Home > Monson Savings Bank > Performance and Condition Ratios
Monson Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 3,177 |
| Cost of funding earning assets | 1.1964% | 2,813 |
| Net interest margin | 3.2590% | 2,734 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.5315% | 2,212 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8851% | 2,595 |
| Return on assets (ROA) | 0.8366% | 2,731 |
| Pretax return on assets | 1.0846% | 2,453 |
| Return on Equity (ROE) | 9.8100% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.8134% | 1,063 |
| Net charge-offs to loans | 0.0068% | 2,423 |
| Credit loss provision to net charge-offs | 122.2222% | 1,658 |
| Earnings coverage of net charge-offs (x) | 208.3056% | 571 |
| Efficiency ratio | 68.7124% | 2,032 |
| Assets per employee ($millions) | 7.3052% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 4,126 |
| Loan loss allowance to noncurrent loans | 834.9345% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,102 |
| Noncurrent loans to loans | 0.0840% | 3,124 |
| Net loans and leases to total assets | 82.3200% | 400 |
| Net loans and leases to deposits | 93.4891% | 977 |
| Net loans and leases to core deposits | 108.9634% | 993 |
| Total domestic deposits to total assets | 88.0500% | 1,337 |
| Equity capital to assets | 9.1167% | 2,597 |
| Core capital (leverage) ratio | 9.5914% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $650,574,600 | 1,373 |
| Average earning assets | $617,025,000 | 1,349 |
| Average equity | $55,465,200 | 1,477 |
| Average total loans | $527,125,600 | 1,185 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 3,167 |
| Cost of funding earning assets | 1.0384% | 2,929 |
| Net interest margin | 3.3268% | 2,628 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.5184% | 2,169 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9375% | 2,555 |
| Return on assets (ROA) | 0.8727% | 2,772 |
| Pretax return on assets | 1.1413% | 2,455 |
| Return on Equity (ROE) | 10.4200% | 2,526 |
| Retained earnings to average equity (ytd only) | 10.4193% | 1,292 |
| Net charge-offs to loans | 0.0069% | 2,184 |
| Credit loss provision to net charge-offs | 114.8148% | 1,520 |
| Earnings coverage of net charge-offs (x) | 221.6296% | 550 |
| Efficiency ratio | 67.1930% | 2,115 |
| Assets per employee ($millions) | 7.2270% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 4,117 |
| Loan loss allowance to noncurrent loans | 452.0710% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 2,696 |
| Noncurrent loans to loans | 0.1571% | 2,763 |
| Net loans and leases to total assets | 81.1800% | 514 |
| Net loans and leases to deposits | 92.3007% | 1,024 |
| Net loans and leases to core deposits | 104.7656% | 1,076 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 8.4740% | 2,744 |
| Core capital (leverage) ratio | 9.4553% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $648,851,500 | 1,377 |
| Average earning assets | $615,316,250 | 1,345 |
| Average equity | $54,346,750 | 1,496 |
| Average total loans | $522,647,000 | 1,188 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,163 |
| Cost of funding earning assets | 0.9155% | 2,880 |
| Net interest margin | 3.3489% | 2,647 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5279% | 2,121 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9369% | 2,624 |
| Return on assets (ROA) | 0.9345% | 2,621 |
| Pretax return on assets | 1.2299% | 2,286 |
| Return on Equity (ROE) | 11.2000% | 2,374 |
| Retained earnings to average equity (ytd only) | 11.2015% | 1,151 |
| Net charge-offs to loans | 0.0054% | 2,059 |
| Credit loss provision to net charge-offs | 121.4286% | 1,327 |
| Earnings coverage of net charge-offs (x) | 285.6429% | 467 |
| Efficiency ratio | 67.1216% | 2,093 |
| Assets per employee ($millions) | 7.0107% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 4,146 |
| Loan loss allowance to noncurrent loans | 556.7055% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,802 |
| Noncurrent loans to loans | 0.1297% | 2,825 |
| Net loans and leases to total assets | 80.5300% | 581 |
| Net loans and leases to deposits | 89.3219% | 1,236 |
| Net loans and leases to core deposits | 100.4967% | 1,209 |
| Total domestic deposits to total assets | 90.1500% | 885 |
| Equity capital to assets | 8.5753% | 2,805 |
| Core capital (leverage) ratio | 9.2522% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $645,915,000 | 1,382 |
| Average earning assets | $612,746,667 | 1,356 |
| Average equity | $53,885,667 | 1,510 |
| Average total loans | $517,617,667 | 1,184 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,168 |
| Cost of funding earning assets | 0.7377% | 2,935 |
| Net interest margin | 3.3991% | 2,638 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.5274% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9393% | 2,722 |
| Return on assets (ROA) | 0.9339% | 2,698 |
| Pretax return on assets | 1.2301% | 2,354 |
| Return on Equity (ROE) | 11.3600% | 2,386 |
| Retained earnings to average equity (ytd only) | 11.3555% | 1,387 |
| Net charge-offs to loans | 0.0047% | 1,796 |
| Credit loss provision to net charge-offs | 116.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 332.5000% | 340 |
| Efficiency ratio | 67.0629% | 2,081 |
| Assets per employee ($millions) | 7.1078% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 4,192 |
| Loan loss allowance to noncurrent loans | 525.7576% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,747 |
| Noncurrent loans to loans | 0.1408% | 2,791 |
| Net loans and leases to total assets | 78.2500% | 741 |
| Net loans and leases to deposits | 86.6108% | 1,309 |
| Net loans and leases to core deposits | 97.3933% | 1,210 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 8.4110% | 2,959 |
| Core capital (leverage) ratio | 9.2464% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0984% | 1,947 |
| Memoranda: | ||
| Average total assets | $642,873,500 | 1,409 |
| Average earning assets | $610,519,000 | 1,377 |
| Average equity | $52,873,000 | 1,541 |
| Average total loans | $512,000,000 | 1,206 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 2,823 |
| Cost of funding earning assets | 0.2590% | 3,250 |
| Net interest margin | 3.3349% | 2,469 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5532% | 1,959 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.9835% | 2,627 |
| Return on assets (ROA) | 0.8897% | 2,948 |
| Pretax return on assets | 1.1618% | 2,560 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 11.0183% | 883 |
| Net charge-offs to loans | 0.0090% | 2,047 |
| Credit loss provision to net charge-offs | -1,235.7143% | 4,669 |
| Earnings coverage of net charge-offs (x) | 176.3333% | 711 |
| Efficiency ratio | 68.0872% | 1,952 |
| Assets per employee ($millions) | 6.7939% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,509 |
| Loan loss allowance to noncurrent loans | 925.0386% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,826 |
| Noncurrent loans to loans | 0.1272% | 2,877 |
| Net loans and leases to total assets | 79.5300% | 650 |
| Net loans and leases to deposits | 87.7725% | 1,191 |
| Net loans and leases to core deposits | 96.6906% | 1,162 |
| Total domestic deposits to total assets | 90.6100% | 1,105 |
| Equity capital to assets | 8.0314% | 3,042 |
| Core capital (leverage) ratio | 8.8175% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8828% | 2,019 |
| Memoranda: | ||
| Average total assets | $618,873,600 | 1,439 |
| Average earning assets | $586,521,000 | 1,414 |
| Average equity | $49,971,400 | 1,623 |
| Average total loans | $466,510,800 | 1,236 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 2,787 |
| Cost of funding earning assets | 0.1577% | 3,753 |
| Net interest margin | 3.2887% | 2,330 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.5307% | 1,922 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.9110% | 2,825 |
| Return on assets (ROA) | 0.8789% | 2,941 |
| Pretax return on assets | 1.1522% | 2,552 |
| Return on Equity (ROE) | 10.8700% | 2,434 |
| Retained earnings to average equity (ytd only) | 10.8693% | 1,089 |
| Net charge-offs to loans | 0.0082% | 1,836 |
| Credit loss provision to net charge-offs | -225.0000% | 4,667 |
| Earnings coverage of net charge-offs (x) | 194.4643% | 632 |
| Efficiency ratio | 68.2137% | 1,987 |
| Assets per employee ($millions) | 6.8863% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,026 |
| Loan loss allowance to noncurrent loans | 909.1549% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,833 |
| Noncurrent loans to loans | 0.1430% | 2,906 |
| Net loans and leases to total assets | 78.1900% | 689 |
| Net loans and leases to deposits | 89.1033% | 957 |
| Net loans and leases to core deposits | 95.4585% | 1,027 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 7.6804% | 3,102 |
| Core capital (leverage) ratio | 8.9406% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8319% | 2,121 |
| Memoranda: | ||
| Average total assets | $615,634,500 | 1,451 |
| Average earning assets | $583,319,250 | 1,428 |
| Average equity | $49,778,000 | 1,653 |
| Average total loans | $456,011,000 | 1,250 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 2,909 |
| Cost of funding earning assets | 0.1424% | 3,674 |
| Net interest margin | 3.1025% | 2,531 |
| Noninterest income to average assets | 0.5951% | 1,761 |
| Noninterest expense to average assets | 2.4956% | 1,944 |
| Loan and lease loss provision to assets | 0.0075% | 2,467 |
| Net operating income to assets | 0.7934% | 2,983 |
| Return on assets (ROA) | 0.7968% | 2,941 |
| Pretax return on assets | 1.0380% | 2,615 |
| Return on Equity (ROE) | 9.6885% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.6885% | 1,104 |
| Net charge-offs to loans | 0.0104% | 1,596 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 138.5217% | 683 |
| Efficiency ratio | 70.5600% | 1,879 |
| Assets per employee ($millions) | 6.9254% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,678 |
| Loan loss allowance to noncurrent loans | 512.6077% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,308 |
| Noncurrent loans to loans | 0.2767% | 2,362 |
| Net loans and leases to total assets | 72.2009% | 1,083 |
| Net loans and leases to deposits | 79.3934% | 1,428 |
| Net loans and leases to core deposits | 82.1621% | 1,587 |
| Total domestic deposits to total assets | 90.9407% | 1,264 |
| Equity capital to assets | 7.7682% | 3,295 |
| Core capital (leverage) ratio | 8.5638% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9724% | 1,712 |
| Memoranda: | ||
| Average total assets | $611,963,000 | 1,471 |
| Average earning assets | $580,243,333 | 1,448 |
| Average equity | $50,327,667 | 1,677 |
| Average total loans | $442,545,333 | 1,277 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0840% | 3,027 |
| Cost of funding earning assets | 0.1414% | 3,606 |
| Net interest margin | 2.9426% | 2,698 |
| Noninterest income to average assets | 0.5454% | 1,926 |
| Noninterest expense to average assets | 2.4610% | 1,983 |
| Loan and lease loss provision to assets | 0.0033% | 2,243 |
| Net operating income to assets | 0.6854% | 3,109 |
| Return on assets (ROA) | 0.6854% | 3,098 |
| Pretax return on assets | 0.8845% | 2,836 |
| Return on Equity (ROE) | 8.0998% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.0998% | 1,549 |
| Net charge-offs to loans | 0.0185% | 1,159 |
| Credit loss provision to net charge-offs | 25.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 66.9000% | 812 |
| Efficiency ratio | 73.4892% | 1,798 |
| Assets per employee ($millions) | 6.6202% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,636 |
| Loan loss allowance to noncurrent loans | 603.0471% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,566 |
| Noncurrent loans to loans | 0.2445% | 2,615 |
| Net loans and leases to total assets | 70.8926% | 935 |
| Net loans and leases to deposits | 78.2400% | 1,269 |
| Net loans and leases to core deposits | 80.9346% | 1,428 |
| Total domestic deposits to total assets | 90.6091% | 1,242 |
| Equity capital to assets | 8.1480% | 3,449 |
| Core capital (leverage) ratio | 8.6119% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9243% | 2,248 |
| Memoranda: | ||
| Average total assets | $602,839,000 | 1,494 |
| Average earning assets | $574,316,500 | 1,462 |
| Average equity | $51,013,500 | 1,710 |
| Average total loans | $433,036,000 | 1,286 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 2,151 |
| Cost of funding earning assets | 0.2364% | 3,074 |
| Net interest margin | 3.4508% | 1,877 |
| Noninterest income to average assets | 0.8438% | 1,332 |
| Noninterest expense to average assets | 2.6290% | 1,801 |
