Home > Kennebunk Savings Bank > Performance and Condition Ratios
Kennebunk Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 3,500 |
| Cost of funding earning assets | 1.0915% | 3,091 |
| Net interest margin | 3.1708% | 2,941 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.9491% | 1,194 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4334% | 3,800 |
| Return on assets (ROA) | 0.2198% | 4,153 |
| Pretax return on assets | 0.2895% | 4,098 |
| Return on Equity (ROE) | 2.9200% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.9166% | 3,303 |
| Net charge-offs to loans | 0.0037% | 2,626 |
| Credit loss provision to net charge-offs | 4,084.3137% | 127 |
| Earnings coverage of net charge-offs (x) | 241.7059% | 513 |
| Efficiency ratio | 81.3528% | 820 |
| Assets per employee ($millions) | 5.7923% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,336 |
| Loan loss allowance to noncurrent loans | 1,585.5940% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,186 |
| Noncurrent loans to loans | 0.0753% | 3,185 |
| Net loans and leases to total assets | 76.9000% | 988 |
| Net loans and leases to deposits | 87.7696% | 1,456 |
| Net loans and leases to core deposits | 87.8099% | 2,186 |
| Total domestic deposits to total assets | 87.6100% | 1,483 |
| Equity capital to assets | 7.9044% | 3,479 |
| Core capital (leverage) ratio | 10.7965% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,829,428,200 | 617 |
| Average earning assets | $1,696,869,400 | 609 |
| Average equity | $137,866,600 | 720 |
| Average total loans | $1,385,394,800 | 553 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 3,461 |
| Cost of funding earning assets | 1.0032% | 3,027 |
| Net interest margin | 3.1985% | 2,919 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.9762% | 1,104 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.3512% | 4,044 |
| Return on assets (ROA) | 0.2051% | 4,239 |
| Pretax return on assets | 0.2602% | 4,198 |
| Return on Equity (ROE) | 2.7600% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.7551% | 3,570 |
| Net charge-offs to loans | 0.0064% | 2,209 |
| Credit loss provision to net charge-offs | 2,840.9091% | 165 |
| Earnings coverage of net charge-offs (x) | 121.0152% | 836 |
| Efficiency ratio | 83.6012% | 637 |
| Assets per employee ($millions) | 5.7929% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,419 |
| Loan loss allowance to noncurrent loans | 1,294.5820% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,129 |
| Noncurrent loans to loans | 0.0918% | 3,118 |
| Net loans and leases to total assets | 76.7000% | 1,032 |
| Net loans and leases to deposits | 83.6508% | 1,767 |
| Net loans and leases to core deposits | 83.7026% | 2,346 |
| Total domestic deposits to total assets | 91.6900% | 520 |
| Equity capital to assets | 7.2139% | 3,508 |
| Core capital (leverage) ratio | 10.7372% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,830,643,250 | 618 |
| Average earning assets | $1,696,858,750 | 608 |
| Average equity | $136,277,750 | 726 |
| Average total loans | $1,376,747,500 | 557 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 3,447 |
| Cost of funding earning assets | 0.8989% | 2,931 |
| Net interest margin | 3.2212% | 2,934 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.0204% | 1,011 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.3330% | 4,110 |
| Return on assets (ROA) | 0.1064% | 4,387 |
| Pretax return on assets | 0.1344% | 4,372 |
| Return on Equity (ROE) | 1.4100% | 4,337 |
| Retained earnings to average equity (ytd only) | 1.4149% | 3,841 |
| Net charge-offs to loans | 0.0078% | 1,934 |
| Credit loss provision to net charge-offs | 2,358.4906% | 229 |
| Earnings coverage of net charge-offs (x) | 96.5660% | 959 |
| Efficiency ratio | 84.3723% | 577 |
| Assets per employee ($millions) | 5.6101% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,633 |
| Loan loss allowance to noncurrent loans | 1,329.5380% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,099 |
| Noncurrent loans to loans | 0.0875% | 3,067 |
| Net loans and leases to total assets | 75.5300% | 1,101 |
| Net loans and leases to deposits | 85.5006% | 1,542 |
| Net loans and leases to core deposits | 85.6216% | 2,096 |
| Total domestic deposits to total assets | 88.3400% | 1,479 |
| Equity capital to assets | 7.5610% | 3,489 |
| Core capital (leverage) ratio | 10.5095% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,836,461,333 | 605 |
| Average earning assets | $1,704,158,667 | 599 |
| Average equity | $138,103,000 | 712 |
| Average total loans | $1,366,534,333 | 546 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,469 |
| Cost of funding earning assets | 0.6677% | 3,165 |
| Net interest margin | 3.3233% | 2,823 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.9795% | 1,092 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.4235% | 4,051 |
| Return on assets (ROA) | 0.4314% | 3,981 |
| Pretax return on assets | 0.5484% | 3,924 |
| Return on Equity (ROE) | 5.6300% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,863 |
| Net charge-offs to loans | 0.0162% | 1,367 |
| Credit loss provision to net charge-offs | 1,136.3636% | 333 |
| Earnings coverage of net charge-offs (x) | 56.7091% | 1,047 |
| Efficiency ratio | 81.5178% | 737 |
| Assets per employee ($millions) | 5.5812% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,414 |
| Loan loss allowance to noncurrent loans | 1,001.0631% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,043 |
| Noncurrent loans to loans | 0.1023% | 3,024 |
| Net loans and leases to total assets | 73.4500% | 1,272 |
| Net loans and leases to deposits | 84.2507% | 1,481 |
| Net loans and leases to core deposits | 84.3982% | 1,962 |
| Total domestic deposits to total assets | 87.1800% | 2,200 |
| Equity capital to assets | 7.8100% | 3,378 |
| Core capital (leverage) ratio | 10.5845% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,852,662,500 | 614 |
| Average earning assets | $1,716,258,500 | 604 |
| Average equity | $141,916,000 | 701 |
| Average total loans | $1,357,375,500 | 560 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 2,663 |
| Cost of funding earning assets | 0.1177% | 4,296 |
| Net interest margin | 3.5305% | 1,838 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.8693% | 1,174 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8459% | 3,172 |
| Return on assets (ROA) | 0.7277% | 3,485 |
| Pretax return on assets | 0.9281% | 3,276 |
| Return on Equity (ROE) | 9.2000% | 3,067 |
| Retained earnings to average equity (ytd only) | 9.2020% | 1,420 |
| Net charge-offs to loans | -0.0126% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1935% | 1,201 |
| Assets per employee ($millions) | 5.7176% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,282 |
| Loan loss allowance to noncurrent loans | 1,063.9717% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,105 |
| Noncurrent loans to loans | 0.0954% | 3,082 |
| Net loans and leases to total assets | 71.5900% | 1,462 |
| Net loans and leases to deposits | 80.5844% | 1,730 |
| Net loans and leases to core deposits | 80.7643% | 2,091 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 7.5093% | 3,381 |
| Core capital (leverage) ratio | 10.2743% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,826,255,000 | 599 |
| Average earning assets | $1,697,133,600 | 590 |
| Average equity | $144,413,800 | 699 |
| Average total loans | $1,262,116,400 | 553 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 2,599 |
| Cost of funding earning assets | 0.0705% | 4,476 |
| Net interest margin | 3.4335% | 1,855 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.8452% | 1,156 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.8262% | 3,152 |
| Return on assets (ROA) | 0.7857% | 3,265 |
| Pretax return on assets | 0.9920% | 3,038 |
| Return on Equity (ROE) | 9.8100% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.8109% | 1,401 |
| Net charge-offs to loans | -0.0173% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2514% | 1,147 |
| Assets per employee ($millions) | 5.8851% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,024.7166% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,190 |
| Noncurrent loans to loans | 0.1020% | 3,147 |
| Net loans and leases to total assets | 68.3700% | 1,631 |
| Net loans and leases to deposits | 75.6297% | 1,909 |
| Net loans and leases to core deposits | 75.8493% | 2,203 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 7.0224% | 3,507 |
| Core capital (leverage) ratio | 9.6296% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,821,121,000 | 604 |
| Average earning assets | $1,693,521,750 | 595 |
| Average equity | $145,847,000 | 700 |
| Average total loans | $1,243,742,500 | 555 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 2,371 |
| Cost of funding earning assets | 0.0726% | 4,443 |
| Net interest margin | 3.3480% | 1,767 |
| Noninterest income to average assets | 0.5873% | 1,792 |
| Noninterest expense to average assets | 2.8861% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6537% | 3,462 |
| Return on assets (ROA) | 0.5899% | 3,599 |
| Pretax return on assets | 0.7416% | 3,475 |
| Return on Equity (ROE) | 7.0636% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.0636% | 1,969 |
| Net charge-offs to loans | -0.0008% | 3,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7977% | 1,102 |
| Assets per employee ($millions) | 5.2534% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,799 |
| Loan loss allowance to noncurrent loans | 1,016.4393% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,163 |
| Noncurrent loans to loans | 0.1161% | 3,154 |
| Net loans and leases to total assets | 69.4798% | 1,346 |
| Net loans and leases to deposits | 76.0661% | 1,682 |
| Net loans and leases to core deposits | 76.2943% | 1,988 |
| Total domestic deposits to total assets | 91.3414% | 1,087 |
| Equity capital to assets | 7.6887% | 3,354 |
| Core capital (leverage) ratio | 9.6768% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,802,384,333 | 602 |
| Average earning assets | $1,679,675,000 | 597 |
| Average equity | $150,518,333 | 687 |
| Average total loans | $1,225,971,333 | 555 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 2,254 |
| Cost of funding earning assets | 0.0751% | 4,403 |
| Net interest margin | 3.2711% | 1,645 |
| Noninterest income to average assets | 0.5710% | 1,819 |
| Noninterest expense to average assets | 2.9126% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5726% | 3,486 |
| Return on assets (ROA) | 0.4824% | 3,720 |
| Pretax return on assets | 0.6060% | 3,616 |
| Return on Equity (ROE) | 5.5569% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.5569% | 2,395 |
| Net charge-offs to loans | -0.0017% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1574% | 1,142 |
| Assets per employee ($millions) | 5.6842% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,765 |
| Loan loss allowance to noncurrent loans | 928.9900% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,178 |
| Noncurrent loans to loans | 0.1311% | 3,156 |
| Net loans and leases to total assets | 67.7087% | 1,242 |
| Net loans and leases to deposits | 74.6406% | 1,551 |
| Net loans and leases to core deposits | 74.8944% | 1,861 |
| Total domestic deposits to total assets | 90.7129% | 1,174 |
| Equity capital to assets | 8.3022% | 3,319 |
| Core capital (leverage) ratio | 9.7254% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,805,241,500 | 599 |
| Average earning assets | $1,688,965,500 | 591 |
| Average equity | $156,707,000 | 690 |
| Average total loans | $1,207,345,000 | 558 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 2,840 |
| Cost of funding earning assets | 0.0801% | 4,529 |
| Net interest margin | 3.3535% | 2,151 |
| Noninterest income to average assets | 0.6675% | 1,876 |
| Noninterest expense to average assets | 2.7548% | 1,473 |
| Loan and lease loss provision to assets | -0.2914% | 4,770 |
| Net operating income to assets | 1.0706% | 2,412 |
| Return on assets (ROA) | 1.0625% | 2,513 |
| Pretax return on assets | 1.3398% | 2,240 |
| Return on Equity (ROE) | 11.5333% | 1,972 |
| Retained earnings to average equity (ytd only) | 11.5333% | 612 |
| Net charge-offs to loans | 0.0264% | 1,714 |
| Credit loss provision to net charge-offs | -1,602.5641% | 4,017 |
| Earnings coverage of net charge-offs (x) | 58.2179% | 1,198 |
| Efficiency ratio | 72.1901% | 1,493 |
