Home > Martha's Vineyard Bank > Performance and Condition Ratios
Martha's Vineyard 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 | 4.1696% | 3,682 |
| Cost of funding earning assets | 1.4395% | 2,108 |
| Net interest margin | 2.7301% | 3,774 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1177% | 3,362 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6596% | 3,294 |
| Return on assets (ROA) | 0.6596% | 3,271 |
| Pretax return on assets | 0.8862% | 2,999 |
| Return on Equity (ROE) | 6.9800% | 3,291 |
| Retained earnings to average equity (ytd only) | 5.7844% | 2,326 |
| Net charge-offs to loans | 0.0002% | 2,910 |
| Credit loss provision to net charge-offs | 12,100.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 5,941.5000% | 13 |
| Efficiency ratio | 70.1891% | 1,851 |
| Assets per employee ($millions) | 12.2176% | 394 |
| Cash dividends to net income (ytd only)* | 17.1743% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 4,012 |
| Loan loss allowance to noncurrent loans | 5,361.1765% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,677 |
| Noncurrent loans to loans | 0.0145% | 3,644 |
| Net loans and leases to total assets | 87.3100% | 108 |
| Net loans and leases to deposits | 109.7741% | 204 |
| Net loans and leases to core deposits | 131.8641% | 378 |
| Total domestic deposits to total assets | 79.5400% | 3,529 |
| Equity capital to assets | 9.7083% | 2,194 |
| Core capital (leverage) ratio | 10.7189% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,324,147,600 | 792 |
| Average earning assets | $1,248,154,600 | 767 |
| Average equity | $125,060,000 | 791 |
| Average total loans | $1,168,351,200 | 647 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,599 |
| Cost of funding earning assets | 1.3395% | 2,030 |
| Net interest margin | 2.7915% | 3,734 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.0541% | 3,457 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7512% | 3,170 |
| Return on assets (ROA) | 0.7512% | 3,158 |
| Pretax return on assets | 1.0109% | 2,822 |
| Return on Equity (ROE) | 8.0100% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.9351% | 2,310 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7410% | 2,187 |
| Assets per employee ($millions) | 12.6280% | 324 |
| Cash dividends to net income (ytd only)* | 13.4228% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 4,024 |
| Loan loss allowance to noncurrent loans | 2,124.9417% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,477 |
| Noncurrent loans to loans | 0.0367% | 3,503 |
| Net loans and leases to total assets | 87.5700% | 95 |
| Net loans and leases to deposits | 108.6001% | 234 |
| Net loans and leases to core deposits | 121.4968% | 513 |
| Total domestic deposits to total assets | 80.6400% | 3,440 |
| Equity capital to assets | 9.3944% | 2,162 |
| Core capital (leverage) ratio | 10.6269% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,322,255,250 | 791 |
| Average earning assets | $1,247,032,500 | 768 |
| Average equity | $124,003,250 | 793 |
| Average total loans | $1,167,469,000 | 648 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 3,530 |
| Cost of funding earning assets | 1.2864% | 1,749 |
| Net interest margin | 2.7930% | 3,831 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.9792% | 3,639 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7511% | 3,213 |
| Return on assets (ROA) | 0.7511% | 3,230 |
| Pretax return on assets | 1.0106% | 2,881 |
| Return on Equity (ROE) | 8.0100% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.3982% | 2,477 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8317% | 2,395 |
| Assets per employee ($millions) | 13.4029% | 269 |
| Cash dividends to net income (ytd only)* | 20.1572% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,052 |
| Loan loss allowance to noncurrent loans | 2,144.9074% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,460 |
| Noncurrent loans to loans | 0.0367% | 3,472 |
| Net loans and leases to total assets | 87.0600% | 115 |
| Net loans and leases to deposits | 107.2750% | 268 |
| Net loans and leases to core deposits | 127.6896% | 360 |
| Total domestic deposits to total assets | 81.1600% | 3,400 |
| Equity capital to assets | 9.3301% | 2,288 |
| Core capital (leverage) ratio | 10.4892% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,321,027,333 | 782 |
| Average earning assets | $1,247,526,333 | 758 |
| Average equity | $123,816,333 | 787 |
| Average total loans | $1,166,531,333 | 632 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,455 |
| Cost of funding earning assets | 1.0885% | 1,784 |
| Net interest margin | 2.9103% | 3,777 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.9780% | 3,671 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8687% | 2,962 |
| Return on assets (ROA) | 0.8687% | 2,914 |
| Pretax return on assets | 1.1728% | 2,506 |
| Return on Equity (ROE) | 9.2500% | 2,984 |
| Retained earnings to average equity (ytd only) | 9.2468% | 1,875 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1785% | 2,664 |
| Assets per employee ($millions) | 13.4187% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 4,141 |
| Loan loss allowance to noncurrent loans | 2,037.2727% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,445 |
| Noncurrent loans to loans | 0.0377% | 3,478 |
| Net loans and leases to total assets | 88.0000% | 73 |
| Net loans and leases to deposits | 103.9902% | 300 |
| Net loans and leases to core deposits | 125.6389% | 335 |
| Total domestic deposits to total assets | 84.6300% | 2,946 |
| Equity capital to assets | 9.4979% | 2,146 |
| Core capital (leverage) ratio | 10.5442% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,311,395,500 | 803 |
| Average earning assets | $1,240,984,500 | 777 |
| Average equity | $123,199,000 | 801 |
| Average total loans | $1,161,711,500 | 640 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 2,463 |
| Cost of funding earning assets | 0.2627% | 3,221 |
| Net interest margin | 3.4647% | 2,053 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1920% | 3,052 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0274% | 2,470 |
| Return on assets (ROA) | 1.0274% | 2,411 |
| Pretax return on assets | 1.3970% | 1,777 |
| Return on Equity (ROE) | 10.6800% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7851% | 1,539 |
| Net charge-offs to loans | 0.0008% | 2,560 |
| Credit loss provision to net charge-offs | 9,755.5556% | 73 |
| Earnings coverage of net charge-offs (x) | 2,049.6667% | 84 |
| Efficiency ratio | 59.8557% | 3,081 |
| Assets per employee ($millions) | 12.8212% | 319 |
| Cash dividends to net income (ytd only)* | 17.7386% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,101 |
| Loan loss allowance to noncurrent loans | 1,994.1573% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,464 |
| Noncurrent loans to loans | 0.0385% | 3,501 |
| Net loans and leases to total assets | 87.8100% | 75 |
| Net loans and leases to deposits | 101.6116% | 381 |
| Net loans and leases to core deposits | 116.5319% | 437 |
| Total domestic deposits to total assets | 86.4200% | 2,597 |
| Equity capital to assets | 9.2905% | 2,163 |
| Core capital (leverage) ratio | 10.5574% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,257,595,600 | 815 |
| Average earning assets | $1,186,609,800 | 798 |
| Average equity | $120,988,400 | 808 |
| Average total loans | $1,090,224,600 | 635 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 2,170 |
| Cost of funding earning assets | 0.1910% | 3,384 |
| Net interest margin | 3.4676% | 1,755 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.0970% | 3,215 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1030% | 2,075 |
| Return on assets (ROA) | 1.1030% | 2,046 |
| Pretax return on assets | 1.4997% | 1,407 |
| Return on Equity (ROE) | 11.3600% | 2,248 |
| Retained earnings to average equity (ytd only) | 11.2611% | 983 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0832% | 3,503 |
| Assets per employee ($millions) | 12.6363% | 334 |
| Cash dividends to net income (ytd only)* | 0.8932% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 4,141 |
| Loan loss allowance to noncurrent loans | 1,926.8293% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,562 |
| Noncurrent loans to loans | 0.0402% | 3,600 |
| Net loans and leases to total assets | 86.4500% | 99 |
| Net loans and leases to deposits | 98.7658% | 416 |
| Net loans and leases to core deposits | 105.0805% | 612 |
| Total domestic deposits to total assets | 87.5300% | 2,585 |
| Equity capital to assets | 9.3433% | 1,987 |
| Core capital (leverage) ratio | 10.7402% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,245,055,000 | 829 |
| Average earning assets | $1,174,053,000 | 811 |
| Average equity | $120,861,250 | 825 |
| Average total loans | $1,073,479,500 | 641 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 1,744 |
| Cost of funding earning assets | 0.1801% | 3,181 |
| Net interest margin | 3.4527% | 1,444 |
| Noninterest income to average assets | 0.3914% | 2,811 |
| Noninterest expense to average assets | 2.0784% | 3,211 |
| Loan and lease loss provision to assets | 0.0756% | 1,277 |
| Net operating income to assets | 1.0970% | 1,779 |
| Return on assets (ROA) | 1.0970% | 1,758 |
| Pretax return on assets | 1.4943% | 1,183 |
| Return on Equity (ROE) | 11.1548% | 1,933 |
| Retained earnings to average equity (ytd only) | 11.1548% | 760 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9169% | 3,688 |
| Assets per employee ($millions) | 12.3318% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 4,204 |
| Loan loss allowance to noncurrent loans | 3,125.4613% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,787 |
| Noncurrent loans to loans | 0.0250% | 3,772 |
| Net loans and leases to total assets | 85.6630% | 100 |
| Net loans and leases to deposits | 98.1842% | 338 |
| Net loans and leases to core deposits | 107.1715% | 414 |
| Total domestic deposits to total assets | 87.2472% | 2,853 |
| Equity capital to assets | 9.6172% | 1,927 |
| Core capital (leverage) ratio | 10.5897% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,230,440,667 | 831 |
| Average earning assets | $1,160,663,667 | 822 |
| Average equity | $121,006,333 | 838 |
| Average total loans | $1,056,982,000 | 633 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 1,594 |
| Cost of funding earning assets | 0.1528% | 3,471 |
| Net interest margin | 3.4163% | 1,267 |
| Noninterest income to average assets | 0.4343% | 2,472 |
| Noninterest expense to average assets | 2.0862% | 3,194 |
| Loan and lease loss provision to assets | 0.1529% | 514 |
| Net operating income to assets | 1.0326% | 1,749 |
| Return on assets (ROA) | 1.0326% | 1,739 |
| Pretax return on assets | 1.4136% | 1,216 |
| Return on Equity (ROE) | 10.3814% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.3814% | 935 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0606% | 3,777 |
| Assets per employee ($millions) | 12.2365% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 4,250 |
| Loan loss allowance to noncurrent loans | 2,399.4334% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,758 |
| Noncurrent loans to loans | 0.0332% | 3,745 |
| Net loans and leases to total assets | 85.3336% | 62 |
| Net loans and leases to deposits | 98.0210% | 229 |
| Net loans and leases to core deposits | 106.2042% | 347 |
| Total domestic deposits to total assets | 87.0565% | 2,903 |
| Equity capital to assets | 9.7660% | 2,079 |
| Core capital (leverage) ratio | 10.6735% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,216,738,000 | 850 |
| Average earning assets | $1,146,285,000 | 835 |
| Average equity | $121,024,500 | 853 |
| Average total loans | $1,042,483,500 | 634 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 2,206 |
| Cost of funding earning assets | 0.2030% | 3,430 |
| Net interest margin | 3.4616% | 1,847 |
| Noninterest income to average assets | 0.4664% | 2,745 |
| Noninterest expense to average assets | 2.1607% | 3,200 |
| Loan and lease loss provision to assets | 0.1335% | 914 |
| Net operating income to assets | 1.0281% | 2,567 |
| Return on assets (ROA) | 1.0301% | 2,630 |
| Pretax return on assets | 1.4452% | 1,896 |
| Return on Equity (ROE) | 9.8854% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.0291% | 1,530 |
| Net charge-offs to loans | 0.0035% | 2,488 |