| Loan and lease loss provision to assets | 0.0732% | 1,637 |
| Net operating income to assets | 1.0767% | 2,382 |
| Return on assets (ROA) | 1.0932% | 2,385 |
| Pretax return on assets | 1.4457% | 1,893 |
| Return on Equity (ROE) | 12.3676% | 1,692 |
| Retained earnings to average equity (ytd only) | 12.3676% | 492 |
| Net charge-offs to loans | 0.0048% | 2,424 |
| Credit loss provision to net charge-offs | 2,025.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 414.5500% | 315 |
| Efficiency ratio | 63.7012% | 2,611 |
| Assets per employee ($millions) | 6.4130% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,399 |
| Loan loss allowance to noncurrent loans | 1,682.7763% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,506 |
| Noncurrent loans to loans | 0.0919% | 3,464 |
| Net loans and leases to total assets | 70.5974% | 973 |
| Net loans and leases to deposits | 78.1956% | 1,382 |
| Net loans and leases to core deposits | 81.3456% | 1,500 |
| Total domestic deposits to total assets | 90.2832% | 824 |
| Equity capital to assets | 8.7901% | 3,815 |
| Core capital (leverage) ratio | 8.7702% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,441,400 | 1,566 |
| Average earning assets | $526,575,600 | 1,528 |
| Average equity | $48,918,200 | 1,800 |
| Average total loans | $417,048,400 | 1,332 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 2,049 |
| Cost of funding earning assets | 0.2570% | 3,048 |
| Net interest margin | 3.5260% | 1,794 |
| Noninterest income to average assets | 0.8591% | 1,353 |
| Noninterest expense to average assets | 2.6433% | 1,723 |
| Loan and lease loss provision to assets | 0.0977% | 1,224 |
| Net operating income to assets | 1.1102% | 2,516 |
| Return on assets (ROA) | 1.1288% | 2,505 |
| Pretax return on assets | 1.4928% | 2,011 |
| Return on Equity (ROE) | 12.7512% | 1,781 |
| Retained earnings to average equity (ytd only) | 12.7512% | 677 |
| Net charge-offs to loans | 0.0016% | 2,355 |
| Credit loss provision to net charge-offs | 7,980.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 1,279.4000% | 124 |
| Efficiency ratio | 62.7822% | 2,569 |
| Assets per employee ($millions) | 6.4953% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,462 |
| Loan loss allowance to noncurrent loans | 1,693.7984% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,651 |
| Noncurrent loans to loans | 0.0915% | 3,618 |
| Net loans and leases to total assets | 72.8326% | 792 |
| Net loans and leases to deposits | 81.1498% | 1,178 |
| Net loans and leases to core deposits | 85.0953% | 1,347 |
| Total domestic deposits to total assets | 89.7508% | 892 |
| Equity capital to assets | 8.8484% | 3,961 |
| Core capital (leverage) ratio | 8.7948% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,302,750 | 1,594 |
| Average earning assets | $517,318,250 | 1,560 |
| Average equity | $48,182,500 | 1,835 |
| Average total loans | $415,543,500 | 1,359 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 1,986 |
| Cost of funding earning assets | 0.2807% | 2,966 |
| Net interest margin | 3.5525% | 1,704 |
| Noninterest income to average assets | 0.8105% | 1,510 |
| Noninterest expense to average assets | 2.6464% | 1,739 |
| Loan and lease loss provision to assets | 0.1484% | 806 |
| Net operating income to assets | 1.0545% | 2,699 |
| Return on assets (ROA) | 1.0545% | 2,779 |
| Pretax return on assets | 1.3879% | 2,371 |
| Return on Equity (ROE) | 11.9110% | 2,103 |
| Retained earnings to average equity (ytd only) | 11.9110% | 939 |
| Net charge-offs to loans | -0.0024% | 3,235 |
| Credit loss provision to net charge-offs | -7,940.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2717% | 2,526 |
| Assets per employee ($millions) | 6.0950% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,352 |
| Loan loss allowance to noncurrent loans | 1,964.9701% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,827 |
| Noncurrent loans to loans | 0.0800% | 3,789 |
| Net loans and leases to total assets | 74.1307% | 739 |
| Net loans and leases to deposits | 82.4164% | 1,187 |
| Net loans and leases to core deposits | 87.5374% | 1,307 |
| Total domestic deposits to total assets | 89.9465% | 806 |
| Equity capital to assets | 8.8268% | 3,949 |
| Core capital (leverage) ratio | 8.7167% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $535,208,667 | 1,612 |
| Average earning assets | $508,036,667 | 1,582 |
| Average equity | $47,384,667 | 1,855 |
| Average total loans | $413,106,333 | 1,375 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 1,572 |
| Cost of funding earning assets | 0.3051% | 2,933 |
| Net interest margin | 3.7144% | 1,300 |
| Noninterest income to average assets | 0.7711% | 1,661 |
| Noninterest expense to average assets | 2.6733% | 1,683 |
| Loan and lease loss provision to assets | 0.2246% | 510 |
| Net operating income to assets | 1.0657% | 2,587 |
| Return on assets (ROA) | 1.0657% | 2,664 |
| Pretax return on assets | 1.4036% | 2,270 |
| Return on Equity (ROE) | 12.0176% | 2,008 |
| Retained earnings to average equity (ytd only) | 12.0176% | 1,141 |
| Net charge-offs to loans | 0.0010% | 1,905 |
| Credit loss provision to net charge-offs | 29,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,139.0000% | 34 |
| Efficiency ratio | 62.1483% | 2,732 |
| Assets per employee ($millions) | 6.2277% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,383 |
| Loan loss allowance to noncurrent loans | 1,206.5421% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,696 |
| Noncurrent loans to loans | 0.1297% | 3,663 |
| Net loans and leases to total assets | 74.9478% | 719 |
| Net loans and leases to deposits | 82.9890% | 1,248 |
| Net loans and leases to core deposits | 89.0328% | 1,284 |
| Total domestic deposits to total assets | 90.3105% | 660 |
| Equity capital to assets | 8.6615% | 3,989 |
| Core capital (leverage) ratio | 8.8551% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,492,500 | 1,618 |
| Average earning assets | $499,460,000 | 1,591 |
| Average equity | $46,598,500 | 1,868 |
| Average total loans | $410,798,500 | 1,381 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 2,709 |
| Cost of funding earning assets | 0.6243% | 2,156 |
| Net interest margin | 3.3805% | 2,833 |
| Noninterest income to average assets | 0.9014% | 1,265 |
| Noninterest expense to average assets | 2.7805% | 1,995 |
| Loan and lease loss provision to assets | 0.3661% | 908 |
| Net operating income to assets | 0.7534% | 3,254 |
| Return on assets (ROA) | 0.7622% | 3,356 |
| Pretax return on assets | 0.9731% | 3,137 |
| Return on Equity (ROE) | 8.3747% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.3747% | 951 |
| Net charge-offs to loans | 0.0037% | 3,238 |
| Credit loss provision to net charge-offs | 12,528.5714% | 78 |
| Earnings coverage of net charge-offs (x) | 454.5714% | 253 |
| Efficiency ratio | 67.6741% | 2,274 |
| Assets per employee ($millions) | 5.6582% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,578 |
| Loan loss allowance to noncurrent loans | 1,360.0442% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 3,879 |
| Noncurrent loans to loans | 0.1105% | 3,850 |
| Net loans and leases to total assets | 79.2868% | 480 |
| Net loans and leases to deposits | 88.6464% | 1,028 |
| Net loans and leases to core deposits | 96.0409% | 1,117 |
| Total domestic deposits to total assets | 89.4416% | 791 |
| Equity capital to assets | 9.0858% | 3,985 |
| Core capital (leverage) ratio | 8.8979% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,165,600 | 1,615 |
| Average earning assets | $454,608,800 | 1,584 |
| Average equity | $43,607,400 | 1,882 |
| Average total loans | $382,624,400 | 1,417 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,137 |
| Cost of funding earning assets | 0.6993% | 2,028 |
| Net interest margin | 3.2433% | 3,352 |
| Noninterest income to average assets | 0.9006% | 1,222 |
| Noninterest expense to average assets | 2.7240% | 2,188 |
| Loan and lease loss provision to assets | 0.3257% | 1,198 |
| Net operating income to assets | 0.7234% | 3,378 |
| Return on assets (ROA) | 0.7257% | 3,470 |
| Pretax return on assets | 0.9295% | 3,296 |
| Return on Equity (ROE) | 7.9702% | 2,819 |
| Retained earnings to average equity (ytd only) | 7.9702% | 1,312 |
| Net charge-offs to loans | -0.0071% | 4,143 |
| Credit loss provision to net charge-offs | -5,760.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5056% | 2,114 |
| Assets per employee ($millions) | 5.6650% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,770 |
| Loan loss allowance to noncurrent loans | 904.8544% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,817 |
| Noncurrent loans to loans | 0.1538% | 3,772 |
| Net loans and leases to total assets | 78.6095% | 758 |
| Net loans and leases to deposits | 88.5194% | 1,426 |
| Net loans and leases to core deposits | 98.9707% | 1,242 |
| Total domestic deposits to total assets | 88.8048% | 863 |
| Equity capital to assets | 8.9248% | 4,165 |
| Core capital (leverage) ratio | 8.6917% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $471,648,250 | 1,616 |
| Average earning assets | $447,268,000 | 1,584 |
| Average equity | $42,942,250 | 1,900 |
| Average total loans | $375,801,250 | 1,427 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,236 |
| Cost of funding earning assets | 0.7828% | 1,915 |
| Net interest margin | 3.2536% | 3,512 |
| Noninterest income to average assets | 0.6697% | 1,860 |
| Noninterest expense to average assets | 2.6892% | 2,416 |
| Loan and lease loss provision to assets | 0.2378% | 1,772 |
| Net operating income to assets | 0.6500% | 3,579 |
| Return on assets (ROA) | 0.6528% | 3,665 |
| Pretax return on assets | 0.8290% | 3,510 |
| Return on Equity (ROE) | 7.1183% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.1183% | 1,612 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6632% | 1,740 |
| Assets per employee ($millions) | 6.1251% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,170 |
| Loan loss allowance to noncurrent loans | 2,279.3578% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,315 |
| Noncurrent loans to loans | 0.0555% | 4,257 |
| Net loans and leases to total assets | 77.1577% | 974 |
| Net loans and leases to deposits | 86.6977% | 1,696 |
| Net loans and leases to core deposits | 98.3332% | 1,390 |
| Total domestic deposits to total assets | 88.9963% | 745 |
| Equity capital to assets | 8.7171% | 4,337 |
| Core capital (leverage) ratio | 8.6425% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,803,667 | 1,626 |
| Average earning assets | $436,621,667 | 1,592 |
| Average equity | $42,257,333 | 1,911 |
| Average total loans | $367,092,667 | 1,440 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,956 |
| Cost of funding earning assets | 0.9025% | 1,850 |
| Net interest margin | 3.3870% | 3,333 |
| Noninterest income to average assets | 0.5354% | 2,360 |
| Noninterest expense to average assets | 2.7704% | 2,513 |
| Loan and lease loss provision to assets | 0.0509% | 3,142 |
| Net operating income to assets | 0.7126% | 3,233 |
| Return on assets (ROA) | 0.7126% | 3,310 |
| Pretax return on assets | 0.9171% | 3,089 |
| Return on Equity (ROE) | 7.5575% | 2,711 |
| Retained earnings to average equity (ytd only) | 7.5575% | 1,360 |
| Net charge-offs to loans | 0.0068% | 2,332 |
| Credit loss provision to net charge-offs | 933.3333% | 612 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 373 |
| Efficiency ratio | 74.1065% | 1,800 |
| Assets per employee ($millions) | 5.3874% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,376 |
| Loan loss allowance to noncurrent loans | 2,483.8889% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,412 |
| Noncurrent loans to loans | 0.0504% | 4,349 |
| Net loans and leases to total assets | 78.8277% | 856 |
| Net loans and leases to deposits | 88.9751% | 1,647 |
| Net loans and leases to core deposits | 100.5397% | 1,429 |
| Total domestic deposits to total assets | 88.5953% | 839 |
| Equity capital to assets | 9.2433% | 4,439 |
| Core capital (leverage) ratio | 9.4660% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,077,000 | 1,649 |
| Average earning assets | $416,184,000 | 1,613 |
| Average equity | $41,495,000 | 1,931 |
| Average total loans | $354,389,500 | 1,436 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 3,235 |
| Cost of funding earning assets | 0.9120% | 2,149 |
| Net interest margin | 3.4931% | 3,468 |
| Noninterest income to average assets | 0.7435% | 1,653 |
| Noninterest expense to average assets | 2.8833% | 2,341 |
| Loan and lease loss provision to assets | 0.0858% | 2,294 |
| Net operating income to assets | 0.8319% | 3,447 |
