
| Loan and lease loss provision to assets | 0.0238% | 3,672 |
| Net operating income to assets | 0.4435% | 4,894 |
| Return on assets (ROA) | 0.4705% | 4,859 |
| Pretax return on assets | 0.6592% | 4,708 |
| Return on Equity (ROE) | 4.6128% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.6128% | 3,135 |
| Net charge-offs to loans | -0.0038% | 4,411 |
| Credit loss provision to net charge-offs | -850.0000% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9100% | 1,006 |
| Assets per employee ($millions) | 5.7493% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,970 |
| Loan loss allowance to noncurrent loans | 560.6936% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,584 |
| Noncurrent loans to loans | 0.1813% | 4,338 |
| Net loans and leases to total assets | 72.4781% | 2,184 |
| Net loans and leases to deposits | 84.1575% | 2,544 |
| Net loans and leases to core deposits | 94.3953% | 2,235 |
| Total domestic deposits to total assets | 86.1220% | 2,258 |
| Equity capital to assets | 10.2294% | 3,664 |
| Core capital (leverage) ratio | 10.2871% | 3,217 |
| Tier 1 risk-based capital ratio | 15.4769% | 2,712 |
| Total risk-based capital ratio | 16.7771% | 2,644 |
| Memoranda: | ||
| Average total assets | $381,673,750 | 1,800 |
| Average earning assets | $354,029,500 | 1,795 |
| Average equity | $38,934,250 | 1,916 |
| Average total loans | $278,931,750 | 1,672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 3,922 |
| Cost of funding earning assets | 0.6735% | 1,028 |
| Net interest margin | 3.1189% | 4,634 |
| Noninterest income to average assets | 0.3915% | 3,740 |
| Noninterest expense to average assets | 2.7524% | 2,919 |
| Loan and lease loss provision to assets | 0.0238% | 3,521 |
| Net operating income to assets | 0.3423% | 5,122 |
| Return on assets (ROA) | 0.3714% | 5,068 |
| Pretax return on assets | 0.5473% | 4,910 |
| Return on Equity (ROE) | 3.6442% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.6442% | 3,537 |
| Net charge-offs to loans | -0.0043% | 4,307 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8969% | 855 |
| Assets per employee ($millions) | 5.7874% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,946 |
| Loan loss allowance to noncurrent loans | 753.2637% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,801 |
| Noncurrent loans to loans | 0.1371% | 4,567 |
| Net loans and leases to total assets | 71.2954% | 2,319 |
| Net loans and leases to deposits | 82.6829% | 2,631 |
| Net loans and leases to core deposits | 92.5118% | 2,294 |
| Total domestic deposits to total assets | 86.2274% | 2,283 |
| Equity capital to assets | 10.0883% | 3,810 |
| Core capital (leverage) ratio | 10.1345% | 3,358 |
| Tier 1 risk-based capital ratio | 15.9048% | 2,541 |
| Total risk-based capital ratio | 17.2054% | 2,463 |
| Memoranda: | ||
| Average total assets | $378,581,330 | 1,810 |
| Average earning assets | $350,698,330 | 1,812 |
| Average equity | $38,581,670 | 1,931 |
| Average total loans | $276,487,670 | 1,683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 3,784 |
| Cost of funding earning assets | 0.6574% | 1,038 |
| Net interest margin | 3.1367% | 4,540 |
| Noninterest income to average assets | 0.3733% | 3,858 |
| Noninterest expense to average assets | 2.8054% | 2,776 |
| Loan and lease loss provision to assets | 0.0246% | 3,256 |
| Net operating income to assets | 0.3046% | 5,184 |
| Return on assets (ROA) | 0.3519% | 5,091 |
| Pretax return on assets | 0.5166% | 4,934 |
| Return on Equity (ROE) | 3.4348% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.4348% | 3,723 |
| Net charge-offs to loans | -0.0029% | 4,056 |
| Credit loss provision to net charge-offs | -1,150.0000% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6070% | 834 |
| Assets per employee ($millions) | 5.5908% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,059 |
| Loan loss allowance to noncurrent loans | 344.4578% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,347 |
| Noncurrent loans to loans | 0.3005% | 4,038 |
| Net loans and leases to total assets | 71.8951% | 2,091 |
| Net loans and leases to deposits | 83.4189% | 2,352 |
| Net loans and leases to core deposits | 92.6985% | 2,098 |
| Total domestic deposits to total assets | 86.1856% | 2,588 |
| Equity capital to assets | 10.1458% | 3,578 |
| Core capital (leverage) ratio | 10.3563% | 3,050 |
| Tier 1 risk-based capital ratio | 16.1442% | 2,489 |
| Total risk-based capital ratio | 17.4473% | 2,417 |
| Memoranda: | ||
| Average total assets | $373,994,000 | 1,838 |
| Average earning assets | $346,221,500 | 1,843 |
| Average equity | $38,313,500 | 1,947 |
| Average total loans | $275,063,000 | 1,700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,285 |
| Cost of funding earning assets | 0.6483% | 1,068 |
| Net interest margin | 3.0293% | 4,899 |
| Noninterest income to average assets | 0.3948% | 3,929 |
| Noninterest expense to average assets | 2.6773% | 3,426 |
| Loan and lease loss provision to assets | 0.0163% | 4,051 |
| Net operating income to assets | 0.3469% | 5,088 |
| Return on assets (ROA) | 0.3717% | 5,114 |
| Pretax return on assets | 0.5559% | 4,908 |
| Return on Equity (ROE) | 3.6058% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.6058% | 3,357 |
| Net charge-offs to loans | -0.0229% | 5,164 |
| Credit loss provision to net charge-offs | -100.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3404% | 1,070 |
| Assets per employee ($millions) | 5.5729% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 4,113 |
| Loan loss allowance to noncurrent loans | 221.0608% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,886 |
| Noncurrent loans to loans | 0.4680% | 3,474 |
| Net loans and leases to total assets | 73.7075% | 1,894 |
| Net loans and leases to deposits | 86.6671% | 2,087 |
| Net loans and leases to core deposits | 96.9447% | 1,839 |
| Total domestic deposits to total assets | 85.0467% | 3,024 |
| Equity capital to assets | 10.3463% | 3,332 |
| Core capital (leverage) ratio | 10.2398% | 3,183 |
| Tier 1 risk-based capital ratio | 16.2365% | 2,459 |
| Total risk-based capital ratio | 17.5153% | 2,380 |
| Memoranda: | ||
| Average total assets | $366,977,200 | 1,823 |
| Average earning assets | $341,337,600 | 1,818 |
| Average equity | $37,828,400 | 1,933 |
| Average total loans | $262,186,600 | 1,719 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,346 |
| Cost of funding earning assets | 0.6456% | 1,079 |
| Net interest margin | 3.0243% | 4,966 |
| Noninterest income to average assets | 0.3955% | 3,950 |
| Noninterest expense to average assets | 2.6457% | 3,512 |
| Loan and lease loss provision to assets | 0.0164% | 3,917 |
| Net operating income to assets | 0.3657% | 5,128 |
| Return on assets (ROA) | 0.3981% | 5,119 |
| Pretax return on assets | 0.5984% | 4,884 |
| Return on Equity (ROE) | 3.8652% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.8652% | 3,553 |
| Net charge-offs to loans | -0.0077% | 4,704 |
| Credit loss provision to net charge-offs | -300.0000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3676% | 1,153 |
| Assets per employee ($millions) | 5.4935% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 4,247 |
| Loan loss allowance to noncurrent loans | 292.0000% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 4,422 |
| Noncurrent loans to loans | 0.3527% | 3,992 |
| Net loans and leases to total assets | 71.3688% | 2,285 |
| Net loans and leases to deposits | 83.0829% | 2,591 |
| Net loans and leases to core deposits | 92.8697% | 2,294 |
