Home > Manasquan Bank > Performance and Condition Ratios
Manasquan 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 | 4.6753% | 2,730 |
| Cost of funding earning assets | 1.7310% | 1,382 |
| Net interest margin | 2.9442% | 3,404 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.8292% | 3,952 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7777% | 2,946 |
| Return on assets (ROA) | 0.7786% | 2,924 |
| Pretax return on assets | 1.0761% | 2,481 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.9307% | 1,272 |
| Net charge-offs to loans | -0.0028% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1490% | 2,954 |
| Assets per employee ($millions) | 11.9710% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 3,901 |
| Loan loss allowance to noncurrent loans | 2,013.4010% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,414 |
| Noncurrent loans to loans | 0.0410% | 3,429 |
| Net loans and leases to total assets | 81.5000% | 475 |
| Net loans and leases to deposits | 92.8765% | 1,022 |
| Net loans and leases to core deposits | 103.0495% | 1,274 |
| Total domestic deposits to total assets | 87.7500% | 1,438 |
| Equity capital to assets | 8.8737% | 2,770 |
| Core capital (leverage) ratio | 9.3268% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1607% | 2,191 |
| Memoranda: | ||
| Average total assets | $2,834,567,000 | 418 |
| Average earning assets | $2,709,455,000 | 393 |
| Average equity | $247,113,600 | 454 |
| Average total loans | $2,249,227,600 | 369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,781 |
| Cost of funding earning assets | 1.5972% | 1,376 |
| Net interest margin | 2.9609% | 3,417 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.8587% | 3,871 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7376% | 3,211 |
| Return on assets (ROA) | 0.7374% | 3,203 |
| Pretax return on assets | 1.0105% | 2,824 |
| Return on Equity (ROE) | 8.5000% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.4982% | 1,815 |
| Net charge-offs to loans | 0.0054% | 2,264 |
| Credit loss provision to net charge-offs | 2,705.5556% | 172 |
| Earnings coverage of net charge-offs (x) | 263.9667% | 492 |
| Efficiency ratio | 61.8920% | 2,731 |
| Assets per employee ($millions) | 12.0905% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 3,883 |
| Loan loss allowance to noncurrent loans | 1,916.0662% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,445 |
| Noncurrent loans to loans | 0.0441% | 3,443 |
| Net loans and leases to total assets | 79.8200% | 669 |
| Net loans and leases to deposits | 90.7750% | 1,169 |
| Net loans and leases to core deposits | 100.6463% | 1,285 |
| Total domestic deposits to total assets | 87.9300% | 1,599 |
| Equity capital to assets | 8.6549% | 2,627 |
| Core capital (leverage) ratio | 9.5279% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1883% | 2,205 |
| Memoranda: | ||
| Average total assets | $2,812,975,500 | 420 |
| Average earning assets | $2,687,428,000 | 399 |
| Average equity | $244,093,000 | 455 |
| Average total loans | $2,211,470,000 | 373 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 2,677 |
| Cost of funding earning assets | 1.5135% | 1,217 |
| Net interest margin | 2.9731% | 3,501 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.8647% | 3,886 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.7619% | 3,187 |
| Return on assets (ROA) | 0.7621% | 3,202 |
| Pretax return on assets | 1.0445% | 2,789 |
| Return on Equity (ROE) | 8.7800% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.7752% | 1,741 |
| Net charge-offs to loans | 0.0037% | 2,175 |
| Credit loss provision to net charge-offs | 3,587.5000% | 149 |
| Earnings coverage of net charge-offs (x) | 399.7250% | 362 |
| Efficiency ratio | 61.5298% | 2,773 |
| Assets per employee ($millions) | 11.6476% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,172 |
| Loan loss allowance to noncurrent loans | 2,172.0293% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,389 |
| Noncurrent loans to loans | 0.0484% | 3,368 |
| Net loans and leases to total assets | 79.9400% | 632 |
| Net loans and leases to deposits | 89.2225% | 1,245 |
| Net loans and leases to core deposits | 98.4161% | 1,323 |
| Total domestic deposits to total assets | 89.5900% | 1,058 |
| Equity capital to assets | 8.7634% | 2,683 |
| Core capital (leverage) ratio | 9.4787% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1265% | 2,243 |
| Memoranda: | ||
| Average total assets | $2,787,425,333 | 410 |
| Average earning assets | $2,661,946,000 | 389 |
| Average equity | $242,092,667 | 450 |
| Average total loans | $2,173,236,667 | 366 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,557 |
| Cost of funding earning assets | 1.3621% | 1,112 |
| Net interest margin | 3.0334% | 3,518 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8602% | 3,932 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7776% | 3,266 |
| Return on assets (ROA) | 0.7785% | 3,220 |
| Pretax return on assets | 1.0757% | 2,780 |
| Return on Equity (ROE) | 9.0000% | 3,049 |
| Retained earnings to average equity (ytd only) | 9.0039% | 1,950 |
| Net charge-offs to loans | 0.0090% | 1,607 |
| Credit loss provision to net charge-offs | 1,562.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 171.3958% | 561 |
| Efficiency ratio | 60.7624% | 2,848 |
| Assets per employee ($millions) | 11.8170% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,233 |
| Loan loss allowance to noncurrent loans | 1,143.7283% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,068 |
| Noncurrent loans to loans | 0.0931% | 3,085 |
| Net loans and leases to total assets | 76.8600% | 887 |
| Net loans and leases to deposits | 85.1846% | 1,417 |
| Net loans and leases to core deposits | 93.2440% | 1,440 |
| Total domestic deposits to total assets | 90.2300% | 1,076 |
| Equity capital to assets | 8.7305% | 2,714 |
| Core capital (leverage) ratio | 9.4072% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3351% | 2,252 |
| Memoranda: | ||
| Average total assets | $2,783,426,500 | 421 |
| Average earning assets | $2,662,106,500 | 402 |
| Average equity | $240,651,500 | 466 |
| Average total loans | $2,130,692,500 | 383 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 2,841 |
| Cost of funding earning assets | 0.5337% | 1,201 |
| Net interest margin | 3.0517% | 3,311 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8362% | 3,960 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8915% | 3,000 |
| Return on assets (ROA) | 0.8883% | 2,955 |
| Pretax return on assets | 1.2284% | 2,343 |
| Return on Equity (ROE) | 10.4600% | 2,657 |
| Retained earnings to average equity (ytd only) | 10.4636% | 1,015 |
| Net charge-offs to loans | -0.0011% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.9703% | 3,345 |
| Assets per employee ($millions) | 12.1844% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,049 |
| Loan loss allowance to noncurrent loans | 1,280.3091% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,176 |
| Noncurrent loans to loans | 0.0834% | 3,160 |
| Net loans and leases to total assets | 74.6000% | 1,168 |
| Net loans and leases to deposits | 83.0683% | 1,536 |
| Net loans and leases to core deposits | 89.5292% | 1,529 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 8.5610% | 2,666 |
| Core capital (leverage) ratio | 9.2072% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3020% | 2,238 |
| Memoranda: | ||
| Average total assets | $2,734,814,400 | 420 |
| Average earning assets | $2,624,215,000 | 399 |
| Average equity | $232,177,200 | 471 |
| Average total loans | $1,961,251,800 | 382 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 2,962 |
| Cost of funding earning assets | 0.3798% | 1,443 |
| Net interest margin | 3.0033% | 3,207 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7905% | 4,001 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9198% | 2,796 |
| Return on assets (ROA) | 0.9157% | 2,782 |
| Pretax return on assets | 1.2686% | 2,141 |
| Return on Equity (ROE) | 10.8100% | 2,463 |
| Retained earnings to average equity (ytd only) | 10.8096% | 1,104 |
| Net charge-offs to loans | -0.0033% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.9408% | 3,522 |
| Assets per employee ($millions) | 12.4741% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,193 |
| Loan loss allowance to noncurrent loans | 1,504.4149% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,365 |
| Noncurrent loans to loans | 0.0706% | 3,372 |
| Net loans and leases to total assets | 72.2300% | 1,267 |
| Net loans and leases to deposits | 79.9776% | 1,575 |
| Net loans and leases to core deposits | 83.9123% | 1,659 |
| Total domestic deposits to total assets | 90.3200% | 1,517 |
| Equity capital to assets | 8.3821% | 2,615 |
| Core capital (leverage) ratio | 8.8802% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3910% | 2,321 |
| Memoranda: | ||
| Average total assets | $2,724,005,250 | 423 |
| Average earning assets | $2,615,839,750 | 402 |
| Average equity | $230,764,500 | 469 |
| Average total loans | $1,927,886,500 | 384 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1938% | 3,065 |
| Cost of funding earning assets | 0.3127% | 1,597 |
| Net interest margin | 2.8811% | 3,216 |
| Noninterest income to average assets | 0.2178% | 3,893 |
| Noninterest expense to average assets | 1.7490% | 4,055 |
| Loan and lease loss provision to assets | 0.0554% | 1,589 |
| Net operating income to assets | 0.8505% | 2,774 |
| Return on assets (ROA) | 0.8456% | 2,772 |
| Pretax return on assets | 1.1756% | 2,149 |
| Return on Equity (ROE) | 9.9456% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.9456% | 1,039 |
| Net charge-offs to loans | -0.0050% | 3,340 |
| Credit loss provision to net charge-offs | -1,595.7447% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1018% | 3,546 |
| Assets per employee ($millions) | 12.3008% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,224 |
| Loan loss allowance to noncurrent loans | 1,195.7531% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,341 |
| Noncurrent loans to loans | 0.0905% | 3,317 |
| Net loans and leases to total assets | 69.7546% | 1,316 |
| Net loans and leases to deposits | 77.2935% | 1,589 |
| Net loans and leases to core deposits | 80.5529% | 1,682 |
| Total domestic deposits to total assets | 90.2464% | 1,612 |
| Equity capital to assets | 8.3855% | 2,847 |
| Core capital (leverage) ratio | 8.7067% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1871% | 2,416 |
| Memoranda: | ||
| Average total assets | $2,708,922,333 | 422 |
| Average earning assets | $2,603,013,000 | 405 |
| Average equity | $230,312,000 | 472 |
| Average total loans | $1,896,570,667 | 380 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0804% | 3,036 |
| Cost of funding earning assets | 0.3223% | 1,443 |
| Net interest margin | 2.7581% | 3,259 |
| Noninterest income to average assets | 0.2262% | 3,800 |
| Noninterest expense to average assets | 1.7804% | 3,988 |
| Loan and lease loss provision to assets | 0.0149% | 2,083 |
| Net operating income to assets | 0.7795% | 2,728 |
| Return on assets (ROA) | 0.7765% | 2,737 |
| Pretax return on assets | 1.0790% | 2,211 |
| Return on Equity (ROE) | 9.0696% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.0696% | 1,253 |
| Net charge-offs to loans | -0.0004% | 2,974 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4056% | 3,336 |
| Assets per employee ($millions) | 12.1562% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,375 |
| Loan loss allowance to noncurrent loans | 437.1147% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,578 |
| Noncurrent loans to loans | 0.2490% | 2,596 |
| Net loans and leases to total assets | 68.7583% | 1,133 |
| Net loans and leases to deposits | 76.9878% | 1,365 |
| Net loans and leases to core deposits | 80.3996% | 1,454 |
| Total domestic deposits to total assets | 89.3106% | 1,918 |
| Equity capital to assets | 8.5039% | 3,157 |
| Core capital (leverage) ratio | 8.7779% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6453% | 2,368 |
| Memoranda: | ||
| Average total assets | $2,679,548,500 | 430 |
| Average earning assets | $2,576,390,000 | 411 |
| Average equity | $229,426,500 | 487 |
| Average total loans | $1,869,008,500 | 386 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 3,228 |
| Cost of funding earning assets | 0.4275% | 1,344 |
| Net interest margin | 2.8680% | 3,517 |
| Noninterest income to average assets | 0.1911% | 4,209 |
| Noninterest expense to average assets | 1.8227% | 4,102 |
| Loan and lease loss provision to assets | -0.2168% | 4,722 |
| Net operating income to assets | 0.9669% | 2,811 |
