Home > Maine Community Bank > Performance and Condition Ratios
Maine Community 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 | 4.6424% | 2,795 |
| Cost of funding earning assets | 1.3825% | 2,272 |
| Net interest margin | 3.2599% | 2,732 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.5388% | 2,195 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5470% | 3,577 |
| Return on assets (ROA) | 0.6232% | 3,362 |
| Pretax return on assets | 0.7768% | 3,266 |
| Return on Equity (ROE) | 4.8500% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.8542% | 2,649 |
| Net charge-offs to loans | -0.0019% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.5356% | 1,110 |
| Assets per employee ($millions) | 6.9529% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,531 |
| Loan loss allowance to noncurrent loans | 131.6345% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 895 |
| Noncurrent loans to loans | 0.7231% | 1,076 |
| Net loans and leases to total assets | 83.7500% | 289 |
| Net loans and leases to deposits | 111.6896% | 173 |
| Net loans and leases to core deposits | 126.3561% | 475 |
| Total domestic deposits to total assets | 74.9800% | 4,031 |
| Equity capital to assets | 12.8435% | 890 |
| Core capital (leverage) ratio | 13.6558% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,039,732,400 | 951 |
| Average earning assets | $970,573,600 | 932 |
| Average equity | $133,492,600 | 745 |
| Average total loans | $878,331,600 | 806 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 2,791 |
| Cost of funding earning assets | 1.2307% | 2,331 |
| Net interest margin | 3.3213% | 2,635 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.6225% | 1,871 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5501% | 3,662 |
| Return on assets (ROA) | 0.5847% | 3,569 |
| Pretax return on assets | 0.7270% | 3,494 |
| Return on Equity (ROE) | 4.5500% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.5541% | 3,082 |
| Net charge-offs to loans | -0.0058% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.6639% | 959 |
| Assets per employee ($millions) | 6.7305% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,673 |
| Loan loss allowance to noncurrent loans | 350.9911% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,152 |
| Noncurrent loans to loans | 0.2617% | 2,297 |
| Net loans and leases to total assets | 84.4000% | 253 |
| Net loans and leases to deposits | 111.6512% | 176 |
| Net loans and leases to core deposits | 124.0663% | 456 |
| Total domestic deposits to total assets | 75.5900% | 4,049 |
| Equity capital to assets | 12.4154% | 941 |
| Core capital (leverage) ratio | 13.8443% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,028,501,250 | 961 |
| Average earning assets | $960,309,750 | 939 |
| Average equity | $132,038,750 | 744 |
| Average total loans | $868,634,000 | 810 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 2,701 |
| Cost of funding earning assets | 1.0533% | 2,442 |
| Net interest margin | 3.4255% | 2,461 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6649% | 1,738 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5930% | 3,589 |
| Return on assets (ROA) | 0.6919% | 3,358 |
| Pretax return on assets | 0.8634% | 3,255 |
| Return on Equity (ROE) | 5.3300% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.3286% | 2,853 |
| Net charge-offs to loans | -0.0007% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.6670% | 1,027 |
| Assets per employee ($millions) | 6.8160% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,672 |
| Loan loss allowance to noncurrent loans | 413.1857% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 2,236 |
| Noncurrent loans to loans | 0.2264% | 2,358 |
| Net loans and leases to total assets | 83.9300% | 274 |
| Net loans and leases to deposits | 108.6245% | 231 |
| Net loans and leases to core deposits | 119.6037% | 524 |
| Total domestic deposits to total assets | 77.2600% | 3,921 |
| Equity capital to assets | 12.8766% | 840 |
| Core capital (leverage) ratio | 14.1461% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,016,863,667 | 960 |
| Average earning assets | $948,829,000 | 943 |
| Average equity | $132,042,667 | 739 |
| Average total loans | $856,231,667 | 808 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 2,405 |
| Cost of funding earning assets | 0.8335% | 2,587 |
| Net interest margin | 3.6298% | 2,057 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.6940% | 1,696 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7086% | 3,445 |
| Return on assets (ROA) | 0.7839% | 3,195 |
| Pretax return on assets | 0.9801% | 3,052 |
| Return on Equity (ROE) | 6.0100% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.0109% | 2,760 |
| Net charge-offs to loans | -0.0009% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4268% | 1,292 |
| Assets per employee ($millions) | 6.3142% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,636 |
| Loan loss allowance to noncurrent loans | 487.7088% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,340 |
| Noncurrent loans to loans | 0.1989% | 2,480 |
| Net loans and leases to total assets | 82.5900% | 317 |
| Net loans and leases to deposits | 100.1395% | 441 |
| Net loans and leases to core deposits | 110.3562% | 694 |
| Total domestic deposits to total assets | 82.4700% | 3,410 |
| Equity capital to assets | 13.1174% | 735 |
| Core capital (leverage) ratio | 14.1204% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,007,277,500 | 983 |
| Average earning assets | $939,676,000 | 966 |
| Average equity | $131,361,000 | 753 |
| Average total loans | $845,480,000 | 830 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 2,053 |
| Cost of funding earning assets | 0.3137% | 2,768 |
| Net interest margin | 3.5595% | 1,761 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.5355% | 2,008 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8984% | 2,968 |
| Return on assets (ROA) | 0.8242% | 3,174 |
| Pretax return on assets | 1.0251% | 3,001 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.3984% | 2,493 |
| Net charge-offs to loans | -0.0011% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9553% | 1,834 |
| Assets per employee ($millions) | 6.6072% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,661 |
| Loan loss allowance to noncurrent loans | 434.7253% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,282 |
| Noncurrent loans to loans | 0.2145% | 2,417 |
| Net loans and leases to total assets | 83.6900% | 281 |
| Net loans and leases to deposits | 101.4589% | 385 |
| Net loans and leases to core deposits | 109.4878% | 626 |
| Total domestic deposits to total assets | 82.4900% | 3,534 |
| Equity capital to assets | 12.9645% | 714 |
| Core capital (leverage) ratio | 13.9671% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,007,672,000 | 973 |
| Average earning assets | $943,368,400 | 957 |
| Average equity | $129,798,800 | 754 |
| Average total loans | $814,163,800 | 811 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 1,984 |
| Cost of funding earning assets | 0.2581% | 2,628 |
| Net interest margin | 3.4595% | 1,779 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.4809% | 2,068 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9023% | 2,855 |
| Return on assets (ROA) | 0.7591% | 3,334 |
| Pretax return on assets | 0.9414% | 3,204 |
| Return on Equity (ROE) | 5.9000% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.9028% | 2,781 |
| Net charge-offs to loans | -0.0010% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5216% | 1,953 |
| Assets per employee ($millions) | 6.8783% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,737 |
| Loan loss allowance to noncurrent loans | 402.7763% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,321 |
| Noncurrent loans to loans | 0.2334% | 2,455 |
| Net loans and leases to total assets | 81.6500% | 402 |
| Net loans and leases to deposits | 96.6096% | 528 |
| Net loans and leases to core deposits | 103.3703% | 678 |
| Total domestic deposits to total assets | 84.5200% | 3,383 |
| Equity capital to assets | 12.6214% | 746 |
| Core capital (leverage) ratio | 13.7091% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,008,517,750 | 977 |
| Average earning assets | $944,705,500 | 965 |
| Average equity | $129,698,250 | 765 |
| Average total loans | $805,598,500 | 817 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 1,869 |
| Cost of funding earning assets | 0.2342% | 2,455 |
| Net interest margin | 3.3585% | 1,729 |
| Noninterest income to average assets | 0.2290% | 3,818 |
| Noninterest expense to average assets | 2.4451% | 2,095 |
| Loan and lease loss provision to assets | 0.0208% | 2,229 |
| Net operating income to assets | 0.7388% | 3,183 |
| Return on assets (ROA) | 0.5589% | 3,691 |
| Pretax return on assets | 0.6913% | 3,600 |
| Return on Equity (ROE) | 4.3193% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.3193% | 2,966 |
| Net charge-offs to loans | -0.0003% | 2,969 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3540% | 1,701 |
| Assets per employee ($millions) | 6.1718% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,717 |
| Loan loss allowance to noncurrent loans | 399.1782% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 2,364 |
| Noncurrent loans to loans | 0.2435% | 2,510 |
| Net loans and leases to total assets | 79.2029% | 464 |
| Net loans and leases to deposits | 93.9316% | 522 |
| Net loans and leases to core deposits | 101.0217% | 626 |
| Total domestic deposits to total assets | 84.3198% | 3,620 |
| Equity capital to assets | 12.8660% | 683 |
| Core capital (leverage) ratio | 13.7131% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,007,653,000 | 973 |
| Average earning assets | $945,195,333 | 964 |
| Average equity | $130,392,333 | 771 |
| Average total loans | $796,323,000 | 809 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 1,847 |
| Cost of funding earning assets | 0.2321% | 2,367 |
| Net interest margin | 3.2567% | 1,695 |
| Noninterest income to average assets | 0.2266% | 3,795 |
| Noninterest expense to average assets | 2.4204% | 2,101 |
| Loan and lease loss provision to assets | 0.0316% | 1,794 |
| Net operating income to assets | 0.6808% | 3,124 |
| Return on assets (ROA) | 0.5825% | 3,436 |
| Pretax return on assets | 0.7217% | 3,328 |
| Return on Equity (ROE) | 4.4885% | 3,766 |
| Retained earnings to average equity (ytd only) | 4.4885% | 2,786 |
| Net charge-offs to loans | 0.0020% | 1,753 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 182 |
| Efficiency ratio | 73.4549% | 1,802 |
| Assets per employee ($millions) | 6.1482% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,829 |
| Loan loss allowance to noncurrent loans | 450.9027% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,592 |
| Noncurrent loans to loans | 0.2155% | 2,745 |
| Net loans and leases to total assets | 78.7331% | 318 |
| Net loans and leases to deposits | 93.1630% | 398 |
| Net loans and leases to core deposits | 100.3172% | 504 |
| Total domestic deposits to total assets | 84.5111% | 3,655 |
| Equity capital to assets | 12.9640% | 694 |
| Core capital (leverage) ratio | 13.5324% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,011,567,500 | 971 |
| Average earning assets | $953,121,000 | 960 |
| Average equity | $131,270,000 | 782 |
| Average total loans | $794,653,500 | 804 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 1,772 |
| Cost of funding earning assets | 0.2978% | 2,427 |
| Net interest margin | 3.5412% | 1,626 |
| Noninterest income to average assets | 0.1890% | 4,218 |
| Noninterest expense to average assets | 2.3792% | 2,553 |
| Loan and lease loss provision to assets | 0.0647% | 1,770 |
| Net operating income to assets | 0.8810% | 3,108 |
| Return on assets (ROA) | 0.9446% | 2,959 |
| Pretax return on assets | 1.1848% | 2,713 |
| Return on Equity (ROE) | 7.4749% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.4749% | 1,733 |
| Net charge-offs to loans | 0.0324% | 1,590 |
| Credit loss provision to net charge-offs | 243.2331% | 1,187 |
| Earnings coverage of net charge-offs (x) | 44.0150% | 1,375 |
| Efficiency ratio | 67.0364% | 2,120 |
| Assets per employee ($millions) | 6.3024% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,885 |
| Loan loss allowance to noncurrent loans | 498.0507% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,886 |
| Noncurrent loans to loans | 0.1942% | 2,980 |
