Home > NorthEast Community Bank > Performance and Condition Ratios
NorthEast Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0011% | 45 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5,252.0000% | 39 |
| Cost of funding earning assets | 972.0000% | 9 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 2.9347% | 169 |
| Pretax return on assets | 4.1058% | 111 |
| Return on Equity (ROE) | 19.4500% | 663 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 4.1133% | 4,570 |
| Assets per employee ($millions) | 0.2086% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 149,231.0000% | 2 |
| Total domestic deposits to total assets | 23.0000% | 4,494 |
| Equity capital to assets | 16,209.0000% | 31 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,082,000 | 4,603 |
| Average earning assets | $7,226 | 4,560 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6101% | 95 |
| Cost of funding earning assets | 2.1594% | 536 |
| Net interest margin | 6.4506% | 76 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.0933% | 3,372 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.9867% | 182 |
| Return on assets (ROA) | 2.9644% | 187 |
| Pretax return on assets | 4.1281% | 126 |
| Return on Equity (ROE) | 19.4600% | 779 |
| Retained earnings to average equity (ytd only) | 13.7979% | 699 |
| Net charge-offs to loans | 0.0283% | 1,511 |
| Credit loss provision to net charge-offs | 408.0702% | 712 |
| Earnings coverage of net charge-offs (x) | 171.8596% | 664 |
| Efficiency ratio | 33.1427% | 4,486 |
| Assets per employee ($millions) | 12.2592% | 348 |
| Cash dividends to net income (ytd only)* | 29.0808% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3173% | 4,440 |
| Loan loss allowance to noncurrent loans | 108.1717% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 1,658 |
| Noncurrent loans to loans | 0.2933% | 2,184 |
| Net loans and leases to total assets | 87.3800% | 104 |
| Net loans and leases to deposits | 108.5849% | 235 |
| Net loans and leases to core deposits | 164.7282% | 91 |
| Total domestic deposits to total assets | 80.4700% | 3,462 |
| Equity capital to assets | 14.4350% | 593 |
| Core capital (leverage) ratio | 14.6974% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4961% | 2,078 |
| Memoranda: | ||
| Average total assets | $1,546,614,000 | 702 |
| Average earning assets | $1,458,796,000 | 680 |
| Average equity | $235,654,000 | 473 |
| Average total loans | $1,344,425,750 | 566 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4428% | 95 |
| Cost of funding earning assets | 1.9231% | 579 |
| Net interest margin | 6.5197% | 73 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1286% | 3,272 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.9979% | 153 |
| Return on assets (ROA) | 3.0087% | 150 |
| Pretax return on assets | 4.2181% | 106 |
| Return on Equity (ROE) | 19.3600% | 785 |
| Retained earnings to average equity (ytd only) | 19.3589% | 269 |
| Net charge-offs to loans | 0.0331% | 1,236 |
| Credit loss provision to net charge-offs | 338.7850% | 802 |
| Earnings coverage of net charge-offs (x) | 149.6308% | 755 |
| Efficiency ratio | 33.1803% | 4,518 |
| Assets per employee ($millions) | 11.5948% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3169% | 4,471 |
| Loan loss allowance to noncurrent loans | 100.4365% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 1,464 |
| Noncurrent loans to loans | 0.3155% | 2,008 |
| Net loans and leases to total assets | 85.9500% | 155 |
| Net loans and leases to deposits | 104.1120% | 366 |
| Net loans and leases to core deposits | 150.7527% | 142 |
| Total domestic deposits to total assets | 82.5500% | 3,130 |
| Equity capital to assets | 15.2316% | 499 |
| Core capital (leverage) ratio | 15.7504% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9870% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,494,142,000 | 715 |
| Average earning assets | $1,407,724,333 | 691 |
| Average equity | $232,213,333 | 467 |
| Average total loans | $1,294,651,000 | 571 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2896% | 54 |
| Cost of funding earning assets | 1.6982% | 579 |
| Net interest margin | 6.5915% | 66 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1235% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0801% | 143 |
| Return on assets (ROA) | 3.1294% | 141 |
| Pretax return on assets | 4.3867% | 101 |
| Return on Equity (ROE) | 19.9200% | 777 |
| Retained earnings to average equity (ytd only) | 19.9151% | 386 |
| Net charge-offs to loans | 0.0067% | 1,701 |
| Credit loss provision to net charge-offs | 938.0952% | 378 |
| Earnings coverage of net charge-offs (x) | 741.9524% | 155 |
| Efficiency ratio | 32.9330% | 4,582 |
| Assets per employee ($millions) | 11.0456% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 4,533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 2,844 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 87.5900% | 82 |
| Net loans and leases to deposits | 106.9131% | 231 |
| Net loans and leases to core deposits | 139.2705% | 190 |
| Total domestic deposits to total assets | 81.9200% | 3,495 |
| Equity capital to assets | 15.6891% | 428 |
| Core capital (leverage) ratio | 16.2129% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1101% | 1,943 |
| Memoranda: | ||
| Average total assets | $1,441,173,000 | 740 |
| Average earning assets | $1,355,816,500 | 723 |
| Average equity | $226,461,000 | 482 |
| Average total loans | $1,252,191,500 | 598 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0809% | 88 |
| Cost of funding earning assets | 0.7241% | 525 |
| Net interest margin | 5.3568% | 95 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3670% | 2,527 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.0971% | 247 |
| Return on assets (ROA) | 1.9775% | 299 |
| Pretax return on assets | 2.7406% | 157 |
| Return on Equity (ROE) | 12.0600% | 2,120 |
| Retained earnings to average equity (ytd only) | 12.0646% | 653 |
| Net charge-offs to loans | 0.0195% | 1,707 |
| Credit loss provision to net charge-offs | 212.0773% | 1,085 |
| Earnings coverage of net charge-offs (x) | 177.6135% | 706 |
| Efficiency ratio | 44.0322% | 4,429 |
| Assets per employee ($millions) | 10.3105% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 4,474 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 2,809 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.4700% | 186 |
| Net loans and leases to deposits | 105.5375% | 255 |
| Net loans and leases to core deposits | 127.8227% | 255 |
| Total domestic deposits to total assets | 80.9900% | 3,756 |
| Equity capital to assets | 15.7396% | 408 |
| Core capital (leverage) ratio | 16.4962% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4986% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,256,129,200 | 817 |
| Average earning assets | $1,174,462,600 | 806 |
| Average equity | $205,891,600 | 513 |
| Average total loans | $1,062,277,000 | 649 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 113 |
| Cost of funding earning assets | 0.5678% | 525 |
| Net interest margin | 4.9481% | 126 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.3510% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9447% | 316 |
| Return on assets (ROA) | 1.8034% | 415 |
| Pretax return on assets | 2.3691% | 250 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 10.8781% | 1,086 |
| Net charge-offs to loans | -0.0284% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.9871% | 4,272 |
| Assets per employee ($millions) | 9.3432% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4876% | 4,484 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,601 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.5700% | 47 |
| Net loans and leases to deposits | 111.2291% | 114 |
| Net loans and leases to core deposits | 127.9754% | 164 |
| Total domestic deposits to total assets | 79.6200% | 4,133 |
| Equity capital to assets | 16.9196% | 328 |
| Core capital (leverage) ratio | 16.9139% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8627% | 2,106 |
| Memoranda: | ||
| Average total assets | $1,219,603,750 | 850 |
| Average earning assets | $1,139,040,500 | 834 |
| Average equity | $202,188,000 | 527 |
| Average total loans | $1,026,852,250 | 667 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 186 |
| Cost of funding earning assets | 0.5012% | 514 |
| Net interest margin | 4.4447% | 212 |
| Noninterest income to average assets | 0.2743% | 3,521 |
| Noninterest expense to average assets | 2.3066% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6260% | 519 |
| Return on assets (ROA) | 1.4869% | 718 |
| Pretax return on assets | 1.9470% | 425 |
| Return on Equity (ROE) | 9.0334% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.0334% | 1,279 |
| Net charge-offs to loans | -0.0449% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0674% | 4,124 |
| Assets per employee ($millions) | 8.7250% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5329% | 4,518 |
| Loan loss allowance to noncurrent loans | 707.1521% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 2,145 |
| Noncurrent loans to loans | 0.0754% | 3,421 |
| Net loans and leases to total assets | 86.1730% | 84 |
| Net loans and leases to deposits | 109.0598% | 100 |
| Net loans and leases to core deposits | 123.4333% | 159 |
| Total domestic deposits to total assets | 79.0144% | 4,298 |
| Equity capital to assets | 17.3217% | 260 |
| Core capital (leverage) ratio | 16.6150% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7857% | 1,771 |
| Memoranda: | ||
| Average total assets | $1,208,806,667 | 852 |
| Average earning assets | $1,130,117,333 | 844 |
| Average equity | $198,973,333 | 532 |
| Average total loans | $997,712,667 | 674 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 256 |
| Cost of funding earning assets | 0.5022% | 489 |
| Net interest margin | 4.1010% | 337 |
| Noninterest income to average assets | 0.2261% | 3,801 |
| Noninterest expense to average assets | 2.3207% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3464% | 908 |
| Return on assets (ROA) | 1.1827% | 1,287 |
| Pretax return on assets | 1.5454% | 928 |
| Return on Equity (ROE) | 7.3710% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.3710% | 1,775 |
| Net charge-offs to loans | -0.0349% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9744% | 3,787 |
| Assets per employee ($millions) | 9.7163% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5280% | 4,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,672 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 80.9222% | 208 |
| Net loans and leases to deposits | 100.3901% | 166 |
| Net loans and leases to core deposits | 115.5988% | 181 |
| Total domestic deposits to total assets | 80.6077% | 4,238 |
| Equity capital to assets | 16.0777% | 314 |
| Core capital (leverage) ratio | 16.0291% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0323% | 1,784 |
| Memoranda: | ||
| Average total assets | $1,224,270,000 | 842 |
| Average earning assets | $1,148,498,500 | 832 |
| Average equity | $196,445,500 | 559 |
| Average total loans | $986,343,000 | 675 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 320 |
| Cost of funding earning assets | 0.5453% | 733 |
| Net interest margin | 4.3227% | 383 |
| Noninterest income to average assets | 0.2587% | 3,828 |
| Noninterest expense to average assets | 2.4738% | 2,261 |
| Loan and lease loss provision to assets | 0.3405% | 225 |
| Net operating income to assets | 1.1287% | 2,176 |
| Return on assets (ROA) | 1.0997% | 2,361 |
| Pretax return on assets | 1.4381% | 1,922 |
| Return on Equity (ROE) | 7.0960% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.0960% | 1,887 |
| Net charge-offs to loans | 0.3972% | 212 |
| Credit loss provision to net charge-offs | 104.4863% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.5702% | 2,438 |
| Efficiency ratio | 57.6732% | 3,495 |
| Assets per employee ($millions) | 9.3428% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5382% | 4,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,790 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.3381% | 302 |
| Net loans and leases to deposits | 99.6098% | 203 |
| Net loans and leases to core deposits | 115.6684% | 206 |
| Total domestic deposits to total assets | 79.6489% | 4,252 |
| Equity capital to assets | 16.0137% | 380 |