| Return on assets (ROA) | 0.9648% | 2,881 |
| Pretax return on assets | 1.3463% | 2,217 |
| Return on Equity (ROE) | 11.2888% | 2,058 |
| Retained earnings to average equity (ytd only) | 11.2888% | 651 |
| Net charge-offs to loans | 0.0177% | 1,928 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,020 |
| Earnings coverage of net charge-offs (x) | 87.0278% | 951 |
| Efficiency ratio | 61.7824% | 2,902 |
| Assets per employee ($millions) | 12.2600% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,392 |
| Loan loss allowance to noncurrent loans | 324.1863% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 2,381 |
| Noncurrent loans to loans | 0.3366% | 2,378 |
| Net loans and leases to total assets | 69.2263% | 1,131 |
| Net loans and leases to deposits | 78.8463% | 1,312 |
| Net loans and leases to core deposits | 83.0547% | 1,384 |
| Total domestic deposits to total assets | 87.7991% | 2,150 |
| Equity capital to assets | 8.6212% | 3,967 |
| Core capital (leverage) ratio | 8.6700% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6385% | 2,391 |
| Memoranda: | ||
| Average total assets | $2,490,746,800 | 437 |
| Average earning assets | $2,400,219,200 | 419 |
| Average equity | $212,875,200 | 511 |
| Average total loans | $1,830,850,800 | 388 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 3,308 |
| Cost of funding earning assets | 0.4532% | 1,332 |
| Net interest margin | 2.8770% | 3,604 |
| Noninterest income to average assets | 0.2010% | 4,197 |
| Noninterest expense to average assets | 1.8094% | 4,148 |
| Loan and lease loss provision to assets | -0.3131% | 4,828 |
| Net operating income to assets | 1.0577% | 2,705 |
| Return on assets (ROA) | 1.0542% | 2,785 |
| Pretax return on assets | 1.4724% | 2,071 |
| Return on Equity (ROE) | 12.3638% | 1,912 |
| Retained earnings to average equity (ytd only) | 12.3638% | 758 |
| Net charge-offs to loans | 0.0322% | 1,419 |
| Credit loss provision to net charge-offs | -1,306.8182% | 3,912 |
| Earnings coverage of net charge-offs (x) | 48.5659% | 1,260 |
| Efficiency ratio | 60.1392% | 2,966 |
| Assets per employee ($millions) | 12.4982% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,517 |
| Loan loss allowance to noncurrent loans | 211.5278% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 2,003 |
| Noncurrent loans to loans | 0.5119% | 2,026 |
| Net loans and leases to total assets | 69.1032% | 1,177 |
| Net loans and leases to deposits | 78.7788% | 1,405 |
| Net loans and leases to core deposits | 83.3523% | 1,469 |
| Total domestic deposits to total assets | 87.7181% | 1,998 |
| Equity capital to assets | 8.5852% | 4,149 |
| Core capital (leverage) ratio | 8.8053% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0653% | 2,337 |
| Memoranda: | ||
| Average total assets | $2,448,328,750 | 448 |
| Average earning assets | $2,359,048,500 | 428 |
| Average equity | $208,754,000 | 520 |
| Average total loans | $1,823,056,000 | 393 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 3,172 |
| Cost of funding earning assets | 0.4829% | 1,303 |
| Net interest margin | 2.9223% | 3,524 |
| Noninterest income to average assets | 0.1918% | 4,242 |
| Noninterest expense to average assets | 1.8386% | 4,100 |
| Loan and lease loss provision to assets | -0.5106% | 4,909 |
| Net operating income to assets | 1.1963% | 2,207 |
| Return on assets (ROA) | 1.1931% | 2,284 |
| Pretax return on assets | 1.6711% | 1,560 |
| Return on Equity (ROE) | 14.0285% | 1,405 |
| Retained earnings to average equity (ytd only) | 14.0285% | 540 |
| Net charge-offs to loans | 0.0424% | 1,214 |
| Credit loss provision to net charge-offs | -1,580.3109% | 3,776 |
| Earnings coverage of net charge-offs (x) | 36.0466% | 1,217 |
| Efficiency ratio | 61.2218% | 2,843 |
| Assets per employee ($millions) | 11.7418% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,603 |
| Loan loss allowance to noncurrent loans | 200.4304% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 2,060 |
| Noncurrent loans to loans | 0.5260% | 2,098 |
| Net loans and leases to total assets | 72.7102% | 882 |
| Net loans and leases to deposits | 84.3030% | 1,041 |
| Net loans and leases to core deposits | 89.1396% | 1,198 |
| Total domestic deposits to total assets | 86.2487% | 2,649 |
| Equity capital to assets | 8.7025% | 4,045 |
| Core capital (leverage) ratio | 9.0667% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,389,567,667 | 452 |
| Average earning assets | $2,298,854,333 | 434 |
| Average equity | $203,229,000 | 527 |
| Average total loans | $1,819,559,333 | 396 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 2,994 |
| Cost of funding earning assets | 0.5216% | 1,260 |
| Net interest margin | 2.9543% | 3,375 |
| Noninterest income to average assets | 0.1835% | 4,276 |
| Noninterest expense to average assets | 1.7985% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8814% | 3,177 |
| Return on assets (ROA) | 0.8787% | 3,266 |
| Pretax return on assets | 1.2187% | 2,795 |
| Return on Equity (ROE) | 10.4638% | 2,547 |
| Retained earnings to average equity (ytd only) | 10.4638% | 1,531 |
| Net charge-offs to loans | -0.0002% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5404% | 3,080 |
| Assets per employee ($millions) | 11.5799% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,922 |
| Loan loss allowance to noncurrent loans | 209.6177% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 1,847 |
| Noncurrent loans to loans | 0.6715% | 1,901 |
| Net loans and leases to total assets | 75.3793% | 690 |
| Net loans and leases to deposits | 88.0905% | 822 |
| Net loans and leases to core deposits | 93.2038% | 1,030 |
| Total domestic deposits to total assets | 85.5703% | 2,902 |
| Equity capital to assets | 8.6988% | 3,963 |
| Core capital (leverage) ratio | 9.4467% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,322,108,500 | 454 |
| Average earning assets | $2,230,109,000 | 440 |
| Average equity | $194,996,500 | 544 |
| Average total loans | $1,801,780,500 | 396 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,194 |
| Cost of funding earning assets | 0.8047% | 1,187 |
| Net interest margin | 3.0333% | 3,815 |
| Noninterest income to average assets | 0.2005% | 4,272 |
| Noninterest expense to average assets | 1.9202% | 4,283 |
| Loan and lease loss provision to assets | 0.5994% | 335 |
| Net operating income to assets | 0.4317% | 4,179 |
| Return on assets (ROA) | 0.4332% | 4,259 |
| Pretax return on assets | 0.5756% | 4,133 |
| Return on Equity (ROE) | 4.9576% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.9576% | 2,294 |
| Net charge-offs to loans | 0.0007% | 3,407 |
| Credit loss provision to net charge-offs | 99,333.3333% | 7 |
| Earnings coverage of net charge-offs (x) | 1,944.0833% | 56 |
| Efficiency ratio | 62.0759% | 3,118 |
| Assets per employee ($millions) | 10.7440% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,634 |
| Loan loss allowance to noncurrent loans | 239.4190% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,093 |
| Noncurrent loans to loans | 0.6205% | 2,140 |
| Net loans and leases to total assets | 77.6586% | 631 |
| Net loans and leases to deposits | 91.1322% | 844 |
| Net loans and leases to core deposits | 96.3522% | 1,097 |
| Total domestic deposits to total assets | 85.2153% | 2,679 |
| Equity capital to assets | 8.0694% | 4,676 |
| Core capital (leverage) ratio | 8.4222% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,988,697,200 | 478 |
| Average earning assets | $1,896,535,600 | 466 |
| Average equity | $173,793,200 | 579 |
| Average total loans | $1,629,264,400 | 416 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,232 |
| Cost of funding earning assets | 0.8704% | 1,171 |
| Net interest margin | 3.0345% | 3,896 |
| Noninterest income to average assets | 0.2218% | 4,168 |
| Noninterest expense to average assets | 1.9632% | 4,228 |
| Loan and lease loss provision to assets | 0.8235% | 213 |
| Net operating income to assets | 0.2589% | 4,511 |
| Return on assets (ROA) | 0.2599% | 4,552 |
| Pretax return on assets | 0.3257% | 4,522 |
| Return on Equity (ROE) | 2.9099% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.9099% | 3,556 |
| Net charge-offs to loans | 0.0013% | 3,181 |
| Credit loss provision to net charge-offs | 79,466.6667% | 10 |
| Earnings coverage of net charge-offs (x) | 1,107.7333% | 108 |
| Efficiency ratio | 63.1018% | 2,899 |
| Assets per employee ($millions) | 10.2762% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,356 |
| Loan loss allowance to noncurrent loans | 520.9242% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,206 |
| Noncurrent loans to loans | 0.2897% | 3,238 |
| Net loans and leases to total assets | 80.2843% | 590 |
| Net loans and leases to deposits | 95.4439% | 801 |
| Net loans and leases to core deposits | 101.5899% | 1,056 |
| Total domestic deposits to total assets | 84.1167% | 2,778 |
| Equity capital to assets | 8.2483% | 4,606 |
| Core capital (leverage) ratio | 8.5942% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,929,867,250 | 480 |
| Average earning assets | $1,837,505,250 | 466 |
| Average equity | $172,375,250 | 578 |
| Average total loans | $1,598,284,250 | 416 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,313 |
| Cost of funding earning assets | 0.9553% | 1,128 |
| Net interest margin | 3.0475% | 4,022 |
| Noninterest income to average assets | 0.2030% | 4,262 |
| Noninterest expense to average assets | 2.0182% | 4,197 |
| Loan and lease loss provision to assets | 1.2766% | 125 |
| Net operating income to assets | -0.1025% | 4,830 |
| Return on assets (ROA) | -0.0996% | 4,835 |
| Pretax return on assets | -0.1902% | 4,845 |
| Return on Equity (ROE) | -1.0837% | 4,848 |
| Retained earnings to average equity (ytd only) | -1.0837% | 4,489 |
| Net charge-offs to loans | 0.0024% | 2,922 |
| Credit loss provision to net charge-offs | 62,736.8421% | 16 |
| Earnings coverage of net charge-offs (x) | 532.1053% | 196 |
| Efficiency ratio | 65.0838% | 2,647 |
| Assets per employee ($millions) | 10.1503% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,138 |
| Loan loss allowance to noncurrent loans | 435.2558% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,079 |
| Noncurrent loans to loans | 0.3547% | 3,131 |
| Net loans and leases to total assets | 82.6150% | 356 |
| Net loans and leases to deposits | 96.1972% | 782 |
| Net loans and leases to core deposits | 102.2602% | 1,101 |
| Total domestic deposits to total assets | 85.8809% | 2,070 |
| Equity capital to assets | 8.4574% | 4,504 |
| Core capital (leverage) ratio | 8.6015% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,867,525,000 | 488 |
| Average earning assets | $1,775,817,333 | 475 |
| Average equity | $171,631,333 | 579 |
| Average total loans | $1,555,854,333 | 420 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 3,453 |
| Cost of funding earning assets | 1.0565% | 1,197 |
| Net interest margin | 3.0676% | 4,168 |
| Noninterest income to average assets | 0.2049% | 4,324 |
| Noninterest expense to average assets | 2.1494% | 4,117 |
| Loan and lease loss provision to assets | 0.1113% | 2,290 |
| Net operating income to assets | 0.6412% | 3,471 |
| Return on assets (ROA) | 0.6290% | 3,579 |
| Pretax return on assets | 0.8472% | 3,294 |
| Return on Equity (ROE) | 6.5522% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.5522% | 1,697 |
| Net charge-offs to loans | -0.0005% | 3,590 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8173% | 2,536 |
| Assets per employee ($millions) | 9.5704% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,860 |
| Loan loss allowance to noncurrent loans | 283.4624% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 3,273 |
| Noncurrent loans to loans | 0.3412% | 3,273 |
| Net loans and leases to total assets | 82.4377% | 401 |
| Net loans and leases to deposits | 97.9141% | 726 |
| Net loans and leases to core deposits | 105.4242% | 1,092 |
| Total domestic deposits to total assets | 84.1939% | 2,715 |
| Equity capital to assets | 9.5641% | 4,162 |
| Core capital (leverage) ratio | 9.7456% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,796,409,000 | 494 |
| Average earning assets | $1,709,070,000 | 476 |
| Average equity | $172,460,000 | 568 |
| Average total loans | $1,490,582,500 | 424 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,276 |
| Cost of funding earning assets | 1.1227% | 1,249 |
| Net interest margin | 3.2685% | 4,048 |
| Noninterest income to average assets | 0.2401% | 4,240 |
| Noninterest expense to average assets | 2.2907% | 3,965 |
| Loan and lease loss provision to assets | 0.1323% | 1,614 |
| Net operating income to assets | 0.7014% | 3,866 |