| Return on assets (ROA) | 0.8147% | 3,605 |
| Pretax return on assets | 1.0576% | 3,307 |
| Return on Equity (ROE) | 8.8647% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.8647% | 746 |
| Net charge-offs to loans | 0.0207% | 2,998 |
| Credit loss provision to net charge-offs | 521.1268% | 560 |
| Earnings coverage of net charge-offs (x) | 70.7887% | 882 |
| Efficiency ratio | 71.2191% | 1,985 |
| Assets per employee ($millions) | 5.2168% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,132 |
| Loan loss allowance to noncurrent loans | 696.2205% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 3,904 |
| Noncurrent loans to loans | 0.1805% | 3,810 |
| Net loans and leases to total assets | 80.2322% | 752 |
| Net loans and leases to deposits | 90.9420% | 1,486 |
| Net loans and leases to core deposits | 103.4048% | 1,282 |
| Total domestic deposits to total assets | 88.2235% | 1,021 |
| Equity capital to assets | 9.6208% | 4,253 |
| Core capital (leverage) ratio | 9.4737% | 4,093 |
| Tier 1 risk-based capital ratio | 12.7188% | 3,936 |
| Total risk-based capital ratio | 13.9699% | 3,822 |
| Memoranda: | ||
| Average total assets | $431,338,600 | 1,622 |
| Average earning assets | $408,122,000 | 1,589 |
| Average equity | $39,640,200 | 1,948 |
| Average total loans | $343,184,800 | 1,448 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 3,327 |
| Cost of funding earning assets | 0.9026% | 2,223 |
| Net interest margin | 3.5063% | 3,548 |
| Noninterest income to average assets | 0.7064% | 1,755 |
| Noninterest expense to average assets | 2.8252% | 2,496 |
| Loan and lease loss provision to assets | 0.0959% | 1,994 |
| Net operating income to assets | 0.8421% | 3,538 |
| Return on assets (ROA) | 0.8533% | 3,587 |
| Pretax return on assets | 1.1182% | 3,248 |
| Return on Equity (ROE) | 9.3961% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.3961% | 928 |
| Net charge-offs to loans | 0.0238% | 2,625 |
| Credit loss provision to net charge-offs | 508.1967% | 613 |
| Earnings coverage of net charge-offs (x) | 63.5748% | 1,026 |
| Efficiency ratio | 70.1899% | 2,088 |
| Assets per employee ($millions) | 5.3193% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,318 |
| Loan loss allowance to noncurrent loans | 1,000.2288% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,212 |
| Noncurrent loans to loans | 0.1233% | 4,098 |
| Net loans and leases to total assets | 80.2308% | 821 |
| Net loans and leases to deposits | 91.0006% | 1,568 |
| Net loans and leases to core deposits | 102.7069% | 1,442 |
| Total domestic deposits to total assets | 88.1652% | 966 |
| Equity capital to assets | 9.3886% | 4,534 |
| Core capital (leverage) ratio | 9.4295% | 4,250 |
| Tier 1 risk-based capital ratio | 12.6276% | 4,068 |
| Total risk-based capital ratio | 13.8788% | 3,941 |
| Memoranda: | ||
| Average total assets | $430,923,750 | 1,634 |
| Average earning assets | $407,862,000 | 1,599 |
| Average equity | $39,135,750 | 1,982 |
| Average total loans | $341,024,750 | 1,468 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 3,356 |
| Cost of funding earning assets | 0.8977% | 2,156 |
| Net interest margin | 3.4939% | 3,615 |
| Noninterest income to average assets | 0.6706% | 1,834 |
| Noninterest expense to average assets | 2.8240% | 2,504 |
| Loan and lease loss provision to assets | 0.0620% | 2,580 |
| Net operating income to assets | 0.8346% | 3,525 |
| Return on assets (ROA) | 0.8505% | 3,524 |
| Pretax return on assets | 1.1128% | 3,196 |
| Return on Equity (ROE) | 9.4730% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.4730% | 915 |
| Net charge-offs to loans | 0.0357% | 2,156 |
| Credit loss provision to net charge-offs | 221.6667% | 1,128 |
| Earnings coverage of net charge-offs (x) | 41.3000% | 1,225 |
| Efficiency ratio | 70.9768% | 2,074 |
| Assets per employee ($millions) | 5.1735% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,409 |
| Loan loss allowance to noncurrent loans | 1,431.7406% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,415 |
| Noncurrent loans to loans | 0.0853% | 4,300 |
| Net loans and leases to total assets | 78.9831% | 1,042 |
| Net loans and leases to deposits | 89.1775% | 1,834 |
| Net loans and leases to core deposits | 100.0086% | 1,722 |
| Total domestic deposits to total assets | 88.5684% | 848 |
| Equity capital to assets | 9.2648% | 4,601 |
| Core capital (leverage) ratio | 9.2250% | 4,430 |
| Tier 1 risk-based capital ratio | 12.8118% | 3,938 |
| Total risk-based capital ratio | 14.0631% | 3,842 |
| Memoranda: | ||
| Average total assets | $429,172,000 | 1,640 |
| Average earning assets | $406,370,330 | 1,607 |
| Average equity | $38,530,670 | 1,998 |
| Average total loans | $336,592,670 | 1,483 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 3,344 |
| Cost of funding earning assets | 0.8872% | 2,062 |
| Net interest margin | 3.4820% | 3,647 |
| Noninterest income to average assets | 0.6228% | 1,948 |
| Noninterest expense to average assets | 2.7567% | 2,719 |
| Loan and lease loss provision to assets | 0.0522% | 2,617 |
| Net operating income to assets | 0.8469% | 3,464 |
| Return on assets (ROA) | 0.8521% | 3,487 |
| Pretax return on assets | 1.1169% | 3,101 |
| Return on Equity (ROE) | 9.6453% | 2,524 |
| Retained earnings to average equity (ytd only) | 9.6453% | 1,122 |
| Net charge-offs to loans | 0.0060% | 2,486 |
| Credit loss provision to net charge-offs | 1,120.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 249.4000% | 323 |
| Efficiency ratio | 70.3378% | 2,284 |
| Assets per employee ($millions) | 5.3856% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,314 |
| Loan loss allowance to noncurrent loans | 1,133.9674% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,386 |
| Noncurrent loans to loans | 0.1104% | 4,239 |
| Net loans and leases to total assets | 75.4592% | 1,574 |
| Net loans and leases to deposits | 85.2314% | 2,224 |
| Net loans and leases to core deposits | 96.7786% | 1,874 |
| Total domestic deposits to total assets | 88.5346% | 1,068 |
| Equity capital to assets | 8.8207% | 4,808 |
| Core capital (leverage) ratio | 9.0470% | 4,623 |
| Tier 1 risk-based capital ratio | 13.0965% | 3,831 |
| Total risk-based capital ratio | 14.3485% | 3,741 |
| Memoranda: | ||
| Average total assets | $429,059,000 | 1,638 |
| Average earning assets | $406,199,000 | 1,611 |
| Average equity | $37,904,500 | 2,020 |
| Average total loans | $333,215,500 | 1,505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 3,231 |
| Cost of funding earning assets | 0.7549% | 1,762 |
| Net interest margin | 3.5086% | 3,680 |
| Noninterest income to average assets | 0.8004% | 1,445 |
| Noninterest expense to average assets | 2.8665% | 2,462 |
| Loan and lease loss provision to assets | 0.1183% | 1,861 |
| Net operating income to assets | 0.8746% | 3,521 |
| Return on assets (ROA) | 0.8700% | 3,530 |
| Pretax return on assets | 1.1172% | 3,213 |
| Return on Equity (ROE) | 9.5777% | 2,702 |
| Retained earnings to average equity (ytd only) | 9.5777% | 715 |
| Net charge-offs to loans | 0.0035% | 3,608 |
| Credit loss provision to net charge-offs | 4,236.3636% | 120 |
| Earnings coverage of net charge-offs (x) | 444.6364% | 239 |
| Efficiency ratio | 69.7825% | 2,226 |
| Assets per employee ($millions) | 5.2736% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,364 |
| Loan loss allowance to noncurrent loans | 993.2530% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,337 |
| Noncurrent loans to loans | 0.1246% | 4,171 |
| Net loans and leases to total assets | 77.9734% | 1,275 |
| Net loans and leases to deposits | 89.2266% | 1,903 |
| Net loans and leases to core deposits | 103.0464% | 1,507 |
| Total domestic deposits to total assets | 87.3880% | 1,588 |
| Equity capital to assets | 8.8484% | 4,694 |
| Core capital (leverage) ratio | 9.0397% | 4,614 |
| Tier 1 risk-based capital ratio | 12.6995% | 4,012 |
| Total risk-based capital ratio | 13.9510% | 3,900 |
| Memoranda: | ||
| Average total assets | $394,038,000 | 1,743 |
| Average earning assets | $371,433,600 | 1,717 |
| Average equity | $35,791,600 | 2,043 |
| Average total loans | $312,561,600 | 1,543 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 3,245 |
| Cost of funding earning assets | 0.7123% | 1,787 |
| Net interest margin | 3.5091% | 3,667 |
| Noninterest income to average assets | 0.8267% | 1,388 |
| Noninterest expense to average assets | 2.8476% | 2,464 |
| Loan and lease loss provision to assets | 0.1219% | 1,650 |
| Net operating income to assets | 0.8992% | 3,535 |
| Return on assets (ROA) | 0.8987% | 3,540 |
| Pretax return on assets | 1.1605% | 3,160 |
| Return on Equity (ROE) | 9.8246% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.8246% | 977 |
| Net charge-offs to loans | 0.0004% | 3,481 |
| Credit loss provision to net charge-offs | 35,400.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 3,734.2406% | 14 |
| Efficiency ratio | 68.9376% | 2,368 |
| Assets per employee ($millions) | 4.9863% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.4304% | 1,269 |
| Net loans and leases to deposits | 90.4499% | 1,831 |
| Net loans and leases to core deposits | 102.8434% | 1,539 |
| Total domestic deposits to total assets | 86.7114% | 1,864 |
| Equity capital to assets | 9.0619% | 4,496 |
| Core capital (leverage) ratio | 9.1724% | 4,541 |
| Tier 1 risk-based capital ratio | 12.4701% | 4,212 |
| Total risk-based capital ratio | 13.7211% | 4,103 |
| Memoranda: | ||
| Average total assets | $387,076,250 | 1,780 |
| Average earning assets | $364,455,000 | 1,753 |
| Average equity | $35,407,000 | 2,065 |
| Average total loans | $307,432,000 | 1,567 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 3,214 |
| Cost of funding earning assets | 0.6905% | 1,678 |
| Net interest margin | 3.4777% | 3,710 |
| Noninterest income to average assets | 0.8394% | 1,352 |
| Noninterest expense to average assets | 2.8490% | 2,506 |
| Loan and lease loss provision to assets | 0.1148% | 1,726 |
| Net operating income to assets | 0.8890% | 3,503 |
| Return on assets (ROA) | 0.8881% | 3,511 |
| Pretax return on assets | 1.1435% | 3,155 |
| Return on Equity (ROE) | 9.6774% | 2,725 |
| Retained earnings to average equity (ytd only) | 9.6774% | 1,018 |
| Net charge-offs to loans | -0.0145% | 4,446 |
| Credit loss provision to net charge-offs | -995.4545% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3466% | 2,417 |
| Assets per employee ($millions) | 4.9104% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,504 |
| Loan loss allowance to noncurrent loans | 7,973.4694% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,977 |
| Noncurrent loans to loans | 0.0155% | 4,877 |
| Net loans and leases to total assets | 79.3462% | 1,116 |
| Net loans and leases to deposits | 91.6031% | 1,632 |
| Net loans and leases to core deposits | 101.7331% | 1,580 |
| Total domestic deposits to total assets | 86.6195% | 2,008 |
| Equity capital to assets | 9.1077% | 4,474 |
| Core capital (leverage) ratio | 9.3064% | 4,357 |
| Tier 1 risk-based capital ratio | 12.4067% | 4,241 |
| Total risk-based capital ratio | 13.6579% | 4,136 |
| Memoranda: | ||
| Average total assets | $381,472,670 | 1,807 |
| Average earning assets | $358,572,000 | 1,784 |
| Average equity | $35,009,330 | 2,088 |
| Average total loans | $302,979,330 | 1,587 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,202 |
| Cost of funding earning assets | 0.6634% | 1,639 |
| Net interest margin | 3.4472% | 3,717 |
| Noninterest income to average assets | 0.8302% | 1,362 |
| Noninterest expense to average assets | 2.9059% | 2,346 |
| Loan and lease loss provision to assets | 0.0671% | 2,429 |
| Net operating income to assets | 0.8547% | 3,479 |
| Return on assets (ROA) | 0.8547% | 3,496 |
| Pretax return on assets | 1.0985% | 3,179 |
| Return on Equity (ROE) | 9.2765% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.2765% | 1,372 |
| Net charge-offs to loans | -0.0458% | 4,933 |
| Credit loss provision to net charge-offs | -185.2941% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3725% | 2,287 |
| Assets per employee ($millions) | 4.8916% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,507 |
| Loan loss allowance to noncurrent loans | 62,733.3333% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,114 |
| Noncurrent loans to loans | 0.0020% | 5,022 |
| Net loans and leases to total assets | 76.8161% | 1,410 |
| Net loans and leases to deposits | 88.6467% | 1,850 |
| Net loans and leases to core deposits | 98.9246% | 1,773 |
| Total domestic deposits to total assets | 86.6542% | 2,253 |
| Equity capital to assets | 9.0514% | 4,501 |