| Core capital (leverage) ratio | 16.7913% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2796% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,060,127,000 | 920 |
| Average earning assets | $988,422,000 | 915 |
| Average equity | $164,288,600 | 663 |
| Average total loans | $869,827,800 | 746 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 324 |
| Cost of funding earning assets | 0.5795% | 704 |
| Net interest margin | 4.3795% | 382 |
| Noninterest income to average assets | 0.2570% | 3,856 |
| Noninterest expense to average assets | 2.5508% | 1,976 |
| Loan and lease loss provision to assets | 0.4712% | 122 |
| Net operating income to assets | 1.0030% | 2,895 |
| Return on assets (ROA) | 0.9809% | 3,065 |
| Pretax return on assets | 1.2828% | 2,668 |
| Return on Equity (ROE) | 6.3927% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,652 |
| Net charge-offs to loans | 0.5453% | 145 |
| Credit loss provision to net charge-offs | 104.4560% | 1,552 |
| Earnings coverage of net charge-offs (x) | 3.9505% | 2,286 |
| Efficiency ratio | 58.8685% | 3,144 |
| Assets per employee ($millions) | 8.5711% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,896 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 81.9749% | 189 |
| Net loans and leases to deposits | 104.9815% | 147 |
| Net loans and leases to core deposits | 126.4869% | 140 |
| Total domestic deposits to total assets | 78.0851% | 4,418 |
| Equity capital to assets | 17.3239% | 316 |
| Core capital (leverage) ratio | 17.0674% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9131% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,021,516,500 | 957 |
| Average earning assets | $950,672,250 | 956 |
| Average equity | $156,736,500 | 697 |
| Average total loans | $845,077,250 | 781 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 325 |
| Cost of funding earning assets | 0.6147% | 692 |
| Net interest margin | 4.4238% | 401 |
| Noninterest income to average assets | 0.2575% | 3,849 |
| Noninterest expense to average assets | 2.5644% | 1,949 |
| Loan and lease loss provision to assets | 0.0034% | 2,813 |
| Net operating income to assets | 1.3851% | 1,606 |
| Return on assets (ROA) | 1.3753% | 1,713 |
| Pretax return on assets | 1.7904% | 1,261 |
| Return on Equity (ROE) | 9.4089% | 2,978 |
| Retained earnings to average equity (ytd only) | 9.4089% | 1,585 |
| Net charge-offs to loans | 0.0024% | 2,115 |
| Credit loss provision to net charge-offs | 170.0000% | 1,114 |
| Earnings coverage of net charge-offs (x) | 899.8000% | 150 |
| Efficiency ratio | 58.6690% | 3,193 |
| Assets per employee ($millions) | 8.6313% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 4,642 |
| Loan loss allowance to noncurrent loans | 140.9685% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,587 |
| Noncurrent loans to loans | 0.4356% | 2,366 |
| Net loans and leases to total assets | 76.5905% | 540 |
| Net loans and leases to deposits | 93.2591% | 484 |
| Net loans and leases to core deposits | 113.5496% | 293 |
| Total domestic deposits to total assets | 82.1266% | 3,901 |
| Equity capital to assets | 13.9429% | 726 |
| Core capital (leverage) ratio | 14.8371% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5759% | 2,519 |
| Memoranda: | ||
| Average total assets | $996,320,333 | 969 |
| Average earning assets | $926,363,000 | 968 |
| Average equity | $145,628,333 | 740 |
| Average total loans | $825,248,333 | 799 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 247 |
| Cost of funding earning assets | 0.6758% | 599 |
| Net interest margin | 4.5890% | 320 |
| Noninterest income to average assets | 0.2489% | 3,908 |
| Noninterest expense to average assets | 2.7081% | 1,602 |
| Loan and lease loss provision to assets | 0.0071% | 2,675 |
| Net operating income to assets | 1.3841% | 1,611 |
| Return on assets (ROA) | 1.3330% | 1,813 |
| Pretax return on assets | 1.7358% | 1,421 |
| Return on Equity (ROE) | 8.8912% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.8912% | 1,980 |
| Net charge-offs to loans | 0.0010% | 1,907 |
| Credit loss provision to net charge-offs | 850.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 2,167.5000% | 32 |
| Efficiency ratio | 59.9723% | 3,037 |
| Assets per employee ($millions) | 7.8575% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6113% | 4,676 |
| Loan loss allowance to noncurrent loans | 141.8111% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 1,638 |
| Noncurrent loans to loans | 0.4310% | 2,566 |
| Net loans and leases to total assets | 86.0609% | 91 |
| Net loans and leases to deposits | 107.0646% | 158 |
| Net loans and leases to core deposits | 134.1101% | 118 |
| Total domestic deposits to total assets | 80.3822% | 4,151 |
| Equity capital to assets | 15.1756% | 474 |
| Core capital (leverage) ratio | 14.9564% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0357% | 2,280 |
| Memoranda: | ||
| Average total assets | $959,339,000 | 986 |
| Average earning assets | $891,958,500 | 989 |
| Average equity | $143,828,000 | 738 |
| Average total loans | $825,472,500 | 790 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 131 |
| Cost of funding earning assets | 1.1684% | 313 |
| Net interest margin | 4.5642% | 287 |
| Noninterest income to average assets | 0.2367% | 4,086 |
| Noninterest expense to average assets | 2.7767% | 2,008 |
| Loan and lease loss provision to assets | 0.0854% | 3,304 |
| Net operating income to assets | 1.2668% | 1,343 |
| Return on assets (ROA) | 1.2910% | 1,374 |
| Pretax return on assets | 1.6333% | 997 |
| Return on Equity (ROE) | 8.9294% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.9294% | 783 |
| Net charge-offs to loans | 0.0425% | 2,210 |
| Credit loss provision to net charge-offs | 238.2789% | 1,978 |
| Earnings coverage of net charge-offs (x) | 47.0861% | 1,257 |
| Efficiency ratio | 61.9576% | 3,142 |
| Assets per employee ($millions) | 7.8017% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,704 |
| Loan loss allowance to noncurrent loans | 141.6293% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,819 |
| Noncurrent loans to loans | 0.4354% | 2,665 |
| Net loans and leases to total assets | 84.9685% | 134 |
| Net loans and leases to deposits | 105.1947% | 240 |
| Net loans and leases to core deposits | 132.7667% | 176 |
| Total domestic deposits to total assets | 80.7726% | 3,915 |
| Equity capital to assets | 14.8165% | 604 |
| Core capital (leverage) ratio | 14.7935% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7191% | 2,353 |
| Memoranda: | ||
| Average total assets | $940,010,200 | 933 |
| Average earning assets | $870,785,200 | 933 |
| Average equity | $135,911,200 | 740 |
| Average total loans | $793,255,000 | 792 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7588% | 147 |
| Cost of funding earning assets | 1.2898% | 258 |
| Net interest margin | 4.4690% | 408 |
| Noninterest income to average assets | 0.2355% | 4,088 |
| Noninterest expense to average assets | 2.6838% | 2,304 |
| Loan and lease loss provision to assets | 0.1070% | 2,982 |
| Net operating income to assets | 1.2125% | 1,605 |
| Return on assets (ROA) | 1.2462% | 1,613 |
| Pretax return on assets | 1.6253% | 1,116 |
| Return on Equity (ROE) | 8.6740% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.6740% | 1,085 |
| Net charge-offs to loans | -0.0025% | 3,918 |
| Credit loss provision to net charge-offs | -5,006.6667% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1984% | 3,194 |
| Assets per employee ($millions) | 7.8615% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,633 |
| Loan loss allowance to noncurrent loans | 134.5468% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 1,825 |
| Noncurrent loans to loans | 0.4935% | 2,583 |
| Net loans and leases to total assets | 84.2853% | 251 |
| Net loans and leases to deposits | 104.5490% | 370 |
| Net loans and leases to core deposits | 132.6878% | 211 |
| Total domestic deposits to total assets | 80.6180% | 3,749 |
| Equity capital to assets | 14.5934% | 710 |
| Core capital (leverage) ratio | 14.4084% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1511% | 2,131 |
| Memoranda: | ||
| Average total assets | $935,111,000 | 929 |
| Average earning assets | $865,856,250 | 920 |
| Average equity | $134,344,000 | 740 |
| Average total loans | $786,463,000 | 792 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8592% | 175 |
| Cost of funding earning assets | 1.4256% | 209 |
| Net interest margin | 4.4336% | 576 |
| Noninterest income to average assets | 0.2420% | 4,033 |
| Noninterest expense to average assets | 2.7148% | 2,340 |
| Loan and lease loss provision to assets | 0.1127% | 2,887 |
| Net operating income to assets | 1.1616% | 1,759 |
| Return on assets (ROA) | 1.2124% | 1,727 |
| Pretax return on assets | 1.5811% | 1,271 |
| Return on Equity (ROE) | 8.4846% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.4846% | 1,165 |
| Net charge-offs to loans | -0.0054% | 4,035 |
| Credit loss provision to net charge-offs | -2,495.2381% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4907% | 3,051 |
| Assets per employee ($millions) | 7.9931% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 4,686 |
| Loan loss allowance to noncurrent loans | 128.9982% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 1,887 |
| Noncurrent loans to loans | 0.4962% | 2,666 |
| Net loans and leases to total assets | 84.5654% | 218 |
| Net loans and leases to deposits | 103.7530% | 386 |
| Net loans and leases to core deposits | 129.3116% | 265 |
| Total domestic deposits to total assets | 81.5065% | 3,496 |
| Equity capital to assets | 14.3820% | 759 |
| Core capital (leverage) ratio | 14.3015% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3780% | 2,037 |
| Memoranda: | ||
| Average total assets | $929,732,333 | 913 |
| Average earning assets | $860,249,000 | 908 |
| Average equity | $132,852,333 | 739 |
| Average total loans | $779,577,333 | 787 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0145% | 162 |
| Cost of funding earning assets | 1.5387% | 227 |
| Net interest margin | 4.4758% | 537 |
| Noninterest income to average assets | 0.2934% | 3,769 |
| Noninterest expense to average assets | 2.7098% | 2,681 |
| Loan and lease loss provision to assets | 0.0026% | 3,701 |
| Net operating income to assets | 1.3093% | 1,217 |
| Return on assets (ROA) | 1.3798% | 1,115 |
| Pretax return on assets | 1.8011% | 698 |
| Return on Equity (ROE) | 9.6885% | 1,847 |
| Retained earnings to average equity (ytd only) | 9.6885% | 809 |
| Net charge-offs to loans | -0.0073% | 3,966 |
| Credit loss provision to net charge-offs | -42.8571% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2499% | 3,582 |
| Assets per employee ($millions) | 7.3765% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 4,777 |
| Loan loss allowance to noncurrent loans | 115.8172% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 1,956 |
| Noncurrent loans to loans | 0.5055% | 2,753 |
| Net loans and leases to total assets | 87.0359% | 95 |
| Net loans and leases to deposits | 107.5441% | 249 |
| Net loans and leases to core deposits | 132.9933% | 234 |
| Total domestic deposits to total assets | 80.9304% | 3,679 |
| Equity capital to assets | 14.7941% | 807 |
| Core capital (leverage) ratio | 14.3155% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3267% | 2,136 |
| Memoranda: | ||
| Average total assets | $923,008,500 | 887 |
| Average earning assets | $851,872,500 | 887 |
| Average equity | $131,454,500 | 743 |
| Average total loans | $767,995,000 | 770 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 152 |
| Cost of funding earning assets | 1.7576% | 163 |
| Net interest margin | 4.4947% | 720 |
| Noninterest income to average assets | 0.2689% | 4,071 |
| Noninterest expense to average assets | 2.6219% | 3,118 |
| Loan and lease loss provision to assets | 0.0786% | 2,424 |
| Net operating income to assets | 1.3137% | 1,638 |
| Return on assets (ROA) | 1.3174% | 1,707 |
| Pretax return on assets | 1.7215% | 1,133 |
| Return on Equity (ROE) | 10.0352% | 2,279 |
| Retained earnings to average equity (ytd only) | 10.0352% | 478 |
| Net charge-offs to loans | 0.0411% | 2,567 |
| Credit loss provision to net charge-offs | 236.8590% | 1,137 |
| Earnings coverage of net charge-offs (x) | 54.1154% | 1,060 |
| Efficiency ratio | 59.2547% | 3,806 |