| Credit loss provision to net charge-offs | 4,600.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 543.2727% | 258 |
| Efficiency ratio | 57.7616% | 3,478 |
| Assets per employee ($millions) | 11.6270% | 433 |
| Cash dividends to net income (ytd only)* | 18.7777% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,292 |
| Loan loss allowance to noncurrent loans | 2,818.6620% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,889 |
| Noncurrent loans to loans | 0.0278% | 3,875 |
| Net loans and leases to total assets | 84.6589% | 90 |
| Net loans and leases to deposits | 97.7061% | 260 |
| Net loans and leases to core deposits | 101.6553% | 466 |
| Total domestic deposits to total assets | 86.6465% | 2,646 |
| Equity capital to assets | 10.1331% | 2,534 |
| Core capital (leverage) ratio | 10.6518% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,137,399,000 | 872 |
| Average earning assets | $1,074,618,800 | 853 |
| Average equity | $118,518,200 | 874 |
| Average total loans | $947,998,000 | 690 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 2,471 |
| Cost of funding earning assets | 0.2152% | 3,465 |
| Net interest margin | 3.4159% | 2,109 |
| Noninterest income to average assets | 0.4900% | 2,667 |
| Noninterest expense to average assets | 2.1960% | 3,080 |
| Loan and lease loss provision to assets | 0.1218% | 965 |
| Net operating income to assets | 1.0322% | 2,797 |
| Return on assets (ROA) | 1.0348% | 2,853 |
| Pretax return on assets | 1.3995% | 2,332 |
| Return on Equity (ROE) | 9.8586% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.8586% | 1,368 |
| Net charge-offs to loans | 0.0029% | 2,253 |
| Credit loss provision to net charge-offs | 5,125.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 638.9000% | 246 |
| Efficiency ratio | 59.0679% | 3,116 |
| Assets per employee ($millions) | 11.8084% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,397 |
| Loan loss allowance to noncurrent loans | 1,438.8145% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,862 |
| Noncurrent loans to loans | 0.0535% | 3,842 |
| Net loans and leases to total assets | 80.4671% | 265 |
| Net loans and leases to deposits | 94.1282% | 411 |
| Net loans and leases to core deposits | 97.2142% | 688 |
| Total domestic deposits to total assets | 85.4867% | 2,952 |
| Equity capital to assets | 10.0301% | 2,871 |
| Core capital (leverage) ratio | 10.7161% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,122,352,500 | 887 |
| Average earning assets | $1,059,299,000 | 870 |
| Average equity | $117,809,750 | 890 |
| Average total loans | $929,530,750 | 718 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 2,399 |
| Cost of funding earning assets | 0.2275% | 3,490 |
| Net interest margin | 3.4503% | 2,006 |
| Noninterest income to average assets | 0.5328% | 2,476 |
| Noninterest expense to average assets | 2.2132% | 3,042 |
| Loan and lease loss provision to assets | 0.0776% | 1,547 |
| Net operating income to assets | 1.1041% | 2,533 |
| Return on assets (ROA) | 1.1069% | 2,586 |
| Pretax return on assets | 1.4979% | 2,021 |
| Return on Equity (ROE) | 10.3758% | 2,624 |
| Retained earnings to average equity (ytd only) | 10.3758% | 1,292 |
| Net charge-offs to loans | 0.0366% | 1,270 |
| Credit loss provision to net charge-offs | 254.4910% | 956 |
| Earnings coverage of net charge-offs (x) | 51.5389% | 1,051 |
| Efficiency ratio | 58.4105% | 3,230 |
| Assets per employee ($millions) | 11.3147% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 4,516 |
| Loan loss allowance to noncurrent loans | 998.2327% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,835 |
| Noncurrent loans to loans | 0.0714% | 3,831 |
| Net loans and leases to total assets | 82.5976% | 192 |
| Net loans and leases to deposits | 99.3978% | 273 |
| Net loans and leases to core deposits | 103.1757% | 557 |
| Total domestic deposits to total assets | 83.0980% | 3,684 |
| Equity capital to assets | 10.4236% | 2,463 |
| Core capital (leverage) ratio | 11.0383% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,094,983,667 | 897 |
| Average earning assets | $1,032,202,667 | 882 |
| Average equity | $116,810,000 | 888 |
| Average total loans | $913,801,667 | 734 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 2,445 |
| Cost of funding earning assets | 0.2320% | 3,627 |
| Net interest margin | 3.4364% | 1,999 |
| Noninterest income to average assets | 0.4403% | 2,871 |
| Noninterest expense to average assets | 2.2669% | 2,888 |
| Loan and lease loss provision to assets | 0.0467% | 2,147 |
| Net operating income to assets | 1.0128% | 2,775 |
| Return on assets (ROA) | 1.0184% | 2,837 |
| Pretax return on assets | 1.3754% | 2,349 |
| Return on Equity (ROE) | 9.4315% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.4315% | 1,818 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5073% | 2,838 |
| Assets per employee ($millions) | 10.9451% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,548 |
| Loan loss allowance to noncurrent loans | 752.5481% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,811 |
| Noncurrent loans to loans | 0.0952% | 3,827 |
| Net loans and leases to total assets | 83.2718% | 174 |
| Net loans and leases to deposits | 101.5978% | 247 |
| Net loans and leases to core deposits | 105.8113% | 522 |
| Total domestic deposits to total assets | 81.9622% | 3,899 |
| Equity capital to assets | 10.4306% | 2,334 |
| Core capital (leverage) ratio | 11.3748% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,071,081,500 | 905 |
| Average earning assets | $1,010,349,500 | 887 |
| Average equity | $115,655,000 | 889 |
| Average total loans | $895,356,000 | 738 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 2,990 |
| Cost of funding earning assets | 0.4345% | 3,381 |
| Net interest margin | 3.4780% | 2,538 |
| Noninterest income to average assets | 0.4104% | 3,043 |
| Noninterest expense to average assets | 2.4762% | 2,921 |
| Loan and lease loss provision to assets | 0.1475% | 2,530 |
| Net operating income to assets | 0.8013% | 3,086 |
| Return on assets (ROA) | 0.8127% | 3,162 |
| Pretax return on assets | 1.1089% | 2,658 |
| Return on Equity (ROE) | 6.8809% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.8809% | 1,435 |
| Net charge-offs to loans | 0.0641% | 1,861 |
| Credit loss provision to net charge-offs | 276.1341% | 1,817 |
| Earnings coverage of net charge-offs (x) | 23.2564% | 1,810 |
| Efficiency ratio | 66.5260% | 2,444 |
| Assets per employee ($millions) | 9.7803% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,503 |
| Loan loss allowance to noncurrent loans | 353.1961% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,387 |
| Noncurrent loans to loans | 0.2138% | 3,435 |
| Net loans and leases to total assets | 82.6670% | 250 |
| Net loans and leases to deposits | 99.7358% | 384 |
| Net loans and leases to core deposits | 103.8143% | 734 |
| Total domestic deposits to total assets | 82.8859% | 3,443 |
| Equity capital to assets | 11.1897% | 2,108 |
| Core capital (leverage) ratio | 11.3601% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $949,371,400 | 927 |
| Average earning assets | $902,902,000 | 895 |
| Average equity | $112,136,800 | 874 |
| Average total loans | $790,878,600 | 794 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 3,237 |
| Cost of funding earning assets | 0.4830% | 3,341 |
| Net interest margin | 3.4214% | 2,849 |
| Noninterest income to average assets | 0.4228% | 2,972 |
| Noninterest expense to average assets | 2.3619% | 3,248 |
| Loan and lease loss provision to assets | 0.1725% | 2,258 |
| Net operating income to assets | 0.8451% | 2,926 |
| Return on assets (ROA) | 0.8606% | 2,996 |
| Pretax return on assets | 1.1688% | 2,492 |
| Return on Equity (ROE) | 7.1804% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.1804% | 1,623 |
| Net charge-offs to loans | 0.0875% | 1,427 |
| Credit loss provision to net charge-offs | 236.6864% | 1,975 |
| Earnings coverage of net charge-offs (x) | 18.1341% | 1,973 |
| Efficiency ratio | 64.0468% | 2,724 |
| Assets per employee ($millions) | 9.9076% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,449 |
| Loan loss allowance to noncurrent loans | 265.5462% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 3,292 |
| Noncurrent loans to loans | 0.2874% | 3,250 |
| Net loans and leases to total assets | 79.7656% | 634 |
| Net loans and leases to deposits | 96.2223% | 744 |
| Net loans and leases to core deposits | 99.9567% | 1,168 |
| Total domestic deposits to total assets | 82.8972% | 3,170 |
| Equity capital to assets | 11.0989% | 2,324 |
| Core capital (leverage) ratio | 11.7336% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $927,537,000 | 933 |
| Average earning assets | $883,981,000 | 904 |
| Average equity | $111,169,750 | 876 |
| Average total loans | $772,714,250 | 800 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 3,263 |
| Cost of funding earning assets | 0.5551% | 3,210 |
| Net interest margin | 3.4677% | 2,895 |
| Noninterest income to average assets | 0.4131% | 3,002 |
| Noninterest expense to average assets | 2.4298% | 3,177 |
| Loan and lease loss provision to assets | 0.2239% | 1,866 |
| Net operating income to assets | 0.7807% | 3,106 |
| Return on assets (ROA) | 0.8049% | 3,148 |
| Pretax return on assets | 1.0882% | 2,747 |
| Return on Equity (ROE) | 6.5301% | 3,320 |
| Retained earnings to average equity (ytd only) | 6.5301% | 1,850 |
| Net charge-offs to loans | 0.1344% | 1,042 |
| Credit loss provision to net charge-offs | 197.2387% | 1,939 |
| Earnings coverage of net charge-offs (x) | 11.2880% | 2,101 |
| Efficiency ratio | 65.3997% | 2,602 |
| Assets per employee ($millions) | 8.8114% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,434 |
| Loan loss allowance to noncurrent loans | 463.2854% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,340 |
| Noncurrent loans to loans | 0.1643% | 3,794 |
| Net loans and leases to total assets | 82.3152% | 393 |
| Net loans and leases to deposits | 101.5640% | 464 |
| Net loans and leases to core deposits | 108.0751% | 813 |
| Total domestic deposits to total assets | 81.0477% | 3,591 |
| Equity capital to assets | 11.5508% | 1,937 |
| Core capital (leverage) ratio | 12.3560% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $893,253,000 | 946 |
| Average earning assets | $849,559,000 | 920 |
| Average equity | $110,105,667 | 878 |
| Average total loans | $754,213,667 | 803 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 3,197 |
| Cost of funding earning assets | 0.6648% | 3,087 |
| Net interest margin | 3.5383% | 2,856 |
| Noninterest income to average assets | 0.5379% | 2,346 |
| Noninterest expense to average assets | 2.4863% | 3,314 |
| Loan and lease loss provision to assets | 0.0935% | 2,512 |
| Net operating income to assets | 0.9681% | 2,289 |
| Return on assets (ROA) | 0.9681% | 2,393 |
| Pretax return on assets | 1.3208% | 1,815 |
| Return on Equity (ROE) | 7.5838% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.5838% | 1,352 |
| Net charge-offs to loans | 0.2781% | 531 |
| Credit loss provision to net charge-offs | 39.4477% | 2,099 |
| Earnings coverage of net charge-offs (x) | 5.9645% | 2,013 |
| Efficiency ratio | 63.6691% | 3,288 |
| Assets per employee ($millions) | 8.0834% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,562 |
| Loan loss allowance to noncurrent loans | 397.0149% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 2,313 |
| Noncurrent loans to loans | 0.1838% | 3,817 |
| Net loans and leases to total assets | 83.6679% | 289 |
| Net loans and leases to deposits | 104.1332% | 362 |
| Net loans and leases to core deposits | 114.3885% | 650 |
| Total domestic deposits to total assets | 80.3471% | 3,791 |
| Equity capital to assets | 12.7430% | 1,594 |
| Core capital (leverage) ratio | 12.8632% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $855,250,500 | 953 |
| Average earning assets | $812,821,500 | 931 |
| Average equity | $109,180,000 | 879 |
| Average total loans | $729,337,000 | 814 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 3,263 |
| Cost of funding earning assets | 0.8143% | 2,615 |
| Net interest margin | 3.5835% | 3,191 |
| Noninterest income to average assets | 0.5490% | 2,486 |
| Noninterest expense to average assets | 2.6728% | 2,961 |
| Loan and lease loss provision to assets | 0.0345% | 3,322 |