| Return on assets (ROA) | 0.7109% | 3,896 |
| Pretax return on assets | 0.9459% | 3,617 |
| Return on Equity (ROE) | 7.3314% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.3314% | 1,241 |
| Net charge-offs to loans | 0.0336% | 2,713 |
| Credit loss provision to net charge-offs | 468.6192% | 620 |
| Earnings coverage of net charge-offs (x) | 37.7741% | 1,366 |
| Efficiency ratio | 66.7810% | 2,651 |
| Assets per employee ($millions) | 9.3392% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,682 |
| Loan loss allowance to noncurrent loans | 266.3652% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,182 |
| Noncurrent loans to loans | 0.3616% | 3,153 |
| Net loans and leases to total assets | 81.9054% | 569 |
| Net loans and leases to deposits | 96.4449% | 901 |
| Net loans and leases to core deposits | 102.5568% | 1,352 |
| Total domestic deposits to total assets | 84.9245% | 2,521 |
| Equity capital to assets | 9.6373% | 4,232 |
| Core capital (leverage) ratio | 9.6906% | 3,857 |
| Tier 1 risk-based capital ratio | 11.8801% | 4,435 |
| Total risk-based capital ratio | 12.8769% | 4,446 |
| Memoranda: | ||
| Average total assets | $1,693,671,200 | 501 |
| Average earning assets | $1,615,009,600 | 479 |
| Average equity | $164,238,200 | 563 |
| Average total loans | $1,423,364,800 | 421 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 3,326 |
| Cost of funding earning assets | 1.1122% | 1,301 |
| Net interest margin | 3.2969% | 4,092 |
| Noninterest income to average assets | 0.1974% | 4,538 |
| Noninterest expense to average assets | 2.3178% | 3,909 |
| Loan and lease loss provision to assets | 0.1426% | 1,347 |
| Net operating income to assets | 0.6671% | 4,117 |
| Return on assets (ROA) | 0.6790% | 4,145 |
| Pretax return on assets | 0.8959% | 3,882 |
| Return on Equity (ROE) | 6.9903% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.9903% | 1,868 |
| Net charge-offs to loans | 0.0417% | 2,262 |
| Credit loss provision to net charge-offs | 404.9774% | 746 |
| Earnings coverage of net charge-offs (x) | 29.0633% | 1,657 |
| Efficiency ratio | 67.8255% | 2,450 |
| Assets per employee ($millions) | 9.2419% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 3,834 |
| Loan loss allowance to noncurrent loans | 258.6129% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,317 |
| Noncurrent loans to loans | 0.3667% | 3,239 |
| Net loans and leases to total assets | 82.9245% | 462 |
| Net loans and leases to deposits | 96.9088% | 914 |
| Net loans and leases to core deposits | 103.6904% | 1,348 |
| Total domestic deposits to total assets | 85.5696% | 2,180 |
| Equity capital to assets | 9.6904% | 4,301 |
| Core capital (leverage) ratio | 9.6453% | 4,031 |
| Tier 1 risk-based capital ratio | 12.0310% | 4,405 |
| Total risk-based capital ratio | 13.0328% | 4,422 |
| Memoranda: | ||
| Average total assets | $1,673,476,250 | 507 |
| Average earning assets | $1,595,756,250 | 486 |
| Average equity | $162,545,500 | 569 |
| Average total loans | $1,412,329,250 | 427 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 3,363 |
| Cost of funding earning assets | 1.0650% | 1,431 |
| Net interest margin | 3.3248% | 4,089 |
| Noninterest income to average assets | 0.2038% | 4,528 |
| Noninterest expense to average assets | 2.4214% | 3,681 |
| Loan and lease loss provision to assets | 0.1800% | 994 |
| Net operating income to assets | 0.5967% | 4,313 |
| Return on assets (ROA) | 0.6099% | 4,318 |
| Pretax return on assets | 0.7896% | 4,120 |
| Return on Equity (ROE) | 6.2746% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.2746% | 2,161 |
| Net charge-offs to loans | 0.0620% | 1,758 |
| Credit loss provision to net charge-offs | 343.3180% | 818 |
| Earnings coverage of net charge-offs (x) | 18.1705% | 1,867 |
| Efficiency ratio | 70.2106% | 2,192 |
| Assets per employee ($millions) | 8.9785% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,918 |
| Loan loss allowance to noncurrent loans | 240.4225% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 3,211 |
| Noncurrent loans to loans | 0.3907% | 3,124 |
| Net loans and leases to total assets | 83.9001% | 366 |
| Net loans and leases to deposits | 98.7757% | 766 |
| Net loans and leases to core deposits | 105.0375% | 1,302 |
| Total domestic deposits to total assets | 84.9401% | 2,502 |
| Equity capital to assets | 9.7137% | 4,221 |
| Core capital (leverage) ratio | 9.9070% | 3,695 |
| Tier 1 risk-based capital ratio | 12.0176% | 4,405 |
| Total risk-based capital ratio | 13.0194% | 4,434 |
| Memoranda: | ||
| Average total assets | $1,655,226,330 | 514 |
| Average earning assets | $1,578,403,000 | 488 |
| Average equity | $160,903,330 | 571 |
| Average total loans | $1,400,824,330 | 428 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 3,513 |
| Cost of funding earning assets | 1.0674% | 1,300 |
| Net interest margin | 3.2488% | 4,283 |
| Noninterest income to average assets | 0.1520% | 4,830 |
| Noninterest expense to average assets | 2.0271% | 4,592 |
| Loan and lease loss provision to assets | 0.2308% | 658 |
| Net operating income to assets | 0.7509% | 3,768 |
| Return on assets (ROA) | 0.7825% | 3,728 |
| Pretax return on assets | 1.0306% | 3,343 |
| Return on Equity (ROE) | 8.3569% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.3569% | 1,531 |
| Net charge-offs to loans | 0.1014% | 1,133 |
| Credit loss provision to net charge-offs | 261.4379% | 903 |
| Earnings coverage of net charge-offs (x) | 13.8366% | 1,825 |
| Efficiency ratio | 62.4045% | 3,470 |
| Assets per employee ($millions) | 9.4370% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,452 |
| Loan loss allowance to noncurrent loans | 242.5604% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 3,117 |
| Noncurrent loans to loans | 0.4296% | 3,041 |
| Net loans and leases to total assets | 85.0515% | 272 |
| Net loans and leases to deposits | 105.3860% | 339 |
| Net loans and leases to core deposits | 111.4415% | 864 |
| Total domestic deposits to total assets | 80.7047% | 4,020 |
| Equity capital to assets | 9.1496% | 4,580 |
| Core capital (leverage) ratio | 9.9551% | 3,654 |
| Tier 1 risk-based capital ratio | 11.2309% | 4,871 |
| Total risk-based capital ratio | 12.3305% | 4,845 |
| Memoranda: | ||
| Average total assets | $1,386,779,000 | 590 |
| Average earning assets | $1,321,705,000 | 572 |
| Average equity | $129,856,000 | 702 |
| Average total loans | $1,207,115,000 | 496 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 3,370 |
| Cost of funding earning assets | 0.8739% | 1,195 |
| Net interest margin | 3.3518% | 4,126 |
| Noninterest income to average assets | 0.1954% | 4,732 |
| Noninterest expense to average assets | 2.1283% | 4,501 |
| Loan and lease loss provision to assets | 0.1106% | 1,989 |
| Net operating income to assets | 0.8232% | 3,717 |
| Return on assets (ROA) | 0.8232% | 3,714 |
| Pretax return on assets | 1.0910% | 3,309 |
| Return on Equity (ROE) | 8.7172% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.7172% | 970 |
| Net charge-offs to loans | 0.0353% | 2,697 |
| Credit loss provision to net charge-offs | 368.9744% | 871 |
| Earnings coverage of net charge-offs (x) | 40.1026% | 1,304 |
| Efficiency ratio | 63.9157% | 3,205 |
| Assets per employee ($millions) | 8.6396% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,416 |
| Loan loss allowance to noncurrent loans | 209.9252% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 2,771 |
| Noncurrent loans to loans | 0.4981% | 2,778 |
| Net loans and leases to total assets | 87.2977% | 151 |
| Net loans and leases to deposits | 103.8110% | 486 |
| Net loans and leases to core deposits | 108.8814% | 1,059 |
| Total domestic deposits to total assets | 84.0929% | 2,972 |
| Equity capital to assets | 9.5934% | 4,053 |
| Core capital (leverage) ratio | 9.7790% | 3,825 |
| Tier 1 risk-based capital ratio | 11.5554% | 4,698 |
| Total risk-based capital ratio | 12.6665% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,301,670,600 | 603 |
| Average earning assets | $1,217,220,400 | 591 |
| Average equity | $122,929,400 | 701 |
| Average total loans | $1,103,890,200 | 517 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,491 |
| Cost of funding earning assets | 0.8248% | 1,218 |
| Net interest margin | 3.3155% | 4,242 |
| Noninterest income to average assets | 0.1989% | 4,780 |
| Noninterest expense to average assets | 2.1082% | 4,531 |
| Loan and lease loss provision to assets | 0.1134% | 1,792 |
| Net operating income to assets | 0.7971% | 3,910 |
| Return on assets (ROA) | 0.7971% | 3,920 |
| Pretax return on assets | 1.0626% | 3,527 |
| Return on Equity (ROE) | 8.4752% | 3,344 |
| Retained earnings to average equity (ytd only) | 8.4752% | 1,432 |
| Net charge-offs to loans | 0.0482% | 2,141 |
| Credit loss provision to net charge-offs | 280.3571% | 1,076 |
| Earnings coverage of net charge-offs (x) | 29.0767% | 1,643 |
| Efficiency ratio | 64.1933% | 3,150 |
| Assets per employee ($millions) | 8.9854% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,374 |
| Loan loss allowance to noncurrent loans | 231.0060% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,119 |
| Noncurrent loans to loans | 0.4619% | 3,000 |
| Net loans and leases to total assets | 82.0764% | 701 |
| Net loans and leases to deposits | 94.6012% | 1,312 |
| Net loans and leases to core deposits | 100.5881% | 1,735 |
| Total domestic deposits to total assets | 86.7604% | 1,843 |
| Equity capital to assets | 9.2452% | 4,328 |
| Core capital (leverage) ratio | 9.4911% | 4,187 |
| Tier 1 risk-based capital ratio | 11.5481% | 4,766 |
| Total risk-based capital ratio | 12.6536% | 4,728 |
| Memoranda: | ||
| Average total assets | $1,292,303,250 | 607 |
| Average earning assets | $1,202,558,500 | 598 |
| Average equity | $121,544,500 | 706 |
| Average total loans | $1,084,515,250 | 521 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 3,533 |
| Cost of funding earning assets | 0.7782% | 1,232 |
| Net interest margin | 3.2991% | 4,252 |
| Noninterest income to average assets | 0.1964% | 4,840 |
| Noninterest expense to average assets | 2.1366% | 4,527 |
| Loan and lease loss provision to assets | 0.1021% | 1,899 |
| Net operating income to assets | 0.7694% | 3,959 |
| Return on assets (ROA) | 0.7694% | 3,965 |
| Pretax return on assets | 1.0447% | 3,528 |
| Return on Equity (ROE) | 8.1316% | 3,442 |
| Retained earnings to average equity (ytd only) | 8.1316% | 1,566 |
| Net charge-offs to loans | 0.0738% | 1,593 |
| Credit loss provision to net charge-offs | 164.3038% | 1,488 |
| Earnings coverage of net charge-offs (x) | 18.4481% | 1,902 |
| Efficiency ratio | 65.0721% | 3,145 |
| Assets per employee ($millions) | 8.5386% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,508 |
| Loan loss allowance to noncurrent loans | 209.2143% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 3,042 |
| Noncurrent loans to loans | 0.5044% | 2,908 |
| Net loans and leases to total assets | 82.4091% | 665 |
| Net loans and leases to deposits | 96.3888% | 1,103 |
| Net loans and leases to core deposits | 102.7304% | 1,510 |
| Total domestic deposits to total assets | 85.4966% | 2,498 |
| Equity capital to assets | 9.3289% | 4,260 |
| Core capital (leverage) ratio | 9.6685% | 3,920 |
| Tier 1 risk-based capital ratio | 11.6176% | 4,733 |
| Total risk-based capital ratio | 12.7119% | 4,706 |
| Memoranda: | ||
| Average total assets | $1,270,807,670 | 613 |
| Average earning assets | $1,189,109,330 | 603 |
| Average equity | $120,246,670 | 712 |
| Average total loans | $1,070,815,330 | 523 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,480 |
| Cost of funding earning assets | 0.7450% | 1,212 |
| Net interest margin | 3.2921% | 4,211 |
| Noninterest income to average assets | 0.1595% | 5,062 |
| Noninterest expense to average assets | 2.0770% | 4,707 |
| Loan and lease loss provision to assets | 0.1361% | 1,388 |
| Net operating income to assets | 0.7595% | 3,876 |
| Return on assets (ROA) | 0.7595% | 3,875 |
| Pretax return on assets | 1.0462% | 3,370 |
| Return on Equity (ROE) | 7.9674% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.9674% | 1,851 |
| Net charge-offs to loans | -0.0004% | 3,739 |
| Credit loss provision to net charge-offs | -42,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7248% | 3,521 |
| Assets per employee ($millions) | 8.7011% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,443 |
| Loan loss allowance to noncurrent loans | 221.8041% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 3,154 |
| Noncurrent loans to loans | 0.4921% | 3,042 |
| Net loans and leases to total assets | 84.2420% | 417 |