| Assets per employee ($millions) | 8.0862% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 4,716 |
| Loan loss allowance to noncurrent loans | 116.1021% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 1,969 |
| Noncurrent loans to loans | 0.5288% | 2,596 |
| Net loans and leases to total assets | 78.5892% | 990 |
| Net loans and leases to deposits | 94.9298% | 1,058 |
| Net loans and leases to core deposits | 126.6200% | 334 |
| Total domestic deposits to total assets | 82.7867% | 3,274 |
| Equity capital to assets | 13.7168% | 1,201 |
| Core capital (leverage) ratio | 12.6803% | 1,386 |
| Tier 1 risk-based capital ratio | 14.0428% | 3,244 |
| Total risk-based capital ratio | 14.5554% | 3,507 |
| Memoranda: | ||
| Average total assets | $940,413,800 | 833 |
| Average earning assets | $867,959,200 | 832 |
| Average equity | $123,455,000 | 737 |
| Average total loans | $758,774,600 | 753 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3068% | 148 |
| Cost of funding earning assets | 1.7251% | 177 |
| Net interest margin | 4.5817% | 638 |
| Noninterest income to average assets | 0.2657% | 4,150 |
| Noninterest expense to average assets | 2.6135% | 3,128 |
| Loan and lease loss provision to assets | 0.1049% | 1,837 |
| Net operating income to assets | 1.3629% | 1,605 |
| Return on assets (ROA) | 1.3758% | 1,621 |
| Pretax return on assets | 1.7978% | 1,098 |
| Return on Equity (ROE) | 10.5996% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.5996% | 602 |
| Net charge-offs to loans | 0.0557% | 2,034 |
| Credit loss provision to net charge-offs | 232.3899% | 1,159 |
| Earnings coverage of net charge-offs (x) | 41.7767% | 1,333 |
| Efficiency ratio | 57.9471% | 3,945 |
| Assets per employee ($millions) | 8.7397% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,820 |
| Loan loss allowance to noncurrent loans | 116.1266% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,227 |
| Noncurrent loans to loans | 0.5172% | 2,740 |
| Net loans and leases to total assets | 73.6124% | 1,894 |
| Net loans and leases to deposits | 87.3036% | 2,020 |
| Net loans and leases to core deposits | 112.9774% | 800 |
| Total domestic deposits to total assets | 84.3177% | 2,705 |
| Equity capital to assets | 12.3029% | 2,040 |
| Core capital (leverage) ratio | 12.3573% | 1,652 |
| Tier 1 risk-based capital ratio | 13.5282% | 3,559 |
| Total risk-based capital ratio | 14.0322% | 3,861 |
| Memoranda: | ||
| Average total assets | $938,995,000 | 836 |
| Average earning assets | $867,777,250 | 836 |
| Average equity | $121,875,500 | 745 |
| Average total loans | $761,439,000 | 747 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4205% | 127 |
| Cost of funding earning assets | 1.6666% | 215 |
| Net interest margin | 4.7539% | 445 |
| Noninterest income to average assets | 0.2854% | 4,033 |
| Noninterest expense to average assets | 2.7348% | 2,801 |
| Loan and lease loss provision to assets | 0.0540% | 2,740 |
| Net operating income to assets | 1.4383% | 1,328 |
| Return on assets (ROA) | 1.4421% | 1,366 |
| Pretax return on assets | 1.8848% | 858 |
| Return on Equity (ROE) | 10.8961% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.8961% | 559 |
| Net charge-offs to loans | -0.0003% | 3,864 |
| Credit loss provision to net charge-offs | -24,500.0000% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4312% | 3,949 |
| Assets per employee ($millions) | 8.0434% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 4,920 |
| Loan loss allowance to noncurrent loans | 109.4517% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,068 |
| Noncurrent loans to loans | 0.5229% | 2,713 |
| Net loans and leases to total assets | 81.4535% | 679 |
| Net loans and leases to deposits | 97.8621% | 858 |
| Net loans and leases to core deposits | 125.8892% | 394 |
| Total domestic deposits to total assets | 83.2330% | 3,137 |
| Equity capital to assets | 13.1333% | 1,525 |
| Core capital (leverage) ratio | 12.7976% | 1,403 |
| Tier 1 risk-based capital ratio | 12.9870% | 3,842 |
| Total risk-based capital ratio | 13.4639% | 4,166 |
| Memoranda: | ||
| Average total assets | $908,230,000 | 862 |
| Average earning assets | $837,417,670 | 859 |
| Average equity | $120,207,670 | 747 |
| Average total loans | $760,670,670 | 754 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3289% | 136 |
| Cost of funding earning assets | 1.5572% | 267 |
| Net interest margin | 4.7717% | 430 |
| Noninterest income to average assets | 0.3198% | 3,723 |
| Noninterest expense to average assets | 2.7804% | 2,634 |
| Loan and lease loss provision to assets | 0.0798% | 2,099 |
| Net operating income to assets | 1.4309% | 1,292 |
| Return on assets (ROA) | 1.3927% | 1,432 |
| Pretax return on assets | 1.8201% | 943 |
| Return on Equity (ROE) | 10.4797% | 2,162 |
| Retained earnings to average equity (ytd only) | 10.4797% | 926 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6455% | 3,996 |
| Assets per employee ($millions) | 8.7898% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 4,991 |
| Loan loss allowance to noncurrent loans | 107.7916% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,088 |
| Noncurrent loans to loans | 0.5274% | 2,737 |
| Net loans and leases to total assets | 82.3215% | 556 |
| Net loans and leases to deposits | 100.8950% | 563 |
| Net loans and leases to core deposits | 125.9124% | 384 |
| Total domestic deposits to total assets | 81.5912% | 3,837 |
| Equity capital to assets | 13.0094% | 1,450 |
| Core capital (leverage) ratio | 13.5583% | 1,075 |
| Tier 1 risk-based capital ratio | 13.0975% | 3,829 |
| Total risk-based capital ratio | 13.5807% | 4,147 |
| Memoranda: | ||
| Average total assets | $891,808,500 | 879 |
| Average earning assets | $824,031,500 | 873 |
| Average equity | $118,514,500 | 753 |
| Average total loans | $755,531,500 | 763 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1469% | 137 |
| Cost of funding earning assets | 1.2606% | 258 |
| Net interest margin | 4.8863% | 327 |
| Noninterest income to average assets | 0.2688% | 4,309 |
| Noninterest expense to average assets | 2.6904% | 3,055 |
| Loan and lease loss provision to assets | 0.1324% | 1,648 |
| Net operating income to assets | 1.5079% | 1,097 |
| Return on assets (ROA) | 1.5079% | 1,082 |
| Pretax return on assets | 1.9446% | 640 |
| Return on Equity (ROE) | 11.4550% | 1,916 |
| Retained earnings to average equity (ytd only) | 11.4550% | 377 |
| Net charge-offs to loans | 0.0579% | 2,308 |
| Credit loss provision to net charge-offs | 261.5566% | 1,150 |
| Earnings coverage of net charge-offs (x) | 41.0259% | 1,282 |
| Efficiency ratio | 56.2777% | 4,373 |
| Assets per employee ($millions) | 8.2758% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,046 |
| Loan loss allowance to noncurrent loans | 226.7828% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 2,703 |
| Noncurrent loans to loans | 0.2459% | 3,706 |
| Net loans and leases to total assets | 86.3012% | 223 |
| Net loans and leases to deposits | 107.5246% | 322 |
| Net loans and leases to core deposits | 126.9638% | 377 |
| Total domestic deposits to total assets | 80.2618% | 4,051 |
| Equity capital to assets | 13.5893% | 1,113 |
| Core capital (leverage) ratio | 13.2704% | 1,152 |
| Tier 1 risk-based capital ratio | 12.9599% | 3,868 |
| Total risk-based capital ratio | 13.4356% | 4,185 |
| Memoranda: | ||
| Average total assets | $837,509,200 | 910 |
| Average earning assets | $771,052,200 | 913 |
| Average equity | $110,248,400 | 780 |
| Average total loans | $731,802,600 | 750 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0305% | 146 |
| Cost of funding earning assets | 1.1813% | 280 |
| Net interest margin | 4.8492% | 342 |
| Noninterest income to average assets | 0.2666% | 4,367 |
| Noninterest expense to average assets | 2.5444% | 3,461 |
| Loan and lease loss provision to assets | 0.5526% | 192 |
| Net operating income to assets | 1.2512% | 2,039 |
| Return on assets (ROA) | 1.2512% | 2,047 |
| Pretax return on assets | 1.6332% | 1,476 |
| Return on Equity (ROE) | 9.5850% | 2,802 |
| Retained earnings to average equity (ytd only) | 9.5850% | 1,031 |
| Net charge-offs to loans | 0.5723% | 261 |
| Credit loss provision to net charge-offs | 110.3040% | 2,104 |
| Earnings coverage of net charge-offs (x) | 4.3632% | 3,069 |
| Efficiency ratio | 53.6313% | 4,643 |
| Assets per employee ($millions) | 8.7215% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5062% | 5,183 |
| Loan loss allowance to noncurrent loans | 207.1351% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 2,790 |
| Noncurrent loans to loans | 0.2444% | 3,820 |
| Net loans and leases to total assets | 88.3637% | 128 |
| Net loans and leases to deposits | 112.9188% | 211 |
| Net loans and leases to core deposits | 134.4828% | 261 |
| Total domestic deposits to total assets | 78.2542% | 4,448 |
| Equity capital to assets | 13.2350% | 1,239 |
| Core capital (leverage) ratio | 12.4946% | 1,506 |
| Tier 1 risk-based capital ratio | 12.2699% | 4,341 |
| Total risk-based capital ratio | 12.7070% | 4,699 |
| Memoranda: | ||
| Average total assets | $831,715,750 | 915 |
| Average earning assets | $765,578,250 | 917 |
| Average equity | $108,570,250 | 787 |
| Average total loans | $728,016,750 | 750 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 191 |
| Cost of funding earning assets | 1.1042% | 287 |
| Net interest margin | 4.7300% | 406 |
| Noninterest income to average assets | 0.2578% | 4,469 |
| Noninterest expense to average assets | 2.4734% | 3,706 |
| Loan and lease loss provision to assets | 0.0227% | 3,464 |
| Net operating income to assets | 1.6168% | 889 |
| Return on assets (ROA) | 1.6168% | 894 |
| Pretax return on assets | 2.1099% | 480 |
| Return on Equity (ROE) | 12.4443% | 1,564 |
| Retained earnings to average equity (ytd only) | 12.4443% | 456 |
| Net charge-offs to loans | -0.0031% | 4,013 |
| Credit loss provision to net charge-offs | -854.5455% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5364% | 4,738 |
| Assets per employee ($millions) | 8.6106% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4798% | 5,283 |
| Loan loss allowance to noncurrent loans | 73.0942% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 1,726 |
| Noncurrent loans to loans | 0.6564% | 2,469 |
| Net loans and leases to total assets | 87.2563% | 186 |
| Net loans and leases to deposits | 111.1848% | 254 |
| Net loans and leases to core deposits | 131.8062% | 297 |
| Total domestic deposits to total assets | 78.4787% | 4,513 |
| Equity capital to assets | 12.9959% | 1,294 |
| Core capital (leverage) ratio | 12.9351% | 1,250 |
| Tier 1 risk-based capital ratio | 12.2773% | 4,327 |
| Total risk-based capital ratio | 12.6904% | 4,719 |
| Memoranda: | ||
| Average total assets | $826,959,330 | 925 |
| Average earning assets | $760,208,330 | 927 |
| Average equity | $107,438,330 | 794 |
| Average total loans | $720,240,000 | 762 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 203 |
| Cost of funding earning assets | 1.0600% | 277 |
| Net interest margin | 4.6785% | 420 |
| Noninterest income to average assets | 0.3390% | 3,884 |
| Noninterest expense to average assets | 2.4559% | 3,796 |
| Loan and lease loss provision to assets | 0.0123% | 3,369 |
| Net operating income to assets | 1.6679% | 738 |
| Return on assets (ROA) | 1.6679% | 739 |
| Pretax return on assets | 2.1773% | 395 |
| Return on Equity (ROE) | 12.8397% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.8397% | 545 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6967% | 4,906 |
| Assets per employee ($millions) | 8.6694% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 5,341 |
| Loan loss allowance to noncurrent loans | 74.9466% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 1,825 |
| Noncurrent loans to loans | 0.6551% | 2,586 |
| Net loans and leases to total assets | 86.2797% | 239 |
| Net loans and leases to deposits | 110.7998% | 232 |
| Net loans and leases to core deposits | 133.7118% | 287 |
| Total domestic deposits to total assets | 77.8699% | 4,745 |
| Equity capital to assets | 13.0478% | 1,217 |
| Core capital (leverage) ratio | 13.0591% | 1,164 |
| Tier 1 risk-based capital ratio | 12.9367% | 3,985 |
| Total risk-based capital ratio | 13.3679% | 4,374 |
| Memoranda: | ||
| Average total assets | $814,215,500 | 947 |
