Home > Reading Co-operative Bank > Performance and Condition Ratios
Reading Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 2,706 |
| Cost of funding earning assets | 1.9486% | 994 |
| Net interest margin | 2.7415% | 3,760 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.5957% | 2,019 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1348% | 4,223 |
| Return on assets (ROA) | 0.1348% | 4,248 |
| Pretax return on assets | 0.1144% | 4,267 |
| Return on Equity (ROE) | 2.2500% | 4,124 |
| Retained earnings to average equity (ytd only) | 2.2525% | 3,516 |
| Net charge-offs to loans | 0.0315% | 1,667 |
| Credit loss provision to net charge-offs | 260.9756% | 1,043 |
| Earnings coverage of net charge-offs (x) | 7.3756% | 2,416 |
| Efficiency ratio | 93.6138% | 309 |
| Assets per employee ($millions) | 8.8074% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 4,147 |
| Loan loss allowance to noncurrent loans | 207.9379% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 1,935 |
| Noncurrent loans to loans | 0.3309% | 1,997 |
| Net loans and leases to total assets | 76.6900% | 1,019 |
| Net loans and leases to deposits | 101.2028% | 471 |
| Net loans and leases to core deposits | 118.0108% | 688 |
| Total domestic deposits to total assets | 75.7800% | 3,962 |
| Equity capital to assets | 5.8985% | 4,252 |
| Core capital (leverage) ratio | 7.7612% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7414% | 2,324 |
| Memoranda: | ||
| Average total assets | $853,873,000 | 1,128 |
| Average earning assets | $795,654,400 | 1,111 |
| Average equity | $51,098,200 | 1,584 |
| Average total loans | $651,371,600 | 1,028 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 2,703 |
| Cost of funding earning assets | 1.7821% | 1,038 |
| Net interest margin | 2.8069% | 3,715 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.6409% | 1,826 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.1670% | 4,267 |
| Return on assets (ROA) | 0.1670% | 4,282 |
| Pretax return on assets | 0.1393% | 4,316 |
| Return on Equity (ROE) | 2.7800% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.7804% | 3,562 |
| Net charge-offs to loans | 0.0056% | 2,250 |
| Credit loss provision to net charge-offs | 1,333.3333% | 330 |
| Earnings coverage of net charge-offs (x) | 45.8519% | 1,360 |
| Efficiency ratio | 93.0788% | 292 |
| Assets per employee ($millions) | 8.4640% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,127 |
| Loan loss allowance to noncurrent loans | 3,767.9688% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,695 |
| Noncurrent loans to loans | 0.0187% | 3,633 |
| Net loans and leases to total assets | 77.0300% | 992 |
| Net loans and leases to deposits | 86.8909% | 1,479 |
| Net loans and leases to core deposits | 111.8159% | 804 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 5.2118% | 4,211 |
| Core capital (leverage) ratio | 7.9104% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9249% | 2,289 |
| Memoranda: | ||
| Average total assets | $840,550,750 | 1,143 |
| Average earning assets | $782,337,500 | 1,122 |
| Average equity | $50,495,500 | 1,586 |
| Average total loans | $639,090,750 | 1,035 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 2,695 |
| Cost of funding earning assets | 1.5597% | 1,144 |
| Net interest margin | 2.9217% | 3,606 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.7022% | 1,638 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.1825% | 4,300 |
| Return on assets (ROA) | 0.1825% | 4,323 |
| Pretax return on assets | 0.1567% | 4,359 |
| Return on Equity (ROE) | 2.9000% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.9019% | 3,504 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.6154% | 309 |
| Assets per employee ($millions) | 8.0225% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 4,110 |
| Loan loss allowance to noncurrent loans | 948.3431% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,165 |
| Noncurrent loans to loans | 0.0788% | 3,121 |
| Net loans and leases to total assets | 75.2600% | 1,129 |
| Net loans and leases to deposits | 92.1699% | 1,013 |
| Net loans and leases to core deposits | 108.2773% | 894 |
| Total domestic deposits to total assets | 81.6600% | 3,301 |
| Equity capital to assets | 6.0183% | 4,146 |
| Core capital (leverage) ratio | 8.1611% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3702% | 2,146 |
| Memoranda: | ||