| Net loans and leases to total assets | 76.8744% | 449 |
| Net loans and leases to deposits | 91.9511% | 478 |
| Net loans and leases to core deposits | 99.1765% | 575 |
| Total domestic deposits to total assets | 83.6036% | 3,663 |
| Equity capital to assets | 12.9895% | 901 |
| Core capital (leverage) ratio | 13.4012% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,000,736,800 | 959 |
| Average earning assets | $949,597,400 | 946 |
| Average equity | $126,463,600 | 821 |
| Average total loans | $822,081,600 | 783 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 1,786 |
| Cost of funding earning assets | 0.3138% | 2,467 |
| Net interest margin | 3.5795% | 1,649 |
| Noninterest income to average assets | 0.1756% | 4,324 |
| Noninterest expense to average assets | 2.3742% | 2,521 |
| Loan and lease loss provision to assets | 0.0867% | 1,370 |
| Net operating income to assets | 0.8879% | 3,283 |
| Return on assets (ROA) | 0.9210% | 3,249 |
| Pretax return on assets | 1.1550% | 3,063 |
| Return on Equity (ROE) | 7.3408% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.3408% | 2,297 |
| Net charge-offs to loans | 0.0006% | 2,431 |
| Credit loss provision to net charge-offs | 16,175.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 2,240.7500% | 64 |
| Efficiency ratio | 66.4219% | 2,043 |
| Assets per employee ($millions) | 6.3235% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,932 |
| Loan loss allowance to noncurrent loans | 438.7382% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,904 |
| Noncurrent loans to loans | 0.2219% | 3,062 |
| Net loans and leases to total assets | 80.7200% | 257 |
| Net loans and leases to deposits | 95.2802% | 370 |
| Net loans and leases to core deposits | 103.6717% | 467 |
| Total domestic deposits to total assets | 84.7185% | 3,210 |
| Equity capital to assets | 12.8224% | 1,046 |
| Core capital (leverage) ratio | 13.1513% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $995,674,500 | 975 |
| Average earning assets | $945,422,500 | 959 |
| Average equity | $124,924,250 | 843 |
| Average total loans | $829,466,500 | 792 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 1,871 |
| Cost of funding earning assets | 0.3334% | 2,461 |
| Net interest margin | 3.5467% | 1,728 |
| Noninterest income to average assets | 0.1235% | 4,585 |
| Noninterest expense to average assets | 2.3392% | 2,649 |
| Loan and lease loss provision to assets | 0.1653% | 706 |
| Net operating income to assets | 0.7884% | 3,538 |
| Return on assets (ROA) | 0.8307% | 3,493 |
| Pretax return on assets | 1.0395% | 3,356 |
| Return on Equity (ROE) | 6.6703% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.6703% | 2,555 |
| Net charge-offs to loans | -0.0024% | 3,230 |
| Credit loss provision to net charge-offs | -8,220.0000% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0046% | 2,013 |
| Assets per employee ($millions) | 6.3594% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,930 |
| Loan loss allowance to noncurrent loans | 511.1461% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 3,201 |
| Noncurrent loans to loans | 0.1896% | 3,282 |
| Net loans and leases to total assets | 82.5442% | 198 |
| Net loans and leases to deposits | 97.0267% | 353 |
| Net loans and leases to core deposits | 106.5683% | 458 |
| Total domestic deposits to total assets | 85.0737% | 3,060 |
| Equity capital to assets | 12.5156% | 1,125 |
| Core capital (leverage) ratio | 12.8014% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $994,529,000 | 972 |
| Average earning assets | $944,304,667 | 952 |
| Average equity | $123,862,333 | 848 |
| Average total loans | $834,485,333 | 791 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 1,821 |
| Cost of funding earning assets | 0.3582% | 2,460 |
| Net interest margin | 3.5463% | 1,709 |
| Noninterest income to average assets | 0.2001% | 4,186 |
| Noninterest expense to average assets | 2.2725% | 2,871 |
| Loan and lease loss provision to assets | 0.1694% | 735 |
| Net operating income to assets | 0.8935% | 3,139 |
| Return on assets (ROA) | 0.9096% | 3,182 |
| Pretax return on assets | 1.1405% | 3,010 |
| Return on Equity (ROE) | 7.3220% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.3220% | 2,471 |
| Net charge-offs to loans | -0.0029% | 3,216 |
| Credit loss provision to net charge-offs | -6,983.3333% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7953% | 2,492 |
| Assets per employee ($millions) | 5.9607% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,093 |
| Loan loss allowance to noncurrent loans | 316.2428% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 2,914 |
| Noncurrent loans to loans | 0.2919% | 3,057 |
| Net loans and leases to total assets | 82.6381% | 198 |
| Net loans and leases to deposits | 97.0491% | 375 |
| Net loans and leases to core deposits | 107.3126% | 472 |
| Total domestic deposits to total assets | 85.1508% | 3,044 |
| Equity capital to assets | 12.3434% | 1,131 |
| Core capital (leverage) ratio | 12.9376% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $989,402,500 | 961 |
| Average earning assets | $937,995,500 | 947 |
| Average equity | $122,916,500 | 845 |
| Average total loans | $832,975,000 | 785 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 1,849 |
| Cost of funding earning assets | 0.6772% | 1,836 |
| Net interest margin | 3.6297% | 2,043 |
| Noninterest income to average assets | 0.2733% | 3,841 |
| Noninterest expense to average assets | 2.3662% | 3,221 |
| Loan and lease loss provision to assets | 0.1920% | 2,033 |
| Net operating income to assets | 0.9275% | 2,577 |
| Return on assets (ROA) | 0.9542% | 2,612 |
| Pretax return on assets | 1.1848% | 2,383 |
| Return on Equity (ROE) | 7.8609% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.5208% | 1,194 |
| Net charge-offs to loans | 0.0008% | 3,401 |
| Credit loss provision to net charge-offs | 26,571.4286% | 36 |
| Earnings coverage of net charge-offs (x) | 1,860.0000% | 62 |
| Efficiency ratio | 63.7810% | 2,857 |
| Assets per employee ($millions) | 6.2655% | 2,109 |
| Cash dividends to net income (ytd only)* | 4.3262% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,255 |
| Loan loss allowance to noncurrent loans | 279.9769% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,972 |
| Noncurrent loans to loans | 0.3132% | 3,078 |
| Net loans and leases to total assets | 84.2453% | 163 |
| Net loans and leases to deposits | 99.3374% | 404 |
| Net loans and leases to core deposits | 110.9177% | 480 |
| Total domestic deposits to total assets | 84.8072% | 2,836 |
| Equity capital to assets | 12.5051% | 1,320 |
| Core capital (leverage) ratio | 12.7095% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $968,968,000 | 903 |
| Average earning assets | $917,441,200 | 887 |
| Average equity | $117,620,800 | 835 |
| Average total loans | $834,378,600 | 757 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,100 |
| Cost of funding earning assets | 0.7533% | 1,723 |
| Net interest margin | 3.5443% | 2,440 |
| Noninterest income to average assets | 0.3101% | 3,636 |
| Noninterest expense to average assets | 2.3984% | 3,140 |
| Loan and lease loss provision to assets | 0.2078% | 1,933 |
| Net operating income to assets | 0.8591% | 2,868 |
| Return on assets (ROA) | 0.8554% | 3,015 |
| Pretax return on assets | 1.0573% | 2,881 |
| Return on Equity (ROE) | 7.1010% | 3,155 |
| Retained earnings to average equity (ytd only) | 6.6431% | 1,834 |
| Net charge-offs to loans | -0.0030% | 3,951 |
| Credit loss provision to net charge-offs | -7,931.5789% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3859% | 2,537 |
| Assets per employee ($millions) | 6.2328% | 2,062 |
| Cash dividends to net income (ytd only)* | 6.4485% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,347 |
| Loan loss allowance to noncurrent loans | 286.2197% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 3,202 |
| Noncurrent loans to loans | 0.2821% | 3,274 |
| Net loans and leases to total assets | 86.8132% | 114 |
| Net loans and leases to deposits | 105.3032% | 345 |
| Net loans and leases to core deposits | 118.5884% | 446 |
| Total domestic deposits to total assets | 82.4412% | 3,302 |
| Equity capital to assets | 12.1882% | 1,579 |
| Core capital (leverage) ratio | 12.5350% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,856,500 | 896 |
| Average earning assets | $915,995,250 | 876 |
| Average equity | $116,469,250 | 842 |
| Average total loans | $835,295,750 | 751 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,307 |
| Cost of funding earning assets | 0.8535% | 1,583 |
| Net interest margin | 3.5092% | 2,756 |
| Noninterest income to average assets | 0.2962% | 3,698 |
| Noninterest expense to average assets | 2.3302% | 3,452 |
| Loan and lease loss provision to assets | 0.2818% | 1,526 |
| Net operating income to assets | 0.8075% | 3,019 |
| Return on assets (ROA) | 0.7658% | 3,281 |
| Pretax return on assets | 0.9525% | 3,170 |
| Return on Equity (ROE) | 6.3825% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.3825% | 1,905 |
| Net charge-offs to loans | 0.0051% | 2,786 |
| Credit loss provision to net charge-offs | 6,447.6190% | 181 |
| Earnings coverage of net charge-offs (x) | 294.3333% | 324 |
| Efficiency ratio | 64.4279% | 2,764 |
| Assets per employee ($millions) | 6.2330% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,386 |
| Loan loss allowance to noncurrent loans | 321.8839% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 3,464 |
| Noncurrent loans to loans | 0.2428% | 3,511 |
| Net loans and leases to total assets | 86.6776% | 108 |
| Net loans and leases to deposits | 107.1536% | 283 |
| Net loans and leases to core deposits | 121.6374% | 384 |
| Total domestic deposits to total assets | 80.8910% | 3,633 |
| Equity capital to assets | 11.9157% | 1,718 |
| Core capital (leverage) ratio | 12.1803% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $960,882,000 | 887 |
| Average earning assets | $909,207,333 | 869 |
| Average equity | $115,283,333 | 844 |
| Average total loans | $826,435,333 | 755 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 2,488 |
| Cost of funding earning assets | 1.0024% | 1,411 |
| Net interest margin | 3.4331% | 3,203 |
| Noninterest income to average assets | 0.2305% | 4,167 |
| Noninterest expense to average assets | 2.5925% | 3,000 |
| Loan and lease loss provision to assets | 0.3603% | 853 |
| Net operating income to assets | 0.4477% | 4,023 |
| Return on assets (ROA) | 0.2339% | 4,494 |
| Pretax return on assets | 0.2719% | 4,494 |
| Return on Equity (ROE) | 1.9424% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.9424% | 3,465 |
| Net charge-offs to loans | -0.0015% | 3,626 |
| Credit loss provision to net charge-offs | -28,400.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6378% | 1,732 |
| Assets per employee ($millions) | 6.3328% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,453 |
| Loan loss allowance to noncurrent loans | 294.9812% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,561 |
| Noncurrent loans to loans | 0.2647% | 3,546 |
| Net loans and leases to total assets | 84.1148% | 257 |
| Net loans and leases to deposits | 111.9610% | 162 |
| Net loans and leases to core deposits | 130.1706% | 267 |
| Total domestic deposits to total assets | 75.1287% | 4,576 |
| Equity capital to assets | 12.0873% | 2,005 |
| Core capital (leverage) ratio | 12.3083% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $945,798,000 | 870 |
| Average earning assets | $893,427,500 | 849 |
| Average equity | $113,879,500 | 843 |
| Average total loans | $806,761,000 | 743 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 3,098 |
| Cost of funding earning assets | 1.1350% | 1,210 |
| Net interest margin | 3.3216% | 3,941 |
| Noninterest income to average assets | 0.2708% | 4,056 |
| Noninterest expense to average assets | 2.4386% | 3,597 |
| Loan and lease loss provision to assets | 0.0713% | 2,573 |
| Net operating income to assets | 0.7124% | 3,833 |
| Return on assets (ROA) | 1.1015% | 2,537 |
| Pretax return on assets | 1.3718% | 2,262 |
| Return on Equity (ROE) | 10.3999% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.3999% | 420 |
| Net charge-offs to loans | -0.0002% | 4,132 |
| Credit loss provision to net charge-offs | -36,000.0000% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8228% | 1,895 |
| Assets per employee ($millions) | 12.3089% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 4,832 |