| Net loans and leases to deposits | 96.1293% | 1,025 |
| Net loans and leases to core deposits | 102.3921% | 1,492 |
| Total domestic deposits to total assets | 87.6340% | 1,831 |
| Equity capital to assets | 9.5236% | 4,069 |
| Core capital (leverage) ratio | 9.8164% | 3,741 |
| Tier 1 risk-based capital ratio | 11.8461% | 4,653 |
| Total risk-based capital ratio | 13.0024% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,248,736,500 | 636 |
| Average earning assets | $1,175,798,000 | 614 |
| Average equity | $119,035,000 | 720 |
| Average total loans | $1,058,625,500 | 533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,741 |
| Cost of funding earning assets | 0.6742% | 1,161 |
| Net interest margin | 3.2208% | 4,388 |
| Noninterest income to average assets | 0.2501% | 4,635 |
| Noninterest expense to average assets | 1.9763% | 4,999 |
| Loan and lease loss provision to assets | 0.1541% | 1,465 |
| Net operating income to assets | 0.6678% | 3,740 |
| Return on assets (ROA) | 0.6678% | 3,788 |
| Pretax return on assets | 1.1849% | 2,827 |
| Return on Equity (ROE) | 6.8948% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.8948% | 1,119 |
| Net charge-offs to loans | 0.0113% | 3,695 |
| Credit loss provision to net charge-offs | 1,634.2342% | 238 |
| Earnings coverage of net charge-offs (x) | 142.0360% | 492 |
| Efficiency ratio | 59.6137% | 4,318 |
| Assets per employee ($millions) | 8.8273% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,429 |
| Loan loss allowance to noncurrent loans | 194.6444% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 2,989 |
| Noncurrent loans to loans | 0.5569% | 2,832 |
| Net loans and leases to total assets | 83.4569% | 502 |
| Net loans and leases to deposits | 96.0223% | 1,085 |
| Net loans and leases to core deposits | 101.3475% | 1,599 |
| Total domestic deposits to total assets | 86.9141% | 2,039 |
| Equity capital to assets | 9.5415% | 4,200 |
| Core capital (leverage) ratio | 9.9129% | 3,566 |
| Tier 1 risk-based capital ratio | 11.8232% | 4,642 |
| Total risk-based capital ratio | 12.9594% | 4,595 |
| Memoranda: | ||
| Average total assets | $1,177,528,000 | 637 |
| Average earning assets | $1,120,635,400 | 615 |
| Average equity | $114,042,400 | 716 |
| Average total loans | $981,800,400 | 553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,777 |
| Cost of funding earning assets | 0.6741% | 1,100 |
| Net interest margin | 3.1920% | 4,468 |
| Noninterest income to average assets | 0.2560% | 4,672 |
| Noninterest expense to average assets | 1.9863% | 4,984 |
| Loan and lease loss provision to assets | 0.1555% | 1,329 |
| Net operating income to assets | 0.7098% | 3,928 |
| Return on assets (ROA) | 0.7098% | 3,992 |
| Pretax return on assets | 1.1576% | 3,082 |
| Return on Equity (ROE) | 7.3000% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.3000% | 1,536 |
| Net charge-offs to loans | 0.0208% | 3,069 |
| Credit loss provision to net charge-offs | 898.0132% | 396 |
| Earnings coverage of net charge-offs (x) | 75.8470% | 848 |
| Efficiency ratio | 60.2022% | 4,178 |
| Assets per employee ($millions) | 8.5029% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,498 |
| Loan loss allowance to noncurrent loans | 230.1875% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,452 |
| Noncurrent loans to loans | 0.4763% | 3,258 |
| Net loans and leases to total assets | 81.8752% | 712 |
| Net loans and leases to deposits | 92.9382% | 1,428 |
| Net loans and leases to core deposits | 97.9380% | 1,890 |
| Total domestic deposits to total assets | 88.0965% | 1,313 |
| Equity capital to assets | 9.7687% | 4,177 |
| Core capital (leverage) ratio | 9.7985% | 3,822 |
| Tier 1 risk-based capital ratio | 12.3620% | 4,401 |
| Total risk-based capital ratio | 13.5153% | 4,354 |
| Memoranda: | ||
| Average total assets | $1,162,956,250 | 642 |
| Average earning assets | $1,108,791,750 | 621 |
| Average equity | $113,074,250 | 728 |
| Average total loans | $966,581,500 | 560 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 3,899 |
| Cost of funding earning assets | 0.6696% | 1,042 |
| Net interest margin | 3.1293% | 4,605 |
| Noninterest income to average assets | 0.2222% | 4,918 |
| Noninterest expense to average assets | 1.9695% | 5,036 |
| Loan and lease loss provision to assets | 0.1558% | 1,284 |
| Net operating income to assets | 0.6687% | 3,988 |
| Return on assets (ROA) | 0.6687% | 4,046 |
| Pretax return on assets | 1.0829% | 3,251 |
| Return on Equity (ROE) | 6.8891% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.8891% | 1,647 |
| Net charge-offs to loans | -0.0012% | 4,148 |
| Credit loss provision to net charge-offs | -14,983.3333% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3897% | 4,103 |
| Assets per employee ($millions) | 8.6692% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,796 |
| Loan loss allowance to noncurrent loans | 312.9282% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 3,989 |
| Noncurrent loans to loans | 0.3387% | 3,831 |
| Net loans and leases to total assets | 83.1821% | 526 |
| Net loans and leases to deposits | 94.5039% | 1,223 |
| Net loans and leases to core deposits | 99.2403% | 1,703 |
| Total domestic deposits to total assets | 88.0198% | 1,451 |
| Equity capital to assets | 9.6673% | 4,259 |
| Core capital (leverage) ratio | 9.7502% | 3,834 |
| Tier 1 risk-based capital ratio | 12.3012% | 4,429 |
| Total risk-based capital ratio | 13.4380% | 4,380 |
| Memoranda: | ||
| Average total assets | $1,153,805,000 | 649 |
| Average earning assets | $1,100,954,330 | 626 |
| Average equity | $112,003,330 | 737 |
| Average total loans | $960,290,000 | 563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 3,840 |
| Cost of funding earning assets | 0.6634% | 1,009 |
| Net interest margin | 3.1137% | 4,617 |
| Noninterest income to average assets | 0.1507% | 5,358 |
| Noninterest expense to average assets | 1.9302% | 5,182 |
| Loan and lease loss provision to assets | 0.1577% | 1,145 |
| Net operating income to assets | 0.6218% | 4,052 |
| Return on assets (ROA) | 0.6218% | 4,103 |
| Pretax return on assets | 1.0336% | 3,223 |
| Return on Equity (ROE) | 6.3919% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.3919% | 2,139 |
| Net charge-offs to loans | -0.0017% | 3,998 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8347% | 4,176 |
| Assets per employee ($millions) | 8.6956% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,016 |
| Loan loss allowance to noncurrent loans | 301.3789% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,070 |
| Noncurrent loans to loans | 0.3460% | 3,861 |
| Net loans and leases to total assets | 81.2828% | 661 |
| Net loans and leases to deposits | 93.0642% | 1,214 |
| Net loans and leases to core deposits | 97.7984% | 1,673 |
| Total domestic deposits to total assets | 87.3406% | 2,053 |
| Equity capital to assets | 9.5313% | 4,253 |
| Core capital (leverage) ratio | 9.8093% | 3,746 |
| Tier 1 risk-based capital ratio | 11.4918% | 5,035 |
| Total risk-based capital ratio | 12.5278% | 5,058 |
| Memoranda: | ||
| Average total assets | $1,141,199,500 | 662 |
| Average earning assets | $1,088,866,500 | 637 |
| Average equity | $111,015,500 | 741 |
| Average total loans | $944,817,500 | 574 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,766 |
| Cost of funding earning assets | 0.6308% | 1,152 |
| Net interest margin | 3.2123% | 4,411 |
| Noninterest income to average assets | 0.2510% | 4,921 |
| Noninterest expense to average assets | 2.0371% | 5,117 |
| Loan and lease loss provision to assets | 0.1092% | 2,233 |
| Net operating income to assets | 0.7059% | 3,754 |
| Return on assets (ROA) | 0.7059% | 3,867 |
| Pretax return on assets | 1.1544% | 2,878 |
| Return on Equity (ROE) | 6.8287% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.8287% | 1,296 |
| Net charge-offs to loans | 0.0097% | 3,937 |
| Credit loss provision to net charge-offs | 1,341.6667% | 303 |
| Earnings coverage of net charge-offs (x) | 155.2262% | 416 |
| Efficiency ratio | 61.7164% | 4,305 |
| Assets per employee ($millions) | 8.6601% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,094 |
| Loan loss allowance to noncurrent loans | 313.9307% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,179 |
| Noncurrent loans to loans | 0.3305% | 3,956 |
| Net loans and leases to total assets | 82.6164% | 527 |
| Net loans and leases to deposits | 95.3921% | 1,058 |
| Net loans and leases to core deposits | 100.5132% | 1,578 |
| Total domestic deposits to total assets | 86.6072% | 2,326 |
| Equity capital to assets | 9.9362% | 3,783 |
| Core capital (leverage) ratio | 10.1866% | 3,241 |
| Tier 1 risk-based capital ratio | 11.7488% | 4,893 |
| Total risk-based capital ratio | 12.7804% | 4,937 |
| Memoranda: | ||
| Average total assets | $1,031,884,000 | 696 |
| Average earning assets | $979,645,000 | 678 |
| Average equity | $106,668,200 | 749 |
| Average total loans | $862,854,400 | 589 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,771 |
| Cost of funding earning assets | 0.6189% | 1,214 |
| Net interest margin | 3.2302% | 4,401 |
| Noninterest income to average assets | 0.2619% | 4,898 |
| Noninterest expense to average assets | 2.0793% | 5,043 |
| Loan and lease loss provision to assets | 0.1090% | 2,107 |
| Net operating income to assets | 0.6974% | 3,864 |
| Return on assets (ROA) | 0.6974% | 3,993 |
| Pretax return on assets | 1.1366% | 3,092 |
| Return on Equity (ROE) | 6.6754% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.6754% | 1,797 |
| Net charge-offs to loans | 0.0085% | 3,630 |
| Credit loss provision to net charge-offs | 1,533.3333% | 301 |
| Earnings coverage of net charge-offs (x) | 175.1993% | 410 |
| Efficiency ratio | 62.5381% | 4,134 |
| Assets per employee ($millions) | 8.5898% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 4,102 |
| Loan loss allowance to noncurrent loans | 241.8978% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 3,658 |
| Noncurrent loans to loans | 0.4354% | 3,725 |
| Net loans and leases to total assets | 83.6354% | 445 |
| Net loans and leases to deposits | 96.6779% | 980 |
| Net loans and leases to core deposits | 102.3313% | 1,463 |
| Total domestic deposits to total assets | 86.5093% | 2,121 |
| Equity capital to assets | 10.3427% | 3,756 |
| Core capital (leverage) ratio | 10.4639% | 3,033 |
| Tier 1 risk-based capital ratio | 12.1997% | 4,678 |
| Total risk-based capital ratio | 13.2542% | 4,690 |
| Memoranda: | ||
| Average total assets | $1,012,730,750 | 712 |
| Average earning assets | $960,319,000 | 692 |
| Average equity | $105,799,500 | 755 |
| Average total loans | $847,218,000 | 591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 3,784 |
| Cost of funding earning assets | 0.6026% | 1,293 |
| Net interest margin | 3.2444% | 4,396 |
| Noninterest income to average assets | 0.3199% | 4,493 |
| Noninterest expense to average assets | 2.0777% | 5,107 |
| Loan and lease loss provision to assets | 0.1185% | 1,925 |
| Net operating income to assets | 0.7355% | 3,624 |
| Return on assets (ROA) | 0.7355% | 3,787 |
| Pretax return on assets | 1.1990% | 2,784 |
| Return on Equity (ROE) | 7.0156% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.0156% | 1,590 |
| Net charge-offs to loans | 0.0134% | 3,276 |
| Credit loss provision to net charge-offs | 1,058.9286% | 357 |
| Earnings coverage of net charge-offs (x) | 117.7500% | 497 |
| Efficiency ratio | 61.1958% | 4,479 |
| Assets per employee ($millions) | 7.6177% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 4,097 |
| Loan loss allowance to noncurrent loans | 295.7398% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,917 |
| Noncurrent loans to loans | 0.3625% | 4,067 |
| Net loans and leases to total assets | 82.2118% | 603 |
| Net loans and leases to deposits | 96.3972% | 1,040 |
| Net loans and leases to core deposits | 103.7945% | 1,333 |
| Total domestic deposits to total assets | 85.2844% | 2,741 |
| Equity capital to assets | 10.4727% | 3,666 |
| Core capital (leverage) ratio | 10.5581% | 2,901 |
| Tier 1 risk-based capital ratio | 12.5282% | 4,501 |
| Total risk-based capital ratio | 13.6004% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,000,990,670 | 722 |
| Average earning assets | $948,835,670 | 699 |
| Average equity | $104,937,330 | 760 |
| Average total loans | $834,361,330 | 593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,598 |
| Cost of funding earning assets | 0.5846% | 1,452 |
| Net interest margin | 3.3133% | 4,178 |
| Noninterest income to average assets | 0.3390% | 4,311 |
| Noninterest expense to average assets | 2.0858% | 5,140 |