| Average total assets | $827,316,000 | 1,151 |
| Average earning assets | $768,877,667 | 1,147 |
| Average equity | $52,035,000 | 1,548 |
| Average total loans | $624,482,333 | 1,037 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 2,581 |
| Cost of funding earning assets | 1.3473% | 1,139 |
| Net interest margin | 3.0410% | 3,491 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8013% | 1,433 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.2099% | 4,347 |
| Return on assets (ROA) | 0.2099% | 4,312 |
| Pretax return on assets | 0.1853% | 4,352 |
| Return on Equity (ROE) | 3.2600% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.2630% | 3,448 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.9011% | 310 |
| Assets per employee ($millions) | 7.9603% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 4,172 |
| Loan loss allowance to noncurrent loans | 2,344.2211% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,552 |
| Noncurrent loans to loans | 0.0321% | 3,526 |
| Net loans and leases to total assets | 74.2400% | 1,174 |
| Net loans and leases to deposits | 83.5041% | 1,531 |
| Net loans and leases to core deposits | 89.8335% | 1,623 |
| Total domestic deposits to total assets | 88.9100% | 1,578 |
| Equity capital to assets | 6.4527% | 4,044 |
| Core capital (leverage) ratio | 8.3947% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7543% | 2,064 |
| Memoranda: | ||
| Average total assets | $811,772,000 | 1,184 |
| Average earning assets | $752,904,500 | 1,179 |
| Average equity | $52,222,000 | 1,555 |
| Average total loans | $611,257,500 | 1,076 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 2,155 |
| Cost of funding earning assets | 0.3017% | 2,861 |
| Net interest margin | 3.5440% | 1,804 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.4361% | 2,316 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7962% | 3,340 |
| Return on assets (ROA) | 0.7966% | 3,267 |
| Pretax return on assets | 1.0328% | 2,965 |
| Return on Equity (ROE) | 10.6900% | 2,580 |
| Retained earnings to average equity (ytd only) | 10.6920% | 963 |
| Net charge-offs to loans | 0.0023% | 2,437 |
| Credit loss provision to net charge-offs | 7,015.3846% | 96 |
| Earnings coverage of net charge-offs (x) | 651.4615% | 266 |
| Efficiency ratio | 67.8009% | 1,986 |
| Assets per employee ($millions) | 7.9567% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,128 |
| Loan loss allowance to noncurrent loans | 272.1823% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,118 |
| Noncurrent loans to loans | 0.2765% | 2,167 |
| Net loans and leases to total assets | 75.2400% | 1,098 |
| Net loans and leases to deposits | 91.0761% | 975 |
| Net loans and leases to core deposits | 98.0019% | 1,100 |
| Total domestic deposits to total assets | 82.6100% | 3,510 |
| Equity capital to assets | 6.4127% | 3,932 |
| Core capital (leverage) ratio | 8.8132% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8980% | 2,013 |
| Memoranda: | ||
| Average total assets | $732,024,600 | 1,267 |
| Average earning assets | $683,862,200 | 1,256 |
| Average equity | $54,536,200 | 1,508 |
| Average total loans | $559,938,400 | 1,091 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 1,972 |
| Cost of funding earning assets | 0.1635% | 3,699 |
| Net interest margin | 3.5582% | 1,495 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3143% | 2,592 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.9245% | 2,777 |
| Return on assets (ROA) | 0.9250% | 2,744 |
| Pretax return on assets | 1.2204% | 2,287 |
| Return on Equity (ROE) | 11.9500% | 2,048 |
| Retained earnings to average equity (ytd only) | 11.9533% | 804 |
| Net charge-offs to loans | 0.0032% | 2,115 |
| Credit loss provision to net charge-offs | 4,284.6154% | 128 |
| Earnings coverage of net charge-offs (x) | 546.8462% | 289 |
| Efficiency ratio | 63.6164% | 2,604 |
| Assets per employee ($millions) | 7.8347% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 4,215 |
| Loan loss allowance to noncurrent loans | 579.6399% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 2,976 |
| Noncurrent loans to loans | 0.1251% | 3,016 |
| Net loans and leases to total assets | 76.9500% | 806 |
| Net loans and leases to deposits | 85.2683% | 1,215 |
| Net loans and leases to core deposits | 90.9924% | 1,238 |
| Total domestic deposits to total assets | 90.2500% | 1,550 |