| Core capital (leverage) ratio | 9.4577% | 4,112 |
| Tier 1 risk-based capital ratio | 12.5342% | 4,218 |
| Total risk-based capital ratio | 13.7853% | 4,122 |
| Memoranda: | ||
| Average total assets | $375,792,500 | 1,842 |
| Average earning assets | $353,334,500 | 1,821 |
| Average equity | $34,625,000 | 2,117 |
| Average total loans | $296,666,500 | 1,621 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,117 |
| Cost of funding earning assets | 0.6411% | 1,352 |
| Net interest margin | 3.4407% | 3,723 |
| Noninterest income to average assets | 0.9158% | 1,227 |
| Noninterest expense to average assets | 2.9468% | 2,293 |
| Loan and lease loss provision to assets | 0.0817% | 2,565 |
| Net operating income to assets | 0.6476% | 3,827 |
| Return on assets (ROA) | 0.6447% | 3,873 |
| Pretax return on assets | 1.1094% | 3,146 |
| Return on Equity (ROE) | 6.8603% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.8603% | 1,135 |
| Net charge-offs to loans | 0.0312% | 3,177 |
| Credit loss provision to net charge-offs | 332.1839% | 868 |
| Earnings coverage of net charge-offs (x) | 48.6207% | 1,107 |
| Efficiency ratio | 71.1381% | 2,374 |
| Assets per employee ($millions) | 4.5644% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,454 |
| Loan loss allowance to noncurrent loans | 2,582.3944% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,943 |
| Noncurrent loans to loans | 0.0485% | 4,776 |
| Net loans and leases to total assets | 79.1613% | 1,087 |
| Net loans and leases to deposits | 92.5293% | 1,443 |
| Net loans and leases to core deposits | 104.1178% | 1,407 |
| Total domestic deposits to total assets | 85.5527% | 2,631 |
| Equity capital to assets | 9.3858% | 4,347 |
| Core capital (leverage) ratio | 9.5486% | 3,980 |
| Tier 1 risk-based capital ratio | 13.0584% | 3,877 |
| Total risk-based capital ratio | 14.3102% | 3,777 |
| Memoranda: | ||
| Average total assets | $353,802,600 | 1,898 |
| Average earning assets | $331,796,800 | 1,885 |
| Average equity | $33,249,400 | 2,162 |
| Average total loans | $279,182,800 | 1,664 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 3,165 |
| Cost of funding earning assets | 0.6377% | 1,319 |
| Net interest margin | 3.4157% | 3,792 |
| Noninterest income to average assets | 0.8867% | 1,315 |
| Noninterest expense to average assets | 2.9240% | 2,323 |
| Loan and lease loss provision to assets | 0.0703% | 2,674 |
| Net operating income to assets | 0.7621% | 3,685 |
| Return on assets (ROA) | 0.7579% | 3,762 |
| Pretax return on assets | 1.0911% | 3,334 |
| Return on Equity (ROE) | 8.0619% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.0619% | 1,195 |
| Net charge-offs to loans | 0.0435% | 2,570 |
| Credit loss provision to net charge-offs | 205.5556% | 1,321 |
| Earnings coverage of net charge-offs (x) | 34.1436% | 1,452 |
| Efficiency ratio | 71.4670% | 2,287 |
| Assets per employee ($millions) | 4.6315% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,610 |
| Loan loss allowance to noncurrent loans | 594.3239% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,444 |
| Noncurrent loans to loans | 0.2113% | 4,223 |
| Net loans and leases to total assets | 77.4856% | 1,352 |
| Net loans and leases to deposits | 90.0235% | 1,806 |
| Net loans and leases to core deposits | 102.5964% | 1,499 |
| Total domestic deposits to total assets | 86.0727% | 2,281 |
| Equity capital to assets | 9.4197% | 4,525 |
| Core capital (leverage) ratio | 9.5639% | 4,078 |
| Tier 1 risk-based capital ratio | 14.0902% | 3,401 |
| Total risk-based capital ratio | 15.3431% | 3,311 |
| Memoranda: | ||
| Average total assets | $350,966,250 | 1,917 |
| Average earning assets | $329,291,500 | 1,910 |
| Average equity | $32,993,750 | 2,187 |
| Average total loans | $275,797,750 | 1,687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,079 |
| Cost of funding earning assets | 0.6327% | 1,245 |
| Net interest margin | 3.3995% | 3,770 |
| Noninterest income to average assets | 0.8736% | 1,352 |
| Noninterest expense to average assets | 2.9551% | 2,252 |
| Loan and lease loss provision to assets | 0.0719% | 2,531 |
| Net operating income to assets | 0.7274% | 3,724 |
| Return on assets (ROA) | 0.7274% | 3,788 |
| Pretax return on assets | 1.0347% | 3,430 |
| Return on Equity (ROE) | 7.7430% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.7430% | 1,262 |
| Net charge-offs to loans | 0.0425% | 2,344 |
| Credit loss provision to net charge-offs | 215.5172% | 1,203 |
| Earnings coverage of net charge-offs (x) | 33.1552% | 1,396 |
| Efficiency ratio | 72.7543% | 2,225 |
| Assets per employee ($millions) | 4.4741% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,547 |
| Loan loss allowance to noncurrent loans | 630.7143% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,548 |
| Noncurrent loans to loans | 0.2021% | 4,308 |
| Net loans and leases to total assets | 77.4037% | 1,331 |
| Net loans and leases to deposits | 90.2826% | 1,688 |
| Net loans and leases to core deposits | 103.1501% | 1,428 |
| Total domestic deposits to total assets | 85.7349% | 2,510 |
| Equity capital to assets | 9.4340% | 4,479 |
| Core capital (leverage) ratio | 9.6093% | 4,012 |
| Tier 1 risk-based capital ratio | 13.8330% | 3,515 |
| Total risk-based capital ratio | 15.0859% | 3,435 |
| Memoranda: | ||
| Average total assets | $347,537,000 | 1,935 |
| Average earning assets | $325,926,670 | 1,928 |
| Average equity | $32,648,670 | 2,197 |
| Average total loans | $273,237,000 | 1,699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,024 |
| Cost of funding earning assets | 0.6331% | 1,170 |
| Net interest margin | 3.3718% | 3,752 |
| Noninterest income to average assets | 0.7592% | 1,714 |
| Noninterest expense to average assets | 2.9265% | 2,372 |
| Loan and lease loss provision to assets | 0.0522% | 2,768 |
| Net operating income to assets | 0.6744% | 3,813 |
| Return on assets (ROA) | 0.6744% | 3,853 |
| Pretax return on assets | 0.9461% | 3,605 |
| Return on Equity (ROE) | 7.1949% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.1949% | 1,782 |
| Net charge-offs to loans | 0.0840% | 1,509 |
| Credit loss provision to net charge-offs | 78.9474% | 1,760 |
| Earnings coverage of net charge-offs (x) | 15.0877% | 1,691 |
| Efficiency ratio | 74.5637% | 2,132 |
| Assets per employee ($millions) | 4.3641% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,720 |
| Loan loss allowance to noncurrent loans | 933.2432% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,544 |
| Noncurrent loans to loans | 0.1355% | 4,647 |
| Net loans and leases to total assets | 77.1992% | 1,242 |
| Net loans and leases to deposits | 89.4123% | 1,614 |
| Net loans and leases to core deposits | 102.7498% | 1,313 |
| Total domestic deposits to total assets | 86.3407% | 2,520 |
| Equity capital to assets | 9.3362% | 4,459 |
| Core capital (leverage) ratio | 9.4551% | 4,170 |
| Tier 1 risk-based capital ratio | 13.1560% | 3,990 |
| Total risk-based capital ratio | 14.4079% | 3,897 |
| Memoranda: | ||
| Average total assets | $344,577,500 | 1,966 |
| Average earning assets | $323,503,500 | 1,948 |
| Average equity | $32,300,500 | 2,224 |
| Average total loans | $271,295,500 | 1,720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,385 |
| Cost of funding earning assets | 0.6629% | 990 |
| Net interest margin | 3.2870% | 4,181 |
| Noninterest income to average assets | 0.9015% | 1,408 |
| Noninterest expense to average assets | 3.0181% | 2,294 |
| Loan and lease loss provision to assets | 0.1846% | 1,282 |
| Net operating income to assets | 0.5878% | 4,263 |
| Return on assets (ROA) | 0.5979% | 4,327 |
| Pretax return on assets | 0.7925% | 4,200 |
| Return on Equity (ROE) | 6.3504% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.3504% | 1,528 |
| Net charge-offs to loans | 0.1824% | 1,518 |
| Credit loss provision to net charge-offs | 132.1739% | 2,042 |
| Earnings coverage of net charge-offs (x) | 6.9000% | 3,100 |
| Efficiency ratio | 75.7969% | 2,013 |
| Assets per employee ($millions) | 4.2504% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,625 |
| Loan loss allowance to noncurrent loans | 495.0000% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,364 |
| Noncurrent loans to loans | 0.2596% | 4,221 |
| Net loans and leases to total assets | 78.2729% | 1,162 |
| Net loans and leases to deposits | 90.6957% | 1,606 |
| Net loans and leases to core deposits | 105.0328% | 1,203 |
| Total domestic deposits to total assets | 86.3027% | 2,458 |
| Equity capital to assets | 9.4127% | 4,360 |
| Core capital (leverage) ratio | 9.4582% | 4,142 |
| Tier 1 risk-based capital ratio | 13.8028% | 3,577 |
| Total risk-based capital ratio | 15.0556% | 3,487 |
| Memoranda: | ||
| Average total assets | $329,341,800 | 2,007 |
| Average earning assets | $308,637,000 | 1,984 |
| Average equity | $31,006,000 | 2,293 |
| Average total loans | $252,134,400 | 1,779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,495 |
| Cost of funding earning assets | 0.6657% | 973 |
| Net interest margin | 3.2634% | 4,297 |
| Noninterest income to average assets | 0.8983% | 1,410 |
| Noninterest expense to average assets | 3.0607% | 2,124 |
| Loan and lease loss provision to assets | 0.1833% | 1,197 |
| Net operating income to assets | 0.5441% | 4,516 |
| Return on assets (ROA) | 0.5441% | 4,628 |
| Pretax return on assets | 0.7139% | 4,573 |
| Return on Equity (ROE) | 5.7787% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.7787% | 2,314 |
| Net charge-offs to loans | 0.2481% | 946 |
| Credit loss provision to net charge-offs | 97.3970% | 2,418 |
| Earnings coverage of net charge-offs (x) | 4.7679% | 3,224 |
| Efficiency ratio | 77.3332% | 1,788 |
| Assets per employee ($millions) | 4.1784% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,870 |
| Loan loss allowance to noncurrent loans | 276.5690% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 3,429 |
| Noncurrent loans to loans | 0.4570% | 3,645 |
| Net loans and leases to total assets | 76.2896% | 1,480 |
| Net loans and leases to deposits | 88.7960% | 1,918 |
| Net loans and leases to core deposits | 103.6494% | 1,370 |
| Total domestic deposits to total assets | 85.9155% | 2,399 |
| Equity capital to assets | 9.3098% | 4,854 |
| Core capital (leverage) ratio | 9.4479% | 4,255 |
| Tier 1 risk-based capital ratio | 13.7947% | 3,672 |
| Total risk-based capital ratio | 15.0471% | 3,599 |
| Memoranda: | ||
| Average total assets | $326,669,500 | 2,028 |
| Average earning assets | $306,253,500 | 2,008 |
| Average equity | $30,756,000 | 2,314 |
| Average total loans | $247,763,750 | 1,806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,540 |
| Cost of funding earning assets | 0.6648% | 962 |
| Net interest margin | 3.2560% | 4,361 |
| Noninterest income to average assets | 0.8583% | 1,514 |
| Noninterest expense to average assets | 3.1189% | 2,007 |
| Loan and lease loss provision to assets | 0.1871% | 1,161 |
| Net operating income to assets | 0.4803% | 4,764 |
| Return on assets (ROA) | 0.4803% | 4,861 |
| Pretax return on assets | 0.6023% | 4,878 |
| Return on Equity (ROE) | 5.0811% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.0811% | 2,676 |
| Net charge-offs to loans | 0.3775% | 612 |
| Credit loss provision to net charge-offs | 65.7952% | 2,515 |
| Earnings coverage of net charge-offs (x) | 2.7756% | 3,209 |
| Efficiency ratio | 79.8002% | 1,517 |
| Assets per employee ($millions) | 4.2319% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 3,014 |
| Loan loss allowance to noncurrent loans | 453.3716% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 3,730 |
| Noncurrent loans to loans | 0.2778% | 4,373 |
| Net loans and leases to total assets | 76.0132% | 1,490 |
| Net loans and leases to deposits | 88.5840% | 1,910 |
| Net loans and leases to core deposits | 103.3130% | 1,376 |
| Total domestic deposits to total assets | 85.8092% | 2,513 |
| Equity capital to assets | 9.5004% | 4,765 |
| Core capital (leverage) ratio | 9.4105% | 4,322 |
| Tier 1 risk-based capital ratio | 14.4026% | 3,378 |
| Total risk-based capital ratio | 15.6555% | 3,301 |
| Memoranda: | ||
| Average total assets | $322,742,670 | 2,060 |
| Average earning assets | $302,335,330 | 2,042 |
| Average equity | $30,505,000 | 2,336 |
| Average total loans | $243,182,670 | 1,839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,713 |
| Cost of funding earning assets | 0.6479% | 1,069 |
| Net interest margin | 3.2169% | 4,527 |
| Noninterest income to average assets | 0.7908% | 1,660 |
| Noninterest expense to average assets | 3.0599% | 2,212 |
| Loan and lease loss provision to assets | 0.0922% | 2,143 |