| Net operating income to assets | 0.9057% | 3,189 |
| Return on assets (ROA) | 0.9057% | 3,278 |
| Pretax return on assets | 1.2431% | 2,692 |
| Return on Equity (ROE) | 7.3039% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3039% | 1,254 |
| Net charge-offs to loans | 0.0064% | 3,447 |
| Credit loss provision to net charge-offs | 630.4348% | 496 |
| Earnings coverage of net charge-offs (x) | 233.2174% | 355 |
| Efficiency ratio | 67.6404% | 2,513 |
| Assets per employee ($millions) | 7.9026% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,386 |
| Loan loss allowance to noncurrent loans | 112.9693% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 2,130 |
| Noncurrent loans to loans | 0.6826% | 2,181 |
| Net loans and leases to total assets | 85.6294% | 189 |
| Net loans and leases to deposits | 108.5078% | 217 |
| Net loans and leases to core deposits | 116.0771% | 594 |
| Total domestic deposits to total assets | 78.9154% | 4,201 |
| Equity capital to assets | 12.7893% | 1,648 |
| Core capital (leverage) ratio | 12.9985% | 1,236 |
| Tier 1 risk-based capital ratio | 19.3246% | 1,455 |
| Total risk-based capital ratio | 20.3326% | 1,470 |
| Memoranda: | ||
| Average total assets | $839,681,000 | 936 |
| Average earning assets | $797,022,600 | 911 |
| Average equity | $104,122,400 | 873 |
| Average total loans | $716,535,400 | 795 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 3,304 |
| Cost of funding earning assets | 0.8413% | 2,506 |
| Net interest margin | 3.5728% | 3,320 |
| Noninterest income to average assets | 0.5570% | 2,421 |
| Noninterest expense to average assets | 2.5067% | 3,418 |
| Loan and lease loss provision to assets | 0.0239% | 3,421 |
| Net operating income to assets | 1.0363% | 2,835 |
| Return on assets (ROA) | 1.0363% | 2,918 |
| Pretax return on assets | 1.4143% | 2,251 |
| Return on Equity (ROE) | 8.4239% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.4239% | 1,236 |
| Net charge-offs to loans | 0.0086% | 3,059 |
| Credit loss provision to net charge-offs | 326.0870% | 907 |
| Earnings coverage of net charge-offs (x) | 196.5493% | 443 |
| Efficiency ratio | 63.5444% | 3,086 |
| Assets per employee ($millions) | 7.7767% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 4,482 |
| Loan loss allowance to noncurrent loans | 118.1779% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,332 |
| Noncurrent loans to loans | 0.6547% | 2,321 |
| Net loans and leases to total assets | 84.5631% | 289 |
| Net loans and leases to deposits | 104.3444% | 393 |
| Net loans and leases to core deposits | 111.1492% | 890 |
| Total domestic deposits to total assets | 81.0423% | 3,744 |
| Equity capital to assets | 12.8986% | 1,687 |
| Core capital (leverage) ratio | 12.8671% | 1,395 |
| Tier 1 risk-based capital ratio | 19.4382% | 1,475 |
| Total risk-based capital ratio | 20.4359% | 1,492 |
| Memoranda: | ||
| Average total assets | $838,207,250 | 940 |
| Average earning assets | $794,801,500 | 909 |
| Average equity | $103,117,250 | 879 |
| Average total loans | $713,247,000 | 799 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 3,483 |
| Cost of funding earning assets | 0.8500% | 2,394 |
| Net interest margin | 3.5020% | 3,588 |
| Noninterest income to average assets | 0.6008% | 2,148 |
| Noninterest expense to average assets | 2.5252% | 3,403 |
| Loan and lease loss provision to assets | 0.0357% | 3,107 |
| Net operating income to assets | 0.9940% | 2,946 |
| Return on assets (ROA) | 0.9940% | 3,012 |
| Pretax return on assets | 1.3575% | 2,361 |
| Return on Equity (ROE) | 8.2113% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.2113% | 1,309 |
| Net charge-offs to loans | 0.0120% | 2,705 |
| Credit loss provision to net charge-offs | 348.8372% | 812 |
| Earnings coverage of net charge-offs (x) | 136.1163% | 539 |
| Efficiency ratio | 64.4454% | 3,065 |
| Assets per employee ($millions) | 7.3712% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,540 |
| Loan loss allowance to noncurrent loans | 72.0189% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 1,544 |
| Noncurrent loans to loans | 1.0715% | 1,529 |
| Net loans and leases to total assets | 83.2789% | 434 |
| Net loans and leases to deposits | 112.6516% | 172 |
| Net loans and leases to core deposits | 120.4392% | 531 |
| Total domestic deposits to total assets | 73.9261% | 4,836 |
| Equity capital to assets | 12.3464% | 1,942 |
| Core capital (leverage) ratio | 12.2326% | 1,682 |
| Tier 1 risk-based capital ratio | 18.8798% | 1,580 |
| Total risk-based capital ratio | 19.8711% | 1,600 |
| Memoranda: | ||
| Average total assets | $840,240,000 | 931 |
| Average earning assets | $796,004,330 | 908 |
| Average equity | $101,713,000 | 882 |
| Average total loans | $714,614,670 | 791 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 3,444 |
| Cost of funding earning assets | 0.7458% | 2,808 |
| Net interest margin | 3.5892% | 3,289 |
| Noninterest income to average assets | 0.4246% | 3,013 |
| Noninterest expense to average assets | 2.5267% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9501% | 3,050 |
| Return on assets (ROA) | 0.9501% | 3,093 |
| Pretax return on assets | 1.3016% | 2,448 |
| Return on Equity (ROE) | 7.9290% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.9290% | 1,692 |
| Net charge-offs to loans | 0.0229% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 66.3902% | 870 |
| Efficiency ratio | 66.0005% | 2,939 |
| Assets per employee ($millions) | 7.7273% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 4,682 |
| Loan loss allowance to noncurrent loans | 601.5766% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,277 |
| Noncurrent loans to loans | 0.1234% | 4,187 |
| Net loans and leases to total assets | 85.5729% | 224 |
| Net loans and leases to deposits | 118.6801% | 98 |
| Net loans and leases to core deposits | 127.1464% | 356 |
| Total domestic deposits to total assets | 72.1039% | 5,039 |
| Equity capital to assets | 12.1827% | 1,913 |
| Core capital (leverage) ratio | 12.3410% | 1,584 |
| Tier 1 risk-based capital ratio | 18.5640% | 1,642 |
| Total risk-based capital ratio | 19.5327% | 1,672 |
| Memoranda: | ||
| Average total assets | $836,515,500 | 937 |
| Average earning assets | $793,263,500 | 907 |
| Average equity | $100,240,000 | 883 |
| Average total loans | $716,204,000 | 792 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 3,280 |
| Cost of funding earning assets | 0.5833% | 2,834 |
| Net interest margin | 3.6653% | 3,174 |
| Noninterest income to average assets | 0.5436% | 2,588 |
| Noninterest expense to average assets | 2.8281% | 2,588 |
| Loan and lease loss provision to assets | 0.0235% | 3,701 |
| Net operating income to assets | 0.8501% | 3,609 |
| Return on assets (ROA) | 0.8501% | 3,606 |
| Pretax return on assets | 1.1553% | 3,081 |
| Return on Equity (ROE) | 7.3027% | 3,730 |
| Retained earnings to average equity (ytd only) | 7.3027% | 1,535 |
| Net charge-offs to loans | 0.0006% | 3,768 |
| Credit loss provision to net charge-offs | 4,825.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 2,415.7500% | 37 |
| Efficiency ratio | 70.5800% | 2,096 |
| Assets per employee ($millions) | 7.4865% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,661 |
| Loan loss allowance to noncurrent loans | 906.2290% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,467 |
| Noncurrent loans to loans | 0.0833% | 4,378 |
| Net loans and leases to total assets | 84.3828% | 380 |
| Net loans and leases to deposits | 114.6334% | 158 |
| Net loans and leases to core deposits | 122.8630% | 472 |
| Total domestic deposits to total assets | 73.6111% | 4,970 |
| Equity capital to assets | 11.7843% | 2,044 |
| Core capital (leverage) ratio | 12.1802% | 1,622 |
| Tier 1 risk-based capital ratio | 18.4837% | 1,621 |
| Total risk-based capital ratio | 19.4746% | 1,641 |
| Memoranda: | ||
| Average total assets | $819,701,600 | 935 |
| Average earning assets | $774,534,400 | 906 |
| Average equity | $95,416,600 | 888 |
| Average total loans | $699,718,400 | 790 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,199 |
| Cost of funding earning assets | 0.5695% | 2,710 |
| Net interest margin | 3.6610% | 3,162 |
| Noninterest income to average assets | 0.5521% | 2,558 |
| Noninterest expense to average assets | 2.7615% | 2,771 |
| Loan and lease loss provision to assets | -0.0229% | 5,245 |
| Net operating income to assets | 0.9325% | 3,383 |
| Return on assets (ROA) | 0.9325% | 3,392 |
| Pretax return on assets | 1.2705% | 2,723 |
| Return on Equity (ROE) | 8.0363% | 3,536 |
| Retained earnings to average equity (ytd only) | 8.0363% | 1,634 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8811% | 2,376 |
| Assets per employee ($millions) | 7.6263% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,825 |
| Loan loss allowance to noncurrent loans | 835.3719% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,598 |
| Noncurrent loans to loans | 0.0868% | 4,492 |
| Net loans and leases to total assets | 85.6118% | 299 |
| Net loans and leases to deposits | 112.3384% | 225 |
| Net loans and leases to core deposits | 114.0088% | 819 |
| Total domestic deposits to total assets | 76.2088% | 4,766 |
| Equity capital to assets | 11.9955% | 1,909 |
| Core capital (leverage) ratio | 12.1401% | 1,703 |
| Tier 1 risk-based capital ratio | 18.3754% | 1,696 |
| Total risk-based capital ratio | 19.3122% | 1,728 |
| Memoranda: | ||
| Average total assets | $815,005,000 | 937 |
| Average earning assets | $769,560,000 | 914 |
| Average equity | $94,568,250 | 889 |
| Average total loans | $696,417,250 | 792 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,376 |
| Cost of funding earning assets | 0.5801% | 2,361 |
| Net interest margin | 3.5409% | 3,499 |
| Noninterest income to average assets | 0.5088% | 2,812 |
| Noninterest expense to average assets | 2.7753% | 2,740 |
| Loan and lease loss provision to assets | -0.0343% | 5,352 |
| Net operating income to assets | 0.8167% | 3,800 |
| Return on assets (ROA) | 0.8167% | 3,808 |
| Pretax return on assets | 1.1096% | 3,275 |
| Return on Equity (ROE) | 7.1176% | 3,869 |
| Retained earnings to average equity (ytd only) | 7.1176% | 2,021 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0732% | 1,998 |
| Assets per employee ($millions) | 7.3046% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 4,885 |
| Loan loss allowance to noncurrent loans | 122.6699% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,742 |
| Noncurrent loans to loans | 0.5890% | 2,651 |
| Net loans and leases to total assets | 84.8809% | 368 |
| Net loans and leases to deposits | 117.9748% | 127 |
| Net loans and leases to core deposits | 119.7426% | 570 |
| Total domestic deposits to total assets | 71.9483% | 5,189 |
| Equity capital to assets | 11.6094% | 2,119 |
| Core capital (leverage) ratio | 11.9627% | 1,738 |
| Tier 1 risk-based capital ratio | 18.1023% | 1,771 |
| Total risk-based capital ratio | 19.0477% | 1,822 |
| Memoranda: | ||
| Average total assets | $817,212,000 | 940 |
| Average earning assets | $771,280,330 | 912 |
| Average equity | $93,767,670 | 893 |
| Average total loans | $696,181,000 | 790 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,397 |
| Cost of funding earning assets | 0.5388% | 2,485 |
| Net interest margin | 3.5152% | 3,483 |
| Noninterest income to average assets | 0.5162% | 2,713 |
| Noninterest expense to average assets | 2.8008% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7664% | 3,846 |
| Return on assets (ROA) | 0.7664% | 3,845 |
| Pretax return on assets | 1.0383% | 3,400 |
| Return on Equity (ROE) | 6.7195% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.7195% | 2,401 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9557% | 2,047 |
| Assets per employee ($millions) | 7.5830% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,932 |
| Loan loss allowance to noncurrent loans | 176.1275% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 3,399 |
| Noncurrent loans to loans | 0.4224% | 3,269 |
| Net loans and leases to total assets | 84.6153% | 375 |
| Net loans and leases to deposits | 118.1685% | 132 |
| Net loans and leases to core deposits | 119.6632% | 596 |
| Total domestic deposits to total assets | 71.6056% | 5,308 |
| Equity capital to assets | 11.4053% | 2,211 |