| Loan loss allowance to noncurrent loans | 500.0000% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 4,152 |
| Noncurrent loans to loans | 0.1087% | 4,093 |
| Net loans and leases to total assets | 86.3720% | 148 |
| Net loans and leases to deposits | 116.2694% | 110 |
| Net loans and leases to core deposits | 131.2607% | 258 |
| Total domestic deposits to total assets | 74.2861% | 4,757 |
| Equity capital to assets | 11.0251% | 2,972 |
| Core capital (leverage) ratio | 11.3051% | 2,243 |
| Tier 1 risk-based capital ratio | 14.2831% | 3,129 |
| Total risk-based capital ratio | 14.9039% | 3,347 |
| Memoranda: | ||
| Average total assets | $504,753,600 | 1,413 |
| Average earning assets | $474,805,800 | 1,402 |
| Average equity | $53,461,800 | 1,510 |
| Average total loans | $437,246,200 | 1,185 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 3,166 |
| Cost of funding earning assets | 1.1572% | 1,148 |
| Net interest margin | 3.3081% | 4,076 |
| Noninterest income to average assets | 0.2557% | 4,208 |
| Noninterest expense to average assets | 2.4899% | 3,462 |
| Loan and lease loss provision to assets | 0.0718% | 2,443 |
| Net operating income to assets | 0.6490% | 4,161 |
| Return on assets (ROA) | 1.0306% | 2,940 |
| Pretax return on assets | 1.2807% | 2,726 |
| Return on Equity (ROE) | 9.8340% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.8340% | 794 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9872% | 1,573 |
| Assets per employee ($millions) | 10.2990% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 4,915 |
| Loan loss allowance to noncurrent loans | 245.3027% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,809 |
| Noncurrent loans to loans | 0.2193% | 3,756 |
| Net loans and leases to total assets | 86.1107% | 186 |
| Net loans and leases to deposits | 112.3385% | 171 |
| Net loans and leases to core deposits | 126.7449% | 353 |
| Total domestic deposits to total assets | 76.6529% | 4,565 |
| Equity capital to assets | 10.8346% | 3,265 |
| Core capital (leverage) ratio | 11.1214% | 2,539 |
| Tier 1 risk-based capital ratio | 14.3425% | 3,160 |
| Total risk-based capital ratio | 14.9612% | 3,380 |
| Memoranda: | ||
| Average total assets | $501,698,750 | 1,427 |
| Average earning assets | $471,597,750 | 1,413 |
| Average equity | $52,578,000 | 1,530 |
| Average total loans | $434,317,750 | 1,199 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 3,194 |
| Cost of funding earning assets | 1.1542% | 1,123 |
| Net interest margin | 3.2912% | 4,163 |
| Noninterest income to average assets | 0.2425% | 4,302 |
| Noninterest expense to average assets | 2.5224% | 3,407 |
| Loan and lease loss provision to assets | 0.0719% | 2,376 |
| Net operating income to assets | 0.5970% | 4,312 |
| Return on assets (ROA) | 1.1348% | 2,469 |
| Pretax return on assets | 1.4140% | 2,157 |
| Return on Equity (ROE) | 10.9525% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.9525% | 549 |
| Net charge-offs to loans | -0.0005% | 3,867 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6106% | 1,447 |
| Assets per employee ($millions) | 11.4018% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 4,993 |
| Loan loss allowance to noncurrent loans | 466.9421% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,272 |
| Noncurrent loans to loans | 0.1110% | 4,173 |
| Net loans and leases to total assets | 86.4354% | 184 |
| Net loans and leases to deposits | 114.3860% | 138 |
| Net loans and leases to core deposits | 128.7441% | 347 |
| Total domestic deposits to total assets | 75.5647% | 4,718 |
| Equity capital to assets | 10.6578% | 3,375 |
| Core capital (leverage) ratio | 10.9888% | 2,610 |
| Tier 1 risk-based capital ratio | 14.3505% | 3,142 |
| Total risk-based capital ratio | 14.9560% | 3,370 |
| Memoranda: | ||
| Average total assets | $500,714,000 | 1,428 |
| Average earning assets | $470,644,330 | 1,412 |
| Average equity | $51,878,330 | 1,541 |
| Average total loans | $433,453,670 | 1,200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 3,132 |
| Cost of funding earning assets | 1.1354% | 1,076 |
| Net interest margin | 3.2895% | 4,185 |
| Noninterest income to average assets | 0.2287% | 4,368 |
| Noninterest expense to average assets | 2.6124% | 3,179 |
| Loan and lease loss provision to assets | 0.0720% | 2,230 |
| Net operating income to assets | 0.5087% | 4,496 |
| Return on assets (ROA) | 1.2802% | 1,815 |
| Pretax return on assets | 1.5993% | 1,473 |
| Return on Equity (ROE) | 12.5363% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.5363% | 536 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7039% | 1,194 |
| Assets per employee ($millions) | 10.7260% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 5,079 |
| Loan loss allowance to noncurrent loans | 487.4157% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,374 |
| Noncurrent loans to loans | 0.1029% | 4,275 |
| Net loans and leases to total assets | 85.3734% | 247 |
| Net loans and leases to deposits | 113.0621% | 161 |
| Net loans and leases to core deposits | 127.0451% | 358 |
| Total domestic deposits to total assets | 75.5102% | 4,815 |
| Equity capital to assets | 10.3215% | 3,505 |
| Core capital (leverage) ratio | 10.7414% | 2,813 |
| Tier 1 risk-based capital ratio | 13.4114% | 3,657 |
| Total risk-based capital ratio | 13.9686% | 3,927 |
| Memoranda: | ||
| Average total assets | $500,231,500 | 1,436 |
| Average earning assets | $469,975,500 | 1,420 |
| Average equity | $51,083,500 | 1,550 |
| Average total loans | $432,236,500 | 1,205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 3,020 |
| Cost of funding earning assets | 0.9593% | 888 |
| Net interest margin | 3.3675% | 4,083 |
| Noninterest income to average assets | 0.2293% | 4,539 |
| Noninterest expense to average assets | 2.4765% | 3,682 |
| Loan and lease loss provision to assets | 0.0729% | 2,675 |
| Net operating income to assets | 0.6913% | 4,160 |
| Return on assets (ROA) | 0.7163% | 4,102 |
| Pretax return on assets | 0.8775% | 3,957 |
| Return on Equity (ROE) | 7.2506% | 3,747 |
| Retained earnings to average equity (ytd only) | 7.2506% | 1,560 |
| Net charge-offs to loans | 0.0389% | 2,622 |
| Credit loss provision to net charge-offs | 215.5689% | 1,343 |
| Earnings coverage of net charge-offs (x) | 27.1976% | 1,695 |
| Efficiency ratio | 72.9159% | 1,783 |
| Assets per employee ($millions) | 10.3404% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 5,140 |
| Loan loss allowance to noncurrent loans | 597.4138% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,473 |
| Noncurrent loans to loans | 0.0806% | 4,389 |
| Net loans and leases to total assets | 86.6015% | 202 |
| Net loans and leases to deposits | 118.2782% | 114 |
| Net loans and leases to core deposits | 133.3481% | 270 |
| Total domestic deposits to total assets | 73.2185% | 4,995 |
| Equity capital to assets | 10.1008% | 3,571 |
| Core capital (leverage) ratio | 10.1912% | 3,366 |
| Tier 1 risk-based capital ratio | 13.0237% | 3,836 |
| Total risk-based capital ratio | 13.8541% | 3,954 |
| Memoranda: | ||
| Average total assets | $493,768,800 | 1,425 |
| Average earning assets | $464,383,000 | 1,406 |
| Average equity | $48,782,200 | 1,545 |
| Average total loans | $429,280,600 | 1,181 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,983 |
| Cost of funding earning assets | 0.9147% | 865 |
| Net interest margin | 3.3801% | 4,062 |
| Noninterest income to average assets | 0.2214% | 4,638 |
| Noninterest expense to average assets | 2.3774% | 3,905 |
| Loan and lease loss provision to assets | 0.0730% | 2,492 |
| Net operating income to assets | 0.7679% | 4,018 |
| Return on assets (ROA) | 0.7909% | 3,950 |
| Pretax return on assets | 0.9777% | 3,788 |
| Return on Equity (ROE) | 8.0503% | 3,532 |
| Retained earnings to average equity (ytd only) | 8.0503% | 1,624 |
| Net charge-offs to loans | 0.0435% | 2,224 |
| Credit loss provision to net charge-offs | 192.8571% | 1,424 |
| Earnings coverage of net charge-offs (x) | 27.0074% | 1,717 |
| Efficiency ratio | 69.9300% | 2,195 |
| Assets per employee ($millions) | 11.0196% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 5,226 |
| Loan loss allowance to noncurrent loans | 843.5146% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,729 |
| Noncurrent loans to loans | 0.0555% | 4,642 |
| Net loans and leases to total assets | 86.4569% | 222 |
| Net loans and leases to deposits | 113.6966% | 191 |
| Net loans and leases to core deposits | 127.6818% | 375 |
| Total domestic deposits to total assets | 76.0418% | 4,786 |
| Equity capital to assets | 10.0876% | 3,551 |
| Core capital (leverage) ratio | 10.0772% | 3,549 |
| Tier 1 risk-based capital ratio | 13.0134% | 3,897 |
| Total risk-based capital ratio | 13.9678% | 3,970 |
| Memoranda: | ||
| Average total assets | $493,126,250 | 1,431 |
| Average earning assets | $463,686,750 | 1,410 |
| Average equity | $48,444,250 | 1,555 |
| Average total loans | $428,621,750 | 1,186 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 2,910 |
| Cost of funding earning assets | 0.8803% | 792 |
| Net interest margin | 3.3791% | 4,021 |
| Noninterest income to average assets | 0.2084% | 4,766 |
| Noninterest expense to average assets | 2.3754% | 3,965 |
| Loan and lease loss provision to assets | 0.0731% | 2,423 |
| Net operating income to assets | 0.7636% | 3,983 |
| Return on assets (ROA) | 0.7915% | 3,884 |
| Pretax return on assets | 0.9748% | 3,733 |
| Return on Equity (ROE) | 8.1306% | 3,443 |
| Retained earnings to average equity (ytd only) | 8.1306% | 1,567 |
| Net charge-offs to loans | 0.0070% | 2,881 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 166.2667% | 477 |
| Efficiency ratio | 70.0959% | 2,296 |
| Assets per employee ($millions) | 10.6403% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 5,291 |
| Loan loss allowance to noncurrent loans | 544.0318% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,632 |
| Noncurrent loans to loans | 0.0873% | 4,517 |
| Net loans and leases to total assets | 85.9755% | 267 |
| Net loans and leases to deposits | 114.0520% | 195 |
| Net loans and leases to core deposits | 125.9532% | 409 |
| Total domestic deposits to total assets | 75.3827% | 4,919 |
| Equity capital to assets | 9.7358% | 3,883 |
| Core capital (leverage) ratio | 9.8884% | 3,696 |
| Tier 1 risk-based capital ratio | 12.7747% | 4,021 |
| Total risk-based capital ratio | 13.6644% | 4,132 |
| Memoranda: | ||
| Average total assets | $492,207,000 | 1,437 |
| Average earning assets | $463,261,670 | 1,413 |
| Average equity | $47,918,000 | 1,573 |
| Average total loans | $427,915,000 | 1,190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 2,791 |
| Cost of funding earning assets | 0.8032% | 938 |
| Net interest margin | 3.4250% | 3,795 |
| Noninterest income to average assets | 0.2441% | 4,542 |
| Noninterest expense to average assets | 2.4192% | 3,894 |
| Loan and lease loss provision to assets | 0.0737% | 2,293 |
| Net operating income to assets | 0.7955% | 3,720 |
| Return on assets (ROA) | 0.7955% | 3,728 |
| Pretax return on assets | 0.9790% | 3,604 |
| Return on Equity (ROE) | 8.1712% | 3,310 |
| Retained earnings to average equity (ytd only) | 8.1712% | 1,777 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6791% | 2,530 |
| Assets per employee ($millions) | 11.5330% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 5,382 |
| Loan loss allowance to noncurrent loans | 496.4824% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 4,685 |
| Noncurrent loans to loans | 0.0922% | 4,561 |
| Net loans and leases to total assets | 86.6408% | 216 |
| Net loans and leases to deposits | 119.4465% | 119 |
| Net loans and leases to core deposits | 139.5601% | 219 |
| Total domestic deposits to total assets | 72.5352% | 5,249 |
| Equity capital to assets | 9.6282% | 3,964 |
| Core capital (leverage) ratio | 9.8582% | 3,699 |
| Tier 1 risk-based capital ratio | 12.5648% | 4,202 |
| Total risk-based capital ratio | 13.4318% | 4,343 |
| Memoranda: | ||
| Average total assets | $488,263,000 | 1,450 |
| Average earning assets | $460,152,500 | 1,431 |
| Average equity | $47,533,000 | 1,595 |
| Average total loans | $425,867,500 | 1,202 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,541 |
| Cost of funding earning assets | 0.7012% | 1,010 |
| Net interest margin | 3.5378% | 3,388 |
| Noninterest income to average assets | 0.2564% | 4,600 |
