Home > Marquette Savings Bank > Performance and Condition Ratios
Marquette Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 3,754 |
| Cost of funding earning assets | 1.6738% | 1,508 |
| Net interest margin | 2.4554% | 4,135 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.3558% | 2,707 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2197% | 4,140 |
| Return on assets (ROA) | 0.2102% | 4,167 |
| Pretax return on assets | 0.1720% | 4,219 |
| Return on Equity (ROE) | 1.6500% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.6490% | 3,666 |
| Net charge-offs to loans | 0.0131% | 2,163 |
| Credit loss provision to net charge-offs | 277.0833% | 1,007 |
| Earnings coverage of net charge-offs (x) | 24.9271% | 1,742 |
| Efficiency ratio | 92.0204% | 363 |
| Assets per employee ($millions) | 8.3509% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,200 |
| Loan loss allowance to noncurrent loans | 126.5581% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 1,663 |
| Noncurrent loans to loans | 0.5043% | 1,520 |
| Net loans and leases to total assets | 61.8300% | 2,690 |
| Net loans and leases to deposits | 83.3663% | 1,825 |
| Net loans and leases to core deposits | 90.1017% | 2,043 |
| Total domestic deposits to total assets | 74.1600% | 4,098 |
| Equity capital to assets | 12.4017% | 1,008 |
| Core capital (leverage) ratio | 14.6743% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,171,393,400 | 870 |
| Average earning assets | $1,070,803,800 | 867 |
| Average equity | $149,306,200 | 674 |
| Average total loans | $733,452,200 | 919 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 3,691 |
| Cost of funding earning assets | 1.5740% | 1,422 |
| Net interest margin | 2.5064% | 4,137 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3583% | 2,634 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.2591% | 4,165 |
| Return on assets (ROA) | 0.2451% | 4,193 |
| Pretax return on assets | 0.2395% | 4,213 |
| Return on Equity (ROE) | 1.9100% | 4,204 |
| Retained earnings to average equity (ytd only) | 1.9089% | 3,743 |
| Net charge-offs to loans | 0.0185% | 1,760 |
| Credit loss provision to net charge-offs | -81.0000% | 4,519 |
| Earnings coverage of net charge-offs (x) | 21.0800% | 1,790 |
| Efficiency ratio | 90.6178% | 355 |
| Assets per employee ($millions) | 7.9695% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 4,240 |
| Loan loss allowance to noncurrent loans | 84.0880% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 1,185 |
| Noncurrent loans to loans | 0.7398% | 1,116 |
| Net loans and leases to total assets | 61.7900% | 2,676 |
| Net loans and leases to deposits | 79.4492% | 2,100 |
| Net loans and leases to core deposits | 85.4943% | 2,218 |
| Total domestic deposits to total assets | 77.7800% | 3,844 |
| Equity capital to assets | 11.6002% | 1,151 |
| Core capital (leverage) ratio | 14.9471% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,151,082,250 | 885 |
| Average earning assets | $1,050,190,000 | 884 |
| Average equity | $147,795,500 | 676 |
| Average total loans | $721,951,750 | 929 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,727 |
| Cost of funding earning assets | 1.4321% | 1,374 |
| Net interest margin | 2.5492% | 4,158 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.3427% | 2,671 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3015% | 4,152 |
| Return on assets (ROA) | 0.2813% | 4,211 |
| Pretax return on assets | 0.2728% | 4,254 |
| Return on Equity (ROE) | 2.1200% | 4,259 |
| Retained earnings to average equity (ytd only) | 2.1188% | 3,699 |
| Net charge-offs to loans | 0.0277% | 1,330 |
| Credit loss provision to net charge-offs | 64.6465% | 1,612 |
| Earnings coverage of net charge-offs (x) | 17.4646% | 1,801 |
| Efficiency ratio | 88.5032% | 406 |
| Assets per employee ($millions) | 7.6153% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,236 |
| Loan loss allowance to noncurrent loans | 105.0650% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 1,271 |
| Noncurrent loans to loans | 0.6251% | 1,195 |
| Net loans and leases to total assets | 62.3400% | 2,546 |
| Net loans and leases to deposits | 76.5684% | 2,254 |
| Net loans and leases to core deposits | 82.3702% | 2,306 |
| Total domestic deposits to total assets | 81.4200% | 3,356 |
| Equity capital to assets | 12.9555% | 823 |
| Core capital (leverage) ratio | 15.5070% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,136,303,667 | 882 |
| Average earning assets | $1,036,971,000 | 884 |
| Average equity | $150,837,000 | 668 |
| Average total loans | $714,835,333 | 919 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,697 |
| Cost of funding earning assets | 1.3068% | 1,215 |
| Net interest margin | 2.5816% | 4,228 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4238% | 2,459 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.2207% | 4,335 |
| Return on assets (ROA) | 0.1809% | 4,344 |
| Pretax return on assets | 0.1638% | 4,371 |
| Return on Equity (ROE) | 1.3500% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.3459% | 3,814 |
| Net charge-offs to loans | 0.0147% | 1,406 |
| Credit loss provision to net charge-offs | 334.6154% | 655 |
| Earnings coverage of net charge-offs (x) | 25.3846% | 1,370 |
| Efficiency ratio | 91.1777% | 325 |
| Assets per employee ($millions) | 7.6502% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 4,261 |
| Loan loss allowance to noncurrent loans | 152.4749% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,599 |
| Noncurrent loans to loans | 0.4496% | 1,596 |
| Net loans and leases to total assets | 62.7000% | 2,385 |
| Net loans and leases to deposits | 75.0991% | 2,194 |
| Net loans and leases to core deposits | 80.2294% | 2,241 |
| Total domestic deposits to total assets | 83.4800% | 3,203 |
| Equity capital to assets | 13.6090% | 651 |
| Core capital (leverage) ratio | 15.6933% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,125,691,500 | 908 |
| Average earning assets | $1,025,703,500 | 906 |
| Average equity | $151,274,000 | 677 |
| Average total loans | $709,060,000 | 943 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 2,995 |
| Cost of funding earning assets | 0.5042% | 1,357 |
| Net interest margin | 3.0282% | 3,369 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.3741% | 2,500 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5993% | 3,885 |
| Return on assets (ROA) | 0.5969% | 3,849 |
| Pretax return on assets | 0.6593% | 3,927 |
| Return on Equity (ROE) | 4.2500% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.2490% | 3,315 |
| Net charge-offs to loans | 0.0036% | 2,332 |
| Credit loss provision to net charge-offs | 3,020.8333% | 188 |
| Earnings coverage of net charge-offs (x) | 341.1250% | 446 |
| Efficiency ratio | 76.5758% | 961 |
| Assets per employee ($millions) | 7.6654% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5634% | 4,376 |
| Loan loss allowance to noncurrent loans | 111.0802% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 1,458 |
| Noncurrent loans to loans | 0.5072% | 1,434 |
| Net loans and leases to total assets | 62.5000% | 2,384 |
| Net loans and leases to deposits | 76.6196% | 2,057 |
| Net loans and leases to core deposits | 81.1686% | 2,059 |
| Total domestic deposits to total assets | 81.5700% | 3,681 |
| Equity capital to assets | 13.2680% | 663 |
| Core capital (leverage) ratio | 15.6699% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,127,315,800 | 885 |
| Average earning assets | $1,033,316,600 | 881 |
| Average equity | $158,368,400 | 654 |
| Average total loans | $674,488,000 | 937 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 2,744 |
| Cost of funding earning assets | 0.4301% | 1,099 |
| Net interest margin | 3.0316% | 3,137 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2947% | 2,640 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6576% | 3,674 |
| Return on assets (ROA) | 0.6546% | 3,641 |
| Pretax return on assets | 0.7502% | 3,689 |
| Return on Equity (ROE) | 4.6000% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.5956% | 3,245 |
| Net charge-offs to loans | 0.0022% | 2,194 |
| Credit loss provision to net charge-offs | 4,763.6364% | 115 |
| Earnings coverage of net charge-offs (x) | 627.0909% | 256 |
| Efficiency ratio | 73.7739% | 1,301 |
| Assets per employee ($millions) | 7.4817% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 4,430 |
| Loan loss allowance to noncurrent loans | 119.2658% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,765 |
| Noncurrent loans to loans | 0.4609% | 1,650 |
| Net loans and leases to total assets | 62.1000% | 2,275 |
| Net loans and leases to deposits | 72.4731% | 2,167 |
| Net loans and leases to core deposits | 75.2100% | 2,259 |
| Total domestic deposits to total assets | 85.6900% | 3,140 |
| Equity capital to assets | 12.7988% | 713 |
| Core capital (leverage) ratio | 15.7910% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,127,442,250 | 892 |
| Average earning assets | $1,035,499,500 | 889 |
| Average equity | $160,584,250 | 653 |
| Average total loans | $666,062,500 | 944 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 2,566 |
| Cost of funding earning assets | 0.4138% | 840 |
| Net interest margin | 2.9378% | 3,065 |
| Noninterest income to average assets | 0.3236% | 3,237 |
| Noninterest expense to average assets | 2.2591% | 2,675 |
| Loan and lease loss provision to assets | 0.1039% | 961 |
| Net operating income to assets | 0.6020% | 3,622 |
| Return on assets (ROA) | 0.5987% | 3,572 |
| Pretax return on assets | 0.6648% | 3,670 |
| Return on Equity (ROE) | 4.0690% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.0690% | 3,055 |
| Net charge-offs to loans | -0.0033% | 3,227 |
| Credit loss provision to net charge-offs | -5,354.5455% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5216% | 1,453 |
| Assets per employee ($millions) | 7.4312% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 4,491 |
| Loan loss allowance to noncurrent loans | 127.5172% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,918 |
| Noncurrent loans to loans | 0.4466% | 1,783 |
| Net loans and leases to total assets | 60.9048% | 2,229 |
| Net loans and leases to deposits | 71.7044% | 2,052 |
| Net loans and leases to core deposits | 74.2963% | 2,147 |
| Total domestic deposits to total assets | 84.9387% | 3,495 |
| Equity capital to assets | 13.7960% | 548 |
| Core capital (leverage) ratio | 15.4966% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,134,161,000 | 887 |
| Average earning assets | $1,045,423,667 | 891 |
| Average equity | $166,872,667 | 634 |
| Average total loans | $657,608,667 | 943 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2537% | 2,521 |
| Cost of funding earning assets | 0.4092% | 822 |
| Net interest margin | 2.8445% | 3,000 |
| Noninterest income to average assets | 0.3322% | 3,109 |
| Noninterest expense to average assets | 2.2380% | 2,726 |
| Loan and lease loss provision to assets | 0.1217% | 683 |
| Net operating income to assets | 0.5469% | 3,570 |
| Return on assets (ROA) | 0.5434% | 3,552 |
| Pretax return on assets | 0.6015% | 3,630 |
| Return on Equity (ROE) | 3.5844% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.5844% | 3,082 |
| Net charge-offs to loans | 0.0006% | 1,822 |
| Credit loss provision to net charge-offs | 34,800.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,079.0000% | 28 |
| Efficiency ratio | 75.4806% | 1,586 |
| Assets per employee ($millions) | 8.1401% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5532% | 4,541 |
| Loan loss allowance to noncurrent loans | 159.2901% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 2,358 |
| Noncurrent loans to loans | 0.3473% | 2,243 |
| Net loans and leases to total assets | 58.5910% | 2,233 |
| Net loans and leases to deposits | 69.4966% | 2,007 |
| Net loans and leases to core deposits | 72.1615% | 2,092 |
| Total domestic deposits to total assets | 84.3077% | 3,705 |
| Equity capital to assets | 14.7837% | 419 |
| Core capital (leverage) ratio | 15.3748% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,143,901,500 | 889 |
| Average earning assets | $1,058,748,500 | 886 |
| Average equity | $173,418,500 | 623 |
| Average total loans | $645,022,000 | 952 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3234% | 3,134 |
| Cost of funding earning assets | 0.4707% | 1,059 |
| Net interest margin | 2.8527% | 3,555 |
| Noninterest income to average assets | 0.3528% | 3,327 |
| Noninterest expense to average assets | 2.0426% | 3,546 |
| Loan and lease loss provision to assets | 0.0419% | 2,213 |