| Assets per employee ($millions) | 5.6239% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,623 |
| Loan loss allowance to noncurrent loans | 784.8261% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 3,202 |
| Noncurrent loans to loans | 0.1593% | 3,139 |
| Net loans and leases to total assets | 64.5615% | 1,642 |
| Net loans and leases to deposits | 71.2238% | 1,990 |
| Net loans and leases to core deposits | 71.4730% | 2,305 |
| Total domestic deposits to total assets | 90.6460% | 647 |
| Equity capital to assets | 8.9248% | 3,703 |
| Core capital (leverage) ratio | 9.6016% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,715,778,400 | 610 |
| Average earning assets | $1,609,616,400 | 596 |
| Average equity | $158,064,000 | 683 |
| Average total loans | $1,182,075,800 | 566 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 2,968 |
| Cost of funding earning assets | 0.0820% | 4,624 |
| Net interest margin | 3.3654% | 2,250 |
| Noninterest income to average assets | 0.6769% | 1,903 |
| Noninterest expense to average assets | 2.6663% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9252% | 3,164 |
| Return on assets (ROA) | 0.9148% | 3,270 |
| Pretax return on assets | 1.1512% | 3,073 |
| Return on Equity (ROE) | 9.8474% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.8474% | 1,370 |
| Net charge-offs to loans | -0.0086% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5541% | 1,646 |
| Assets per employee ($millions) | 5.9073% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,131 |
| Loan loss allowance to noncurrent loans | 169.6270% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 1,163 |
| Noncurrent loans to loans | 0.9962% | 1,155 |
| Net loans and leases to total assets | 64.0272% | 1,774 |
| Net loans and leases to deposits | 70.5825% | 2,177 |
| Net loans and leases to core deposits | 70.8223% | 2,528 |
| Total domestic deposits to total assets | 90.7126% | 465 |
| Equity capital to assets | 8.7747% | 4,021 |
| Core capital (leverage) ratio | 9.5917% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,689,186,500 | 621 |
| Average earning assets | $1,582,969,000 | 609 |
| Average equity | $156,924,250 | 695 |
| Average total loans | $1,179,769,500 | 580 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 2,896 |
| Cost of funding earning assets | 0.0868% | 4,656 |
| Net interest margin | 3.4116% | 2,105 |
| Noninterest income to average assets | 0.6946% | 1,831 |
| Noninterest expense to average assets | 2.6846% | 1,630 |
| Loan and lease loss provision to assets | 0.1526% | 774 |
| Net operating income to assets | 0.8347% | 3,408 |
| Return on assets (ROA) | 0.8172% | 3,528 |
| Pretax return on assets | 1.0234% | 3,390 |
| Return on Equity (ROE) | 8.6168% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.6168% | 1,847 |
| Net charge-offs to loans | 0.0039% | 2,019 |
| Credit loss provision to net charge-offs | 5,434.7826% | 125 |
| Earnings coverage of net charge-offs (x) | 426.5652% | 301 |
| Efficiency ratio | 69.0936% | 1,746 |
| Assets per employee ($millions) | 5.5580% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 914 |
| Loan loss allowance to noncurrent loans | 235.6789% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 1,571 |
| Noncurrent loans to loans | 0.7553% | 1,591 |
| Net loans and leases to total assets | 68.6465% | 1,366 |
| Net loans and leases to deposits | 76.0417% | 1,816 |
| Net loans and leases to core deposits | 76.3190% | 2,207 |
| Total domestic deposits to total assets | 90.2749% | 656 |
| Equity capital to assets | 9.1776% | 3,627 |
| Core capital (leverage) ratio | 9.9745% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,637,884,333 | 631 |
| Average earning assets | $1,530,523,333 | 620 |
| Average equity | $155,324,000 | 694 |
| Average total loans | $1,172,904,667 | 587 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 2,586 |
| Cost of funding earning assets | 0.0962% | 4,675 |
| Net interest margin | 3.5220% | 1,769 |
| Noninterest income to average assets | 0.6113% | 2,161 |
| Noninterest expense to average assets | 2.6976% | 1,627 |
| Loan and lease loss provision to assets | 0.3134% | 286 |
| Net operating income to assets | 0.7106% | 3,683 |
| Return on assets (ROA) | 0.6767% | 3,830 |
| Pretax return on assets | 0.8440% | 3,734 |
| Return on Equity (ROE) | 7.0139% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.0139% | 2,573 |
| Net charge-offs to loans | 0.0017% | 1,866 |
| Credit loss provision to net charge-offs | 25,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 957.0000% | 99 |
| Efficiency ratio | 69.1650% | 1,797 |
| Assets per employee ($millions) | 5.5483% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 819 |
| Loan loss allowance to noncurrent loans | 969.8463% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,499 |
| Noncurrent loans to loans | 0.1893% | 3,426 |
| Net loans and leases to total assets | 69.8337% | 1,315 |
| Net loans and leases to deposits | 77.5904% | 1,755 |
| Net loans and leases to core deposits | 77.9325% | 2,192 |
| Total domestic deposits to total assets | 90.0029% | 818 |
| Equity capital to assets | 9.4090% | 3,284 |
| Core capital (leverage) ratio | 10.2944% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,595,342,500 | 641 |
| Average earning assets | $1,488,492,500 | 631 |
| Average equity | $153,922,500 | 695 |
| Average total loans | $1,157,260,500 | 587 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,211 |
| Cost of funding earning assets | 0.2008% | 4,585 |
| Net interest margin | 3.6308% | 2,040 |
| Noninterest income to average assets | 0.8118% | 1,497 |
| Noninterest expense to average assets | 2.9474% | 1,550 |
| Loan and lease loss provision to assets | 0.6930% | 238 |
| Net operating income to assets | 0.4159% | 4,214 |
| Return on assets (ROA) | 0.4246% | 4,277 |
| Pretax return on assets | 0.5452% | 4,189 |
| Return on Equity (ROE) | 4.0849% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.0849% | 2,771 |
| Net charge-offs to loans | -0.0261% | 4,494 |
| Credit loss provision to net charge-offs | -3,425.3425% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5507% | 1,876 |
| Assets per employee ($millions) | 5.1613% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 924 |
| Loan loss allowance to noncurrent loans | 849.0756% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,512 |
| Noncurrent loans to loans | 0.2076% | 3,456 |
| Net loans and leases to total assets | 72.7198% | 1,198 |
| Net loans and leases to deposits | 81.1728% | 1,746 |
| Net loans and leases to core deposits | 81.5544% | 2,224 |
| Total domestic deposits to total assets | 89.5864% | 735 |
| Equity capital to assets | 9.9020% | 3,216 |
| Core capital (leverage) ratio | 10.3465% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,443,391,000 | 636 |
| Average earning assets | $1,336,872,800 | 631 |
| Average equity | $150,016,000 | 675 |
| Average total loans | $1,119,543,800 | 574 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,281 |
| Cost of funding earning assets | 0.2301% | 4,568 |
| Net interest margin | 3.6600% | 2,063 |
| Noninterest income to average assets | 0.7944% | 1,517 |
| Noninterest expense to average assets | 2.9605% | 1,531 |
| Loan and lease loss provision to assets | 0.6117% | 404 |
| Net operating income to assets | 0.4772% | 4,094 |
| Return on assets (ROA) | 0.4731% | 4,181 |
| Pretax return on assets | 0.6016% | 4,096 |
| Return on Equity (ROE) | 4.4944% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.4944% | 2,802 |
| Net charge-offs to loans | -0.0155% | 4,346 |
| Credit loss provision to net charge-offs | -5,039.5349% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7921% | 1,774 |
| Assets per employee ($millions) | 5.2317% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,651 |
| Loan loss allowance to noncurrent loans | 579.4746% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 3,509 |
| Noncurrent loans to loans | 0.2451% | 3,425 |
| Net loans and leases to total assets | 74.1632% | 1,351 |
| Net loans and leases to deposits | 83.2354% | 1,992 |
| Net loans and leases to core deposits | 83.6295% | 2,514 |
| Total domestic deposits to total assets | 89.1005% | 727 |
| Equity capital to assets | 9.8198% | 3,408 |
| Core capital (leverage) ratio | 10.5886% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,417,141,750 | 634 |
| Average earning assets | $1,310,422,250 | 624 |
| Average equity | $149,189,500 | 667 |
| Average total loans | $1,112,881,750 | 572 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,317 |
| Cost of funding earning assets | 0.2761% | 4,550 |
| Net interest margin | 3.7253% | 2,075 |
| Noninterest income to average assets | 0.7809% | 1,487 |
| Noninterest expense to average assets | 3.0500% | 1,461 |
| Loan and lease loss provision to assets | 0.4369% | 887 |
| Net operating income to assets | 0.5884% | 3,777 |
| Return on assets (ROA) | 0.5607% | 3,936 |
| Pretax return on assets | 0.6979% | 3,877 |
| Return on Equity (ROE) | 5.1946% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.1946% | 2,389 |
| Net charge-offs to loans | -0.0057% | 4,046 |
| Credit loss provision to net charge-offs | -9,677.4194% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2293% | 1,648 |
| Assets per employee ($millions) | 5.0912% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,996 |
| Loan loss allowance to noncurrent loans | 403.6483% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,455 |
| Noncurrent loans to loans | 0.2751% | 3,399 |
| Net loans and leases to total assets | 78.6086% | 768 |
| Net loans and leases to deposits | 89.2769% | 1,418 |
| Net loans and leases to core deposits | 89.6687% | 2,097 |
| Total domestic deposits to total assets | 88.0503% | 1,148 |
| Equity capital to assets | 10.2866% | 2,939 |
| Core capital (leverage) ratio | 11.0140% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,373,328,667 | 639 |
| Average earning assets | $1,267,603,667 | 635 |
| Average equity | $148,230,333 | 665 |
| Average total loans | $1,095,502,000 | 574 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,503 |
| Cost of funding earning assets | 0.3833% | 4,415 |
| Net interest margin | 3.7251% | 2,238 |
| Noninterest income to average assets | 0.8022% | 1,306 |
| Noninterest expense to average assets | 3.3080% | 1,211 |
| Loan and lease loss provision to assets | 0.1130% | 2,271 |
| Net operating income to assets | 0.6525% | 3,442 |
| Return on assets (ROA) | 0.5131% | 3,920 |
| Pretax return on assets | 0.6406% | 3,838 |
| Return on Equity (ROE) | 4.6335% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.6335% | 2,443 |
| Net charge-offs to loans | -0.0091% | 4,040 |
| Credit loss provision to net charge-offs | -1,562.5000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0372% | 1,328 |
| Assets per employee ($millions) | 4.4242% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,845 |
| Loan loss allowance to noncurrent loans | 249.6490% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,196 |
| Noncurrent loans to loans | 0.3884% | 3,095 |
| Net loans and leases to total assets | 79.3578% | 773 |
| Net loans and leases to deposits | 92.8643% | 1,196 |
| Net loans and leases to core deposits | 93.3046% | 2,034 |
| Total domestic deposits to total assets | 85.4557% | 2,227 |
| Equity capital to assets | 11.1504% | 2,722 |
| Core capital (leverage) ratio | 12.0015% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,326,863,000 | 632 |
| Average earning assets | $1,223,057,500 | 622 |
| Average equity | $146,931,000 | 670 |
| Average total loans | $1,060,477,000 | 565 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 3,296 |
| Cost of funding earning assets | 0.4893% | 4,136 |
| Net interest margin | 3.8943% | 2,196 |
| Noninterest income to average assets | 0.7962% | 1,464 |
| Noninterest expense to average assets | 3.3356% | 1,235 |
| Loan and lease loss provision to assets | 0.0782% | 2,431 |
| Net operating income to assets | 0.7665% | 3,654 |
| Return on assets (ROA) | 0.8075% | 3,619 |
| Pretax return on assets | 1.0111% | 3,437 |
| Return on Equity (ROE) | 7.4365% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.4365% | 1,193 |
| Net charge-offs to loans | 0.0390% | 2,603 |
| Credit loss provision to net charge-offs | 248.1390% | 1,096 |
| Earnings coverage of net charge-offs (x) | 32.9305% | 1,485 |
| Efficiency ratio | 76.2421% | 1,335 |
| Assets per employee ($millions) | 4.4521% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,796 |