| Total domestic deposits to total assets | 85.9007% | 2,410 |
| Equity capital to assets | 10.3344% | 3,764 |
| Core capital (leverage) ratio | 10.2829% | 3,243 |
| Tier 1 risk-based capital ratio | 16.3853% | 2,459 |
| Total risk-based capital ratio | 17.6408% | 2,408 |
| Memoranda: | ||
| Average total assets | $366,768,500 | 1,829 |
| Average earning assets | $341,576,750 | 1,820 |
| Average equity | $37,771,750 | 1,946 |
| Average total loans | $259,248,500 | 1,740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 4,403 |
| Cost of funding earning assets | 0.6463% | 1,067 |
| Net interest margin | 3.0176% | 5,042 |
| Noninterest income to average assets | 0.3890% | 3,963 |
| Noninterest expense to average assets | 2.6535% | 3,539 |
| Loan and lease loss provision to assets | 0.0165% | 3,784 |
| Net operating income to assets | 0.3556% | 5,167 |
| Return on assets (ROA) | 0.3857% | 5,156 |
| Pretax return on assets | 0.5772% | 4,954 |
| Return on Equity (ROE) | 3.7499% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.7499% | 3,507 |
| Net charge-offs to loans | -0.0086% | 4,659 |
| Credit loss provision to net charge-offs | -272.7273% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8650% | 1,167 |
| Assets per employee ($millions) | 5.4377% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,287 |
| Loan loss allowance to noncurrent loans | 264.6494% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 4,368 |
| Noncurrent loans to loans | 0.3929% | 3,955 |
| Net loans and leases to total assets | 70.9170% | 2,337 |
| Net loans and leases to deposits | 82.6408% | 2,634 |
| Net loans and leases to core deposits | 92.7731% | 2,278 |
| Total domestic deposits to total assets | 85.8136% | 2,512 |
| Equity capital to assets | 10.3561% | 3,786 |
| Core capital (leverage) ratio | 10.1290% | 3,414 |
| Tier 1 risk-based capital ratio | 16.6667% | 2,370 |
| Total risk-based capital ratio | 17.9415% | 2,312 |
| Memoranda: | ||
| Average total assets | $364,505,670 | 1,840 |
| Average earning assets | $339,805,000 | 1,830 |
| Average equity | $37,494,000 | 1,966 |
| Average total loans | $255,872,330 | 1,762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,664 |
| Cost of funding earning assets | 0.6441% | 1,083 |
| Net interest margin | 2.9412% | 5,236 |
| Noninterest income to average assets | 0.3670% | 4,099 |
| Noninterest expense to average assets | 2.6175% | 3,695 |
| Loan and lease loss provision to assets | 0.0166% | 3,470 |
| Net operating income to assets | 0.3238% | 5,229 |
| Return on assets (ROA) | 0.3637% | 5,181 |
| Pretax return on assets | 0.5372% | 4,989 |
| Return on Equity (ROE) | 3.5477% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.5477% | 3,720 |
| Net charge-offs to loans | -0.0080% | 4,444 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0909% | 1,149 |
| Assets per employee ($millions) | 5.2548% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,229 |
| Loan loss allowance to noncurrent loans | 250.5958% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 4,368 |
| Noncurrent loans to loans | 0.4268% | 3,914 |
| Net loans and leases to total assets | 69.7545% | 2,381 |
| Net loans and leases to deposits | 80.5444% | 2,722 |
| Net loans and leases to core deposits | 90.4861% | 2,327 |
| Total domestic deposits to total assets | 86.6037% | 2,407 |
| Equity capital to assets | 10.3721% | 3,654 |
| Core capital (leverage) ratio | 10.2908% | 3,207 |
| Tier 1 risk-based capital ratio | 16.9558% | 2,305 |
| Total risk-based capital ratio | 18.2273% | 2,251 |
| Memoranda: | ||
| Average total assets | $361,877,000 | 1,854 |
| Average earning assets | $337,822,000 | 1,840 |
| Average equity | $37,094,500 | 1,979 |
| Average total loans | $251,318,500 | 1,789 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 4,713 |
| Cost of funding earning assets | 0.6429% | 1,112 |
| Net interest margin | 2.9419% | 5,270 |
| Noninterest income to average assets | 0.4215% | 3,880 |
| Noninterest expense to average assets | 2.7371% | 3,459 |
| Loan and lease loss provision to assets | 0.0043% | 4,306 |
| Net operating income to assets | 0.2984% | 5,366 |
| Return on assets (ROA) | 0.3125% | 5,408 |
| Pretax return on assets | 0.4341% | 5,256 |
| Return on Equity (ROE) | 2.9914% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.9914% | 3,934 |
| Net charge-offs to loans | 0.0068% | 4,208 |
| Credit loss provision to net charge-offs | 88.2353% | 2,789 |
| Earnings coverage of net charge-offs (x) | 85.4706% | 660 |
| Efficiency ratio | 86.7282% | 937 |
| Assets per employee ($millions) | 5.3114% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 4,057 |
| Loan loss allowance to noncurrent loans | 174.0860% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 3,824 |
| Noncurrent loans to loans | 0.6312% | 3,290 |
| Net loans and leases to total assets | 67.6331% | 2,769 |
| Net loans and leases to deposits | 78.7564% | 2,968 |
| Net loans and leases to core deposits | 88.5208% | 2,549 |
| Total domestic deposits to total assets | 85.8764% | 2,693 |
| Equity capital to assets | 10.1286% | 3,830 |
| Core capital (leverage) ratio | 10.2251% | 3,234 |
| Tier 1 risk-based capital ratio | 17.1397% | 2,239 |
| Total risk-based capital ratio | 18.3912% | 2,189 |
| Memoranda: | ||
| Average total assets | $346,896,200 | 1,885 |
| Average earning assets | $322,446,000 | 1,880 |
| Average equity | $36,237,400 | 1,966 |
| Average total loans | $248,564,400 | 1,740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 4,730 |
| Cost of funding earning assets | 0.6407% | 1,145 |
| Net interest margin | 2.9630% | 5,279 |
| Noninterest income to average assets | 0.4163% | 3,960 |
| Noninterest expense to average assets | 2.7584% | 3,348 |
| Loan and lease loss provision to assets | 0.0058% | 4,150 |
| Net operating income to assets | 0.2949% | 5,466 |
| Return on assets (ROA) | 0.3142% | 5,498 |
| Pretax return on assets | 0.4299% | 5,401 |
| Return on Equity (ROE) | 2.9837% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.9837% | 4,326 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0786% | 931 |
| Assets per employee ($millions) | 5.0804% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 4,151 |
| Loan loss allowance to noncurrent loans | 163.7290% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 3,850 |
| Noncurrent loans to loans | 0.6797% | 3,284 |
| Net loans and leases to total assets | 69.2232% | 2,503 |
| Net loans and leases to deposits | 81.1150% | 2,753 |
| Net loans and leases to core deposits | 91.6733% | 2,295 |
| Total domestic deposits to total assets | 85.3396% | 2,856 |
| Equity capital to assets | 10.4482% | 3,653 |
| Core capital (leverage) ratio | 10.4398% | 3,120 |
| Tier 1 risk-based capital ratio | 18.3156% | 1,949 |
| Total risk-based capital ratio | 19.5670% | 1,907 |
| Memoranda: | ||
| Average total assets | $343,326,500 | 1,916 |
| Average earning assets | $318,809,000 | 1,910 |
| Average equity | $36,151,250 | 1,985 |
| Average total loans | $248,958,500 | 1,747 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 4,711 |
| Cost of funding earning assets | 0.6345% | 1,202 |
| Net interest margin | 2.9683% | 5,293 |
| Noninterest income to average assets | 0.3948% | 4,116 |
| Noninterest expense to average assets | 2.7749% | 3,333 |
| Loan and lease loss provision to assets | 0.0088% | 3,938 |
| Net operating income to assets | 0.2787% | 5,505 |
| Return on assets (ROA) | 0.3004% | 5,539 |
| Pretax return on assets | 0.3919% | 5,480 |