| Net operating income to assets | 0.7804% | 3,391 |
| Return on assets (ROA) | 0.7834% | 3,451 |
| Pretax return on assets | 0.9230% | 3,447 |
| Return on Equity (ROE) | 4.7970% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.7970% | 2,866 |
| Net charge-offs to loans | 0.0021% | 2,563 |
| Credit loss provision to net charge-offs | 3,546.1538% | 189 |
| Earnings coverage of net charge-offs (x) | 813.0000% | 182 |
| Efficiency ratio | 67.9970% | 1,980 |
| Assets per employee ($millions) | 8.3758% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 4,610 |
| Loan loss allowance to noncurrent loans | 81.8521% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 1,832 |
| Noncurrent loans to loans | 0.6346% | 1,568 |
| Net loans and leases to total assets | 53.7023% | 2,888 |
| Net loans and leases to deposits | 64.0009% | 2,684 |
| Net loans and leases to core deposits | 66.3642% | 2,787 |
| Total domestic deposits to total assets | 83.9086% | 3,588 |
| Equity capital to assets | 15.5184% | 432 |
| Core capital (leverage) ratio | 15.8323% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,099,357,000 | 890 |
| Average earning assets | $1,021,693,400 | 890 |
| Average equity | $179,529,400 | 606 |
| Average total loans | $615,050,200 | 984 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 3,144 |
| Cost of funding earning assets | 0.4878% | 1,117 |
| Net interest margin | 2.8959% | 3,562 |
| Noninterest income to average assets | 0.3627% | 3,284 |
| Noninterest expense to average assets | 2.0448% | 3,540 |
| Loan and lease loss provision to assets | 0.0105% | 2,785 |
| Net operating income to assets | 0.8404% | 3,413 |
| Return on assets (ROA) | 0.8450% | 3,464 |
| Pretax return on assets | 1.0030% | 3,445 |
| Return on Equity (ROE) | 5.1053% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.1053% | 3,178 |
| Net charge-offs to loans | -0.0011% | 3,128 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9804% | 1,975 |
| Assets per employee ($millions) | 7.8342% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 4,728 |
| Loan loss allowance to noncurrent loans | 129.7740% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,754 |
| Noncurrent loans to loans | 0.3664% | 2,469 |
| Net loans and leases to total assets | 55.8941% | 2,736 |
| Net loans and leases to deposits | 67.4181% | 2,492 |
| Net loans and leases to core deposits | 70.2658% | 2,571 |
| Total domestic deposits to total assets | 82.9067% | 3,730 |
| Equity capital to assets | 16.4861% | 369 |
| Core capital (leverage) ratio | 16.2156% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,081,044,250 | 912 |
| Average earning assets | $1,004,197,250 | 906 |
| Average equity | $178,919,250 | 614 |
| Average total loans | $610,561,500 | 1,012 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 3,203 |
| Cost of funding earning assets | 0.5027% | 1,186 |
| Net interest margin | 2.8897% | 3,595 |
| Noninterest income to average assets | 0.3569% | 3,328 |
| Noninterest expense to average assets | 2.0041% | 3,685 |
| Loan and lease loss provision to assets | 0.0097% | 2,735 |
| Net operating income to assets | 0.8625% | 3,324 |
| Return on assets (ROA) | 0.8632% | 3,398 |
| Pretax return on assets | 1.0305% | 3,368 |
| Return on Equity (ROE) | 5.2085% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.2085% | 3,115 |
| Net charge-offs to loans | -0.0003% | 3,026 |
| Credit loss provision to net charge-offs | -5,200.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8481% | 2,186 |
| Assets per employee ($millions) | 7.3423% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 4,754 |
| Loan loss allowance to noncurrent loans | 111.6127% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,681 |
| Noncurrent loans to loans | 0.4254% | 2,406 |
| Net loans and leases to total assets | 55.8074% | 2,923 |
| Net loans and leases to deposits | 67.5012% | 2,673 |
| Net loans and leases to core deposits | 70.3294% | 2,750 |
| Total domestic deposits to total assets | 82.6762% | 3,772 |
| Equity capital to assets | 16.6291% | 360 |
| Core capital (leverage) ratio | 16.0124% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,075,796,333 | 911 |
| Average earning assets | $1,000,172,000 | 906 |
| Average equity | $178,286,333 | 612 |
| Average total loans | $608,759,000 | 1,019 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 3,090 |
| Cost of funding earning assets | 0.5144% | 1,305 |
| Net interest margin | 2.9247% | 3,450 |
| Noninterest income to average assets | 0.3464% | 3,363 |
| Noninterest expense to average assets | 1.8966% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9738% | 2,889 |
| Return on assets (ROA) | 0.9750% | 2,980 |
| Pretax return on assets | 1.1772% | 2,907 |
| Return on Equity (ROE) | 5.8934% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.8934% | 2,932 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7321% | 2,801 |
| Assets per employee ($millions) | 7.8974% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4608% | 4,797 |
| Loan loss allowance to noncurrent loans | 101.1396% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 2,808 |
| Noncurrent loans to loans | 0.4556% | 2,491 |
| Net loans and leases to total assets | 56.2903% | 2,999 |
| Net loans and leases to deposits | 67.6739% | 2,736 |
| Net loans and leases to core deposits | 70.7793% | 2,804 |
| Total domestic deposits to total assets | 83.1788% | 3,645 |
| Equity capital to assets | 16.1734% | 371 |
| Core capital (leverage) ratio | 16.2548% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,070,362,500 | 907 |
| Average earning assets | $997,570,500 | 899 |
| Average equity | $177,078,500 | 609 |
| Average total loans | $608,472,500 | 1,010 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 3,769 |
| Cost of funding earning assets | 0.7368% | 1,529 |
| Net interest margin | 2.8787% | 4,147 |
| Noninterest income to average assets | 0.2926% | 3,732 |
| Noninterest expense to average assets | 2.2064% | 3,649 |
| Loan and lease loss provision to assets | 0.1047% | 3,027 |
| Net operating income to assets | 0.5771% | 3,823 |
| Return on assets (ROA) | 0.5864% | 3,902 |
| Pretax return on assets | 0.6702% | 3,946 |
| Return on Equity (ROE) | 3.3798% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.3798% | 3,132 |
| Net charge-offs to loans | 0.0787% | 1,689 |
| Credit loss provision to net charge-offs | 231.6372% | 2,010 |
| Earnings coverage of net charge-offs (x) | 16.9027% | 2,107 |
| Efficiency ratio | 74.2735% | 1,408 |
| Assets per employee ($millions) | 7.7844% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 4,809 |
| Loan loss allowance to noncurrent loans | 90.5035% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 2,687 |
| Noncurrent loans to loans | 0.5224% | 2,411 |
| Net loans and leases to total assets | 56.8845% | 3,215 |
| Net loans and leases to deposits | 69.1093% | 2,972 |
| Net loans and leases to core deposits | 72.4558% | 3,032 |
| Total domestic deposits to total assets | 82.3110% | 3,591 |
| Equity capital to assets | 16.9280% | 347 |
| Core capital (leverage) ratio | 16.3739% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $999,684,600 | 883 |
| Average earning assets | $930,005,800 | 877 |
| Average equity | $173,442,800 | 583 |
| Average total loans | $574,570,400 | 1,018 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 3,923 |
| Cost of funding earning assets | 0.7887% | 1,551 |
| Net interest margin | 2.8550% | 4,251 |
| Noninterest income to average assets | 0.2722% | 3,837 |
| Noninterest expense to average assets | 2.1508% | 3,816 |
| Loan and lease loss provision to assets | 0.1041% | 3,018 |
| Net operating income to assets | 0.5919% | 3,794 |
| Return on assets (ROA) | 0.6000% | 3,866 |
| Pretax return on assets | 0.6817% | 3,941 |
| Return on Equity (ROE) | 3.4360% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,343 |
| Net charge-offs to loans | 0.1026% | 1,287 |
| Credit loss provision to net charge-offs | 176.2014% | 2,195 |
| Earnings coverage of net charge-offs (x) | 13.1533% | 2,210 |
| Efficiency ratio | 73.4724% | 1,463 |
| Assets per employee ($millions) | 7.7139% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 4,869 |
| Loan loss allowance to noncurrent loans | 92.9009% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,011 |
| Noncurrent loans to loans | 0.4577% | 2,675 |
| Net loans and leases to total assets | 58.4071% | 3,380 |
| Net loans and leases to deposits | 70.9945% | 3,215 |
| Net loans and leases to core deposits | 74.5414% | 3,283 |
| Total domestic deposits to total assets | 82.2700% | 3,353 |
| Equity capital to assets | 17.0374% | 370 |
| Core capital (leverage) ratio | 16.4970% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $986,883,500 | 879 |
| Average earning assets | $917,797,500 | 872 |
| Average equity | $172,330,000 | 579 |
| Average total loans | $568,054,750 | 1,026 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,049 |
| Cost of funding earning assets | 0.8480% | 1,611 |
| Net interest margin | 2.8689% | 4,356 |
| Noninterest income to average assets | 0.2436% | 4,024 |
| Noninterest expense to average assets | 2.1538% | 3,919 |
| Loan and lease loss provision to assets | 0.1308% | 2,712 |
| Net operating income to assets | 0.5548% | 3,872 |
| Return on assets (ROA) | 0.5673% | 3,917 |
| Pretax return on assets | 0.6392% | 3,989 |
| Return on Equity (ROE) | 3.2209% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.2209% | 3,294 |
| Net charge-offs to loans | 0.1542% | 956 |
| Credit loss provision to net charge-offs | 148.3645% | 2,137 |
| Earnings coverage of net charge-offs (x) | 8.5771% | 2,278 |
| Efficiency ratio | 74.0217% | 1,460 |
| Assets per employee ($millions) | 7.8300% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4198% | 4,895 |
| Loan loss allowance to noncurrent loans | 91.7695% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 3,247 |
| Noncurrent loans to loans | 0.4575% | 2,774 |
| Net loans and leases to total assets | 56.7241% | 3,628 |
| Net loans and leases to deposits | 68.8826% | 3,499 |
| Net loans and leases to core deposits | 72.7306% | 3,540 |
| Total domestic deposits to total assets | 82.3489% | 3,276 |
| Equity capital to assets | 17.0111% | 375 |
| Core capital (leverage) ratio | 16.7301% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $971,289,667 | 878 |
| Average earning assets | $902,644,000 | 873 |
| Average equity | $171,070,000 | 584 |
| Average total loans | $555,302,333 | 1,031 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 4,185 |
| Cost of funding earning assets | 0.9467% | 1,658 |
| Net interest margin | 2.8757% | 4,471 |
| Noninterest income to average assets | 0.2754% | 3,878 |
| Noninterest expense to average assets | 2.1363% | 4,150 |
| Loan and lease loss provision to assets | 0.2669% | 1,166 |
| Net operating income to assets | 0.4954% | 3,904 |
| Return on assets (ROA) | 0.4970% | 3,959 |
| Pretax return on assets | 0.5406% | 4,052 |
| Return on Equity (ROE) | 2.7704% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.7704% | 3,174 |
| Net charge-offs to loans | 0.0599% | 1,410 |
| Credit loss provision to net charge-offs | 777.7778% | 671 |
| Earnings coverage of net charge-offs (x) | 23.4815% | 1,327 |
| Efficiency ratio | 72.6094% | 1,986 |
| Assets per employee ($millions) | 6.9818% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 4,858 |
| Loan loss allowance to noncurrent loans | 78.7486% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 2,924 |
| Noncurrent loans to loans | 0.6534% | 2,355 |
| Net loans and leases to total assets | 56.8900% | 3,763 |
| Net loans and leases to deposits | 70.4222% | 3,556 |
| Net loans and leases to core deposits | 74.9569% | 3,573 |
| Total domestic deposits to total assets | 80.7843% | 3,712 |
| Equity capital to assets | 18.0934% | 348 |
| Core capital (leverage) ratio | 17.5298% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $944,068,500 | 874 |
| Average earning assets | $875,468,000 | 871 |
| Average equity | $169,361,000 | 583 |
| Average total loans | $540,808,500 | 1,025 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 4,178 |
| Cost of funding earning assets | 0.9560% | 1,926 |
| Net interest margin | 3.0803% | 4,397 |
| Noninterest income to average assets | 0.3383% | 3,684 |
| Noninterest expense to average assets | 2.3419% | 3,844 |
| Loan and lease loss provision to assets | 0.0391% | 3,238 |
| Net operating income to assets | 0.6986% | 3,873 |
| Return on assets (ROA) | 0.6985% | 3,937 |
| Pretax return on assets | 0.8140% | 3,941 |
| Return on Equity (ROE) | 3.8644% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,035 |