| Loan loss allowance to noncurrent loans | 248.4089% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 3,230 |
| Noncurrent loans to loans | 0.3775% | 3,087 |
| Net loans and leases to total assets | 78.9499% | 941 |
| Net loans and leases to deposits | 91.4782% | 1,429 |
| Net loans and leases to core deposits | 92.7232% | 2,184 |
| Total domestic deposits to total assets | 86.3046% | 1,930 |
| Equity capital to assets | 10.9571% | 3,048 |
| Core capital (leverage) ratio | 11.7434% | 1,927 |
| Tier 1 risk-based capital ratio | 14.7202% | 2,894 |
| Total risk-based capital ratio | 15.6963% | 2,942 |
| Memoranda: | ||
| Average total assets | $1,278,408,200 | 622 |
| Average earning assets | $1,174,404,600 | 619 |
| Average equity | $138,815,000 | 671 |
| Average total loans | $1,033,795,400 | 554 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 3,341 |
| Cost of funding earning assets | 0.4927% | 4,172 |
| Net interest margin | 3.9125% | 2,209 |
| Noninterest income to average assets | 0.7634% | 1,546 |
| Noninterest expense to average assets | 3.3767% | 1,129 |
| Loan and lease loss provision to assets | 0.1000% | 1,920 |
| Net operating income to assets | 0.7002% | 4,014 |
| Return on assets (ROA) | 0.7631% | 3,868 |
| Pretax return on assets | 0.9548% | 3,723 |
| Return on Equity (ROE) | 7.0448% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.0448% | 1,840 |
| Net charge-offs to loans | 0.0541% | 2,062 |
| Credit loss provision to net charge-offs | 227.8177% | 1,182 |
| Earnings coverage of net charge-offs (x) | 22.2325% | 1,878 |
| Efficiency ratio | 77.5628% | 1,148 |
| Assets per employee ($millions) | 4.6722% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 3,901 |
| Loan loss allowance to noncurrent loans | 272.4758% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,455 |
| Noncurrent loans to loans | 0.3430% | 3,306 |
| Net loans and leases to total assets | 79.2385% | 955 |
| Net loans and leases to deposits | 90.4185% | 1,643 |
| Net loans and leases to core deposits | 92.5019% | 2,320 |
| Total domestic deposits to total assets | 87.6353% | 1,201 |
| Equity capital to assets | 10.7603% | 3,325 |
| Core capital (leverage) ratio | 11.6804% | 2,096 |
| Tier 1 risk-based capital ratio | 14.4417% | 3,109 |
| Total risk-based capital ratio | 15.4127% | 3,152 |
| Memoranda: | ||
| Average total assets | $1,266,331,250 | 628 |
| Average earning assets | $1,161,759,500 | 624 |
| Average equity | $137,176,500 | 674 |
| Average total loans | $1,027,905,500 | 559 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 3,293 |
| Cost of funding earning assets | 0.4811% | 4,201 |
| Net interest margin | 3.9346% | 2,138 |
| Noninterest income to average assets | 0.7789% | 1,412 |
| Noninterest expense to average assets | 3.4454% | 1,032 |
| Loan and lease loss provision to assets | 0.1041% | 1,801 |
| Net operating income to assets | 0.6632% | 4,120 |
| Return on assets (ROA) | 0.7308% | 3,954 |
| Pretax return on assets | 0.9247% | 3,777 |
| Return on Equity (ROE) | 6.7308% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.7308% | 1,934 |
| Net charge-offs to loans | 0.0859% | 1,506 |
| Credit loss provision to net charge-offs | 148.4018% | 1,511 |
| Earnings coverage of net charge-offs (x) | 13.4498% | 2,100 |
| Efficiency ratio | 78.5094% | 1,091 |
| Assets per employee ($millions) | 4.2239% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,026 |
| Loan loss allowance to noncurrent loans | 335.0563% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 3,675 |
| Noncurrent loans to loans | 0.2735% | 3,552 |
| Net loans and leases to total assets | 81.5851% | 663 |
| Net loans and leases to deposits | 92.5848% | 1,428 |
| Net loans and leases to core deposits | 95.7385% | 2,097 |
| Total domestic deposits to total assets | 88.1193% | 1,047 |
| Equity capital to assets | 10.9889% | 3,070 |
| Core capital (leverage) ratio | 11.8082% | 1,940 |
| Tier 1 risk-based capital ratio | 14.3767% | 3,131 |
| Total risk-based capital ratio | 15.3262% | 3,200 |
| Memoranda: | ||
| Average total assets | $1,249,257,670 | 635 |
| Average earning assets | $1,146,091,670 | 634 |
| Average equity | $135,644,330 | 677 |
| Average total loans | $1,019,254,330 | 560 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 3,374 |
| Cost of funding earning assets | 0.4337% | 4,353 |
| Net interest margin | 3.9268% | 2,107 |
| Noninterest income to average assets | 0.7820% | 1,333 |
| Noninterest expense to average assets | 3.5100% | 958 |
| Loan and lease loss provision to assets | 0.1127% | 1,580 |
| Net operating income to assets | 0.6529% | 4,079 |
| Return on assets (ROA) | 0.7894% | 3,709 |
| Pretax return on assets | 0.9208% | 3,697 |
| Return on Equity (ROE) | 7.3154% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.3154% | 1,918 |
| Net charge-offs to loans | 0.2038% | 685 |
| Credit loss provision to net charge-offs | 68.0934% | 1,866 |
| Earnings coverage of net charge-offs (x) | 5.2860% | 2,266 |
| Efficiency ratio | 80.0499% | 1,061 |
| Assets per employee ($millions) | 4.1148% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,141 |
| Loan loss allowance to noncurrent loans | 262.3388% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 3,469 |
| Noncurrent loans to loans | 0.3444% | 3,343 |
| Net loans and leases to total assets | 81.3371% | 667 |
| Net loans and leases to deposits | 95.8096% | 988 |
| Net loans and leases to core deposits | 96.4209% | 1,900 |
| Total domestic deposits to total assets | 84.8945% | 2,721 |
| Equity capital to assets | 10.9854% | 2,868 |
| Core capital (leverage) ratio | 11.8321% | 1,878 |
| Tier 1 risk-based capital ratio | 14.4398% | 3,123 |
| Total risk-based capital ratio | 15.3711% | 3,204 |
| Memoranda: | ||
| Average total assets | $1,242,408,500 | 647 |
| Average earning assets | $1,139,845,000 | 643 |
| Average equity | $134,074,000 | 682 |
| Average total loans | $1,008,925,000 | 568 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 3,189 |
| Cost of funding earning assets | 0.2684% | 4,718 |
| Net interest margin | 4.0075% | 1,963 |
| Noninterest income to average assets | 0.7616% | 1,599 |
| Noninterest expense to average assets | 3.2911% | 1,343 |
| Loan and lease loss provision to assets | 0.1154% | 1,911 |
| Net operating income to assets | 0.8770% | 3,512 |
| Return on assets (ROA) | 0.8777% | 3,500 |
| Pretax return on assets | 1.0168% | 3,550 |
| Return on Equity (ROE) | 8.1685% | 3,367 |
| Retained earnings to average equity (ytd only) | 8.1685% | 1,163 |
| Net charge-offs to loans | 0.0245% | 2,916 |
| Credit loss provision to net charge-offs | 582.2785% | 607 |
| Earnings coverage of net charge-offs (x) | 57.0928% | 1,054 |
| Efficiency ratio | 74.4162% | 1,571 |
| Assets per employee ($millions) | 4.2530% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,056 |
| Loan loss allowance to noncurrent loans | 245.3133% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 3,357 |
| Noncurrent loans to loans | 0.3780% | 3,180 |
| Net loans and leases to total assets | 79.6018% | 998 |
| Net loans and leases to deposits | 94.0243% | 1,277 |
| Net loans and leases to core deposits | 94.6482% | 2,173 |
| Total domestic deposits to total assets | 84.6609% | 2,782 |
| Equity capital to assets | 10.5999% | 3,078 |
| Core capital (leverage) ratio | 11.7489% | 1,918 |
| Tier 1 risk-based capital ratio | 14.2335% | 3,190 |
| Total risk-based capital ratio | 15.1834% | 3,243 |
| Memoranda: | ||
| Average total assets | $1,195,879,800 | 640 |
| Average earning assets | $1,092,475,400 | 650 |
| Average equity | $128,493,000 | 674 |
| Average total loans | $968,228,800 | 573 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 3,159 |
| Cost of funding earning assets | 0.2617% | 4,720 |
| Net interest margin | 3.9849% | 1,998 |
| Noninterest income to average assets | 0.7761% | 1,553 |
| Noninterest expense to average assets | 3.3289% | 1,239 |
| Loan and lease loss provision to assets | 0.0959% | 2,063 |
| Net operating income to assets | 0.8350% | 3,798 |
| Return on assets (ROA) | 0.8340% | 3,809 |
| Pretax return on assets | 0.9858% | 3,763 |
| Return on Equity (ROE) | 7.7343% | 3,650 |
| Retained earnings to average equity (ytd only) | 7.7343% | 1,777 |
| Net charge-offs to loans | 0.0142% | 2,919 |
| Credit loss provision to net charge-offs | 833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 94.1349% | 791 |
| Efficiency ratio | 75.4550% | 1,414 |
| Assets per employee ($millions) | 4.2143% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,232 |
| Loan loss allowance to noncurrent loans | 295.6262% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 3,722 |
| Noncurrent loans to loans | 0.3071% | 3,576 |
| Net loans and leases to total assets | 79.6841% | 1,066 |
| Net loans and leases to deposits | 89.9716% | 1,901 |
| Net loans and leases to core deposits | 90.6544% | 2,599 |
| Total domestic deposits to total assets | 88.5659% | 1,018 |
| Equity capital to assets | 10.6849% | 2,950 |
| Core capital (leverage) ratio | 11.7015% | 2,009 |
| Tier 1 risk-based capital ratio | 14.3999% | 3,172 |
| Total risk-based capital ratio | 15.3149% | 3,246 |
| Memoranda: | ||
| Average total assets | $1,182,256,000 | 644 |
| Average earning assets | $1,078,643,000 | 651 |
| Average equity | $127,481,500 | 674 |
| Average total loans | $959,126,500 | 576 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 3,121 |
| Cost of funding earning assets | 0.2590% | 4,706 |
| Net interest margin | 3.9376% | 2,077 |
| Noninterest income to average assets | 0.7816% | 1,533 |
| Noninterest expense to average assets | 3.3654% | 1,191 |
| Loan and lease loss provision to assets | 0.1027% | 1,891 |
| Net operating income to assets | 0.8017% | 3,849 |
| Return on assets (ROA) | 0.8000% | 3,854 |
| Pretax return on assets | 0.9042% | 3,950 |
| Return on Equity (ROE) | 7.3960% | 3,767 |
| Retained earnings to average equity (ytd only) | 7.3960% | 1,887 |
| Net charge-offs to loans | 0.0273% | 2,308 |
| Credit loss provision to net charge-offs | 461.5385% | 740 |
| Earnings coverage of net charge-offs (x) | 45.3538% | 1,206 |
| Efficiency ratio | 76.9381% | 1,323 |
| Assets per employee ($millions) | 4.2526% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,395 |
| Loan loss allowance to noncurrent loans | 245.2199% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 3,579 |
| Noncurrent loans to loans | 0.3620% | 3,399 |
| Net loans and leases to total assets | 81.0572% | 847 |
| Net loans and leases to deposits | 94.4259% | 1,309 |
| Net loans and leases to core deposits | 95.2086% | 2,134 |
| Total domestic deposits to total assets | 85.8422% | 2,348 |
| Equity capital to assets | 10.7874% | 2,845 |
| Core capital (leverage) ratio | 11.6518% | 1,942 |
| Tier 1 risk-based capital ratio | 14.2509% | 3,233 |
| Total risk-based capital ratio | 15.1807% | 3,316 |
| Memoranda: | ||
| Average total assets | $1,168,955,670 | 658 |
| Average earning assets | $1,066,527,000 | 659 |
| Average equity | $126,446,670 | 677 |
| Average total loans | $951,239,670 | 585 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 3,150 |
| Cost of funding earning assets | 0.2155% | 4,926 |
| Net interest margin | 3.9088% | 2,015 |
| Noninterest income to average assets | 0.7796% | 1,519 |
| Noninterest expense to average assets | 3.4647% | 1,056 |
| Loan and lease loss provision to assets | 0.1036% | 1,791 |
| Net operating income to assets | 0.7692% | 3,834 |
| Return on assets (ROA) | 0.7654% | 3,851 |
| Pretax return on assets | 0.7723% | 4,217 |
| Return on Equity (ROE) | 7.0660% | 3,763 |
| Retained earnings to average equity (ytd only) | 7.0660% | 2,252 |
| Net charge-offs to loans | 0.0289% | 1,919 |
| Credit loss provision to net charge-offs | 441.1765% | 648 |
| Earnings coverage of net charge-offs (x) | 37.4559% | 1,104 |
| Efficiency ratio | 79.7504% | 1,168 |
| Assets per employee ($millions) | 4.1400% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,512 |
| Loan loss allowance to noncurrent loans | 221.2688% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,532 |
| Noncurrent loans to loans | 0.3998% | 3,348 |
| Net loans and leases to total assets | 80.6665% | 839 |
| Net loans and leases to deposits | 92.2934% | 1,420 |
| Net loans and leases to core deposits | 93.8174% | 2,153 |
| Total domestic deposits to total assets | 87.4023% | 1,953 |
| Equity capital to assets | 10.8100% | 2,763 |