| Return on Equity (ROE) | 2.8450% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.8450% | 4,228 |
| Net charge-offs to loans | 0.0088% | 3,598 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 57.7273% | 860 |
| Efficiency ratio | 88.1640% | 900 |
| Assets per employee ($millions) | 4.7906% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 4,358 |
| Loan loss allowance to noncurrent loans | 160.4720% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 3,921 |
| Noncurrent loans to loans | 0.6816% | 3,443 |
| Net loans and leases to total assets | 71.3120% | 2,107 |
| Net loans and leases to deposits | 82.8927% | 2,448 |
| Net loans and leases to core deposits | 93.7872% | 1,979 |
| Total domestic deposits to total assets | 86.0293% | 2,684 |
| Equity capital to assets | 10.4638% | 3,480 |
| Core capital (leverage) ratio | 10.5393% | 2,904 |
| Tier 1 risk-based capital ratio | 17.7290% | 2,147 |
| Total risk-based capital ratio | 18.9802% | 2,095 |
| Memoranda: | ||
| Average total assets | $340,918,670 | 1,944 |
| Average earning assets | $316,143,330 | 1,938 |
| Average equity | $35,993,000 | 2,001 |
| Average total loans | $250,147,000 | 1,740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 4,633 |
| Cost of funding earning assets | 0.6287% | 1,238 |
| Net interest margin | 2.9896% | 5,245 |
| Noninterest income to average assets | 0.3635% | 4,305 |
| Noninterest expense to average assets | 2.8361% | 3,118 |
| Loan and lease loss provision to assets | 0.0177% | 3,492 |
| Net operating income to assets | 0.2029% | 5,680 |
| Return on assets (ROA) | 0.2360% | 5,687 |
| Pretax return on assets | 0.3281% | 5,578 |
| Return on Equity (ROE) | 2.2257% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.2257% | 4,570 |
| Net charge-offs to loans | 0.0239% | 2,683 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 16.9333% | 1,547 |
| Efficiency ratio | 90.4403% | 822 |
| Assets per employee ($millions) | 4.9786% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,617 |
| Loan loss allowance to noncurrent loans | 176.8229% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 4,179 |
| Noncurrent loans to loans | 0.6107% | 3,742 |
| Net loans and leases to total assets | 72.4258% | 1,744 |
| Net loans and leases to deposits | 84.2612% | 2,035 |
| Net loans and leases to core deposits | 95.2629% | 1,675 |
| Total domestic deposits to total assets | 85.9540% | 2,967 |
| Equity capital to assets | 10.5152% | 3,516 |
| Core capital (leverage) ratio | 10.6514% | 2,788 |
| Tier 1 risk-based capital ratio | 18.1234% | 2,098 |
| Total risk-based capital ratio | 19.3791% | 2,053 |
| Memoranda: | ||
| Average total assets | $338,917,500 | 1,962 |
| Average earning assets | $314,289,000 | 1,965 |
| Average equity | $35,943,500 | 2,017 |
| Average total loans | $250,875,500 | 1,737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 4,413 |
| Cost of funding earning assets | 0.6327% | 1,535 |
| Net interest margin | 3.1915% | 4,952 |
| Noninterest income to average assets | 0.4261% | 3,998 |
| Noninterest expense to average assets | 2.8007% | 3,480 |
| Loan and lease loss provision to assets | 0.0294% | 4,018 |
| Net operating income to assets | 0.3678% | 5,333 |
| Return on assets (ROA) | 0.3584% | 5,429 |
| Pretax return on assets | 0.5320% | 5,163 |
| Return on Equity (ROE) | 3.3973% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.3973% | 3,795 |
| Net charge-offs to loans | 0.0004% | 4,968 |
| Credit loss provision to net charge-offs | 9,700.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,896.0000% | 15 |
| Efficiency ratio | 82.9558% | 1,535 |
| Assets per employee ($millions) | 4.7759% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 4,613 |
| Loan loss allowance to noncurrent loans | 136.9642% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,745 |
| Noncurrent loans to loans | 0.7924% | 3,327 |
| Net loans and leases to total assets | 74.0385% | 1,577 |
| Net loans and leases to deposits | 86.3670% | 1,932 |
| Net loans and leases to core deposits | 98.2452% | 1,530 |
| Total domestic deposits to total assets | 85.7254% | 2,972 |
| Equity capital to assets | 10.6980% | 3,239 |
| Core capital (leverage) ratio | 10.5721% | 2,877 |
| Tier 1 risk-based capital ratio | 17.9348% | 2,160 |
| Total risk-based capital ratio | 19.1866% | 2,125 |
| Memoranda: | ||
| Average total assets | $329,483,200 | 1,973 |
| Average earning assets | $304,559,400 | 1,974 |
| Average equity | $34,763,200 | 2,010 |
| Average total loans | $254,051,200 | 1,667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,530 |
| Cost of funding earning assets | 0.6274% | 1,618 |
| Net interest margin | 3.1767% | 5,041 |
| Noninterest income to average assets | 0.4285% | 4,033 |
| Noninterest expense to average assets | 2.7947% | 3,484 |
| Loan and lease loss provision to assets | 0.0394% | 3,622 |
| Net operating income to assets | 0.3609% | 5,397 |
| Return on assets (ROA) | 0.3469% | 5,506 |
| Pretax return on assets | 0.5101% | 5,302 |
| Return on Equity (ROE) | 3.2992% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.2992% | 4,273 |
| Net charge-offs to loans | -0.0010% | 5,161 |
| Credit loss provision to net charge-offs | -4,850.0000% | 6,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0537% | 1,487 |
| Assets per employee ($millions) | 4.9003% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 4,891 |
| Loan loss allowance to noncurrent loans | 253.6381% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,764 |
| Noncurrent loans to loans | 0.4212% | 4,644 |
| Net loans and leases to total assets | 74.4641% | 1,448 |
| Net loans and leases to deposits | 86.7006% | 1,830 |
| Net loans and leases to core deposits | 98.1277% | 1,519 |
| Total domestic deposits to total assets | 85.8865% | 2,908 |
| Equity capital to assets | 10.4098% | 3,671 |
| Core capital (leverage) ratio | 10.4932% | 3,052 |
| Tier 1 risk-based capital ratio | 17.5222% | 2,390 |
| Total risk-based capital ratio | 18.7737% | 2,348 |
| Memoranda: | ||
| Average total assets | $328,275,500 | 1,988 |
| Average earning assets | $303,451,250 | 1,991 |
| Average equity | $34,512,750 | 2,028 |
| Average total loans | $255,004,750 | 1,669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,437 |
| Cost of funding earning assets | 0.6248% | 1,687 |
| Net interest margin | 3.1985% | 4,951 |
| Noninterest income to average assets | 0.4339% | 3,997 |
| Noninterest expense to average assets | 2.8388% | 3,379 |
| Loan and lease loss provision to assets | 0.0597% | 3,078 |
| Net operating income to assets | 0.3374% | 5,443 |
| Return on assets (ROA) | 0.3157% | 5,592 |
| Pretax return on assets | 0.4560% | 5,402 |
| Return on Equity (ROE) | 2.9926% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.9926% | 4,296 |
| Net charge-offs to loans | -0.0031% | 5,101 |
| Credit loss provision to net charge-offs | -2,425.0000% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8422% | 1,537 |
| Assets per employee ($millions) | 4.4917% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,018 |
| Loan loss allowance to noncurrent loans | 242.5134% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,939 |
| Noncurrent loans to loans | 0.4417% | 4,660 |
| Net loans and leases to total assets | 75.6001% | 1,219 |
| Net loans and leases to deposits | 88.1090% | 1,584 |
| Net loans and leases to core deposits | 100.3623% | 1,251 |
| Total domestic deposits to total assets | 85.8030% | 3,151 |
| Equity capital to assets | 10.4794% | 3,462 |
| Core capital (leverage) ratio | 10.6013% | 2,823 |