| Core capital (leverage) ratio | 11.7203% | 1,833 |
| Tier 1 risk-based capital ratio | 17.9816% | 1,843 |
| Total risk-based capital ratio | 18.9663% | 1,861 |
| Memoranda: | ||
| Average total assets | $816,758,500 | 943 |
| Average earning assets | $772,069,500 | 917 |
| Average equity | $93,162,000 | 901 |
| Average total loans | $694,531,000 | 791 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 3,127 |
| Cost of funding earning assets | 0.4392% | 2,882 |
| Net interest margin | 3.6415% | 3,018 |
| Noninterest income to average assets | 0.5351% | 2,799 |
| Noninterest expense to average assets | 2.6264% | 3,362 |
| Loan and lease loss provision to assets | 0.0869% | 2,453 |
| Net operating income to assets | 0.7159% | 3,535 |
| Return on assets (ROA) | 0.7158% | 3,585 |
| Pretax return on assets | 1.2668% | 2,481 |
| Return on Equity (ROE) | 6.3973% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.3973% | 1,332 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2117% | 3,404 |
| Assets per employee ($millions) | 7.5421% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 4,948 |
| Loan loss allowance to noncurrent loans | 211.3960% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,678 |
| Noncurrent loans to loans | 0.3556% | 3,493 |
| Net loans and leases to total assets | 84.1818% | 432 |
| Net loans and leases to deposits | 118.5969% | 125 |
| Net loans and leases to core deposits | 119.8399% | 587 |
| Total domestic deposits to total assets | 70.9815% | 5,365 |
| Equity capital to assets | 11.4073% | 2,275 |
| Core capital (leverage) ratio | 11.3904% | 2,021 |
| Tier 1 risk-based capital ratio | 17.8459% | 1,845 |
| Total risk-based capital ratio | 18.8372% | 1,870 |
| Memoranda: | ||
| Average total assets | $803,535,400 | 928 |
| Average earning assets | $760,180,600 | 903 |
| Average equity | $89,913,200 | 901 |
| Average total loans | $684,389,000 | 766 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,146 |
| Cost of funding earning assets | 0.4238% | 2,944 |
| Net interest margin | 3.6339% | 3,022 |
| Noninterest income to average assets | 0.4665% | 3,237 |
| Noninterest expense to average assets | 2.5942% | 3,426 |
| Loan and lease loss provision to assets | 0.0696% | 2,684 |
| Net operating income to assets | 0.7608% | 3,690 |
| Return on assets (ROA) | 0.7607% | 3,750 |
| Pretax return on assets | 1.2414% | 2,743 |
| Return on Equity (ROE) | 6.8323% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.8323% | 1,781 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1451% | 3,182 |
| Assets per employee ($millions) | 7.9242% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 5,160 |
| Loan loss allowance to noncurrent loans | 172.2397% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,691 |
| Noncurrent loans to loans | 0.3991% | 3,521 |
| Net loans and leases to total assets | 84.5228% | 383 |
| Net loans and leases to deposits | 118.6176% | 119 |
| Net loans and leases to core deposits | 119.8219% | 593 |
| Total domestic deposits to total assets | 71.2566% | 5,427 |
| Equity capital to assets | 10.9187% | 2,942 |
| Core capital (leverage) ratio | 11.0009% | 2,459 |
| Tier 1 risk-based capital ratio | 16.2924% | 2,380 |
| Total risk-based capital ratio | 17.1628% | 2,475 |
| Memoranda: | ||
| Average total assets | $800,782,250 | 937 |
| Average earning assets | $757,812,750 | 914 |
| Average equity | $89,162,000 | 913 |
| Average total loans | $682,762,500 | 768 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,026 |
| Cost of funding earning assets | 0.3992% | 3,080 |
| Net interest margin | 3.6448% | 2,857 |
| Noninterest income to average assets | 0.4006% | 3,688 |
| Noninterest expense to average assets | 2.6296% | 3,343 |
| Loan and lease loss provision to assets | 0.1061% | 1,918 |
| Net operating income to assets | 0.6854% | 3,910 |
| Return on assets (ROA) | 0.6853% | 3,975 |
| Pretax return on assets | 1.1138% | 3,119 |
| Return on Equity (ROE) | 6.1124% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.1124% | 2,052 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0142% | 3,012 |
| Assets per employee ($millions) | 7.2480% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 5,224 |
| Loan loss allowance to noncurrent loans | 159.3902% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,627 |
| Noncurrent loans to loans | 0.4363% | 3,451 |
| Net loans and leases to total assets | 84.9290% | 352 |
| Net loans and leases to deposits | 122.6518% | 73 |
| Net loans and leases to core deposits | 123.9558% | 438 |
| Total domestic deposits to total assets | 69.2440% | 5,564 |
| Equity capital to assets | 10.8687% | 2,950 |
| Core capital (leverage) ratio | 11.0774% | 2,334 |
| Tier 1 risk-based capital ratio | 15.9989% | 2,509 |
| Total risk-based capital ratio | 16.8714% | 2,588 |
| Memoranda: | ||
| Average total assets | $787,721,000 | 954 |
| Average earning assets | $745,445,670 | 937 |
| Average equity | $88,311,670 | 923 |
| Average total loans | $672,057,670 | 783 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 2,805 |
| Cost of funding earning assets | 0.3738% | 3,266 |
| Net interest margin | 3.6854% | 2,538 |
| Noninterest income to average assets | 0.2577% | 4,690 |
| Noninterest expense to average assets | 2.6844% | 3,201 |
| Loan and lease loss provision to assets | 0.0437% | 2,921 |
| Net operating income to assets | 0.6300% | 4,016 |
| Return on assets (ROA) | 0.6293% | 4,070 |
| Pretax return on assets | 1.0187% | 3,290 |
| Return on Equity (ROE) | 5.5228% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.5228% | 2,587 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3194% | 2,686 |
| Assets per employee ($millions) | 7.7821% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6821% | 5,346 |
| Loan loss allowance to noncurrent loans | 352.0369% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,589 |
| Noncurrent loans to loans | 0.1938% | 4,429 |
| Net loans and leases to total assets | 84.8449% | 302 |
| Net loans and leases to deposits | 115.1823% | 134 |
| Net loans and leases to core deposits | 118.0984% | 522 |
| Total domestic deposits to total assets | 73.6614% | 5,441 |
| Equity capital to assets | 11.2069% | 2,426 |
| Core capital (leverage) ratio | 11.5222% | 1,929 |
| Tier 1 risk-based capital ratio | 16.5702% | 2,332 |
| Total risk-based capital ratio | 17.4270% | 2,427 |
| Memoranda: | ||
| Average total assets | $768,444,500 | 973 |
| Average earning assets | $727,729,000 | 951 |
| Average equity | $87,565,000 | 930 |
| Average total loans | $654,756,500 | 803 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,226 |
| Cost of funding earning assets | 0.3267% | 3,780 |
| Net interest margin | 3.6634% | 2,850 |
| Noninterest income to average assets | 0.5274% | 3,041 |
| Noninterest expense to average assets | 2.6285% | 3,592 |
| Loan and lease loss provision to assets | 0.1498% | 1,666 |
| Net operating income to assets | 0.7416% | 3,581 |
| Return on assets (ROA) | 0.7450% | 3,677 |
| Pretax return on assets | 1.2140% | 2,608 |
| Return on Equity (ROE) | 6.3357% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.3357% | 1,534 |
| Net charge-offs to loans | 0.0013% | 4,236 |
| Credit loss provision to net charge-offs | 13,525.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,226.8750% | 52 |
| Efficiency ratio | 65.6240% | 3,656 |
| Assets per employee ($millions) | 7.3617% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7046% | 5,347 |
| Loan loss allowance to noncurrent loans | 319.5451% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 4,572 |
| Noncurrent loans to loans | 0.2205% | 4,364 |
| Net loans and leases to total assets | 84.3741% | 353 |
| Net loans and leases to deposits | 109.3912% | 243 |
| Net loans and leases to core deposits | 112.3154% | 768 |
| Total domestic deposits to total assets | 77.1306% | 5,106 |
| Equity capital to assets | 11.5920% | 2,085 |
| Core capital (leverage) ratio | 11.7834% | 1,734 |
| Tier 1 risk-based capital ratio | 17.1095% | 2,124 |
| Total risk-based capital ratio | 17.9896% | 2,199 |
| Memoranda: | ||
| Average total assets | $722,459,600 | 992 |
| Average earning assets | $682,289,600 | 973 |
| Average equity | $84,946,600 | 936 |
| Average total loans | $605,385,000 | 821 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,250 |
| Cost of funding earning assets | 0.3293% | 3,786 |
| Net interest margin | 3.6640% | 2,849 |
| Noninterest income to average assets | 0.4768% | 3,399 |
| Noninterest expense to average assets | 2.6023% | 3,651 |
| Loan and lease loss provision to assets | 0.1737% | 1,296 |
| Net operating income to assets | 0.7123% | 3,779 |
| Return on assets (ROA) | 0.7189% | 3,887 |
| Pretax return on assets | 1.1697% | 2,968 |
| Return on Equity (ROE) | 6.0915% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0915% | 2,129 |
| Net charge-offs to loans | 0.0018% | 3,874 |
| Credit loss provision to net charge-offs | 11,650.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 893.8229% | 98 |
| Efficiency ratio | 65.8158% | 3,620 |
| Assets per employee ($millions) | 7.7600% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 5,435 |
| Loan loss allowance to noncurrent loans | 307.3550% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,682 |
| Noncurrent loans to loans | 0.2270% | 4,458 |
| Net loans and leases to total assets | 82.1831% | 587 |
| Net loans and leases to deposits | 103.2356% | 490 |
| Net loans and leases to core deposits | 106.0805% | 1,177 |
| Total domestic deposits to total assets | 79.6073% | 4,592 |
| Equity capital to assets | 11.5151% | 2,498 |
| Core capital (leverage) ratio | 11.4449% | 2,079 |
| Tier 1 risk-based capital ratio | 17.5156% | 2,072 |
| Total risk-based capital ratio | 18.4023% | 2,140 |
| Memoranda: | ||
| Average total assets | $715,351,000 | 1,004 |
| Average earning assets | $675,266,250 | 989 |
| Average equity | $84,422,250 | 950 |
| Average total loans | $597,217,250 | 834 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,483 |
| Cost of funding earning assets | 0.3297% | 3,798 |
| Net interest margin | 3.6053% | 3,080 |
| Noninterest income to average assets | 0.5696% | 2,797 |
| Noninterest expense to average assets | 2.7210% | 3,307 |
| Loan and lease loss provision to assets | 0.1719% | 1,287 |
| Net operating income to assets | 0.6655% | 3,977 |
| Return on assets (ROA) | 0.6766% | 4,055 |
| Pretax return on assets | 1.0977% | 3,204 |
| Return on Equity (ROE) | 5.6842% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,315 |
| Net charge-offs to loans | 0.0024% | 3,625 |
| Credit loss provision to net charge-offs | 8,628.5714% | 42 |
| Earnings coverage of net charge-offs (x) | 628.7143% | 98 |
| Efficiency ratio | 68.1681% | 3,305 |
| Assets per employee ($millions) | 7.5328% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6460% | 5,621 |
| Loan loss allowance to noncurrent loans | 196.2402% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 4,382 |
| Noncurrent loans to loans | 0.3292% | 4,187 |
| Net loans and leases to total assets | 83.7261% | 444 |
| Net loans and leases to deposits | 110.2516% | 244 |
| Net loans and leases to core deposits | 113.3927% | 751 |
| Total domestic deposits to total assets | 75.9409% | 5,289 |
| Equity capital to assets | 11.5741% | 2,472 |
| Core capital (leverage) ratio | 11.7962% | 1,777 |
| Tier 1 risk-based capital ratio | 17.4605% | 2,075 |
| Total risk-based capital ratio | 18.2927% | 2,162 |
| Memoranda: | ||
| Average total assets | $702,896,000 | 1,025 |
| Average earning assets | $663,577,670 | 1,000 |
| Average equity | $83,671,000 | 952 |
| Average total loans | $588,639,330 | 841 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,464 |
| Cost of funding earning assets | 0.3215% | 3,931 |
| Net interest margin | 3.6086% | 3,050 |
| Noninterest income to average assets | 0.5224% | 2,970 |
| Noninterest expense to average assets | 2.8072% | 3,040 |
| Loan and lease loss provision to assets | 0.1903% | 1,041 |
| Net operating income to assets | 0.5934% | 4,210 |
| Return on assets (ROA) | 0.6094% | 4,256 |
| Pretax return on assets | 0.9573% | 3,634 |
| Return on Equity (ROE) | 5.0443% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.0443% | 2,911 |
| Net charge-offs to loans | 0.0049% | 2,951 |
| Credit loss provision to net charge-offs | 4,657.1429% | 84 |