| Core capital (leverage) ratio | 11.7702% | 1,800 |
| Tier 1 risk-based capital ratio | 14.2073% | 3,278 |
| Total risk-based capital ratio | 15.1261% | 3,363 |
| Memoranda: | ||
| Average total assets | $1,158,069,000 | 663 |
| Average earning assets | $1,056,175,000 | 666 |
| Average equity | $125,445,500 | 682 |
| Average total loans | $939,951,500 | 593 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 2,918 |
| Cost of funding earning assets | 0.1822% | 5,076 |
| Net interest margin | 3.9559% | 1,898 |
| Noninterest income to average assets | 0.8972% | 1,279 |
| Noninterest expense to average assets | 3.4047% | 1,187 |
| Loan and lease loss provision to assets | 0.0707% | 2,790 |
| Net operating income to assets | 0.6820% | 3,672 |
| Return on assets (ROA) | 0.6811% | 3,729 |
| Pretax return on assets | 1.0391% | 3,420 |
| Return on Equity (ROE) | 6.4562% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.4562% | 1,298 |
| Net charge-offs to loans | -0.0022% | 4,538 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8660% | 1,782 |
| Assets per employee ($millions) | 3.9203% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,561 |
| Loan loss allowance to noncurrent loans | 200.2450% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,447 |
| Noncurrent loans to loans | 0.4391% | 3,208 |
| Net loans and leases to total assets | 80.2290% | 928 |
| Net loans and leases to deposits | 93.1350% | 1,374 |
| Net loans and leases to core deposits | 94.7251% | 2,132 |
| Total domestic deposits to total assets | 86.1427% | 2,374 |
| Equity capital to assets | 10.8550% | 2,776 |
| Core capital (leverage) ratio | 11.7794% | 1,745 |
| Tier 1 risk-based capital ratio | 14.5368% | 3,072 |
| Total risk-based capital ratio | 15.4576% | 3,142 |
| Memoranda: | ||
| Average total assets | $1,131,691,600 | 651 |
| Average earning assets | $1,035,228,200 | 655 |
| Average equity | $119,389,600 | 690 |
| Average total loans | $907,161,400 | 585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 2,904 |
| Cost of funding earning assets | 0.1879% | 5,070 |
| Net interest margin | 3.9357% | 1,911 |
| Noninterest income to average assets | 0.9365% | 1,175 |
| Noninterest expense to average assets | 3.3890% | 1,176 |
| Loan and lease loss provision to assets | 0.0769% | 2,538 |
| Net operating income to assets | 0.7571% | 3,708 |
| Return on assets (ROA) | 0.7558% | 3,774 |
| Pretax return on assets | 1.0719% | 3,415 |
| Return on Equity (ROE) | 7.2173% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.2173% | 1,582 |
| Net charge-offs to loans | 0.0028% | 3,650 |
| Credit loss provision to net charge-offs | 3,421.0526% | 132 |
| Earnings coverage of net charge-offs (x) | 512.1599% | 200 |
| Efficiency ratio | 74.1456% | 1,873 |
| Assets per employee ($millions) | 4.0323% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 4,689 |
| Loan loss allowance to noncurrent loans | 237.0843% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 3,894 |
| Noncurrent loans to loans | 0.3672% | 3,635 |
| Net loans and leases to total assets | 78.8326% | 1,145 |
| Net loans and leases to deposits | 88.7855% | 1,956 |
| Net loans and leases to core deposits | 90.1833% | 2,595 |
| Total domestic deposits to total assets | 88.7899% | 981 |
| Equity capital to assets | 10.5713% | 3,290 |
| Core capital (leverage) ratio | 11.4696% | 2,041 |
| Tier 1 risk-based capital ratio | 14.4465% | 3,213 |
| Total risk-based capital ratio | 15.3676% | 3,300 |
| Memoranda: | ||
| Average total assets | $1,127,451,000 | 660 |
| Average earning assets | $1,032,200,500 | 660 |
| Average equity | $118,065,500 | 698 |
| Average total loans | $901,519,750 | 591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 2,825 |
| Cost of funding earning assets | 0.1971% | 5,013 |
| Net interest margin | 3.9043% | 1,913 |
| Noninterest income to average assets | 0.9613% | 1,111 |
| Noninterest expense to average assets | 3.5177% | 986 |
| Loan and lease loss provision to assets | 0.0536% | 2,902 |
| Net operating income to assets | 0.6617% | 4,021 |
| Return on assets (ROA) | 0.6601% | 4,086 |
| Pretax return on assets | 0.9578% | 3,733 |
| Return on Equity (ROE) | 6.3246% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.3246% | 1,952 |
| Net charge-offs to loans | 0.0205% | 2,823 |
| Credit loss provision to net charge-offs | 326.0870% | 906 |
| Earnings coverage of net charge-offs (x) | 61.6413% | 934 |
| Efficiency ratio | 77.1045% | 1,572 |
| Assets per employee ($millions) | 4.0830% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,887 |
| Loan loss allowance to noncurrent loans | 205.8247% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,803 |
| Noncurrent loans to loans | 0.3997% | 3,596 |
| Net loans and leases to total assets | 79.7424% | 992 |
| Net loans and leases to deposits | 93.2292% | 1,340 |
| Net loans and leases to core deposits | 94.6176% | 2,100 |
| Total domestic deposits to total assets | 85.5337% | 2,599 |
| Equity capital to assets | 10.4478% | 3,406 |
| Core capital (leverage) ratio | 11.3164% | 2,113 |
| Tier 1 risk-based capital ratio | 14.1482% | 3,344 |
| Total risk-based capital ratio | 15.0239% | 3,468 |
| Memoranda: | ||
| Average total assets | $1,118,851,330 | 666 |
| Average earning assets | $1,023,078,330 | 668 |
| Average equity | $116,783,000 | 707 |
| Average total loans | $896,319,000 | 595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 2,743 |
| Cost of funding earning assets | 0.1865% | 5,097 |
| Net interest margin | 3.8897% | 1,818 |
| Noninterest income to average assets | 1.0016% | 1,002 |
| Noninterest expense to average assets | 3.5754% | 928 |
| Loan and lease loss provision to assets | 0.0542% | 2,719 |
| Net operating income to assets | 0.6246% | 4,044 |
| Return on assets (ROA) | 0.6246% | 4,096 |
| Pretax return on assets | 0.9296% | 3,661 |
| Return on Equity (ROE) | 5.9869% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.9869% | 2,344 |
| Net charge-offs to loans | 0.0258% | 2,242 |
| Credit loss provision to net charge-offs | 263.1579% | 857 |
| Earnings coverage of net charge-offs (x) | 47.7544% | 930 |
| Efficiency ratio | 77.8976% | 1,644 |
| Assets per employee ($millions) | 4.0806% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,994 |
| Loan loss allowance to noncurrent loans | 175.7612% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,690 |
| Noncurrent loans to loans | 0.4703% | 3,405 |
| Net loans and leases to total assets | 79.6139% | 885 |
| Net loans and leases to deposits | 93.0842% | 1,210 |
| Net loans and leases to core deposits | 94.4240% | 1,944 |
| Total domestic deposits to total assets | 85.5290% | 2,876 |
| Equity capital to assets | 10.3924% | 3,302 |
| Core capital (leverage) ratio | 11.2512% | 2,148 |
| Tier 1 risk-based capital ratio | 13.6942% | 3,664 |
| Total risk-based capital ratio | 14.5433% | 3,813 |
| Memoranda: | ||
| Average total assets | $1,106,660,000 | 678 |
| Average earning assets | $1,012,208,500 | 681 |
| Average equity | $115,453,000 | 715 |
| Average total loans | $884,876,500 | 604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,825 |
| Cost of funding earning assets | 0.1612% | 5,349 |
| Net interest margin | 3.9447% | 1,806 |
| Noninterest income to average assets | 0.8651% | 1,521 |
| Noninterest expense to average assets | 3.5543% | 1,076 |
| Loan and lease loss provision to assets | 0.0382% | 3,611 |
| Net operating income to assets | 0.6520% | 3,988 |
| Return on assets (ROA) | 0.6880% | 3,947 |
| Pretax return on assets | 0.9433% | 3,678 |
| Return on Equity (ROE) | 6.3865% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.3865% | 1,505 |
| Net charge-offs to loans | 0.0055% | 4,062 |
| Credit loss provision to net charge-offs | 869.5652% | 430 |
| Earnings coverage of net charge-offs (x) | 212.2174% | 328 |
| Efficiency ratio | 78.7516% | 1,582 |
| Assets per employee ($millions) | 3.9823% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 4,967 |
| Loan loss allowance to noncurrent loans | 139.4652% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 3,332 |
| Noncurrent loans to loans | 0.6069% | 3,029 |
| Net loans and leases to total assets | 78.9578% | 1,048 |
| Net loans and leases to deposits | 89.0511% | 1,798 |
| Net loans and leases to core deposits | 90.3035% | 2,477 |
| Total domestic deposits to total assets | 88.6658% | 1,288 |
| Equity capital to assets | 10.4738% | 3,185 |
| Core capital (leverage) ratio | 11.2030% | 2,167 |
| Tier 1 risk-based capital ratio | 13.8311% | 3,559 |
| Total risk-based capital ratio | 14.6928% | 3,703 |
| Memoranda: | ||
| Average total assets | $1,047,325,400 | 686 |
| Average earning assets | $961,471,600 | 685 |
| Average equity | $112,832,000 | 710 |
| Average total loans | $831,773,000 | 611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 2,796 |
| Cost of funding earning assets | 0.1605% | 5,409 |
| Net interest margin | 3.9609% | 1,777 |
| Noninterest income to average assets | 0.9125% | 1,366 |
| Noninterest expense to average assets | 3.4822% | 1,182 |
| Loan and lease loss provision to assets | 0.0386% | 3,467 |
| Net operating income to assets | 0.6979% | 3,859 |
| Return on assets (ROA) | 0.7342% | 3,809 |
| Pretax return on assets | 1.0857% | 3,291 |
| Return on Equity (ROE) | 6.7656% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.7656% | 1,748 |
| Net charge-offs to loans | 0.0110% | 3,546 |
| Credit loss provision to net charge-offs | 441.1765% | 783 |
| Earnings coverage of net charge-offs (x) | 122.4177% | 567 |
| Efficiency ratio | 76.4262% | 1,915 |
| Assets per employee ($millions) | 4.3035% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,974 |
| Loan loss allowance to noncurrent loans | 134.6240% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 3,501 |
| Noncurrent loans to loans | 0.6447% | 3,091 |
| Net loans and leases to total assets | 74.3938% | 1,807 |
| Net loans and leases to deposits | 83.9880% | 2,483 |
| Net loans and leases to core deposits | 85.1342% | 3,028 |
| Total domestic deposits to total assets | 88.5768% | 1,118 |
| Equity capital to assets | 10.3974% | 3,680 |
| Core capital (leverage) ratio | 11.3597% | 2,147 |
| Tier 1 risk-based capital ratio | 14.0880% | 3,512 |
| Total risk-based capital ratio | 14.9595% | 3,650 |
| Memoranda: | ||
| Average total assets | $1,036,370,000 | 695 |
| Average earning assets | $952,554,500 | 695 |
| Average equity | $112,468,750 | 713 |
| Average total loans | $822,491,250 | 615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,520 |
| Cost of funding earning assets | 0.1631% | 5,468 |
| Net interest margin | 4.0333% | 1,539 |
| Noninterest income to average assets | 0.9514% | 1,236 |
| Noninterest expense to average assets | 3.5688% | 1,050 |
| Loan and lease loss provision to assets | 0.0395% | 3,364 |
| Net operating income to assets | 0.7150% | 3,720 |
| Return on assets (ROA) | 0.7401% | 3,764 |
| Pretax return on assets | 1.0969% | 3,206 |
| Return on Equity (ROE) | 6.7171% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,758 |
| Net charge-offs to loans | 0.0335% | 2,782 |
| Credit loss provision to net charge-offs | 145.9854% | 1,626 |
| Earnings coverage of net charge-offs (x) | 40.5766% | 1,148 |
| Efficiency ratio | 76.4018% | 2,027 |
| Assets per employee ($millions) | 3.9029% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 5,141 |
| Loan loss allowance to noncurrent loans | 155.6756% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 3,762 |
| Noncurrent loans to loans | 0.5437% | 3,439 |
| Net loans and leases to total assets | 79.7037% | 952 |
| Net loans and leases to deposits | 90.6182% | 1,684 |
| Net loans and leases to core deposits | 91.9116% | 2,361 |
| Total domestic deposits to total assets | 87.9555% | 1,458 |
| Equity capital to assets | 10.9592% | 3,103 |
| Core capital (leverage) ratio | 11.8315% | 1,741 |
| Tier 1 risk-based capital ratio | 13.8769% | 3,680 |
| Total risk-based capital ratio | 14.7320% | 3,829 |
| Memoranda: | ||
| Average total assets | $1,011,724,670 | 712 |
| Average earning assets | $932,189,000 | 709 |
| Average equity | $111,477,330 | 724 |
| Average total loans | $818,911,330 | 614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,785 |
| Cost of funding earning assets | 0.1638% | 5,520 |
| Net interest margin | 3.9541% | 1,772 |
| Noninterest income to average assets | 0.9314% | 1,227 |
| Noninterest expense to average assets | 3.6254% | 988 |