| Tier 1 risk-based capital ratio | 17.3806% | 2,469 |
| Total risk-based capital ratio | 18.6320% | 2,425 |
| Memoranda: | ||
| Average total assets | $324,992,670 | 2,006 |
| Average earning assets | $299,954,000 | 2,006 |
| Average equity | $34,284,330 | 2,026 |
| Average total loans | $255,173,000 | 1,661 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 4,216 |
| Cost of funding earning assets | 0.6108% | 1,893 |
| Net interest margin | 3.2568% | 4,714 |
| Noninterest income to average assets | 0.4220% | 4,016 |
| Noninterest expense to average assets | 2.9008% | 3,215 |
| Loan and lease loss provision to assets | 0.1332% | 1,818 |
| Net operating income to assets | 0.2789% | 5,569 |
| Return on assets (ROA) | 0.2789% | 5,614 |
| Pretax return on assets | 0.3884% | 5,492 |
| Return on Equity (ROE) | 2.6345% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.6345% | 4,495 |
| Net charge-offs to loans | 0.0532% | 2,637 |
| Credit loss provision to net charge-offs | 314.7059% | 773 |
| Earnings coverage of net charge-offs (x) | 12.3235% | 1,723 |
| Efficiency ratio | 84.7581% | 1,583 |
| Assets per employee ($millions) | 4.3762% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 5,303 |
| Loan loss allowance to noncurrent loans | 252.3899% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 5,099 |
| Noncurrent loans to loans | 0.4173% | 4,885 |
| Net loans and leases to total assets | 78.1243% | 761 |
| Net loans and leases to deposits | 91.7590% | 978 |
| Net loans and leases to core deposits | 103.9356% | 860 |
| Total domestic deposits to total assets | 85.1408% | 3,805 |
| Equity capital to assets | 10.5840% | 3,162 |
| Core capital (leverage) ratio | 10.5286% | 2,891 |
| Tier 1 risk-based capital ratio | 17.2002% | 2,598 |
| Total risk-based capital ratio | 18.4515% | 2,555 |
| Memoranda: | ||
| Average total assets | $321,295,500 | 2,033 |
| Average earning assets | $295,997,000 | 2,040 |
| Average equity | $34,010,500 | 2,032 |
| Average total loans | $255,756,500 | 1,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 4,521 |
| Cost of funding earning assets | 0.6496% | 2,206 |
| Net interest margin | 3.2351% | 4,873 |
| Noninterest income to average assets | 0.4587% | 4,032 |
| Noninterest expense to average assets | 2.6382% | 4,324 |
| Loan and lease loss provision to assets | 0.1551% | 2,338 |
| Net operating income to assets | 0.4335% | 5,022 |
| Return on assets (ROA) | 0.4335% | 5,144 |
| Pretax return on assets | 0.6571% | 4,676 |
| Return on Equity (ROE) | 4.0372% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.0372% | 3,318 |
| Net charge-offs to loans | 0.0357% | 4,730 |
| Credit loss provision to net charge-offs | 553.4091% | 422 |
| Earnings coverage of net charge-offs (x) | 28.9773% | 1,221 |
| Efficiency ratio | 76.4608% | 2,708 |
| Assets per employee ($millions) | 4.3665% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,445 |
| Loan loss allowance to noncurrent loans | 176.9075% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 4,769 |
| Noncurrent loans to loans | 0.5789% | 4,536 |
| Net loans and leases to total assets | 79.4357% | 656 |
| Net loans and leases to deposits | 96.4888% | 701 |
| Net loans and leases to core deposits | 109.8633% | 612 |
| Total domestic deposits to total assets | 82.3264% | 4,757 |
| Equity capital to assets | 10.5869% | 3,063 |
| Core capital (leverage) ratio | 10.7049% | 2,674 |
| Tier 1 risk-based capital ratio | 17.0223% | 2,595 |
| Total risk-based capital ratio | 18.2738% | 2,566 |
| Memoranda: | ||
| Average total assets | $313,963,200 | 2,050 |
| Average earning assets | $290,346,200 | 2,043 |
| Average equity | $33,711,800 | 2,044 |
| Average total loans | $246,254,000 | 1,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,575 |
| Cost of funding earning assets | 0.6590% | 2,279 |
| Net interest margin | 3.2210% | 4,928 |
| Noninterest income to average assets | 0.4561% | 4,113 |
| Noninterest expense to average assets | 2.6191% | 4,329 |
| Loan and lease loss provision to assets | 0.1756% | 2,073 |
| Net operating income to assets | 0.4271% | 5,126 |
| Return on assets (ROA) | 0.4271% | 5,271 |
| Pretax return on assets | 0.6429% | 4,873 |
| Return on Equity (ROE) | 3.9639% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.9639% | 3,873 |
| Net charge-offs to loans | 0.0137% | 4,864 |
| Credit loss provision to net charge-offs | 1,648.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 76.8059% | 613 |
| Efficiency ratio | 76.1905% | 2,705 |
| Assets per employee ($millions) | 4.5411% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,553 |
| Loan loss allowance to noncurrent loans | 136.2591% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 4,558 |
| Noncurrent loans to loans | 0.7637% | 4,319 |
| Net loans and leases to total assets | 78.0256% | 741 |
| Net loans and leases to deposits | 92.5729% | 938 |
| Net loans and leases to core deposits | 105.3793% | 794 |
| Total domestic deposits to total assets | 84.2855% | 4,069 |
| Equity capital to assets | 10.5962% | 3,167 |
| Core capital (leverage) ratio | 10.7441% | 2,729 |
| Tier 1 risk-based capital ratio | 17.4640% | 2,519 |
| Total risk-based capital ratio | 18.7157% | 2,491 |
| Memoranda: | ||
| Average total assets | $312,766,000 | 2,067 |
| Average earning assets | $289,507,250 | 2,056 |
| Average equity | $33,703,250 | 2,063 |
| Average total loans | $243,861,750 | 1,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 4,456 |
| Cost of funding earning assets | 0.6706% | 2,313 |
| Net interest margin | 3.2347% | 4,822 |
| Noninterest income to average assets | 0.4520% | 4,149 |
| Noninterest expense to average assets | 2.6239% | 4,304 |
| Loan and lease loss provision to assets | 0.2167% | 1,752 |
| Net operating income to assets | 0.4038% | 5,204 |
| Return on assets (ROA) | 0.4038% | 5,369 |
| Pretax return on assets | 0.6044% | 4,996 |
| Return on Equity (ROE) | 3.7259% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.7259% | 3,932 |
| Net charge-offs to loans | 0.0008% | 4,905 |
| Credit loss provision to net charge-offs | 33,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,277.0000% | 24 |
| Efficiency ratio | 76.1665% | 2,758 |
| Assets per employee ($millions) | 4.4555% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 5,694 |
| Loan loss allowance to noncurrent loans | 133.2465% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 4,700 |
| Noncurrent loans to loans | 0.7756% | 4,365 |
| Net loans and leases to total assets | 78.5083% | 695 |
| Net loans and leases to deposits | 93.2569% | 861 |
| Net loans and leases to core deposits | 107.3802% | 664 |
| Total domestic deposits to total assets | 84.1850% | 4,248 |
| Equity capital to assets | 10.7487% | 3,000 |
| Core capital (leverage) ratio | 10.6158% | 2,748 |
| Tier 1 risk-based capital ratio | 17.5567% | 2,494 |
| Total risk-based capital ratio | 18.8087% | 2,457 |
| Memoranda: | ||
| Average total assets | $311,061,670 | 2,085 |
| Average earning assets | $287,816,000 | 2,076 |
| Average equity | $33,710,000 | 2,070 |
| Average total loans | $241,604,000 | 1,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 4,536 |
| Cost of funding earning assets | 0.6675% | 2,503 |
| Net interest margin | 3.2165% | 4,862 |
| Noninterest income to average assets | 0.4429% | 4,156 |
| Noninterest expense to average assets | 2.5740% | 4,495 |
| Loan and lease loss provision to assets | 0.3374% | 993 |
| Net operating income to assets | 0.3451% | 5,376 |
| Return on assets (ROA) | 0.3451% | 5,520 |