| Net charge-offs to loans | 0.0394% | 2,599 |
| Credit loss provision to net charge-offs | 164.0187% | 1,581 |
| Earnings coverage of net charge-offs (x) | 35.8178% | 1,404 |
| Efficiency ratio | 73.2223% | 1,697 |
| Assets per employee ($millions) | 6.9526% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 4,977 |
| Loan loss allowance to noncurrent loans | 48.8681% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,351 |
| Noncurrent loans to loans | 0.8529% | 1,804 |
| Net loans and leases to total assets | 57.1475% | 3,835 |
| Net loans and leases to deposits | 69.9775% | 3,675 |
| Net loans and leases to core deposits | 74.4828% | 3,681 |
| Total domestic deposits to total assets | 81.6655% | 3,599 |
| Equity capital to assets | 17.7838% | 390 |
| Core capital (leverage) ratio | 17.6702% | 361 |
| Tier 1 risk-based capital ratio | 33.7944% | 365 |
| Total risk-based capital ratio | 34.2601% | 376 |
| Memoranda: | ||
| Average total assets | $898,349,200 | 877 |
| Average earning assets | $833,153,200 | 870 |
| Average equity | $162,379,400 | 573 |
| Average total loans | $543,225,600 | 993 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 4,217 |
| Cost of funding earning assets | 0.9374% | 2,053 |
| Net interest margin | 3.1358% | 4,424 |
| Noninterest income to average assets | 0.3193% | 3,835 |
| Noninterest expense to average assets | 2.3015% | 3,945 |
| Loan and lease loss provision to assets | 0.0165% | 3,581 |
| Net operating income to assets | 0.7623% | 3,802 |
| Return on assets (ROA) | 0.7626% | 3,869 |
| Pretax return on assets | 0.9100% | 3,841 |
| Return on Equity (ROE) | 4.2014% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.2014% | 3,299 |
| Net charge-offs to loans | 0.0299% | 2,477 |
| Credit loss provision to net charge-offs | 90.1639% | 2,391 |
| Earnings coverage of net charge-offs (x) | 50.5746% | 1,180 |
| Efficiency ratio | 71.2087% | 1,939 |
| Assets per employee ($millions) | 6.8346% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 5,073 |
| Loan loss allowance to noncurrent loans | 45.4762% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 2,451 |
| Noncurrent loans to loans | 0.8421% | 1,894 |
| Net loans and leases to total assets | 59.5303% | 3,722 |
| Net loans and leases to deposits | 73.1821% | 3,543 |
| Net loans and leases to core deposits | 77.9536% | 3,556 |
| Total domestic deposits to total assets | 81.3455% | 3,653 |
| Equity capital to assets | 18.1099% | 388 |
| Core capital (leverage) ratio | 17.9676% | 356 |
| Tier 1 risk-based capital ratio | 33.1627% | 391 |
| Total risk-based capital ratio | 33.5925% | 409 |
| Memoranda: | ||
| Average total assets | $888,284,750 | 885 |
| Average earning assets | $823,836,750 | 876 |
| Average equity | $161,244,250 | 578 |
| Average total loans | $544,373,250 | 991 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 4,101 |
| Cost of funding earning assets | 0.9007% | 2,137 |
| Net interest margin | 3.2238% | 4,308 |
| Noninterest income to average assets | 0.3001% | 3,930 |
| Noninterest expense to average assets | 2.3158% | 3,966 |
| Loan and lease loss provision to assets | 0.0187% | 3,414 |
| Net operating income to assets | 0.7975% | 3,663 |
| Return on assets (ROA) | 0.7967% | 3,726 |
| Pretax return on assets | 0.9542% | 3,698 |
| Return on Equity (ROE) | 4.3855% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.3855% | 3,075 |
| Net charge-offs to loans | 0.0294% | 2,268 |
| Credit loss provision to net charge-offs | 102.5000% | 1,929 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 1,051 |
| Efficiency ratio | 70.2538% | 2,183 |
| Assets per employee ($millions) | 6.7801% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3875% | 5,116 |
| Loan loss allowance to noncurrent loans | 45.0085% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 2,410 |
| Noncurrent loans to loans | 0.8609% | 1,884 |
| Net loans and leases to total assets | 60.6124% | 3,685 |
| Net loans and leases to deposits | 74.5834% | 3,469 |
| Net loans and leases to core deposits | 79.2156% | 3,489 |
| Total domestic deposits to total assets | 81.2680% | 3,732 |
| Equity capital to assets | 18.2859% | 350 |
| Core capital (leverage) ratio | 18.0390% | 337 |
| Tier 1 risk-based capital ratio | 33.0646% | 388 |
| Total risk-based capital ratio | 33.5003% | 406 |
| Memoranda: | ||
| Average total assets | $879,102,670 | 893 |
| Average earning assets | $815,182,670 | 885 |
| Average equity | $159,707,000 | 576 |
| Average total loans | $543,400,000 | 994 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 4,019 |
| Cost of funding earning assets | 0.8618% | 2,200 |
| Net interest margin | 3.2827% | 4,203 |
| Noninterest income to average assets | 0.2824% | 3,990 |
| Noninterest expense to average assets | 2.2843% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8751% | 3,331 |
| Return on assets (ROA) | 0.8747% | 3,379 |
| Pretax return on assets | 1.0427% | 3,305 |
| Return on Equity (ROE) | 4.8309% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.8309% | 2,979 |
| Net charge-offs to loans | 0.0214% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 78.3448% | 779 |
| Efficiency ratio | 68.4283% | 2,579 |
| Assets per employee ($millions) | 6.8314% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3847% | 5,188 |
| Loan loss allowance to noncurrent loans | 46.6054% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 2,527 |
| Noncurrent loans to loans | 0.8254% | 1,993 |
| Net loans and leases to total assets | 61.1221% | 3,587 |
| Net loans and leases to deposits | 75.0124% | 3,352 |
| Net loans and leases to core deposits | 79.5823% | 3,405 |
| Total domestic deposits to total assets | 81.4826% | 3,859 |
| Equity capital to assets | 18.1550% | 341 |
| Core capital (leverage) ratio | 18.1323% | 332 |
| Tier 1 risk-based capital ratio | 33.5059% | 367 |
| Total risk-based capital ratio | 33.9455% | 388 |
| Memoranda: | ||
| Average total assets | $871,170,000 | 900 |
| Average earning assets | $808,122,500 | 892 |
| Average equity | $157,734,000 | 579 |
| Average total loans | $542,814,000 | 998 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,854 |
| Cost of funding earning assets | 0.6922% | 2,142 |
| Net interest margin | 3.3727% | 4,066 |
| Noninterest income to average assets | 0.3102% | 4,039 |
| Noninterest expense to average assets | 2.2980% | 4,129 |
| Loan and lease loss provision to assets | 0.0479% | 3,224 |
| Net operating income to assets | 0.9070% | 3,416 |
| Return on assets (ROA) | 0.9108% | 3,390 |
| Pretax return on assets | 1.1036% | 3,252 |
| Return on Equity (ROE) | 5.1518% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.1518% | 2,689 |
| Net charge-offs to loans | 0.0285% | 2,837 |
| Credit loss provision to net charge-offs | 267.3203% | 1,121 |
| Earnings coverage of net charge-offs (x) | 64.0392% | 983 |
| Efficiency ratio | 66.5262% | 2,783 |
| Assets per employee ($millions) | 6.7272% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3870% | 5,223 |
| Loan loss allowance to noncurrent loans | 45.6197% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,302 |
| Noncurrent loans to loans | 0.8484% | 1,901 |
| Net loans and leases to total assets | 63.0364% | 3,461 |
| Net loans and leases to deposits | 77.6532% | 3,208 |
| Net loans and leases to core deposits | 82.5748% | 3,217 |
| Total domestic deposits to total assets | 81.1769% | 3,848 |
| Equity capital to assets | 18.0558% | 339 |
| Core capital (leverage) ratio | 18.0847% | 323 |
| Tier 1 risk-based capital ratio | 34.6329% | 327 |
| Total risk-based capital ratio | 35.0993% | 339 |
| Memoranda: | ||
| Average total assets | $854,275,000 | 891 |
| Average earning assets | $794,000,800 | 886 |
| Average equity | $151,034,800 | 568 |
| Average total loans | $537,003,200 | 971 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,846 |
| Cost of funding earning assets | 0.6589% | 2,096 |
| Net interest margin | 3.3707% | 4,102 |
| Noninterest income to average assets | 0.3120% | 4,058 |
| Noninterest expense to average assets | 2.2868% | 4,130 |
| Loan and lease loss provision to assets | 0.0554% | 2,868 |
| Net operating income to assets | 0.9039% | 3,505 |
| Return on assets (ROA) | 0.9089% | 3,492 |
| Pretax return on assets | 1.1089% | 3,363 |
| Return on Equity (ROE) | 5.1687% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.1687% | 3,140 |
| Net charge-offs to loans | 0.0252% | 2,617 |
| Credit loss provision to net charge-offs | 350.4950% | 894 |
| Earnings coverage of net charge-offs (x) | 73.3285% | 927 |
| Efficiency ratio | 66.1764% | 2,839 |
| Assets per employee ($millions) | 6.7476% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3883% | 5,296 |
| Loan loss allowance to noncurrent loans | 46.3877% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,611 |
| Noncurrent loans to loans | 0.8371% | 2,035 |
| Net loans and leases to total assets | 62.5494% | 3,595 |
| Net loans and leases to deposits | 76.1240% | 3,409 |
| Net loans and leases to core deposits | 80.5221% | 3,455 |
| Total domestic deposits to total assets | 82.1678% | 3,559 |
| Equity capital to assets | 17.4321% | 385 |
| Core capital (leverage) ratio | 17.8154% | 343 |
| Tier 1 risk-based capital ratio | 34.4675% | 335 |
| Total risk-based capital ratio | 34.9369% | 348 |
| Memoranda: | ||
| Average total assets | $852,572,250 | 891 |
| Average earning assets | $792,467,000 | 885 |
| Average equity | $149,924,500 | 564 |
| Average total loans | $535,027,250 | 975 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,763 |
| Cost of funding earning assets | 0.6300% | 2,046 |
| Net interest margin | 3.3780% | 4,024 |
| Noninterest income to average assets | 0.3046% | 4,138 |
| Noninterest expense to average assets | 2.2465% | 4,269 |
| Loan and lease loss provision to assets | 0.0540% | 2,833 |
| Net operating income to assets | 0.9443% | 3,255 |
| Return on assets (ROA) | 0.9519% | 3,235 |
| Pretax return on assets | 1.1540% | 3,118 |
| Return on Equity (ROE) | 5.3970% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.3970% | 2,877 |
| Net charge-offs to loans | 0.0323% | 2,205 |
| Credit loss provision to net charge-offs | 266.2791% | 1,097 |
| Earnings coverage of net charge-offs (x) | 59.1628% | 1,006 |
| Efficiency ratio | 64.9867% | 3,160 |
| Assets per employee ($millions) | 6.8653% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 5,382 |
| Loan loss allowance to noncurrent loans | 66.8901% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,292 |
| Noncurrent loans to loans | 0.5604% | 2,738 |
| Net loans and leases to total assets | 61.8200% | 3,625 |
| Net loans and leases to deposits | 75.8069% | 3,356 |
| Net loans and leases to core deposits | 80.2999% | 3,393 |
| Total domestic deposits to total assets | 81.5493% | 3,856 |
| Equity capital to assets | 17.5140% | 364 |
| Core capital (leverage) ratio | 17.8483% | 322 |
| Tier 1 risk-based capital ratio | 34.7923% | 335 |
| Total risk-based capital ratio | 35.2467% | 342 |
| Memoranda: | ||
| Average total assets | $848,864,330 | 897 |
| Average earning assets | $789,221,000 | 887 |
| Average equity | $149,712,670 | 561 |
| Average total loans | $532,588,670 | 982 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 3,741 |
| Cost of funding earning assets | 0.6135% | 1,955 |
| Net interest margin | 3.3506% | 4,050 |
| Noninterest income to average assets | 0.2843% | 4,275 |
| Noninterest expense to average assets | 2.2103% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9893% | 2,892 |
| Return on assets (ROA) | 0.9893% | 2,922 |
| Pretax return on assets | 1.1897% | 2,799 |
| Return on Equity (ROE) | 5.5896% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.5896% | 2,907 |
| Net charge-offs to loans | 0.0030% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 627.7500% | 100 |
| Efficiency ratio | 64.7854% | 3,356 |
| Assets per employee ($millions) | 6.7214% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3479% | 5,466 |
| Loan loss allowance to noncurrent loans | 55.7431% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 3,115 |
| Noncurrent loans to loans | 0.6240% | 2,669 |
| Net loans and leases to total assets | 62.5456% | 3,481 |
| Net loans and leases to deposits | 76.2133% | 3,188 |
| Net loans and leases to core deposits | 80.5048% | 3,284 |
| Total domestic deposits to total assets | 82.0665% | 3,941 |
| Equity capital to assets | 17.5967% | 346 |
| Core capital (leverage) ratio | 17.9426% | 312 |
| Tier 1 risk-based capital ratio | 34.6390% | 333 |
| Total risk-based capital ratio | 35.0635% | 349 |