| Loan and lease loss provision to assets | 0.0401% | 3,114 |
| Net operating income to assets | 0.6265% | 4,075 |
| Return on assets (ROA) | 0.6782% | 3,950 |
| Pretax return on assets | 0.9979% | 3,488 |
| Return on Equity (ROE) | 6.1381% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.1381% | 2,310 |
| Net charge-offs to loans | 0.0607% | 1,896 |
| Credit loss provision to net charge-offs | 81.3008% | 1,829 |
| Earnings coverage of net charge-offs (x) | 19.5203% | 1,500 |
| Efficiency ratio | 78.9800% | 1,751 |
| Assets per employee ($millions) | 3.7198% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 5,189 |
| Loan loss allowance to noncurrent loans | 135.1346% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 3,574 |
| Noncurrent loans to loans | 0.6360% | 3,263 |
| Net loans and leases to total assets | 79.2586% | 918 |
| Net loans and leases to deposits | 89.9866% | 1,580 |
| Net loans and leases to core deposits | 91.2058% | 2,255 |
| Total domestic deposits to total assets | 88.0782% | 1,602 |
| Equity capital to assets | 10.9720% | 2,973 |
| Core capital (leverage) ratio | 11.9165% | 1,666 |
| Tier 1 risk-based capital ratio | 14.2573% | 3,530 |
| Total risk-based capital ratio | 15.1412% | 3,697 |
| Memoranda: | ||
| Average total assets | $998,498,500 | 726 |
| Average earning assets | $923,186,000 | 714 |
| Average equity | $110,328,000 | 731 |
| Average total loans | $811,102,500 | 614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 2,321 |
| Cost of funding earning assets | 0.1731% | 5,513 |
| Net interest margin | 4.0948% | 1,422 |
| Noninterest income to average assets | 1.0091% | 1,160 |
| Noninterest expense to average assets | 3.8233% | 841 |
| Loan and lease loss provision to assets | -0.0452% | 5,731 |
| Net operating income to assets | 0.7203% | 3,710 |
| Return on assets (ROA) | 0.7425% | 3,708 |
| Pretax return on assets | 1.0384% | 3,316 |
| Return on Equity (ROE) | 6.7252% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.7252% | 1,421 |
| Net charge-offs to loans | -0.0405% | 5,494 |
| Credit loss provision to net charge-offs | 134.5679% | 1,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3912% | 1,762 |
| Assets per employee ($millions) | 3.3962% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 5,219 |
| Loan loss allowance to noncurrent loans | 117.2333% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 3,246 |
| Noncurrent loans to loans | 0.7368% | 2,967 |
| Net loans and leases to total assets | 81.8502% | 610 |
| Net loans and leases to deposits | 93.2576% | 1,281 |
| Net loans and leases to core deposits | 94.5661% | 1,995 |
| Total domestic deposits to total assets | 87.7679% | 1,764 |
| Equity capital to assets | 11.1294% | 2,701 |
| Core capital (leverage) ratio | 11.6419% | 1,860 |
| Tier 1 risk-based capital ratio | 14.0228% | 3,703 |
| Total risk-based capital ratio | 14.9074% | 3,843 |
| Memoranda: | ||
| Average total assets | $963,833,000 | 719 |
| Average earning assets | $888,939,200 | 712 |
| Average equity | $106,406,200 | 727 |
| Average total loans | $799,271,800 | 585 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 2,452 |
| Cost of funding earning assets | 0.1743% | 5,595 |
| Net interest margin | 4.0635% | 1,519 |
| Noninterest income to average assets | 1.0359% | 1,111 |
| Noninterest expense to average assets | 3.7805% | 873 |
| Loan and lease loss provision to assets | 0.0371% | 3,469 |
| Net operating income to assets | 0.6725% | 4,021 |
| Return on assets (ROA) | 0.7012% | 4,008 |
| Pretax return on assets | 1.0046% | 3,596 |
| Return on Equity (ROE) | 6.3651% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.3651% | 2,035 |
| Net charge-offs to loans | -0.0636% | 5,628 |
| Credit loss provision to net charge-offs | -70.2632% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0147% | 1,801 |
| Assets per employee ($millions) | 3.4767% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,982 |
| Loan loss allowance to noncurrent loans | 152.5860% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 3,807 |
| Noncurrent loans to loans | 0.6229% | 3,452 |
| Net loans and leases to total assets | 80.4771% | 752 |
| Net loans and leases to deposits | 91.3013% | 1,487 |
| Net loans and leases to core deposits | 92.5170% | 2,216 |
| Total domestic deposits to total assets | 88.1445% | 1,480 |
| Equity capital to assets | 10.7887% | 3,253 |
| Core capital (leverage) ratio | 11.7137% | 1,875 |
| Tier 1 risk-based capital ratio | 13.7190% | 4,011 |
| Total risk-based capital ratio | 14.6919% | 4,094 |
| Memoranda: | ||
| Average total assets | $959,419,000 | 727 |
| Average earning assets | $884,302,750 | 721 |
| Average equity | $105,699,250 | 738 |
| Average total loans | $796,502,000 | 592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,371 |
| Cost of funding earning assets | 0.1800% | 5,611 |
| Net interest margin | 4.0650% | 1,461 |
| Noninterest income to average assets | 1.0480% | 1,081 |
| Noninterest expense to average assets | 3.8375% | 829 |
| Loan and lease loss provision to assets | 0.0424% | 3,261 |
| Net operating income to assets | 0.6462% | 4,138 |
| Return on assets (ROA) | 0.6462% | 4,247 |
| Pretax return on assets | 0.9086% | 3,925 |
| Return on Equity (ROE) | 5.8226% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.8226% | 2,343 |
| Net charge-offs to loans | -0.0972% | 5,775 |
| Credit loss provision to net charge-offs | -52.0833% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0832% | 1,746 |
| Assets per employee ($millions) | 3.2993% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 5,087 |
| Loan loss allowance to noncurrent loans | 138.3924% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 3,682 |
| Noncurrent loans to loans | 0.6882% | 3,424 |
| Net loans and leases to total assets | 83.0802% | 462 |
| Net loans and leases to deposits | 96.7613% | 892 |
| Net loans and leases to core deposits | 97.9862% | 1,656 |
| Total domestic deposits to total assets | 85.8610% | 2,767 |
| Equity capital to assets | 11.0142% | 2,869 |
| Core capital (leverage) ratio | 11.7524% | 1,806 |
| Tier 1 risk-based capital ratio | 13.7598% | 4,058 |
| Total risk-based capital ratio | 14.7450% | 4,159 |
| Memoranda: | ||
| Average total assets | $944,302,670 | 738 |
| Average earning assets | $868,924,330 | 738 |
| Average equity | $104,798,670 | 742 |
| Average total loans | $789,880,330 | 593 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 2,347 |
| Cost of funding earning assets | 0.1791% | 5,686 |
| Net interest margin | 4.0517% | 1,409 |
| Noninterest income to average assets | 1.0411% | 1,032 |
| Noninterest expense to average assets | 3.8393% | 837 |
| Loan and lease loss provision to assets | 0.0428% | 3,057 |
| Net operating income to assets | 0.6590% | 4,012 |
| Return on assets (ROA) | 0.6590% | 4,131 |
| Pretax return on assets | 0.8871% | 3,937 |
| Return on Equity (ROE) | 5.9150% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9150% | 2,545 |
| Net charge-offs to loans | 0.0272% | 2,631 |
| Credit loss provision to net charge-offs | 188.6792% | 1,087 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 960 |
| Efficiency ratio | 80.4486% | 1,839 |
| Assets per employee ($millions) | 3.4074% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,412 |
| Loan loss allowance to noncurrent loans | 119.6757% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 3,600 |
| Noncurrent loans to loans | 0.7606% | 3,355 |
| Net loans and leases to total assets | 82.2683% | 435 |
| Net loans and leases to deposits | 97.0079% | 764 |
| Net loans and leases to core deposits | 98.3895% | 1,444 |
| Total domestic deposits to total assets | 84.8058% | 3,511 |
| Equity capital to assets | 11.0949% | 2,870 |
| Core capital (leverage) ratio | 11.6006% | 1,926 |
| Tier 1 risk-based capital ratio | 13.6739% | 4,239 |
| Total risk-based capital ratio | 14.6257% | 4,302 |
| Memoranda: | ||
| Average total assets | $934,751,000 | 744 |
| Average earning assets | $860,091,500 | 748 |
| Average equity | $104,142,500 | 739 |
| Average total loans | $780,772,500 | 593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,255 |
| Cost of funding earning assets | 0.2000% | 5,746 |
| Net interest margin | 4.1897% | 1,333 |
| Noninterest income to average assets | 1.0880% | 1,023 |
| Noninterest expense to average assets | 3.6459% | 1,223 |
| Loan and lease loss provision to assets | 0.0220% | 4,178 |
| Net operating income to assets | 0.8879% | 2,935 |
| Return on assets (ROA) | 0.8674% | 3,127 |
| Pretax return on assets | 1.2455% | 2,463 |
| Return on Equity (ROE) | 7.6765% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.6765% | 1,129 |
| Net charge-offs to loans | 0.0947% | 3,149 |
| Credit loss provision to net charge-offs | 27.7778% | 3,873 |
| Earnings coverage of net charge-offs (x) | 16.4014% | 2,011 |
| Efficiency ratio | 73.1966% | 2,986 |
| Assets per employee ($millions) | 3.3906% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 5,415 |
| Loan loss allowance to noncurrent loans | 115.1554% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 3,567 |
| Noncurrent loans to loans | 0.7968% | 3,314 |
| Net loans and leases to total assets | 83.2731% | 402 |
| Net loans and leases to deposits | 96.5932% | 863 |
| Net loans and leases to core deposits | 98.0601% | 1,547 |
| Total domestic deposits to total assets | 86.2101% | 2,717 |
| Equity capital to assets | 11.1888% | 2,711 |
| Core capital (leverage) ratio | 11.6450% | 1,871 |
| Tier 1 risk-based capital ratio | 14.4448% | 3,808 |
| Total risk-based capital ratio | 15.4296% | 3,909 |
| Memoranda: | ||
| Average total assets | $910,732,600 | 730 |
| Average earning assets | $837,870,800 | 729 |
| Average equity | $102,911,000 | 711 |
| Average total loans | $760,412,600 | 576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,504 |
| Cost of funding earning assets | 0.2033% | 5,795 |
| Net interest margin | 4.1264% | 1,499 |
| Noninterest income to average assets | 1.1057% | 994 |
| Noninterest expense to average assets | 3.5876% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8930% | 2,943 |
| Return on assets (ROA) | 0.8753% | 3,139 |
| Pretax return on assets | 1.2892% | 2,416 |
| Return on Equity (ROE) | 7.7269% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.7269% | 1,479 |
| Net charge-offs to loans | 0.1126% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.0141% | 2,174 |
| Efficiency ratio | 73.0432% | 2,984 |
| Assets per employee ($millions) | 3.6084% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 5,576 |
| Loan loss allowance to noncurrent loans | 67.4674% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 2,778 |
| Noncurrent loans to loans | 1.3471% | 2,390 |
| Net loans and leases to total assets | 80.3373% | 682 |
| Net loans and leases to deposits | 91.6132% | 1,270 |
| Net loans and leases to core deposits | 93.4637% | 1,920 |
| Total domestic deposits to total assets | 87.6919% | 1,925 |
| Equity capital to assets | 11.1938% | 2,766 |
| Core capital (leverage) ratio | 11.6988% | 1,910 |
| Tier 1 risk-based capital ratio | 14.3306% | 4,004 |
| Total risk-based capital ratio | 15.3090% | 4,108 |
| Memoranda: | ||
| Average total assets | $907,857,250 | 739 |
| Average earning assets | $835,370,750 | 732 |
| Average equity | $102,842,000 | 708 |
| Average total loans | $756,744,500 | 578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,265 |
| Cost of funding earning assets | 0.2089% | 5,840 |
| Net interest margin | 4.1681% | 1,321 |
| Noninterest income to average assets | 1.1188% | 947 |
| Noninterest expense to average assets | 3.6272% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8982% | 2,822 |
| Return on assets (ROA) | 0.8712% | 3,042 |
| Pretax return on assets | 1.2806% | 2,334 |
| Return on Equity (ROE) | 7.6589% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.6589% | 1,451 |
| Net charge-offs to loans | 0.1382% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.3500% | 2,164 |
| Efficiency ratio | 73.1440% | 3,129 |
| Assets per employee ($millions) | 3.5431% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 5,621 |
| Loan loss allowance to noncurrent loans | 102.0080% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 3,666 |
| Noncurrent loans to loans | 0.9147% | 3,435 |
| Net loans and leases to total assets | 83.2512% | 359 |
| Net loans and leases to deposits | 97.4962% | 699 |
| Net loans and leases to core deposits | 99.0750% | 1,361 |