| Loan and lease loss provision to assets | 0.1211% | 1,745 |
| Net operating income to assets | 0.7814% | 3,343 |
| Return on assets (ROA) | 0.7814% | 3,449 |
| Pretax return on assets | 1.2725% | 2,410 |
| Return on Equity (ROE) | 7.4494% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.4494% | 1,687 |
| Net charge-offs to loans | -0.0005% | 4,064 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9466% | 4,751 |
| Assets per employee ($millions) | 8.5326% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 4,209 |
| Loan loss allowance to noncurrent loans | 227.5366% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 3,722 |
| Noncurrent loans to loans | 0.4712% | 3,766 |
| Net loans and leases to total assets | 81.8634% | 576 |
| Net loans and leases to deposits | 98.4745% | 721 |
| Net loans and leases to core deposits | 105.1729% | 1,126 |
| Total domestic deposits to total assets | 83.1315% | 3,851 |
| Equity capital to assets | 10.5089% | 3,479 |
| Core capital (leverage) ratio | 10.6229% | 2,824 |
| Tier 1 risk-based capital ratio | 12.7423% | 4,437 |
| Total risk-based capital ratio | 13.8214% | 4,449 |
| Memoranda: | ||
| Average total assets | $991,102,000 | 732 |
| Average earning assets | $939,372,500 | 704 |
| Average equity | $103,955,000 | 770 |
| Average total loans | $827,399,000 | 595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,713 |
| Cost of funding earning assets | 0.5779% | 1,517 |
| Net interest margin | 3.3200% | 4,211 |
| Noninterest income to average assets | 0.2849% | 4,851 |
| Noninterest expense to average assets | 2.0480% | 5,361 |
| Loan and lease loss provision to assets | 0.1427% | 1,663 |
| Net operating income to assets | 0.7597% | 3,529 |
| Return on assets (ROA) | 0.7618% | 3,605 |
| Pretax return on assets | 1.2413% | 2,499 |
| Return on Equity (ROE) | 7.1544% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.1544% | 1,211 |
| Net charge-offs to loans | 0.0399% | 3,425 |
| Credit loss provision to net charge-offs | 436.4821% | 703 |
| Earnings coverage of net charge-offs (x) | 42.2182% | 1,126 |
| Efficiency ratio | 59.7322% | 4,940 |
| Assets per employee ($millions) | 8.4093% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,425 |
| Loan loss allowance to noncurrent loans | 154.0414% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 3,114 |
| Noncurrent loans to loans | 0.6703% | 3,182 |
| Net loans and leases to total assets | 83.3558% | 444 |
| Net loans and leases to deposits | 102.0082% | 541 |
| Net loans and leases to core deposits | 108.9759% | 920 |
| Total domestic deposits to total assets | 81.7148% | 4,256 |
| Equity capital to assets | 10.4684% | 3,399 |
| Core capital (leverage) ratio | 10.8370% | 2,575 |
| Tier 1 risk-based capital ratio | 12.5614% | 4,589 |
| Total risk-based capital ratio | 13.6083% | 4,621 |
| Memoranda: | ||
| Average total assets | $938,790,200 | 734 |
| Average earning assets | $888,912,200 | 713 |
| Average equity | $99,967,000 | 771 |
| Average total loans | $768,657,000 | 606 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 3,697 |
| Cost of funding earning assets | 0.5841% | 1,512 |
| Net interest margin | 3.3320% | 4,212 |
| Noninterest income to average assets | 0.3092% | 4,725 |
| Noninterest expense to average assets | 2.0582% | 5,367 |
| Loan and lease loss provision to assets | 0.1496% | 1,454 |
| Net operating income to assets | 0.7733% | 3,564 |
| Return on assets (ROA) | 0.7762% | 3,638 |
| Pretax return on assets | 1.2607% | 2,552 |
| Return on Equity (ROE) | 7.2572% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.2572% | 1,567 |
| Net charge-offs to loans | 0.0545% | 2,826 |
| Credit loss provision to net charge-offs | 337.9870% | 867 |
| Earnings coverage of net charge-offs (x) | 31.7497% | 1,444 |
| Efficiency ratio | 59.4182% | 4,954 |
| Assets per employee ($millions) | 7.8024% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 4,363 |
| Loan loss allowance to noncurrent loans | 221.9027% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,775 |
| Noncurrent loans to loans | 0.4839% | 3,907 |
| Net loans and leases to total assets | 81.9252% | 585 |
| Net loans and leases to deposits | 98.0410% | 812 |
| Net loans and leases to core deposits | 104.5694% | 1,195 |
| Total domestic deposits to total assets | 83.5621% | 3,584 |
| Equity capital to assets | 10.9140% | 3,112 |
| Core capital (leverage) ratio | 10.7476% | 2,776 |
| Tier 1 risk-based capital ratio | 13.3245% | 4,238 |
| Total risk-based capital ratio | 14.4167% | 4,262 |
| Memoranda: | ||
| Average total assets | $927,514,750 | 746 |
| Average earning assets | $878,176,750 | 727 |
| Average equity | $99,209,250 | 780 |
| Average total loans | $753,649,250 | 621 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 3,767 |
| Cost of funding earning assets | 0.5870% | 1,510 |
| Net interest margin | 3.2939% | 4,326 |
| Noninterest income to average assets | 0.2604% | 5,090 |
| Noninterest expense to average assets | 2.0477% | 5,445 |
| Loan and lease loss provision to assets | 0.1590% | 1,338 |
| Net operating income to assets | 0.7273% | 3,755 |
| Return on assets (ROA) | 0.7280% | 3,872 |
| Pretax return on assets | 1.1752% | 2,880 |
| Return on Equity (ROE) | 6.8527% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.8527% | 1,770 |
| Net charge-offs to loans | 0.0647% | 2,456 |
| Credit loss provision to net charge-offs | 304.5455% | 923 |
| Earnings coverage of net charge-offs (x) | 25.5372% | 1,519 |
| Efficiency ratio | 60.5691% | 4,902 |
| Assets per employee ($millions) | 8.3616% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,659 |
| Loan loss allowance to noncurrent loans | 203.8383% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,861 |
| Noncurrent loans to loans | 0.5103% | 3,926 |
| Net loans and leases to total assets | 81.4638% | 612 |
| Net loans and leases to deposits | 97.7909% | 813 |
| Net loans and leases to core deposits | 104.9399% | 1,131 |
| Total domestic deposits to total assets | 83.3040% | 3,830 |
| Equity capital to assets | 10.6947% | 3,218 |
| Core capital (leverage) ratio | 10.6738% | 2,764 |
| Tier 1 risk-based capital ratio | 13.3166% | 4,336 |
| Total risk-based capital ratio | 14.3985% | 4,348 |
| Memoranda: | ||
| Average total assets | $927,191,670 | 755 |
| Average earning assets | $878,363,670 | 731 |
| Average equity | $98,500,670 | 787 |
| Average total loans | $748,559,330 | 626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 3,677 |
| Cost of funding earning assets | 0.5953% | 1,467 |
| Net interest margin | 3.2906% | 4,257 |
| Noninterest income to average assets | 0.2493% | 5,171 |
| Noninterest expense to average assets | 2.0847% | 5,420 |
| Loan and lease loss provision to assets | 0.1570% | 1,296 |
| Net operating income to assets | 0.6984% | 3,810 |
| Return on assets (ROA) | 0.6998% | 3,928 |
| Pretax return on assets | 1.1282% | 2,957 |
| Return on Equity (ROE) | 6.6098% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.6098% | 2,185 |
| Net charge-offs to loans | 0.1302% | 1,472 |
| Credit loss provision to net charge-offs | 150.8333% | 1,238 |
| Earnings coverage of net charge-offs (x) | 12.3292% | 1,806 |
| Efficiency ratio | 61.9029% | 4,813 |
| Assets per employee ($millions) | 8.0247% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 4,866 |
| Loan loss allowance to noncurrent loans | 234.5399% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,192 |
| Noncurrent loans to loans | 0.4393% | 4,283 |
| Net loans and leases to total assets | 78.9057% | 807 |
| Net loans and leases to deposits | 92.9767% | 1,092 |
| Net loans and leases to core deposits | 99.0815% | 1,387 |
| Total domestic deposits to total assets | 84.8661% | 3,472 |
| Equity capital to assets | 10.5785% | 3,454 |
| Core capital (leverage) ratio | 10.5751% | 2,875 |
| Tier 1 risk-based capital ratio | 13.6137% | 4,271 |
| Total risk-based capital ratio | 14.6880% | 4,272 |
| Memoranda: | ||
| Average total assets | $922,539,500 | 758 |
| Average earning assets | $874,240,500 | 733 |
| Average equity | $97,673,500 | 792 |
| Average total loans | $737,377,000 | 630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,267 |
| Cost of funding earning assets | 0.6263% | 1,566 |
| Net interest margin | 3.2392% | 4,795 |
| Noninterest income to average assets | 0.2112% | 5,594 |
| Noninterest expense to average assets | 1.9670% | 5,830 |
| Loan and lease loss provision to assets | 0.1474% | 1,785 |
| Net operating income to assets | 0.7240% | 3,774 |
| Return on assets (ROA) | 0.7499% | 3,730 |
| Pretax return on assets | 1.2016% | 2,646 |
| Return on Equity (ROE) | 7.1971% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.1971% | 1,317 |
| Net charge-offs to loans | 0.0612% | 3,620 |
| Credit loss provision to net charge-offs | 312.7962% | 833 |
| Earnings coverage of net charge-offs (x) | 27.7607% | 1,422 |
| Efficiency ratio | 60.0512% | 5,220 |
| Assets per employee ($millions) | 7.9497% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,914 |
| Loan loss allowance to noncurrent loans | 273.0044% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 4,467 |
| Noncurrent loans to loans | 0.3762% | 4,514 |
| Net loans and leases to total assets | 79.3117% | 838 |
| Net loans and leases to deposits | 92.4984% | 1,238 |
| Net loans and leases to core deposits | 98.9445% | 1,472 |
| Total domestic deposits to total assets | 85.7439% | 2,967 |
| Equity capital to assets | 10.5966% | 3,360 |
| Core capital (leverage) ratio | 10.6636% | 2,762 |
| Tier 1 risk-based capital ratio | 14.0345% | 4,064 |
| Total risk-based capital ratio | 15.1439% | 4,112 |
| Memoranda: | ||
| Average total assets | $895,285,800 | 742 |
| Average earning assets | $846,937,200 | 720 |
| Average equity | $93,287,200 | 794 |
| Average total loans | $689,439,200 | 627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,301 |
| Cost of funding earning assets | 0.6347% | 1,562 |
| Net interest margin | 3.2306% | 4,855 |
| Noninterest income to average assets | 0.2101% | 5,676 |
| Noninterest expense to average assets | 1.9776% | 5,802 |
| Loan and lease loss provision to assets | 0.1454% | 1,722 |
| Net operating income to assets | 0.7127% | 3,874 |
| Return on assets (ROA) | 0.7475% | 3,775 |
| Pretax return on assets | 1.1964% | 2,791 |
| Return on Equity (ROE) | 7.2055% | 3,607 |
| Retained earnings to average equity (ytd only) | 7.2055% | 1,716 |
| Net charge-offs to loans | 0.0725% | 3,161 |
| Credit loss provision to net charge-offs | 263.1436% | 1,012 |
| Earnings coverage of net charge-offs (x) | 23.3034% | 1,591 |
| Efficiency ratio | 60.5695% | 5,112 |
| Assets per employee ($millions) | 8.5335% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,026 |
| Loan loss allowance to noncurrent loans | 500.5540% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 5,011 |
| Noncurrent loans to loans | 0.2081% | 5,279 |
| Net loans and leases to total assets | 77.3842% | 1,046 |
| Net loans and leases to deposits | 89.4253% | 1,485 |
| Net loans and leases to core deposits | 95.7104% | 1,696 |
| Total domestic deposits to total assets | 86.5350% | 2,569 |
| Equity capital to assets | 10.7245% | 3,264 |
| Core capital (leverage) ratio | 10.5364% | 3,005 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,956 |
| Total risk-based capital ratio | 15.4964% | 3,980 |
| Memoranda: | ||
| Average total assets | $890,552,750 | 753 |
| Average earning assets | $842,135,250 | 727 |
| Average equity | $92,390,000 | 801 |
| Average total loans | $678,647,500 | 637 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,345 |
| Cost of funding earning assets | 0.6435% | 1,562 |
| Net interest margin | 3.2034% | 4,936 |
| Noninterest income to average assets | 0.1976% | 5,777 |
| Noninterest expense to average assets | 1.9579% | 5,901 |
| Loan and lease loss provision to assets | 0.1651% | 1,485 |
| Net operating income to assets | 0.6893% | 3,901 |
| Return on assets (ROA) | 0.7414% | 3,715 |
| Pretax return on assets | 1.1844% | 2,741 |
| Return on Equity (ROE) | 7.2272% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.2272% | 1,650 |
| Net charge-offs to loans | 0.0823% | 2,869 |
| Credit loss provision to net charge-offs | 265.7040% | 949 |
| Earnings coverage of net charge-offs (x) | 20.4079% | 1,584 |
| Efficiency ratio | 60.6912% | 5,194 |
| Assets per employee ($millions) | 7.8918% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 5,122 |
| Loan loss allowance to noncurrent loans | 459.1704% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 5,063 |
| Noncurrent loans to loans | 0.2283% | 5,316 |
| Net loans and leases to total assets | 74.9872% | 1,308 |