| Net operating income to assets | 0.5119% | 4,581 |
| Return on assets (ROA) | 0.5119% | 4,689 |
| Pretax return on assets | 0.6563% | 4,663 |
| Return on Equity (ROE) | 5.4296% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,695 |
| Net charge-offs to loans | 0.0301% | 2,347 |
| Credit loss provision to net charge-offs | 411.1111% | 700 |
| Earnings coverage of net charge-offs (x) | 33.3889% | 1,119 |
| Efficiency ratio | 80.3466% | 1,566 |
| Assets per employee ($millions) | 4.2252% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 2,424 |
| Loan loss allowance to noncurrent loans | 160.8488% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 3,151 |
| Noncurrent loans to loans | 0.8703% | 2,669 |
| Net loans and leases to total assets | 72.0922% | 2,024 |
| Net loans and leases to deposits | 84.2132% | 2,281 |
| Net loans and leases to core deposits | 99.1503% | 1,550 |
| Total domestic deposits to total assets | 85.6067% | 2,862 |
| Equity capital to assets | 9.2619% | 4,932 |
| Core capital (leverage) ratio | 9.6029% | 4,032 |
| Tier 1 risk-based capital ratio | 14.0770% | 3,639 |
| Total risk-based capital ratio | 15.3309% | 3,570 |
| Memoranda: | ||
| Average total assets | $321,184,500 | 2,076 |
| Average earning assets | $301,288,500 | 2,052 |
| Average equity | $30,278,500 | 2,353 |
| Average total loans | $239,346,000 | 1,863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,742 |
| Cost of funding earning assets | 0.6159% | 1,273 |
| Net interest margin | 3.2735% | 4,400 |
| Noninterest income to average assets | 1.0427% | 1,088 |
| Noninterest expense to average assets | 3.0863% | 2,278 |
| Loan and lease loss provision to assets | 0.1732% | 1,316 |
| Net operating income to assets | 0.6367% | 4,103 |
| Return on assets (ROA) | 0.6465% | 4,147 |
| Pretax return on assets | 0.8581% | 3,993 |
| Return on Equity (ROE) | 6.6363% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.6363% | 1,474 |
| Net charge-offs to loans | 0.3192% | 939 |
| Credit loss provision to net charge-offs | 72.9958% | 3,075 |
| Earnings coverage of net charge-offs (x) | 4.2911% | 3,583 |
| Efficiency ratio | 75.1911% | 2,397 |
| Assets per employee ($millions) | 4.0624% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,444 |
| Loan loss allowance to noncurrent loans | 172.3117% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 3,219 |
| Noncurrent loans to loans | 0.8097% | 2,760 |
| Net loans and leases to total assets | 74.9387% | 1,580 |
| Net loans and leases to deposits | 88.2017% | 1,855 |
| Net loans and leases to core deposits | 101.9936% | 1,362 |
| Total domestic deposits to total assets | 84.9628% | 3,110 |
| Equity capital to assets | 9.6012% | 4,433 |
| Core capital (leverage) ratio | 9.8683% | 3,693 |
| Tier 1 risk-based capital ratio | 15.7790% | 2,792 |
| Total risk-based capital ratio | 17.0348% | 2,727 |
| Memoranda: | ||
| Average total assets | $299,617,200 | 2,147 |
| Average earning assets | $280,248,000 | 2,136 |
| Average equity | $29,188,000 | 2,380 |
| Average total loans | $222,732,000 | 1,906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 3,727 |
| Cost of funding earning assets | 0.6157% | 1,309 |
| Net interest margin | 3.2915% | 4,389 |
| Noninterest income to average assets | 1.0439% | 1,095 |
| Noninterest expense to average assets | 3.0592% | 2,337 |
| Loan and lease loss provision to assets | 0.0630% | 2,924 |
| Net operating income to assets | 0.7223% | 3,807 |
| Return on assets (ROA) | 0.7330% | 3,858 |
| Pretax return on assets | 1.0155% | 3,552 |
| Return on Equity (ROE) | 7.4955% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.4955% | 1,445 |
| Net charge-offs to loans | 0.0116% | 3,773 |
| Credit loss provision to net charge-offs | 736.8421% | 471 |
| Earnings coverage of net charge-offs (x) | 124.4343% | 519 |
| Efficiency ratio | 74.2006% | 2,521 |
| Assets per employee ($millions) | 3.9025% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 1,799 |
| Loan loss allowance to noncurrent loans | 518.5714% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,829 |
| Noncurrent loans to loans | 0.3081% | 4,500 |
| Net loans and leases to total assets | 74.3957% | 1,659 |
| Net loans and leases to deposits | 85.7381% | 2,172 |
| Net loans and leases to core deposits | 98.9361% | 1,611 |
| Total domestic deposits to total assets | 86.7709% | 2,154 |
| Equity capital to assets | 9.9173% | 4,265 |
| Core capital (leverage) ratio | 9.8630% | 3,817 |
| Tier 1 risk-based capital ratio | 16.2068% | 2,709 |
| Total risk-based capital ratio | 17.4659% | 2,664 |
| Memoranda: | ||
| Average total assets | $296,320,250 | 2,182 |
| Average earning assets | $277,194,000 | 2,171 |
| Average equity | $28,976,750 | 2,405 |
| Average total loans | $218,982,750 | 1,938 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 3,738 |
| Cost of funding earning assets | 0.6091% | 1,352 |
| Net interest margin | 3.2789% | 4,380 |
| Noninterest income to average assets | 1.0016% | 1,179 |
| Noninterest expense to average assets | 3.0658% | 2,349 |
| Loan and lease loss provision to assets | 0.0027% | 4,029 |
| Net operating income to assets | 0.7212% | 3,785 |
| Return on assets (ROA) | 0.7446% | 3,761 |
| Pretax return on assets | 1.0321% | 3,448 |
| Return on Equity (ROE) | 7.6510% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.6510% | 1,407 |
| Net charge-offs to loans | 0.0055% | 3,706 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 246.3333% | 283 |
| Efficiency ratio | 75.3626% | 2,482 |
| Assets per employee ($millions) | 3.9449% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 1,934 |
| Loan loss allowance to noncurrent loans | 315.9459% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,392 |
| Noncurrent loans to loans | 0.5039% | 3,950 |
| Net loans and leases to total assets | 73.2676% | 1,776 |
| Net loans and leases to deposits | 83.7565% | 2,341 |
| Net loans and leases to core deposits | 97.3146% | 1,700 |
| Total domestic deposits to total assets | 87.4769% | 1,920 |
| Equity capital to assets | 9.8719% | 4,186 |
| Core capital (leverage) ratio | 9.8283% | 3,831 |
| Tier 1 risk-based capital ratio | 15.7904% | 2,959 |
| Total risk-based capital ratio | 17.0484% | 2,917 |
| Memoranda: | ||
| Average total assets | $294,928,330 | 2,209 |
| Average earning assets | $275,826,330 | 2,192 |
| Average equity | $28,702,000 | 2,438 |
| Average total loans | $216,248,330 | 1,962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,663 |
| Cost of funding earning assets | 0.5999% | 1,439 |
| Net interest margin | 3.2902% | 4,260 |
| Noninterest income to average assets | 0.8178% | 1,645 |
| Noninterest expense to average assets | 3.0918% | 2,298 |
| Loan and lease loss provision to assets | -0.0068% | 6,091 |
| Net operating income to assets | 0.6086% | 4,248 |
| Return on assets (ROA) | 0.6575% | 4,140 |
| Pretax return on assets | 0.8748% | 3,985 |
| Return on Equity (ROE) | 6.8052% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.8052% | 2,095 |
| Net charge-offs to loans | -0.0299% | 5,248 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3861% | 1,973 |
| Assets per employee ($millions) | 3.9355% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,970 |
| Loan loss allowance to noncurrent loans | 630.8244% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,203 |
| Noncurrent loans to loans | 0.2570% | 4,863 |
| Net loans and leases to total assets | 71.4280% | 1,911 |
| Net loans and leases to deposits | 81.6986% | 2,374 |
| Net loans and leases to core deposits | 94.8571% | 1,701 |
| Total domestic deposits to total assets | 87.4286% | 2,153 |
| Equity capital to assets | 9.6005% | 4,638 |
| Core capital (leverage) ratio | 9.8195% | 3,859 |
| Tier 1 risk-based capital ratio | 13.9467% | 4,060 |
| Total risk-based capital ratio | 15.2022% | 3,978 |
| Memoranda: | ||
| Average total assets | $294,458,000 | 2,223 |
| Average earning assets | $275,364,500 | 2,211 |
| Average equity | $28,449,000 | 2,469 |
| Average total loans | $214,231,000 | 1,983 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,710 |
| Cost of funding earning assets | 0.6697% | 1,269 |
| Net interest margin | 3.3364% | 4,451 |
| Noninterest income to average assets | 0.9287% | 1,417 |
| Noninterest expense to average assets | 3.1944% | 2,229 |
| Loan and lease loss provision to assets | 0.0483% | 3,602 |
| Net operating income to assets | 0.5960% | 4,389 |
| Return on assets (ROA) | 0.6171% | 4,393 |
| Pretax return on assets | 0.8151% | 4,206 |
| Return on Equity (ROE) | 6.2961% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.2961% | 1,755 |
| Net charge-offs to loans | -0.0324% | 5,810 |
| Credit loss provision to net charge-offs | -203.0303% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2644% | 2,026 |
| Assets per employee ($millions) | 3.9164% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,891 |
| Loan loss allowance to noncurrent loans | 788.5393% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,409 |
| Noncurrent loans to loans | 0.2106% | 5,061 |
| Net loans and leases to total assets | 71.6979% | 1,956 |
| Net loans and leases to deposits | 81.8604% | 2,490 |
| Net loans and leases to core deposits | 94.9924% | 1,815 |
| Total domestic deposits to total assets | 87.5856% | 1,987 |
| Equity capital to assets | 9.7244% | 4,434 |
| Core capital (leverage) ratio | 9.8623% | 3,758 |
| Tier 1 risk-based capital ratio | 15.5136% | 3,226 |
| Total risk-based capital ratio | 16.7723% | 3,153 |
| Memoranda: | ||
| Average total assets | $277,268,000 | 2,302 |
| Average earning assets | $257,733,000 | 2,291 |
| Average equity | $27,175,600 | 2,476 |
| Average total loans | $203,891,000 | 2,005 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,600 |
| Cost of funding earning assets | 0.6771% | 1,279 |
| Net interest margin | 3.3610% | 4,388 |
| Noninterest income to average assets | 0.9392% | 1,398 |
| Noninterest expense to average assets | 3.2495% | 2,030 |
| Loan and lease loss provision to assets | 0.0627% | 3,098 |
| Net operating income to assets | 0.5813% | 4,532 |
| Return on assets (ROA) | 0.5851% | 4,594 |
| Pretax return on assets | 0.7534% | 4,520 |
| Return on Equity (ROE) | 5.9574% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.9574% | 2,440 |
| Net charge-offs to loans | 0.1300% | 2,496 |
| Credit loss provision to net charge-offs | 65.4822% | 2,842 |
| Earnings coverage of net charge-offs (x) | 8.4670% | 2,796 |
| Efficiency ratio | 80.0216% | 1,913 |
| Assets per employee ($millions) | 3.7580% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,414 |
| Loan loss allowance to noncurrent loans | 435.0336% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 5,182 |
| Noncurrent loans to loans | 0.3611% | 4,825 |
| Net loans and leases to total assets | 73.0179% | 1,680 |
| Net loans and leases to deposits | 83.4045% | 2,238 |
| Net loans and leases to core deposits | 96.6083% | 1,626 |
| Total domestic deposits to total assets | 87.5467% | 2,011 |
| Equity capital to assets | 9.9401% | 4,244 |
| Core capital (leverage) ratio | 9.8687% | 3,856 |
| Tier 1 risk-based capital ratio | 15.2954% | 3,423 |
| Total risk-based capital ratio | 16.5521% | 3,360 |
| Memoranda: | ||
| Average total assets | $274,131,000 | 2,345 |
| Average earning assets | $254,597,250 | 2,322 |
| Average equity | $26,923,750 | 2,497 |
| Average total loans | $202,038,500 | 2,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,544 |
| Cost of funding earning assets | 0.6819% | 1,297 |
| Net interest margin | 3.3677% | 4,323 |
| Noninterest income to average assets | 0.8709% | 1,589 |
| Noninterest expense to average assets | 3.2455% | 2,063 |
| Loan and lease loss provision to assets | 0.0880% | 2,561 |
| Net operating income to assets | 0.5438% | 4,631 |
| Return on assets (ROA) | 0.5498% | 4,702 |
| Pretax return on assets | 0.6693% | 4,738 |
| Return on Equity (ROE) | 5.6213% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.6213% | 2,565 |
| Net charge-offs to loans | 0.1854% | 1,915 |
| Credit loss provision to net charge-offs | 64.5161% | 2,566 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,915 |
| Efficiency ratio | 81.2294% | 1,850 |
| Assets per employee ($millions) | 3.9210% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 2,478 |
| Loan loss allowance to noncurrent loans | 539.6007% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 5,472 |
| Noncurrent loans to loans | 0.2957% | 5,133 |
| Net loans and leases to total assets | 71.8555% | 1,768 |
| Net loans and leases to deposits | 82.4534% | 2,199 |
| Net loans and leases to core deposits | 95.8431% | 1,615 |