| Memoranda: | ||
| Average total assets | $844,213,500 | 906 |
| Average earning assets | $785,052,500 | 897 |
| Average equity | $149,419,500 | 565 |
| Average total loans | $532,626,000 | 987 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 3,704 |
| Cost of funding earning assets | 0.6064% | 1,557 |
| Net interest margin | 3.3000% | 4,165 |
| Noninterest income to average assets | 0.3085% | 4,250 |
| Noninterest expense to average assets | 2.2199% | 4,489 |
| Loan and lease loss provision to assets | 0.0502% | 3,218 |
| Net operating income to assets | 0.8304% | 3,030 |
| Return on assets (ROA) | 0.8404% | 3,026 |
| Pretax return on assets | 1.1294% | 3,063 |
| Return on Equity (ROE) | 4.8250% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.8250% | 2,237 |
| Net charge-offs to loans | 0.0671% | 2,503 |
| Credit loss provision to net charge-offs | 118.9266% | 2,205 |
| Earnings coverage of net charge-offs (x) | 27.6412% | 1,629 |
| Efficiency ratio | 65.2648% | 3,391 |
| Assets per employee ($millions) | 6.6262% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3472% | 5,530 |
| Loan loss allowance to noncurrent loans | 41.5564% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 2,705 |
| Noncurrent loans to loans | 0.8355% | 2,136 |
| Net loans and leases to total assets | 63.2007% | 3,463 |
| Net loans and leases to deposits | 77.8838% | 3,123 |
| Net loans and leases to core deposits | 81.7754% | 3,263 |
| Total domestic deposits to total assets | 81.1474% | 4,084 |
| Equity capital to assets | 17.8024% | 330 |
| Core capital (leverage) ratio | 17.8048% | 310 |
| Tier 1 risk-based capital ratio | 34.4908% | 332 |
| Total risk-based capital ratio | 34.9203% | 346 |
| Memoranda: | ||
| Average total assets | $839,224,400 | 890 |
| Average earning assets | $782,615,400 | 882 |
| Average equity | $146,177,600 | 552 |
| Average total loans | $527,551,600 | 975 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 3,665 |
| Cost of funding earning assets | 0.6052% | 1,494 |
| Net interest margin | 3.3002% | 4,172 |
| Noninterest income to average assets | 0.3064% | 4,338 |
| Noninterest expense to average assets | 2.1699% | 4,591 |
| Loan and lease loss provision to assets | 0.0294% | 3,535 |
| Net operating income to assets | 0.8653% | 3,201 |
| Return on assets (ROA) | 0.8785% | 3,183 |
| Pretax return on assets | 1.2044% | 2,887 |
| Return on Equity (ROE) | 5.0718% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.0718% | 2,841 |
| Net charge-offs to loans | 0.0702% | 2,120 |
| Credit loss provision to net charge-offs | 66.7870% | 2,727 |
| Earnings coverage of net charge-offs (x) | 27.6068% | 1,626 |
| Efficiency ratio | 63.7678% | 3,590 |
| Assets per employee ($millions) | 6.8469% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3211% | 5,610 |
| Loan loss allowance to noncurrent loans | 47.6901% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 3,169 |
| Noncurrent loans to loans | 0.6733% | 2,686 |
| Net loans and leases to total assets | 62.4045% | 3,608 |
| Net loans and leases to deposits | 77.3336% | 3,238 |
| Net loans and leases to core deposits | 80.5443% | 3,406 |
| Total domestic deposits to total assets | 80.6952% | 4,139 |
| Equity capital to assets | 17.6774% | 362 |
| Core capital (leverage) ratio | 17.5086% | 341 |
| Tier 1 risk-based capital ratio | 32.4644% | 400 |
| Total risk-based capital ratio | 32.8383% | 427 |
| Memoranda: | ||
| Average total assets | $838,649,250 | 893 |
| Average earning assets | $782,516,000 | 885 |
| Average equity | $145,269,000 | 559 |
| Average total loans | $526,013,750 | 977 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 3,585 |
| Cost of funding earning assets | 0.6095% | 1,387 |
| Net interest margin | 3.2804% | 4,171 |
| Noninterest income to average assets | 0.3045% | 4,358 |
| Noninterest expense to average assets | 2.1730% | 4,621 |
| Loan and lease loss provision to assets | 0.0358% | 3,287 |
| Net operating income to assets | 0.8456% | 3,178 |
| Return on assets (ROA) | 0.8566% | 3,178 |
| Pretax return on assets | 1.1726% | 2,884 |
| Return on Equity (ROE) | 4.9796% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.9796% | 2,723 |
| Net charge-offs to loans | 0.0632% | 2,025 |
| Credit loss provision to net charge-offs | 90.3614% | 2,135 |
| Earnings coverage of net charge-offs (x) | 30.1024% | 1,459 |
| Efficiency ratio | 64.2097% | 3,633 |
| Assets per employee ($millions) | 6.8437% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3340% | 5,649 |
| Loan loss allowance to noncurrent loans | 48.2674% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,178 |
| Noncurrent loans to loans | 0.6921% | 2,682 |
| Net loans and leases to total assets | 62.7015% | 3,548 |
| Net loans and leases to deposits | 76.2890% | 3,309 |
| Net loans and leases to core deposits | 79.3580% | 3,475 |
| Total domestic deposits to total assets | 82.1894% | 3,832 |
| Equity capital to assets | 17.4319% | 368 |
| Core capital (leverage) ratio | 17.3289% | 339 |
| Tier 1 risk-based capital ratio | 32.0706% | 399 |
| Total risk-based capital ratio | 32.4618% | 422 |
| Memoranda: | ||
| Average total assets | $837,476,670 | 901 |
| Average earning assets | $781,665,330 | 892 |
| Average equity | $144,067,670 | 564 |
| Average total loans | $525,604,000 | 977 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 3,550 |
| Cost of funding earning assets | 0.6178% | 1,253 |
| Net interest margin | 3.2422% | 4,209 |
| Noninterest income to average assets | 0.2729% | 4,593 |
| Noninterest expense to average assets | 2.1390% | 4,774 |
| Loan and lease loss provision to assets | 0.0718% | 2,367 |
| Net operating income to assets | 0.7892% | 3,272 |
| Return on assets (ROA) | 0.8112% | 3,229 |
| Pretax return on assets | 1.1176% | 2,910 |
| Return on Equity (ROE) | 4.7473% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.7473% | 3,040 |
| Net charge-offs to loans | 0.0535% | 1,805 |
| Credit loss provision to net charge-offs | 214.2857% | 967 |
| Earnings coverage of net charge-offs (x) | 34.5857% | 1,133 |
| Efficiency ratio | 64.5035% | 3,758 |
| Assets per employee ($millions) | 7.0420% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3550% | 5,717 |
| Loan loss allowance to noncurrent loans | 46.2779% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,096 |
| Noncurrent loans to loans | 0.7670% | 2,558 |
| Net loans and leases to total assets | 62.4753% | 3,470 |
| Net loans and leases to deposits | 75.7821% | 3,223 |
| Net loans and leases to core deposits | 78.8849% | 3,400 |
| Total domestic deposits to total assets | 82.4407% | 4,044 |
| Equity capital to assets | 17.1523% | 373 |
| Core capital (leverage) ratio | 17.1545% | 354 |
| Tier 1 risk-based capital ratio | 31.7969% | 421 |
| Total risk-based capital ratio | 32.2113% | 445 |
| Memoranda: | ||
| Average total assets | $835,325,500 | 905 |
| Average earning assets | $779,481,500 | 894 |
| Average equity | $142,732,500 | 563 |
| Average total loans | $523,617,500 | 980 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,653 |
| Cost of funding earning assets | 0.6547% | 1,029 |
| Net interest margin | 3.2227% | 4,373 |
| Noninterest income to average assets | 0.2807% | 4,732 |
| Noninterest expense to average assets | 2.2003% | 4,771 |
| Loan and lease loss provision to assets | 0.0383% | 3,608 |
| Net operating income to assets | 0.7888% | 3,356 |
| Return on assets (ROA) | 0.8055% | 3,384 |
| Pretax return on assets | 1.0832% | 3,164 |
| Return on Equity (ROE) | 4.7230% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.7230% | 2,534 |
| Net charge-offs to loans | 0.0414% | 3,204 |
| Credit loss provision to net charge-offs | 152.1531% | 1,798 |
| Earnings coverage of net charge-offs (x) | 43.6507% | 1,105 |
| Efficiency ratio | 66.2638% | 3,551 |
| Assets per employee ($millions) | 6.7695% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3423% | 5,775 |
| Loan loss allowance to noncurrent loans | 37.3328% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,833 |
| Noncurrent loans to loans | 0.9168% | 2,261 |
| Net loans and leases to total assets | 62.4561% | 3,553 |
| Net loans and leases to deposits | 76.2373% | 3,295 |
| Net loans and leases to core deposits | 79.3529% | 3,450 |
| Total domestic deposits to total assets | 81.9233% | 4,097 |
| Equity capital to assets | 17.0214% | 385 |
| Core capital (leverage) ratio | 17.0502% | 354 |
| Tier 1 risk-based capital ratio | 31.7531% | 419 |
| Total risk-based capital ratio | 32.1540% | 442 |
| Memoranda: | ||
| Average total assets | $830,161,800 | 874 |
| Average earning assets | $777,582,400 | 866 |
| Average equity | $141,585,000 | 560 |
| Average total loans | $505,203,200 | 964 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 3,691 |
| Cost of funding earning assets | 0.6551% | 1,034 |
| Net interest margin | 3.2167% | 4,438 |
| Noninterest income to average assets | 0.2769% | 4,789 |
| Noninterest expense to average assets | 2.1830% | 4,809 |
| Loan and lease loss provision to assets | 0.0342% | 3,549 |
| Net operating income to assets | 0.7814% | 3,448 |
| Return on assets (ROA) | 0.8178% | 3,422 |
| Pretax return on assets | 1.1259% | 3,132 |
| Return on Equity (ROE) | 4.7926% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.7926% | 2,960 |
| Net charge-offs to loans | 0.0245% | 3,177 |
| Credit loss provision to net charge-offs | 231.5217% | 1,271 |
| Earnings coverage of net charge-offs (x) | 75.0892% | 824 |
| Efficiency ratio | 65.8321% | 3,617 |
| Assets per employee ($millions) | 6.9338% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3519% | 5,827 |
| Loan loss allowance to noncurrent loans | 47.6153% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 3,371 |
| Noncurrent loans to loans | 0.7391% | 2,826 |
| Net loans and leases to total assets | 60.6481% | 3,794 |
| Net loans and leases to deposits | 74.4060% | 3,559 |
| Net loans and leases to core deposits | 77.1472% | 3,736 |
| Total domestic deposits to total assets | 81.5097% | 4,102 |
| Equity capital to assets | 17.2423% | 411 |
| Core capital (leverage) ratio | 16.9082% | 374 |
| Tier 1 risk-based capital ratio | 31.7900% | 418 |
| Total risk-based capital ratio | 32.1985% | 444 |
| Memoranda: | ||
| Average total assets | $829,539,500 | 875 |
| Average earning assets | $777,885,000 | 863 |
| Average equity | $141,549,000 | 562 |
| Average total loans | $501,047,250 | 975 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 3,644 |
| Cost of funding earning assets | 0.6529% | 1,042 |
| Net interest margin | 3.2333% | 4,434 |
| Noninterest income to average assets | 0.2539% | 4,952 |
| Noninterest expense to average assets | 2.1726% | 4,907 |
| Loan and lease loss provision to assets | 0.0513% | 3,119 |
| Net operating income to assets | 0.7786% | 3,408 |
| Return on assets (ROA) | 0.8054% | 3,421 |
| Pretax return on assets | 1.1026% | 3,188 |
| Return on Equity (ROE) | 4.7370% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.7370% | 2,906 |
| Net charge-offs to loans | 0.0285% | 2,914 |
| Credit loss provision to net charge-offs | 298.5915% | 971 |
| Earnings coverage of net charge-offs (x) | 65.0141% | 831 |
| Efficiency ratio | 65.5705% | 3,750 |
| Assets per employee ($millions) | 6.7185% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 5,908 |
| Loan loss allowance to noncurrent loans | 36.8613% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 3,116 |
| Noncurrent loans to loans | 0.9766% | 2,326 |
| Net loans and leases to total assets | 59.9201% | 3,890 |
| Net loans and leases to deposits | 73.8901% | 3,607 |
| Net loans and leases to core deposits | 76.5979% | 3,771 |
| Total domestic deposits to total assets | 81.0935% | 4,248 |
| Equity capital to assets | 17.0974% | 421 |
| Core capital (leverage) ratio | 16.6929% | 388 |
| Tier 1 risk-based capital ratio | 31.7043% | 429 |
| Total risk-based capital ratio | 32.1218% | 455 |
| Memoranda: | ||
| Average total assets | $826,391,330 | 881 |
| Average earning assets | $775,915,330 | 865 |
| Average equity | $140,512,000 | 567 |
| Average total loans | $497,854,670 | 984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,629 |
| Cost of funding earning assets | 0.6500% | 1,053 |
| Net interest margin | 3.2371% | 4,447 |
| Noninterest income to average assets | 0.2045% | 5,271 |
| Noninterest expense to average assets | 2.1545% | 5,013 |
| Loan and lease loss provision to assets | 0.0878% | 2,218 |
| Net operating income to assets | 0.7323% | 3,574 |
| Return on assets (ROA) | 0.7857% | 3,425 |
| Pretax return on assets | 1.0838% | 3,157 |