| Pretax return on assets | 0.5035% | 5,244 |
| Return on Equity (ROE) | 3.1713% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.1713% | 4,361 |
| Net charge-offs to loans | -0.0084% | 5,385 |
| Credit loss provision to net charge-offs | -5,240.0000% | 5,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3771% | 3,028 |
| Assets per employee ($millions) | 4.5673% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 5,870 |
| Loan loss allowance to noncurrent loans | 127.0684% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 4,830 |
| Noncurrent loans to loans | 0.8117% | 4,501 |
| Net loans and leases to total assets | 75.7540% | 869 |
| Net loans and leases to deposits | 89.8584% | 981 |
| Net loans and leases to core deposits | 102.6288% | 796 |
| Total domestic deposits to total assets | 84.3037% | 4,352 |
| Equity capital to assets | 10.7500% | 3,260 |
| Core capital (leverage) ratio | 10.8576% | 2,392 |
| Tier 1 risk-based capital ratio | 18.0543% | 2,337 |
| Total risk-based capital ratio | 19.3065% | 2,300 |
| Memoranda: | ||
| Average total assets | $310,648,500 | 2,117 |
| Average earning assets | $287,024,500 | 2,111 |
| Average equity | $33,803,000 | 2,088 |
| Average total loans | $238,698,500 | 1,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 4,532 |
| Cost of funding earning assets | 0.7741% | 2,876 |
| Net interest margin | 3.4395% | 4,742 |
| Noninterest income to average assets | 0.4835% | 4,017 |
| Noninterest expense to average assets | 2.9801% | 3,347 |
| Loan and lease loss provision to assets | 0.0831% | 4,661 |
| Net operating income to assets | 0.4172% | 5,021 |
| Return on assets (ROA) | 0.4204% | 5,268 |
| Pretax return on assets | 0.5932% | 5,015 |
| Return on Equity (ROE) | 3.7190% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,598 |
| Net charge-offs to loans | 0.0370% | 5,403 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,181 |
| Efficiency ratio | 81.6027% | 1,929 |
| Assets per employee ($millions) | 4.3120% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,160 |
| Loan loss allowance to noncurrent loans | 120.7722% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 4,969 |
| Noncurrent loans to loans | 0.7787% | 4,625 |
| Net loans and leases to total assets | 76.4173% | 863 |
| Net loans and leases to deposits | 91.0465% | 981 |
| Net loans and leases to core deposits | 105.0723% | 732 |
| Total domestic deposits to total assets | 83.9322% | 4,346 |
| Equity capital to assets | 11.0167% | 2,931 |
| Core capital (leverage) ratio | 11.1942% | 2,093 |
| Tier 1 risk-based capital ratio | 18.5347% | 2,096 |
| Total risk-based capital ratio | 19.7868% | 2,061 |
| Memoranda: | ||
| Average total assets | $288,751,000 | 2,215 |
| Average earning assets | $265,994,400 | 2,186 |
| Average equity | $32,643,200 | 2,114 |
| Average total loans | $216,238,600 | 1,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 4,470 |
| Cost of funding earning assets | 0.8021% | 2,922 |
| Net interest margin | 3.4926% | 4,678 |
| Noninterest income to average assets | 0.4805% | 4,059 |
| Noninterest expense to average assets | 3.0154% | 3,184 |
| Loan and lease loss provision to assets | 0.0844% | 4,557 |
| Net operating income to assets | 0.4126% | 5,196 |
| Return on assets (ROA) | 0.4168% | 5,410 |
| Pretax return on assets | 0.6019% | 5,161 |
| Return on Equity (ROE) | 3.6615% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.6615% | 4,313 |
| Net charge-offs to loans | -0.0271% | 6,562 |
| Credit loss provision to net charge-offs | -418.6047% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5933% | 1,850 |
| Assets per employee ($millions) | 4.1508% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,515 |
| Loan loss allowance to noncurrent loans | 113.0416% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 4,788 |
| Noncurrent loans to loans | 1.0181% | 4,416 |
| Net loans and leases to total assets | 74.5217% | 1,170 |
| Net loans and leases to deposits | 85.2895% | 1,688 |
| Net loans and leases to core deposits | 99.1311% | 1,183 |
| Total domestic deposits to total assets | 87.3750% | 2,448 |
| Equity capital to assets | 11.3898% | 2,859 |
| Core capital (leverage) ratio | 11.2898% | 2,149 |
| Tier 1 risk-based capital ratio | 19.4579% | 1,888 |
| Total risk-based capital ratio | 20.7115% | 1,862 |
| Memoranda: | ||
| Average total assets | $284,400,750 | 2,265 |
| Average earning assets | $261,800,500 | 2,240 |
| Average equity | $32,372,000 | 2,142 |
| Average total loans | $211,254,750 | 1,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 4,326 |
| Cost of funding earning assets | 0.8294% | 2,958 |
| Net interest margin | 3.5358% | 4,525 |
| Noninterest income to average assets | 0.4648% | 4,167 |
| Noninterest expense to average assets | 3.0915% | 2,951 |
| Loan and lease loss provision to assets | 0.0854% | 4,518 |
| Net operating income to assets | 0.3723% | 5,340 |
| Return on assets (ROA) | 0.3787% | 5,537 |
| Pretax return on assets | 0.5502% | 5,310 |
| Return on Equity (ROE) | 3.3277% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.3277% | 4,388 |
| Net charge-offs to loans | -0.0250% | 6,479 |
| Credit loss provision to net charge-offs | -461.5385% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1514% | 1,732 |
| Assets per employee ($millions) | 4.1809% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,560 |
| Loan loss allowance to noncurrent loans | 109.8804% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 4,864 |
| Noncurrent loans to loans | 1.0493% | 4,418 |
| Net loans and leases to total assets | 72.6498% | 1,455 |
| Net loans and leases to deposits | 84.3862% | 1,805 |
| Net loans and leases to core deposits | 98.3473% | 1,239 |
| Total domestic deposits to total assets | 86.0921% | 3,309 |
| Equity capital to assets | 11.3247% | 2,757 |
| Core capital (leverage) ratio | 11.1135% | 2,192 |
| Tier 1 risk-based capital ratio | 19.4065% | 1,877 |
| Total risk-based capital ratio | 20.6600% | 1,843 |
| Memoranda: | ||
| Average total assets | $280,964,330 | 2,295 |
| Average earning assets | $258,498,330 | 2,273 |
| Average equity | $31,973,670 | 2,154 |
| Average total loans | $207,613,000 | 1,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 3,628 |
| Cost of funding earning assets | 0.8564% | 3,018 |
| Net interest margin | 3.7169% | 3,754 |
| Noninterest income to average assets | 0.4842% | 4,031 |
| Noninterest expense to average assets | 3.1928% | 2,625 |
| Loan and lease loss provision to assets | 0.0872% | 4,286 |
| Net operating income to assets | 0.4101% | 5,210 |
| Return on assets (ROA) | 0.4216% | 5,348 |
| Pretax return on assets | 0.6354% | 4,990 |
| Return on Equity (ROE) | 3.6956% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.6956% | 4,371 |
| Net charge-offs to loans | -0.0196% | 6,181 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9097% | 1,943 |
| Assets per employee ($millions) | 4.1358% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,831 |
| Loan loss allowance to noncurrent loans | 89.0700% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 4,451 |
| Noncurrent loans to loans | 1.2594% | 4,227 |
| Net loans and leases to total assets | 73.1979% | 1,183 |
| Net loans and leases to deposits | 84.7355% | 1,573 |
| Net loans and leases to core deposits | 98.8644% | 1,058 |
| Total domestic deposits to total assets | 86.3839% | 3,314 |
| Equity capital to assets | 11.3222% | 2,608 |
| Core capital (leverage) ratio | 11.2494% | 2,077 |
| Tier 1 risk-based capital ratio | 19.2878% | 1,901 |