| Average earning assets | $749,464,000 | 945 |
| Average equity | $105,766,000 | 803 |
| Average total loans | $706,660,000 | 776 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 339 |
| Cost of funding earning assets | 0.9838% | 238 |
| Net interest margin | 4.3633% | 834 |
| Noninterest income to average assets | 0.2840% | 4,430 |
| Noninterest expense to average assets | 2.4172% | 4,028 |
| Loan and lease loss provision to assets | 0.0033% | 4,180 |
| Net operating income to assets | 1.0248% | 2,137 |
| Return on assets (ROA) | 1.0248% | 2,170 |
| Pretax return on assets | 1.8567% | 674 |
| Return on Equity (ROE) | 7.7284% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.7284% | 850 |
| Net charge-offs to loans | 0.0483% | 2,821 |
| Credit loss provision to net charge-offs | 7.9365% | 3,676 |
| Earnings coverage of net charge-offs (x) | 44.5333% | 1,180 |
| Efficiency ratio | 56.3209% | 4,736 |
| Assets per employee ($millions) | 8.7483% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,387 |
| Loan loss allowance to noncurrent loans | 73.6564% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 2,432 |
| Noncurrent loans to loans | 0.6759% | 2,522 |
| Net loans and leases to total assets | 86.4447% | 227 |
| Net loans and leases to deposits | 110.6983% | 251 |
| Net loans and leases to core deposits | 132.5995% | 295 |
| Total domestic deposits to total assets | 78.0904% | 4,701 |
| Equity capital to assets | 12.9307% | 1,298 |
| Core capital (leverage) ratio | 13.0494% | 1,127 |
| Tier 1 risk-based capital ratio | 12.9620% | 3,927 |
| Total risk-based capital ratio | 13.4090% | 4,323 |
| Memoranda: | ||
| Average total assets | $754,190,800 | 981 |
| Average earning assets | $690,203,800 | 984 |
| Average equity | $100,007,600 | 827 |
| Average total loans | $652,636,400 | 804 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 364 |
| Cost of funding earning assets | 0.9782% | 216 |
| Net interest margin | 4.2937% | 936 |
| Noninterest income to average assets | 0.2873% | 4,470 |
| Noninterest expense to average assets | 2.4524% | 3,878 |
| Loan and lease loss provision to assets | -0.0043% | 5,443 |
| Net operating income to assets | 1.0601% | 2,286 |
| Return on assets (ROA) | 1.0601% | 2,318 |
| Pretax return on assets | 1.7633% | 974 |
| Return on Equity (ROE) | 7.9412% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.9412% | 1,248 |
| Net charge-offs to loans | 0.0077% | 3,456 |
| Credit loss provision to net charge-offs | -64.8649% | 4,466 |
| Earnings coverage of net charge-offs (x) | 264.4166% | 337 |
| Efficiency ratio | 58.0309% | 4,497 |
| Assets per employee ($millions) | 8.2514% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,402 |
| Loan loss allowance to noncurrent loans | 77.2387% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 2,459 |
| Noncurrent loans to loans | 0.7171% | 2,565 |
| Net loans and leases to total assets | 87.7238% | 162 |
| Net loans and leases to deposits | 114.7155% | 172 |
| Net loans and leases to core deposits | 136.7482% | 249 |
| Total domestic deposits to total assets | 76.4707% | 4,960 |
| Equity capital to assets | 13.4663% | 1,179 |
| Core capital (leverage) ratio | 13.1595% | 1,145 |
| Tier 1 risk-based capital ratio | 13.2428% | 3,852 |
| Total risk-based capital ratio | 13.7417% | 4,240 |
| Memoranda: | ||
| Average total assets | $741,528,000 | 995 |
| Average earning assets | $677,695,250 | 1,000 |
| Average equity | $98,991,500 | 835 |
| Average total loans | $640,989,500 | 822 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 436 |
| Cost of funding earning assets | 0.9600% | 213 |
| Net interest margin | 4.1845% | 1,110 |
| Noninterest income to average assets | 0.2792% | 4,555 |
| Noninterest expense to average assets | 2.4612% | 3,886 |
| Loan and lease loss provision to assets | -0.0087% | 5,540 |
| Net operating income to assets | 0.9958% | 2,446 |
| Return on assets (ROA) | 0.9958% | 2,498 |
| Pretax return on assets | 1.6508% | 1,193 |
| Return on Equity (ROE) | 7.4821% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.4821% | 1,363 |
| Net charge-offs to loans | 0.0117% | 3,046 |
| Credit loss provision to net charge-offs | -86.4865% | 4,334 |
| Earnings coverage of net charge-offs (x) | 163.2432% | 469 |
| Efficiency ratio | 59.7761% | 4,345 |
| Assets per employee ($millions) | 7.9716% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5690% | 5,426 |
| Loan loss allowance to noncurrent loans | 80.1429% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,558 |
| Noncurrent loans to loans | 0.7100% | 2,625 |
| Net loans and leases to total assets | 86.3068% | 250 |
| Net loans and leases to deposits | 112.0123% | 227 |
| Net loans and leases to core deposits | 132.0866% | 273 |
| Total domestic deposits to total assets | 77.0511% | 4,949 |
| Equity capital to assets | 13.3346% | 1,212 |
| Core capital (leverage) ratio | 13.0849% | 1,140 |
| Tier 1 risk-based capital ratio | 13.2520% | 3,838 |
| Total risk-based capital ratio | 13.7659% | 4,192 |
| Memoranda: | ||
| Average total assets | $735,661,670 | 1,008 |
| Average earning assets | $672,284,000 | 1,012 |
| Average equity | $97,913,330 | 846 |
| Average total loans | $631,438,000 | 832 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 552 |
| Cost of funding earning assets | 0.9539% | 210 |
| Net interest margin | 4.0145% | 1,438 |
| Noninterest income to average assets | 0.2585% | 4,683 |
| Noninterest expense to average assets | 2.6239% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7903% | 3,266 |
| Return on assets (ROA) | 0.7903% | 3,324 |
| Pretax return on assets | 1.2980% | 2,240 |
| Return on Equity (ROE) | 5.9437% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.9437% | 2,378 |
| Net charge-offs to loans | 0.0315% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.2653% | 922 |
| Efficiency ratio | 66.6807% | 3,382 |
| Assets per employee ($millions) | 7.7148% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 5,478 |
| Loan loss allowance to noncurrent loans | 78.6182% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 2,555 |
| Noncurrent loans to loans | 0.7627% | 2,575 |
| Net loans and leases to total assets | 84.1639% | 353 |
| Net loans and leases to deposits | 109.3787% | 230 |
| Net loans and leases to core deposits | 130.4723% | 261 |
| Total domestic deposits to total assets | 76.9473% | 5,119 |
| Equity capital to assets | 13.3240% | 1,138 |
| Core capital (leverage) ratio | 12.9384% | 1,170 |
| Tier 1 risk-based capital ratio | 13.8814% | 3,556 |
| Total risk-based capital ratio | 14.4356% | 3,880 |
| Memoranda: | ||
| Average total assets | $728,829,000 | 1,017 |
| Average earning assets | $665,088,500 | 1,025 |
| Average equity | $96,910,000 | 851 |
| Average total loans | $621,946,500 | 846 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 950 |
| Cost of funding earning assets | 0.9503% | 228 |
| Net interest margin | 3.8072% | 2,299 |
| Noninterest income to average assets | 0.3241% | 4,421 |
| Noninterest expense to average assets | 2.5701% | 3,777 |
| Loan and lease loss provision to assets | 0.0223% | 3,930 |
| Net operating income to assets | 0.7366% | 3,611 |
| Return on assets (ROA) | 0.7366% | 3,720 |
| Pretax return on assets | 1.1905% | 2,714 |
| Return on Equity (ROE) | 5.1592% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,230 |
| Net charge-offs to loans | 0.0484% | 3,074 |
| Credit loss provision to net charge-offs | 53.8745% | 3,332 |
| Earnings coverage of net charge-offs (x) | 29.3542% | 1,449 |
| Efficiency ratio | 67.6916% | 3,303 |
| Assets per employee ($millions) | 7.7102% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6048% | 5,520 |
| Loan loss allowance to noncurrent loans | 70.8780% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 999 |
| Noncurrent loans to loans | 0.8533% | 2,397 |
| Net loans and leases to total assets | 85.4857% | 268 |
| Net loans and leases to deposits | 112.6675% | 176 |
| Net loans and leases to core deposits | 134.0239% | 236 |
| Total domestic deposits to total assets | 75.8744% | 5,255 |
| Equity capital to assets | 13.2690% | 1,146 |
| Core capital (leverage) ratio | 13.2021% | 1,060 |
| Tier 1 risk-based capital ratio | 13.4521% | 3,800 |
| Total risk-based capital ratio | 14.0042% | 4,123 |
| Memoranda: | ||
| Average total assets | $655,954,200 | 1,086 |
| Average earning assets | $595,928,400 | 1,095 |
| Average equity | $93,657,400 | 853 |
| Average total loans | $560,323,800 | 884 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,094 |
| Cost of funding earning assets | 0.9491% | 224 |
| Net interest margin | 3.7396% | 2,554 |
| Noninterest income to average assets | 0.3344% | 4,391 |
| Noninterest expense to average assets | 2.5944% | 3,683 |
| Loan and lease loss provision to assets | 0.0382% | 3,476 |
| Net operating income to assets | 0.6838% | 3,941 |
| Return on assets (ROA) | 0.6838% | 4,069 |
| Pretax return on assets | 1.0969% | 3,242 |
| Return on Equity (ROE) | 4.6952% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6952% | 3,021 |
| Net charge-offs to loans | 0.0663% | 2,387 |
| Credit loss provision to net charge-offs | 67.5277% | 2,830 |
| Earnings coverage of net charge-offs (x) | 20.0667% | 1,896 |
| Efficiency ratio | 69.3009% | 3,002 |
| Assets per employee ($millions) | 7.0594% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 5,532 |
| Loan loss allowance to noncurrent loans | 82.6351% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.6076% | 1,089 |
| Noncurrent loans to loans | 0.7842% | 2,718 |
| Net loans and leases to total assets | 86.1209% | 248 |
| Net loans and leases to deposits | 115.1415% | 167 |
| Net loans and leases to core deposits | 135.5246% | 241 |
| Total domestic deposits to total assets | 74.7957% | 5,357 |
| Equity capital to assets | 13.9683% | 1,046 |
| Core capital (leverage) ratio | 13.4402% | 1,021 |
| Tier 1 risk-based capital ratio | 14.5951% | 3,239 |
| Total risk-based capital ratio | 15.2132% | 3,500 |
| Memoranda: | ||
| Average total assets | $638,753,750 | 1,106 |
| Average earning assets | $579,897,500 | 1,124 |
| Average equity | $93,029,750 | 859 |
| Average total loans | $544,571,500 | 901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,074 |
| Cost of funding earning assets | 0.9390% | 238 |
| Net interest margin | 3.7481% | 2,521 |
| Noninterest income to average assets | 0.3302% | 4,419 |
| Noninterest expense to average assets | 2.5358% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7396% | 3,608 |
| Return on assets (ROA) | 0.7396% | 3,769 |
| Pretax return on assets | 1.1918% | 2,810 |
| Return on Equity (ROE) | 5.0040% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.0040% | 2,741 |
| Net charge-offs to loans | 0.0155% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 90.9512% | 629 |
| Efficiency ratio | 67.7613% | 3,386 |
| Assets per employee ($millions) | 6.8521% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,538 |
| Loan loss allowance to noncurrent loans | 72.8131% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 933 |
| Noncurrent loans to loans | 0.9502% | 2,383 |
| Net loans and leases to total assets | 84.9841% | 330 |
| Net loans and leases to deposits | 115.6967% | 151 |
| Net loans and leases to core deposits | 130.7122% | 296 |
| Total domestic deposits to total assets | 73.4542% | 5,572 |
| Equity capital to assets | 14.3879% | 906 |
| Core capital (leverage) ratio | 13.9677% | 828 |
| Tier 1 risk-based capital ratio | 15.4986% | 2,863 |
| Total risk-based capital ratio | 16.1699% | 3,057 |
| Memoranda: | ||
| Average total assets | $625,771,330 | 1,135 |
| Average earning assets | $567,225,330 | 1,149 |
| Average equity | $92,485,330 | 863 |
| Average total loans | $530,279,000 | 924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,229 |
| Cost of funding earning assets | 0.9249% | 255 |
| Net interest margin | 3.6883% | 2,716 |
| Noninterest income to average assets | 0.3412% | 4,290 |
| Noninterest expense to average assets | 2.5604% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6987% | 3,724 |
| Return on assets (ROA) | 0.6987% | 3,835 |
| Pretax return on assets | 1.1207% | 3,011 |
| Return on Equity (ROE) | 4.6616% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,144 |
| Net charge-offs to loans | -0.0062% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2717% | 3,253 |