| Total domestic deposits to total assets | 87.1467% | 2,375 |
| Equity capital to assets | 9.7695% | 4,407 |
| Core capital (leverage) ratio | 9.7774% | 3,925 |
| Tier 1 risk-based capital ratio | 15.2231% | 3,512 |
| Total risk-based capital ratio | 16.4803% | 3,457 |
| Memoranda: | ||
| Average total assets | $272,809,670 | 2,354 |
| Average earning assets | $253,113,670 | 2,327 |
| Average equity | $26,684,000 | 2,506 |
| Average total loans | $200,618,000 | 2,043 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,425 |
| Cost of funding earning assets | 0.6764% | 1,396 |
| Net interest margin | 3.3882% | 4,177 |
| Noninterest income to average assets | 0.8859% | 1,440 |
| Noninterest expense to average assets | 3.3242% | 1,894 |
| Loan and lease loss provision to assets | 0.1674% | 1,448 |
| Net operating income to assets | 0.4628% | 4,887 |
| Return on assets (ROA) | 0.4755% | 4,886 |
| Pretax return on assets | 0.5555% | 4,993 |
| Return on Equity (ROE) | 4.8586% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.8586% | 3,201 |
| Net charge-offs to loans | 0.4476% | 808 |
| Credit loss provision to net charge-offs | 50.6726% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.1435% | 2,941 |
| Efficiency ratio | 82.4394% | 1,873 |
| Assets per employee ($millions) | 3.8426% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 2,733 |
| Loan loss allowance to noncurrent loans | 532.2795% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 5,549 |
| Noncurrent loans to loans | 0.2993% | 5,217 |
| Net loans and leases to total assets | 72.4225% | 1,513 |
| Net loans and leases to deposits | 84.2834% | 1,793 |
| Net loans and leases to core deposits | 97.8754% | 1,248 |
| Total domestic deposits to total assets | 85.9273% | 3,403 |
| Equity capital to assets | 9.7652% | 4,147 |
| Core capital (leverage) ratio | 9.9188% | 3,679 |
| Tier 1 risk-based capital ratio | 14.5489% | 3,982 |
| Total risk-based capital ratio | 15.8051% | 3,924 |
| Memoranda: | ||
| Average total assets | $270,020,500 | 2,380 |
| Average earning assets | $250,753,000 | 2,352 |
| Average equity | $26,427,500 | 2,519 |
| Average total loans | $199,287,000 | 2,056 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 4,004 |
| Cost of funding earning assets | 0.7102% | 1,739 |
| Net interest margin | 3.3143% | 4,608 |
| Noninterest income to average assets | 1.3172% | 796 |
| Noninterest expense to average assets | 3.2736% | 2,208 |
| Loan and lease loss provision to assets | 0.1385% | 2,575 |
| Net operating income to assets | 0.7158% | 3,714 |
| Return on assets (ROA) | 0.7863% | 3,470 |
| Pretax return on assets | 1.0880% | 2,991 |
| Return on Equity (ROE) | 8.1338% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.1338% | 1,014 |
| Net charge-offs to loans | 0.1181% | 3,631 |
| Credit loss provision to net charge-offs | 162.9464% | 1,397 |
| Earnings coverage of net charge-offs (x) | 13.2768% | 2,040 |
| Efficiency ratio | 74.3621% | 3,069 |
| Assets per employee ($millions) | 3.8173% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 2,489 |
| Loan loss allowance to noncurrent loans | 326.9763% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 5,111 |
| Noncurrent loans to loans | 0.5117% | 4,715 |
| Net loans and leases to total assets | 72.7799% | 1,548 |
| Net loans and leases to deposits | 85.2013% | 1,790 |
| Net loans and leases to core deposits | 97.5071% | 1,346 |
| Total domestic deposits to total assets | 85.4210% | 3,545 |
| Equity capital to assets | 9.8097% | 4,027 |
| Core capital (leverage) ratio | 9.7941% | 3,845 |
| Tier 1 risk-based capital ratio | 14.4248% | 4,001 |
| Total risk-based capital ratio | 15.6816% | 3,941 |
| Memoranda: | ||
| Average total assets | $263,504,400 | 2,402 |
| Average earning assets | $245,270,000 | 2,373 |
| Average equity | $25,474,000 | 2,588 |
| Average total loans | $189,666,800 | 2,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 4,070 |
| Cost of funding earning assets | 0.7117% | 1,874 |
| Net interest margin | 3.3034% | 4,622 |
| Noninterest income to average assets | 1.3553% | 791 |
| Noninterest expense to average assets | 3.2696% | 2,152 |
| Loan and lease loss provision to assets | 0.0533% | 3,966 |
| Net operating income to assets | 0.7908% | 3,394 |
| Return on assets (ROA) | 0.8074% | 3,439 |
| Pretax return on assets | 1.1313% | 2,976 |
| Return on Equity (ROE) | 8.3828% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.3828% | 1,256 |
| Net charge-offs to loans | 0.1265% | 3,261 |
| Credit loss provision to net charge-offs | 58.9888% | 3,326 |
| Earnings coverage of net charge-offs (x) | 12.8482% | 2,089 |
| Efficiency ratio | 73.7910% | 3,102 |
| Assets per employee ($millions) | 3.7690% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,988 |
| Loan loss allowance to noncurrent loans | 283.1656% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 5,215 |
| Noncurrent loans to loans | 0.5664% | 4,794 |
| Net loans and leases to total assets | 69.9650% | 1,975 |
| Net loans and leases to deposits | 81.9595% | 2,145 |
| Net loans and leases to core deposits | 93.5853% | 1,610 |
| Total domestic deposits to total assets | 85.3654% | 3,557 |
| Equity capital to assets | 9.5313% | 4,512 |
| Core capital (leverage) ratio | 9.6508% | 4,168 |
| Tier 1 risk-based capital ratio | 14.4241% | 4,128 |
| Total risk-based capital ratio | 15.6801% | 4,080 |
| Memoranda: | ||
| Average total assets | $262,577,000 | 2,431 |
| Average earning assets | $244,469,500 | 2,396 |
| Average equity | $25,289,250 | 2,629 |
| Average total loans | $187,636,750 | 2,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,958 |
| Cost of funding earning assets | 0.7120% | 1,984 |
| Net interest margin | 3.3279% | 4,457 |
| Noninterest income to average assets | 1.4389% | 762 |
| Noninterest expense to average assets | 3.2999% | 2,073 |
| Loan and lease loss provision to assets | 0.0393% | 4,162 |
| Net operating income to assets | 0.8497% | 3,045 |
| Return on assets (ROA) | 0.8743% | 3,081 |
| Pretax return on assets | 1.2378% | 2,530 |
| Return on Equity (ROE) | 9.0448% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.0448% | 1,104 |
| Net charge-offs to loans | 0.0215% | 4,407 |
| Credit loss provision to net charge-offs | 255.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 80.6500% | 561 |
| Efficiency ratio | 72.6471% | 3,360 |
| Assets per employee ($millions) | 3.6055% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 2,761 |
| Loan loss allowance to noncurrent loans | 308.7838% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 5,299 |
| Noncurrent loans to loans | 0.5526% | 4,878 |
| Net loans and leases to total assets | 70.0127% | 1,882 |
| Net loans and leases to deposits | 82.1480% | 2,041 |
| Net loans and leases to core deposits | 94.3340% | 1,492 |
| Total domestic deposits to total assets | 85.2275% | 3,781 |
| Equity capital to assets | 9.7235% | 4,266 |
| Core capital (leverage) ratio | 9.7238% | 3,902 |
| Tier 1 risk-based capital ratio | 14.6705% | 3,985 |
| Total risk-based capital ratio | 15.9277% | 3,945 |
| Memoranda: | ||
| Average total assets | $259,646,000 | 2,463 |
| Average earning assets | $242,134,670 | 2,428 |
| Average equity | $25,097,330 | 2,659 |
| Average total loans | $185,862,670 | 2,145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 3,886 |
| Cost of funding earning assets | 0.7117% | 2,119 |
| Net interest margin | 3.3489% | 4,321 |
| Noninterest income to average assets | 1.2161% | 1,028 |
| Noninterest expense to average assets | 3.2637% | 2,177 |
| Loan and lease loss provision to assets | 0.0714% | 3,440 |
| Net operating income to assets | 0.7384% | 3,486 |
| Return on assets (ROA) | 0.7384% | 3,624 |
| Pretax return on assets | 1.0052% | 3,324 |
| Return on Equity (ROE) | 7.6620% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.6620% | 1,872 |
| Net charge-offs to loans | -0.2853% | 6,766 |
| Credit loss provision to net charge-offs | -34.8485% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1966% | 3,061 |
| Assets per employee ($millions) | 3.7069% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,584 |
| Loan loss allowance to noncurrent loans | 354.8250% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 5,500 |
| Noncurrent loans to loans | 0.5103% | 5,152 |
| Net loans and leases to total assets | 69.9234% | 1,674 |
| Net loans and leases to deposits | 82.0066% | 1,828 |
| Net loans and leases to core deposits | 94.7823% | 1,285 |
| Total domestic deposits to total assets | 85.2656% | 3,918 |
| Equity capital to assets | 9.7055% | 4,556 |
| Core capital (leverage) ratio | 9.6586% | 3,837 |
| Tier 1 risk-based capital ratio | 14.9245% | 3,895 |
| Total risk-based capital ratio | 16.1843% | 3,851 |
| Memoranda: | ||
| Average total assets | $257,870,000 | 2,515 |
| Average earning assets | $240,553,500 | 2,467 |
| Average equity | $24,850,000 | 2,719 |
| Average total loans | $185,058,500 | 2,165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 4,530 |
| Cost of funding earning assets | 0.8038% | 2,634 |
| Net interest margin | 3.4104% | 4,843 |
| Noninterest income to average assets | 1.4062% | 785 |
| Noninterest expense to average assets | 3.2214% | 2,546 |
| Loan and lease loss provision to assets | 0.3451% | 1,943 |
| Net operating income to assets | 0.7450% | 3,537 |
| Return on assets (ROA) | 0.7932% | 3,564 |
| Pretax return on assets | 1.0719% | 3,268 |
| Return on Equity (ROE) | 8.4233% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.4233% | 993 |
| Net charge-offs to loans | 0.3777% | 2,741 |
| Credit loss provision to net charge-offs | 131.7073% | 2,124 |
| Earnings coverage of net charge-offs (x) | 5.1601% | 3,130 |
| Efficiency ratio | 70.4393% | 3,725 |
| Assets per employee ($millions) | 4.1332% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,899 |
| Loan loss allowance to noncurrent loans | 314.5978% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 5,503 |
| Noncurrent loans to loans | 0.5433% | 5,167 |
| Net loans and leases to total assets | 71.0863% | 1,633 |
| Net loans and leases to deposits | 83.4719% | 1,818 |
| Net loans and leases to core deposits | 95.1472% | 1,377 |
| Total domestic deposits to total assets | 85.1619% | 3,785 |
| Equity capital to assets | 9.5669% | 4,798 |
| Core capital (leverage) ratio | 9.5247% | 4,071 |
| Tier 1 risk-based capital ratio | 14.4755% | 4,052 |
| Total risk-based capital ratio | 15.7334% | 3,993 |
| Memoranda: | ||
| Average total assets | $250,385,200 | 2,526 |
| Average earning assets | $232,525,200 | 2,479 |
| Average equity | $23,577,400 | 2,793 |
| Average total loans | $173,673,600 | 2,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 4,743 |
| Cost of funding earning assets | 0.8275% | 2,729 |
| Net interest margin | 3.3944% | 5,054 |
| Noninterest income to average assets | 1.2909% | 891 |
| Noninterest expense to average assets | 3.1287% | 2,799 |
| Loan and lease loss provision to assets | 0.3005% | 2,195 |
| Net operating income to assets | 0.7468% | 3,703 |
| Return on assets (ROA) | 0.7761% | 3,818 |
| Pretax return on assets | 1.0520% | 3,526 |
| Return on Equity (ROE) | 8.2764% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.2764% | 1,505 |
| Net charge-offs to loans | 0.3420% | 2,741 |
| Credit loss provision to net charge-offs | 128.0822% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.5958% | 2,981 |
| Efficiency ratio | 70.4414% | 3,606 |
| Assets per employee ($millions) | 3.9369% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,313 |
| Loan loss allowance to noncurrent loans | 1,194.9612% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 6,255 |
| Noncurrent loans to loans | 0.1385% | 6,253 |
| Net loans and leases to total assets | 72.7303% | 1,431 |
| Net loans and leases to deposits | 86.4152% | 1,554 |
| Net loans and leases to core deposits | 97.4802% | 1,303 |
| Total domestic deposits to total assets | 84.1638% | 4,142 |
| Equity capital to assets | 9.5344% | 5,162 |
| Core capital (leverage) ratio | 9.5159% | 4,241 |
| Tier 1 risk-based capital ratio | 13.6365% | 4,792 |
| Total risk-based capital ratio | 14.8932% | 4,747 |
| Memoranda: | ||
| Average total assets | $248,916,750 | 2,566 |
| Average earning assets | $231,043,750 | 2,513 |
| Average equity | $23,342,750 | 2,840 |
| Average total loans | $170,758,750 | 2,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 4,967 |
| Cost of funding earning assets | 0.8553% | 2,753 |
| Net interest margin | 3.3410% | 5,300 |
| Noninterest income to average assets | 1.2787% | 870 |
| Noninterest expense to average assets | 3.0819% | 2,978 |