| Noninterest expense to average assets | 2.4757% | 3,863 |
| Loan and lease loss provision to assets | 0.0615% | 2,999 |
| Net operating income to assets | 0.7807% | 3,247 |
| Return on assets (ROA) | 0.7964% | 3,216 |
| Pretax return on assets | 1.0779% | 3,273 |
| Return on Equity (ROE) | 8.2958% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.0724% | 737 |
| Net charge-offs to loans | 0.0319% | 3,155 |
| Credit loss provision to net charge-offs | 222.4806% | 1,237 |
| Earnings coverage of net charge-offs (x) | 40.4264% | 1,255 |
| Efficiency ratio | 68.8861% | 2,722 |
| Assets per employee ($millions) | 10.2257% | 299 |
| Cash dividends to net income (ytd only)* | 2.6925% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 5,449 |
| Loan loss allowance to noncurrent loans | 561.3095% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 4,773 |
| Noncurrent loans to loans | 0.0800% | 4,637 |
| Net loans and leases to total assets | 87.0160% | 188 |
| Net loans and leases to deposits | 117.6869% | 134 |
| Net loans and leases to core deposits | 136.2475% | 247 |
| Total domestic deposits to total assets | 73.9386% | 5,186 |
| Equity capital to assets | 9.8455% | 3,873 |
| Core capital (leverage) ratio | 9.9484% | 3,521 |
| Tier 1 risk-based capital ratio | 12.8495% | 4,004 |
| Total risk-based capital ratio | 13.7566% | 4,103 |
| Memoranda: | ||
| Average total assets | $466,370,200 | 1,488 |
| Average earning assets | $439,965,000 | 1,470 |
| Average equity | $44,769,800 | 1,668 |
| Average total loans | $404,089,800 | 1,222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,462 |
| Cost of funding earning assets | 0.6936% | 992 |
| Net interest margin | 3.5494% | 3,323 |
| Noninterest income to average assets | 0.2624% | 4,631 |
| Noninterest expense to average assets | 2.4928% | 3,762 |
| Loan and lease loss provision to assets | 0.0654% | 2,763 |
| Net operating income to assets | 0.7287% | 3,826 |
| Return on assets (ROA) | 0.7456% | 3,823 |
| Pretax return on assets | 1.0754% | 3,400 |
| Return on Equity (ROE) | 7.8186% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.5165% | 1,426 |
| Net charge-offs to loans | 0.0370% | 2,699 |
| Credit loss provision to net charge-offs | 204.5045% | 1,326 |
| Earnings coverage of net charge-offs (x) | 34.9091% | 1,426 |
| Efficiency ratio | 69.0693% | 2,698 |
| Assets per employee ($millions) | 9.5753% | 360 |
| Cash dividends to net income (ytd only)* | 3.8640% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4517% | 5,514 |
| Loan loss allowance to noncurrent loans | 388.2105% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,730 |
| Noncurrent loans to loans | 0.1164% | 4,593 |
| Net loans and leases to total assets | 86.6135% | 221 |
| Net loans and leases to deposits | 113.5012% | 195 |
| Net loans and leases to core deposits | 131.8661% | 312 |
| Total domestic deposits to total assets | 76.3106% | 4,984 |
| Equity capital to assets | 9.7562% | 4,184 |
| Core capital (leverage) ratio | 9.8324% | 3,779 |
| Tier 1 risk-based capital ratio | 12.9299% | 4,060 |
| Total risk-based capital ratio | 13.8010% | 4,194 |
| Memoranda: | ||
| Average total assets | $462,811,000 | 1,512 |
| Average earning assets | $436,377,500 | 1,495 |
| Average equity | $44,132,750 | 1,701 |
| Average total loans | $400,089,500 | 1,240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 2,395 |
| Cost of funding earning assets | 0.6820% | 981 |
| Net interest margin | 3.5389% | 3,258 |
| Noninterest income to average assets | 0.2653% | 4,643 |
| Noninterest expense to average assets | 2.5293% | 3,665 |
| Loan and lease loss provision to assets | 0.0725% | 2,524 |
| Net operating income to assets | 0.6973% | 3,868 |
| Return on assets (ROA) | 0.7228% | 3,816 |
| Pretax return on assets | 1.0341% | 3,432 |
| Return on Equity (ROE) | 7.6402% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.1813% | 1,506 |
| Net charge-offs to loans | 0.0483% | 2,248 |
| Credit loss provision to net charge-offs | 173.9583% | 1,383 |
| Earnings coverage of net charge-offs (x) | 25.6771% | 1,599 |
| Efficiency ratio | 70.2690% | 2,629 |
| Assets per employee ($millions) | 5.9727% | 1,486 |
| Cash dividends to net income (ytd only)* | 6.0060% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4415% | 5,574 |
| Loan loss allowance to noncurrent loans | 195.9695% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 4,396 |
| Noncurrent loans to loans | 0.2253% | 4,221 |
| Net loans and leases to total assets | 85.9778% | 275 |
| Net loans and leases to deposits | 116.5586% | 144 |
| Net loans and leases to core deposits | 137.3315% | 214 |
| Total domestic deposits to total assets | 73.7635% | 5,314 |
| Equity capital to assets | 9.4822% | 4,416 |
| Core capital (leverage) ratio | 9.7209% | 3,871 |
| Tier 1 risk-based capital ratio | 12.6372% | 4,221 |
| Total risk-based capital ratio | 13.4577% | 4,369 |
| Memoranda: | ||
| Average total assets | $460,685,000 | 1,522 |
| Average earning assets | $434,038,330 | 1,507 |
| Average equity | $43,585,330 | 1,715 |
| Average total loans | $397,377,670 | 1,248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 2,344 |
| Cost of funding earning assets | 0.6617% | 1,020 |
| Net interest margin | 3.5173% | 3,212 |
| Noninterest income to average assets | 0.2558% | 4,704 |
| Noninterest expense to average assets | 2.5295% | 3,717 |
| Loan and lease loss provision to assets | 0.0826% | 2,167 |
| Net operating income to assets | 0.6754% | 3,808 |
| Return on assets (ROA) | 0.6926% | 3,781 |
| Pretax return on assets | 0.9853% | 3,427 |
| Return on Equity (ROE) | 7.3290% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.3290% | 1,729 |
| Net charge-offs to loans | 0.0979% | 1,385 |
| Credit loss provision to net charge-offs | 97.9167% | 1,636 |
| Earnings coverage of net charge-offs (x) | 12.3646% | 1,843 |
| Efficiency ratio | 70.7995% | 2,779 |
| Assets per employee ($millions) | 6.1484% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4341% | 5,659 |
| Loan loss allowance to noncurrent loans | 101.8890% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,729 |
| Noncurrent loans to loans | 0.4261% | 3,566 |
| Net loans and leases to total assets | 85.8462% | 234 |
| Net loans and leases to deposits | 114.3814% | 142 |
| Net loans and leases to core deposits | 133.3220% | 222 |
| Total domestic deposits to total assets | 75.0525% | 5,328 |
| Equity capital to assets | 9.4394% | 4,352 |
| Core capital (leverage) ratio | 9.7737% | 3,785 |
| Tier 1 risk-based capital ratio | 12.0719% | 4,665 |
| Total risk-based capital ratio | 12.8120% | 4,893 |
| Memoranda: | ||
| Average total assets | $455,106,000 | 1,554 |
| Average earning assets | $429,192,000 | 1,528 |
| Average equity | $43,007,500 | 1,738 |
| Average total loans | $392,327,000 | 1,266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,663 |
| Cost of funding earning assets | 0.6642% | 981 |
| Net interest margin | 3.4848% | 3,492 |
| Noninterest income to average assets | 0.2879% | 4,680 |
| Noninterest expense to average assets | 2.6267% | 3,599 |
| Loan and lease loss provision to assets | 0.0508% | 3,372 |
| Net operating income to assets | 0.6434% | 4,029 |
| Return on assets (ROA) | 0.6452% | 4,130 |
| Pretax return on assets | 0.8895% | 3,884 |
| Return on Equity (ROE) | 6.7380% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.7380% | 1,341 |
| Net charge-offs to loans | -0.0358% | 5,308 |
| Credit loss provision to net charge-offs | -166.4122% | 4,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6904% | 2,323 |
| Assets per employee ($millions) | 5.9089% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4464% | 5,705 |
| Loan loss allowance to noncurrent loans | 93.7093% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,633 |
| Noncurrent loans to loans | 0.4764% | 3,442 |
| Net loans and leases to total assets | 85.8056% | 244 |
| Net loans and leases to deposits | 113.5221% | 166 |
| Net loans and leases to core deposits | 133.5145% | 243 |
| Total domestic deposits to total assets | 75.5849% | 5,285 |
| Equity capital to assets | 9.4609% | 4,310 |
| Core capital (leverage) ratio | 9.8928% | 3,639 |
| Tier 1 risk-based capital ratio | 12.0729% | 4,677 |
| Total risk-based capital ratio | 12.7746% | 4,940 |
| Memoranda: | ||
| Average total assets | $428,985,400 | 1,583 |
| Average earning assets | $403,357,000 | 1,554 |
| Average equity | $41,080,400 | 1,801 |
| Average total loans | $365,914,200 | 1,288 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 2,625 |
| Cost of funding earning assets | 0.6720% | 940 |
| Net interest margin | 3.4938% | 3,493 |
| Noninterest income to average assets | 0.2764% | 4,793 |
| Noninterest expense to average assets | 2.6278% | 3,572 |
| Loan and lease loss provision to assets | 0.0503% | 3,239 |
| Net operating income to assets | 0.6369% | 4,132 |
| Return on assets (ROA) | 0.6444% | 4,232 |
| Pretax return on assets | 0.8900% | 4,015 |
| Return on Equity (ROE) | 6.7076% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.7076% | 1,780 |
| Net charge-offs to loans | -0.0492% | 5,361 |
| Credit loss provision to net charge-offs | -120.3008% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8619% | 2,308 |
| Assets per employee ($millions) | 5.6353% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 5,765 |
| Loan loss allowance to noncurrent loans | 98.4688% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 3,855 |
| Noncurrent loans to loans | 0.4577% | 3,643 |
| Net loans and leases to total assets | 85.1153% | 317 |
| Net loans and leases to deposits | 109.2468% | 272 |
| Net loans and leases to core deposits | 125.7582% | 376 |
| Total domestic deposits to total assets | 77.9110% | 4,928 |
| Equity capital to assets | 9.6928% | 4,471 |
| Core capital (leverage) ratio | 9.8216% | 3,786 |
| Tier 1 risk-based capital ratio | 12.3483% | 4,575 |
| Total risk-based capital ratio | 13.0562% | 4,808 |
| Memoranda: | ||
| Average total assets | $423,962,000 | 1,605 |
| Average earning assets | $398,182,750 | 1,576 |
| Average equity | $40,728,750 | 1,837 |
| Average total loans | $360,627,000 | 1,304 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 2,717 |
| Cost of funding earning assets | 0.6783% | 903 |
| Net interest margin | 3.4624% | 3,635 |
| Noninterest income to average assets | 0.2468% | 5,000 |
| Noninterest expense to average assets | 2.6949% | 3,414 |
| Loan and lease loss provision to assets | 0.0571% | 2,995 |
| Net operating income to assets | 0.5525% | 4,472 |
| Return on assets (ROA) | 0.5539% | 4,581 |
| Pretax return on assets | 0.7489% | 4,459 |
| Return on Equity (ROE) | 5.7837% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.7837% | 2,250 |
| Net charge-offs to loans | -0.0745% | 5,518 |
| Credit loss provision to net charge-offs | -90.2256% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0213% | 1,928 |
| Assets per employee ($millions) | 5.4741% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 5,851 |
| Loan loss allowance to noncurrent loans | 64.0251% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 3,255 |
| Noncurrent loans to loans | 0.6955% | 2,993 |
| Net loans and leases to total assets | 84.3704% | 393 |
| Net loans and leases to deposits | 111.5635% | 214 |
| Net loans and leases to core deposits | 126.1972% | 369 |
| Total domestic deposits to total assets | 75.6254% | 5,337 |
| Equity capital to assets | 9.5231% | 4,747 |
| Core capital (leverage) ratio | 9.8854% | 3,704 |
| Tier 1 risk-based capital ratio | 12.1596% | 4,723 |
| Total risk-based capital ratio | 12.8516% | 4,989 |
| Memoranda: | ||
| Average total assets | $420,642,330 | 1,616 |
| Average earning assets | $395,102,330 | 1,592 |
| Average equity | $40,285,330 | 1,844 |
| Average total loans | $357,167,670 | 1,310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 2,676 |
| Cost of funding earning assets | 0.6856% | 866 |
| Net interest margin | 3.4569% | 3,637 |
| Noninterest income to average assets | 0.2479% | 4,959 |
| Noninterest expense to average assets | 2.7757% | 3,164 |
| Loan and lease loss provision to assets | 0.0579% | 2,793 |
| Net operating income to assets | 0.4996% | 4,629 |
| Return on assets (ROA) | 0.5025% | 4,720 |
| Pretax return on assets | 0.6664% | 4,633 |
| Return on Equity (ROE) | 5.2314% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.2314% | 2,799 |