| Equity capital to assets | 6.5789% | 3,703 |
| Core capital (leverage) ratio | 9.1163% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9576% | 2,067 |
| Memoranda: | ||
| Average total assets | $716,113,750 | 1,299 |
| Average earning assets | $671,030,500 | 1,282 |
| Average equity | $55,414,250 | 1,507 |
| Average total loans | $549,122,250 | 1,100 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 1,729 |
| Cost of funding earning assets | 0.1202% | 3,961 |
| Net interest margin | 3.5161% | 1,275 |
| Noninterest income to average assets | 0.3003% | 3,359 |
| Noninterest expense to average assets | 2.1267% | 3,072 |
| Loan and lease loss provision to assets | 0.1177% | 853 |
| Net operating income to assets | 1.0283% | 2,051 |
| Return on assets (ROA) | 1.0290% | 2,024 |
| Pretax return on assets | 1.3669% | 1,531 |
| Return on Equity (ROE) | 12.6330% | 1,481 |
| Retained earnings to average equity (ytd only) | 12.6330% | 510 |
| Net charge-offs to loans | 0.0048% | 1,840 |
| Credit loss provision to net charge-offs | 3,200.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 403.3077% | 313 |
| Efficiency ratio | 58.9042% | 3,446 |
| Assets per employee ($millions) | 7.5156% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7222% | 4,298 |
| Loan loss allowance to noncurrent loans | 363.6691% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 2,608 |
| Noncurrent loans to loans | 0.1986% | 2,715 |
| Net loans and leases to total assets | 78.6867% | 506 |
| Net loans and leases to deposits | 86.8782% | 917 |
| Net loans and leases to core deposits | 91.9121% | 1,023 |
| Total domestic deposits to total assets | 90.5713% | 1,429 |
| Equity capital to assets | 7.6223% | 3,395 |
| Core capital (leverage) ratio | 9.2866% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5547% | 1,847 |
| Memoranda: | ||
| Average total assets | $706,720,667 | 1,310 |
| Average earning assets | $665,341,667 | 1,297 |
| Average equity | $57,563,667 | 1,489 |
| Average total loans | $539,848,667 | 1,106 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 1,592 |
| Cost of funding earning assets | 0.1152% | 3,946 |
| Net interest margin | 3.4543% | 1,176 |
| Noninterest income to average assets | 0.3056% | 3,279 |
| Noninterest expense to average assets | 2.6246% | 1,539 |
| Loan and lease loss provision to assets | 0.1449% | 554 |
| Net operating income to assets | 0.6083% | 3,370 |
| Return on assets (ROA) | 0.6083% | 3,348 |
| Pretax return on assets | 0.7951% | 3,122 |
| Return on Equity (ROE) | 7.2365% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.2365% | 1,817 |
| Net charge-offs to loans | 0.0393% | 890 |
| Credit loss provision to net charge-offs | 492.3077% | 528 |
| Earnings coverage of net charge-offs (x) | 31.9423% | 1,105 |
| Efficiency ratio | 73.6307% | 1,786 |
| Assets per employee ($millions) | 7.5959% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,355 |
| Loan loss allowance to noncurrent loans | 412.5536% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,849 |
| Noncurrent loans to loans | 0.1745% | 2,948 |
| Net loans and leases to total assets | 76.7237% | 460 |
| Net loans and leases to deposits | 84.7506% | 831 |
| Net loans and leases to core deposits | 90.3099% | 911 |
| Total domestic deposits to total assets | 90.5288% | 1,278 |
| Equity capital to assets | 8.2101% | 3,395 |
| Core capital (leverage) ratio | 8.7434% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6099% | 1,951 |
| Memoranda: | ||
| Average total assets | $706,846,500 | 1,312 |
| Average earning assets | $666,886,000 | 1,302 |
| Average equity | $59,421,000 | 1,499 |
| Average total loans | $529,802,500 | 1,116 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 2,105 |
| Cost of funding earning assets | 0.2519% | 2,908 |
| Net interest margin | 3.4494% | 1,880 |
| Noninterest income to average assets | 0.2613% | 3,810 |
| Noninterest expense to average assets | 2.5267% | 2,104 |
| Loan and lease loss provision to assets | 0.0149% | 2,784 |
| Net operating income to assets | 0.7714% | 3,416 |
| Return on assets (ROA) | 0.7714% | 3,483 |
| Pretax return on assets | 0.9925% | 3,282 |
| Return on Equity (ROE) | 8.5287% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.5287% | 1,335 |
| Net charge-offs to loans | -0.0010% | 3,284 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4950% | 1,566 |