| Loan and lease loss provision to assets | 0.1622% | 3,485 |
| Net operating income to assets | 0.8162% | 3,323 |
| Return on assets (ROA) | 0.8592% | 3,362 |
| Pretax return on assets | 1.1892% | 2,976 |
| Return on Equity (ROE) | 9.2144% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.2144% | 1,206 |
| Net charge-offs to loans | 0.2670% | 2,984 |
| Credit loss provision to net charge-offs | 90.9502% | 3,016 |
| Earnings coverage of net charge-offs (x) | 7.2443% | 2,515 |
| Efficiency ratio | 70.4667% | 3,688 |
| Assets per employee ($millions) | 3.8470% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 3,216 |
| Loan loss allowance to noncurrent loans | 301.5385% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,169 |
| Noncurrent loans to loans | 0.5647% | 5,378 |
| Net loans and leases to total assets | 68.9391% | 2,110 |
| Net loans and leases to deposits | 82.4691% | 2,050 |
| Net loans and leases to core deposits | 91.1489% | 1,856 |
| Total domestic deposits to total assets | 83.5939% | 4,489 |
| Equity capital to assets | 9.5923% | 4,922 |
| Core capital (leverage) ratio | 9.3248% | 4,419 |
| Tier 1 risk-based capital ratio | 14.2236% | 4,285 |
| Total risk-based capital ratio | 15.4802% | 4,253 |
| Memoranda: | ||
| Average total assets | $247,902,000 | 2,570 |
| Average earning assets | $229,634,000 | 2,527 |
| Average equity | $23,116,000 | 2,840 |
| Average total loans | $165,566,670 | 2,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 5,171 |
| Cost of funding earning assets | 0.8768% | 2,854 |
| Net interest margin | 3.3053% | 5,452 |
| Noninterest income to average assets | 1.2816% | 862 |
| Noninterest expense to average assets | 3.0086% | 3,212 |
| Loan and lease loss provision to assets | 0.0901% | 4,230 |
| Net operating income to assets | 0.8860% | 2,989 |
| Return on assets (ROA) | 0.8860% | 3,209 |
| Pretax return on assets | 1.2382% | 2,772 |
| Return on Equity (ROE) | 9.6390% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.6390% | 1,367 |
| Net charge-offs to loans | 0.0444% | 4,074 |
| Credit loss provision to net charge-offs | 311.1111% | 955 |
| Earnings coverage of net charge-offs (x) | 45.8889% | 674 |
| Efficiency ratio | 69.3734% | 3,920 |
| Assets per employee ($millions) | 3.8635% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,877 |
| Loan loss allowance to noncurrent loans | 234.9530% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 4,979 |
| Noncurrent loans to loans | 0.7817% | 5,103 |
| Net loans and leases to total assets | 63.8070% | 2,888 |
| Net loans and leases to deposits | 75.8546% | 2,817 |
| Net loans and leases to core deposits | 84.4352% | 2,493 |
| Total domestic deposits to total assets | 84.1175% | 4,432 |
| Equity capital to assets | 9.2061% | 5,225 |
| Core capital (leverage) ratio | 9.1903% | 4,535 |
| Tier 1 risk-based capital ratio | 14.7406% | 3,934 |
| Total risk-based capital ratio | 15.9992% | 3,885 |
| Memoranda: | ||
| Average total assets | $248,749,500 | 2,572 |
| Average earning assets | $229,931,000 | 2,533 |
| Average equity | $22,865,500 | 2,865 |
| Average total loans | $162,013,500 | 2,453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 5,499 |
| Cost of funding earning assets | 1.0842% | 2,777 |
| Net interest margin | 3.2950% | 5,819 |
| Noninterest income to average assets | 1.0629% | 1,187 |
| Noninterest expense to average assets | 3.0712% | 3,303 |
| Loan and lease loss provision to assets | 0.2709% | 3,505 |
| Net operating income to assets | 0.5956% | 4,019 |
| Return on assets (ROA) | 0.6596% | 3,879 |
| Pretax return on assets | 0.8793% | 3,675 |
| Return on Equity (ROE) | 7.2543% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.2543% | 1,380 |
| Net charge-offs to loans | 0.5592% | 2,780 |
| Credit loss provision to net charge-offs | 72.5753% | 4,752 |
| Earnings coverage of net charge-offs (x) | 2.8528% | 3,785 |
| Efficiency ratio | 74.2529% | 3,182 |
| Assets per employee ($millions) | 3.7904% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 2,742 |
| Loan loss allowance to noncurrent loans | 158.4582% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 4,690 |
| Noncurrent loans to loans | 1.1617% | 4,428 |
| Net loans and leases to total assets | 64.0626% | 3,180 |
| Net loans and leases to deposits | 76.3548% | 3,121 |
| Net loans and leases to core deposits | 82.6273% | 3,085 |
| Total domestic deposits to total assets | 83.9012% | 4,355 |
| Equity capital to assets | 9.1780% | 5,323 |
| Core capital (leverage) ratio | 9.0730% | 4,663 |
| Tier 1 risk-based capital ratio | 15.2758% | 3,466 |
| Total risk-based capital ratio | 16.5353% | 3,420 |
| Memoranda: | ||
| Average total assets | $240,295,600 | 2,631 |
| Average earning assets | $224,125,000 | 2,563 |
| Average equity | $21,849,000 | 2,908 |
| Average total loans | $160,394,200 | 2,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 5,606 |
| Cost of funding earning assets | 1.1272% | 2,783 |
| Net interest margin | 3.2705% | 5,951 |
| Noninterest income to average assets | 1.0090% | 1,317 |
| Noninterest expense to average assets | 3.0979% | 3,170 |
| Loan and lease loss provision to assets | 0.0676% | 5,609 |
| Net operating income to assets | 0.6528% | 3,859 |
| Return on assets (ROA) | 0.7343% | 3,636 |
| Pretax return on assets | 1.0124% | 3,360 |
| Return on Equity (ROE) | 8.0953% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.0953% | 1,476 |
| Net charge-offs to loans | 0.1797% | 4,364 |
| Credit loss provision to net charge-offs | 56.0185% | 4,895 |
| Earnings coverage of net charge-offs (x) | 8.0278% | 2,252 |
| Efficiency ratio | 76.1879% | 2,816 |
| Assets per employee ($millions) | 3.7269% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 2,532 |
| Loan loss allowance to noncurrent loans | 443.1624% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,846 |
| Noncurrent loans to loans | 0.4359% | 5,969 |
| Net loans and leases to total assets | 65.2000% | 3,064 |
| Net loans and leases to deposits | 79.1623% | 2,780 |
| Net loans and leases to core deposits | 88.6222% | 2,414 |
| Total domestic deposits to total assets | 82.3624% | 4,944 |
| Equity capital to assets | 9.2669% | 5,429 |
| Core capital (leverage) ratio | 9.0214% | 4,891 |
| Tier 1 risk-based capital ratio | 16.0355% | 3,099 |
| Total risk-based capital ratio | 17.2984% | 3,054 |
| Memoranda: | ||
| Average total assets | $238,776,250 | 2,662 |
| Average earning assets | $223,201,250 | 2,588 |
| Average equity | $21,658,250 | 2,921 |
| Average total loans | $160,294,500 | 2,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 5,654 |
| Cost of funding earning assets | 1.1594% | 2,846 |
| Net interest margin | 3.2502% | 6,004 |
| Noninterest income to average assets | 0.9856% | 1,363 |
| Noninterest expense to average assets | 3.1420% | 3,108 |
| Loan and lease loss provision to assets | 0.0665% | 5,473 |
| Net operating income to assets | 0.5985% | 4,072 |
| Return on assets (ROA) | 0.7011% | 3,651 |
| Pretax return on assets | 0.9545% | 3,412 |
| Return on Equity (ROE) | 7.7870% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.7870% | 1,537 |
| Net charge-offs to loans | 0.3212% | 3,276 |
| Credit loss provision to net charge-offs | 30.7393% | 4,974 |
| Earnings coverage of net charge-offs (x) | 4.0700% | 2,975 |
| Efficiency ratio | 78.1126% | 2,692 |
| Assets per employee ($millions) | 3.7851% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8943% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,992.1053% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,385 |
| Noncurrent loans to loans | 0.0951% | 6,738 |
| Net loans and leases to total assets | 65.7632% | 3,077 |
| Net loans and leases to deposits | 81.0223% | 2,614 |
| Net loans and leases to core deposits | 87.7777% | 2,670 |
| Total domestic deposits to total assets | 81.1669% | 5,470 |
| Equity capital to assets | 9.1721% | 5,318 |
| Core capital (leverage) ratio | 8.9384% | 4,826 |
| Tier 1 risk-based capital ratio | 15.2395% | 3,377 |
| Total risk-based capital ratio | 16.5010% | 3,332 |
| Memoranda: | ||
| Average total assets | $237,618,330 | 2,681 |
| Average earning assets | $222,017,000 | 2,624 |
| Average equity | $21,394,670 | 2,950 |
| Average total loans | $160,040,000 | 2,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 5,644 |
| Cost of funding earning assets | 1.1823% | 2,927 |
| Net interest margin | 3.2315% | 5,977 |
| Noninterest income to average assets | 0.9410% | 1,500 |
| Noninterest expense to average assets | 3.0321% | 3,515 |
| Loan and lease loss provision to assets | 0.0557% | 5,308 |
| Net operating income to assets | 0.6207% | 3,922 |
| Return on assets (ROA) | 0.7656% | 3,264 |
| Pretax return on assets | 1.0810% | 2,828 |
| Return on Equity (ROE) | 8.5839% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.5839% | 1,525 |
| Net charge-offs to loans | 0.0874% | 4,078 |
| Credit loss provision to net charge-offs | 94.2857% | 2,858 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,298 |
| Efficiency ratio | 76.4781% | 3,078 |
| Assets per employee ($millions) | 3.7238% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 2,379 |
| Loan loss allowance to noncurrent loans | 316.9139% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 6,061 |
| Noncurrent loans to loans | 0.6352% | 5,767 |
| Net loans and leases to total assets | 65.4434% | 3,143 |
| Net loans and leases to deposits | 82.2779% | 2,312 |
| Net loans and leases to core deposits | 88.7785% | 2,507 |
| Total domestic deposits to total assets | 79.5394% | 6,049 |
| Equity capital to assets | 8.9463% | 5,291 |
| Core capital (leverage) ratio | 8.8810% | 4,805 |
| Tier 1 risk-based capital ratio | 14.8508% | 3,503 |
| Total risk-based capital ratio | 16.1136% | 3,460 |
| Memoranda: | ||
| Average total assets | $237,196,000 | 2,707 |
| Average earning assets | $221,943,500 | 2,637 |
| Average equity | $21,156,000 | 2,966 |
| Average total loans | $160,135,500 | 2,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 5,209 |
| Cost of funding earning assets | 1.4497% | 2,956 |
| Net interest margin | 3.4065% | 5,607 |
| Noninterest income to average assets | 1.2290% | 1,002 |
| Noninterest expense to average assets | 3.0821% | 3,534 |
| Loan and lease loss provision to assets | 0.3293% | 4,177 |
| Net operating income to assets | 0.7199% | 3,149 |
| Return on assets (ROA) | 0.7199% | 3,274 |
| Pretax return on assets | 0.9887% | 2,967 |
| Return on Equity (ROE) | 8.4221% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.4221% | 862 |
| Net charge-offs to loans | 0.3266% | 4,378 |
| Credit loss provision to net charge-offs | 146.9582% | 2,496 |
| Earnings coverage of net charge-offs (x) | 5.8821% | 2,504 |
| Efficiency ratio | 70.0455% | 4,174 |
| Assets per employee ($millions) | 3.9345% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,330 |
| Loan loss allowance to noncurrent loans | 301.0329% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,156 |
| Noncurrent loans to loans | 0.6611% | 5,724 |
| Net loans and leases to total assets | 66.8848% | 3,251 |
| Net loans and leases to deposits | 86.5700% | 1,993 |
| Net loans and leases to core deposits | 94.4936% | 2,204 |
| Total domestic deposits to total assets | 77.2610% | 6,438 |
| Equity capital to assets | 8.8919% | 5,297 |
| Core capital (leverage) ratio | 8.7161% | 4,990 |
| Tier 1 risk-based capital ratio | 14.2510% | 3,718 |
| Total risk-based capital ratio | 15.5132% | 3,660 |
| Memoranda: | ||
| Average total assets | $234,742,800 | 2,696 |
| Average earning assets | $218,523,400 | 2,652 |
| Average equity | $20,066,200 | 3,139 |
| Average total loans | $161,042,200 | 2,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 5,321 |
| Cost of funding earning assets | 1.5003% | 2,981 |
| Net interest margin | 3.3874% | 5,725 |
| Noninterest income to average assets | 0.9408% | 1,644 |
| Noninterest expense to average assets | 3.0601% | 3,534 |
| Loan and lease loss provision to assets | 0.3407% | 3,880 |
| Net operating income to assets | 0.5358% | 4,158 |
| Return on assets (ROA) | 0.5358% | 4,325 |
| Pretax return on assets | 0.6888% | 4,266 |
| Return on Equity (ROE) | 6.3321% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.3321% | 2,186 |
| Net charge-offs to loans | 0.3883% | 3,734 |
| Credit loss provision to net charge-offs | 127.7186% | 3,187 |
| Earnings coverage of net charge-offs (x) | 3.8593% | 3,274 |
| Efficiency ratio | 74.8261% | 3,179 |
| Assets per employee ($millions) | 3.9146% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 2,473 |
| Loan loss allowance to noncurrent loans | 262.0017% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 6,118 |