| Total domestic deposits to total assets | 85.3891% | 3,332 |
| Equity capital to assets | 11.4973% | 2,425 |
| Core capital (leverage) ratio | 11.6761% | 1,869 |
| Tier 1 risk-based capital ratio | 14.2538% | 4,096 |
| Total risk-based capital ratio | 15.2620% | 4,188 |
| Memoranda: | ||
| Average total assets | $894,138,330 | 750 |
| Average earning assets | $821,284,330 | 748 |
| Average equity | $101,712,330 | 715 |
| Average total loans | $752,524,330 | 576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,464 |
| Cost of funding earning assets | 0.2082% | 5,935 |
| Net interest margin | 4.1084% | 1,436 |
| Noninterest income to average assets | 1.1220% | 884 |
| Noninterest expense to average assets | 3.5990% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8782% | 2,758 |
| Return on assets (ROA) | 0.8742% | 2,844 |
| Pretax return on assets | 1.2869% | 2,142 |
| Return on Equity (ROE) | 7.7270% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.7270% | 1,711 |
| Net charge-offs to loans | 0.2873% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.3426% | 2,385 |
| Efficiency ratio | 73.3419% | 3,253 |
| Assets per employee ($millions) | 3.2732% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,731 |
| Loan loss allowance to noncurrent loans | 96.5827% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 3,677 |
| Noncurrent loans to loans | 0.9752% | 3,476 |
| Net loans and leases to total assets | 83.4918% | 265 |
| Net loans and leases to deposits | 98.9455% | 494 |
| Net loans and leases to core deposits | 100.5132% | 1,066 |
| Total domestic deposits to total assets | 84.3816% | 4,131 |
| Equity capital to assets | 11.3776% | 2,353 |
| Core capital (leverage) ratio | 11.6734% | 1,848 |
| Tier 1 risk-based capital ratio | 14.1282% | 4,233 |
| Total risk-based capital ratio | 15.1442% | 4,345 |
| Memoranda: | ||
| Average total assets | $887,692,000 | 761 |
| Average earning assets | $814,518,000 | 761 |
| Average equity | $100,426,500 | 723 |
| Average total loans | $747,673,500 | 584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 2,115 |
| Cost of funding earning assets | 0.3026% | 5,573 |
| Net interest margin | 4.2219% | 1,295 |
| Noninterest income to average assets | 1.1243% | 1,113 |
| Noninterest expense to average assets | 3.8017% | 1,132 |
| Loan and lease loss provision to assets | -0.1151% | 6,508 |
| Net operating income to assets | 0.9644% | 2,495 |
| Return on assets (ROA) | 0.8861% | 2,940 |
| Pretax return on assets | 1.1933% | 2,603 |
| Return on Equity (ROE) | 8.1886% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.1886% | 993 |
| Net charge-offs to loans | -0.0222% | 6,159 |
| Credit loss provision to net charge-offs | 621.1180% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5557% | 2,850 |
| Assets per employee ($millions) | 3.3151% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,423 |
| Loan loss allowance to noncurrent loans | 101.4356% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 3,752 |
| Noncurrent loans to loans | 1.0136% | 3,485 |
| Net loans and leases to total assets | 83.3015% | 303 |
| Net loans and leases to deposits | 98.6875% | 554 |
| Net loans and leases to core deposits | 100.3192% | 1,131 |
| Total domestic deposits to total assets | 84.4094% | 4,011 |
| Equity capital to assets | 11.2479% | 2,387 |
| Core capital (leverage) ratio | 11.3930% | 2,039 |
| Tier 1 risk-based capital ratio | 14.0184% | 4,282 |
| Total risk-based capital ratio | 15.1215% | 4,326 |
| Memoranda: | ||
| Average total assets | $868,958,600 | 761 |
| Average earning assets | $794,742,400 | 758 |
| Average equity | $94,033,600 | 747 |
| Average total loans | $726,806,800 | 580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 2,090 |
| Cost of funding earning assets | 0.3091% | 5,651 |
| Net interest margin | 4.2280% | 1,250 |
| Noninterest income to average assets | 1.1952% | 1,029 |
| Noninterest expense to average assets | 3.7625% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9562% | 2,553 |
| Return on assets (ROA) | 0.9562% | 2,658 |
| Pretax return on assets | 1.2980% | 2,336 |
| Return on Equity (ROE) | 8.9260% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.9260% | 1,078 |
| Net charge-offs to loans | -0.0644% | 6,382 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1197% | 3,042 |
| Assets per employee ($millions) | 3.4328% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,839 |
| Loan loss allowance to noncurrent loans | 116.0547% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 3,995 |
| Noncurrent loans to loans | 1.0374% | 3,726 |
| Net loans and leases to total assets | 80.7711% | 479 |
| Net loans and leases to deposits | 94.5292% | 790 |
| Net loans and leases to core deposits | 96.3601% | 1,361 |
| Total domestic deposits to total assets | 85.4457% | 3,523 |
| Equity capital to assets | 10.5895% | 3,174 |
| Core capital (leverage) ratio | 11.3279% | 2,176 |
| Tier 1 risk-based capital ratio | 13.9705% | 4,455 |
| Total risk-based capital ratio | 15.2202% | 4,401 |
| Memoranda: | ||
| Average total assets | $865,746,750 | 766 |
| Average earning assets | $791,471,000 | 766 |
| Average equity | $92,745,750 | 759 |
| Average total loans | $722,961,250 | 581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,948 |
| Cost of funding earning assets | 0.3153% | 5,713 |
| Net interest margin | 4.2551% | 1,129 |
| Noninterest income to average assets | 1.2701% | 961 |
| Noninterest expense to average assets | 3.8468% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9518% | 2,566 |
| Return on assets (ROA) | 0.9518% | 2,709 |
| Pretax return on assets | 1.3131% | 2,256 |
| Return on Equity (ROE) | 8.8488% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.8488% | 1,176 |
| Net charge-offs to loans | 0.0700% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 22.2937% | 1,376 |
| Efficiency ratio | 74.3205% | 3,070 |
| Assets per employee ($millions) | 3.4624% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,301 |
| Loan loss allowance to noncurrent loans | 131.2360% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 4,395 |
| Noncurrent loans to loans | 0.8642% | 4,195 |
| Net loans and leases to total assets | 83.4286% | 271 |
| Net loans and leases to deposits | 99.5862% | 447 |
| Net loans and leases to core deposits | 101.5652% | 973 |
| Total domestic deposits to total assets | 83.7753% | 4,425 |
| Equity capital to assets | 10.8300% | 2,919 |
| Core capital (leverage) ratio | 11.3870% | 2,027 |
| Tier 1 risk-based capital ratio | 13.8140% | 4,552 |
| Total risk-based capital ratio | 15.0224% | 4,559 |
| Memoranda: | ||
| Average total assets | $855,678,000 | 776 |
| Average earning assets | $782,220,000 | 774 |
| Average equity | $92,035,330 | 768 |
| Average total loans | $719,785,000 | 578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 1,941 |
| Cost of funding earning assets | 0.3157% | 5,833 |
| Net interest margin | 4.2466% | 1,079 |
| Noninterest income to average assets | 1.3065% | 903 |
| Noninterest expense to average assets | 3.8114% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9333% | 2,505 |
| Return on assets (ROA) | 0.9333% | 2,648 |
| Pretax return on assets | 1.3753% | 1,942 |
| Return on Equity (ROE) | 8.7072% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.7072% | 1,485 |
| Net charge-offs to loans | 0.0139% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 117.4800% | 331 |
| Efficiency ratio | 73.2575% | 3,402 |
| Assets per employee ($millions) | 3.4214% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,300 |
| Loan loss allowance to noncurrent loans | 113.5081% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 4,176 |
| Noncurrent loans to loans | 1.0344% | 4,071 |
| Net loans and leases to total assets | 83.4329% | 215 |
| Net loans and leases to deposits | 99.4444% | 375 |
| Net loans and leases to core deposits | 101.3867% | 865 |
| Total domestic deposits to total assets | 83.8991% | 4,521 |
| Equity capital to assets | 10.8591% | 3,130 |
| Core capital (leverage) ratio | 11.2723% | 2,040 |
| Tier 1 risk-based capital ratio | 13.7768% | 4,669 |
| Total risk-based capital ratio | 15.0269% | 4,634 |
| Memoranda: | ||
| Average total assets | $854,183,000 | 784 |
| Average earning assets | $780,488,500 | 782 |
| Average equity | $91,556,000 | 781 |
| Average total loans | $717,381,000 | 588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 1,808 |
| Cost of funding earning assets | 0.4545% | 5,550 |
| Net interest margin | 4.4555% | 1,031 |
| Noninterest income to average assets | 1.1009% | 1,279 |
| Noninterest expense to average assets | 4.0294% | 947 |
| Loan and lease loss provision to assets | -0.0716% | 6,891 |
| Net operating income to assets | 0.8694% | 2,960 |
| Return on assets (ROA) | 0.8665% | 3,217 |
| Pretax return on assets | 1.2131% | 2,760 |
| Return on Equity (ROE) | 8.4481% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.4481% | 984 |
| Net charge-offs to loans | 0.1016% | 4,652 |
| Credit loss provision to net charge-offs | -84.5070% | 6,318 |
| Earnings coverage of net charge-offs (x) | 13.5296% | 1,817 |
| Efficiency ratio | 77.3858% | 2,532 |
| Assets per employee ($millions) | 3.3851% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 5,193 |
| Loan loss allowance to noncurrent loans | 114.1356% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 4,231 |
| Noncurrent loans to loans | 1.0371% | 4,140 |
| Net loans and leases to total assets | 82.5580% | 295 |
| Net loans and leases to deposits | 98.9213% | 462 |
| Net loans and leases to core deposits | 100.6643% | 984 |
| Total domestic deposits to total assets | 83.4583% | 4,551 |
| Equity capital to assets | 10.5787% | 3,426 |
| Core capital (leverage) ratio | 11.0509% | 2,214 |
| Tier 1 risk-based capital ratio | 13.5792% | 4,691 |
| Total risk-based capital ratio | 14.8294% | 4,637 |
| Memoranda: | ||
| Average total assets | $838,513,200 | 782 |
| Average earning assets | $766,737,000 | 777 |
| Average equity | $86,007,200 | 812 |
| Average total loans | $698,938,600 | 592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,852 |
| Cost of funding earning assets | 0.4991% | 5,440 |
| Net interest margin | 4.4443% | 1,102 |
| Noninterest income to average assets | 1.0724% | 1,314 |
| Noninterest expense to average assets | 3.8824% | 1,084 |
| Loan and lease loss provision to assets | 0.0240% | 5,494 |
| Net operating income to assets | 0.8471% | 3,227 |
| Return on assets (ROA) | 0.8471% | 3,478 |
| Pretax return on assets | 1.2357% | 2,844 |
| Return on Equity (ROE) | 8.3257% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.3257% | 1,482 |
| Net charge-offs to loans | -0.0169% | 6,465 |
| Credit loss provision to net charge-offs | -170.4545% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2658% | 2,784 |
| Assets per employee ($millions) | 3.2680% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 4,332 |
| Loan loss allowance to noncurrent loans | 87.4018% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4010% | 3,504 |
| Noncurrent loans to loans | 1.6137% | 3,368 |
| Net loans and leases to total assets | 82.7365% | 297 |
| Net loans and leases to deposits | 96.7904% | 607 |
| Net loans and leases to core deposits | 98.3743% | 1,237 |
| Total domestic deposits to total assets | 85.4801% | 3,520 |
| Equity capital to assets | 10.4633% | 3,888 |
| Core capital (leverage) ratio | 10.8765% | 2,513 |
| Tier 1 risk-based capital ratio | 13.2112% | 5,088 |
| Total risk-based capital ratio | 14.4643% | 5,050 |
| Memoranda: | ||
| Average total assets | $834,034,500 | 790 |
| Average earning assets | $763,753,500 | 784 |
| Average equity | $84,859,250 | 829 |
| Average total loans | $694,793,250 | 597 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,874 |
| Cost of funding earning assets | 0.5835% | 5,043 |
| Net interest margin | 4.3852% | 1,245 |
| Noninterest income to average assets | 1.0413% | 1,344 |
| Noninterest expense to average assets | 3.9508% | 1,007 |
| Loan and lease loss provision to assets | 0.0361% | 5,224 |
| Net operating income to assets | 0.7138% | 3,792 |
| Return on assets (ROA) | 0.7138% | 4,060 |
| Pretax return on assets | 1.0681% | 3,432 |
| Return on Equity (ROE) | 7.0840% | 3,734 |
| Retained earnings to average equity (ytd only) | 7.0840% | 2,053 |
| Net charge-offs to loans | 0.0215% | 5,099 |
| Credit loss provision to net charge-offs | 202.7027% | 1,409 |