| Net charge-offs to loans | 0.0068% | 2,885 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 460 |
| Efficiency ratio | 79.3931% | 1,685 |
| Assets per employee ($millions) | 5.3780% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4031% | 5,949 |
| Loan loss allowance to noncurrent loans | 50.1926% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 3,017 |
| Noncurrent loans to loans | 0.8032% | 2,827 |
| Net loans and leases to total assets | 84.3996% | 334 |
| Net loans and leases to deposits | 114.8193% | 138 |
| Net loans and leases to core deposits | 130.1769% | 267 |
| Total domestic deposits to total assets | 73.5064% | 5,656 |
| Equity capital to assets | 9.5689% | 4,600 |
| Core capital (leverage) ratio | 9.9397% | 3,612 |
| Tier 1 risk-based capital ratio | 12.2621% | 4,744 |
| Total risk-based capital ratio | 12.8891% | 5,057 |
| Memoranda: | ||
| Average total assets | $414,736,000 | 1,637 |
| Average earning assets | $389,718,000 | 1,609 |
| Average equity | $39,836,500 | 1,858 |
| Average total loans | $352,503,500 | 1,318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,714 |
| Cost of funding earning assets | 0.6672% | 977 |
| Net interest margin | 3.4897% | 3,559 |
| Noninterest income to average assets | 0.3390% | 4,483 |
| Noninterest expense to average assets | 2.8955% | 2,874 |
| Loan and lease loss provision to assets | 0.0139% | 4,126 |
| Net operating income to assets | 0.4955% | 4,708 |
| Return on assets (ROA) | 0.5905% | 4,420 |
| Pretax return on assets | 0.8343% | 4,093 |
| Return on Equity (ROE) | 6.0555% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.0555% | 1,764 |
| Net charge-offs to loans | -0.0006% | 4,822 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2123% | 1,644 |
| Assets per employee ($millions) | 5.5404% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3945% | 6,000 |
| Loan loss allowance to noncurrent loans | 47.5517% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 2,927 |
| Noncurrent loans to loans | 0.8297% | 2,719 |
| Net loans and leases to total assets | 84.9176% | 321 |
| Net loans and leases to deposits | 116.4204% | 137 |
| Net loans and leases to core deposits | 128.9962% | 283 |
| Total domestic deposits to total assets | 72.9405% | 5,731 |
| Equity capital to assets | 9.6425% | 4,383 |
| Core capital (leverage) ratio | 9.9206% | 3,618 |
| Tier 1 risk-based capital ratio | 12.4141% | 4,689 |
| Total risk-based capital ratio | 13.0172% | 5,012 |
| Memoranda: | ||
| Average total assets | $396,755,200 | 1,664 |
| Average earning assets | $371,869,200 | 1,633 |
| Average equity | $38,692,000 | 1,857 |
| Average total loans | $332,934,000 | 1,344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 2,801 |
| Cost of funding earning assets | 0.6631% | 1,013 |
| Net interest margin | 3.4701% | 3,667 |
| Noninterest income to average assets | 0.3541% | 4,408 |
| Noninterest expense to average assets | 2.9296% | 2,746 |
| Loan and lease loss provision to assets | 0.0186% | 3,900 |
| Net operating income to assets | 0.4411% | 5,004 |
| Return on assets (ROA) | 0.5585% | 4,653 |
| Pretax return on assets | 0.8299% | 4,243 |
| Return on Equity (ROE) | 5.7099% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.7099% | 2,434 |
| Net charge-offs to loans | -0.0028% | 4,746 |
| Credit loss provision to net charge-offs | -785.7143% | 5,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3111% | 1,488 |
| Assets per employee ($millions) | 5.4541% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3995% | 6,089 |
| Loan loss allowance to noncurrent loans | 45.1550% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 3,030 |
| Noncurrent loans to loans | 0.8846% | 2,769 |
| Net loans and leases to total assets | 84.3611% | 361 |
| Net loans and leases to deposits | 117.7632% | 127 |
| Net loans and leases to core deposits | 128.3594% | 303 |
| Total domestic deposits to total assets | 71.6362% | 5,889 |
| Equity capital to assets | 9.5307% | 4,716 |
| Core capital (leverage) ratio | 10.0214% | 3,596 |
| Tier 1 risk-based capital ratio | 12.3573% | 4,853 |
| Total risk-based capital ratio | 12.9339% | 5,199 |
| Memoranda: | ||
| Average total assets | $393,446,750 | 1,687 |
| Average earning assets | $368,353,500 | 1,661 |
| Average equity | $38,481,750 | 1,883 |
| Average total loans | $328,784,500 | 1,363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,799 |
| Cost of funding earning assets | 0.6747% | 968 |
| Net interest margin | 3.4516% | 3,702 |
| Noninterest income to average assets | 0.2947% | 4,853 |
| Noninterest expense to average assets | 2.9940% | 2,568 |
| Loan and lease loss provision to assets | 0.0077% | 3,953 |
| Net operating income to assets | 0.3703% | 5,236 |
| Return on assets (ROA) | 0.5594% | 4,626 |
| Pretax return on assets | 0.7851% | 4,367 |
| Return on Equity (ROE) | 5.6690% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.6690% | 2,425 |
| Net charge-offs to loans | -0.0050% | 4,737 |
| Credit loss provision to net charge-offs | -187.5000% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0454% | 1,147 |
| Assets per employee ($millions) | 5.1238% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4021% | 6,164 |
| Loan loss allowance to noncurrent loans | 44.8632% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 3,016 |
| Noncurrent loans to loans | 0.8962% | 2,886 |
| Net loans and leases to total assets | 83.3686% | 428 |
| Net loans and leases to deposits | 114.3323% | 172 |
| Net loans and leases to core deposits | 126.2385% | 332 |
| Total domestic deposits to total assets | 72.9178% | 5,877 |
| Equity capital to assets | 9.6259% | 4,499 |
| Core capital (leverage) ratio | 10.1812% | 3,359 |
| Tier 1 risk-based capital ratio | 12.9060% | 4,572 |
| Total risk-based capital ratio | 13.5653% | 4,829 |
| Memoranda: | ||
| Average total assets | $388,243,670 | 1,716 |
| Average earning assets | $362,843,330 | 1,687 |
| Average equity | $38,313,670 | 1,900 |
| Average total loans | $322,890,000 | 1,389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,541 |
| Cost of funding earning assets | 0.7027% | 842 |
| Net interest margin | 3.4745% | 3,532 |
| Noninterest income to average assets | 0.2436% | 5,228 |
| Noninterest expense to average assets | 3.1139% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2674% | 5,512 |
| Return on assets (ROA) | 0.5249% | 4,683 |
| Pretax return on assets | 0.7340% | 4,484 |
| Return on Equity (ROE) | 5.2517% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.2517% | 2,916 |
| Net charge-offs to loans | -0.0038% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2151% | 919 |
| Assets per employee ($millions) | 5.1374% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4133% | 6,232 |
| Loan loss allowance to noncurrent loans | 42.7557% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 2,975 |
| Noncurrent loans to loans | 0.9665% | 2,837 |
| Net loans and leases to total assets | 82.8707% | 385 |
| Net loans and leases to deposits | 111.8571% | 184 |
| Net loans and leases to core deposits | 123.6232% | 337 |
| Total domestic deposits to total assets | 74.0862% | 5,898 |
| Equity capital to assets | 9.9675% | 4,183 |
| Core capital (leverage) ratio | 10.2715% | 3,250 |
| Tier 1 risk-based capital ratio | 13.2774% | 4,450 |
| Total risk-based capital ratio | 13.9852% | 4,687 |
| Memoranda: | ||
| Average total assets | $382,539,000 | 1,742 |
| Average earning assets | $357,456,500 | 1,718 |
| Average equity | $38,235,500 | 1,916 |
| Average total loans | $317,070,000 | 1,411 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,153 |
| Cost of funding earning assets | 0.7729% | 750 |
| Net interest margin | 3.3703% | 4,325 |
| Noninterest income to average assets | 0.3111% | 4,896 |
| Noninterest expense to average assets | 3.0041% | 2,831 |
| Loan and lease loss provision to assets | -0.2641% | 6,348 |
| Net operating income to assets | 0.5193% | 4,733 |
| Return on assets (ROA) | 0.6449% | 4,268 |
| Pretax return on assets | 0.8690% | 4,004 |
| Return on Equity (ROE) | 6.3918% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.3918% | 1,714 |
| Net charge-offs to loans | -0.2791% | 6,325 |
| Credit loss provision to net charge-offs | 119.0012% | 2,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3467% | 1,048 |
| Assets per employee ($millions) | 5.1321% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 6,316 |
| Loan loss allowance to noncurrent loans | 64.9312% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 3,868 |
| Noncurrent loans to loans | 0.6494% | 3,740 |
| Net loans and leases to total assets | 82.2039% | 499 |
| Net loans and leases to deposits | 114.0708% | 165 |
| Net loans and leases to core deposits | 124.6045% | 310 |
| Total domestic deposits to total assets | 72.0639% | 6,079 |
| Equity capital to assets | 10.0233% | 4,082 |
| Core capital (leverage) ratio | 10.1322% | 3,389 |
| Tier 1 risk-based capital ratio | 13.2919% | 4,546 |
| Total risk-based capital ratio | 14.0652% | 4,762 |
| Memoranda: | ||
| Average total assets | $369,966,800 | 1,753 |
| Average earning assets | $343,385,800 | 1,745 |
| Average equity | $37,328,800 | 1,882 |
| Average total loans | $294,167,800 | 1,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 3,277 |
| Cost of funding earning assets | 0.7820% | 756 |
| Net interest margin | 3.3427% | 4,458 |
| Noninterest income to average assets | 0.3058% | 4,994 |
| Noninterest expense to average assets | 2.9952% | 2,811 |
| Loan and lease loss provision to assets | -0.3624% | 6,496 |
| Net operating income to assets | 0.5697% | 4,596 |
| Return on assets (ROA) | 0.7248% | 3,917 |
| Pretax return on assets | 0.9795% | 3,679 |
| Return on Equity (ROE) | 7.1718% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.1718% | 1,728 |
| Net charge-offs to loans | -0.4000% | 6,430 |
| Credit loss provision to net charge-offs | 115.0922% | 1,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0264% | 998 |
| Assets per employee ($millions) | 5.2377% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4469% | 6,377 |
| Loan loss allowance to noncurrent loans | 74.0110% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,324 |
| Noncurrent loans to loans | 0.6039% | 4,122 |
| Net loans and leases to total assets | 78.4754% | 906 |
| Net loans and leases to deposits | 110.1736% | 216 |
| Net loans and leases to core deposits | 118.0263% | 435 |
| Total domestic deposits to total assets | 71.2289% | 6,218 |
| Equity capital to assets | 10.0296% | 4,130 |
| Core capital (leverage) ratio | 10.1894% | 3,425 |
| Tier 1 risk-based capital ratio | 13.1251% | 4,785 |
| Total risk-based capital ratio | 13.8862% | 4,995 |
| Memoranda: | ||
| Average total assets | $367,515,000 | 1,780 |
| Average earning assets | $340,479,250 | 1,766 |
| Average equity | $37,144,500 | 1,898 |
| Average total loans | $289,332,000 | 1,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,289 |
| Cost of funding earning assets | 0.8041% | 686 |
| Net interest margin | 3.3090% | 4,552 |
| Noninterest income to average assets | 0.2846% | 5,143 |
| Noninterest expense to average assets | 2.9346% | 3,050 |
| Loan and lease loss provision to assets | -0.5511% | 6,602 |
| Net operating income to assets | 0.6782% | 3,952 |
| Return on assets (ROA) | 0.8032% | 3,416 |
| Pretax return on assets | 1.1369% | 2,944 |
| Return on Equity (ROE) | 7.9252% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.9252% | 1,349 |
| Net charge-offs to loans | -0.5867% | 6,527 |
| Credit loss provision to net charge-offs | 119.3548% | 1,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7453% | 1,108 |
| Assets per employee ($millions) | 4.9651% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4492% | 6,458 |
| Loan loss allowance to noncurrent loans | 63.7597% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 4,194 |
| Noncurrent loans to loans | 0.7046% | 3,945 |
| Net loans and leases to total assets | 78.3136% | 871 |
| Net loans and leases to deposits | 110.7245% | 193 |
| Net loans and leases to core deposits | 118.7843% | 405 |
| Total domestic deposits to total assets | 70.7284% | 6,322 |
| Equity capital to assets | 10.1869% | 3,851 |
| Core capital (leverage) ratio | 10.4255% | 3,055 |
| Tier 1 risk-based capital ratio | 13.3641% | 4,677 |
| Total risk-based capital ratio | 14.1995% | 4,883 |
| Memoranda: | ||
| Average total assets | $362,570,330 | 1,807 |
| Average earning assets | $335,264,670 | 1,794 |