| Assets per employee ($millions) | 7.7685% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 4,436 |
| Loan loss allowance to noncurrent loans | 285.3448% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,701 |
| Noncurrent loans to loans | 0.2430% | 2,758 |
| Net loans and leases to total assets | 72.1836% | 830 |
| Net loans and leases to deposits | 80.4143% | 1,178 |
| Net loans and leases to core deposits | 85.7662% | 1,220 |
| Total domestic deposits to total assets | 89.7646% | 1,077 |
| Equity capital to assets | 8.6443% | 3,942 |
| Core capital (leverage) ratio | 8.9221% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6687% | 1,985 |
| Memoranda: | ||
| Average total assets | $669,847,000 | 1,326 |
| Average earning assets | $635,550,600 | 1,315 |
| Average equity | $60,584,000 | 1,505 |
| Average total loans | $497,570,000 | 1,169 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 2,236 |
| Cost of funding earning assets | 0.2602% | 3,014 |
| Net interest margin | 3.4545% | 1,997 |
| Noninterest income to average assets | 0.2509% | 3,889 |
| Noninterest expense to average assets | 2.4880% | 2,156 |
| Loan and lease loss provision to assets | 0.0102% | 2,788 |
| Net operating income to assets | 0.7839% | 3,568 |
| Return on assets (ROA) | 0.7839% | 3,632 |
| Pretax return on assets | 1.0330% | 3,367 |
| Return on Equity (ROE) | 8.5631% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.5631% | 1,857 |
| Net charge-offs to loans | -0.0014% | 3,162 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4577% | 1,556 |
| Assets per employee ($millions) | 7.9720% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,424 |
| Loan loss allowance to noncurrent loans | 278.3721% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,820 |
| Noncurrent loans to loans | 0.2687% | 2,845 |
| Net loans and leases to total assets | 72.0161% | 872 |
| Net loans and leases to deposits | 82.3308% | 1,087 |
| Net loans and leases to core deposits | 92.3735% | 910 |
| Total domestic deposits to total assets | 87.4717% | 2,120 |
| Equity capital to assets | 9.2806% | 3,582 |
| Core capital (leverage) ratio | 9.3167% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5393% | 1,468 |
| Memoranda: | ||
| Average total assets | $656,692,250 | 1,361 |
| Average earning assets | $623,553,750 | 1,346 |
| Average equity | $60,117,000 | 1,536 |
| Average total loans | $490,676,750 | 1,203 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 2,525 |
| Cost of funding earning assets | 0.2672% | 3,111 |
| Net interest margin | 3.3647% | 2,260 |
| Noninterest income to average assets | 0.2382% | 3,979 |
| Noninterest expense to average assets | 2.4200% | 2,400 |
| Loan and lease loss provision to assets | 0.0153% | 2,644 |
| Net operating income to assets | 0.7481% | 3,647 |
| Return on assets (ROA) | 0.7481% | 3,713 |
| Pretax return on assets | 0.9975% | 3,452 |
| Return on Equity (ROE) | 8.2095% | 3,345 |
| Retained earnings to average equity (ytd only) | 8.2095% | 2,001 |
| Net charge-offs to loans | -0.0016% | 3,151 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4972% | 1,578 |
| Assets per employee ($millions) | 8.0067% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 4,506 |
| Loan loss allowance to noncurrent loans | 375.1306% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,270 |
| Noncurrent loans to loans | 0.1908% | 3,274 |
| Net loans and leases to total assets | 75.8302% | 608 |
| Net loans and leases to deposits | 86.7117% | 865 |
| Net loans and leases to core deposits | 100.8898% | 632 |
| Total domestic deposits to total assets | 87.4509% | 2,118 |
| Equity capital to assets | 9.2369% | 3,574 |
| Core capital (leverage) ratio | 9.2430% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5082% | 1,802 |
| Memoranda: | ||
| Average total assets | $655,030,333 | 1,354 |
| Average earning assets | $621,929,333 | 1,341 |
| Average equity | $59,686,667 | 1,534 |
| Average total loans | $494,200,333 | 1,198 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 2,616 |
| Cost of funding earning assets | 0.2750% | 3,223 |
| Net interest margin | 3.3332% | 2,290 |
| Noninterest income to average assets | 0.2323% | 3,993 |
| Noninterest expense to average assets | 2.4192% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7361% | 3,612 |
| Return on assets (ROA) | 0.7361% | 3,682 |
| Pretax return on assets | 0.9776% | 3,439 |