| Assets per employee ($millions) | 6.6210% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 5,510 |
| Loan loss allowance to noncurrent loans | 102.5486% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6197% | 1,223 |
| Noncurrent loans to loans | 0.7241% | 3,026 |
| Net loans and leases to total assets | 81.2325% | 655 |
| Net loans and leases to deposits | 110.9853% | 203 |
| Net loans and leases to core deposits | 129.3112% | 281 |
| Total domestic deposits to total assets | 73.1921% | 5,678 |
| Equity capital to assets | 14.3968% | 858 |
| Core capital (leverage) ratio | 14.7135% | 662 |
| Tier 1 risk-based capital ratio | 17.1022% | 2,253 |
| Total risk-based capital ratio | 17.8606% | 2,384 |
| Memoranda: | ||
| Average total assets | $613,182,000 | 1,151 |
| Average earning assets | $555,275,500 | 1,168 |
| Average equity | $91,899,000 | 865 |
| Average total loans | $516,889,500 | 943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 1,386 |
| Cost of funding earning assets | 0.9014% | 288 |
| Net interest margin | 3.6784% | 2,839 |
| Noninterest income to average assets | 0.3249% | 4,568 |
| Noninterest expense to average assets | 2.9165% | 2,801 |
| Loan and lease loss provision to assets | 0.0805% | 2,673 |
| Net operating income to assets | 0.4166% | 4,999 |
| Return on assets (ROA) | 0.4166% | 5,082 |
| Pretax return on assets | 0.6252% | 4,768 |
| Return on Equity (ROE) | 2.5001% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.5001% | 4,295 |
| Net charge-offs to loans | 0.0780% | 2,704 |
| Credit loss provision to net charge-offs | 121.9101% | 2,117 |
| Earnings coverage of net charge-offs (x) | 10.6826% | 2,662 |
| Efficiency ratio | 80.1988% | 1,647 |
| Assets per employee ($millions) | 6.1487% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 5,494 |
| Loan loss allowance to noncurrent loans | 100.4125% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 1,059 |
| Noncurrent loans to loans | 0.7633% | 2,891 |
| Net loans and leases to total assets | 86.3298% | 209 |
| Net loans and leases to deposits | 117.6312% | 122 |
| Net loans and leases to core deposits | 129.4121% | 276 |
| Total domestic deposits to total assets | 73.3902% | 5,698 |
| Equity capital to assets | 15.6364% | 572 |
| Core capital (leverage) ratio | 15.5736% | 525 |
| Tier 1 risk-based capital ratio | 17.4828% | 2,131 |
| Total risk-based capital ratio | 18.2689% | 2,222 |
| Memoranda: | ||
| Average total assets | $538,866,600 | 1,259 |
| Average earning assets | $483,030,600 | 1,286 |
| Average equity | $89,798,200 | 850 |
| Average total loans | $456,531,800 | 1,007 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,376 |
| Cost of funding earning assets | 0.8952% | 301 |
| Net interest margin | 3.6870% | 2,822 |
| Noninterest income to average assets | 0.3169% | 4,672 |
| Noninterest expense to average assets | 2.9737% | 2,602 |
| Loan and lease loss provision to assets | 0.1097% | 2,048 |
| Net operating income to assets | 0.3644% | 5,278 |
| Return on assets (ROA) | 0.3644% | 5,363 |
| Pretax return on assets | 0.5310% | 5,148 |
| Return on Equity (ROE) | 2.1503% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.1503% | 4,809 |
| Net charge-offs to loans | 0.1082% | 2,047 |
| Credit loss provision to net charge-offs | 120.5556% | 1,976 |
| Earnings coverage of net charge-offs (x) | 7.0416% | 2,963 |
| Efficiency ratio | 81.9453% | 1,404 |
| Assets per employee ($millions) | 5.6611% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 5,425 |
| Loan loss allowance to noncurrent loans | 116.7467% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8675% | 1,121 |
| Noncurrent loans to loans | 0.7156% | 3,189 |
| Net loans and leases to total assets | 84.0860% | 380 |
| Net loans and leases to deposits | 112.3646% | 200 |
| Net loans and leases to core deposits | 119.8092% | 473 |
| Total domestic deposits to total assets | 74.8332% | 5,635 |
| Equity capital to assets | 16.4769% | 495 |
| Core capital (leverage) ratio | 16.1478% | 468 |
| Tier 1 risk-based capital ratio | 17.5859% | 2,163 |
| Total risk-based capital ratio | 18.3846% | 2,269 |
| Memoranda: | ||
| Average total assets | $527,550,500 | 1,289 |
| Average earning assets | $471,813,250 | 1,315 |
| Average equity | $89,413,500 | 859 |
| Average total loans | $443,621,250 | 1,039 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,554 |
| Cost of funding earning assets | 0.8974% | 295 |
| Net interest margin | 3.5978% | 3,103 |
| Noninterest income to average assets | 0.3586% | 4,380 |
| Noninterest expense to average assets | 3.0364% | 2,436 |
| Loan and lease loss provision to assets | 0.2564% | 666 |
| Net operating income to assets | 0.2152% | 5,660 |
| Return on assets (ROA) | 0.2152% | 5,729 |
| Pretax return on assets | 0.2756% | 5,697 |
| Return on Equity (ROE) | 1.2576% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.2576% | 5,049 |
| Net charge-offs to loans | 0.2673% | 981 |
| Credit loss provision to net charge-offs | 114.4082% | 1,872 |
| Earnings coverage of net charge-offs (x) | 2.3739% | 3,353 |
| Efficiency ratio | 84.7587% | 1,181 |
| Assets per employee ($millions) | 5.8132% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 5,410 |
| Loan loss allowance to noncurrent loans | 99.0854% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3900% | 818 |
| Noncurrent loans to loans | 0.8752% | 2,940 |
| Net loans and leases to total assets | 84.2782% | 353 |
| Net loans and leases to deposits | 111.4773% | 229 |
| Net loans and leases to core deposits | 121.5209% | 428 |
| Total domestic deposits to total assets | 75.6013% | 5,645 |
| Equity capital to assets | 16.9269% | 429 |
| Core capital (leverage) ratio | 16.1722% | 445 |
| Tier 1 risk-based capital ratio | 17.7829% | 2,134 |
| Total risk-based capital ratio | 18.6053% | 2,229 |
| Memoranda: | ||
| Average total assets | $520,358,000 | 1,311 |
| Average earning assets | $464,228,670 | 1,346 |
| Average equity | $89,058,330 | 866 |
| Average total loans | $436,285,000 | 1,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,528 |
| Cost of funding earning assets | 0.8831% | 310 |
| Net interest margin | 3.5931% | 3,033 |
| Noninterest income to average assets | 0.2828% | 4,918 |
| Noninterest expense to average assets | 3.0834% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2959% | 5,435 |
| Return on assets (ROA) | 0.2959% | 5,532 |
| Pretax return on assets | 0.4114% | 5,406 |
| Return on Equity (ROE) | 1.7150% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.7150% | 4,788 |
| Net charge-offs to loans | -0.0233% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8963% | 1,022 |
| Assets per employee ($millions) | 5.8090% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,482 |
| Loan loss allowance to noncurrent loans | 102.4813% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 918 |
| Noncurrent loans to loans | 0.8637% | 3,088 |
| Net loans and leases to total assets | 81.3601% | 531 |
| Net loans and leases to deposits | 107.6943% | 266 |
| Net loans and leases to core deposits | 114.4435% | 563 |
| Total domestic deposits to total assets | 75.5472% | 5,782 |
| Equity capital to assets | 16.8948% | 440 |
| Core capital (leverage) ratio | 16.6121% | 403 |
| Tier 1 risk-based capital ratio | 19.6895% | 1,694 |
| Total risk-based capital ratio | 20.5867% | 1,736 |
| Memoranda: | ||
| Average total assets | $516,315,000 | 1,327 |
| Average earning assets | $461,547,500 | 1,355 |
| Average equity | $89,094,000 | 865 |
| Average total loans | $429,855,500 | 1,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 1,218 |
| Cost of funding earning assets | 0.8944% | 401 |
| Net interest margin | 3.8460% | 2,440 |
| Noninterest income to average assets | 0.4006% | 4,175 |
| Noninterest expense to average assets | 3.3290% | 1,854 |
| Loan and lease loss provision to assets | -0.0441% | 6,013 |
| Net operating income to assets | 0.3711% | 5,321 |
| Return on assets (ROA) | 0.3711% | 5,388 |
| Pretax return on assets | 0.5454% | 5,114 |
| Return on Equity (ROE) | 1.9929% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,796 |
| Net charge-offs to loans | -0.0023% | 5,382 |
| Credit loss provision to net charge-offs | 2,311.1111% | 140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5685% | 1,110 |
| Assets per employee ($millions) | 5.3049% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 5,486 |
| Loan loss allowance to noncurrent loans | 87.5430% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.5976% | 871 |
| Noncurrent loans to loans | 1.0238% | 2,777 |
| Net loans and leases to total assets | 83.7286% | 366 |
| Net loans and leases to deposits | 111.7983% | 197 |
| Net loans and leases to core deposits | 118.8905% | 439 |
| Total domestic deposits to total assets | 74.8925% | 5,870 |
| Equity capital to assets | 17.6469% | 350 |
| Core capital (leverage) ratio | 16.8086% | 388 |
| Tier 1 risk-based capital ratio | 21.8545% | 1,245 |
| Total risk-based capital ratio | 22.8491% | 1,269 |
| Memoranda: | ||
| Average total assets | $471,551,600 | 1,418 |
| Average earning assets | $420,512,000 | 1,462 |
| Average equity | $87,813,800 | 839 |
| Average total loans | $397,702,800 | 1,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,385 |
| Cost of funding earning assets | 0.8903% | 434 |
| Net interest margin | 3.7778% | 2,701 |
| Noninterest income to average assets | 0.4039% | 4,217 |
| Noninterest expense to average assets | 3.3997% | 1,670 |
| Loan and lease loss provision to assets | -0.0598% | 6,213 |
| Net operating income to assets | 0.3061% | 5,559 |
| Return on assets (ROA) | 0.3061% | 5,635 |
| Pretax return on assets | 0.4336% | 5,517 |
| Return on Equity (ROE) | 1.6207% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.6207% | 5,235 |
| Net charge-offs to loans | -0.0150% | 5,540 |
| Credit loss provision to net charge-offs | 472.7273% | 601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7377% | 860 |
| Assets per employee ($millions) | 5.0063% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 5,534 |
| Loan loss allowance to noncurrent loans | 44.0820% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.6053% | 991 |
| Noncurrent loans to loans | 2.0882% | 1,503 |
| Net loans and leases to total assets | 84.4868% | 305 |
| Net loans and leases to deposits | 112.7737% | 170 |
| Net loans and leases to core deposits | 120.4916% | 387 |
| Total domestic deposits to total assets | 74.9171% | 5,934 |
| Equity capital to assets | 17.9757% | 341 |
| Core capital (leverage) ratio | 17.0753% | 365 |
| Tier 1 risk-based capital ratio | 20.8418% | 1,484 |
| Total risk-based capital ratio | 21.8105% | 1,501 |
| Memoranda: | ||
| Average total assets | $463,447,250 | 1,453 |
| Average earning assets | $413,349,500 | 1,492 |
| Average equity | $87,533,500 | 841 |
| Average total loans | $390,683,000 | 1,128 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,130 |
| Cost of funding earning assets | 0.9028% | 424 |
| Net interest margin | 3.8668% | 2,310 |
| Noninterest income to average assets | 0.4199% | 4,096 |
| Noninterest expense to average assets | 3.5428% | 1,401 |
| Loan and lease loss provision to assets | -0.0955% | 6,369 |
| Net operating income to assets | 0.2936% | 5,584 |
| Return on assets (ROA) | 0.2936% | 5,652 |
| Pretax return on assets | 0.4093% | 5,532 |
| Return on Equity (ROE) | 1.5278% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.5278% | 5,134 |
| Net charge-offs to loans | -0.0692% | 6,014 |
| Credit loss provision to net charge-offs | 164.3939% | 1,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5088% | 797 |
| Assets per employee ($millions) | 4.6840% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 5,271 |
| Loan loss allowance to noncurrent loans | 36.9326% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 3.1603% | 793 |
| Noncurrent loans to loans | 2.7569% | 1,089 |
| Net loans and leases to total assets | 82.3865% | 432 |
| Net loans and leases to deposits | 110.1624% | 205 |
| Net loans and leases to core deposits | 117.5771% | 437 |
| Total domestic deposits to total assets | 74.7865% | 6,038 |
| Equity capital to assets | 18.9207% | 265 |
| Core capital (leverage) ratio | 17.9742% | 300 |
| Tier 1 risk-based capital ratio | 22.7110% | 1,153 |
| Total risk-based capital ratio | 23.7945% | 1,165 |