| Average equity | $36,743,330 | 1,914 |
| Average total loans | $285,310,330 | 1,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 3,332 |
| Cost of funding earning assets | 0.8245% | 652 |
| Net interest margin | 3.2630% | 4,695 |
| Noninterest income to average assets | 0.2114% | 5,662 |
| Noninterest expense to average assets | 3.0498% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1517% | 5,922 |
| Return on assets (ROA) | 0.2807% | 5,605 |
| Pretax return on assets | 0.3400% | 5,622 |
| Return on Equity (ROE) | 2.7775% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.7775% | 4,422 |
| Net charge-offs to loans | 0.0696% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3673% | 2,695 |
| Efficiency ratio | 94.2946% | 734 |
| Assets per employee ($millions) | 4.8684% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 6,501 |
| Loan loss allowance to noncurrent loans | 50.8722% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 3,678 |
| Noncurrent loans to loans | 0.9905% | 3,440 |
| Net loans and leases to total assets | 78.3250% | 732 |
| Net loans and leases to deposits | 108.6945% | 176 |
| Net loans and leases to core deposits | 116.8971% | 386 |
| Total domestic deposits to total assets | 72.0597% | 6,357 |
| Equity capital to assets | 10.1064% | 3,716 |
| Core capital (leverage) ratio | 10.2544% | 3,213 |
| Tier 1 risk-based capital ratio | 13.3773% | 4,778 |
| Total risk-based capital ratio | 14.2712% | 4,924 |
| Memoranda: | ||
| Average total assets | $357,665,000 | 1,841 |
| Average earning assets | $331,347,500 | 1,820 |
| Average equity | $36,148,000 | 1,932 |
| Average total loans | $281,495,000 | 1,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 3,049 |
| Cost of funding earning assets | 0.9797% | 497 |
| Net interest margin | 3.2967% | 4,677 |
| Noninterest income to average assets | 0.6257% | 2,944 |
| Noninterest expense to average assets | 2.9157% | 3,326 |
| Loan and lease loss provision to assets | 0.0144% | 4,839 |
| Net operating income to assets | 0.5220% | 4,636 |
| Return on assets (ROA) | 0.6194% | 4,281 |
| Pretax return on assets | 0.8669% | 3,894 |
| Return on Equity (ROE) | 6.2121% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.2121% | 1,839 |
| Net charge-offs to loans | 0.1997% | 2,875 |
| Credit loss provision to net charge-offs | 9.3110% | 4,592 |
| Earnings coverage of net charge-offs (x) | 4.8101% | 3,446 |
| Efficiency ratio | 79.6678% | 2,209 |
| Assets per employee ($millions) | 4.9316% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5290% | 6,549 |
| Loan loss allowance to noncurrent loans | 74.1968% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 4,365 |
| Noncurrent loans to loans | 0.7130% | 4,181 |
| Net loans and leases to total assets | 78.2689% | 790 |
| Net loans and leases to deposits | 108.8328% | 186 |
| Net loans and leases to core deposits | 116.8739% | 399 |
| Total domestic deposits to total assets | 71.9167% | 6,426 |
| Equity capital to assets | 10.1070% | 3,628 |
| Core capital (leverage) ratio | 10.2272% | 3,255 |
| Tier 1 risk-based capital ratio | 13.5716% | 4,600 |
| Total risk-based capital ratio | 14.5158% | 4,751 |
| Memoranda: | ||
| Average total assets | $347,117,200 | 1,860 |
| Average earning assets | $319,475,800 | 1,862 |
| Average equity | $34,609,600 | 1,991 |
| Average total loans | $268,891,600 | 1,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 3,168 |
| Cost of funding earning assets | 1.0079% | 471 |
| Net interest margin | 3.2491% | 4,833 |
| Noninterest income to average assets | 0.7336% | 2,445 |
| Noninterest expense to average assets | 2.9650% | 3,096 |
| Loan and lease loss provision to assets | 0.0193% | 4,623 |
| Net operating income to assets | 0.5237% | 4,697 |
| Return on assets (ROA) | 0.6502% | 4,247 |
| Pretax return on assets | 0.9136% | 3,819 |
| Return on Equity (ROE) | 6.5440% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.5440% | 2,108 |
| Net charge-offs to loans | 0.1482% | 3,059 |
| Credit loss provision to net charge-offs | 16.8919% | 4,116 |
| Earnings coverage of net charge-offs (x) | 6.6013% | 2,940 |
| Efficiency ratio | 79.7071% | 2,146 |
| Assets per employee ($millions) | 4.9659% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 6,525 |
| Loan loss allowance to noncurrent loans | 59.6254% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 4,063 |
| Noncurrent loans to loans | 1.0558% | 3,690 |
| Net loans and leases to total assets | 75.8880% | 1,017 |
| Net loans and leases to deposits | 104.2694% | 285 |
| Net loans and leases to core deposits | 112.0026% | 507 |
| Total domestic deposits to total assets | 72.7807% | 6,449 |
| Equity capital to assets | 9.6399% | 4,369 |
| Core capital (leverage) ratio | 10.3373% | 3,188 |
| Tier 1 risk-based capital ratio | 13.6783% | 4,647 |
| Total risk-based capital ratio | 14.6312% | 4,786 |
| Memoranda: | ||
| Average total assets | $345,128,500 | 1,884 |
| Average earning assets | $317,209,000 | 1,887 |
| Average equity | $34,290,250 | 2,022 |
| Average total loans | $266,267,250 | 1,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 3,028 |
| Cost of funding earning assets | 1.0636% | 399 |
| Net interest margin | 3.2195% | 4,874 |
| Noninterest income to average assets | 1.0470% | 1,391 |
| Noninterest expense to average assets | 3.0411% | 2,870 |
| Loan and lease loss provision to assets | 0.0293% | 4,340 |
| Net operating income to assets | 0.6481% | 4,068 |
| Return on assets (ROA) | 0.8053% | 3,416 |
| Pretax return on assets | 1.1484% | 2,889 |
| Return on Equity (ROE) | 8.0219% | 3,086 |
| Retained earnings to average equity (ytd only) | 8.0219% | 1,478 |
| Net charge-offs to loans | 0.1811% | 2,670 |
| Credit loss provision to net charge-offs | 20.9205% | 3,715 |
| Earnings coverage of net charge-offs (x) | 6.7992% | 2,648 |
| Efficiency ratio | 76.1380% | 2,767 |
| Assets per employee ($millions) | 4.7918% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 6,544 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 4,037 |
| Noncurrent loans to loans | 1.0823% | 3,770 |
| Net loans and leases to total assets | 77.8532% | 767 |
| Net loans and leases to deposits | 103.7648% | 271 |
| Net loans and leases to core deposits | 109.8253% | 568 |
| Total domestic deposits to total assets | 75.0285% | 6,357 |
| Equity capital to assets | 10.1189% | 3,768 |
| Core capital (leverage) ratio | 10.5326% | 2,843 |
| Tier 1 risk-based capital ratio | 13.8973% | 4,491 |
| Total risk-based capital ratio | 14.8675% | 4,659 |
| Memoranda: | ||
| Average total assets | $340,990,000 | 1,905 |
| Average earning assets | $312,159,670 | 1,914 |
| Average equity | $34,231,330 | 2,032 |
| Average total loans | $264,005,670 | 1,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,927 |
| Cost of funding earning assets | 1.1457% | 294 |
| Net interest margin | 3.1436% | 5,119 |
| Noninterest income to average assets | 0.9011% | 1,756 |
| Noninterest expense to average assets | 3.1894% | 2,379 |
| Loan and lease loss provision to assets | 0.0586% | 3,656 |
| Net operating income to assets | 0.3740% | 5,237 |
| Return on assets (ROA) | 0.5343% | 4,666 |
| Pretax return on assets | 0.7370% | 4,422 |
| Return on Equity (ROE) | 5.3436% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3436% | 3,029 |
| Net charge-offs to loans | 0.0168% | 3,821 |
| Credit loss provision to net charge-offs | 454.5455% | 579 |
| Earnings coverage of net charge-offs (x) | 44.4545% | 731 |
| Efficiency ratio | 84.7711% | 1,671 |
| Assets per employee ($millions) | 4.7724% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 6,511 |
| Loan loss allowance to noncurrent loans | 44.5829% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 3,101 |
| Noncurrent loans to loans | 1.7167% | 2,970 |
| Net loans and leases to total assets | 76.6835% | 755 |
| Net loans and leases to deposits | 102.5852% | 265 |
| Net loans and leases to core deposits | 109.0708% | 526 |
| Total domestic deposits to total assets | 74.7510% | 6,481 |
| Equity capital to assets | 10.1558% | 3,950 |
| Core capital (leverage) ratio | 9.1952% | 4,575 |
| Tier 1 risk-based capital ratio | 12.1251% | 5,835 |
| Total risk-based capital ratio | 13.1871% | 5,921 |
| Memoranda: | ||
| Average total assets | $341,377,000 | 1,931 |
| Average earning assets | $310,730,500 | 1,954 |
| Average equity | $34,134,000 | 2,069 |
| Average total loans | $262,686,000 | 1,598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 3,539 |
| Cost of funding earning assets | 1.3528% | 302 |
| Net interest margin | 3.1141% | 5,782 |
| Noninterest income to average assets | 0.6417% | 3,044 |
| Noninterest expense to average assets | 2.8266% | 3,914 |
| Loan and lease loss provision to assets | 0.5710% | 984 |
| Net operating income to assets | 0.0801% | 6,045 |
| Return on assets (ROA) | 0.3248% | 5,595 |
| Pretax return on assets | 0.4138% | 5,537 |
| Return on Equity (ROE) | 3.3573% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.3573% | 3,857 |
| Net charge-offs to loans | 0.7457% | 1,574 |
| Credit loss provision to net charge-offs | 102.2466% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.2017% | 4,857 |
| Efficiency ratio | 80.8125% | 2,034 |
| Assets per employee ($millions) | 4.9842% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 6,575 |
| Loan loss allowance to noncurrent loans | 38.9572% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 3,111 |
| Noncurrent loans to loans | 1.9140% | 2,789 |
| Net loans and leases to total assets | 76.0564% | 907 |
| Net loans and leases to deposits | 104.7005% | 251 |
| Net loans and leases to core deposits | 110.4697% | 530 |
| Total domestic deposits to total assets | 72.6419% | 6,647 |
| Equity capital to assets | 9.8444% | 4,389 |
| Core capital (leverage) ratio | 9.0475% | 4,821 |
| Tier 1 risk-based capital ratio | 12.4101% | 5,536 |
| Total risk-based capital ratio | 13.4135% | 5,637 |
| Memoranda: | ||
| Average total assets | $342,706,200 | 1,892 |
| Average earning assets | $314,312,000 | 1,888 |
| Average equity | $33,152,000 | 2,076 |
| Average total loans | $256,686,800 | 1,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 3,779 |
| Cost of funding earning assets | 1.3695% | 333 |
| Net interest margin | 3.0911% | 5,958 |
| Noninterest income to average assets | 0.6526% | 2,983 |
| Noninterest expense to average assets | 2.7250% | 4,270 |
| Loan and lease loss provision to assets | 0.7134% | 703 |
| Net operating income to assets | 0.0490% | 6,211 |
| Return on assets (ROA) | 0.2702% | 5,912 |
| Pretax return on assets | 0.3310% | 5,894 |
| Return on Equity (ROE) | 2.8060% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.8060% | 4,864 |
| Net charge-offs to loans | 0.8602% | 1,276 |
| Credit loss provision to net charge-offs | 111.3678% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.2091% | 4,695 |
| Efficiency ratio | 77.8680% | 2,415 |
| Assets per employee ($millions) | 5.1227% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8056% | 6,588 |
| Loan loss allowance to noncurrent loans | 40.4255% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.5048% | 3,332 |
| Noncurrent loans to loans | 1.9927% | 2,850 |
| Net loans and leases to total assets | 74.5522% | 1,164 |
| Net loans and leases to deposits | 105.3973% | 246 |
| Net loans and leases to core deposits | 111.1678% | 530 |
| Total domestic deposits to total assets | 70.7344% | 6,807 |
| Equity capital to assets | 9.6428% | 5,006 |
| Core capital (leverage) ratio | 8.7258% | 5,434 |
| Tier 1 risk-based capital ratio | 12.2555% | 5,802 |
| Total risk-based capital ratio | 13.2838% | 5,907 |
| Memoranda: | ||
| Average total assets | $342,404,500 | 1,908 |
| Average earning assets | $315,349,750 | 1,900 |
| Average equity | $32,976,000 | 2,109 |
| Average total loans | $254,975,250 | 1,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 3,804 |
| Cost of funding earning assets | 1.3888% | 363 |
| Net interest margin | 3.1038% | 5,997 |
| Noninterest income to average assets | 0.6327% | 3,057 |
| Noninterest expense to average assets | 2.7771% | 4,106 |
| Loan and lease loss provision to assets | 0.8454% | 579 |
| Net operating income to assets | -0.1198% | 6,456 |
| Return on assets (ROA) | 0.1833% | 6,140 |
| Pretax return on assets | 0.2003% | 6,151 |
| Return on Equity (ROE) | 1.9041% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.9041% | 5,250 |