| Return on Equity (ROE) | 4.6339% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.6339% | 3,161 |
| Net charge-offs to loans | 0.0105% | 2,769 |
| Credit loss provision to net charge-offs | 1,384.6154% | 300 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 351 |
| Efficiency ratio | 65.7713% | 3,846 |
| Assets per employee ($millions) | 6.6687% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 5,970 |
| Loan loss allowance to noncurrent loans | 43.0439% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 3,128 |
| Noncurrent loans to loans | 0.8606% | 2,693 |
| Net loans and leases to total assets | 59.4938% | 3,847 |
| Net loans and leases to deposits | 72.0457% | 3,649 |
| Net loans and leases to core deposits | 74.5094% | 3,839 |
| Total domestic deposits to total assets | 82.5778% | 4,043 |
| Equity capital to assets | 16.8860% | 431 |
| Core capital (leverage) ratio | 16.7025% | 398 |
| Tier 1 risk-based capital ratio | 33.2337% | 387 |
| Total risk-based capital ratio | 33.6833% | 403 |
| Memoranda: | ||
| Average total assets | $819,681,000 | 890 |
| Average earning assets | $771,686,000 | 874 |
| Average equity | $138,975,000 | 570 |
| Average total loans | $494,265,000 | 982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,585 |
| Cost of funding earning assets | 0.6713% | 953 |
| Net interest margin | 3.2635% | 4,429 |
| Noninterest income to average assets | 0.2928% | 4,794 |
| Noninterest expense to average assets | 2.2010% | 5,043 |
| Loan and lease loss provision to assets | 0.0663% | 2,959 |
| Net operating income to assets | 0.8178% | 3,260 |
| Return on assets (ROA) | 0.8579% | 3,144 |
| Pretax return on assets | 1.1605% | 2,808 |
| Return on Equity (ROE) | 5.1695% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.1695% | 2,302 |
| Net charge-offs to loans | 0.0888% | 2,549 |
| Credit loss provision to net charge-offs | 128.4689% | 2,034 |
| Earnings coverage of net charge-offs (x) | 22.7368% | 1,761 |
| Efficiency ratio | 64.6966% | 4,135 |
| Assets per employee ($millions) | 6.3950% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3415% | 6,031 |
| Loan loss allowance to noncurrent loans | 36.9733% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 3,112 |
| Noncurrent loans to loans | 0.9237% | 2,490 |
| Net loans and leases to total assets | 60.6965% | 3,740 |
| Net loans and leases to deposits | 73.5923% | 3,542 |
| Net loans and leases to core deposits | 75.7996% | 3,774 |
| Total domestic deposits to total assets | 82.4767% | 4,023 |
| Equity capital to assets | 17.0259% | 410 |
| Core capital (leverage) ratio | 16.7979% | 391 |
| Tier 1 risk-based capital ratio | 33.3281% | 381 |
| Total risk-based capital ratio | 33.7427% | 405 |
| Memoranda: | ||
| Average total assets | $810,506,600 | 856 |
| Average earning assets | $765,121,200 | 825 |
| Average equity | $134,499,400 | 565 |
| Average total loans | $470,659,400 | 985 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 3,592 |
| Cost of funding earning assets | 0.6782% | 938 |
| Net interest margin | 3.2600% | 4,490 |
| Noninterest income to average assets | 0.2939% | 4,843 |
| Noninterest expense to average assets | 2.1535% | 5,162 |
| Loan and lease loss provision to assets | 0.0554% | 3,089 |
| Net operating income to assets | 0.8397% | 3,219 |
| Return on assets (ROA) | 0.8757% | 3,145 |
| Pretax return on assets | 1.2126% | 2,771 |
| Return on Equity (ROE) | 5.3112% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,715 |
| Net charge-offs to loans | 0.0527% | 2,853 |
| Credit loss provision to net charge-offs | 183.1522% | 1,450 |
| Earnings coverage of net charge-offs (x) | 40.2985% | 1,238 |
| Efficiency ratio | 63.3033% | 4,360 |
| Assets per employee ($millions) | 6.4684% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3595% | 6,109 |
| Loan loss allowance to noncurrent loans | 34.0434% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 3,149 |
| Noncurrent loans to loans | 1.0561% | 2,371 |
| Net loans and leases to total assets | 58.6091% | 4,065 |
| Net loans and leases to deposits | 71.0458% | 3,872 |
| Net loans and leases to core deposits | 73.1004% | 4,095 |
| Total domestic deposits to total assets | 82.4949% | 3,995 |
| Equity capital to assets | 16.9322% | 438 |
| Core capital (leverage) ratio | 16.4416% | 433 |
| Tier 1 risk-based capital ratio | 33.5591% | 394 |
| Total risk-based capital ratio | 33.9902% | 415 |
| Memoranda: | ||
| Average total assets | $811,689,750 | 869 |
| Average earning assets | $766,269,250 | 832 |
| Average equity | $133,826,750 | 569 |
| Average total loans | $465,636,000 | 997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 3,569 |
| Cost of funding earning assets | 0.6913% | 882 |
| Net interest margin | 3.2397% | 4,531 |
| Noninterest income to average assets | 0.2717% | 5,010 |
| Noninterest expense to average assets | 2.1166% | 5,302 |
| Loan and lease loss provision to assets | 0.0472% | 3,177 |
| Net operating income to assets | 0.8338% | 3,198 |
| Return on assets (ROA) | 0.8876% | 3,070 |
| Pretax return on assets | 1.2412% | 2,589 |
| Return on Equity (ROE) | 5.4322% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.4322% | 2,579 |
| Net charge-offs to loans | 0.0536% | 2,649 |
| Credit loss provision to net charge-offs | 154.8387% | 1,507 |
| Earnings coverage of net charge-offs (x) | 39.7742% | 1,137 |
| Efficiency ratio | 62.9646% | 4,527 |
| Assets per employee ($millions) | 6.4399% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3458% | 6,190 |
| Loan loss allowance to noncurrent loans | 30.2872% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 3,225 |
| Noncurrent loans to loans | 1.1419% | 2,367 |
| Net loans and leases to total assets | 57.6705% | 4,151 |
| Net loans and leases to deposits | 70.2247% | 3,906 |
| Net loans and leases to core deposits | 72.1599% | 4,114 |
| Total domestic deposits to total assets | 82.1228% | 4,255 |
| Equity capital to assets | 16.4968% | 465 |
| Core capital (leverage) ratio | 16.2804% | 432 |
| Tier 1 risk-based capital ratio | 33.1280% | 421 |
| Total risk-based capital ratio | 33.5375% | 443 |
| Memoranda: | ||
| Average total assets | $812,735,330 | 871 |
| Average earning assets | $767,302,000 | 834 |
| Average equity | $132,800,330 | 573 |
| Average total loans | $462,316,000 | 1,001 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,565 |
| Cost of funding earning assets | 0.7167% | 787 |
| Net interest margin | 3.1918% | 4,639 |
| Noninterest income to average assets | 0.2213% | 5,370 |
| Noninterest expense to average assets | 2.0394% | 5,504 |
| Loan and lease loss provision to assets | 0.0507% | 2,920 |
| Net operating income to assets | 0.8168% | 3,175 |
| Return on assets (ROA) | 0.8876% | 2,930 |
| Pretax return on assets | 1.2447% | 2,493 |
| Return on Equity (ROE) | 5.4585% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.4585% | 2,801 |
| Net charge-offs to loans | 0.0968% | 1,751 |
| Credit loss provision to net charge-offs | 92.7928% | 1,725 |
| Earnings coverage of net charge-offs (x) | 21.9009% | 1,367 |
| Efficiency ratio | 62.4354% | 4,720 |
| Assets per employee ($millions) | 6.6412% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 6,273 |
| Loan loss allowance to noncurrent loans | 27.5329% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 3,228 |
| Noncurrent loans to loans | 1.2225% | 2,329 |
| Net loans and leases to total assets | 56.1465% | 4,186 |
| Net loans and leases to deposits | 67.5969% | 3,994 |
| Net loans and leases to core deposits | 69.6032% | 4,193 |
| Total domestic deposits to total assets | 83.0609% | 4,164 |
| Equity capital to assets | 16.3860% | 498 |
| Core capital (leverage) ratio | 16.0100% | 463 |
| Tier 1 risk-based capital ratio | 33.1143% | 419 |
| Total risk-based capital ratio | 33.5102% | 443 |
| Memoranda: | ||
| Average total assets | $813,391,000 | 869 |
| Average earning assets | $767,974,000 | 839 |
| Average equity | $132,271,000 | 574 |
| Average total loans | $458,686,000 | 1,011 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 4,123 |
| Cost of funding earning assets | 0.7298% | 951 |
| Net interest margin | 3.1692% | 5,019 |
| Noninterest income to average assets | 0.2484% | 5,348 |
| Noninterest expense to average assets | 2.0215% | 5,728 |
| Loan and lease loss provision to assets | 0.0760% | 2,955 |
| Net operating income to assets | 0.8503% | 3,115 |
| Return on assets (ROA) | 0.8881% | 3,014 |
| Pretax return on assets | 1.1934% | 2,680 |
| Return on Equity (ROE) | 5.7351% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.7351% | 2,114 |
| Net charge-offs to loans | 0.1420% | 2,610 |
| Credit loss provision to net charge-offs | 97.0079% | 2,501 |
| Earnings coverage of net charge-offs (x) | 15.5449% | 2,074 |
| Efficiency ratio | 61.7067% | 4,953 |
| Assets per employee ($millions) | 6.6935% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3406% | 6,361 |
| Loan loss allowance to noncurrent loans | 24.8603% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 2,964 |
| Noncurrent loans to loans | 1.3699% | 2,143 |
| Net loans and leases to total assets | 56.2557% | 4,299 |
| Net loans and leases to deposits | 68.2253% | 4,104 |
| Net loans and leases to core deposits | 70.1825% | 4,313 |
| Total domestic deposits to total assets | 82.4558% | 4,268 |
| Equity capital to assets | 16.1362% | 519 |
| Core capital (leverage) ratio | 15.7711% | 493 |
| Tier 1 risk-based capital ratio | 29.1631% | 551 |
| Total risk-based capital ratio | 29.5196% | 589 |
| Memoranda: | ||
| Average total assets | $810,232,800 | 836 |
| Average earning assets | $764,778,400 | 801 |
| Average equity | $125,472,400 | 583 |
| Average total loans | $447,149,000 | 987 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 4,189 |
| Cost of funding earning assets | 0.7277% | 1,003 |
| Net interest margin | 3.1681% | 5,065 |
| Noninterest income to average assets | 0.2605% | 5,350 |
| Noninterest expense to average assets | 1.9656% | 5,828 |
| Loan and lease loss provision to assets | 0.0551% | 3,270 |
| Net operating income to assets | 0.8947% | 2,937 |
| Return on assets (ROA) | 0.9445% | 2,798 |
| Pretax return on assets | 1.2986% | 2,379 |
| Return on Equity (ROE) | 6.1635% | 4,149 |
| Retained earnings to average equity (ytd only) | 6.1635% | 2,299 |
| Net charge-offs to loans | 0.1286% | 2,506 |
| Credit loss provision to net charge-offs | 78.0886% | 2,632 |
| Earnings coverage of net charge-offs (x) | 18.2120% | 1,857 |
| Efficiency ratio | 59.7449% | 5,222 |
| Assets per employee ($millions) | 6.6389% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3284% | 6,454 |
| Loan loss allowance to noncurrent loans | 23.0267% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 3,170 |
| Noncurrent loans to loans | 1.4262% | 2,279 |
| Net loans and leases to total assets | 55.5311% | 4,390 |
| Net loans and leases to deposits | 66.2891% | 4,298 |
| Net loans and leases to core deposits | 68.1809% | 4,493 |
| Total domestic deposits to total assets | 83.7711% | 3,850 |
| Equity capital to assets | 15.8134% | 590 |
| Core capital (leverage) ratio | 15.4657% | 545 |
| Tier 1 risk-based capital ratio | 28.6965% | 597 |
| Total risk-based capital ratio | 29.0343% | 641 |
| Memoranda: | ||
| Average total assets | $810,312,000 | 839 |
| Average earning assets | $764,937,750 | 801 |
| Average equity | $124,168,000 | 587 |
| Average total loans | $444,641,000 | 996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,179 |
| Cost of funding earning assets | 0.7247% | 1,053 |
| Net interest margin | 3.1647% | 5,056 |
| Noninterest income to average assets | 0.2389% | 5,486 |
| Noninterest expense to average assets | 1.9404% | 5,927 |
| Loan and lease loss provision to assets | 0.0452% | 3,418 |
| Net operating income to assets | 0.8896% | 2,861 |
| Return on assets (ROA) | 0.9467% | 2,666 |
| Pretax return on assets | 1.3210% | 2,183 |
| Return on Equity (ROE) | 6.2443% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.2443% | 2,188 |
| Net charge-offs to loans | 0.1221% | 2,451 |
| Credit loss provision to net charge-offs | 67.7778% | 2,506 |
| Earnings coverage of net charge-offs (x) | 19.3148% | 1,632 |
| Efficiency ratio | 59.3898% | 5,374 |
| Assets per employee ($millions) | 6.6547% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3356% | 6,521 |
| Loan loss allowance to noncurrent loans | 24.3340% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 3,442 |
| Noncurrent loans to loans | 1.3793% | 2,499 |
| Net loans and leases to total assets | 54.0171% | 4,539 |