| Memoranda: | ||
| Average total assets | $454,392,000 | 1,474 |
| Average earning assets | $403,847,670 | 1,519 |
| Average equity | $87,314,330 | 837 |
| Average total loans | $381,459,330 | 1,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,097 |
| Cost of funding earning assets | 0.9006% | 449 |
| Net interest margin | 3.8740% | 2,182 |
| Noninterest income to average assets | 0.4154% | 4,063 |
| Noninterest expense to average assets | 3.5862% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2072% | 5,780 |
| Return on assets (ROA) | 0.2072% | 5,833 |
| Pretax return on assets | 0.2686% | 5,786 |
| Return on Equity (ROE) | 1.0700% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.0700% | 5,171 |
| Net charge-offs to loans | -0.2004% | 6,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6627% | 832 |
| Assets per employee ($millions) | 4.4280% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,166 |
| Loan loss allowance to noncurrent loans | 89.1267% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.9293% | 1,782 |
| Noncurrent loans to loans | 1.2205% | 3,005 |
| Net loans and leases to total assets | 84.6576% | 205 |
| Net loans and leases to deposits | 113.8033% | 104 |
| Net loans and leases to core deposits | 121.5867% | 294 |
| Total domestic deposits to total assets | 74.3894% | 6,210 |
| Equity capital to assets | 19.3174% | 247 |
| Core capital (leverage) ratio | 18.3312% | 290 |
| Tier 1 risk-based capital ratio | 22.6205% | 1,190 |
| Total risk-based capital ratio | 23.7836% | 1,182 |
| Memoranda: | ||
| Average total assets | $449,728,500 | 1,486 |
| Average earning assets | $399,276,500 | 1,541 |
| Average equity | $87,102,000 | 842 |
| Average total loans | $379,203,000 | 1,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 1,001 |
| Cost of funding earning assets | 0.9410% | 603 |
| Net interest margin | 4.0114% | 1,918 |
| Noninterest income to average assets | 0.4674% | 3,980 |
| Noninterest expense to average assets | 3.7868% | 1,158 |
| Loan and lease loss provision to assets | -0.1303% | 6,520 |
| Net operating income to assets | 0.2544% | 5,681 |
| Return on assets (ROA) | 0.2544% | 5,752 |
| Pretax return on assets | 0.3428% | 5,621 |
| Return on Equity (ROE) | 1.2543% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.2543% | 5,264 |
| Net charge-offs to loans | 0.0221% | 4,993 |
| Credit loss provision to net charge-offs | -719.4805% | 6,195 |
| Earnings coverage of net charge-offs (x) | 11.7403% | 2,205 |
| Efficiency ratio | 92.3574% | 849 |
| Assets per employee ($millions) | 4.3902% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,243 |
| Loan loss allowance to noncurrent loans | 86.1218% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 1,868 |
| Noncurrent loans to loans | 1.2538% | 3,031 |
| Net loans and leases to total assets | 82.1403% | 408 |
| Net loans and leases to deposits | 110.6840% | 165 |
| Net loans and leases to core deposits | 118.3311% | 364 |
| Total domestic deposits to total assets | 74.2115% | 6,264 |
| Equity capital to assets | 19.4184% | 240 |
| Core capital (leverage) ratio | 18.0536% | 298 |
| Tier 1 risk-based capital ratio | 23.0065% | 1,099 |
| Total risk-based capital ratio | 24.1687% | 1,087 |
| Memoranda: | ||
| Average total assets | $425,315,600 | 1,555 |
| Average earning assets | $374,478,400 | 1,611 |
| Average equity | $86,264,000 | 825 |
| Average total loans | $349,098,600 | 1,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 914 |
| Cost of funding earning assets | 0.9564% | 618 |
| Net interest margin | 4.0594% | 1,760 |
| Noninterest income to average assets | 0.4746% | 3,975 |
| Noninterest expense to average assets | 3.8173% | 1,062 |
| Loan and lease loss provision to assets | -0.1760% | 6,702 |
| Net operating income to assets | 0.3082% | 5,592 |
| Return on assets (ROA) | 0.3082% | 5,707 |
| Pretax return on assets | 0.4038% | 5,611 |
| Return on Equity (ROE) | 1.5022% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.5022% | 5,380 |
| Net charge-offs to loans | 0.0299% | 4,534 |
| Credit loss provision to net charge-offs | -719.4805% | 6,128 |
| Earnings coverage of net charge-offs (x) | 9.3121% | 2,500 |
| Efficiency ratio | 91.3846% | 890 |
| Assets per employee ($millions) | 4.1116% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,125 |
| Loan loss allowance to noncurrent loans | 174.1866% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 2,754 |
| Noncurrent loans to loans | 0.6595% | 4,551 |
| Net loans and leases to total assets | 82.3826% | 337 |
| Net loans and leases to deposits | 108.0093% | 189 |
| Net loans and leases to core deposits | 115.6970% | 400 |
| Total domestic deposits to total assets | 76.2737% | 6,140 |
| Equity capital to assets | 20.6847% | 185 |
| Core capital (leverage) ratio | 19.2549% | 228 |
| Tier 1 risk-based capital ratio | 24.2844% | 958 |
| Total risk-based capital ratio | 25.5141% | 941 |
| Memoranda: | ||
| Average total assets | $419,694,250 | 1,582 |
| Average earning assets | $369,145,250 | 1,643 |
| Average equity | $86,091,000 | 829 |
| Average total loans | $343,413,250 | 1,241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 687 |
| Cost of funding earning assets | 0.9599% | 674 |
| Net interest margin | 4.1963% | 1,284 |
| Noninterest income to average assets | 0.4874% | 3,915 |
| Noninterest expense to average assets | 3.9810% | 884 |
| Loan and lease loss provision to assets | -0.1729% | 6,767 |
| Net operating income to assets | 0.2863% | 5,641 |
| Return on assets (ROA) | 0.2863% | 5,785 |
| Pretax return on assets | 0.3659% | 5,713 |
| Return on Equity (ROE) | 1.3998% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.3998% | 5,322 |
| Net charge-offs to loans | 0.0457% | 4,037 |
| Credit loss provision to net charge-offs | -465.3846% | 5,893 |
| Earnings coverage of net charge-offs (x) | 5.1923% | 2,951 |
| Efficiency ratio | 91.2225% | 961 |
| Assets per employee ($millions) | 3.9899% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 4,745 |
| Loan loss allowance to noncurrent loans | 194.1367% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4428% | 2,938 |
| Noncurrent loans to loans | 0.6426% | 4,653 |
| Net loans and leases to total assets | 80.2167% | 517 |
| Net loans and leases to deposits | 105.6156% | 231 |
| Net loans and leases to core deposits | 113.1840% | 454 |
| Total domestic deposits to total assets | 75.9516% | 6,252 |
| Equity capital to assets | 20.7948% | 174 |
| Core capital (leverage) ratio | 19.3489% | 222 |
| Tier 1 risk-based capital ratio | 25.4186% | 831 |
| Total risk-based capital ratio | 26.6729% | 811 |
| Memoranda: | ||
| Average total assets | $419,798,330 | 1,586 |
| Average earning assets | $368,804,000 | 1,641 |
| Average equity | $85,872,000 | 829 |
| Average total loans | $341,380,000 | 1,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 724 |
| Cost of funding earning assets | 0.9829% | 674 |
| Net interest margin | 4.1320% | 1,368 |
| Noninterest income to average assets | 0.5286% | 3,580 |
| Noninterest expense to average assets | 3.8662% | 1,040 |
| Loan and lease loss provision to assets | 0.0568% | 3,687 |
| Net operating income to assets | 0.2094% | 5,856 |
| Return on assets (ROA) | 0.2094% | 5,974 |
| Pretax return on assets | 0.2378% | 5,999 |
| Return on Equity (ROE) | 1.0319% | 6,217 |
| Retained earnings to average equity (ytd only) | 1.0319% | 5,439 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5774% | 941 |
| Assets per employee ($millions) | 3.9854% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,468 |
| Loan loss allowance to noncurrent loans | 72.2666% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6016% | 1,754 |
| Noncurrent loans to loans | 1.8678% | 2,775 |
| Net loans and leases to total assets | 82.9813% | 234 |
| Net loans and leases to deposits | 108.8466% | 143 |
| Net loans and leases to core deposits | 116.2938% | 344 |
| Total domestic deposits to total assets | 76.2369% | 6,336 |
| Equity capital to assets | 20.7050% | 190 |
| Core capital (leverage) ratio | 19.1649% | 231 |
| Tier 1 risk-based capital ratio | 24.6262% | 939 |
| Total risk-based capital ratio | 25.8792% | 926 |
| Memoranda: | ||
| Average total assets | $422,224,500 | 1,592 |
| Average earning assets | $371,151,500 | 1,652 |
| Average equity | $85,664,500 | 840 |
| Average total loans | $343,539,500 | 1,234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 1,896 |
| Cost of funding earning assets | 1.0029% | 1,344 |
| Net interest margin | 3.8802% | 2,911 |
| Noninterest income to average assets | 0.5696% | 3,449 |
| Noninterest expense to average assets | 3.9164% | 1,082 |
| Loan and lease loss provision to assets | 1.2395% | 288 |
| Net operating income to assets | -0.5650% | 6,604 |
| Return on assets (ROA) | -0.5650% | 6,635 |
| Pretax return on assets | -1.0802% | 6,751 |
| Return on Equity (ROE) | -2.9248% | 6,494 |
| Retained earnings to average equity (ytd only) | -2.9248% | 6,256 |
| Net charge-offs to loans | 2.3867% | 270 |
| Credit loss provision to net charge-offs | 67.1483% | 4,248 |
| Earnings coverage of net charge-offs (x) | 0.0863% | 5,445 |
| Efficiency ratio | 94.5319% | 776 |
| Assets per employee ($millions) | 3.4957% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,296 |
| Loan loss allowance to noncurrent loans | 117.1162% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.9159% | 2,550 |
| Noncurrent loans to loans | 1.1722% | 3,895 |
| Net loans and leases to total assets | 77.6303% | 716 |
| Net loans and leases to deposits | 103.7456% | 272 |
| Net loans and leases to core deposits | 110.7268% | 516 |
| Total domestic deposits to total assets | 74.8275% | 6,459 |
| Equity capital to assets | 19.8877% | 229 |
| Core capital (leverage) ratio | 18.3856% | 261 |
| Tier 1 risk-based capital ratio | 24.1270% | 955 |
| Total risk-based capital ratio | 25.3795% | 936 |
| Memoranda: | ||
| Average total assets | $453,634,600 | 1,452 |
| Average earning assets | $409,896,800 | 1,474 |
| Average equity | $87,630,000 | 792 |
| Average total loans | $350,854,800 | 1,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 2,351 |
| Cost of funding earning assets | 0.9989% | 1,562 |
| Net interest margin | 3.8126% | 3,281 |
| Noninterest income to average assets | 0.5373% | 3,691 |
| Noninterest expense to average assets | 3.7807% | 1,243 |
| Loan and lease loss provision to assets | 0.5887% | 958 |
| Net operating income to assets | -0.1512% | 6,453 |
| Return on assets (ROA) | -0.1512% | 6,534 |
| Pretax return on assets | -0.3661% | 6,639 |
| Return on Equity (ROE) | -0.7879% | 6,487 |
| Retained earnings to average equity (ytd only) | -0.7879% | 6,243 |
| Net charge-offs to loans | 1.4016% | 644 |
| Credit loss provision to net charge-offs | 54.5284% | 4,290 |
| Earnings coverage of net charge-offs (x) | 0.2061% | 5,220 |
| Efficiency ratio | 94.1078% | 766 |
| Assets per employee ($millions) | 3.4480% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 3,357 |
| Loan loss allowance to noncurrent loans | 40.7035% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.2262% | 1,595 |
| Noncurrent loans to loans | 4.0367% | 1,262 |
| Net loans and leases to total assets | 78.6076% | 664 |
| Net loans and leases to deposits | 105.4564% | 245 |
| Net loans and leases to core deposits | 111.2444% | 529 |
| Total domestic deposits to total assets | 74.5404% | 6,555 |
| Equity capital to assets | 20.1572% | 233 |
| Core capital (leverage) ratio | 18.9135% | 251 |
| Tier 1 risk-based capital ratio | 22.2747% | 1,282 |
| Total risk-based capital ratio | 23.5312% | 1,265 |
| Memoranda: | ||
| Average total assets | $459,550,750 | 1,448 |
| Average earning assets | $417,762,000 | 1,455 |
| Average equity | $88,159,750 | 793 |
| Average total loans | $353,960,250 | 1,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,792 |
| Cost of funding earning assets | 1.0596% | 1,415 |
| Net interest margin | 3.6716% | 3,954 |
| Noninterest income to average assets | 0.4911% | 3,977 |
| Noninterest expense to average assets | 3.5391% | 1,700 |
| Loan and lease loss provision to assets | 0.0500% | 5,048 |
| Net operating income to assets | 0.2137% | 5,873 |
| Return on assets (ROA) | 0.2137% | 6,063 |
| Pretax return on assets | 0.2654% | 6,025 |
| Return on Equity (ROE) | 1.1318% | 6,276 |