| Earnings coverage of net charge-offs (x) | 274.7143% | 219 |
| Efficiency ratio | 71.1081% | 2,934 |
| Assets per employee ($millions) | 7.3664% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6318% | 5,700 |
| Loan loss allowance to noncurrent loans | 146.4761% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 4,121 |
| Noncurrent loans to loans | 0.4313% | 3,894 |
| Net loans and leases to total assets | 83.2017% | 439 |
| Net loans and leases to deposits | 108.6492% | 262 |
| Net loans and leases to core deposits | 111.9922% | 751 |
| Total domestic deposits to total assets | 76.5783% | 5,349 |
| Equity capital to assets | 11.8146% | 2,144 |
| Core capital (leverage) ratio | 12.0915% | 1,551 |
| Tier 1 risk-based capital ratio | 18.6423% | 1,813 |
| Total risk-based capital ratio | 19.4831% | 1,885 |
| Memoranda: | ||
| Average total assets | $685,238,500 | 1,038 |
| Average earning assets | $647,005,500 | 1,017 |
| Average equity | $82,786,000 | 961 |
| Average total loans | $571,912,000 | 863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 3,829 |
| Cost of funding earning assets | 0.3008% | 4,241 |
| Net interest margin | 3.5647% | 3,263 |
| Noninterest income to average assets | 0.6288% | 2,566 |
| Noninterest expense to average assets | 2.7393% | 3,449 |
| Loan and lease loss provision to assets | 0.0316% | 3,737 |
| Net operating income to assets | 0.7279% | 3,680 |
| Return on assets (ROA) | 1.1783% | 1,706 |
| Pretax return on assets | 1.9225% | 637 |
| Return on Equity (ROE) | 9.3504% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.3504% | 571 |
| Net charge-offs to loans | -0.0023% | 4,888 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3151% | 3,504 |
| Assets per employee ($millions) | 6.8382% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 5,771 |
| Loan loss allowance to noncurrent loans | 92.8378% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 3,433 |
| Noncurrent loans to loans | 0.6681% | 3,193 |
| Net loans and leases to total assets | 82.6591% | 523 |
| Net loans and leases to deposits | 101.6022% | 569 |
| Net loans and leases to core deposits | 105.0097% | 1,164 |
| Total domestic deposits to total assets | 81.3556% | 4,385 |
| Equity capital to assets | 12.3657% | 1,690 |
| Core capital (leverage) ratio | 12.7960% | 1,229 |
| Tier 1 risk-based capital ratio | 19.1992% | 1,656 |
| Total risk-based capital ratio | 20.0013% | 1,719 |
| Memoranda: | ||
| Average total assets | $633,552,400 | 1,079 |
| Average earning assets | $597,327,600 | 1,045 |
| Average equity | $79,836,000 | 956 |
| Average total loans | $513,699,600 | 912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,877 |
| Cost of funding earning assets | 0.3056% | 4,270 |
| Net interest margin | 3.5594% | 3,307 |
| Noninterest income to average assets | 0.6301% | 2,584 |
| Noninterest expense to average assets | 2.7445% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7217% | 3,810 |
| Return on assets (ROA) | 1.3292% | 1,321 |
| Pretax return on assets | 2.1906% | 426 |
| Return on Equity (ROE) | 10.4963% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.4963% | 554 |
| Net charge-offs to loans | -0.0032% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5046% | 3,451 |
| Assets per employee ($millions) | 7.3133% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 5,840 |
| Loan loss allowance to noncurrent loans | 86.0347% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 3,616 |
| Noncurrent loans to loans | 0.7393% | 3,115 |
| Net loans and leases to total assets | 75.6334% | 1,442 |
| Net loans and leases to deposits | 88.6283% | 1,818 |
| Net loans and leases to core deposits | 91.5375% | 2,311 |
| Total domestic deposits to total assets | 85.3378% | 2,860 |
| Equity capital to assets | 12.1587% | 1,993 |
| Core capital (leverage) ratio | 12.4376% | 1,448 |
| Tier 1 risk-based capital ratio | 20.6653% | 1,411 |
| Total risk-based capital ratio | 21.4908% | 1,463 |
| Memoranda: | ||
| Average total assets | $626,114,500 | 1,096 |
| Average earning assets | $590,278,250 | 1,068 |
| Average equity | $79,289,500 | 966 |
| Average total loans | $504,198,750 | 931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,659 |
| Cost of funding earning assets | 0.3114% | 4,263 |
| Net interest margin | 3.5947% | 3,114 |
| Noninterest income to average assets | 0.5994% | 2,744 |
| Noninterest expense to average assets | 2.8363% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6434% | 4,151 |
| Return on assets (ROA) | 1.5756% | 816 |
| Pretax return on assets | 2.6095% | 216 |
| Return on Equity (ROE) | 12.2646% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.2646% | 370 |
| Net charge-offs to loans | -0.0048% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7369% | 3,207 |
| Assets per employee ($millions) | 6.5605% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 5,941 |
| Loan loss allowance to noncurrent loans | 82.1939% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 3,548 |
| Noncurrent loans to loans | 0.7572% | 3,221 |
| Net loans and leases to total assets | 81.6882% | 583 |
| Net loans and leases to deposits | 104.0434% | 450 |
| Net loans and leases to core deposits | 107.5828% | 983 |
| Total domestic deposits to total assets | 78.5136% | 5,184 |
| Equity capital to assets | 12.5707% | 1,618 |
| Core capital (leverage) ratio | 12.6440% | 1,320 |
| Tier 1 risk-based capital ratio | 21.2322% | 1,319 |
| Total risk-based capital ratio | 22.0954% | 1,370 |
| Memoranda: | ||
| Average total assets | $612,981,330 | 1,126 |
| Average earning assets | $578,073,330 | 1,092 |
| Average equity | $78,746,670 | 977 |
| Average total loans | $503,407,330 | 928 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 3,810 |
| Cost of funding earning assets | 0.3135% | 4,293 |
| Net interest margin | 3.5405% | 3,261 |
| Noninterest income to average assets | 0.5412% | 3,015 |
| Noninterest expense to average assets | 2.8470% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6291% | 4,149 |
| Return on assets (ROA) | 0.6358% | 4,233 |
| Pretax return on assets | 1.0520% | 3,292 |
| Return on Equity (ROE) | 4.8947% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.8947% | 3,112 |
| Net charge-offs to loans | -0.0097% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8433% | 3,018 |
| Assets per employee ($millions) | 6.1467% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 6,011 |
| Loan loss allowance to noncurrent loans | 85.3510% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,649 |
| Noncurrent loans to loans | 0.7411% | 3,405 |
| Net loans and leases to total assets | 82.3401% | 426 |
| Net loans and leases to deposits | 106.4406% | 299 |
| Net loans and leases to core deposits | 108.6864% | 799 |
| Total domestic deposits to total assets | 77.3578% | 5,555 |
| Equity capital to assets | 12.7505% | 1,542 |
| Core capital (leverage) ratio | 12.3702% | 1,416 |
| Tier 1 risk-based capital ratio | 19.9926% | 1,621 |
| Total risk-based capital ratio | 20.8469% | 1,676 |
| Memoranda: | ||
| Average total assets | $604,568,500 | 1,145 |
| Average earning assets | $571,563,500 | 1,111 |
| Average equity | $78,534,500 | 976 |
| Average total loans | $496,261,000 | 947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,186 |
| Cost of funding earning assets | 0.3389% | 4,381 |
| Net interest margin | 3.5452% | 3,619 |
| Noninterest income to average assets | 0.5935% | 2,895 |
| Noninterest expense to average assets | 2.8371% | 3,354 |
| Loan and lease loss provision to assets | -0.0530% | 6,047 |
| Net operating income to assets | 0.6923% | 3,933 |
| Return on assets (ROA) | 0.6923% | 4,047 |
| Pretax return on assets | 1.1413% | 2,917 |
| Return on Equity (ROE) | 5.1152% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.1152% | 2,514 |
| Net charge-offs to loans | 0.0040% | 4,871 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,964 |
| Earnings coverage of net charge-offs (x) | 342.0556% | 157 |
| Efficiency ratio | 72.2082% | 3,169 |
| Assets per employee ($millions) | 5.8281% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 6,051 |
| Loan loss allowance to noncurrent loans | 92.0562% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 3,830 |
| Noncurrent loans to loans | 0.7217% | 3,521 |
| Net loans and leases to total assets | 80.7396% | 644 |
| Net loans and leases to deposits | 100.7361% | 585 |
| Net loans and leases to core deposits | 105.0097% | 1,077 |
| Total domestic deposits to total assets | 80.1496% | 4,976 |
| Equity capital to assets | 13.2380% | 1,255 |
| Core capital (leverage) ratio | 12.9411% | 1,166 |
| Tier 1 risk-based capital ratio | 20.5547% | 1,500 |
| Total risk-based capital ratio | 21.4443% | 1,531 |
| Memoranda: | ||
| Average total assets | $565,759,200 | 1,167 |
| Average earning assets | $531,709,400 | 1,137 |
| Average equity | $76,575,200 | 953 |
| Average total loans | $450,303,800 | 979 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,202 |
| Cost of funding earning assets | 0.3433% | 4,421 |
| Net interest margin | 3.5477% | 3,639 |
| Noninterest income to average assets | 0.5960% | 2,905 |
| Noninterest expense to average assets | 2.8035% | 3,446 |
| Loan and lease loss provision to assets | -0.0477% | 6,185 |
| Net operating income to assets | 0.7111% | 3,883 |
| Return on assets (ROA) | 0.7111% | 3,985 |
| Pretax return on assets | 1.1703% | 2,907 |
| Return on Equity (ROE) | 5.2231% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.2231% | 2,935 |
| Net charge-offs to loans | -0.0081% | 5,391 |
| Credit loss provision to net charge-offs | 740.7407% | 417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4069% | 3,283 |
| Assets per employee ($millions) | 5.7115% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 6,049 |
| Loan loss allowance to noncurrent loans | 97.1338% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 3,795 |
| Noncurrent loans to loans | 0.7466% | 3,735 |
| Net loans and leases to total assets | 78.8390% | 854 |
| Net loans and leases to deposits | 93.7936% | 1,059 |
| Net loans and leases to core deposits | 97.6496% | 1,542 |
| Total domestic deposits to total assets | 84.0558% | 3,735 |
| Equity capital to assets | 13.3049% | 1,275 |
| Core capital (leverage) ratio | 12.9272% | 1,215 |
| Tier 1 risk-based capital ratio | 21.2361% | 1,400 |
| Total risk-based capital ratio | 22.2029% | 1,439 |
| Memoranda: | ||
| Average total assets | $558,583,250 | 1,199 |
| Average earning assets | $524,300,750 | 1,170 |
| Average equity | $76,045,250 | 966 |
| Average total loans | $442,085,500 | 1,002 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 4,032 |
| Cost of funding earning assets | 0.3476% | 4,463 |
| Net interest margin | 3.5786% | 3,447 |
| Noninterest income to average assets | 0.5870% | 2,881 |
| Noninterest expense to average assets | 2.7872% | 3,553 |
| Loan and lease loss provision to assets | -0.0545% | 6,302 |
| Net operating income to assets | 0.7461% | 3,589 |
| Return on assets (ROA) | 0.7461% | 3,693 |
| Pretax return on assets | 1.2125% | 2,610 |
| Return on Equity (ROE) | 5.4370% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.4370% | 2,679 |
| Net charge-offs to loans | -0.0083% | 5,282 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6473% | 3,545 |
| Assets per employee ($millions) | 5.2544% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 6,066 |
| Loan loss allowance to noncurrent loans | 116.7813% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 4,152 |
| Noncurrent loans to loans | 0.6515% | 4,075 |
| Net loans and leases to total assets | 78.7865% | 815 |
| Net loans and leases to deposits | 98.3922% | 642 |
| Net loans and leases to core deposits | 102.1851% | 1,122 |
| Total domestic deposits to total assets | 80.0739% | 5,218 |
| Equity capital to assets | 13.6672% | 1,097 |
| Core capital (leverage) ratio | 13.1585% | 1,105 |
| Tier 1 risk-based capital ratio | 21.5992% | 1,327 |
| Total risk-based capital ratio | 22.6070% | 1,349 |
| Memoranda: | ||
| Average total assets | $550,585,670 | 1,213 |
| Average earning assets | $516,687,670 | 1,184 |
| Average equity | $75,556,670 | 969 |
| Average total loans | $435,230,000 | 1,013 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,049 |
| Cost of funding earning assets | 0.3551% | 4,491 |
| Net interest margin | 3.5534% | 3,468 |