| Net loans and leases to deposits | 64.7017% | 4,418 |
| Net loans and leases to core deposits | 66.5475% | 4,587 |
| Total domestic deposits to total assets | 83.4865% | 4,117 |
| Equity capital to assets | 15.4635% | 623 |
| Core capital (leverage) ratio | 15.2084% | 571 |
| Tier 1 risk-based capital ratio | 28.8076% | 595 |
| Total risk-based capital ratio | 29.1537% | 637 |
| Memoranda: | ||
| Average total assets | $810,434,000 | 838 |
| Average earning assets | $765,318,330 | 800 |
| Average equity | $122,864,000 | 590 |
| Average total loans | $442,436,670 | 996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 4,102 |
| Cost of funding earning assets | 0.7309% | 1,071 |
| Net interest margin | 3.1644% | 5,034 |
| Noninterest income to average assets | 0.2207% | 5,591 |
| Noninterest expense to average assets | 1.9202% | 6,033 |
| Loan and lease loss provision to assets | 0.0119% | 3,673 |
| Net operating income to assets | 0.9137% | 2,584 |
| Return on assets (ROA) | 0.9137% | 2,656 |
| Pretax return on assets | 1.2758% | 2,195 |
| Return on Equity (ROE) | 6.0888% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.0888% | 2,493 |
| Net charge-offs to loans | 0.2182% | 1,451 |
| Credit loss provision to net charge-offs | 9.9585% | 2,610 |
| Earnings coverage of net charge-offs (x) | 10.7718% | 1,833 |
| Efficiency ratio | 59.1155% | 5,523 |
| Assets per employee ($millions) | 6.6823% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 6,606 |
| Loan loss allowance to noncurrent loans | 21.4658% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 3,513 |
| Noncurrent loans to loans | 1.4368% | 2,629 |
| Net loans and leases to total assets | 53.8814% | 4,435 |
| Net loans and leases to deposits | 63.7338% | 4,341 |
| Net loans and leases to core deposits | 65.5399% | 4,545 |
| Total domestic deposits to total assets | 84.5414% | 4,070 |
| Equity capital to assets | 15.0686% | 657 |
| Core capital (leverage) ratio | 15.0704% | 594 |
| Tier 1 risk-based capital ratio | 28.7168% | 593 |
| Total risk-based capital ratio | 29.0370% | 645 |
| Memoranda: | ||
| Average total assets | $806,386,500 | 853 |
| Average earning assets | $761,226,500 | 814 |
| Average equity | $121,009,500 | 600 |
| Average total loans | $441,837,500 | 1,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 4,039 |
| Cost of funding earning assets | 0.8376% | 1,009 |
| Net interest margin | 3.1768% | 5,072 |
| Noninterest income to average assets | 0.2753% | 5,386 |
| Noninterest expense to average assets | 1.9317% | 6,136 |
| Loan and lease loss provision to assets | 0.1008% | 3,121 |
| Net operating income to assets | 0.8831% | 2,864 |
| Return on assets (ROA) | 0.9261% | 2,744 |
| Pretax return on assets | 1.2689% | 2,274 |
| Return on Equity (ROE) | 6.1410% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.1410% | 1,890 |
| Net charge-offs to loans | 0.1634% | 3,179 |
| Credit loss provision to net charge-offs | 113.9007% | 2,120 |
| Earnings coverage of net charge-offs (x) | 14.8142% | 1,918 |
| Efficiency ratio | 58.7530% | 5,643 |
| Assets per employee ($millions) | 6.5911% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3557% | 6,664 |
| Loan loss allowance to noncurrent loans | 20.1896% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 3,186 |
| Noncurrent loans to loans | 1.7619% | 2,286 |
| Net loans and leases to total assets | 55.3554% | 4,403 |
| Net loans and leases to deposits | 65.3993% | 4,368 |
| Net loans and leases to core deposits | 67.3479% | 4,577 |
| Total domestic deposits to total assets | 84.6422% | 3,910 |
| Equity capital to assets | 14.9428% | 679 |
| Core capital (leverage) ratio | 14.8998% | 615 |
| Tier 1 risk-based capital ratio | 28.3202% | 591 |
| Total risk-based capital ratio | 28.6921% | 633 |
| Memoranda: | ||
| Average total assets | $796,852,200 | 832 |
| Average earning assets | $744,245,600 | 815 |
| Average equity | $120,175,400 | 592 |
| Average total loans | $431,346,400 | 990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,479 |
| Cost of funding earning assets | 0.8558% | 1,016 |
| Net interest margin | 3.0504% | 5,466 |
| Noninterest income to average assets | 0.2706% | 5,514 |
| Noninterest expense to average assets | 1.7603% | 6,399 |
| Loan and lease loss provision to assets | 0.0661% | 3,733 |
| Net operating income to assets | 0.9327% | 2,676 |
| Return on assets (ROA) | 0.9695% | 2,606 |
| Pretax return on assets | 1.3370% | 2,184 |
| Return on Equity (ROE) | 6.4137% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.4137% | 2,180 |
| Net charge-offs to loans | 0.1027% | 3,508 |
| Credit loss provision to net charge-offs | 119.6970% | 1,974 |
| Earnings coverage of net charge-offs (x) | 24.4939% | 1,422 |
| Efficiency ratio | 55.6637% | 5,952 |
| Assets per employee ($millions) | 6.7099% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3506% | 6,750 |
| Loan loss allowance to noncurrent loans | 19.2822% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 3,241 |
| Noncurrent loans to loans | 1.8183% | 2,471 |
| Net loans and leases to total assets | 54.4303% | 4,537 |
| Net loans and leases to deposits | 64.1775% | 4,502 |
| Net loans and leases to core deposits | 65.9074% | 4,722 |
| Total domestic deposits to total assets | 84.8121% | 3,837 |
| Equity capital to assets | 14.8494% | 740 |
| Core capital (leverage) ratio | 14.7449% | 686 |
| Tier 1 risk-based capital ratio | 28.4484% | 599 |
| Total risk-based capital ratio | 28.8189% | 646 |
| Memoranda: | ||
| Average total assets | $796,683,500 | 840 |
| Average earning assets | $742,348,750 | 819 |
| Average equity | $120,426,000 | 597 |
| Average total loans | $428,420,500 | 1,000 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 4,410 |
| Cost of funding earning assets | 0.8793% | 988 |
| Net interest margin | 3.0397% | 5,466 |
| Noninterest income to average assets | 0.3096% | 5,229 |
| Noninterest expense to average assets | 1.7381% | 6,458 |
| Loan and lease loss provision to assets | 0.0380% | 4,187 |
| Net operating income to assets | 0.9501% | 2,572 |
| Return on assets (ROA) | 1.0032% | 2,454 |
| Pretax return on assets | 1.4277% | 1,842 |
| Return on Equity (ROE) | 6.5975% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.5975% | 2,094 |
| Net charge-offs to loans | 0.1253% | 3,123 |
| Credit loss provision to net charge-offs | 56.7669% | 3,080 |
| Earnings coverage of net charge-offs (x) | 20.7406% | 1,445 |
| Efficiency ratio | 54.6633% | 6,088 |
| Assets per employee ($millions) | 6.6674% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3210% | 6,803 |
| Loan loss allowance to noncurrent loans | 24.8767% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 3,708 |
| Noncurrent loans to loans | 1.2903% | 3,400 |
| Net loans and leases to total assets | 52.4277% | 4,799 |
| Net loans and leases to deposits | 62.0031% | 4,744 |
| Net loans and leases to core deposits | 63.6448% | 4,933 |
| Total domestic deposits to total assets | 84.5566% | 4,104 |
| Equity capital to assets | 14.9792% | 716 |
| Core capital (leverage) ratio | 14.6812% | 671 |
| Tier 1 risk-based capital ratio | 28.5940% | 599 |
| Total risk-based capital ratio | 28.9282% | 640 |
| Memoranda: | ||
| Average total assets | $793,849,330 | 845 |
| Average earning assets | $736,048,330 | 832 |
| Average equity | $120,713,000 | 595 |
| Average total loans | $424,625,000 | 1,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 4,268 |
| Cost of funding earning assets | 0.9027% | 976 |
| Net interest margin | 3.0573% | 5,405 |
| Noninterest income to average assets | 0.3810% | 4,615 |
| Noninterest expense to average assets | 1.7130% | 6,545 |
| Loan and lease loss provision to assets | 0.0767% | 3,350 |
| Net operating income to assets | 0.9842% | 2,298 |
| Return on assets (ROA) | 1.0897% | 2,008 |
| Pretax return on assets | 1.5728% | 1,368 |
| Return on Equity (ROE) | 7.1117% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.1117% | 2,103 |
| Net charge-offs to loans | 0.1431% | 2,546 |
| Credit loss provision to net charge-offs | 99.3421% | 1,882 |
| Earnings coverage of net charge-offs (x) | 19.3816% | 1,225 |
| Efficiency ratio | 52.4850% | 6,349 |
| Assets per employee ($millions) | 6.6314% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3512% | 6,876 |
| Loan loss allowance to noncurrent loans | 20.9629% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 3,608 |
| Noncurrent loans to loans | 1.6754% | 3,034 |
| Net loans and leases to total assets | 52.6280% | 4,608 |
| Net loans and leases to deposits | 62.5532% | 4,467 |
| Net loans and leases to core deposits | 64.3043% | 4,710 |
| Total domestic deposits to total assets | 84.1331% | 4,418 |
| Equity capital to assets | 15.2322% | 703 |
| Core capital (leverage) ratio | 14.8034% | 621 |
| Tier 1 risk-based capital ratio | 28.5248% | 610 |
| Total risk-based capital ratio | 28.8920% | 648 |
| Memoranda: | ||
| Average total assets | $787,395,000 | 860 |
| Average earning assets | $728,494,000 | 844 |
| Average equity | $120,646,500 | 608 |
| Average total loans | $424,774,000 | 1,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 4,632 |
| Cost of funding earning assets | 1.0736% | 1,004 |
| Net interest margin | 3.1162% | 5,776 |
| Noninterest income to average assets | 0.3303% | 5,090 |
| Noninterest expense to average assets | 1.7696% | 6,663 |
| Loan and lease loss provision to assets | 0.0577% | 5,054 |
| Net operating income to assets | 0.9901% | 2,381 |
| Return on assets (ROA) | 1.0483% | 2,328 |
| Pretax return on assets | 1.5094% | 1,647 |
| Return on Equity (ROE) | 6.9792% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.9792% | 1,576 |
| Net charge-offs to loans | 0.1172% | 4,520 |
| Credit loss provision to net charge-offs | 89.5582% | 3,493 |
| Earnings coverage of net charge-offs (x) | 22.9960% | 1,235 |
| Efficiency ratio | 53.4337% | 6,328 |
| Assets per employee ($millions) | 6.6019% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3441% | 6,925 |
| Loan loss allowance to noncurrent loans | 19.0556% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 3,596 |
| Noncurrent loans to loans | 1.8056% | 2,911 |
| Net loans and leases to total assets | 54.9148% | 4,467 |
| Net loans and leases to deposits | 65.4867% | 4,359 |
| Net loans and leases to core deposits | 67.3610% | 4,608 |
| Total domestic deposits to total assets | 83.8564% | 4,381 |
| Equity capital to assets | 15.4142% | 653 |
| Core capital (leverage) ratio | 14.7419% | 618 |
| Tier 1 risk-based capital ratio | 28.3115% | 607 |
| Total risk-based capital ratio | 28.6836% | 646 |
| Memoranda: | ||
| Average total assets | $772,309,800 | 859 |
| Average earning assets | $724,205,000 | 825 |
| Average equity | $116,001,600 | 620 |
| Average total loans | $425,095,400 | 984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 4,690 |
| Cost of funding earning assets | 1.1057% | 1,042 |
| Net interest margin | 3.1287% | 5,875 |
| Noninterest income to average assets | 0.3286% | 5,167 |
| Noninterest expense to average assets | 1.7225% | 6,766 |
| Loan and lease loss provision to assets | 0.0685% | 4,820 |
| Net operating income to assets | 0.9842% | 2,590 |
| Return on assets (ROA) | 1.0595% | 2,467 |
| Pretax return on assets | 1.5928% | 1,602 |
| Return on Equity (ROE) | 7.1012% | 3,751 |
| Retained earnings to average equity (ytd only) | 7.1012% | 2,064 |
| Net charge-offs to loans | 0.1242% | 4,135 |
| Credit loss provision to net charge-offs | 100.2532% | 2,951 |
| Earnings coverage of net charge-offs (x) | 22.6634% | 1,348 |
| Efficiency ratio | 51.6607% | 6,482 |
| Assets per employee ($millions) | 6.7895% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3586% | 7,038 |
| Loan loss allowance to noncurrent loans | 18.3598% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 3,801 |
| Noncurrent loans to loans | 1.9534% | 2,893 |
| Net loans and leases to total assets | 54.4076% | 4,691 |
| Net loans and leases to deposits | 64.7336% | 4,624 |
| Net loans and leases to core deposits | 66.6070% | 4,885 |
| Total domestic deposits to total assets | 84.0485% | 4,193 |
| Equity capital to assets | 15.1994% | 774 |
| Core capital (leverage) ratio | 14.4462% | 721 |
| Tier 1 risk-based capital ratio | 27.2724% | 719 |
| Total risk-based capital ratio | 27.6508% | 776 |
| Memoranda: | ||
| Average total assets | $770,630,500 | 867 |
| Average earning assets | $724,839,250 | 828 |
| Average equity | $114,981,750 | 625 |
| Average total loans | $424,049,750 | 990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 4,558 |
| Cost of funding earning assets | 1.1453% | 1,050 |