| Earnings coverage of net charge-offs (x) | 61.9189% | 617 |
| Efficiency ratio | 77.9224% | 2,463 |
| Assets per employee ($millions) | 3.2175% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,443 |
| Loan loss allowance to noncurrent loans | 67.5763% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 3,025 |
| Noncurrent loans to loans | 2.0795% | 2,851 |
| Net loans and leases to total assets | 82.6653% | 293 |
| Net loans and leases to deposits | 101.9117% | 344 |
| Net loans and leases to core deposits | 103.6982% | 882 |
| Total domestic deposits to total assets | 81.1147% | 5,429 |
| Equity capital to assets | 10.2233% | 4,029 |
| Core capital (leverage) ratio | 10.5045% | 2,794 |
| Tier 1 risk-based capital ratio | 12.8608% | 5,286 |
| Total risk-based capital ratio | 14.1137% | 5,259 |
| Memoranda: | ||
| Average total assets | $829,910,000 | 798 |
| Average earning assets | $759,607,670 | 791 |
| Average equity | $83,625,000 | 831 |
| Average total loans | $689,622,330 | 597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 2,152 |
| Cost of funding earning assets | 0.6305% | 4,886 |
| Net interest margin | 4.2949% | 1,479 |
| Noninterest income to average assets | 1.0123% | 1,396 |
| Noninterest expense to average assets | 3.9299% | 1,023 |
| Loan and lease loss provision to assets | 0.0726% | 4,491 |
| Net operating income to assets | 0.6291% | 4,222 |
| Return on assets (ROA) | 0.6291% | 4,432 |
| Pretax return on assets | 0.9359% | 3,911 |
| Return on Equity (ROE) | 6.2896% | 4,146 |
| Retained earnings to average equity (ytd only) | 6.2896% | 2,799 |
| Net charge-offs to loans | -0.1386% | 6,900 |
| Credit loss provision to net charge-offs | -63.2911% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3337% | 2,301 |
| Assets per employee ($millions) | 3.0469% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 4,329 |
| Loan loss allowance to noncurrent loans | 66.0881% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9485% | 2,974 |
| Noncurrent loans to loans | 2.2125% | 2,907 |
| Net loans and leases to total assets | 82.3705% | 253 |
| Net loans and leases to deposits | 102.1524% | 301 |
| Net loans and leases to core deposits | 103.8274% | 776 |
| Total domestic deposits to total assets | 80.6349% | 5,692 |
| Equity capital to assets | 10.0447% | 4,074 |
| Core capital (leverage) ratio | 10.4154% | 2,855 |
| Tier 1 risk-based capital ratio | 12.5277% | 5,582 |
| Total risk-based capital ratio | 13.7811% | 5,544 |
| Memoranda: | ||
| Average total assets | $826,596,000 | 804 |
| Average earning assets | $755,595,000 | 796 |
| Average equity | $82,676,500 | 835 |
| Average total loans | $683,742,000 | 606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 2,609 |
| Cost of funding earning assets | 0.7094% | 5,480 |
| Net interest margin | 4.3504% | 1,538 |
| Noninterest income to average assets | 0.9699% | 1,452 |
| Noninterest expense to average assets | 4.0365% | 986 |
| Loan and lease loss provision to assets | 0.1961% | 4,224 |
| Net operating income to assets | 0.4868% | 4,483 |
| Return on assets (ROA) | 0.5149% | 4,567 |
| Pretax return on assets | 0.7470% | 4,167 |
| Return on Equity (ROE) | 5.1938% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1938% | 2,510 |
| Net charge-offs to loans | 0.3579% | 3,613 |
| Credit loss provision to net charge-offs | 68.2581% | 4,921 |
| Earnings coverage of net charge-offs (x) | 3.1406% | 3,639 |
| Efficiency ratio | 81.3496% | 2,109 |
| Assets per employee ($millions) | 3.0422% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,211 |
| Loan loss allowance to noncurrent loans | 63.2600% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.9517% | 3,038 |
| Noncurrent loans to loans | 2.3001% | 2,853 |
| Net loans and leases to total assets | 80.6410% | 429 |
| Net loans and leases to deposits | 100.2635% | 444 |
| Net loans and leases to core deposits | 101.9054% | 1,036 |
| Total domestic deposits to total assets | 80.4291% | 5,616 |
| Equity capital to assets | 9.9589% | 4,212 |
| Core capital (leverage) ratio | 9.9403% | 3,406 |
| Tier 1 risk-based capital ratio | 12.4500% | 5,492 |
| Total risk-based capital ratio | 13.7034% | 5,468 |
| Memoranda: | ||
| Average total assets | $809,246,000 | 809 |
| Average earning assets | $738,275,000 | 806 |
| Average equity | $80,230,200 | 834 |
| Average total loans | $649,680,000 | 633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 2,810 |
| Cost of funding earning assets | 0.7191% | 5,653 |
| Net interest margin | 4.3401% | 1,585 |
| Noninterest income to average assets | 1.0072% | 1,321 |
| Noninterest expense to average assets | 3.9557% | 1,060 |
| Loan and lease loss provision to assets | 0.2590% | 3,429 |
| Net operating income to assets | 0.5080% | 4,517 |
| Return on assets (ROA) | 0.5223% | 4,629 |
| Pretax return on assets | 0.7728% | 4,228 |
| Return on Equity (ROE) | 5.2739% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.2739% | 3,010 |
| Net charge-offs to loans | 0.3244% | 3,476 |
| Credit loss provision to net charge-offs | 99.9362% | 3,423 |
| Earnings coverage of net charge-offs (x) | 3.9004% | 3,251 |
| Efficiency ratio | 79.3946% | 2,348 |
| Assets per employee ($millions) | 3.0951% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 3,639 |
| Loan loss allowance to noncurrent loans | 55.5955% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 2,742 |
| Noncurrent loans to loans | 2.8872% | 2,419 |
| Net loans and leases to total assets | 77.4340% | 778 |
| Net loans and leases to deposits | 95.3144% | 740 |
| Net loans and leases to core deposits | 96.9345% | 1,515 |
| Total domestic deposits to total assets | 81.2406% | 5,358 |
| Equity capital to assets | 9.8439% | 4,559 |
| Core capital (leverage) ratio | 10.0858% | 3,325 |
| Tier 1 risk-based capital ratio | 12.6883% | 5,339 |
| Total risk-based capital ratio | 13.9435% | 5,312 |
| Memoranda: | ||
| Average total assets | $806,210,750 | 820 |
| Average earning assets | $735,485,750 | 815 |
| Average equity | $79,837,500 | 845 |
| Average total loans | $644,061,250 | 650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 2,896 |
| Cost of funding earning assets | 0.7283% | 5,786 |
| Net interest margin | 4.3274% | 1,575 |
| Noninterest income to average assets | 0.9761% | 1,390 |
| Noninterest expense to average assets | 3.9771% | 1,085 |
| Loan and lease loss provision to assets | 0.3135% | 2,915 |
| Net operating income to assets | 0.4291% | 4,818 |
| Return on assets (ROA) | 0.4502% | 4,858 |
| Pretax return on assets | 0.6659% | 4,517 |
| Return on Equity (ROE) | 4.5368% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5368% | 3,303 |
| Net charge-offs to loans | 0.3501% | 3,151 |
| Credit loss provision to net charge-offs | 111.5076% | 2,752 |
| Earnings coverage of net charge-offs (x) | 3.3729% | 3,195 |
| Efficiency ratio | 80.4868% | 2,315 |
| Assets per employee ($millions) | 3.0588% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,541 |
| Loan loss allowance to noncurrent loans | 59.3942% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.2822% | 2,876 |
| Noncurrent loans to loans | 2.7583% | 2,642 |
| Net loans and leases to total assets | 78.5667% | 698 |
| Net loans and leases to deposits | 101.3585% | 434 |
| Net loans and leases to core deposits | 102.9213% | 1,119 |
| Total domestic deposits to total assets | 77.5136% | 6,368 |
| Equity capital to assets | 9.8779% | 4,295 |
| Core capital (leverage) ratio | 10.2172% | 3,014 |
| Tier 1 risk-based capital ratio | 12.5556% | 5,284 |
| Total risk-based capital ratio | 13.8112% | 5,260 |
| Memoranda: | ||
| Average total assets | $797,424,330 | 844 |
| Average earning assets | $727,733,000 | 832 |
| Average equity | $79,131,000 | 855 |
| Average total loans | $640,345,330 | 665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 2,872 |
| Cost of funding earning assets | 0.7466% | 5,886 |
| Net interest margin | 4.3014% | 1,560 |
| Noninterest income to average assets | 0.9512% | 1,465 |
| Noninterest expense to average assets | 3.8768% | 1,207 |
| Loan and lease loss provision to assets | 0.3801% | 2,286 |
| Net operating income to assets | 0.4214% | 4,848 |
| Return on assets (ROA) | 0.4607% | 4,744 |
| Pretax return on assets | 0.6821% | 4,375 |
| Return on Equity (ROE) | 4.6312% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.6312% | 3,411 |
| Net charge-offs to loans | 0.1901% | 3,362 |
| Credit loss provision to net charge-offs | 248.3444% | 1,270 |
| Earnings coverage of net charge-offs (x) | 6.5629% | 2,080 |
| Efficiency ratio | 79.1632% | 2,669 |
| Assets per employee ($millions) | 2.9895% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 3,303 |
| Loan loss allowance to noncurrent loans | 59.4879% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4356% | 2,790 |
| Noncurrent loans to loans | 2.8753% | 2,618 |
| Net loans and leases to total assets | 80.4544% | 472 |
| Net loans and leases to deposits | 100.1340% | 460 |
| Net loans and leases to core deposits | 101.5467% | 1,232 |
| Total domestic deposits to total assets | 80.3467% | 5,853 |
| Equity capital to assets | 10.0706% | 3,685 |
| Core capital (leverage) ratio | 10.1071% | 3,021 |
| Tier 1 risk-based capital ratio | 12.4984% | 5,267 |
| Total risk-based capital ratio | 13.7549% | 5,241 |
| Memoranda: | ||
| Average total assets | $789,319,000 | 855 |
| Average earning assets | $721,167,000 | 849 |
| Average equity | $78,511,500 | 853 |
| Average total loans | $635,571,500 | 676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 2,591 |
| Cost of funding earning assets | 0.8967% | 6,186 |
| Net interest margin | 4.5210% | 1,182 |
| Noninterest income to average assets | 1.1832% | 1,061 |
| Noninterest expense to average assets | 3.9408% | 1,251 |
| Loan and lease loss provision to assets | 0.4162% | 3,611 |
| Net operating income to assets | 0.6258% | 3,556 |
| Return on assets (ROA) | 0.6314% | 3,686 |
| Pretax return on assets | 0.9066% | 3,259 |
| Return on Equity (ROE) | 6.6736% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.6736% | 1,467 |
| Net charge-offs to loans | 0.6082% | 3,210 |
| Credit loss provision to net charge-offs | 85.2866% | 5,330 |
| Earnings coverage of net charge-offs (x) | 2.6942% | 3,739 |
| Efficiency ratio | 74.6620% | 3,265 |
| Assets per employee ($millions) | 3.0475% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 3,331 |
| Loan loss allowance to noncurrent loans | 64.4762% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0509% | 3,283 |
| Noncurrent loans to loans | 2.5893% | 2,941 |
| Net loans and leases to total assets | 77.8866% | 964 |
| Net loans and leases to deposits | 96.5417% | 816 |
| Net loans and leases to core deposits | 98.1277% | 1,787 |
| Total domestic deposits to total assets | 80.6766% | 5,629 |
| Equity capital to assets | 9.8248% | 3,969 |
| Core capital (leverage) ratio | 9.8269% | 3,285 |
| Tier 1 risk-based capital ratio | 12.6627% | 4,884 |
| Total risk-based capital ratio | 13.9186% | 4,856 |
| Memoranda: | ||
| Average total assets | $800,799,000 | 843 |
| Average earning assets | $721,340,800 | 846 |
| Average equity | $75,761,200 | 873 |
| Average total loans | $642,580,000 | 685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 2,571 |
| Cost of funding earning assets | 0.9196% | 6,312 |
| Net interest margin | 4.5477% | 1,155 |
| Noninterest income to average assets | 1.0139% | 1,429 |
| Noninterest expense to average assets | 3.8407% | 1,297 |
| Loan and lease loss provision to assets | 0.4986% | 2,968 |
| Net operating income to assets | 0.5259% | 4,200 |
| Return on assets (ROA) | 0.5334% | 4,344 |
| Pretax return on assets | 0.7671% | 4,024 |
| Return on Equity (ROE) | 5.6922% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.6922% | 2,550 |
| Net charge-offs to loans | 0.7018% | 2,662 |
| Credit loss provision to net charge-offs | 88.2613% | 4,839 |
| Earnings coverage of net charge-offs (x) | 2.2215% | 4,065 |
| Efficiency ratio | 75.1223% | 3,125 |
| Assets per employee ($millions) | 3.1455% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 3,195 |
| Loan loss allowance to noncurrent loans | 54.6588% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4015% | 2,977 |
| Noncurrent loans to loans | 3.0844% | 2,588 |
| Net loans and leases to total assets | 76.5472% | 1,302 |
| Net loans and leases to deposits | 94.6040% | 1,138 |
| Net loans and leases to core deposits | 95.8994% | 2,272 |