| Noninterest income to average assets | 0.5478% | 3,063 |
| Noninterest expense to average assets | 2.7498% | 3,752 |
| Loan and lease loss provision to assets | -0.0734% | 6,473 |
| Net operating income to assets | 0.7372% | 3,502 |
| Return on assets (ROA) | 0.7372% | 3,585 |
| Pretax return on assets | 1.2071% | 2,464 |
| Return on Equity (ROE) | 5.3607% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3607% | 2,880 |
| Net charge-offs to loans | -0.0065% | 4,889 |
| Credit loss provision to net charge-offs | 1,428.5714% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8073% | 3,682 |
| Assets per employee ($millions) | 5.7761% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 6,140 |
| Loan loss allowance to noncurrent loans | 78.3531% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 3,531 |
| Noncurrent loans to loans | 1.0008% | 3,418 |
| Net loans and leases to total assets | 78.3816% | 724 |
| Net loans and leases to deposits | 98.1928% | 530 |
| Net loans and leases to core deposits | 102.3169% | 966 |
| Total domestic deposits to total assets | 79.8242% | 5,521 |
| Equity capital to assets | 13.6139% | 1,071 |
| Core capital (leverage) ratio | 13.2011% | 1,085 |
| Tier 1 risk-based capital ratio | 21.6521% | 1,352 |
| Total risk-based capital ratio | 22.6887% | 1,365 |
| Memoranda: | ||
| Average total assets | $544,767,500 | 1,242 |
| Average earning assets | $511,401,500 | 1,203 |
| Average equity | $74,915,000 | 979 |
| Average total loans | $429,669,500 | 1,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,035 |
| Cost of funding earning assets | 0.3796% | 4,839 |
| Net interest margin | 3.6370% | 3,298 |
| Noninterest income to average assets | 0.6714% | 2,698 |
| Noninterest expense to average assets | 2.9287% | 3,280 |
| Loan and lease loss provision to assets | -0.0586% | 6,408 |
| Net operating income to assets | 0.7348% | 3,633 |
| Return on assets (ROA) | 0.7323% | 3,732 |
| Pretax return on assets | 1.2031% | 2,566 |
| Return on Equity (ROE) | 5.4500% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.4500% | 2,313 |
| Net charge-offs to loans | 0.0173% | 5,101 |
| Credit loss provision to net charge-offs | -449.2754% | 6,123 |
| Earnings coverage of net charge-offs (x) | 88.0290% | 512 |
| Efficiency ratio | 71.8327% | 3,505 |
| Assets per employee ($millions) | 6.0799% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 6,088 |
| Loan loss allowance to noncurrent loans | 69.5721% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 3,339 |
| Noncurrent loans to loans | 1.2037% | 3,139 |
| Net loans and leases to total assets | 78.0790% | 820 |
| Net loans and leases to deposits | 94.0548% | 873 |
| Net loans and leases to core deposits | 98.7232% | 1,256 |
| Total domestic deposits to total assets | 83.0144% | 4,539 |
| Equity capital to assets | 13.8946% | 935 |
| Core capital (leverage) ratio | 13.1709% | 1,068 |
| Tier 1 risk-based capital ratio | 22.2050% | 1,228 |
| Total risk-based capital ratio | 23.3043% | 1,220 |
| Memoranda: | ||
| Average total assets | $528,895,800 | 1,256 |
| Average earning assets | $495,264,800 | 1,229 |
| Average equity | $71,064,400 | 1,002 |
| Average total loans | $399,565,200 | 1,073 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,043 |
| Cost of funding earning assets | 0.3834% | 4,964 |
| Net interest margin | 3.6393% | 3,283 |
| Noninterest income to average assets | 0.6897% | 2,667 |
| Noninterest expense to average assets | 2.8903% | 3,335 |
| Loan and lease loss provision to assets | -0.0278% | 6,504 |
| Net operating income to assets | 0.7434% | 3,633 |
| Return on assets (ROA) | 0.7436% | 3,755 |
| Pretax return on assets | 1.2308% | 2,580 |
| Return on Equity (ROE) | 5.5822% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.5822% | 2,673 |
| Net charge-offs to loans | 0.0240% | 4,649 |
| Credit loss provision to net charge-offs | -154.9296% | 5,850 |
| Earnings coverage of net charge-offs (x) | 67.0031% | 682 |
| Efficiency ratio | 70.6159% | 3,655 |
| Assets per employee ($millions) | 5.9153% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 5,963 |
| Loan loss allowance to noncurrent loans | 67.2078% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 3,457 |
| Noncurrent loans to loans | 1.3912% | 3,088 |
| Net loans and leases to total assets | 71.7611% | 1,639 |
| Net loans and leases to deposits | 85.9550% | 1,625 |
| Net loans and leases to core deposits | 90.2640% | 1,943 |
| Total domestic deposits to total assets | 83.4868% | 4,386 |
| Equity capital to assets | 13.0496% | 1,315 |
| Core capital (leverage) ratio | 12.9504% | 1,229 |
| Tier 1 risk-based capital ratio | 22.0833% | 1,307 |
| Total risk-based capital ratio | 23.2532% | 1,304 |
| Memoranda: | ||
| Average total assets | $527,361,250 | 1,273 |
| Average earning assets | $493,165,500 | 1,244 |
| Average equity | $70,245,250 | 1,019 |
| Average total loans | $394,137,250 | 1,088 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,769 |
| Cost of funding earning assets | 0.3921% | 5,011 |
| Net interest margin | 3.6989% | 2,962 |
| Noninterest income to average assets | 0.6903% | 2,685 |
| Noninterest expense to average assets | 2.9851% | 3,050 |
| Loan and lease loss provision to assets | 0.0539% | 3,915 |
| Net operating income to assets | 0.6718% | 3,949 |
| Return on assets (ROA) | 0.6718% | 4,115 |
| Pretax return on assets | 1.1101% | 3,057 |
| Return on Equity (ROE) | 5.0078% | 4,729 |
| Retained earnings to average equity (ytd only) | 5.0078% | 3,051 |
| Net charge-offs to loans | 0.0117% | 4,635 |
| Credit loss provision to net charge-offs | 608.6957% | 477 |
| Earnings coverage of net charge-offs (x) | 131.5217% | 374 |
| Efficiency ratio | 71.9466% | 3,477 |
| Assets per employee ($millions) | 5.3079% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,762 |
| Loan loss allowance to noncurrent loans | 67.4715% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 3,292 |
| Noncurrent loans to loans | 1.5038% | 3,048 |
| Net loans and leases to total assets | 74.7054% | 1,145 |
| Net loans and leases to deposits | 89.9065% | 1,152 |
| Net loans and leases to core deposits | 94.4481% | 1,483 |
| Total domestic deposits to total assets | 83.0923% | 4,668 |
| Equity capital to assets | 13.3996% | 1,183 |
| Core capital (leverage) ratio | 13.6311% | 929 |
| Tier 1 risk-based capital ratio | 21.7635% | 1,337 |
| Total risk-based capital ratio | 23.0138% | 1,309 |
| Memoranda: | ||
| Average total assets | $519,773,670 | 1,289 |
| Average earning assets | $486,039,000 | 1,267 |
| Average equity | $69,730,670 | 1,035 |
| Average total loans | $392,682,670 | 1,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 3,791 |
| Cost of funding earning assets | 0.4158% | 4,954 |
| Net interest margin | 3.6675% | 3,000 |
| Noninterest income to average assets | 0.6276% | 2,994 |
| Noninterest expense to average assets | 2.9274% | 3,244 |
| Loan and lease loss provision to assets | 0.0929% | 3,110 |
| Net operating income to assets | 0.6307% | 4,077 |
| Return on assets (ROA) | 0.6307% | 4,230 |
| Pretax return on assets | 1.0408% | 3,184 |
| Return on Equity (ROE) | 4.6981% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.6981% | 3,418 |
| Net charge-offs to loans | 0.0164% | 3,830 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 91.5625% | 417 |
| Efficiency ratio | 72.0846% | 3,598 |
| Assets per employee ($millions) | 5.4487% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 5,890 |
| Loan loss allowance to noncurrent loans | 38.7949% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 2.1390% | 2,199 |
| Noncurrent loans to loans | 2.6473% | 1,944 |
| Net loans and leases to total assets | 76.2818% | 804 |
| Net loans and leases to deposits | 92.2016% | 785 |
| Net loans and leases to core deposits | 97.9014% | 1,085 |
| Total domestic deposits to total assets | 82.7337% | 4,940 |
| Equity capital to assets | 13.8505% | 1,074 |
| Core capital (leverage) ratio | 13.3588% | 996 |
| Tier 1 risk-based capital ratio | 22.1014% | 1,314 |
| Total risk-based capital ratio | 23.3522% | 1,285 |
| Memoranda: | ||
| Average total assets | $516,917,000 | 1,307 |
| Average earning assets | $483,927,000 | 1,280 |
| Average equity | $69,389,500 | 1,048 |
| Average total loans | $390,728,500 | 1,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 3,986 |
| Cost of funding earning assets | 0.5585% | 4,741 |
| Net interest margin | 3.8016% | 3,217 |
| Noninterest income to average assets | 0.7394% | 2,546 |
| Noninterest expense to average assets | 2.9101% | 3,595 |
| Loan and lease loss provision to assets | 0.1557% | 3,663 |
| Net operating income to assets | 0.7413% | 3,550 |
| Return on assets (ROA) | 0.7417% | 3,792 |
| Pretax return on assets | 1.2195% | 2,726 |
| Return on Equity (ROE) | 5.7485% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.7485% | 2,219 |
| Net charge-offs to loans | 0.0620% | 5,077 |
| Credit loss provision to net charge-offs | 329.6748% | 737 |
| Earnings coverage of net charge-offs (x) | 29.0976% | 1,029 |
| Efficiency ratio | 67.9172% | 4,161 |
| Assets per employee ($millions) | 5.7923% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,964 |
| Loan loss allowance to noncurrent loans | 42.9813% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7890% | 2,726 |
| Noncurrent loans to loans | 2.3254% | 2,312 |
| Net loans and leases to total assets | 73.4193% | 1,272 |
| Net loans and leases to deposits | 89.9375% | 1,079 |
| Net loans and leases to core deposits | 95.8072% | 1,320 |
| Total domestic deposits to total assets | 81.6337% | 5,214 |
| Equity capital to assets | 13.0134% | 1,449 |
| Core capital (leverage) ratio | 12.9428% | 1,132 |
| Tier 1 risk-based capital ratio | 21.2447% | 1,409 |
| Total risk-based capital ratio | 22.4763% | 1,388 |
| Memoranda: | ||
| Average total assets | $520,711,400 | 1,279 |
| Average earning assets | $485,614,200 | 1,258 |
| Average equity | $67,183,200 | 1,046 |
| Average total loans | $397,024,600 | 1,053 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 3,555 |
| Cost of funding earning assets | 0.5799% | 4,839 |
| Net interest margin | 3.9408% | 2,750 |
| Noninterest income to average assets | 0.7533% | 2,460 |
| Noninterest expense to average assets | 2.9619% | 3,364 |
| Loan and lease loss provision to assets | 0.0927% | 4,435 |
| Net operating income to assets | 0.8324% | 3,295 |
| Return on assets (ROA) | 0.8329% | 3,535 |
| Pretax return on assets | 1.3718% | 2,338 |
| Return on Equity (ROE) | 6.4699% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.4699% | 2,392 |
| Net charge-offs to loans | 0.0669% | 4,748 |
| Credit loss provision to net charge-offs | 180.5000% | 1,542 |
| Earnings coverage of net charge-offs (x) | 28.4950% | 1,143 |
| Efficiency ratio | 66.9259% | 4,261 |
| Assets per employee ($millions) | 5.8569% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,413 |
| Loan loss allowance to noncurrent loans | 45.3886% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 3,404 |
| Noncurrent loans to loans | 1.9567% | 2,888 |
| Net loans and leases to total assets | 74.1839% | 1,221 |
| Net loans and leases to deposits | 90.8254% | 1,064 |
| Net loans and leases to core deposits | 97.0604% | 1,333 |
| Total domestic deposits to total assets | 81.6775% | 5,136 |
| Equity capital to assets | 12.9309% | 1,630 |
| Core capital (leverage) ratio | 12.8838% | 1,236 |
| Tier 1 risk-based capital ratio | 20.8289% | 1,570 |
| Total risk-based capital ratio | 21.9220% | 1,569 |
| Memoranda: | ||
| Average total assets | $519,114,000 | 1,305 |
| Average earning assets | $483,747,750 | 1,274 |
| Average equity | $66,830,500 | 1,054 |
| Average total loans | $398,555,500 | 1,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 3,254 |
| Cost of funding earning assets | 0.6128% | 4,781 |
| Net interest margin | 4.0121% | 2,450 |
| Noninterest income to average assets | 0.7602% | 2,369 |
| Noninterest expense to average assets | 2.9823% | 3,328 |
| Loan and lease loss provision to assets | 0.1181% | 4,051 |
| Net operating income to assets | 0.8280% | 3,258 |
| Return on assets (ROA) | 0.8280% | 3,522 |
| Pretax return on assets | 1.3969% | 2,208 |
| Return on Equity (ROE) | 6.4410% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.4410% | 2,413 |
| Net charge-offs to loans | 0.1000% | 4,167 |