| Net interest margin | 3.1577% | 5,850 |
| Noninterest income to average assets | 0.3266% | 5,216 |
| Noninterest expense to average assets | 1.7324% | 6,815 |
| Loan and lease loss provision to assets | 0.0394% | 5,178 |
| Net operating income to assets | 0.9969% | 2,478 |
| Return on assets (ROA) | 1.0865% | 2,320 |
| Pretax return on assets | 1.6618% | 1,365 |
| Return on Equity (ROE) | 7.3283% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.3283% | 1,941 |
| Net charge-offs to loans | 0.1498% | 3,714 |
| Credit loss provision to net charge-offs | 47.6341% | 4,091 |
| Earnings coverage of net charge-offs (x) | 18.9180% | 1,461 |
| Efficiency ratio | 51.5542% | 6,535 |
| Assets per employee ($millions) | 6.6320% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3233% | 7,111 |
| Loan loss allowance to noncurrent loans | 16.3842% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 3,785 |
| Noncurrent loans to loans | 1.9735% | 2,972 |
| Net loans and leases to total assets | 54.6170% | 4,689 |
| Net loans and leases to deposits | 64.8742% | 4,653 |
| Net loans and leases to core deposits | 66.7970% | 4,916 |
| Total domestic deposits to total assets | 84.1890% | 4,236 |
| Equity capital to assets | 15.0699% | 767 |
| Core capital (leverage) ratio | 14.1967% | 757 |
| Tier 1 risk-based capital ratio | 27.1827% | 710 |
| Total risk-based capital ratio | 27.5247% | 769 |
| Memoranda: | ||
| Average total assets | $767,243,000 | 869 |
| Average earning assets | $721,414,000 | 835 |
| Average equity | $113,750,330 | 631 |
| Average total loans | $423,286,330 | 994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 4,597 |
| Cost of funding earning assets | 1.1953% | 1,010 |
| Net interest margin | 3.1375% | 5,939 |
| Noninterest income to average assets | 0.3002% | 5,478 |
| Noninterest expense to average assets | 1.7165% | 6,884 |
| Loan and lease loss provision to assets | 0.0005% | 5,252 |
| Net operating income to assets | 0.9966% | 2,493 |
| Return on assets (ROA) | 0.9966% | 2,684 |
| Pretax return on assets | 1.5306% | 1,797 |
| Return on Equity (ROE) | 6.7780% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.7780% | 2,537 |
| Net charge-offs to loans | 0.1537% | 3,173 |
| Credit loss provision to net charge-offs | 0.6135% | 3,988 |
| Earnings coverage of net charge-offs (x) | 17.9939% | 1,285 |
| Efficiency ratio | 51.8245% | 6,557 |
| Assets per employee ($millions) | 6.7260% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3243% | 7,164 |
| Loan loss allowance to noncurrent loans | 16.3010% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3398% | 3,886 |
| Noncurrent loans to loans | 1.9892% | 3,178 |
| Net loans and leases to total assets | 54.3264% | 4,665 |
| Net loans and leases to deposits | 64.2168% | 4,603 |
| Net loans and leases to core deposits | 65.9744% | 4,912 |
| Total domestic deposits to total assets | 84.5984% | 4,220 |
| Equity capital to assets | 14.6977% | 808 |
| Core capital (leverage) ratio | 13.9664% | 811 |
| Tier 1 risk-based capital ratio | 26.6915% | 751 |
| Total risk-based capital ratio | 27.0354% | 806 |
| Memoranda: | ||
| Average total assets | $766,210,500 | 873 |
| Average earning assets | $719,811,500 | 835 |
| Average equity | $112,658,500 | 633 |
| Average total loans | $424,161,500 | 985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 4,923 |
| Cost of funding earning assets | 1.3803% | 1,119 |
| Net interest margin | 3.1582% | 6,197 |
| Noninterest income to average assets | 0.2804% | 5,522 |
| Noninterest expense to average assets | 1.7328% | 7,032 |
| Loan and lease loss provision to assets | 0.1325% | 4,955 |
| Net operating income to assets | 0.9176% | 2,535 |
| Return on assets (ROA) | 0.9177% | 2,649 |
| Pretax return on assets | 1.3901% | 1,810 |
| Return on Equity (ROE) | 6.4043% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.4043% | 1,801 |
| Net charge-offs to loans | 0.2102% | 4,472 |
| Credit loss provision to net charge-offs | 110.0559% | 3,045 |
| Earnings coverage of net charge-offs (x) | 12.6458% | 1,606 |
| Efficiency ratio | 52.0929% | 6,692 |
| Assets per employee ($millions) | 6.7162% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3581% | 7,190 |
| Loan loss allowance to noncurrent loans | 17.2150% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 3,735 |
| Noncurrent loans to loans | 2.0799% | 3,094 |
| Net loans and leases to total assets | 56.0286% | 4,697 |
| Net loans and leases to deposits | 66.2438% | 4,697 |
| Net loans and leases to core deposits | 68.9357% | 4,911 |
| Total domestic deposits to total assets | 84.5794% | 4,054 |
| Equity capital to assets | 14.7090% | 844 |
| Core capital (leverage) ratio | 13.8973% | 850 |
| Tier 1 risk-based capital ratio | 25.9890% | 781 |
| Total risk-based capital ratio | 26.3704% | 846 |
| Memoranda: | ||
| Average total assets | $743,457,800 | 883 |
| Average earning assets | $700,272,800 | 859 |
| Average equity | $106,538,400 | 645 |
| Average total loans | $425,703,400 | 982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 5,054 |
| Cost of funding earning assets | 1.4129% | 1,175 |
| Net interest margin | 3.1443% | 6,306 |
| Noninterest income to average assets | 0.2432% | 5,882 |
| Noninterest expense to average assets | 1.6717% | 7,121 |
| Loan and lease loss provision to assets | 0.1073% | 5,096 |
| Net operating income to assets | 0.9367% | 2,583 |
| Return on assets (ROA) | 0.9367% | 2,748 |
| Pretax return on assets | 1.4262% | 1,861 |
| Return on Equity (ROE) | 6.5813% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.5813% | 2,206 |
| Net charge-offs to loans | 0.1893% | 4,280 |
| Credit loss provision to net charge-offs | 98.5099% | 3,469 |
| Earnings coverage of net charge-offs (x) | 14.0828% | 1,559 |
| Efficiency ratio | 50.9590% | 6,767 |
| Assets per employee ($millions) | 6.6880% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3334% | 7,271 |
| Loan loss allowance to noncurrent loans | 17.2335% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 4,108 |
| Noncurrent loans to loans | 1.9345% | 3,456 |
| Net loans and leases to total assets | 56.5275% | 4,756 |
| Net loans and leases to deposits | 66.7011% | 4,800 |
| Net loans and leases to core deposits | 69.7667% | 4,976 |
| Total domestic deposits to total assets | 84.7475% | 3,890 |
| Equity capital to assets | 14.5901% | 960 |
| Core capital (leverage) ratio | 13.7914% | 956 |
| Tier 1 risk-based capital ratio | 25.1888% | 897 |
| Total risk-based capital ratio | 25.5404% | 966 |
| Memoranda: | ||
| Average total assets | $739,590,250 | 896 |
| Average earning assets | $696,702,750 | 868 |
| Average equity | $105,265,250 | 659 |
| Average total loans | $425,443,000 | 991 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 5,064 |
| Cost of funding earning assets | 1.4441% | 1,214 |
| Net interest margin | 3.1332% | 6,326 |
| Noninterest income to average assets | 0.2721% | 5,695 |
| Noninterest expense to average assets | 1.6404% | 7,230 |
| Loan and lease loss provision to assets | 0.0242% | 5,991 |
| Net operating income to assets | 1.0136% | 2,173 |
| Return on assets (ROA) | 1.0136% | 2,269 |
| Pretax return on assets | 1.5603% | 1,355 |
| Return on Equity (ROE) | 7.1835% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.1835% | 1,793 |
| Net charge-offs to loans | 0.0613% | 5,039 |
| Credit loss provision to net charge-offs | 68.4615% | 4,093 |
| Earnings coverage of net charge-offs (x) | 44.7462% | 683 |
| Efficiency ratio | 49.6579% | 6,963 |
| Assets per employee ($millions) | 6.7189% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3302% | 7,331 |
| Loan loss allowance to noncurrent loans | 16.6389% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 4,025 |
| Noncurrent loans to loans | 1.9844% | 3,507 |
| Net loans and leases to total assets | 56.5434% | 4,893 |
| Net loans and leases to deposits | 66.4011% | 4,939 |
| Net loans and leases to core deposits | 69.3858% | 5,140 |
| Total domestic deposits to total assets | 85.1543% | 3,808 |
| Equity capital to assets | 14.3366% | 987 |
| Core capital (leverage) ratio | 13.7118% | 941 |
| Tier 1 risk-based capital ratio | 25.7228% | 833 |
| Total risk-based capital ratio | 26.0795% | 902 |
| Memoranda: | ||
| Average total assets | $734,204,670 | 907 |
| Average earning assets | $691,938,670 | 878 |
| Average equity | $103,599,000 | 669 |
| Average total loans | $424,379,330 | 1,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 5,181 |
| Cost of funding earning assets | 1.4659% | 1,310 |
| Net interest margin | 3.0816% | 6,395 |
| Noninterest income to average assets | 0.2581% | 5,832 |
| Noninterest expense to average assets | 1.6612% | 7,259 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9758% | 2,260 |
| Return on assets (ROA) | 0.9758% | 2,321 |
| Pretax return on assets | 1.5014% | 1,443 |
| Return on Equity (ROE) | 6.9729% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.9729% | 2,158 |
| Net charge-offs to loans | 0.0207% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 124.2727% | 258 |
| Efficiency ratio | 51.2763% | 6,902 |
| Assets per employee ($millions) | 6.7783% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3331% | 7,386 |
| Loan loss allowance to noncurrent loans | 16.0036% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 4,181 |
| Noncurrent loans to loans | 2.0815% | 3,466 |
| Net loans and leases to total assets | 57.3407% | 4,743 |
| Net loans and leases to deposits | 66.9102% | 4,842 |
| Net loans and leases to core deposits | 69.8908% | 5,057 |
| Total domestic deposits to total assets | 85.6979% | 3,692 |
| Equity capital to assets | 13.9396% | 1,021 |
| Core capital (leverage) ratio | 13.6604% | 922 |
| Tier 1 risk-based capital ratio | 25.9081% | 799 |
| Total risk-based capital ratio | 26.2792% | 856 |
| Memoranda: | ||
| Average total assets | $728,407,000 | 917 |
| Average earning assets | $686,521,000 | 890 |
| Average equity | $101,937,500 | 671 |
| Average total loans | $425,020,000 | 1,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 4,896 |
| Cost of funding earning assets | 1.6577% | 1,789 |
| Net interest margin | 3.2685% | 6,076 |
| Noninterest income to average assets | 0.4071% | 4,852 |
| Noninterest expense to average assets | 1.8153% | 7,248 |
| Loan and lease loss provision to assets | 0.0786% | 6,372 |
| Net operating income to assets | 1.0508% | 1,872 |
| Return on assets (ROA) | 1.0508% | 1,967 |
| Pretax return on assets | 1.5811% | 1,175 |
| Return on Equity (ROE) | 7.2872% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.2872% | 1,210 |
| Net charge-offs to loans | 0.0217% | 6,594 |
| Credit loss provision to net charge-offs | 581.5217% | 379 |
| Earnings coverage of net charge-offs (x) | 122.8370% | 208 |
| Efficiency ratio | 50.9382% | 7,063 |
| Assets per employee ($millions) | 6.7734% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 7,464 |
| Loan loss allowance to noncurrent loans | 15.8965% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 4,183 |
| Noncurrent loans to loans | 2.1286% | 3,403 |
| Net loans and leases to total assets | 58.9896% | 4,848 |
| Net loans and leases to deposits | 68.9808% | 4,963 |
| Net loans and leases to core deposits | 72.2303% | 5,184 |
| Total domestic deposits to total assets | 85.5160% | 3,591 |
| Equity capital to assets | 14.0511% | 1,020 |
| Core capital (leverage) ratio | 13.7000% | 929 |
| Tier 1 risk-based capital ratio | 25.5104% | 801 |
| Total risk-based capital ratio | 25.8885% | 863 |
| Memoranda: | ||
| Average total assets | $680,930,400 | 971 |
| Average earning assets | $639,140,200 | 946 |
| Average equity | $98,185,800 | 685 |
| Average total loans | $424,567,600 | 1,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 4,748 |
| Cost of funding earning assets | 1.6917% | 1,917 |
| Net interest margin | 3.3217% | 5,949 |
| Noninterest income to average assets | 0.4135% | 4,850 |
| Noninterest expense to average assets | 1.7026% | 7,435 |
| Loan and lease loss provision to assets | 0.0871% | 6,175 |
| Net operating income to assets | 1.1430% | 1,752 |
| Return on assets (ROA) | 1.1430% | 1,861 |
| Pretax return on assets | 1.7387% | 1,032 |
| Return on Equity (ROE) | 7.8731% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.8731% | 1,461 |
| Net charge-offs to loans | 0.0261% | 6,305 |
| Credit loss provision to net charge-offs | 528.9157% | 549 |
| Earnings coverage of net charge-offs (x) | 110.8232% | 288 |
| Efficiency ratio | 46.9086% | 7,341 |
| Assets per employee ($millions) | 6.3868% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 7,585 |