| Net loans and leases to deposits | 86.5274% | 1,768 |
| Net loans and leases to core deposits | 93.3659% | 1,831 |
| Total domestic deposits to total assets | 86.6629% | 2,660 |
| Equity capital to assets | 10.4270% | 3,531 |
| Core capital (leverage) ratio | 10.1431% | 3,421 |
| Tier 1 risk-based capital ratio | 14.3595% | 4,020 |
| Total risk-based capital ratio | 15.4736% | 4,044 |
| Memoranda: | ||
| Average total assets | $891,575,330 | 752 |
| Average earning assets | $842,849,330 | 726 |
| Average equity | $91,460,670 | 802 |
| Average total loans | $673,529,670 | 635 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 4,353 |
| Cost of funding earning assets | 0.6428% | 1,633 |
| Net interest margin | 3.1886% | 4,955 |
| Noninterest income to average assets | 0.1674% | 5,976 |
| Noninterest expense to average assets | 1.8684% | 6,114 |
| Loan and lease loss provision to assets | 0.1804% | 1,332 |
| Net operating income to assets | 0.7072% | 3,650 |
| Return on assets (ROA) | 0.7489% | 3,504 |
| Pretax return on assets | 1.1976% | 2,493 |
| Return on Equity (ROE) | 7.3607% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.3607% | 1,874 |
| Net charge-offs to loans | 0.0387% | 2,841 |
| Credit loss provision to net charge-offs | 618.4615% | 454 |
| Earnings coverage of net charge-offs (x) | 45.0154% | 816 |
| Efficiency ratio | 58.7306% | 5,575 |
| Assets per employee ($millions) | 8.0882% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,422 |
| Loan loss allowance to noncurrent loans | 185.9776% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 4,260 |
| Noncurrent loans to loans | 0.5516% | 4,509 |
| Net loans and leases to total assets | 73.4996% | 1,349 |
| Net loans and leases to deposits | 85.6605% | 1,642 |
| Net loans and leases to core deposits | 91.8615% | 1,744 |
| Total domestic deposits to total assets | 85.8033% | 3,466 |
| Equity capital to assets | 10.0114% | 3,827 |
| Core capital (leverage) ratio | 10.0824% | 3,451 |
| Tier 1 risk-based capital ratio | 14.1745% | 4,209 |
| Total risk-based capital ratio | 15.2746% | 4,257 |
| Memoranda: | ||
| Average total assets | $891,477,500 | 758 |
| Average earning assets | $842,625,500 | 731 |
| Average equity | $90,698,500 | 808 |
| Average total loans | $672,395,000 | 639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,758 |
| Cost of funding earning assets | 0.7082% | 1,760 |
| Net interest margin | 3.1078% | 5,287 |
| Noninterest income to average assets | 0.3012% | 5,192 |
| Noninterest expense to average assets | 1.9145% | 6,169 |
| Loan and lease loss provision to assets | 0.2055% | 1,805 |
| Net operating income to assets | 0.7050% | 3,774 |
| Return on assets (ROA) | 0.7252% | 3,766 |
| Pretax return on assets | 1.1592% | 2,734 |
| Return on Equity (ROE) | 7.1926% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.1926% | 1,362 |
| Net charge-offs to loans | 0.1260% | 3,558 |
| Credit loss provision to net charge-offs | 222.4335% | 1,027 |
| Earnings coverage of net charge-offs (x) | 14.4297% | 1,946 |
| Efficiency ratio | 58.9523% | 5,614 |
| Assets per employee ($millions) | 8.0462% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,600 |
| Loan loss allowance to noncurrent loans | 205.4574% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 4,443 |
| Noncurrent loans to loans | 0.4842% | 4,785 |
| Net loans and leases to total assets | 75.8859% | 1,092 |
| Net loans and leases to deposits | 89.5292% | 1,279 |
| Net loans and leases to core deposits | 93.7431% | 1,620 |
| Total domestic deposits to total assets | 84.7610% | 3,867 |
| Equity capital to assets | 10.3449% | 3,346 |
| Core capital (leverage) ratio | 10.2866% | 3,165 |
| Tier 1 risk-based capital ratio | 14.4031% | 4,014 |
| Total risk-based capital ratio | 15.4837% | 4,071 |
| Memoranda: | ||
| Average total assets | $854,057,800 | 776 |
| Average earning assets | $809,709,800 | 738 |
| Average equity | $86,116,600 | 827 |
| Average total loans | $626,235,000 | 668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,913 |
| Cost of funding earning assets | 0.7205% | 1,804 |
| Net interest margin | 3.0643% | 5,419 |
| Noninterest income to average assets | 0.3232% | 5,097 |
| Noninterest expense to average assets | 1.8990% | 6,187 |
| Loan and lease loss provision to assets | 0.1968% | 1,852 |
| Net operating income to assets | 0.7088% | 3,810 |
| Return on assets (ROA) | 0.7359% | 3,802 |
| Pretax return on assets | 1.1772% | 2,792 |
| Return on Equity (ROE) | 7.3465% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.3465% | 1,710 |
| Net charge-offs to loans | 0.1203% | 3,346 |
| Credit loss provision to net charge-offs | 225.7194% | 1,082 |
| Earnings coverage of net charge-offs (x) | 15.2753% | 1,878 |
| Efficiency ratio | 58.7798% | 5,588 |
| Assets per employee ($millions) | 7.7548% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,690 |
| Loan loss allowance to noncurrent loans | 130.9784% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 4,126 |
| Noncurrent loans to loans | 0.7672% | 4,312 |
| Net loans and leases to total assets | 72.7800% | 1,487 |
| Net loans and leases to deposits | 82.7540% | 2,040 |
| Net loans and leases to core deposits | 86.8833% | 2,299 |
| Total domestic deposits to total assets | 87.9474% | 2,163 |
| Equity capital to assets | 10.2785% | 3,536 |
| Core capital (leverage) ratio | 10.1313% | 3,487 |
| Tier 1 risk-based capital ratio | 14.6565% | 3,976 |
| Total risk-based capital ratio | 15.7255% | 4,041 |
| Memoranda: | ||
| Average total assets | $850,325,250 | 782 |
| Average earning assets | $806,827,500 | 749 |
| Average equity | $85,171,750 | 845 |
| Average total loans | $616,277,500 | 683 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 4,874 |
| Cost of funding earning assets | 0.7281% | 1,858 |
| Net interest margin | 3.0576% | 5,403 |
| Noninterest income to average assets | 0.3356% | 5,001 |
| Noninterest expense to average assets | 1.9092% | 6,201 |
| Loan and lease loss provision to assets | 0.2019% | 1,878 |
| Net operating income to assets | 0.7057% | 3,776 |
| Return on assets (ROA) | 0.7465% | 3,733 |
| Pretax return on assets | 1.1950% | 2,694 |
| Return on Equity (ROE) | 7.5199% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.5199% | 1,662 |
| Net charge-offs to loans | 0.0792% | 3,583 |
| Credit loss provision to net charge-offs | 353.3058% | 734 |
| Earnings coverage of net charge-offs (x) | 23.3264% | 1,334 |
| Efficiency ratio | 58.8827% | 5,613 |
| Assets per employee ($millions) | 7.6083% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 5,730 |
| Loan loss allowance to noncurrent loans | 101.2101% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 4,261 |
| Noncurrent loans to loans | 1.0088% | 3,918 |
| Net loans and leases to total assets | 70.7310% | 1,761 |
| Net loans and leases to deposits | 80.0414% | 2,312 |
| Net loans and leases to core deposits | 84.1598% | 2,541 |
| Total domestic deposits to total assets | 88.3680% | 2,001 |
| Equity capital to assets | 9.9575% | 3,965 |
| Core capital (leverage) ratio | 10.0998% | 3,372 |
| Tier 1 risk-based capital ratio | 14.9234% | 3,831 |
| Total risk-based capital ratio | 16.0159% | 3,897 |
| Memoranda: | ||
| Average total assets | $846,838,000 | 782 |
| Average earning assets | $805,081,330 | 751 |
| Average equity | $84,070,330 | 852 |
| Average total loans | $610,756,670 | 682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,918 |
| Cost of funding earning assets | 0.7435% | 1,900 |
| Net interest margin | 3.0274% | 5,492 |
| Noninterest income to average assets | 0.3170% | 5,160 |
| Noninterest expense to average assets | 1.9144% | 6,258 |
| Loan and lease loss provision to assets | 0.1523% | 2,342 |
| Net operating income to assets | 0.6943% | 3,715 |
| Return on assets (ROA) | 0.6949% | 3,856 |
| Pretax return on assets | 1.1371% | 2,828 |
| Return on Equity (ROE) | 7.0107% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.0107% | 2,144 |
| Net charge-offs to loans | 0.0197% | 3,763 |
| Credit loss provision to net charge-offs | 1,066.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 90.2333% | 424 |
| Efficiency ratio | 59.7711% | 5,619 |
| Assets per employee ($millions) | 7.6822% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,999 |
| Loan loss allowance to noncurrent loans | 94.9569% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 4,338 |
| Noncurrent loans to loans | 1.0477% | 4,047 |
| Net loans and leases to total assets | 70.7144% | 1,551 |
| Net loans and leases to deposits | 80.2188% | 2,048 |
| Net loans and leases to core deposits | 84.3971% | 2,280 |
| Total domestic deposits to total assets | 88.1519% | 2,226 |
| Equity capital to assets | 10.0868% | 4,033 |
| Core capital (leverage) ratio | 9.9958% | 3,387 |
| Tier 1 risk-based capital ratio | 14.9659% | 3,860 |
| Total risk-based capital ratio | 16.0260% | 3,953 |
| Memoranda: | ||
| Average total assets | $840,385,500 | 798 |
| Average earning assets | $801,075,500 | 765 |
| Average equity | $83,301,000 | 871 |
| Average total loans | $608,946,000 | 681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6914% | 6,066 |
| Cost of funding earning assets | 0.9149% | 1,848 |
| Net interest margin | 2.7765% | 6,412 |
| Noninterest income to average assets | 0.2255% | 5,827 |
| Noninterest expense to average assets | 1.7825% | 6,644 |
| Loan and lease loss provision to assets | 0.1471% | 3,764 |
| Net operating income to assets | 0.5954% | 4,263 |
| Return on assets (ROA) | 0.5976% | 4,512 |
| Pretax return on assets | 0.9671% | 3,669 |
| Return on Equity (ROE) | 6.3063% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.3063% | 1,919 |
| Net charge-offs to loans | 0.1117% | 4,553 |
| Credit loss provision to net charge-offs | 197.4482% | 1,316 |
| Earnings coverage of net charge-offs (x) | 14.9091% | 1,692 |
| Efficiency ratio | 61.6083% | 5,297 |
| Assets per employee ($millions) | 8.0325% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 6,236 |
| Loan loss allowance to noncurrent loans | 94.5066% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 4,423 |
| Noncurrent loans to loans | 0.9663% | 4,264 |
| Net loans and leases to total assets | 72.8171% | 1,372 |
| Net loans and leases to deposits | 83.2493% | 1,845 |
| Net loans and leases to core deposits | 87.7140% | 2,121 |
| Total domestic deposits to total assets | 87.4687% | 2,546 |
| Equity capital to assets | 9.7389% | 4,542 |
| Core capital (leverage) ratio | 9.9407% | 3,482 |
| Tier 1 risk-based capital ratio | 14.7721% | 3,854 |
| Total risk-based capital ratio | 15.7849% | 3,962 |
| Memoranda: | ||
| Average total assets | $841,583,600 | 779 |
| Average earning assets | $808,609,400 | 736 |
| Average equity | $79,745,400 | 881 |
| Average total loans | $561,232,800 | 739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 6,296 |
| Cost of funding earning assets | 0.9521% | 1,843 |
| Net interest margin | 2.7090% | 6,633 |
| Noninterest income to average assets | 0.2024% | 6,081 |
| Noninterest expense to average assets | 1.7830% | 6,697 |
| Loan and lease loss provision to assets | 0.1011% | 4,311 |
| Net operating income to assets | 0.5673% | 4,534 |
| Return on assets (ROA) | 0.5697% | 4,793 |
| Pretax return on assets | 0.9271% | 4,001 |
| Return on Equity (ROE) | 6.0544% | 4,307 |
| Retained earnings to average equity (ytd only) | 6.0544% | 2,671 |
| Net charge-offs to loans | 0.0468% | 4,998 |
| Credit loss provision to net charge-offs | 332.2917% | 798 |
| Earnings coverage of net charge-offs (x) | 33.6619% | 1,000 |
| Efficiency ratio | 63.5086% | 4,883 |
| Assets per employee ($millions) | 8.0655% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,275 |
| Loan loss allowance to noncurrent loans | 84.1114% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 4,623 |
| Noncurrent loans to loans | 1.1143% | 4,196 |
| Net loans and leases to total assets | 69.9102% | 1,919 |
| Net loans and leases to deposits | 79.4933% | 2,477 |
| Net loans and leases to core deposits | 83.9765% | 2,702 |
| Total domestic deposits to total assets | 87.9448% | 2,075 |
| Equity capital to assets | 9.6818% | 4,946 |
| Core capital (leverage) ratio | 9.6554% | 4,041 |
| Tier 1 risk-based capital ratio | 15.4523% | 3,569 |
| Total risk-based capital ratio | 16.4990% | 3,626 |
| Memoranda: | ||
| Average total assets | $841,127,000 | 786 |
| Average earning assets | $808,830,250 | 740 |
| Average equity | $79,147,000 | 888 |
| Average total loans | $546,589,250 | 763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 6,467 |
| Cost of funding earning assets | 0.9888% | 1,833 |
| Net interest margin | 2.6254% | 6,801 |