| Total risk-based capital ratio | 20.5404% | 1,870 |
| Memoranda: | ||
| Average total assets | $275,116,500 | 2,349 |
| Average earning assets | $252,685,000 | 2,344 |
| Average equity | $31,389,000 | 2,180 |
| Average total loans | $203,871,000 | 1,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 4,248 |
| Cost of funding earning assets | 1.0331% | 3,137 |
| Net interest margin | 3.6675% | 4,443 |
| Noninterest income to average assets | 0.5900% | 3,222 |
| Noninterest expense to average assets | 3.2570% | 2,664 |
| Loan and lease loss provision to assets | 0.0706% | 5,736 |
| Net operating income to assets | 0.4025% | 4,850 |
| Return on assets (ROA) | 0.4025% | 5,028 |
| Pretax return on assets | 0.6002% | 4,694 |
| Return on Equity (ROE) | 3.5106% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.5106% | 3,724 |
| Net charge-offs to loans | 0.3123% | 3,837 |
| Credit loss provision to net charge-offs | 30.7167% | 5,773 |
| Earnings coverage of net charge-offs (x) | 2.9181% | 3,745 |
| Efficiency ratio | 82.9222% | 1,892 |
| Assets per employee ($millions) | 4.0112% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,355 |
| Loan loss allowance to noncurrent loans | 89.8038% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 4,348 |
| Noncurrent loans to loans | 1.3437% | 4,130 |
| Net loans and leases to total assets | 73.2919% | 1,389 |
| Net loans and leases to deposits | 86.9859% | 1,529 |
| Net loans and leases to core deposits | 101.5485% | 1,062 |
| Total domestic deposits to total assets | 84.2573% | 4,213 |
| Equity capital to assets | 11.5062% | 2,500 |
| Core capital (leverage) ratio | 11.1095% | 2,183 |
| Tier 1 risk-based capital ratio | 19.0385% | 1,880 |
| Total risk-based capital ratio | 20.2921% | 1,837 |
| Memoranda: | ||
| Average total assets | $254,924,800 | 2,472 |
| Average earning assets | $232,013,400 | 2,491 |
| Average equity | $29,225,400 | 2,253 |
| Average total loans | $187,659,200 | 2,155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 4,183 |
| Cost of funding earning assets | 1.0797% | 3,112 |
| Net interest margin | 3.6813% | 4,425 |
| Noninterest income to average assets | 0.5918% | 3,218 |
| Noninterest expense to average assets | 3.1818% | 2,876 |
| Loan and lease loss provision to assets | 0.0710% | 5,565 |
| Net operating income to assets | 0.4582% | 4,730 |
| Return on assets (ROA) | 0.4582% | 4,924 |
| Pretax return on assets | 0.6838% | 4,540 |
| Return on Equity (ROE) | 4.0001% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.0001% | 3,870 |
| Net charge-offs to loans | 0.3172% | 3,515 |
| Credit loss provision to net charge-offs | 30.4740% | 5,408 |
| Earnings coverage of net charge-offs (x) | 3.2393% | 3,529 |
| Efficiency ratio | 80.8258% | 2,139 |
| Assets per employee ($millions) | 3.9728% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,075 |
| Loan loss allowance to noncurrent loans | 95.4100% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 4,592 |
| Noncurrent loans to loans | 1.3468% | 4,282 |
| Net loans and leases to total assets | 72.3494% | 1,637 |
| Net loans and leases to deposits | 85.4322% | 1,768 |
| Net loans and leases to core deposits | 99.3069% | 1,311 |
| Total domestic deposits to total assets | 84.6863% | 3,924 |
| Equity capital to assets | 11.5795% | 2,616 |
| Core capital (leverage) ratio | 11.0456% | 2,348 |
| Tier 1 risk-based capital ratio | 18.3622% | 2,131 |
| Total risk-based capital ratio | 19.6164% | 2,093 |
| Memoranda: | ||
| Average total assets | $253,473,500 | 2,495 |
| Average earning assets | $230,312,250 | 2,509 |
| Average equity | $29,031,750 | 2,266 |
| Average total loans | $186,217,000 | 2,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 4,146 |
| Cost of funding earning assets | 1.1345% | 3,012 |
| Net interest margin | 3.6520% | 4,515 |
| Noninterest income to average assets | 0.6003% | 3,142 |
| Noninterest expense to average assets | 3.2761% | 2,647 |
| Loan and lease loss provision to assets | 0.0715% | 5,416 |
| Net operating income to assets | 0.3922% | 4,983 |
| Return on assets (ROA) | 0.3922% | 5,126 |
| Pretax return on assets | 0.5653% | 4,857 |
| Return on Equity (ROE) | 3.4375% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.4375% | 4,071 |
| Net charge-offs to loans | 0.4557% | 2,756 |
| Credit loss provision to net charge-offs | 21.3270% | 5,115 |
| Earnings coverage of net charge-offs (x) | 1.9005% | 3,914 |
| Efficiency ratio | 83.7256% | 1,850 |
| Assets per employee ($millions) | 3.7897% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 5,155 |
| Loan loss allowance to noncurrent loans | 83.8440% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 4,429 |
| Noncurrent loans to loans | 1.5254% | 4,134 |
| Net loans and leases to total assets | 73.2053% | 1,554 |
| Net loans and leases to deposits | 87.1792% | 1,629 |
| Net loans and leases to core deposits | 101.7300% | 1,192 |
| Total domestic deposits to total assets | 83.9710% | 4,365 |
| Equity capital to assets | 11.5195% | 2,488 |
| Core capital (leverage) ratio | 10.9387% | 2,306 |
| Tier 1 risk-based capital ratio | 17.6593% | 2,282 |
| Total risk-based capital ratio | 18.9123% | 2,249 |
| Memoranda: | ||
| Average total assets | $251,887,000 | 2,528 |
| Average earning assets | $228,480,670 | 2,547 |
| Average equity | $28,741,670 | 2,262 |
| Average total loans | $185,202,000 | 2,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 3,988 |
| Cost of funding earning assets | 1.1635% | 3,063 |
| Net interest margin | 3.6521% | 4,316 |
| Noninterest income to average assets | 0.6457% | 2,872 |
| Noninterest expense to average assets | 3.2925% | 2,582 |
| Loan and lease loss provision to assets | 0.0717% | 5,110 |
| Net operating income to assets | 0.4098% | 4,902 |
| Return on assets (ROA) | 0.4098% | 4,994 |
| Pretax return on assets | 0.5947% | 4,704 |
| Return on Equity (ROE) | 3.6085% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.6085% | 4,020 |
| Net charge-offs to loans | 0.4900% | 2,249 |
| Credit loss provision to net charge-offs | 20.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | 1.8578% | 3,375 |
| Efficiency ratio | 83.1655% | 2,056 |
| Assets per employee ($millions) | 3.8325% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,734 |
| Loan loss allowance to noncurrent loans | 105.8289% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0947% | 4,730 |
| Noncurrent loans to loans | 1.3099% | 4,510 |
| Net loans and leases to total assets | 71.9946% | 1,727 |
| Net loans and leases to deposits | 85.9037% | 1,748 |
| Net loans and leases to core deposits | 100.8316% | 1,272 |
| Total domestic deposits to total assets | 83.8085% | 4,564 |
| Equity capital to assets | 11.3138% | 2,403 |
| Core capital (leverage) ratio | 10.9181% | 2,244 |
| Tier 1 risk-based capital ratio | 17.7314% | 2,207 |
| Total risk-based capital ratio | 18.9863% | 2,171 |
| Memoranda: | ||
| Average total assets | $250,876,500 | 2,563 |
| Average earning assets | $227,595,000 | 2,575 |
| Average equity | $28,488,000 | 2,272 |
| Average total loans | $183,662,000 | 2,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 3,381 |
| Cost of funding earning assets | 1.4037% | 3,247 |
| Net interest margin | 3.8425% | 3,765 |
| Noninterest income to average assets | 0.6686% | 3,028 |
| Noninterest expense to average assets | 3.4142% | 2,400 |
| Loan and lease loss provision to assets | 0.2272% | 5,004 |
| Net operating income to assets | 0.2758% | 5,018 |
| Return on assets (ROA) | 0.2758% | 5,182 |