| Credit loss provision to net charge-offs | 152.5000% | 1,816 |
| Earnings coverage of net charge-offs (x) | 19.5600% | 1,431 |
| Efficiency ratio | 66.3136% | 4,482 |
| Assets per employee ($millions) | 5.5749% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,536 |
| Loan loss allowance to noncurrent loans | 70.9697% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 4,473 |
| Noncurrent loans to loans | 1.2192% | 4,107 |
| Net loans and leases to total assets | 77.0027% | 843 |
| Net loans and leases to deposits | 94.5976% | 724 |
| Net loans and leases to core deposits | 105.2923% | 775 |
| Total domestic deposits to total assets | 81.4003% | 5,333 |
| Equity capital to assets | 13.0691% | 1,478 |
| Core capital (leverage) ratio | 13.1008% | 1,122 |
| Tier 1 risk-based capital ratio | 20.5112% | 1,571 |
| Total risk-based capital ratio | 21.5878% | 1,595 |
| Memoranda: | ||
| Average total assets | $516,446,330 | 1,310 |
| Average earning assets | $481,048,670 | 1,286 |
| Average equity | $66,387,000 | 1,056 |
| Average total loans | $399,894,000 | 1,057 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 3,272 |
| Cost of funding earning assets | 0.6783% | 4,481 |
| Net interest margin | 3.9708% | 2,625 |
| Noninterest income to average assets | 0.7750% | 2,276 |
| Noninterest expense to average assets | 2.9277% | 3,515 |
| Loan and lease loss provision to assets | 0.0695% | 4,541 |
| Net operating income to assets | 0.9077% | 2,879 |
| Return on assets (ROA) | 0.9077% | 3,106 |
| Pretax return on assets | 1.4967% | 1,875 |
| Return on Equity (ROE) | 7.1203% | 3,710 |
| Retained earnings to average equity (ytd only) | 7.1203% | 2,368 |
| Net charge-offs to loans | 0.2007% | 2,915 |
| Credit loss provision to net charge-offs | 44.7761% | 3,365 |
| Earnings coverage of net charge-offs (x) | 10.0945% | 1,784 |
| Efficiency ratio | 65.1494% | 4,707 |
| Assets per employee ($millions) | 5.7336% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 6,719 |
| Loan loss allowance to noncurrent loans | 62.9406% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 4,476 |
| Noncurrent loans to loans | 1.2880% | 4,187 |
| Net loans and leases to total assets | 77.4929% | 636 |
| Net loans and leases to deposits | 95.2996% | 582 |
| Net loans and leases to core deposits | 109.1054% | 565 |
| Total domestic deposits to total assets | 81.3150% | 5,520 |
| Equity capital to assets | 13.0023% | 1,446 |
| Core capital (leverage) ratio | 12.5248% | 1,332 |
| Tier 1 risk-based capital ratio | 20.1288% | 1,676 |
| Total risk-based capital ratio | 21.1342% | 1,711 |
| Memoranda: | ||
| Average total assets | $518,222,000 | 1,312 |
| Average earning assets | $485,346,500 | 1,277 |
| Average equity | $66,065,000 | 1,062 |
| Average total loans | $400,646,000 | 1,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 3,812 |
| Cost of funding earning assets | 0.7128% | 5,451 |
| Net interest margin | 4.0869% | 2,488 |
| Noninterest income to average assets | 0.6309% | 3,001 |
| Noninterest expense to average assets | 2.8897% | 3,998 |
| Loan and lease loss provision to assets | 0.0923% | 5,440 |
| Net operating income to assets | 0.9009% | 2,597 |
| Return on assets (ROA) | 0.9013% | 2,728 |
| Pretax return on assets | 1.4861% | 1,516 |
| Return on Equity (ROE) | 7.2811% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.2811% | 1,371 |
| Net charge-offs to loans | 0.0214% | 6,149 |
| Credit loss provision to net charge-offs | 565.4762% | 403 |
| Earnings coverage of net charge-offs (x) | 96.6190% | 314 |
| Efficiency ratio | 64.6823% | 5,009 |
| Assets per employee ($millions) | 5.8462% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 6,682 |
| Loan loss allowance to noncurrent loans | 75.6280% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 4,942 |
| Noncurrent loans to loans | 1.0976% | 4,515 |
| Net loans and leases to total assets | 75.8865% | 966 |
| Net loans and leases to deposits | 92.6043% | 914 |
| Net loans and leases to core deposits | 108.2264% | 690 |
| Total domestic deposits to total assets | 81.9470% | 5,143 |
| Equity capital to assets | 12.5022% | 1,798 |
| Core capital (leverage) ratio | 12.1633% | 1,514 |
| Tier 1 risk-based capital ratio | 19.5428% | 1,745 |
| Total risk-based capital ratio | 20.5709% | 1,778 |
| Memoranda: | ||
| Average total assets | $514,383,400 | 1,301 |
| Average earning assets | $482,879,800 | 1,266 |
| Average equity | $63,672,000 | 1,059 |
| Average total loans | $392,819,600 | 1,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 4,023 |
| Cost of funding earning assets | 0.7232% | 5,636 |
| Net interest margin | 4.0755% | 2,574 |
| Noninterest income to average assets | 0.6009% | 3,156 |
| Noninterest expense to average assets | 2.9271% | 3,810 |
| Loan and lease loss provision to assets | 0.0952% | 5,274 |
| Net operating income to assets | 0.8535% | 2,925 |
| Return on assets (ROA) | 0.8540% | 3,078 |
| Pretax return on assets | 1.4049% | 1,928 |
| Return on Equity (ROE) | 6.9173% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.9173% | 2,017 |
| Net charge-offs to loans | 0.0020% | 6,171 |
| Credit loss provision to net charge-offs | 6,083.3333% | 46 |
| Earnings coverage of net charge-offs (x) | 958.4763% | 29 |
| Efficiency ratio | 66.1287% | 4,693 |
| Assets per employee ($millions) | 5.6434% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 6,772 |
| Loan loss allowance to noncurrent loans | 49.3882% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 4,300 |
| Noncurrent loans to loans | 1.6648% | 3,801 |
| Net loans and leases to total assets | 74.4725% | 1,238 |
| Net loans and leases to deposits | 90.0760% | 1,205 |
| Net loans and leases to core deposits | 102.0919% | 1,092 |
| Total domestic deposits to total assets | 82.6774% | 4,808 |
| Equity capital to assets | 11.9839% | 2,263 |
| Core capital (leverage) ratio | 11.6656% | 1,911 |
| Tier 1 risk-based capital ratio | 19.0412% | 1,921 |
| Total risk-based capital ratio | 20.0550% | 1,957 |
| Memoranda: | ||
| Average total assets | $511,440,000 | 1,315 |
| Average earning assets | $480,055,000 | 1,275 |
| Average equity | $63,144,750 | 1,074 |
| Average total loans | $390,368,500 | 1,102 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 3,891 |
| Cost of funding earning assets | 0.7329% | 5,764 |
| Net interest margin | 4.1111% | 2,368 |
| Noninterest income to average assets | 0.5866% | 3,216 |
| Noninterest expense to average assets | 3.0035% | 3,626 |
| Loan and lease loss provision to assets | 0.0974% | 5,109 |
| Net operating income to assets | 0.8176% | 2,994 |
| Return on assets (ROA) | 0.8183% | 3,108 |
| Pretax return on assets | 1.3414% | 1,997 |
| Return on Equity (ROE) | 6.5597% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.5597% | 2,107 |
| Net charge-offs to loans | 0.0047% | 5,813 |
| Credit loss provision to net charge-offs | 2,722.2222% | 117 |
| Earnings coverage of net charge-offs (x) | 401.8889% | 81 |
| Efficiency ratio | 67.6302% | 4,583 |
| Assets per employee ($millions) | 5.4642% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 6,884 |
| Loan loss allowance to noncurrent loans | 41.1544% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 3,969 |
| Noncurrent loans to loans | 1.9248% | 3,574 |
| Net loans and leases to total assets | 76.8920% | 933 |
| Net loans and leases to deposits | 93.5662% | 904 |
| Net loans and leases to core deposits | 105.2090% | 973 |
| Total domestic deposits to total assets | 82.1792% | 5,104 |
| Equity capital to assets | 12.2654% | 1,926 |
| Core capital (leverage) ratio | 12.2222% | 1,493 |
| Tier 1 risk-based capital ratio | 18.9284% | 1,870 |
| Total risk-based capital ratio | 19.9181% | 1,909 |
| Memoranda: | ||
| Average total assets | $503,213,330 | 1,341 |
| Average earning assets | $471,801,330 | 1,309 |
| Average equity | $62,777,000 | 1,077 |
| Average total loans | $386,300,670 | 1,132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 3,730 |
| Cost of funding earning assets | 0.7347% | 5,953 |
| Net interest margin | 4.1337% | 2,139 |
| Noninterest income to average assets | 0.5823% | 3,291 |
| Noninterest expense to average assets | 2.9947% | 3,664 |
| Loan and lease loss provision to assets | 0.1010% | 4,748 |
| Net operating income to assets | 0.8344% | 2,862 |
| Return on assets (ROA) | 0.8359% | 2,910 |
| Pretax return on assets | 1.3649% | 1,828 |
| Return on Equity (ROE) | 6.6420% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.6420% | 2,308 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1739% | 4,815 |
| Assets per employee ($millions) | 5.3534% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,905 |
| Loan loss allowance to noncurrent loans | 62.6732% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 4,912 |
| Noncurrent loans to loans | 1.2879% | 4,551 |
| Net loans and leases to total assets | 76.7521% | 915 |
| Net loans and leases to deposits | 94.3417% | 798 |
| Net loans and leases to core deposits | 106.3960% | 919 |
| Total domestic deposits to total assets | 81.3555% | 5,549 |
| Equity capital to assets | 12.7598% | 1,493 |
| Core capital (leverage) ratio | 12.1715% | 1,467 |
| Tier 1 risk-based capital ratio | 19.7411% | 1,640 |
| Total risk-based capital ratio | 20.7542% | 1,661 |
| Memoranda: | ||
| Average total assets | $495,269,500 | 1,360 |
| Average earning assets | $464,378,000 | 1,333 |
| Average equity | $62,330,500 | 1,078 |
| Average total loans | $378,284,000 | 1,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 3,603 |
| Cost of funding earning assets | 0.8760% | 6,263 |
| Net interest margin | 4.3253% | 1,731 |
| Noninterest income to average assets | 0.6151% | 3,379 |
| Noninterest expense to average assets | 3.0828% | 3,531 |
| Loan and lease loss provision to assets | 0.0810% | 6,343 |
| Net operating income to assets | 0.9080% | 2,350 |
| Return on assets (ROA) | 0.9332% | 2,396 |
| Pretax return on assets | 1.5325% | 1,293 |
| Return on Equity (ROE) | 7.7200% | 2,810 |
| Retained earnings to average equity (ytd only) | 7.7200% | 1,071 |
| Net charge-offs to loans | 0.0438% | 6,368 |
| Credit loss provision to net charge-offs | 239.5210% | 1,206 |
| Earnings coverage of net charge-offs (x) | 46.5389% | 497 |
| Efficiency ratio | 66.1999% | 4,934 |
| Assets per employee ($millions) | 5.2424% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 6,999 |
| Loan loss allowance to noncurrent loans | 68.4687% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 5,051 |
| Noncurrent loans to loans | 1.1479% | 4,813 |
| Net loans and leases to total assets | 74.8007% | 1,516 |
| Net loans and leases to deposits | 91.3294% | 1,348 |
| Net loans and leases to core deposits | 101.9485% | 1,458 |
| Total domestic deposits to total assets | 81.9021% | 5,218 |
| Equity capital to assets | 12.4125% | 1,688 |
| Core capital (leverage) ratio | 11.7310% | 1,708 |
| Tier 1 risk-based capital ratio | 19.4630% | 1,602 |
| Total risk-based capital ratio | 20.4381% | 1,645 |
| Memoranda: | ||
| Average total assets | $493,767,400 | 1,362 |
| Average earning assets | $461,399,600 | 1,327 |
| Average equity | $59,689,200 | 1,115 |
| Average total loans | $381,569,400 | 1,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 3,560 |
| Cost of funding earning assets | 0.8948% | 6,411 |
| Net interest margin | 4.3593% | 1,644 |
| Noninterest income to average assets | 0.5888% | 3,511 |
| Noninterest expense to average assets | 2.9710% | 3,853 |
| Loan and lease loss provision to assets | 0.0717% | 6,344 |
| Net operating income to assets | 0.9766% | 2,313 |
| Return on assets (ROA) | 0.9766% | 2,430 |
| Pretax return on assets | 1.6161% | 1,305 |
| Return on Equity (ROE) | 8.1341% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.1341% | 1,378 |
| Net charge-offs to loans | 0.0567% | 5,951 |
| Credit loss provision to net charge-offs | 162.5767% | 2,317 |
| Earnings coverage of net charge-offs (x) | 38.2634% | 712 |
| Efficiency ratio | 63.7721% | 5,288 |
| Assets per employee ($millions) | 5.3281% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 7,148 |
| Loan loss allowance to noncurrent loans | 43.4582% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3936% | 4,371 |
| Noncurrent loans to loans | 1.6803% | 4,122 |
| Net loans and leases to total assets | 75.7362% | 1,456 |