| Noninterest income to average assets | 0.1845% | 6,245 |
| Noninterest expense to average assets | 1.6301% | 6,899 |
| Loan and lease loss provision to assets | 0.0931% | 4,396 |
| Net operating income to assets | 0.6149% | 4,316 |
| Return on assets (ROA) | 0.6169% | 4,544 |
| Pretax return on assets | 0.9898% | 3,743 |
| Return on Equity (ROE) | 6.6185% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.6185% | 2,321 |
| Net charge-offs to loans | 0.0701% | 4,447 |
| Credit loss provision to net charge-offs | 210.1604% | 1,340 |
| Earnings coverage of net charge-offs (x) | 24.3850% | 1,221 |
| Efficiency ratio | 60.1538% | 5,549 |
| Assets per employee ($millions) | 8.2675% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,345 |
| Loan loss allowance to noncurrent loans | 82.4184% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 4,782 |
| Noncurrent loans to loans | 1.1435% | 4,241 |
| Net loans and leases to total assets | 65.4960% | 2,772 |
| Net loans and leases to deposits | 74.1108% | 3,276 |
| Net loans and leases to core deposits | 78.7626% | 3,404 |
| Total domestic deposits to total assets | 88.3758% | 1,907 |
| Equity capital to assets | 9.4960% | 5,066 |
| Core capital (leverage) ratio | 9.5927% | 4,013 |
| Tier 1 risk-based capital ratio | 15.7353% | 3,312 |
| Total risk-based capital ratio | 16.7672% | 3,396 |
| Memoranda: | ||
| Average total assets | $844,588,670 | 787 |
| Average earning assets | $812,460,670 | 739 |
| Average equity | $78,719,000 | 886 |
| Average total loans | $533,363,000 | 779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 6,594 |
| Cost of funding earning assets | 1.0499% | 1,675 |
| Net interest margin | 2.5338% | 6,929 |
| Noninterest income to average assets | 0.1424% | 6,524 |
| Noninterest expense to average assets | 1.5934% | 6,981 |
| Loan and lease loss provision to assets | 0.0923% | 4,197 |
| Net operating income to assets | 0.5504% | 4,593 |
| Return on assets (ROA) | 0.5537% | 4,783 |
| Pretax return on assets | 0.8992% | 4,036 |
| Return on Equity (ROE) | 5.9970% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.9970% | 2,961 |
| Net charge-offs to loans | 0.0491% | 4,016 |
| Credit loss provision to net charge-offs | 304.6875% | 966 |
| Earnings coverage of net charge-offs (x) | 32.5625% | 866 |
| Efficiency ratio | 61.7685% | 5,312 |
| Assets per employee ($millions) | 9.0594% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,318 |
| Loan loss allowance to noncurrent loans | 63.8481% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 4,452 |
| Noncurrent loans to loans | 1.5370% | 3,807 |
| Net loans and leases to total assets | 62.0357% | 3,248 |
| Net loans and leases to deposits | 70.2326% | 3,704 |
| Net loans and leases to core deposits | 74.4946% | 3,835 |
| Total domestic deposits to total assets | 88.3290% | 2,112 |
| Equity capital to assets | 9.3356% | 5,047 |
| Core capital (leverage) ratio | 9.2589% | 4,427 |
| Tier 1 risk-based capital ratio | 15.9376% | 3,206 |
| Total risk-based capital ratio | 16.9866% | 3,288 |
| Memoranda: | ||
| Average total assets | $845,240,500 | 788 |
| Average earning assets | $812,994,500 | 740 |
| Average equity | $78,039,500 | 889 |
| Average total loans | $521,258,000 | 799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 6,760 |
| Cost of funding earning assets | 1.2311% | 1,830 |
| Net interest margin | 2.5360% | 7,041 |
| Noninterest income to average assets | 0.1269% | 6,519 |
| Noninterest expense to average assets | 1.6945% | 7,061 |
| Loan and lease loss provision to assets | 0.1185% | 5,121 |
| Net operating income to assets | 0.4497% | 4,644 |
| Return on assets (ROA) | 0.4528% | 4,838 |
| Pretax return on assets | 0.7505% | 4,154 |
| Return on Equity (ROE) | 4.9234% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.9234% | 2,697 |
| Net charge-offs to loans | 0.1283% | 5,114 |
| Credit loss provision to net charge-offs | 153.4810% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.1930% | 1,744 |
| Efficiency ratio | 66.2242% | 4,727 |
| Assets per employee ($millions) | 8.3133% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 6,298 |
| Loan loss allowance to noncurrent loans | 64.6644% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 4,696 |
| Noncurrent loans to loans | 1.5171% | 3,872 |
| Net loans and leases to total assets | 60.0999% | 3,972 |
| Net loans and leases to deposits | 69.0678% | 4,264 |
| Net loans and leases to core deposits | 73.4213% | 4,317 |
| Total domestic deposits to total assets | 87.0158% | 2,753 |
| Equity capital to assets | 9.1307% | 5,374 |
| Core capital (leverage) ratio | 9.2815% | 4,358 |
| Tier 1 risk-based capital ratio | 15.8377% | 3,140 |
| Total risk-based capital ratio | 16.8692% | 3,214 |
| Memoranda: | ||
| Average total assets | $818,545,000 | 796 |
| Average earning assets | $784,896,600 | 752 |
| Average equity | $75,273,600 | 894 |
| Average total loans | $492,725,200 | 848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 6,809 |
| Cost of funding earning assets | 1.2528% | 1,979 |
| Net interest margin | 2.5748% | 7,088 |
| Noninterest income to average assets | 0.1338% | 6,584 |
| Noninterest expense to average assets | 1.7187% | 7,079 |
| Loan and lease loss provision to assets | 0.1274% | 4,839 |
| Net operating income to assets | 0.4499% | 4,780 |
| Return on assets (ROA) | 0.4538% | 4,948 |
| Pretax return on assets | 0.7610% | 4,274 |
| Return on Equity (ROE) | 4.9257% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.9257% | 3,222 |
| Net charge-offs to loans | 0.1018% | 4,975 |
| Credit loss provision to net charge-offs | 208.3333% | 1,401 |
| Earnings coverage of net charge-offs (x) | 14.4300% | 1,533 |
| Efficiency ratio | 66.0790% | 4,701 |
| Assets per employee ($millions) | 8.2192% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 6,124 |
| Loan loss allowance to noncurrent loans | 57.2676% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,554 |
| Noncurrent loans to loans | 1.7977% | 3,640 |
| Net loans and leases to total assets | 59.2230% | 4,287 |
| Net loans and leases to deposits | 67.4528% | 4,698 |
| Net loans and leases to core deposits | 71.8690% | 4,732 |
| Total domestic deposits to total assets | 87.7992% | 2,167 |
| Equity capital to assets | 9.2160% | 5,486 |
| Core capital (leverage) ratio | 9.3586% | 4,366 |
| Tier 1 risk-based capital ratio | 16.0943% | 3,068 |
| Total risk-based capital ratio | 17.1692% | 3,114 |
| Memoranda: | ||
| Average total assets | $811,191,250 | 813 |
| Average earning assets | $777,310,500 | 768 |
| Average equity | $74,735,750 | 909 |
| Average total loans | $487,238,500 | 871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 6,834 |
| Cost of funding earning assets | 1.2668% | 2,139 |
| Net interest margin | 2.6130% | 7,110 |
| Noninterest income to average assets | 0.1160% | 6,755 |
| Noninterest expense to average assets | 1.7424% | 7,141 |
| Loan and lease loss provision to assets | 0.1414% | 4,541 |
| Net operating income to assets | 0.4309% | 4,806 |
| Return on assets (ROA) | 0.4326% | 4,947 |
| Pretax return on assets | 0.7368% | 4,259 |
| Return on Equity (ROE) | 4.6962% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6962% | 3,200 |
| Net charge-offs to loans | 0.0264% | 5,451 |
| Credit loss provision to net charge-offs | 889.0625% | 359 |
| Earnings coverage of net charge-offs (x) | 55.0469% | 574 |
| Efficiency ratio | 66.5591% | 4,761 |
| Assets per employee ($millions) | 7.6436% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 6,105 |
| Loan loss allowance to noncurrent loans | 79.4274% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 5,226 |
| Noncurrent loans to loans | 1.3329% | 4,424 |
| Net loans and leases to total assets | 60.1649% | 4,240 |
| Net loans and leases to deposits | 68.5588% | 4,625 |
| Net loans and leases to core deposits | 72.9403% | 4,713 |
| Total domestic deposits to total assets | 87.7567% | 2,315 |
| Equity capital to assets | 9.2606% | 5,193 |
| Core capital (leverage) ratio | 9.3842% | 4,134 |
| Tier 1 risk-based capital ratio | 15.9047% | 3,029 |
| Total risk-based capital ratio | 17.0027% | 3,084 |
| Memoranda: | ||
| Average total assets | $804,875,000 | 834 |
| Average earning assets | $770,613,670 | 783 |
| Average equity | $74,145,670 | 913 |
| Average total loans | $484,068,670 | 891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 6,864 |
| Cost of funding earning assets | 1.2835% | 2,284 |
| Net interest margin | 2.5827% | 7,134 |
| Noninterest income to average assets | 0.1217% | 6,808 |
| Noninterest expense to average assets | 1.7053% | 7,224 |
| Loan and lease loss provision to assets | 0.1606% | 4,025 |
| Net operating income to assets | 0.4480% | 4,726 |
| Return on assets (ROA) | 0.4493% | 4,808 |
| Pretax return on assets | 0.7300% | 4,189 |
| Return on Equity (ROE) | 4.8899% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.8899% | 3,258 |
| Net charge-offs to loans | 0.0325% | 4,643 |
| Credit loss provision to net charge-offs | 825.6410% | 467 |
| Earnings coverage of net charge-offs (x) | 45.6923% | 617 |
| Efficiency ratio | 65.7439% | 5,075 |
| Assets per employee ($millions) | 7.9590% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 6,268 |
| Loan loss allowance to noncurrent loans | 80.2894% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 5,328 |
| Noncurrent loans to loans | 1.2893% | 4,545 |
| Net loans and leases to total assets | 59.3919% | 4,387 |
| Net loans and leases to deposits | 67.9165% | 4,693 |
| Net loans and leases to core deposits | 72.2782% | 4,750 |
| Total domestic deposits to total assets | 87.4484% | 2,685 |
| Equity capital to assets | 9.2239% | 4,841 |
| Core capital (leverage) ratio | 9.2854% | 4,142 |
| Tier 1 risk-based capital ratio | 15.9510% | 2,923 |
| Total risk-based capital ratio | 17.0173% | 2,977 |
| Memoranda: | ||
| Average total assets | $802,202,500 | 842 |
| Average earning assets | $767,881,000 | 795 |
| Average equity | $73,703,000 | 913 |
| Average total loans | $479,761,000 | 913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 7,092 |
| Cost of funding earning assets | 1.4527% | 2,941 |
| Net interest margin | 2.5994% | 7,206 |
| Noninterest income to average assets | 0.1309% | 6,740 |
| Noninterest expense to average assets | 1.7265% | 7,330 |
| Loan and lease loss provision to assets | 0.1013% | 6,135 |
| Net operating income to assets | 0.4868% | 4,162 |
| Return on assets (ROA) | 0.4923% | 4,294 |
| Pretax return on assets | 0.7942% | 3,659 |
| Return on Equity (ROE) | 5.3025% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.3025% | 2,245 |
| Net charge-offs to loans | 0.1137% | 5,745 |
| Credit loss provision to net charge-offs | 151.1628% | 2,385 |
| Earnings coverage of net charge-offs (x) | 13.2403% | 1,427 |
| Efficiency ratio | 66.0623% | 4,960 |
| Assets per employee ($millions) | 8.0864% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,439 |
| Loan loss allowance to noncurrent loans | 100.8996% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 5,856 |
| Noncurrent loans to loans | 0.9786% | 5,097 |
| Net loans and leases to total assets | 59.0085% | 4,840 |
| Net loans and leases to deposits | 68.6435% | 5,017 |
| Net loans and leases to core deposits | 72.8719% | 5,112 |
| Total domestic deposits to total assets | 85.9638% | 3,373 |
| Equity capital to assets | 9.1511% | 4,914 |
| Core capital (leverage) ratio | 9.3513% | 3,924 |
| Tier 1 risk-based capital ratio | 15.7917% | 2,846 |
| Total risk-based capital ratio | 16.7996% | 2,943 |
| Memoranda: | ||
| Average total assets | $770,297,000 | 879 |
| Average earning assets | $735,672,200 | 837 |
| Average equity | $71,513,800 | 942 |
| Average total loans | $453,950,400 | 995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 7,184 |
| Cost of funding earning assets | 1.4933% | 3,022 |
| Net interest margin | 2.6240% | 7,295 |
| Noninterest income to average assets | 0.1519% | 6,771 |
| Noninterest expense to average assets | 1.7245% | 7,420 |
| Loan and lease loss provision to assets | 0.1023% | 6,003 |
| Net operating income to assets | 0.5146% | 4,242 |
| Return on assets (ROA) | 0.5185% | 4,413 |
| Pretax return on assets | 0.8364% | 3,780 |
| Return on Equity (ROE) | 5.5637% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.5637% | 2,612 |
| Net charge-offs to loans | 0.1363% | 5,207 |
| Credit loss provision to net charge-offs | 127.7293% | 3,186 |
| Earnings coverage of net charge-offs (x) | 11.6485% | 1,776 |
| Efficiency ratio | 64.9013% | 5,069 |
| Assets per employee ($millions) | 7.8589% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,302 |