| Pretax return on assets | 0.4590% | 4,766 |
| Return on Equity (ROE) | 2.3704% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.3704% | 4,217 |
| Net charge-offs to loans | 0.5770% | 3,316 |
| Credit loss provision to net charge-offs | 51.5741% | 6,235 |
| Earnings coverage of net charge-offs (x) | 1.5574% | 4,574 |
| Efficiency ratio | 83.2653% | 2,023 |
| Assets per employee ($millions) | 3.7135% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,011 |
| Loan loss allowance to noncurrent loans | 164.1702% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 5,122 |
| Noncurrent loans to loans | 0.9137% | 5,225 |
| Net loans and leases to total assets | 72.3116% | 2,027 |
| Net loans and leases to deposits | 84.3167% | 2,402 |
| Net loans and leases to core deposits | 98.9719% | 1,708 |
| Total domestic deposits to total assets | 85.7619% | 3,468 |
| Equity capital to assets | 11.3977% | 2,342 |
| Core capital (leverage) ratio | 10.7806% | 2,320 |
| Tier 1 risk-based capital ratio | 17.6076% | 2,129 |
| Total risk-based capital ratio | 18.8644% | 2,096 |
| Memoranda: | ||
| Average total assets | $245,123,400 | 2,596 |
| Average earning assets | $218,919,800 | 2,646 |
| Average equity | $28,518,000 | 2,279 |
| Average total loans | $187,176,800 | 2,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 3,203 |
| Cost of funding earning assets | 1.4347% | 3,369 |
| Net interest margin | 3.8971% | 3,540 |
| Noninterest income to average assets | 0.6503% | 3,121 |
| Noninterest expense to average assets | 3.3922% | 2,320 |
| Loan and lease loss provision to assets | 0.2648% | 4,462 |
| Net operating income to assets | 0.2599% | 5,314 |
| Return on assets (ROA) | 0.2599% | 5,473 |
| Pretax return on assets | 0.4635% | 5,031 |
| Return on Equity (ROE) | 2.2223% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.2223% | 4,837 |
| Net charge-offs to loans | 0.7357% | 2,583 |
| Credit loss provision to net charge-offs | 46.6795% | 5,933 |
| Earnings coverage of net charge-offs (x) | 1.2839% | 4,795 |
| Efficiency ratio | 82.3241% | 2,030 |
| Assets per employee ($millions) | 3.7896% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 4,069 |
| Loan loss allowance to noncurrent loans | 96.6120% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 4,068 |
| Noncurrent loans to loans | 1.5277% | 4,347 |
| Net loans and leases to total assets | 72.3003% | 2,191 |
| Net loans and leases to deposits | 84.1135% | 2,684 |
| Net loans and leases to core deposits | 98.5923% | 1,983 |
| Total domestic deposits to total assets | 85.9557% | 3,101 |
| Equity capital to assets | 11.5655% | 2,480 |
| Core capital (leverage) ratio | 11.4623% | 1,959 |
| Tier 1 risk-based capital ratio | 18.5686% | 1,853 |
| Total risk-based capital ratio | 19.8247% | 1,820 |
| Memoranda: | ||
| Average total assets | $244,203,000 | 2,645 |
| Average earning assets | $217,454,250 | 2,695 |
| Average equity | $28,558,000 | 2,307 |
| Average total loans | $188,307,250 | 2,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 2,566 |
| Cost of funding earning assets | 1.4553% | 3,530 |
| Net interest margin | 4.0342% | 2,855 |
| Noninterest income to average assets | 0.7002% | 2,702 |
| Noninterest expense to average assets | 3.4281% | 2,197 |
| Loan and lease loss provision to assets | 0.3402% | 3,700 |
| Net operating income to assets | 0.2469% | 5,390 |
| Return on assets (ROA) | 0.2469% | 5,532 |
| Pretax return on assets | 0.5160% | 4,856 |
| Return on Equity (ROE) | 2.1030% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,807 |
| Net charge-offs to loans | 0.8152% | 2,209 |
| Credit loss provision to net charge-offs | 53.2300% | 5,351 |
| Earnings coverage of net charge-offs (x) | 1.3398% | 4,485 |
| Efficiency ratio | 80.0154% | 2,445 |
| Assets per employee ($millions) | 3.6018% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,530 |
| Loan loss allowance to noncurrent loans | 56.6270% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.3469% | 3,081 |
| Noncurrent loans to loans | 2.7926% | 2,862 |
| Net loans and leases to total assets | 73.7159% | 1,977 |
| Net loans and leases to deposits | 85.9881% | 2,508 |
| Net loans and leases to core deposits | 100.7140% | 1,947 |
| Total domestic deposits to total assets | 85.7280% | 3,246 |
| Equity capital to assets | 11.7275% | 2,263 |
| Core capital (leverage) ratio | 11.6849% | 1,817 |
| Tier 1 risk-based capital ratio | 18.5070% | 1,830 |
| Total risk-based capital ratio | 19.7650% | 1,796 |
| Memoranda: | ||
| Average total assets | $242,232,330 | 2,686 |
| Average earning assets | $215,209,000 | 2,744 |
| Average equity | $28,435,000 | 2,308 |
| Average total loans | $189,895,330 | 2,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 2,660 |
| Cost of funding earning assets | 1.4533% | 3,849 |
| Net interest margin | 4.0315% | 2,738 |
| Noninterest income to average assets | 0.7572% | 2,258 |
| Noninterest expense to average assets | 3.5103% | 1,953 |
| Loan and lease loss provision to assets | 0.5646% | 2,243 |
| Net operating income to assets | 0.1810% | 5,750 |
| Return on assets (ROA) | 0.1810% | 5,879 |
| Pretax return on assets | 0.2889% | 5,639 |
| Return on Equity (ROE) | 1.5411% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.5411% | 5,171 |
| Net charge-offs to loans | 1.2283% | 1,385 |
| Credit loss provision to net charge-offs | 57.3356% | 4,354 |
| Earnings coverage of net charge-offs (x) | 0.8668% | 4,270 |
| Efficiency ratio | 80.4414% | 2,501 |
| Assets per employee ($millions) | 3.5860% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 3,595 |
| Loan loss allowance to noncurrent loans | 37.9380% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 3.4687% | 2,034 |
| Noncurrent loans to loans | 4.1298% | 1,875 |
| Net loans and leases to total assets | 78.7077% | 1,021 |
| Net loans and leases to deposits | 92.2823% | 1,574 |
| Net loans and leases to core deposits | 107.8979% | 1,425 |
| Total domestic deposits to total assets | 85.2902% | 3,515 |
| Equity capital to assets | 11.8034% | 2,161 |
| Core capital (leverage) ratio | 11.3919% | 1,969 |
| Tier 1 risk-based capital ratio | 17.1272% | 2,230 |
| Total risk-based capital ratio | 18.3850% | 2,178 |
| Memoranda: | ||
| Average total assets | $240,888,500 | 2,757 |
| Average earning assets | $215,505,000 | 2,799 |
| Average equity | $28,291,000 | 2,351 |
| Average total loans | $193,120,000 | 2,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 3,462 |
| Cost of funding earning assets | 1.7919% | 4,031 |
| Net interest margin | 3.8342% | 3,558 |
| Noninterest income to average assets | 0.2059% | 6,637 |
| Noninterest expense to average assets | 4.2168% | 1,075 |
| Loan and lease loss provision to assets | 0.5875% | 3,444 |
| Net operating income to assets | -0.6307% | 6,299 |
| Return on assets (ROA) | -0.6458% | 6,311 |
| Pretax return on assets | -1.1501% | 6,510 |
| Return on Equity (ROE) | -5.4359% | 6,253 |
| Retained earnings to average equity (ytd only) | -5.4359% | 6,079 |
| Net charge-offs to loans | 0.6025% | 3,413 |
| Credit loss provision to net charge-offs | 123.1624% | 4,287 |
| Earnings coverage of net charge-offs (x) | -1.1299% | 6,908 |
| Efficiency ratio | 114.6547% | 694 |
| Assets per employee ($millions) | 3.6047% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 2,959 |
| Loan loss allowance to noncurrent loans | 35.8690% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 3.8701% | 1,718 |
| Noncurrent loans to loans | 4.6861% | 1,501 |