| Net charge-offs to loans | 1.1357% | 951 |
| Credit loss provision to net charge-offs | 100.2787% | 2,709 |
| Earnings coverage of net charge-offs (x) | 0.8453% | 4,635 |
| Efficiency ratio | 79.5791% | 2,255 |
| Assets per employee ($millions) | 5.1027% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 6,769 |
| Loan loss allowance to noncurrent loans | 43.2809% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 3,834 |
| Noncurrent loans to loans | 1.7203% | 3,314 |
| Net loans and leases to total assets | 73.9951% | 1,242 |
| Net loans and leases to deposits | 103.3224% | 299 |
| Net loans and leases to core deposits | 107.7798% | 671 |
| Total domestic deposits to total assets | 71.6158% | 6,822 |
| Equity capital to assets | 9.5249% | 5,025 |
| Core capital (leverage) ratio | 8.7046% | 5,374 |
| Tier 1 risk-based capital ratio | 12.2600% | 5,751 |
| Total risk-based capital ratio | 13.1845% | 5,939 |
| Memoranda: | ||
| Average total assets | $340,424,670 | 1,913 |
| Average earning assets | $313,355,670 | 1,908 |
| Average equity | $32,771,330 | 2,099 |
| Average total loans | $252,698,000 | 1,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 3,718 |
| Cost of funding earning assets | 1.4173% | 400 |
| Net interest margin | 3.1329% | 5,948 |
| Noninterest income to average assets | 0.5956% | 3,258 |
| Noninterest expense to average assets | 2.9305% | 3,508 |
| Loan and lease loss provision to assets | 1.4415% | 243 |
| Net operating income to assets | -0.5377% | 6,846 |
| Return on assets (ROA) | -0.4117% | 6,815 |
| Pretax return on assets | -0.7000% | 6,897 |
| Return on Equity (ROE) | -4.2535% | 6,825 |
| Retained earnings to average equity (ytd only) | -4.2535% | 6,527 |
| Net charge-offs to loans | 2.2586% | 387 |
| Credit loss provision to net charge-offs | 86.1702% | 2,620 |
| Earnings coverage of net charge-offs (x) | 0.3255% | 4,204 |
| Efficiency ratio | 84.3291% | 1,650 |
| Assets per employee ($millions) | 5.1126% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,889 |
| Loan loss allowance to noncurrent loans | 57.1854% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 4,720 |
| Noncurrent loans to loans | 1.2034% | 4,324 |
| Net loans and leases to total assets | 72.7584% | 1,267 |
| Net loans and leases to deposits | 101.5392% | 324 |
| Net loans and leases to core deposits | 107.4398% | 627 |
| Total domestic deposits to total assets | 71.6554% | 6,896 |
| Equity capital to assets | 9.4847% | 4,824 |
| Core capital (leverage) ratio | 8.7321% | 5,245 |
| Tier 1 risk-based capital ratio | 12.5321% | 5,579 |
| Total risk-based capital ratio | 13.4781% | 5,778 |
| Memoranda: | ||
| Average total assets | $337,144,500 | 1,939 |
| Average earning assets | $309,877,500 | 1,928 |
| Average equity | $32,632,000 | 2,106 |
| Average total loans | $249,708,000 | 1,662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 4,323 |
| Cost of funding earning assets | 1.5230% | 656 |
| Net interest margin | 3.1595% | 6,194 |
| Noninterest income to average assets | 0.2533% | 5,715 |
| Noninterest expense to average assets | 2.6145% | 5,039 |
| Loan and lease loss provision to assets | 0.3648% | 2,809 |
| Net operating income to assets | 0.1468% | 5,745 |
| Return on assets (ROA) | 0.2279% | 5,643 |
| Pretax return on assets | 0.2704% | 5,635 |
| Return on Equity (ROE) | 2.2933% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,582 |
| Net charge-offs to loans | 0.3134% | 3,829 |
| Credit loss provision to net charge-offs | 157.7279% | 1,768 |
| Earnings coverage of net charge-offs (x) | 2.3289% | 4,053 |
| Efficiency ratio | 82.9167% | 1,895 |
| Assets per employee ($millions) | 5.1038% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 6,796 |
| Loan loss allowance to noncurrent loans | 45.6532% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 4,058 |
| Noncurrent loans to loans | 1.6944% | 3,622 |
| Net loans and leases to total assets | 74.3154% | 1,212 |
| Net loans and leases to deposits | 105.0179% | 278 |
| Net loans and leases to core deposits | 111.2847% | 580 |
| Total domestic deposits to total assets | 70.7645% | 6,947 |
| Equity capital to assets | 9.8795% | 4,327 |
| Core capital (leverage) ratio | 8.8614% | 5,006 |
| Tier 1 risk-based capital ratio | 12.8129% | 5,235 |
| Total risk-based capital ratio | 13.7841% | 5,409 |
| Memoranda: | ||
| Average total assets | $327,295,200 | 1,968 |
| Average earning assets | $300,400,200 | 1,951 |
| Average equity | $32,529,800 | 2,048 |
| Average total loans | $241,510,600 | 1,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 4,626 |
| Cost of funding earning assets | 1.5224% | 790 |
| Net interest margin | 3.1396% | 6,317 |
| Noninterest income to average assets | 0.2195% | 6,043 |
| Noninterest expense to average assets | 2.5621% | 5,226 |
| Loan and lease loss provision to assets | 0.3998% | 2,451 |
| Net operating income to assets | 0.1133% | 5,931 |
| Return on assets (ROA) | 0.2158% | 5,791 |
| Pretax return on assets | 0.2632% | 5,784 |
| Return on Equity (ROE) | 2.1682% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.1682% | 5,042 |
| Net charge-offs to loans | 0.1390% | 4,667 |
| Credit loss provision to net charge-offs | 391.2000% | 725 |
| Earnings coverage of net charge-offs (x) | 5.2639% | 2,831 |
| Efficiency ratio | 82.6477% | 1,884 |
| Assets per employee ($millions) | 4.8978% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 6,639 |
| Loan loss allowance to noncurrent loans | 40.3758% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6219% | 3,654 |
| Noncurrent loans to loans | 2.1970% | 3,115 |
| Net loans and leases to total assets | 73.1652% | 1,475 |
| Net loans and leases to deposits | 104.1779% | 313 |
| Net loans and leases to core deposits | 110.9392% | 635 |
| Total domestic deposits to total assets | 70.2310% | 7,029 |
| Equity capital to assets | 9.7193% | 4,749 |
| Core capital (leverage) ratio | 8.8744% | 5,149 |
| Tier 1 risk-based capital ratio | 13.3522% | 4,833 |
| Total risk-based capital ratio | 14.4150% | 4,954 |
| Memoranda: | ||
| Average total assets | $326,182,250 | 1,982 |
| Average earning assets | $299,266,500 | 1,963 |
| Average equity | $32,468,500 | 2,046 |
| Average total loans | $239,773,000 | 1,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 4,583 |
| Cost of funding earning assets | 1.5194% | 941 |
| Net interest margin | 3.1683% | 6,241 |
| Noninterest income to average assets | 0.2023% | 6,220 |
| Noninterest expense to average assets | 2.5867% | 5,234 |
| Loan and lease loss provision to assets | 0.1564% | 4,354 |
| Net operating income to assets | 0.2807% | 5,449 |
| Return on assets (ROA) | 0.3258% | 5,404 |
| Pretax return on assets | 0.4326% | 5,287 |
| Return on Equity (ROE) | 3.2465% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.2465% | 4,200 |
| Net charge-offs to loans | 0.1048% | 4,637 |
| Credit loss provision to net charge-offs | 203.2258% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.8710% | 2,320 |
| Efficiency ratio | 83.0279% | 1,950 |
| Assets per employee ($millions) | 4.7944% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 7,081 |
| Loan loss allowance to noncurrent loans | 42.2362% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,575 |
| Noncurrent loans to loans | 1.5513% | 4,079 |
| Net loans and leases to total assets | 73.9304% | 1,433 |
| Net loans and leases to deposits | 106.7440% | 244 |
| Net loans and leases to core deposits | 113.9298% | 574 |
| Total domestic deposits to total assets | 69.2596% | 7,143 |
| Equity capital to assets | 9.9297% | 4,243 |
| Core capital (leverage) ratio | 9.1119% | 4,547 |
| Tier 1 risk-based capital ratio | 13.5279% | 4,502 |
| Total risk-based capital ratio | 14.4444% | 4,749 |
| Memoranda: | ||
| Average total assets | $322,261,330 | 2,010 |
| Average earning assets | $296,306,000 | 1,997 |
| Average equity | $32,342,670 | 2,042 |
| Average total loans | $236,540,330 | 1,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 4,426 |
| Cost of funding earning assets | 1.5352% | 1,032 |
| Net interest margin | 3.1854% | 6,114 |
| Noninterest income to average assets | 0.2541% | 5,862 |
| Noninterest expense to average assets | 2.5108% | 5,517 |
| Loan and lease loss provision to assets | 0.1660% | 3,966 |
| Net operating income to assets | 0.3718% | 5,068 |
| Return on assets (ROA) | 0.3988% | 5,044 |
| Pretax return on assets | 0.5422% | 4,891 |
| Return on Equity (ROE) | 3.9514% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.9514% | 3,806 |
| Net charge-offs to loans | 0.1036% | 3,918 |
| Credit loss provision to net charge-offs | 220.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 8.9000% | 1,777 |
| Efficiency ratio | 78.8933% | 2,705 |
| Assets per employee ($millions) | 4.8730% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 7,143 |
| Loan loss allowance to noncurrent loans | 37.2221% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 4,261 |
| Noncurrent loans to loans | 1.7480% | 3,894 |
| Net loans and leases to total assets | 73.9197% | 1,360 |
| Net loans and leases to deposits | 110.2952% | 177 |
| Net loans and leases to core deposits | 112.2183% | 652 |
| Total domestic deposits to total assets | 67.0199% | 7,300 |
| Equity capital to assets | 10.0498% | 3,713 |
| Core capital (leverage) ratio | 9.0991% | 4,453 |
| Tier 1 risk-based capital ratio | 13.6617% | 4,317 |
| Total risk-based capital ratio | 14.5824% | 4,536 |
| Memoranda: | ||
| Average total assets | $317,984,500 | 2,052 |
| Average earning assets | $292,338,000 | 2,040 |
| Average equity | $32,089,500 | 2,041 |
| Average total loans | $231,717,500 | 1,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 5,329 |
| Cost of funding earning assets | 1.7027% | 1,588 |
| Net interest margin | 3.1230% | 6,459 |
| Noninterest income to average assets | 0.2900% | 5,715 |
| Noninterest expense to average assets | 2.5044% | 5,776 |
| Loan and lease loss provision to assets | 0.1177% | 5,983 |
| Net operating income to assets | 0.4005% | 4,535 |
| Return on assets (ROA) | 0.4674% | 4,406 |
| Pretax return on assets | 0.6324% | 4,221 |
| Return on Equity (ROE) | 4.6778% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.6778% | 2,622 |
| Net charge-offs to loans | 0.1394% | 5,531 |
| Credit loss provision to net charge-offs | 120.2614% | 3,509 |
| Earnings coverage of net charge-offs (x) | 6.7418% | 2,291 |
| Efficiency ratio | 79.1532% | 2,514 |
| Assets per employee ($millions) | 4.9897% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 7,186 |
| Loan loss allowance to noncurrent loans | 36.9587% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 4,355 |
| Noncurrent loans to loans | 1.7926% | 3,826 |
| Net loans and leases to total assets | 70.8297% | 2,348 |
| Net loans and leases to deposits | 104.0284% | 402 |
| Net loans and leases to core deposits | 105.9758% | 1,191 |
| Total domestic deposits to total assets | 68.0869% | 7,319 |
| Equity capital to assets | 10.1342% | 3,579 |
| Core capital (leverage) ratio | 10.3115% | 2,758 |
| Tier 1 risk-based capital ratio | 15.6903% | 2,898 |
| Total risk-based capital ratio | 16.5827% | 3,040 |
| Memoranda: | ||
| Average total assets | $312,764,800 | 2,072 |
| Average earning assets | $287,833,800 | 2,060 |
| Average equity | $31,254,200 | 2,097 |
| Average total loans | $219,582,600 | 1,974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 5,507 |
| Cost of funding earning assets | 1.7248% | 1,745 |
| Net interest margin | 3.1170% | 6,575 |
| Noninterest income to average assets | 0.1507% | 6,787 |
| Noninterest expense to average assets | 2.4620% | 5,851 |
| Loan and lease loss provision to assets | 0.0926% | 6,105 |
| Net operating income to assets | 0.3248% | 5,073 |
| Return on assets (ROA) | 0.4055% | 4,902 |
| Pretax return on assets | 0.5792% | 4,665 |
| Return on Equity (ROE) | 4.0723% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.0723% | 3,608 |
| Net charge-offs to loans | 0.1263% | 5,291 |
| Credit loss provision to net charge-offs | 104.8309% | 4,085 |
| Earnings coverage of net charge-offs (x) | 6.2996% | 2,549 |
| Efficiency ratio | 81.5611% | 2,119 |
| Assets per employee ($millions) | 4.9140% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 7,282 |
| Loan loss allowance to noncurrent loans | 61.4758% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 5,622 |
| Noncurrent loans to loans | 1.0565% | 5,130 |