| Noncurrent loans to loans | 0.7269% | 5,750 |
| Net loans and leases to total assets | 67.7383% | 3,287 |
| Net loans and leases to deposits | 88.4996% | 1,942 |
| Net loans and leases to core deposits | 96.2533% | 2,228 |
| Total domestic deposits to total assets | 76.5408% | 6,561 |
| Equity capital to assets | 8.7029% | 6,005 |
| Core capital (leverage) ratio | 8.4527% | 5,596 |
| Tier 1 risk-based capital ratio | 13.5931% | 4,127 |
| Total risk-based capital ratio | 14.8541% | 4,064 |
| Memoranda: | ||
| Average total assets | $234,411,000 | 2,727 |
| Average earning assets | $217,902,750 | 2,690 |
| Average equity | $19,835,000 | 3,209 |
| Average total loans | $161,027,500 | 2,641 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 5,357 |
| Cost of funding earning assets | 1.5570% | 2,920 |
| Net interest margin | 3.3499% | 5,839 |
| Noninterest income to average assets | 0.8418% | 1,915 |
| Noninterest expense to average assets | 3.0053% | 3,695 |
| Loan and lease loss provision to assets | 0.4081% | 3,275 |
| Net operating income to assets | 0.4371% | 4,592 |
| Return on assets (ROA) | 0.4371% | 4,747 |
| Pretax return on assets | 0.5438% | 4,762 |
| Return on Equity (ROE) | 5.2157% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.2157% | 2,765 |
| Net charge-offs to loans | 0.6624% | 2,555 |
| Credit loss provision to net charge-offs | 89.8496% | 4,429 |
| Earnings coverage of net charge-offs (x) | 2.0959% | 3,976 |
| Efficiency ratio | 75.9439% | 3,085 |
| Assets per employee ($millions) | 3.7909% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 2,640 |
| Loan loss allowance to noncurrent loans | 157.7947% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 5,511 |
| Noncurrent loans to loans | 1.1580% | 5,023 |
| Net loans and leases to total assets | 66.4047% | 3,748 |
| Net loans and leases to deposits | 87.7481% | 2,216 |
| Net loans and leases to core deposits | 93.4491% | 2,796 |
| Total domestic deposits to total assets | 75.6765% | 6,754 |
| Equity capital to assets | 8.5225% | 6,138 |
| Core capital (leverage) ratio | 8.2466% | 5,861 |
| Tier 1 risk-based capital ratio | 13.5680% | 4,026 |
| Total risk-based capital ratio | 14.8273% | 3,985 |
| Memoranda: | ||
| Average total assets | $234,256,000 | 2,757 |
| Average earning assets | $217,857,330 | 2,707 |
| Average equity | $19,633,000 | 3,226 |
| Average total loans | $160,640,000 | 2,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 5,148 |
| Cost of funding earning assets | 1.6310% | 2,775 |
| Net interest margin | 3.3410% | 5,812 |
| Noninterest income to average assets | 0.6944% | 2,639 |
| Noninterest expense to average assets | 2.9692% | 3,782 |
| Loan and lease loss provision to assets | 0.3848% | 3,054 |
| Net operating income to assets | 0.3694% | 4,977 |
| Return on assets (ROA) | 0.3694% | 5,101 |
| Pretax return on assets | 0.4481% | 5,140 |
| Return on Equity (ROE) | 4.4458% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.4458% | 3,489 |
| Net charge-offs to loans | 1.3897% | 1,243 |
| Credit loss provision to net charge-offs | 40.1070% | 4,638 |
| Earnings coverage of net charge-offs (x) | 0.8681% | 4,268 |
| Efficiency ratio | 78.0927% | 2,879 |
| Assets per employee ($millions) | 3.7542% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,334 |
| Loan loss allowance to noncurrent loans | 166.9637% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 5,783 |
| Noncurrent loans to loans | 0.9754% | 5,377 |
| Net loans and leases to total assets | 68.0673% | 3,370 |
| Net loans and leases to deposits | 90.0080% | 1,898 |
| Net loans and leases to core deposits | 96.0147% | 2,590 |
| Total domestic deposits to total assets | 75.6236% | 6,813 |
| Equity capital to assets | 8.4156% | 6,140 |
| Core capital (leverage) ratio | 8.1517% | 5,990 |
| Tier 1 risk-based capital ratio | 12.8515% | 4,435 |
| Total risk-based capital ratio | 14.1080% | 4,406 |
| Memoranda: | ||
| Average total assets | $233,866,000 | 2,826 |
| Average earning assets | $217,539,000 | 2,771 |
| Average equity | $19,434,000 | 3,274 |
| Average total loans | $161,470,000 | 2,742 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 4,763 |
| Cost of funding earning assets | 2.1304% | 2,327 |
| Net interest margin | 3.2547% | 5,910 |
| Noninterest income to average assets | 1.1497% | 1,165 |
| Noninterest expense to average assets | 3.0864% | 3,805 |
| Loan and lease loss provision to assets | 0.5270% | 3,736 |
| Net operating income to assets | 0.4529% | 3,916 |
| Return on assets (ROA) | 0.4793% | 3,912 |
| Pretax return on assets | 0.6028% | 3,896 |
| Return on Equity (ROE) | 5.9302% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.9302% | 1,377 |
| Net charge-offs to loans | 0.0695% | 6,424 |
| Credit loss provision to net charge-offs | 1,057.3913% | 279 |
| Earnings coverage of net charge-offs (x) | 22.0087% | 978 |
| Efficiency ratio | 73.7802% | 3,942 |
| Assets per employee ($millions) | 3.6715% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 2,456 |
| Loan loss allowance to noncurrent loans | 117.8884% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1278% | 4,834 |
| Noncurrent loans to loans | 1.5505% | 4,324 |
| Net loans and leases to total assets | 67.6356% | 3,788 |
| Net loans and leases to deposits | 90.0334% | 2,209 |
| Net loans and leases to core deposits | 113.0148% | 2,601 |
| Total domestic deposits to total assets | 75.1228% | 6,842 |
| Equity capital to assets | 8.2052% | 6,337 |
| Core capital (leverage) ratio | 7.9938% | 6,207 |
| Tier 1 risk-based capital ratio | 12.5457% | 4,484 |
| Total risk-based capital ratio | 13.8046% | 4,418 |
| Memoranda: | ||
| Average total assets | $230,756,200 | 2,816 |
| Average earning assets | $215,076,800 | 2,764 |
| Average equity | $18,650,400 | 3,400 |
| Average total loans | $165,524,400 | 2,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 4,647 |
| Cost of funding earning assets | 2.2070% | 2,381 |
| Net interest margin | 3.2508% | 5,828 |
| Noninterest income to average assets | 1.1684% | 1,151 |
| Noninterest expense to average assets | 3.0862% | 3,694 |
| Loan and lease loss provision to assets | 0.4063% | 3,883 |
| Net operating income to assets | 0.5544% | 3,771 |
| Return on assets (ROA) | 0.5073% | 4,036 |
| Pretax return on assets | 0.6472% | 4,029 |
| Return on Equity (ROE) | 6.3013% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.3013% | 1,811 |
| Net charge-offs to loans | 0.0761% | 5,926 |
| Credit loss provision to net charge-offs | 736.8421% | 513 |
| Earnings coverage of net charge-offs (x) | 20.2005% | 1,249 |
| Efficiency ratio | 73.4798% | 3,958 |
| Assets per employee ($millions) | 3.8616% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,310 |
| Loan loss allowance to noncurrent loans | 113.1373% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 4,958 |
| Noncurrent loans to loans | 1.3465% | 4,681 |
| Net loans and leases to total assets | 67.5904% | 4,050 |
| Net loans and leases to deposits | 91.4130% | 2,333 |
| Net loans and leases to core deposits | 115.5399% | 2,670 |
| Total domestic deposits to total assets | 73.9396% | 6,952 |
| Equity capital to assets | 8.1853% | 6,658 |
| Core capital (leverage) ratio | 7.8744% | 6,539 |
| Tier 1 risk-based capital ratio | 12.2422% | 4,755 |
| Total risk-based capital ratio | 13.5326% | 4,665 |
| Memoranda: | ||
| Average total assets | $229,701,750 | 2,849 |
| Average earning assets | $214,220,750 | 2,795 |
| Average equity | $18,493,000 | 3,454 |
| Average total loans | $166,434,250 | 2,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6068% | 4,044 |
| Cost of funding earning assets | 2.2695% | 2,492 |
| Net interest margin | 3.3373% | 5,411 |
| Noninterest income to average assets | 1.1003% | 1,312 |
| Noninterest expense to average assets | 3.1587% | 3,474 |
| Loan and lease loss provision to assets | 0.3688% | 3,712 |
| Net operating income to assets | 0.5436% | 3,914 |
| Return on assets (ROA) | 0.4909% | 4,245 |
| Pretax return on assets | 0.6165% | 4,281 |
| Return on Equity (ROE) | 6.1326% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.1326% | 1,959 |
| Net charge-offs to loans | 0.1155% | 5,004 |
| Credit loss provision to net charge-offs | 432.9897% | 1,069 |
| Earnings coverage of net charge-offs (x) | 12.3402% | 1,826 |
| Efficiency ratio | 75.0313% | 3,868 |
| Assets per employee ($millions) | 3.9044% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 4,350 |
| Loan loss allowance to noncurrent loans | 253.3101% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 6,222 |
| Noncurrent loans to loans | 0.5079% | 6,257 |
| Net loans and leases to total assets | 72.6451% | 3,054 |
| Net loans and leases to deposits | 97.6273% | 1,577 |
| Net loans and leases to core deposits | 125.1771% | 1,935 |
| Total domestic deposits to total assets | 74.4106% | 6,887 |
| Equity capital to assets | 8.0805% | 6,653 |
| Core capital (leverage) ratio | 7.8858% | 6,514 |
| Tier 1 risk-based capital ratio | 11.9604% | 4,955 |
| Total risk-based capital ratio | 13.2123% | 4,870 |
| Memoranda: | ||
| Average total assets | $227,750,000 | 2,886 |
| Average earning assets | $212,205,330 | 2,840 |
| Average equity | $18,230,330 | 3,518 |
| Average total loans | $168,020,000 | 2,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 4,070 |
| Cost of funding earning assets | 2.3338% | 2,559 |
| Net interest margin | 3.3131% | 5,450 |
| Noninterest income to average assets | 1.0493% | 1,352 |
| Noninterest expense to average assets | 3.0135% | 3,704 |
| Loan and lease loss provision to assets | 0.3656% | 3,127 |
| Net operating income to assets | 0.5898% | 4,056 |
| Return on assets (ROA) | 0.5140% | 4,548 |
| Pretax return on assets | 0.6624% | 4,548 |
| Return on Equity (ROE) | 6.4529% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.4529% | 2,439 |
| Net charge-offs to loans | -0.1076% | 7,897 |
| Credit loss provision to net charge-offs | -460.0000% | 6,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8126% | 4,037 |
| Assets per employee ($millions) | 3.9446% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 4,378 |
| Loan loss allowance to noncurrent loans | 200.3799% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 5,984 |
| Noncurrent loans to loans | 0.6265% | 5,834 |
| Net loans and leases to total assets | 71.3096% | 3,406 |
| Net loans and leases to deposits | 96.2388% | 1,908 |
| Net loans and leases to core deposits | 124.6075% | 2,027 |
| Total domestic deposits to total assets | 74.0965% | 6,874 |
| Equity capital to assets | 7.8081% | 7,055 |
| Core capital (leverage) ratio | 7.7994% | 6,744 |
| Tier 1 risk-based capital ratio | 11.3715% | 5,533 |
| Total risk-based capital ratio | 12.6228% | 5,433 |
| Memoranda: | ||
| Average total assets | $226,446,500 | 2,913 |
| Average earning assets | $211,162,000 | 2,864 |
| Average equity | $18,038,500 | 3,559 |
| Average total loans | $167,268,000 | 2,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9978% | 5,555 |
| Cost of funding earning assets | 2.7327% | 3,009 |
| Net interest margin | 3.2651% | 6,161 |
| Noninterest income to average assets | 0.5776% | 4,025 |
| Noninterest expense to average assets | 3.0782% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4548% | 4,931 |
| Return on assets (ROA) | 0.4010% | 4,960 |
| Pretax return on assets | 0.4744% | 5,057 |
| Return on Equity (ROE) | 5.0099% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.9525% | 2,057 |
| Net charge-offs to loans | 0.0869% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 8.1389% | 2,932 |
| Efficiency ratio | 85.1307% | 1,938 |
| Assets per employee ($millions) | 3.8625% | 3,827 |
| Cash dividends to net income (ytd only)* | 1.1442% | 4,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,157 |
| Loan loss allowance to noncurrent loans | 214.0553% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,671 |
| Noncurrent loans to loans | 0.5214% | 5,790 |
| Net loans and leases to total assets | 74.7670% | 2,928 |
| Net loans and leases to deposits | 102.0047% | 1,586 |
| Net loans and leases to core deposits | 132.1020% | 1,714 |
| Total domestic deposits to total assets | 73.2976% | 6,779 |
| Equity capital to assets | 8.1327% | 6,653 |
| Core capital (leverage) ratio | 7.9327% | 6,599 |
| Tier 1 risk-based capital ratio | 11.6220% | 5,138 |
| Total risk-based capital ratio | 12.8539% | 5,043 |
| Memoranda: | ||
| Average total assets | $217,981,800 | 2,898 |
| Average earning assets | $202,839,800 | 2,868 |
| Average equity | $17,445,600 | 3,657 |
| Average total loans | $165,687,600 | 2,691 |