| Loan loss allowance to noncurrent loans | 113.3300% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 6,141 |
| Noncurrent loans to loans | 0.9003% | 5,444 |
| Net loans and leases to total assets | 56.4601% | 5,485 |
| Net loans and leases to deposits | 65.1803% | 5,760 |
| Net loans and leases to core deposits | 69.3022% | 5,823 |
| Total domestic deposits to total assets | 86.6215% | 2,741 |
| Equity capital to assets | 9.2195% | 5,282 |
| Core capital (leverage) ratio | 9.4143% | 4,037 |
| Tier 1 risk-based capital ratio | 16.4079% | 2,595 |
| Total risk-based capital ratio | 17.4363% | 2,629 |
| Memoranda: | ||
| Average total assets | $762,734,000 | 884 |
| Average earning assets | $728,189,000 | 846 |
| Average equity | $71,077,500 | 949 |
| Average total loans | $448,162,250 | 1,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 7,247 |
| Cost of funding earning assets | 1.5443% | 2,988 |
| Net interest margin | 2.5919% | 7,356 |
| Noninterest income to average assets | 0.1531% | 6,793 |
| Noninterest expense to average assets | 1.7332% | 7,476 |
| Loan and lease loss provision to assets | 0.1033% | 5,885 |
| Net operating income to assets | 0.4907% | 4,376 |
| Return on assets (ROA) | 0.4951% | 4,507 |
| Pretax return on assets | 0.7968% | 3,893 |
| Return on Equity (ROE) | 5.2932% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.2932% | 2,727 |
| Net charge-offs to loans | 0.1522% | 4,725 |
| Credit loss provision to net charge-offs | 114.3695% | 3,560 |
| Earnings coverage of net charge-offs (x) | 9.8886% | 1,962 |
| Efficiency ratio | 65.9909% | 4,979 |
| Assets per employee ($millions) | 7.8566% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,402 |
| Loan loss allowance to noncurrent loans | 115.4300% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 6,189 |
| Noncurrent loans to loans | 0.8666% | 5,536 |
| Net loans and leases to total assets | 57.7882% | 5,450 |
| Net loans and leases to deposits | 66.7540% | 5,715 |
| Net loans and leases to core deposits | 70.8818% | 5,785 |
| Total domestic deposits to total assets | 86.5689% | 2,776 |
| Equity capital to assets | 9.3118% | 4,988 |
| Core capital (leverage) ratio | 9.4493% | 3,896 |
| Tier 1 risk-based capital ratio | 16.5967% | 2,439 |
| Total risk-based capital ratio | 17.6346% | 2,464 |
| Memoranda: | ||
| Average total assets | $755,016,670 | 897 |
| Average earning assets | $720,471,000 | 854 |
| Average equity | $70,618,330 | 951 |
| Average total loans | $448,121,000 | 1,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 7,264 |
| Cost of funding earning assets | 1.6030% | 2,943 |
| Net interest margin | 2.5991% | 7,393 |
| Noninterest income to average assets | 0.1541% | 6,865 |
| Noninterest expense to average assets | 1.7936% | 7,471 |
| Loan and lease loss provision to assets | 0.1043% | 5,581 |
| Net operating income to assets | 0.4599% | 4,573 |
| Return on assets (ROA) | 0.4671% | 4,673 |
| Pretax return on assets | 0.7470% | 4,073 |
| Return on Equity (ROE) | 4.9829% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.9829% | 3,164 |
| Net charge-offs to loans | 0.2700% | 3,330 |
| Credit loss provision to net charge-offs | 64.5695% | 4,214 |
| Earnings coverage of net charge-offs (x) | 5.1987% | 2,445 |
| Efficiency ratio | 68.1024% | 4,706 |
| Assets per employee ($millions) | 7.6253% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 6,586 |
| Loan loss allowance to noncurrent loans | 135.9649% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 6,408 |
| Noncurrent loans to loans | 0.7151% | 5,898 |
| Net loans and leases to total assets | 58.5546% | 5,338 |
| Net loans and leases to deposits | 67.9232% | 5,600 |
| Net loans and leases to core deposits | 72.0204% | 5,712 |
| Total domestic deposits to total assets | 86.2071% | 3,026 |
| Equity capital to assets | 9.3429% | 4,773 |
| Core capital (leverage) ratio | 9.5295% | 3,722 |
| Tier 1 risk-based capital ratio | 16.7168% | 2,369 |
| Total risk-based capital ratio | 17.7417% | 2,406 |
| Memoranda: | ||
| Average total assets | $747,550,000 | 924 |
| Average earning assets | $713,162,500 | 885 |
| Average equity | $70,079,500 | 956 |
| Average total loans | $447,463,500 | 1,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 7,264 |
| Cost of funding earning assets | 2.0059% | 2,933 |
| Net interest margin | 2.6088% | 7,327 |
| Noninterest income to average assets | 0.1117% | 7,201 |
| Noninterest expense to average assets | 1.9528% | 7,436 |
| Loan and lease loss provision to assets | 0.1152% | 6,494 |
| Net operating income to assets | 0.3449% | 4,348 |
| Return on assets (ROA) | 0.3452% | 4,440 |
| Pretax return on assets | 0.5301% | 4,108 |
| Return on Equity (ROE) | 3.4266% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.4266% | 2,768 |
| Net charge-offs to loans | 0.0365% | 6,759 |
| Credit loss provision to net charge-offs | 484.4720% | 632 |
| Earnings coverage of net charge-offs (x) | 27.1180% | 832 |
| Efficiency ratio | 75.1763% | 3,676 |
| Assets per employee ($millions) | 7.4767% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,441 |
| Loan loss allowance to noncurrent loans | 156.5845% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 6,488 |
| Noncurrent loans to loans | 0.6331% | 5,969 |
| Net loans and leases to total assets | 59.9988% | 5,335 |
| Net loans and leases to deposits | 70.9670% | 5,475 |
| Net loans and leases to core deposits | 96.4278% | 4,410 |
| Total domestic deposits to total assets | 84.5447% | 3,777 |
| Equity capital to assets | 9.4068% | 4,544 |
| Core capital (leverage) ratio | 9.6883% | 3,478 |
| Tier 1 risk-based capital ratio | 16.7024% | 2,236 |
| Total risk-based capital ratio | 17.7654% | 2,262 |
| Memoranda: | ||
| Average total assets | $677,077,200 | 1,017 |
| Average earning assets | $645,202,400 | 969 |
| Average equity | $68,201,000 | 964 |
| Average total loans | $441,584,000 | 1,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 7,254 |
| Cost of funding earning assets | 2.1161% | 2,821 |
| Net interest margin | 2.6002% | 7,356 |
| Noninterest income to average assets | 0.1306% | 7,226 |
| Noninterest expense to average assets | 2.0007% | 7,384 |
| Loan and lease loss provision to assets | 0.1179% | 6,187 |
| Net operating income to assets | 0.3220% | 4,711 |
| Return on assets (ROA) | 0.3224% | 4,816 |
| Pretax return on assets | 0.4901% | 4,547 |
| Return on Equity (ROE) | 3.1424% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.1424% | 3,560 |
| Net charge-offs to loans | 0.0191% | 6,642 |
| Credit loss provision to net charge-offs | 928.5714% | 401 |
| Earnings coverage of net charge-offs (x) | 47.8242% | 662 |
| Efficiency ratio | 76.7084% | 3,379 |
| Assets per employee ($millions) | 7.8772% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,350 |
| Loan loss allowance to noncurrent loans | 149.3819% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,425 |
| Noncurrent loans to loans | 0.6635% | 5,975 |
| Net loans and leases to total assets | 61.2928% | 5,363 |
| Net loans and leases to deposits | 72.0908% | 5,628 |
| Net loans and leases to core deposits | 97.1886% | 4,685 |
| Total domestic deposits to total assets | 85.0216% | 3,223 |
| Equity capital to assets | 9.7347% | 4,446 |
| Core capital (leverage) ratio | 9.9014% | 3,398 |
| Tier 1 risk-based capital ratio | 17.4675% | 2,128 |
| Total risk-based capital ratio | 18.5690% | 2,125 |
| Memoranda: | ||
| Average total assets | $661,297,000 | 1,059 |
| Average earning assets | $630,085,000 | 1,005 |
| Average equity | $67,844,000 | 981 |
| Average total loans | $439,840,750 | 1,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 7,116 |
| Cost of funding earning assets | 2.2438% | 2,608 |
| Net interest margin | 2.6160% | 7,338 |
| Noninterest income to average assets | 0.0648% | 7,662 |
| Noninterest expense to average assets | 2.0443% | 7,388 |
| Loan and lease loss provision to assets | 0.1209% | 5,912 |
| Net operating income to assets | 0.2625% | 5,036 |
| Return on assets (ROA) | 0.2631% | 5,132 |
| Pretax return on assets | 0.3901% | 4,961 |
| Return on Equity (ROE) | 2.5173% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.5173% | 3,931 |
| Net charge-offs to loans | 0.0295% | 6,051 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 25.3231% | 1,122 |
| Efficiency ratio | 80.0315% | 3,036 |
| Assets per employee ($millions) | 6.5025% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,579 |
| Loan loss allowance to noncurrent loans | 144.4019% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 6,396 |
| Noncurrent loans to loans | 0.6542% | 5,948 |
| Net loans and leases to total assets | 64.3959% | 4,900 |
| Net loans and leases to deposits | 76.2262% | 5,136 |
| Net loans and leases to core deposits | 101.2057% | 4,380 |
| Total domestic deposits to total assets | 84.4800% | 3,511 |
| Equity capital to assets | 10.0534% | 3,866 |
| Core capital (leverage) ratio | 10.2894% | 3,006 |
| Tier 1 risk-based capital ratio | 17.9389% | 2,039 |
| Total risk-based capital ratio | 19.0259% | 2,023 |
| Memoranda: | ||
| Average total assets | $645,413,330 | 1,107 |
| Average earning assets | $614,228,670 | 1,045 |
| Average equity | $67,454,000 | 1,000 |
| Average total loans | $440,159,670 | 1,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 7,075 |
| Cost of funding earning assets | 2.3836% | 2,359 |
| Net interest margin | 2.5553% | 7,432 |
| Noninterest income to average assets | 0.1181% | 7,433 |
| Noninterest expense to average assets | 1.9683% | 7,417 |
| Loan and lease loss provision to assets | 0.1238% | 5,374 |
| Net operating income to assets | 0.3022% | 5,291 |
| Return on assets (ROA) | 0.3035% | 5,459 |
| Pretax return on assets | 0.4571% | 5,216 |
| Return on Equity (ROE) | 2.8458% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.8458% | 4,289 |
| Net charge-offs to loans | 0.0309% | 5,088 |
| Credit loss provision to net charge-offs | 573.5294% | 988 |
| Earnings coverage of net charge-offs (x) | 26.8235% | 1,165 |
| Efficiency ratio | 77.2682% | 3,290 |
| Assets per employee ($millions) | 6.4313% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 6,701 |
| Loan loss allowance to noncurrent loans | 200.1505% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,553 |
| Noncurrent loans to loans | 0.4546% | 6,283 |
| Net loans and leases to total assets | 66.2172% | 4,533 |
| Net loans and leases to deposits | 80.1170% | 4,591 |
| Net loans and leases to core deposits | 104.9045% | 4,039 |
| Total domestic deposits to total assets | 82.6506% | 4,310 |
| Equity capital to assets | 10.3099% | 3,642 |
| Core capital (leverage) ratio | 10.7692% | 2,685 |
| Tier 1 risk-based capital ratio | 18.2294% | 1,994 |
| Total risk-based capital ratio | 19.2961% | 1,992 |
| Memoranda: | ||
| Average total assets | $629,992,000 | 1,134 |
| Average earning assets | $598,921,000 | 1,074 |
| Average equity | $67,187,500 | 1,005 |
| Average total loans | $440,422,500 | 1,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 7,368 |
| Cost of funding earning assets | 2.7087% | 3,125 |
| Net interest margin | 2.7604% | 7,394 |
| Noninterest income to average assets | 0.0920% | 7,671 |
| Noninterest expense to average assets | 1.9613% | 7,518 |
| Loan and lease loss provision to assets | 0.0258% | 7,078 |
| Net operating income to assets | 0.4561% | 4,923 |
| Return on assets (ROA) | 0.4591% | 4,734 |
| Pretax return on assets | 0.7105% | 4,362 |
| Return on Equity (ROE) | 4.0547% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.0547% | 2,605 |
| Net charge-offs to loans | 0.0042% | 6,928 |
| Credit loss provision to net charge-offs | 833.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 236.0556% | 203 |
| Efficiency ratio | 72.8307% | 3,788 |
| Assets per employee ($millions) | 6.1010% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 6,829 |
| Loan loss allowance to noncurrent loans | 319.7995% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,695 |
| Noncurrent loans to loans | 0.2705% | 6,563 |
| Net loans and leases to total assets | 72.6248% | 3,453 |
| Net loans and leases to deposits | 89.7683% | 3,492 |
| Net loans and leases to core deposits | 112.6589% | 3,490 |
| Total domestic deposits to total assets | 80.9025% | 4,685 |
| Equity capital to assets | 11.0502% | 3,002 |
| Core capital (leverage) ratio | 11.5346% | 2,230 |
| Tier 1 risk-based capital ratio | 18.6344% | 1,883 |
| Total risk-based capital ratio | 19.6882% | 1,876 |
| Memoranda: | ||
| Average total assets | $580,735,600 | 1,157 |
| Average earning assets | $547,199,400 | 1,129 |
| Average equity | $65,750,600 | 1,017 |
| Average total loans | $428,522,800 | 1,119 |