| Loan loss allowance to noncurrent loans | 15.9749% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 4,397 |
| Noncurrent loans to loans | 1.9878% | 3,698 |
| Net loans and leases to total assets | 60.3648% | 4,835 |
| Net loans and leases to deposits | 70.9785% | 4,999 |
| Net loans and leases to core deposits | 74.4533% | 5,238 |
| Total domestic deposits to total assets | 85.0465% | 3,596 |
| Equity capital to assets | 14.4345% | 1,037 |
| Core capital (leverage) ratio | 13.9648% | 928 |
| Tier 1 risk-based capital ratio | 25.4017% | 830 |
| Total risk-based capital ratio | 25.7608% | 875 |
| Memoranda: | ||
| Average total assets | $671,668,750 | 995 |
| Average earning assets | $629,871,000 | 965 |
| Average equity | $97,511,250 | 689 |
| Average total loans | $424,467,000 | 1,063 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 4,448 |
| Cost of funding earning assets | 1.7447% | 1,896 |
| Net interest margin | 3.3565% | 5,813 |
| Noninterest income to average assets | 0.3910% | 4,983 |
| Noninterest expense to average assets | 1.7539% | 7,448 |
| Loan and lease loss provision to assets | 0.1086% | 5,826 |
| Net operating income to assets | 1.1080% | 1,825 |
| Return on assets (ROA) | 1.1080% | 1,896 |
| Pretax return on assets | 1.6747% | 1,105 |
| Return on Equity (ROE) | 7.6165% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.6165% | 1,591 |
| Net charge-offs to loans | 0.0203% | 6,058 |
| Credit loss provision to net charge-offs | 834.8837% | 448 |
| Earnings coverage of net charge-offs (x) | 137.1395% | 248 |
| Efficiency ratio | 48.2260% | 7,335 |
| Assets per employee ($millions) | 6.1679% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3074% | 7,661 |
| Loan loss allowance to noncurrent loans | 16.3795% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 4,560 |
| Noncurrent loans to loans | 1.8767% | 3,898 |
| Net loans and leases to total assets | 63.2906% | 4,396 |
| Net loans and leases to deposits | 74.6589% | 4,578 |
| Net loans and leases to core deposits | 77.0475% | 5,075 |
| Total domestic deposits to total assets | 84.7729% | 3,740 |
| Equity capital to assets | 14.7373% | 943 |
| Core capital (leverage) ratio | 14.1283% | 901 |
| Tier 1 risk-based capital ratio | 25.5678% | 805 |
| Total risk-based capital ratio | 25.9269% | 858 |
| Memoranda: | ||
| Average total assets | $661,377,000 | 1,025 |
| Average earning assets | $619,935,670 | 991 |
| Average equity | $96,212,000 | 686 |
| Average total loans | $424,142,670 | 1,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 4,494 |
| Cost of funding earning assets | 1.8326% | 1,732 |
| Net interest margin | 3.2754% | 6,059 |
| Noninterest income to average assets | 0.3555% | 5,292 |
| Noninterest expense to average assets | 1.6600% | 7,609 |
| Loan and lease loss provision to assets | 0.0482% | 6,181 |
| Net operating income to assets | 1.1160% | 1,778 |
| Return on assets (ROA) | 1.1160% | 1,861 |
| Pretax return on assets | 1.7167% | 1,025 |
| Return on Equity (ROE) | 7.7232% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.7232% | 1,827 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0442% | 7,498 |
| Assets per employee ($millions) | 5.7440% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2540% | 7,787 |
| Loan loss allowance to noncurrent loans | 14.5904% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,664 |
| Noncurrent loans to loans | 1.7409% | 4,139 |
| Net loans and leases to total assets | 63.8468% | 4,365 |
| Net loans and leases to deposits | 75.0948% | 4,561 |
| Net loans and leases to core deposits | 77.0609% | 5,129 |
| Total domestic deposits to total assets | 85.0216% | 3,669 |
| Equity capital to assets | 14.5385% | 989 |
| Core capital (leverage) ratio | 14.1172% | 932 |
| Tier 1 risk-based capital ratio | 25.9274% | 779 |
| Total risk-based capital ratio | 26.2318% | 846 |
| Memoranda: | ||
| Average total assets | $655,917,500 | 1,053 |
| Average earning assets | $614,637,000 | 1,022 |
| Average equity | $94,779,000 | 700 |
| Average total loans | $422,808,000 | 1,111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 5,102 |
| Cost of funding earning assets | 2.2672% | 1,782 |
| Net interest margin | 3.0481% | 6,521 |
| Noninterest income to average assets | 0.2079% | 6,616 |
| Noninterest expense to average assets | 1.7490% | 7,658 |
| Loan and lease loss provision to assets | 0.0753% | 6,837 |
| Net operating income to assets | 0.8351% | 2,402 |
| Return on assets (ROA) | 0.8351% | 2,485 |
| Pretax return on assets | 1.2525% | 1,822 |
| Return on Equity (ROE) | 5.3260% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.3260% | 1,663 |
| Net charge-offs to loans | 0.0316% | 6,809 |
| Credit loss provision to net charge-offs | 352.4194% | 919 |
| Earnings coverage of net charge-offs (x) | 62.1774% | 438 |
| Efficiency ratio | 56.8454% | 6,907 |
| Assets per employee ($millions) | 6.2623% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2353% | 7,864 |
| Loan loss allowance to noncurrent loans | 15.4479% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,907 |
| Noncurrent loans to loans | 1.5234% | 4,363 |
| Net loans and leases to total assets | 64.7654% | 4,429 |
| Net loans and leases to deposits | 75.9779% | 4,748 |
| Net loans and leases to core deposits | 88.9060% | 5,236 |
| Total domestic deposits to total assets | 85.2424% | 3,437 |
| Equity capital to assets | 14.3599% | 1,057 |
| Core capital (leverage) ratio | 13.8865% | 1,005 |
| Tier 1 risk-based capital ratio | 25.3555% | 813 |
| Total risk-based capital ratio | 25.6371% | 891 |
| Memoranda: | ||
| Average total assets | $580,659,600 | 1,188 |
| Average earning assets | $546,543,600 | 1,153 |
| Average equity | $91,044,600 | 713 |
| Average total loans | $391,799,800 | 1,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 5,277 |
| Cost of funding earning assets | 2.3286% | 1,880 |
| Net interest margin | 3.0012% | 6,610 |
| Noninterest income to average assets | 0.1774% | 6,947 |
| Noninterest expense to average assets | 1.6423% | 7,804 |
| Loan and lease loss provision to assets | 0.0677% | 6,690 |
| Net operating income to assets | 0.8393% | 2,657 |
| Return on assets (ROA) | 0.8393% | 2,720 |
| Pretax return on assets | 1.2961% | 1,960 |
| Return on Equity (ROE) | 5.2256% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.2256% | 2,359 |
| Net charge-offs to loans | 0.0215% | 6,596 |
| Credit loss provision to net charge-offs | 461.2903% | 851 |
| Earnings coverage of net charge-offs (x) | 92.8922% | 381 |
| Efficiency ratio | 54.6321% | 7,168 |
| Assets per employee ($millions) | 6.4183% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2163% | 7,966 |
| Loan loss allowance to noncurrent loans | 17.5854% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,302 |
| Noncurrent loans to loans | 1.2302% | 4,896 |
| Net loans and leases to total assets | 64.4642% | 4,762 |
| Net loans and leases to deposits | 75.6797% | 5,098 |
| Net loans and leases to core deposits | 88.7200% | 5,559 |
| Total domestic deposits to total assets | 85.1804% | 3,136 |
| Equity capital to assets | 14.3106% | 1,201 |
| Core capital (leverage) ratio | 15.3013% | 804 |
| Tier 1 risk-based capital ratio | 24.6704% | 930 |
| Total risk-based capital ratio | 24.9240% | 1,012 |
| Memoranda: | ||
| Average total assets | $563,005,250 | 1,241 |
| Average earning assets | $530,664,500 | 1,207 |
| Average equity | $90,425,000 | 721 |
| Average total loans | $384,050,500 | 1,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 4,349 |
| Cost of funding earning assets | 2.4540% | 1,767 |
| Net interest margin | 3.0932% | 6,267 |
| Noninterest income to average assets | 0.1923% | 6,917 |
| Noninterest expense to average assets | 1.6035% | 7,906 |
| Loan and lease loss provision to assets | 0.0557% | 6,665 |
| Net operating income to assets | 0.9387% | 2,318 |
| Return on assets (ROA) | 0.9387% | 2,410 |
| Pretax return on assets | 1.4497% | 1,590 |
| Return on Equity (ROE) | 5.5977% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.5977% | 2,201 |
| Net charge-offs to loans | 0.0209% | 6,215 |
| Credit loss provision to net charge-offs | 382.0513% | 1,215 |
| Earnings coverage of net charge-offs (x) | 103.1795% | 373 |
| Efficiency ratio | 51.5764% | 7,551 |
| Assets per employee ($millions) | 6.6295% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2096% | 8,060 |
| Loan loss allowance to noncurrent loans | 14.2472% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 4,579 |
| Noncurrent loans to loans | 1.4713% | 4,288 |
| Net loans and leases to total assets | 69.3556% | 3,860 |
| Net loans and leases to deposits | 83.6412% | 3,948 |
| Net loans and leases to core deposits | 98.0756% | 4,693 |
| Total domestic deposits to total assets | 82.9203% | 4,279 |
| Equity capital to assets | 16.7390% | 703 |
| Core capital (leverage) ratio | 16.9824% | 617 |
| Tier 1 risk-based capital ratio | 30.5166% | 573 |
| Total risk-based capital ratio | 30.7808% | 618 |
| Memoranda: | ||
| Average total assets | $534,591,000 | 1,314 |
| Average earning assets | $504,072,670 | 1,275 |
| Average equity | $89,644,000 | 733 |
| Average total loans | $372,469,330 | 1,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 4,314 |
| Cost of funding earning assets | 2.5032% | 1,906 |
| Net interest margin | 3.1034% | 6,187 |
| Noninterest income to average assets | 0.1615% | 7,152 |
| Noninterest expense to average assets | 1.4904% | 7,995 |
| Loan and lease loss provision to assets | 0.0649% | 6,138 |
| Net operating income to assets | 0.9923% | 2,343 |
| Return on assets (ROA) | 0.9923% | 2,480 |
| Pretax return on assets | 1.5326% | 1,581 |
| Return on Equity (ROE) | 5.9123% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,670 |
| Net charge-offs to loans | 0.0238% | 5,218 |
| Credit loss provision to net charge-offs | 390.9091% | 1,321 |
| Earnings coverage of net charge-offs (x) | 96.2273% | 442 |
| Efficiency ratio | 48.2649% | 7,714 |
| Assets per employee ($millions) | 6.7715% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2016% | 8,105 |
| Loan loss allowance to noncurrent loans | 14.3904% | 7,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 4,384 |
| Noncurrent loans to loans | 1.4010% | 4,213 |
| Net loans and leases to total assets | 69.0306% | 3,907 |
| Net loans and leases to deposits | 83.2486% | 4,100 |
| Net loans and leases to core deposits | 96.9865% | 4,847 |
| Total domestic deposits to total assets | 82.9210% | 4,182 |
| Equity capital to assets | 16.7141% | 763 |
| Core capital (leverage) ratio | 17.0687% | 642 |
| Tier 1 risk-based capital ratio | 29.8875% | 623 |
| Total risk-based capital ratio | 30.1345% | 679 |
| Memoranda: | ||
| Average total assets | $530,075,000 | 1,332 |
| Average earning assets | $499,835,500 | 1,293 |
| Average equity | $88,967,500 | 744 |
| Average total loans | $369,791,500 | 1,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 6,506 |
| Cost of funding earning assets | 3.0664% | 1,616 |
| Net interest margin | 2.7124% | 7,479 |
| Noninterest income to average assets | 0.1437% | 7,384 |
| Noninterest expense to average assets | 1.4379% | 8,055 |
| Loan and lease loss provision to assets | 0.0445% | 6,856 |
| Net operating income to assets | 0.7968% | 3,448 |
| Return on assets (ROA) | 0.7712% | 3,407 |
| Pretax return on assets | 1.1913% | 2,673 |
| Return on Equity (ROE) | 4.5014% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.5014% | 2,326 |
| Net charge-offs to loans | 0.0148% | 6,685 |
| Credit loss provision to net charge-offs | 432.6923% | 1,008 |
| Earnings coverage of net charge-offs (x) | 123.8846% | 362 |
| Efficiency ratio | 52.9987% | 7,381 |
| Assets per employee ($millions) | 6.9106% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1845% | 8,173 |
| Loan loss allowance to noncurrent loans | 14.5664% | 7,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 4,230 |
| Noncurrent loans to loans | 1.2669% | 3,976 |
| Net loans and leases to total assets | 70.2352% | 3,967 |
| Net loans and leases to deposits | 84.8444% | 4,281 |
| Net loans and leases to core deposits | 98.3864% | 5,003 |
| Total domestic deposits to total assets | 82.7812% | 3,865 |
| Equity capital to assets | 16.8551% | 792 |
| Core capital (leverage) ratio | 17.1244% | 685 |
| Tier 1 risk-based capital ratio | 30.4595% | 616 |
| Total risk-based capital ratio | 30.6930% | 656 |
| Memoranda: | ||
| Average total assets | $505,168,800 | 1,334 |
| Average earning assets | $478,546,600 | 1,292 |
| Average equity | $86,551,600 | 769 |
| Average total loans | $351,342,600 | 1,380 |