| Net loans and leases to total assets | 79.0271% | 1,175 |
| Net loans and leases to deposits | 92.7695% | 1,774 |
| Net loans and leases to core deposits | 127.0650% | 1,447 |
| Total domestic deposits to total assets | 85.1865% | 3,464 |
| Equity capital to assets | 11.6858% | 2,198 |
| Core capital (leverage) ratio | 11.1749% | 2,128 |
| Tier 1 risk-based capital ratio | 17.1432% | 2,117 |
| Total risk-based capital ratio | 18.4034% | 2,070 |
| Memoranda: | ||
| Average total assets | $245,282,800 | 2,659 |
| Average earning assets | $222,107,800 | 2,680 |
| Average equity | $29,139,800 | 2,287 |
| Average total loans | $194,189,400 | 2,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 3,600 |
| Cost of funding earning assets | 1.8511% | 4,147 |
| Net interest margin | 3.7938% | 3,683 |
| Noninterest income to average assets | 0.0861% | 7,464 |
| Noninterest expense to average assets | 3.7704% | 1,657 |
| Loan and lease loss provision to assets | 0.3076% | 4,510 |
| Net operating income to assets | -0.2864% | 6,179 |
| Return on assets (ROA) | -0.3065% | 6,224 |
| Pretax return on assets | -0.5729% | 6,370 |
| Return on Equity (ROE) | -2.5695% | 6,174 |
| Retained earnings to average equity (ytd only) | -2.5695% | 5,835 |
| Net charge-offs to loans | 0.7573% | 2,467 |
| Credit loss provision to net charge-offs | 51.4959% | 6,285 |
| Earnings coverage of net charge-offs (x) | -0.3917% | 6,421 |
| Efficiency ratio | 106.6146% | 843 |
| Assets per employee ($millions) | 3.4809% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,825 |
| Loan loss allowance to noncurrent loans | 53.7990% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.0897% | 3,225 |
| Noncurrent loans to loans | 2.3238% | 3,236 |
| Net loans and leases to total assets | 79.6484% | 1,247 |
| Net loans and leases to deposits | 93.3152% | 1,996 |
| Net loans and leases to core deposits | 127.4527% | 1,623 |
| Total domestic deposits to total assets | 85.3541% | 3,049 |
| Equity capital to assets | 11.9762% | 2,252 |
| Core capital (leverage) ratio | 11.5548% | 2,042 |
| Tier 1 risk-based capital ratio | 17.3018% | 2,181 |
| Total risk-based capital ratio | 18.5549% | 2,127 |
| Memoranda: | ||
| Average total assets | $246,224,500 | 2,661 |
| Average earning assets | $223,938,500 | 2,690 |
| Average equity | $29,369,000 | 2,298 |
| Average total loans | $194,205,250 | 2,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 3,901 |
| Cost of funding earning assets | 1.9266% | 4,124 |
| Net interest margin | 3.7057% | 3,928 |
| Noninterest income to average assets | -0.1846% | 8,063 |
| Noninterest expense to average assets | 3.8296% | 1,610 |
| Loan and lease loss provision to assets | 0.1174% | 5,958 |
| Net operating income to assets | -0.4573% | 6,503 |
| Return on assets (ROA) | -0.4573% | 6,509 |
| Pretax return on assets | -0.7577% | 6,656 |
| Return on Equity (ROE) | -3.8394% | 6,459 |
| Retained earnings to average equity (ytd only) | -3.8394% | 6,105 |
| Net charge-offs to loans | 0.3443% | 3,459 |
| Credit loss provision to net charge-offs | 43.5435% | 5,851 |
| Earnings coverage of net charge-offs (x) | -2.3754% | 6,373 |
| Efficiency ratio | 120.0761% | 666 |
| Assets per employee ($millions) | 3.4305% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 3,602 |
| Loan loss allowance to noncurrent loans | 113.5223% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 4,720 |
| Noncurrent loans to loans | 1.2546% | 4,695 |
| Net loans and leases to total assets | 79.6836% | 1,364 |
| Net loans and leases to deposits | 93.2346% | 2,230 |
| Net loans and leases to core deposits | 128.8149% | 1,664 |
| Total domestic deposits to total assets | 85.4657% | 3,030 |
| Equity capital to assets | 11.9062% | 2,257 |
| Core capital (leverage) ratio | 11.7328% | 1,962 |
| Tier 1 risk-based capital ratio | 18.3124% | 1,931 |
| Total risk-based capital ratio | 19.5687% | 1,878 |
| Memoranda: | ||
| Average total assets | $247,077,330 | 2,669 |
| Average earning assets | $224,952,670 | 2,689 |
| Average equity | $29,431,330 | 2,311 |
| Average total loans | $193,429,330 | 2,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 3,855 |
| Cost of funding earning assets | 2.0304% | 3,985 |
| Net interest margin | 3.6600% | 4,061 |
| Noninterest income to average assets | 0.4935% | 4,381 |
| Noninterest expense to average assets | 3.8676% | 1,353 |
| Loan and lease loss provision to assets | 0.1173% | 5,469 |
| Net operating income to assets | -0.1013% | 6,410 |
| Return on assets (ROA) | -0.1013% | 6,529 |
| Pretax return on assets | -0.1591% | 6,529 |
| Return on Equity (ROE) | -0.8500% | 6,518 |
| Retained earnings to average equity (ytd only) | -0.8500% | 5,850 |
| Net charge-offs to loans | 0.5947% | 1,988 |
| Credit loss provision to net charge-offs | 25.6140% | 5,003 |
| Earnings coverage of net charge-offs (x) | -0.0912% | 5,065 |
| Efficiency ratio | 101.0924% | 1,083 |
| Assets per employee ($millions) | 3.2453% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,231 |
| Loan loss allowance to noncurrent loans | 101.3120% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 4,248 |
| Noncurrent loans to loans | 1.4315% | 4,160 |
| Net loans and leases to total assets | 76.5894% | 2,143 |
| Net loans and leases to deposits | 87.8909% | 3,308 |
| Net loans and leases to core deposits | 120.9024% | 2,344 |
| Total domestic deposits to total assets | 87.1414% | 2,155 |
| Equity capital to assets | 12.0136% | 2,251 |
| Core capital (leverage) ratio | 11.8256% | 1,986 |
| Tier 1 risk-based capital ratio | 18.8792% | 1,840 |
| Total risk-based capital ratio | 20.1354% | 1,793 |
| Memoranda: | ||
| Average total assets | $248,835,000 | 2,659 |
| Average earning assets | $226,555,000 | 2,684 |
| Average equity | $29,647,500 | 2,307 |
| Average total loans | $191,702,500 | 2,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2732% | 133 |
| Cost of funding earning assets | 3.7488% | 229 |
| Net interest margin | 4.5244% | 1,361 |
| Noninterest income to average assets | 0.8441% | 2,270 |
| Noninterest expense to average assets | 4.9685% | 634 |
| Loan and lease loss provision to assets | 1.2047% | 1,194 |
| Net operating income to assets | -0.9035% | 7,187 |
| Return on assets (ROA) | -0.8874% | 7,096 |
| Pretax return on assets | -1.1936% | 7,114 |
| Return on Equity (ROE) | -8.0544% | 7,130 |
| Retained earnings to average equity (ytd only) | -8.0544% | 6,892 |
| Net charge-offs to loans | 0.1970% | 4,224 |
| Credit loss provision to net charge-offs | 881.3008% | 501 |
| Earnings coverage of net charge-offs (x) | -0.0772% | 6,306 |
| Efficiency ratio | 100.2130% | 974 |
| Assets per employee ($millions) | 3.3030% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 2,396 |
| Loan loss allowance to noncurrent loans | 97.7778% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 3,561 |
| Noncurrent loans to loans | 1.5961% | 3,377 |
| Net loans and leases to total assets | 75.1833% | 2,837 |
| Net loans and leases to deposits | 87.6684% | 3,845 |
| Net loans and leases to core deposits | 122.5887% | 2,441 |
| Total domestic deposits to total assets | 85.7588% | 2,514 |
| Equity capital to assets | 11.8171% | 2,413 |
| Core capital (leverage) ratio | 11.3995% | 2,312 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,747 |
| Total risk-based capital ratio | 20.5641% | 1,700 |
| Memoranda: | ||
| Average total assets | $179,954,400 | 3,406 |
| Average earning assets | $163,623,800 | 3,420 |
| Average equity | $19,827,600 | 3,259 |
| Average total loans | $124,863,200 | 3,354 |