| Net loans and leases to total assets | 69.6978% | 2,809 |
| Net loans and leases to deposits | 99.4664% | 690 |
| Net loans and leases to core deposits | 101.3300% | 1,719 |
| Total domestic deposits to total assets | 70.0717% | 7,270 |
| Equity capital to assets | 10.0930% | 4,032 |
| Core capital (leverage) ratio | 10.1624% | 3,082 |
| Tier 1 risk-based capital ratio | 15.8960% | 2,811 |
| Total risk-based capital ratio | 16.6708% | 3,002 |
| Memoranda: | ||
| Average total assets | $312,368,250 | 2,108 |
| Average earning assets | $287,410,250 | 2,093 |
| Average equity | $31,103,500 | 2,124 |
| Average total loans | $218,443,500 | 2,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 5,541 |
| Cost of funding earning assets | 1.7420% | 1,909 |
| Net interest margin | 3.1267% | 6,528 |
| Noninterest income to average assets | 0.1129% | 7,038 |
| Noninterest expense to average assets | 2.4803% | 5,792 |
| Loan and lease loss provision to assets | 0.1316% | 5,570 |
| Net operating income to assets | 0.2651% | 5,316 |
| Return on assets (ROA) | 0.3671% | 5,068 |
| Pretax return on assets | 0.5230% | 4,835 |
| Return on Equity (ROE) | 3.7034% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,745 |
| Net charge-offs to loans | 0.1617% | 4,650 |
| Credit loss provision to net charge-offs | 116.4773% | 3,486 |
| Earnings coverage of net charge-offs (x) | 4.5057% | 2,934 |
| Efficiency ratio | 82.9755% | 2,045 |
| Assets per employee ($millions) | 4.8722% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 7,314 |
| Loan loss allowance to noncurrent loans | 73.8931% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,853 |
| Noncurrent loans to loans | 0.9011% | 5,472 |
| Net loans and leases to total assets | 69.4669% | 3,024 |
| Net loans and leases to deposits | 99.7398% | 746 |
| Net loans and leases to core deposits | 101.6500% | 1,855 |
| Total domestic deposits to total assets | 69.6481% | 7,346 |
| Equity capital to assets | 9.9817% | 4,050 |
| Core capital (leverage) ratio | 10.0937% | 3,072 |
| Tier 1 risk-based capital ratio | 15.8794% | 2,727 |
| Total risk-based capital ratio | 16.6208% | 2,932 |
| Memoranda: | ||
| Average total assets | $311,659,330 | 2,141 |
| Average earning assets | $286,688,670 | 2,108 |
| Average equity | $30,890,670 | 2,135 |
| Average total loans | $217,715,000 | 2,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 5,622 |
| Cost of funding earning assets | 1.7648% | 2,041 |
| Net interest margin | 3.1002% | 6,593 |
| Noninterest income to average assets | 0.0796% | 7,303 |
| Noninterest expense to average assets | 2.4803% | 5,805 |
| Loan and lease loss provision to assets | 0.1130% | 5,487 |
| Net operating income to assets | 0.2397% | 5,548 |
| Return on assets (ROA) | 0.3286% | 5,304 |
| Pretax return on assets | 0.4686% | 5,061 |
| Return on Equity (ROE) | 3.3275% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.3275% | 4,155 |
| Net charge-offs to loans | 0.2629% | 3,361 |
| Credit loss provision to net charge-offs | 61.5385% | 4,269 |
| Earnings coverage of net charge-offs (x) | 2.4755% | 3,306 |
| Efficiency ratio | 84.5144% | 1,978 |
| Assets per employee ($millions) | 5.0002% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 7,473 |
| Loan loss allowance to noncurrent loans | 102.3952% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 6,317 |
| Noncurrent loans to loans | 0.6043% | 6,095 |
| Net loans and leases to total assets | 69.7518% | 2,996 |
| Net loans and leases to deposits | 101.4680% | 667 |
| Net loans and leases to core deposits | 103.6296% | 1,776 |
| Total domestic deposits to total assets | 68.7427% | 7,483 |
| Equity capital to assets | 9.8402% | 4,064 |
| Core capital (leverage) ratio | 10.0712% | 3,076 |
| Tier 1 risk-based capital ratio | 15.7546% | 2,751 |
| Total risk-based capital ratio | 16.5194% | 2,934 |
| Memoranda: | ||
| Average total assets | $311,578,000 | 2,185 |
| Average earning assets | $286,947,000 | 2,164 |
| Average equity | $30,773,500 | 2,161 |
| Average total loans | $217,540,000 | 2,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 5,903 |
| Cost of funding earning assets | 2.2663% | 1,784 |
| Net interest margin | 2.8779% | 6,902 |
| Noninterest income to average assets | 0.3859% | 5,326 |
| Noninterest expense to average assets | 2.5381% | 5,996 |
| Loan and lease loss provision to assets | 0.0821% | 6,790 |
| Net operating income to assets | 0.3010% | 4,536 |
| Return on assets (ROA) | 0.3505% | 4,414 |
| Pretax return on assets | 0.5047% | 4,169 |
| Return on Equity (ROE) | 3.7451% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.7451% | 2,579 |
| Net charge-offs to loans | 0.0667% | 6,443 |
| Credit loss provision to net charge-offs | 179.5775% | 2,321 |
| Earnings coverage of net charge-offs (x) | 11.2676% | 1,604 |
| Efficiency ratio | 83.1330% | 2,458 |
| Assets per employee ($millions) | 4.9700% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 7,447 |
| Loan loss allowance to noncurrent loans | 95.2477% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,236 |
| Noncurrent loans to loans | 0.6982% | 5,841 |
| Net loans and leases to total assets | 68.9815% | 3,494 |
| Net loans and leases to deposits | 101.7165% | 773 |
| Net loans and leases to core deposits | 119.3137% | 2,001 |
| Total domestic deposits to total assets | 67.8174% | 7,562 |
| Equity capital to assets | 9.9139% | 3,880 |
| Core capital (leverage) ratio | 10.0175% | 3,073 |
| Tier 1 risk-based capital ratio | 16.1493% | 2,453 |
| Total risk-based capital ratio | 16.9386% | 2,588 |
| Memoranda: | ||
| Average total assets | $310,704,400 | 2,159 |
| Average earning assets | $287,956,600 | 2,137 |
| Average equity | $29,078,200 | 2,293 |
| Average total loans | $212,861,000 | 2,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 5,825 |
| Cost of funding earning assets | 2.3713% | 1,737 |
| Net interest margin | 2.8416% | 6,985 |
| Noninterest income to average assets | 0.3876% | 5,413 |
| Noninterest expense to average assets | 2.5540% | 5,880 |
| Loan and lease loss provision to assets | 0.0788% | 6,578 |
| Net operating income to assets | 0.2649% | 4,931 |
| Return on assets (ROA) | 0.3336% | 4,763 |
| Pretax return on assets | 0.4929% | 4,537 |
| Return on Equity (ROE) | 3.6176% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,262 |
| Net charge-offs to loans | 0.0759% | 5,928 |
| Credit loss provision to net charge-offs | 152.0661% | 3,140 |
| Earnings coverage of net charge-offs (x) | 9.0826% | 2,152 |
| Efficiency ratio | 84.4400% | 2,245 |
| Assets per employee ($millions) | 5.0108% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 7,460 |
| Loan loss allowance to noncurrent loans | 77.3521% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 6,026 |
| Noncurrent loans to loans | 0.8565% | 5,585 |
| Net loans and leases to total assets | 66.2693% | 4,366 |
| Net loans and leases to deposits | 98.5232% | 1,263 |
| Net loans and leases to core deposits | 115.7614% | 2,652 |
| Total domestic deposits to total assets | 67.2627% | 7,622 |
| Equity capital to assets | 9.6212% | 4,597 |
| Core capital (leverage) ratio | 9.8688% | 3,434 |
| Tier 1 risk-based capital ratio | 16.0283% | 2,619 |
| Total risk-based capital ratio | 16.7602% | 2,763 |
| Memoranda: | ||
| Average total assets | $311,345,000 | 2,168 |
| Average earning assets | $288,942,750 | 2,144 |
| Average equity | $28,710,500 | 2,342 |
| Average total loans | $212,580,250 | 2,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 5,779 |
| Cost of funding earning assets | 2.4907% | 1,648 |
| Net interest margin | 2.7829% | 7,046 |
| Noninterest income to average assets | 0.4057% | 5,236 |
| Noninterest expense to average assets | 2.6216% | 5,650 |
| Loan and lease loss provision to assets | 0.0610% | 6,609 |
| Net operating income to assets | 0.2109% | 5,227 |
| Return on assets (ROA) | 0.1926% | 5,367 |
| Pretax return on assets | 0.2824% | 5,244 |
| Return on Equity (ROE) | 2.1188% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.1188% | 4,166 |
| Net charge-offs to loans | 0.1110% | 5,050 |
| Credit loss provision to net charge-offs | 79.8319% | 5,206 |
| Earnings coverage of net charge-offs (x) | 4.8487% | 2,985 |
| Efficiency ratio | 87.6207% | 2,057 |
| Assets per employee ($millions) | 4.7889% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 7,607 |
| Loan loss allowance to noncurrent loans | 55.9861% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,571 |
| Noncurrent loans to loans | 1.0987% | 5,011 |
| Net loans and leases to total assets | 66.7488% | 4,408 |
| Net loans and leases to deposits | 98.5374% | 1,451 |
| Net loans and leases to core deposits | 117.7511% | 2,562 |
| Total domestic deposits to total assets | 67.7396% | 7,635 |
| Equity capital to assets | 9.2047% | 5,006 |
| Core capital (leverage) ratio | 9.5139% | 3,865 |
| Tier 1 risk-based capital ratio | 15.7582% | 2,709 |
| Total risk-based capital ratio | 16.4442% | 2,873 |
| Memoranda: | ||
| Average total assets | $311,571,000 | 2,188 |
| Average earning assets | $289,558,670 | 2,173 |
| Average equity | $28,317,330 | 2,387 |
| Average total loans | $214,357,000 | 2,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 5,731 |
| Cost of funding earning assets | 2.6091% | 1,536 |
| Net interest margin | 2.7250% | 7,149 |
| Noninterest income to average assets | 0.2246% | 6,671 |
| Noninterest expense to average assets | 2.5087% | 5,806 |
| Loan and lease loss provision to assets | 0.1052% | 5,621 |
| Net operating income to assets | 0.0930% | 6,001 |
| Return on assets (ROA) | 0.0462% | 6,290 |
| Pretax return on assets | 0.0719% | 6,228 |
| Return on Equity (ROE) | 0.5115% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.5115% | 5,453 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9302% | 1,654 |
| Assets per employee ($millions) | 5.0170% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 7,574 |
| Loan loss allowance to noncurrent loans | 62.1429% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 5,358 |
| Noncurrent loans to loans | 1.0391% | 4,912 |
| Net loans and leases to total assets | 68.8591% | 3,946 |
| Net loans and leases to deposits | 100.3749% | 1,360 |
| Net loans and leases to core deposits | 119.9638% | 2,417 |
| Total domestic deposits to total assets | 68.6019% | 7,552 |
| Equity capital to assets | 9.0426% | 5,305 |
| Core capital (leverage) ratio | 9.3852% | 4,124 |
| Tier 1 risk-based capital ratio | 15.3406% | 2,918 |
| Total risk-based capital ratio | 16.0691% | 3,075 |
| Memoranda: | ||
| Average total assets | $311,718,500 | 2,203 |
| Average earning assets | $289,907,500 | 2,184 |
| Average equity | $28,150,000 | 2,406 |
| Average total loans | $217,006,000 | 2,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7410% | 6,637 |
| Cost of funding earning assets | 3.0755% | 1,588 |
| Net interest margin | 2.6656% | 7,552 |
| Noninterest income to average assets | 0.3261% | 6,112 |
| Noninterest expense to average assets | 2.2287% | 6,898 |
| Loan and lease loss provision to assets | 0.1756% | 5,146 |
| Net operating income to assets | 0.3690% | 5,272 |
| Return on assets (ROA) | 0.0695% | 6,036 |
| Pretax return on assets | 0.0797% | 5,989 |
| Return on Equity (ROE) | 0.7327% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.7327% | 4,792 |
| Net charge-offs to loans | 0.0622% | 5,885 |
| Credit loss provision to net charge-offs | 397.7612% | 1,105 |
| Earnings coverage of net charge-offs (x) | 13.5821% | 2,121 |
| Efficiency ratio | 78.8002% | 2,788 |
| Assets per employee ($millions) | 4.8810% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 7,681 |
| Loan loss allowance to noncurrent loans | 129.7030% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 6,314 |
| Noncurrent loans to loans | 0.4624% | 5,960 |
| Net loans and leases to total assets | 69.5047% | 4,142 |
| Net loans and leases to deposits | 102.7247% | 1,503 |
| Net loans and leases to core deposits | 122.2395% | 2,485 |
| Total domestic deposits to total assets | 67.6612% | 7,503 |
| Equity capital to assets | 9.0187% | 5,348 |
| Core capital (leverage) ratio | 9.4853% | 4,032 |
| Tier 1 risk-based capital ratio | 15.4179% | 2,869 |
| Total risk-based capital ratio | 16.1041% | 3,036 |
| Memoranda: | ||
| Average total assets | $303,543,200 | 2,184 |
| Average earning assets | $284,931,000 | 2,139 |
| Average equity | $28,797,000 | 2,350 |
| Average total loans | $215,316,000 | 2,170 |