| Retained earnings to average equity (ytd only) | 1.1318% | 5,620 |
| Net charge-offs to loans | 2.0477% | 396 |
| Credit loss provision to net charge-offs | 3.2081% | 4,794 |
| Earnings coverage of net charge-offs (x) | 0.2024% | 4,973 |
| Efficiency ratio | 91.4837% | 960 |
| Assets per employee ($millions) | 3.8550% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,785 |
| Loan loss allowance to noncurrent loans | 47.8945% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 2,986 |
| Noncurrent loans to loans | 2.2902% | 2,624 |
| Net loans and leases to total assets | 79.3429% | 580 |
| Net loans and leases to deposits | 106.4905% | 217 |
| Net loans and leases to core deposits | 110.9578% | 546 |
| Total domestic deposits to total assets | 74.5071% | 6,635 |
| Equity capital to assets | 20.1656% | 229 |
| Core capital (leverage) ratio | 19.1008% | 238 |
| Tier 1 risk-based capital ratio | 22.7287% | 1,167 |
| Total risk-based capital ratio | 23.7902% | 1,179 |
| Memoranda: | ||
| Average total assets | $467,919,330 | 1,429 |
| Average earning assets | $428,644,000 | 1,429 |
| Average equity | $88,355,670 | 786 |
| Average total loans | $356,209,670 | 1,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 3,719 |
| Cost of funding earning assets | 1.1395% | 1,217 |
| Net interest margin | 3.4104% | 5,081 |
| Noninterest income to average assets | 0.4380% | 4,397 |
| Noninterest expense to average assets | 3.3417% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1892% | 6,015 |
| Return on assets (ROA) | 0.1892% | 6,158 |
| Pretax return on assets | 0.2298% | 6,132 |
| Return on Equity (ROE) | 1.0337% | 6,341 |
| Retained earnings to average equity (ytd only) | 1.0337% | 5,662 |
| Net charge-offs to loans | 0.3474% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8907% | 3,880 |
| Efficiency ratio | 93.2172% | 872 |
| Assets per employee ($millions) | 4.3525% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 2,461 |
| Loan loss allowance to noncurrent loans | 36.8047% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 4.0398% | 1,358 |
| Noncurrent loans to loans | 5.3446% | 1,016 |
| Net loans and leases to total assets | 71.8022% | 1,439 |
| Net loans and leases to deposits | 92.6822% | 751 |
| Net loans and leases to core deposits | 101.7606% | 873 |
| Total domestic deposits to total assets | 77.4714% | 6,342 |
| Equity capital to assets | 17.9611% | 339 |
| Core capital (leverage) ratio | 16.9586% | 356 |
| Tier 1 risk-based capital ratio | 21.6531% | 1,348 |
| Total risk-based capital ratio | 22.9104% | 1,323 |
| Memoranda: | ||
| Average total assets | $482,145,500 | 1,400 |
| Average earning assets | $443,000,500 | 1,390 |
| Average equity | $88,223,000 | 785 |
| Average total loans | $358,038,000 | 1,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 1,467 |
| Cost of funding earning assets | 1.3459% | 1,261 |
| Net interest margin | 4.0339% | 2,712 |
| Noninterest income to average assets | 0.3804% | 4,784 |
| Noninterest expense to average assets | 3.0776% | 3,281 |
| Loan and lease loss provision to assets | 0.2488% | 3,717 |
| Net operating income to assets | 0.5075% | 4,389 |
| Return on assets (ROA) | 0.5075% | 4,600 |
| Pretax return on assets | 0.7613% | 4,113 |
| Return on Equity (ROE) | 2.6103% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.6103% | 4,367 |
| Net charge-offs to loans | 0.5624% | 2,770 |
| Credit loss provision to net charge-offs | 54.1302% | 5,315 |
| Earnings coverage of net charge-offs (x) | 2.1973% | 4,139 |
| Efficiency ratio | 74.9549% | 3,065 |
| Assets per employee ($millions) | 4.6319% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,512 |
| Loan loss allowance to noncurrent loans | 27.5017% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 3.9388% | 1,461 |
| Noncurrent loans to loans | 5.0551% | 1,111 |
| Net loans and leases to total assets | 74.2704% | 1,221 |
| Net loans and leases to deposits | 98.2918% | 543 |
| Net loans and leases to core deposits | 107.9597% | 704 |
| Total domestic deposits to total assets | 75.5611% | 6,536 |
| Equity capital to assets | 18.6488% | 303 |
| Core capital (leverage) ratio | 18.0210% | 296 |
| Tier 1 risk-based capital ratio | 30.0522% | 517 |
| Total risk-based capital ratio | 31.3085% | 507 |
| Memoranda: | ||
| Average total assets | $447,661,000 | 1,462 |
| Average earning assets | $411,409,200 | 1,453 |
| Average equity | $87,039,000 | 774 |
| Average total loans | $365,945,000 | 1,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 1,148 |
| Cost of funding earning assets | 1.3740% | 1,347 |
| Net interest margin | 4.1736% | 2,195 |
| Noninterest income to average assets | 0.4053% | 4,627 |
| Noninterest expense to average assets | 3.0063% | 3,534 |
| Loan and lease loss provision to assets | 0.3364% | 2,865 |
| Net operating income to assets | 0.5874% | 4,143 |
| Return on assets (ROA) | 0.5874% | 4,324 |
| Pretax return on assets | 0.8964% | 3,777 |
| Return on Equity (ROE) | 2.9886% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.9886% | 4,565 |
| Net charge-offs to loans | 0.6940% | 2,180 |
| Credit loss provision to net charge-offs | 58.0813% | 4,851 |
| Earnings coverage of net charge-offs (x) | 2.1283% | 4,069 |
| Efficiency ratio | 70.5970% | 3,834 |
| Assets per employee ($millions) | 5.2823% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,536 |
| Loan loss allowance to noncurrent loans | 29.0106% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 4.1094% | 1,489 |
| Noncurrent loans to loans | 4.8444% | 1,316 |
| Net loans and leases to total assets | 79.4837% | 561 |
| Net loans and leases to deposits | 106.9816% | 229 |
| Net loans and leases to core deposits | 112.2889% | 600 |
| Total domestic deposits to total assets | 74.2965% | 6,726 |
| Equity capital to assets | 19.5400% | 276 |
| Core capital (leverage) ratio | 18.9374% | 263 |
| Tier 1 risk-based capital ratio | 30.1256% | 534 |
| Total risk-based capital ratio | 31.3753% | 524 |
| Memoranda: | ||
| Average total assets | $441,462,500 | 1,489 |
| Average earning assets | $405,527,500 | 1,487 |
| Average equity | $86,772,000 | 781 |
| Average total loans | $368,471,000 | 1,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 1,052 |
| Cost of funding earning assets | 1.3897% | 1,461 |
| Net interest margin | 4.2236% | 1,943 |
| Noninterest income to average assets | 0.3846% | 4,800 |
| Noninterest expense to average assets | 2.8554% | 4,209 |
| Loan and lease loss provision to assets | 0.3285% | 2,815 |
| Net operating income to assets | 0.6953% | 3,565 |
| Return on assets (ROA) | 0.6953% | 3,682 |
| Pretax return on assets | 1.0808% | 2,930 |
| Return on Equity (ROE) | 3.5303% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.5303% | 4,002 |
| Net charge-offs to loans | 0.8073% | 1,888 |
| Credit loss provision to net charge-offs | 48.1952% | 4,626 |
| Earnings coverage of net charge-offs (x) | 2.0675% | 3,822 |
| Efficiency ratio | 66.6346% | 4,754 |
| Assets per employee ($millions) | 4.9696% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,723 |
| Loan loss allowance to noncurrent loans | 31.1018% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 4.0171% | 1,591 |
| Noncurrent loans to loans | 4.4094% | 1,522 |
| Net loans and leases to total assets | 85.0831% | 175 |
| Net loans and leases to deposits | 117.6350% | 102 |
| Net loans and leases to core deposits | 123.6927% | 348 |
| Total domestic deposits to total assets | 72.3281% | 6,985 |
| Equity capital to assets | 20.1836% | 250 |
| Core capital (leverage) ratio | 19.5276% | 246 |
| Tier 1 risk-based capital ratio | 29.8530% | 542 |
| Total risk-based capital ratio | 31.1030% | 527 |
| Memoranda: | ||
| Average total assets | $438,950,670 | 1,509 |
| Average earning assets | $403,255,330 | 1,507 |
| Average equity | $86,451,330 | 780 |
| Average total loans | $370,639,000 | 1,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 876 |
| Cost of funding earning assets | 1.4270% | 1,483 |
| Net interest margin | 4.2762% | 1,641 |
| Noninterest income to average assets | 0.3772% | 4,900 |
| Noninterest expense to average assets | 2.8491% | 4,271 |
| Loan and lease loss provision to assets | 0.2967% | 2,785 |
| Net operating income to assets | 0.7227% | 3,417 |
| Return on assets (ROA) | 0.7227% | 3,482 |
| Pretax return on assets | 1.1586% | 2,517 |
| Return on Equity (ROE) | 3.7144% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.7144% | 3,945 |
| Net charge-offs to loans | 0.8423% | 1,563 |
| Credit loss provision to net charge-offs | 42.1594% | 3,901 |
| Earnings coverage of net charge-offs (x) | 2.0681% | 3,262 |
| Efficiency ratio | 65.8752% | 5,055 |
| Assets per employee ($millions) | 5.0210% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 4,309 |
| Loan loss allowance to noncurrent loans | 26.9650% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 4.8328% | 1,317 |
| Noncurrent loans to loans | 5.4794% | 1,196 |
| Net loans and leases to total assets | 83.0562% | 273 |
| Net loans and leases to deposits | 113.9796% | 131 |
| Net loans and leases to core deposits | 119.4427% | 431 |
| Total domestic deposits to total assets | 72.8694% | 7,009 |
| Equity capital to assets | 19.7989% | 266 |
| Core capital (leverage) ratio | 19.2039% | 262 |
| Tier 1 risk-based capital ratio | 29.6893% | 534 |
| Total risk-based capital ratio | 30.9394% | 524 |
| Memoranda: | ||
| Average total assets | $442,248,500 | 1,513 |
| Average earning assets | $406,159,500 | 1,501 |
| Average equity | $86,044,500 | 773 |
| Average total loans | $369,470,500 | 1,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4885% | 2,338 |
| Cost of funding earning assets | 1.9642% | 688 |
| Net interest margin | 3.5243% | 5,141 |
| Noninterest income to average assets | 0.6880% | 2,916 |
| Noninterest expense to average assets | 2.6848% | 5,056 |
| Loan and lease loss provision to assets | 0.7161% | 2,289 |
| Net operating income to assets | 0.3586% | 4,712 |
| Return on assets (ROA) | 0.3586% | 4,873 |
| Pretax return on assets | 0.5340% | 4,517 |
| Return on Equity (ROE) | 2.0635% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.0635% | 4,433 |
| Net charge-offs to loans | 1.0349% | 2,131 |
| Credit loss provision to net charge-offs | 87.8055% | 5,216 |
| Earnings coverage of net charge-offs (x) | 1.5329% | 4,597 |
| Efficiency ratio | 67.9164% | 4,577 |
| Assets per employee ($millions) | 5.1456% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 3,616 |
| Loan loss allowance to noncurrent loans | 29.5792% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 4.6572% | 1,422 |
| Noncurrent loans to loans | 5.3727% | 1,225 |
| Net loans and leases to total assets | 81.4879% | 490 |
| Net loans and leases to deposits | 110.4719% | 230 |
| Net loans and leases to core deposits | 115.8950% | 646 |
| Total domestic deposits to total assets | 73.7635% | 6,922 |
| Equity capital to assets | 19.1217% | 313 |
| Core capital (leverage) ratio | 18.4069% | 306 |
| Tier 1 risk-based capital ratio | 28.5868% | 565 |
| Total risk-based capital ratio | 29.8369% | 555 |
| Memoranda: | ||
| Average total assets | $486,660,000 | 1,372 |
| Average earning assets | $448,370,200 | 1,364 |
| Average equity | $84,563,800 | 789 |
| Average total loans | $383,514,800 | 1,183 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 3,860 |
| Cost of funding earning assets | 2.0131% | 720 |
| Net interest margin | 3.1813% | 6,407 |
| Noninterest income to average assets | 0.3185% | 5,602 |
| Noninterest expense to average assets | 2.5981% | 5,332 |
| Loan and lease loss provision to assets | 0.2291% | 4,784 |
| Net operating income to assets | 0.3091% | 5,130 |
| Return on assets (ROA) | 0.3091% | 5,301 |
| Pretax return on assets | 0.4238% | 5,156 |
| Return on Equity (ROE) | 1.8203% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.8203% | 5,050 |
| Net charge-offs to loans | 0.7630% | 2,520 |
| Credit loss provision to net charge-offs | 38.5450% | 6,036 |
| Earnings coverage of net charge-offs (x) | 1.0985% | 4,958 |
| Efficiency ratio | 79.5440% | 2,417 |
| Assets per employee ($millions) | 5.2946% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,768 |
| Loan loss allowance to noncurrent loans | 47.7392% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 2.3957% | 2,984 |
| Noncurrent loans to loans | 2.7985% | 2,849 |