| Net loans and leases to deposits | 92.0285% | 1,440 |
| Net loans and leases to core deposits | 100.8574% | 1,762 |
| Total domestic deposits to total assets | 82.2964% | 4,874 |
| Equity capital to assets | 12.0557% | 2,124 |
| Core capital (leverage) ratio | 11.4265% | 1,983 |
| Tier 1 risk-based capital ratio | 19.0526% | 1,740 |
| Total risk-based capital ratio | 19.9801% | 1,785 |
| Memoranda: | ||
| Average total assets | $492,701,750 | 1,378 |
| Average earning assets | $459,998,250 | 1,344 |
| Average equity | $59,157,000 | 1,127 |
| Average total loans | $383,091,500 | 1,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 3,482 |
| Cost of funding earning assets | 0.9159% | 6,514 |
| Net interest margin | 4.3820% | 1,501 |
| Noninterest income to average assets | 0.5575% | 3,642 |
| Noninterest expense to average assets | 2.9803% | 3,780 |
| Loan and lease loss provision to assets | 0.0614% | 6,337 |
| Net operating income to assets | 0.9738% | 2,285 |
| Return on assets (ROA) | 0.9738% | 2,366 |
| Pretax return on assets | 1.6104% | 1,275 |
| Return on Equity (ROE) | 8.1216% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1216% | 1,402 |
| Net charge-offs to loans | 0.0853% | 5,289 |
| Credit loss provision to net charge-offs | 92.0245% | 4,367 |
| Earnings coverage of net charge-offs (x) | 25.0368% | 1,047 |
| Efficiency ratio | 64.0631% | 5,328 |
| Assets per employee ($millions) | 4.9836% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 7,260 |
| Loan loss allowance to noncurrent loans | 48.8620% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 4,715 |
| Noncurrent loans to loans | 1.4233% | 4,579 |
| Net loans and leases to total assets | 76.7386% | 1,343 |
| Net loans and leases to deposits | 98.9261% | 802 |
| Net loans and leases to core deposits | 107.7052% | 1,322 |
| Total domestic deposits to total assets | 77.5716% | 6,373 |
| Equity capital to assets | 11.8441% | 2,190 |
| Core capital (leverage) ratio | 11.5972% | 1,859 |
| Tier 1 risk-based capital ratio | 18.5851% | 1,810 |
| Total risk-based capital ratio | 19.4722% | 1,864 |
| Memoranda: | ||
| Average total assets | $488,212,670 | 1,401 |
| Average earning assets | $456,186,330 | 1,361 |
| Average equity | $58,535,330 | 1,134 |
| Average total loans | $382,064,330 | 1,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3707% | 3,190 |
| Cost of funding earning assets | 0.9459% | 6,597 |
| Net interest margin | 4.4249% | 1,318 |
| Noninterest income to average assets | 0.5634% | 3,535 |
| Noninterest expense to average assets | 3.0218% | 3,592 |
| Loan and lease loss provision to assets | 0.0624% | 6,018 |
| Net operating income to assets | 0.9762% | 2,277 |
| Return on assets (ROA) | 0.9762% | 2,339 |
| Pretax return on assets | 1.6137% | 1,231 |
| Return on Equity (ROE) | 8.0904% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.0904% | 1,673 |
| Net charge-offs to loans | 0.1585% | 3,975 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 13.4267% | 1,497 |
| Efficiency ratio | 64.3224% | 5,432 |
| Assets per employee ($millions) | 4.6327% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 7,337 |
| Loan loss allowance to noncurrent loans | 75.6873% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 5,280 |
| Noncurrent loans to loans | 0.9229% | 5,470 |
| Net loans and leases to total assets | 78.7420% | 1,018 |
| Net loans and leases to deposits | 101.7130% | 657 |
| Net loans and leases to core deposits | 108.4173% | 1,388 |
| Total domestic deposits to total assets | 77.4158% | 6,465 |
| Equity capital to assets | 12.2881% | 1,881 |
| Core capital (leverage) ratio | 11.5694% | 1,871 |
| Tier 1 risk-based capital ratio | 18.8811% | 1,745 |
| Total risk-based capital ratio | 19.7807% | 1,794 |
| Memoranda: | ||
| Average total assets | $480,645,000 | 1,457 |
| Average earning assets | $449,099,500 | 1,412 |
| Average equity | $57,994,500 | 1,147 |
| Average total loans | $378,613,000 | 1,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 3,600 |
| Cost of funding earning assets | 1.2415% | 6,502 |
| Net interest margin | 4.3604% | 1,541 |
| Noninterest income to average assets | 0.5368% | 4,128 |
| Noninterest expense to average assets | 2.8872% | 4,576 |
| Loan and lease loss provision to assets | 0.0933% | 6,668 |
| Net operating income to assets | 1.0105% | 1,799 |
| Return on assets (ROA) | 0.9805% | 1,959 |
| Pretax return on assets | 1.6102% | 942 |
| Return on Equity (ROE) | 8.6422% | 2,154 |
| Retained earnings to average equity (ytd only) | 8.6422% | 559 |
| Net charge-offs to loans | 0.0074% | 7,129 |
| Credit loss provision to net charge-offs | 1,607.1429% | 197 |
| Earnings coverage of net charge-offs (x) | 301.5000% | 95 |
| Efficiency ratio | 62.2569% | 6,114 |
| Assets per employee ($millions) | 4.8412% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 7,337 |
| Loan loss allowance to noncurrent loans | 68.8450% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 5,473 |
| Noncurrent loans to loans | 1.0421% | 5,236 |
| Net loans and leases to total assets | 77.6940% | 1,446 |
| Net loans and leases to deposits | 99.6181% | 937 |
| Net loans and leases to core deposits | 114.9070% | 2,424 |
| Total domestic deposits to total assets | 77.9918% | 6,221 |
| Equity capital to assets | 11.8471% | 2,111 |
| Core capital (leverage) ratio | 11.3248% | 2,020 |
| Tier 1 risk-based capital ratio | 18.1042% | 1,860 |
| Total risk-based capital ratio | 19.0105% | 1,911 |
| Memoranda: | ||
| Average total assets | $482,298,200 | 1,430 |
| Average earning assets | $453,579,800 | 1,392 |
| Average equity | $54,719,800 | 1,202 |
| Average total loans | $377,508,200 | 1,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 3,780 |
| Cost of funding earning assets | 1.3139% | 6,514 |
| Net interest margin | 4.3006% | 1,732 |
| Noninterest income to average assets | 0.5293% | 4,242 |
| Noninterest expense to average assets | 2.8365% | 4,734 |
| Loan and lease loss provision to assets | 0.0623% | 6,741 |
| Net operating income to assets | 1.0016% | 2,049 |
| Return on assets (ROA) | 0.9616% | 2,250 |
| Pretax return on assets | 1.6201% | 1,137 |
| Return on Equity (ROE) | 8.5703% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.5703% | 953 |
| Net charge-offs to loans | 0.0099% | 6,802 |
| Credit loss provision to net charge-offs | 803.5714% | 475 |
| Earnings coverage of net charge-offs (x) | 225.2288% | 173 |
| Efficiency ratio | 61.9134% | 6,126 |
| Assets per employee ($millions) | 4.8643% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 7,464 |
| Loan loss allowance to noncurrent loans | 44.6774% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 4,711 |
| Noncurrent loans to loans | 1.4806% | 4,450 |
| Net loans and leases to total assets | 79.3446% | 1,317 |
| Net loans and leases to deposits | 99.5477% | 1,151 |
| Net loans and leases to core deposits | 115.5076% | 2,673 |
| Total domestic deposits to total assets | 79.7051% | 5,556 |
| Equity capital to assets | 11.9258% | 2,280 |
| Core capital (leverage) ratio | 10.8565% | 2,520 |
| Tier 1 risk-based capital ratio | 18.7950% | 1,801 |
| Total risk-based capital ratio | 19.6785% | 1,830 |
| Memoranda: | ||
| Average total assets | $481,842,750 | 1,457 |
| Average earning assets | $454,007,750 | 1,403 |
| Average equity | $54,061,250 | 1,239 |
| Average total loans | $377,172,750 | 1,288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 3,868 |
| Cost of funding earning assets | 1.3675% | 6,594 |
| Net interest margin | 4.2717% | 1,745 |
| Noninterest income to average assets | 0.5161% | 4,299 |
| Noninterest expense to average assets | 2.7726% | 5,079 |
| Loan and lease loss provision to assets | 0.0618% | 6,595 |
| Net operating income to assets | 1.0066% | 2,082 |
| Return on assets (ROA) | 1.0066% | 2,178 |
| Pretax return on assets | 1.7004% | 1,018 |
| Return on Equity (ROE) | 9.1589% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.1589% | 899 |
| Net charge-offs to loans | 0.0074% | 6,481 |
| Credit loss provision to net charge-offs | 1,071.4286% | 458 |
| Earnings coverage of net charge-offs (x) | 305.3571% | 127 |
| Efficiency ratio | 61.1399% | 6,378 |
| Assets per employee ($millions) | 4.9012% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 7,552 |
| Loan loss allowance to noncurrent loans | 56.0240% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 5,219 |
| Noncurrent loans to loans | 1.1515% | 4,912 |
| Net loans and leases to total assets | 76.4211% | 2,076 |
| Net loans and leases to deposits | 101.2850% | 1,142 |
| Net loans and leases to core deposits | 117.6511% | 2,575 |
| Total domestic deposits to total assets | 75.4516% | 6,671 |
| Equity capital to assets | 11.1361% | 2,804 |
| Core capital (leverage) ratio | 10.6980% | 2,670 |
| Tier 1 risk-based capital ratio | 18.1557% | 1,973 |
| Total risk-based capital ratio | 19.0047% | 2,030 |
| Memoranda: | ||
| Average total assets | $485,179,330 | 1,458 |
| Average earning assets | $456,450,000 | 1,412 |
| Average equity | $53,325,000 | 1,269 |
| Average total loans | $377,274,670 | 1,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 3,885 |
| Cost of funding earning assets | 1.4247% | 6,649 |
| Net interest margin | 4.2591% | 1,708 |
| Noninterest income to average assets | 0.4732% | 4,566 |
| Noninterest expense to average assets | 2.7080% | 4,962 |
| Loan and lease loss provision to assets | 0.0621% | 6,175 |
| Net operating income to assets | 1.0242% | 2,217 |
| Return on assets (ROA) | 1.0242% | 2,358 |
| Pretax return on assets | 1.7012% | 1,176 |
| Return on Equity (ROE) | 9.3818% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.3818% | 1,375 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5634% | 6,314 |
| Assets per employee ($millions) | 5.3832% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 7,633 |
| Loan loss allowance to noncurrent loans | 60.9882% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 5,211 |
| Noncurrent loans to loans | 1.0105% | 4,981 |
| Net loans and leases to total assets | 77.1685% | 1,997 |
| Net loans and leases to deposits | 102.9524% | 1,096 |
| Net loans and leases to core deposits | 120.4856% | 2,376 |
| Total domestic deposits to total assets | 74.9555% | 6,721 |
| Equity capital to assets | 10.7216% | 3,271 |
| Core capital (leverage) ratio | 10.6203% | 2,816 |
| Tier 1 risk-based capital ratio | 17.5987% | 2,156 |
| Total risk-based capital ratio | 18.4197% | 2,230 |
| Memoranda: | ||
| Average total assets | $482,710,500 | 1,472 |
| Average earning assets | $453,145,000 | 1,425 |
| Average equity | $52,697,500 | 1,294 |
| Average total loans | $377,419,500 | 1,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 6,301 |
| Cost of funding earning assets | 2.0176% | 6,355 |
| Net interest margin | 3.8219% | 3,930 |
| Noninterest income to average assets | 0.5434% | 4,283 |
| Noninterest expense to average assets | 2.7275% | 5,143 |
| Loan and lease loss provision to assets | 0.0269% | 7,060 |
| Net operating income to assets | 0.8236% | 3,341 |
| Return on assets (ROA) | 0.8126% | 3,224 |
| Pretax return on assets | 1.3325% | 2,200 |
| Return on Equity (ROE) | 7.4428% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.4428% | 1,002 |
| Net charge-offs to loans | 0.0053% | 6,902 |
| Credit loss provision to net charge-offs | 657.8947% | 647 |
| Earnings coverage of net charge-offs (x) | 336.6842% | 141 |
| Efficiency ratio | 66.4587% | 5,028 |
| Assets per employee ($millions) | 5.0018% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 7,637 |
| Loan loss allowance to noncurrent loans | 40.8290% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 3,857 |
| Noncurrent loans to loans | 1.5180% | 3,512 |
| Net loans and leases to total assets | 78.2687% | 2,060 |
| Net loans and leases to deposits | 101.4895% | 1,645 |
| Net loans and leases to core deposits | 118.5577% | 2,828 |
| Total domestic deposits to total assets | 77.1200% | 5,963 |
| Equity capital to assets | 11.1228% | 2,946 |
| Core capital (leverage) ratio | 10.4244% | 3,048 |
| Tier 1 risk-based capital ratio | 18.0415% | 2,031 |
| Total risk-based capital ratio | 18.8772% | 2,080 |
| Memoranda: | ||
| Average total assets | $464,704,000 | 1,480 |
| Average earning assets | $432,946,800 | 1,444 |
| Average equity | $50,733,400 | 1,332 |
| Average total loans | $356,353,000 | 1,365 |