| Total domestic deposits to total assets | 80.9132% | 5,407 |
| Equity capital to assets | 9.4090% | 4,972 |
| Core capital (leverage) ratio | 9.3680% | 4,104 |
| Tier 1 risk-based capital ratio | 11.9982% | 5,467 |
| Total risk-based capital ratio | 13.2544% | 5,428 |
| Memoranda: | ||
| Average total assets | $802,150,250 | 844 |
| Average earning assets | $719,998,000 | 851 |
| Average equity | $75,165,000 | 876 |
| Average total loans | $645,719,250 | 683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 2,675 |
| Cost of funding earning assets | 0.9399% | 6,426 |
| Net interest margin | 4.5267% | 1,150 |
| Noninterest income to average assets | 0.9822% | 1,429 |
| Noninterest expense to average assets | 3.8134% | 1,340 |
| Loan and lease loss provision to assets | 0.5013% | 2,794 |
| Net operating income to assets | 0.5311% | 4,189 |
| Return on assets (ROA) | 0.5399% | 4,291 |
| Pretax return on assets | 0.7782% | 3,960 |
| Return on Equity (ROE) | 5.7695% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.7695% | 2,458 |
| Net charge-offs to loans | 0.4600% | 3,160 |
| Credit loss provision to net charge-offs | 133.8688% | 3,003 |
| Earnings coverage of net charge-offs (x) | 3.3829% | 3,346 |
| Efficiency ratio | 74.8138% | 3,302 |
| Assets per employee ($millions) | 3.1524% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,791 |
| Loan loss allowance to noncurrent loans | 50.8683% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8478% | 2,536 |
| Noncurrent loans to loans | 3.4943% | 2,268 |
| Net loans and leases to total assets | 80.0497% | 789 |
| Net loans and leases to deposits | 101.6195% | 614 |
| Net loans and leases to core deposits | 102.8675% | 1,747 |
| Total domestic deposits to total assets | 78.7739% | 6,092 |
| Equity capital to assets | 9.4465% | 4,786 |
| Core capital (leverage) ratio | 9.3691% | 4,008 |
| Tier 1 risk-based capital ratio | 11.4663% | 5,804 |
| Total risk-based capital ratio | 12.7236% | 5,768 |
| Memoranda: | ||
| Average total assets | $797,968,330 | 853 |
| Average earning assets | $722,380,670 | 850 |
| Average equity | $74,668,330 | 880 |
| Average total loans | $649,518,670 | 681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 2,764 |
| Cost of funding earning assets | 0.9625% | 6,534 |
| Net interest margin | 4.5009% | 1,141 |
| Noninterest income to average assets | 0.9917% | 1,329 |
| Noninterest expense to average assets | 3.7394% | 1,436 |
| Loan and lease loss provision to assets | 0.5021% | 2,486 |
| Net operating income to assets | 0.5792% | 3,990 |
| Return on assets (ROA) | 0.5930% | 4,068 |
| Pretax return on assets | 0.8607% | 3,624 |
| Return on Equity (ROE) | 6.3680% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.3680% | 2,432 |
| Net charge-offs to loans | 0.1438% | 4,072 |
| Credit loss provision to net charge-offs | 429.1845% | 965 |
| Earnings coverage of net charge-offs (x) | 11.4764% | 1,640 |
| Efficiency ratio | 73.3327% | 3,701 |
| Assets per employee ($millions) | 3.0222% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,692 |
| Loan loss allowance to noncurrent loans | 57.2283% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.5975% | 2,810 |
| Noncurrent loans to loans | 3.1701% | 2,530 |
| Net loans and leases to total assets | 80.4493% | 775 |
| Net loans and leases to deposits | 102.3829% | 622 |
| Net loans and leases to core deposits | 103.6156% | 1,778 |
| Total domestic deposits to total assets | 78.5769% | 6,179 |
| Equity capital to assets | 9.3896% | 4,688 |
| Core capital (leverage) ratio | 9.1957% | 4,231 |
| Tier 1 risk-based capital ratio | 11.3965% | 5,770 |
| Total risk-based capital ratio | 12.6546% | 5,736 |
| Memoranda: | ||
| Average total assets | $796,603,500 | 870 |
| Average earning assets | $723,937,000 | 873 |
| Average equity | $74,183,500 | 894 |
| Average total loans | $648,000,500 | 704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 2,739 |
| Cost of funding earning assets | 1.3913% | 5,970 |
| Net interest margin | 4.3895% | 1,464 |
| Noninterest income to average assets | 1.0428% | 1,428 |
| Noninterest expense to average assets | 3.7616% | 1,769 |
| Loan and lease loss provision to assets | 0.6626% | 3,160 |
| Net operating income to assets | 0.4280% | 4,013 |
| Return on assets (ROA) | 0.4290% | 4,116 |
| Pretax return on assets | 0.5922% | 3,920 |
| Return on Equity (ROE) | 4.8832% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.8832% | 1,880 |
| Net charge-offs to loans | 0.9651% | 2,474 |
| Credit loss provision to net charge-offs | 85.5089% | 6,149 |
| Earnings coverage of net charge-offs (x) | 1.6175% | 4,528 |
| Efficiency ratio | 74.7574% | 3,746 |
| Assets per employee ($millions) | 3.0473% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 2,797 |
| Loan loss allowance to noncurrent loans | 72.5175% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 3,497 |
| Noncurrent loans to loans | 2.3817% | 3,187 |
| Net loans and leases to total assets | 79.3585% | 1,124 |
| Net loans and leases to deposits | 98.0670% | 1,096 |
| Net loans and leases to core deposits | 102.5179% | 3,743 |
| Total domestic deposits to total assets | 80.9227% | 5,367 |
| Equity capital to assets | 9.2351% | 4,795 |
| Core capital (leverage) ratio | 9.3196% | 3,947 |
| Tier 1 risk-based capital ratio | 11.5299% | 5,367 |
| Total risk-based capital ratio | 12.7863% | 5,318 |
| Memoranda: | ||
| Average total assets | $807,705,400 | 847 |
| Average earning assets | $730,924,800 | 851 |
| Average equity | $70,957,600 | 923 |
| Average total loans | $648,529,600 | 722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8194% | 2,804 |
| Cost of funding earning assets | 1.5052% | 5,799 |
| Net interest margin | 4.3142% | 1,696 |
| Noninterest income to average assets | 1.0912% | 1,339 |
| Noninterest expense to average assets | 3.7597% | 1,689 |
| Loan and lease loss provision to assets | 0.6458% | 2,820 |
| Net operating income to assets | 0.4262% | 4,294 |
| Return on assets (ROA) | 0.4276% | 4,390 |
| Pretax return on assets | 0.5884% | 4,216 |
| Return on Equity (ROE) | 4.9287% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.9287% | 2,534 |
| Net charge-offs to loans | 0.7519% | 2,481 |
| Credit loss provision to net charge-offs | 107.1195% | 4,748 |
| Earnings coverage of net charge-offs (x) | 2.0442% | 4,287 |
| Efficiency ratio | 75.0634% | 3,677 |
| Assets per employee ($millions) | 3.1849% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 1,942 |
| Loan loss allowance to noncurrent loans | 82.4990% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.8087% | 3,641 |
| Noncurrent loans to loans | 2.3465% | 3,210 |
| Net loans and leases to total assets | 75.5898% | 2,079 |
| Net loans and leases to deposits | 92.6121% | 2,133 |
| Net loans and leases to core deposits | 96.2677% | 4,781 |
| Total domestic deposits to total assets | 81.6198% | 4,828 |
| Equity capital to assets | 8.8295% | 5,738 |
| Core capital (leverage) ratio | 9.3191% | 4,159 |
| Tier 1 risk-based capital ratio | 11.7098% | 5,233 |
| Total risk-based capital ratio | 12.9683% | 5,171 |
| Memoranda: | ||
| Average total assets | $810,794,750 | 853 |
| Average earning assets | $733,098,500 | 861 |
| Average equity | $70,334,250 | 943 |
| Average total loans | $650,094,750 | 739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 2,674 |
| Cost of funding earning assets | 1.6824% | 5,353 |
| Net interest margin | 4.1975% | 2,010 |
| Noninterest income to average assets | 1.1197% | 1,260 |
| Noninterest expense to average assets | 3.8101% | 1,641 |
| Loan and lease loss provision to assets | 0.6200% | 2,571 |
| Net operating income to assets | 0.3791% | 4,587 |
| Return on assets (ROA) | 0.3811% | 4,683 |
| Pretax return on assets | 0.5159% | 4,567 |
| Return on Equity (ROE) | 4.4199% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.4199% | 2,838 |
| Net charge-offs to loans | 0.1611% | 4,592 |
| Credit loss provision to net charge-offs | 473.8636% | 981 |
| Earnings coverage of net charge-offs (x) | 8.6610% | 2,230 |
| Efficiency ratio | 76.8221% | 3,538 |
| Assets per employee ($millions) | 3.1972% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 1,290 |
| Loan loss allowance to noncurrent loans | 79.7967% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 2,792 |
| Noncurrent loans to loans | 2.7165% | 2,648 |
| Net loans and leases to total assets | 79.5418% | 1,391 |
| Net loans and leases to deposits | 98.3985% | 1,468 |
| Net loans and leases to core deposits | 101.8805% | 4,289 |
| Total domestic deposits to total assets | 80.8364% | 5,135 |
| Equity capital to assets | 8.9431% | 5,394 |
| Core capital (leverage) ratio | 9.1503% | 4,384 |
| Tier 1 risk-based capital ratio | 11.3039% | 5,594 |
| Total risk-based capital ratio | 12.5653% | 5,480 |
| Memoranda: | ||
| Average total assets | $807,160,330 | 874 |
| Average earning assets | $735,249,330 | 872 |
| Average equity | $69,595,000 | 960 |
| Average total loans | $655,666,000 | 752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8844% | 2,875 |
| Cost of funding earning assets | 1.8718% | 4,781 |
| Net interest margin | 4.0126% | 2,594 |
| Noninterest income to average assets | 1.0296% | 1,407 |
| Noninterest expense to average assets | 3.9607% | 1,231 |
| Loan and lease loss provision to assets | 0.2982% | 3,564 |
| Net operating income to assets | 0.3285% | 5,171 |
| Return on assets (ROA) | 0.3326% | 5,340 |
| Pretax return on assets | 0.4406% | 5,268 |
| Return on Equity (ROE) | 3.9282% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.9282% | 3,706 |
| Net charge-offs to loans | 0.0750% | 4,430 |
| Credit loss provision to net charge-offs | 489.5161% | 1,105 |
| Earnings coverage of net charge-offs (x) | 12.0403% | 1,829 |
| Efficiency ratio | 84.1147% | 2,293 |
| Assets per employee ($millions) | 3.2384% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 1,644 |
| Loan loss allowance to noncurrent loans | 71.7331% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.2129% | 2,582 |
| Noncurrent loans to loans | 2.6321% | 2,499 |
| Net loans and leases to total assets | 78.8593% | 1,610 |
| Net loans and leases to deposits | 96.3890% | 1,888 |
| Net loans and leases to core deposits | 100.1043% | 4,527 |
| Total domestic deposits to total assets | 81.8136% | 4,630 |
| Equity capital to assets | 8.4300% | 6,184 |
| Core capital (leverage) ratio | 8.8772% | 4,884 |
| Tier 1 risk-based capital ratio | 10.8244% | 6,069 |
| Total risk-based capital ratio | 12.0834% | 5,969 |
| Memoranda: | ||
| Average total assets | $814,293,500 | 869 |
| Average earning assets | $743,663,500 | 861 |
| Average equity | $68,938,000 | 974 |
| Average total loans | $661,171,000 | 752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6649% | 2,181 |
| Cost of funding earning assets | 2.1982% | 5,607 |
| Net interest margin | 4.4666% | 1,499 |
| Noninterest income to average assets | 1.0162% | 1,533 |
| Noninterest expense to average assets | 3.9670% | 1,464 |
| Loan and lease loss provision to assets | 0.7774% | 1,925 |
| Net operating income to assets | 0.2782% | 5,621 |
| Return on assets (ROA) | -0.3260% | 6,625 |
| Pretax return on assets | -0.5890% | 6,728 |
| Return on Equity (ROE) | -3.3814% | 6,672 |
| Retained earnings to average equity (ytd only) | -3.3814% | 6,203 |
| Net charge-offs to loans | 0.5464% | 2,186 |
| Credit loss provision to net charge-offs | 168.8631% | 3,045 |
| Earnings coverage of net charge-offs (x) | 2.4598% | 4,848 |
| Efficiency ratio | 77.5358% | 2,989 |
| Assets per employee ($millions) | 3.2242% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 1,591 |
| Loan loss allowance to noncurrent loans | 96.4010% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.6738% | 2,906 |
| Noncurrent loans to loans | 1.8826% | 2,937 |
| Net loans and leases to total assets | 80.5424% | 1,540 |
| Net loans and leases to deposits | 98.5054% | 2,051 |
| Net loans and leases to core deposits | 103.1209% | 4,494 |
| Total domestic deposits to total assets | 81.7644% | 4,292 |
| Equity capital to assets | 8.5027% | 6,074 |
| Core capital (leverage) ratio | 8.8425% | 4,981 |
| Tier 1 risk-based capital ratio | 10.7356% | 5,968 |
| Total risk-based capital ratio | 11.9921% | 5,874 |
| Memoranda: | ||
| Average total assets | $768,118,400 | 885 |
| Average earning assets | $702,159,800 | 867 |
| Average equity | $74,053,000 | 894 |
| Average total loans | $647,169,000 | 739 |