| Net loans and leases to total assets | 76.8677% | 1,244 |
| Net loans and leases to deposits | 101.5612% | 553 |
| Net loans and leases to core deposits | 105.4844% | 1,362 |
| Total domestic deposits to total assets | 75.6862% | 6,707 |
| Equity capital to assets | 17.6361% | 448 |
| Core capital (leverage) ratio | 16.8791% | 442 |
| Tier 1 risk-based capital ratio | 27.2763% | 676 |
| Total risk-based capital ratio | 28.5262% | 667 |
| Memoranda: | ||
| Average total assets | $496,407,500 | 1,370 |
| Average earning assets | $457,581,750 | 1,352 |
| Average equity | $84,304,250 | 784 |
| Average total loans | $386,721,500 | 1,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 4,055 |
| Cost of funding earning assets | 2.0394% | 803 |
| Net interest margin | 3.1386% | 6,495 |
| Noninterest income to average assets | 0.3336% | 5,485 |
| Noninterest expense to average assets | 2.6046% | 5,310 |
| Loan and lease loss provision to assets | 0.3563% | 3,581 |
| Net operating income to assets | 0.2170% | 5,499 |
| Return on assets (ROA) | 0.2170% | 5,631 |
| Pretax return on assets | 0.2697% | 5,599 |
| Return on Equity (ROE) | 1.2940% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.2940% | 5,235 |
| Net charge-offs to loans | 0.9050% | 2,023 |
| Credit loss provision to net charge-offs | 50.5376% | 5,405 |
| Earnings coverage of net charge-offs (x) | 0.8879% | 4,883 |
| Efficiency ratio | 80.2519% | 2,411 |
| Assets per employee ($millions) | 5.2420% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,277 |
| Loan loss allowance to noncurrent loans | 46.9289% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.5519% | 2,835 |
| Noncurrent loans to loans | 3.0505% | 2,639 |
| Net loans and leases to total assets | 76.0579% | 1,486 |
| Net loans and leases to deposits | 101.9079% | 602 |
| Net loans and leases to core deposits | 106.0739% | 1,435 |
| Total domestic deposits to total assets | 74.6339% | 6,893 |
| Equity capital to assets | 16.9337% | 535 |
| Core capital (leverage) ratio | 16.1274% | 551 |
| Tier 1 risk-based capital ratio | 26.3366% | 749 |
| Total risk-based capital ratio | 27.5867% | 739 |
| Memoranda: | ||
| Average total assets | $501,272,670 | 1,354 |
| Average earning assets | $462,686,670 | 1,342 |
| Average equity | $84,081,330 | 780 |
| Average total loans | $390,504,330 | 1,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1433% | 4,330 |
| Cost of funding earning assets | 2.0614% | 912 |
| Net interest margin | 3.0819% | 6,642 |
| Noninterest income to average assets | 0.3094% | 5,669 |
| Noninterest expense to average assets | 2.6366% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3643% | 5,001 |
| Return on assets (ROA) | 0.3643% | 5,126 |
| Pretax return on assets | 0.5265% | 4,870 |
| Return on Equity (ROE) | 2.1820% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.1820% | 4,828 |
| Net charge-offs to loans | 0.3658% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.8389% | 3,634 |
| Efficiency ratio | 82.9771% | 2,144 |
| Assets per employee ($millions) | 4.9794% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 3,375 |
| Loan loss allowance to noncurrent loans | 39.5532% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 3.3640% | 2,113 |
| Noncurrent loans to loans | 4.0878% | 1,899 |
| Net loans and leases to total assets | 77.8904% | 1,176 |
| Net loans and leases to deposits | 104.2159% | 516 |
| Net loans and leases to core deposits | 108.0260% | 1,415 |
| Total domestic deposits to total assets | 74.7395% | 6,942 |
| Equity capital to assets | 16.9112% | 544 |
| Core capital (leverage) ratio | 16.1120% | 567 |
| Tier 1 risk-based capital ratio | 25.7689% | 794 |
| Total risk-based capital ratio | 27.0189% | 778 |
| Memoranda: | ||
| Average total assets | $502,915,000 | 1,385 |
| Average earning assets | $465,692,000 | 1,364 |
| Average equity | $83,958,000 | 789 |
| Average total loans | $393,626,500 | 1,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 3,905 |
| Cost of funding earning assets | 2.3921% | 1,327 |
| Net interest margin | 3.1528% | 6,221 |
| Noninterest income to average assets | 0.2720% | 6,167 |
| Noninterest expense to average assets | 2.8955% | 4,545 |
| Loan and lease loss provision to assets | 1.5629% | 1,469 |
| Net operating income to assets | -0.6028% | 6,273 |
| Return on assets (ROA) | -0.6028% | 6,266 |
| Pretax return on assets | -1.2362% | 6,560 |
| Return on Equity (ROE) | -3.4450% | 6,047 |
| Retained earnings to average equity (ytd only) | -3.4450% | 5,779 |
| Net charge-offs to loans | 0.5987% | 3,423 |
| Credit loss provision to net charge-offs | 314.5806% | 1,038 |
| Earnings coverage of net charge-offs (x) | 0.6576% | 5,434 |
| Efficiency ratio | 89.4622% | 1,752 |
| Assets per employee ($millions) | 5.0789% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 2,858 |
| Loan loss allowance to noncurrent loans | 72.7813% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9467% | 3,458 |
| Noncurrent loans to loans | 2.3538% | 3,224 |
| Net loans and leases to total assets | 76.0594% | 1,783 |
| Net loans and leases to deposits | 100.9415% | 832 |
| Net loans and leases to core deposits | 135.3302% | 986 |
| Total domestic deposits to total assets | 75.3500% | 6,800 |
| Equity capital to assets | 16.4816% | 621 |
| Core capital (leverage) ratio | 15.6558% | 670 |
| Tier 1 risk-based capital ratio | 25.7600% | 780 |
| Total risk-based capital ratio | 27.0099% | 770 |
| Memoranda: | ||
| Average total assets | $467,966,800 | 1,482 |
| Average earning assets | $437,896,800 | 1,446 |
| Average equity | $81,887,600 | 790 |
| Average total loans | $388,320,200 | 1,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 3,505 |
| Cost of funding earning assets | 2.4694% | 1,390 |
| Net interest margin | 3.1945% | 6,043 |
| Noninterest income to average assets | 0.2515% | 6,434 |
| Noninterest expense to average assets | 2.8757% | 4,551 |
| Loan and lease loss provision to assets | 0.7447% | 2,509 |
| Net operating income to assets | -0.1767% | 6,024 |
| Return on assets (ROA) | -0.1767% | 6,038 |
| Pretax return on assets | -0.3755% | 6,169 |
| Return on Equity (ROE) | -0.9938% | 5,927 |
| Retained earnings to average equity (ytd only) | -0.9938% | 5,485 |
| Net charge-offs to loans | 0.1508% | 5,203 |
| Credit loss provision to net charge-offs | 584.0183% | 663 |
| Earnings coverage of net charge-offs (x) | 2.8949% | 3,778 |
| Efficiency ratio | 88.2200% | 1,853 |
| Assets per employee ($millions) | 4.7491% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,462 |
| Loan loss allowance to noncurrent loans | 58.3069% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6259% | 3,921 |
| Noncurrent loans to loans | 1.6573% | 4,155 |
| Net loans and leases to total assets | 81.7509% | 851 |
| Net loans and leases to deposits | 112.6237% | 370 |
| Net loans and leases to core deposits | 148.6042% | 609 |
| Total domestic deposits to total assets | 72.5876% | 7,135 |
| Equity capital to assets | 16.6951% | 671 |
| Core capital (leverage) ratio | 16.1414% | 655 |
| Tier 1 risk-based capital ratio | 25.5920% | 849 |
| Total risk-based capital ratio | 26.8419% | 830 |
| Memoranda: | ||
| Average total assets | $457,986,750 | 1,521 |
| Average earning assets | $429,143,000 | 1,490 |
| Average equity | $81,432,500 | 802 |
| Average total loans | $387,143,000 | 1,259 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7221% | 3,423 |
| Cost of funding earning assets | 2.4365% | 1,823 |
| Net interest margin | 3.2856% | 5,605 |
| Noninterest income to average assets | 0.2391% | 6,567 |
| Noninterest expense to average assets | 2.9614% | 4,247 |
| Loan and lease loss provision to assets | 0.1719% | 5,349 |
| Net operating income to assets | 0.1362% | 5,461 |
| Return on assets (ROA) | 0.1362% | 5,559 |
| Pretax return on assets | 0.1883% | 5,497 |
| Return on Equity (ROE) | 0.7498% | 5,709 |
| Retained earnings to average equity (ytd only) | 0.7498% | 4,892 |
| Net charge-offs to loans | 0.0867% | 5,339 |
| Credit loss provision to net charge-offs | 232.5301% | 1,990 |
| Earnings coverage of net charge-offs (x) | 4.8735% | 2,976 |
| Efficiency ratio | 88.7534% | 1,931 |
| Assets per employee ($millions) | 5.4757% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5264% | 7,759 |
| Loan loss allowance to noncurrent loans | 41.8339% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 4,673 |
| Noncurrent loans to loans | 1.2583% | 4,684 |
| Net loans and leases to total assets | 79.9508% | 1,322 |
| Net loans and leases to deposits | 111.2948% | 510 |
| Net loans and leases to core deposits | 143.6194% | 853 |
| Total domestic deposits to total assets | 71.8369% | 7,259 |
| Equity capital to assets | 16.5850% | 737 |
| Core capital (leverage) ratio | 16.1755% | 723 |
| Tier 1 risk-based capital ratio | 26.3990% | 824 |
| Total risk-based capital ratio | 27.0931% | 853 |
| Memoranda: | ||
| Average total assets | $449,178,330 | 1,573 |
| Average earning assets | $421,420,330 | 1,536 |
| Average equity | $81,619,000 | 807 |
| Average total loans | $382,899,000 | 1,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8973% | 2,811 |
| Cost of funding earning assets | 2.4010% | 2,290 |
| Net interest margin | 3.4963% | 4,752 |
| Noninterest income to average assets | 0.1928% | 6,915 |
| Noninterest expense to average assets | 2.7368% | 4,839 |
| Loan and lease loss provision to assets | 0.0468% | 6,382 |
| Net operating income to assets | 0.4146% | 4,802 |
| Return on assets (ROA) | 0.4146% | 4,977 |
| Pretax return on assets | 0.6926% | 4,456 |
| Return on Equity (ROE) | 2.1726% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.1726% | 4,665 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3253% | 3,111 |
| Assets per employee ($millions) | 5.0479% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4950% | 7,836 |
| Loan loss allowance to noncurrent loans | 51.7009% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 4,814 |
| Noncurrent loans to loans | 0.9575% | 5,080 |
| Net loans and leases to total assets | 86.6516% | 373 |
| Net loans and leases to deposits | 126.1874% | 187 |
| Net loans and leases to core deposits | 149.9116% | 712 |
| Total domestic deposits to total assets | 68.6690% | 7,548 |
| Equity capital to assets | 18.4171% | 554 |
| Core capital (leverage) ratio | 18.0976% | 545 |
| Tier 1 risk-based capital ratio | 27.8938% | 764 |
| Total risk-based capital ratio | 28.5612% | 775 |
| Memoranda: | ||
| Average total assets | $427,361,500 | 1,666 |
| Average earning assets | $401,334,500 | 1,627 |
| Average equity | $81,562,000 | 806 |
| Average total loans | $376,302,500 | 1,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2260% | 4,382 |
| Cost of funding earning assets | 2.5738% | 3,827 |
| Net interest margin | 3.6522% | 4,666 |
| Noninterest income to average assets | 0.4695% | 4,881 |
| Noninterest expense to average assets | 3.0346% | 3,952 |
| Loan and lease loss provision to assets | 0.1110% | 5,950 |
| Net operating income to assets | 0.4859% | 4,804 |
| Return on assets (ROA) | 0.4859% | 4,626 |
| Pretax return on assets | 0.7497% | 4,246 |
| Return on Equity (ROE) | 2.2430% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.2430% | 3,815 |
| Net charge-offs to loans | 0.0107% | 6,776 |
| Credit loss provision to net charge-offs | 1,174.2857% | 383 |
| Earnings coverage of net charge-offs (x) | 91.0857% | 463 |
| Efficiency ratio | 77.4898% | 2,996 |
| Assets per employee ($millions) | 4.6648% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 7,838 |
| Loan loss allowance to noncurrent loans | 99.4667% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 5,240 |
| Noncurrent loans to loans | 0.5126% | 5,815 |
| Net loans and leases to total assets | 88.6476% | 309 |
| Net loans and leases to deposits | 130.2034% | 210 |
| Net loans and leases to core deposits | 147.6717% | 954 |
| Total domestic deposits to total assets | 68.0839% | 7,461 |
| Equity capital to assets | 19.8078% | 478 |
| Core capital (leverage) ratio | 19.4550% | 475 |
| Tier 1 risk-based capital ratio | 29.9467% | 647 |
| Total risk-based capital ratio | 30.6495% | 658 |
| Memoranda: | ||
| Average total assets | $370,424,200 | 1,817 |
| Average earning assets | $347,462,800 | 1,781 |
| Average equity | $80,250,400 | 830 |
| Average total loans | $326,512,000 | 1,492 |