| Return on Equity (ROE) | 8.1341% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.1341% | 2,195 |
| Net charge-offs to loans | -0.0016% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2203% | 1,580 |
| Assets per employee ($millions) | 8.9100% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,545 |
| Loan loss allowance to noncurrent loans | 337.5954% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 3,368 |
| Noncurrent loans to loans | 0.2128% | 3,347 |
| Net loans and leases to total assets | 74.1722% | 798 |
| Net loans and leases to deposits | 84.3406% | 1,109 |
| Net loans and leases to core deposits | 101.5197% | 648 |
| Total domestic deposits to total assets | 87.9436% | 1,875 |
| Equity capital to assets | 8.9313% | 3,750 |
| Core capital (leverage) ratio | 9.1936% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4051% | 2,117 |
| Memoranda: | ||
| Average total assets | $654,270,000 | 1,344 |
| Average earning assets | $621,152,000 | 1,335 |
| Average equity | $59,207,500 | 1,535 |
| Average total loans | $490,573,500 | 1,201 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 2,621 |
| Cost of funding earning assets | 0.5275% | 2,767 |
| Net interest margin | 3.5078% | 2,447 |
| Noninterest income to average assets | 0.2816% | 3,795 |
| Noninterest expense to average assets | 2.5127% | 2,809 |
| Loan and lease loss provision to assets | 0.1240% | 2,811 |
| Net operating income to assets | 0.7397% | 3,300 |
| Return on assets (ROA) | 0.7407% | 3,418 |
| Pretax return on assets | 0.9569% | 3,191 |
| Return on Equity (ROE) | 8.1717% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.1717% | 1,007 |
| Net charge-offs to loans | 0.0072% | 3,084 |
| Credit loss provision to net charge-offs | 2,222.8571% | 408 |
| Earnings coverage of net charge-offs (x) | 193.4857% | 478 |
| Efficiency ratio | 69.9450% | 1,954 |
| Assets per employee ($millions) | 8.2177% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 4,551 |
| Loan loss allowance to noncurrent loans | 290.0738% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,348 |
| Noncurrent loans to loans | 0.2495% | 3,303 |
| Net loans and leases to total assets | 74.7114% | 937 |
| Net loans and leases to deposits | 89.3518% | 974 |
| Net loans and leases to core deposits | 103.5694% | 747 |
| Total domestic deposits to total assets | 83.6148% | 3,235 |
| Equity capital to assets | 9.1693% | 3,921 |
| Core capital (leverage) ratio | 9.0439% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2787% | 2,131 |
| Memoranda: | ||
| Average total assets | $627,204,800 | 1,288 |
| Average earning assets | $591,997,000 | 1,276 |
| Average equity | $56,854,600 | 1,504 |
| Average total loans | $487,514,600 | 1,163 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,622 |
| Cost of funding earning assets | 0.6026% | 2,596 |
| Net interest margin | 3.5175% | 2,534 |
| Noninterest income to average assets | 0.2584% | 3,932 |
| Noninterest expense to average assets | 2.4229% | 3,072 |
| Loan and lease loss provision to assets | 0.1668% | 2,330 |
| Net operating income to assets | 0.7640% | 3,232 |
| Return on assets (ROA) | 0.7920% | 3,237 |
| Pretax return on assets | 1.0215% | 2,990 |
| Return on Equity (ROE) | 8.7635% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.7635% | 1,050 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7582% | 2,224 |
| Assets per employee ($millions) | 8.2983% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,563 |
| Loan loss allowance to noncurrent loans | 304.4331% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 3,504 |
| Noncurrent loans to loans | 0.2332% | 3,468 |
| Net loans and leases to total assets | 79.1764% | 690 |
| Net loans and leases to deposits | 94.8486% | 857 |
| Net loans and leases to core deposits | 112.7405% | 604 |
| Total domestic deposits to total assets | 83.4766% | 2,999 |
| Equity capital to assets | 9.2001% | 3,951 |
| Core capital (leverage) ratio | 9.1443% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2887% | 2,070 |
| Memoranda: | ||
| Average total assets | $621,706,750 | 1,284 |
| Average earning assets | $586,354,500 | 1,265 |
| Average equity | $56,186,500 | 1,510 |
| Average total loans | $487,253,250 | 1,158 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,761 |
| Cost of funding earning assets | 0.7175% | 2,296 |
| Net interest margin | 3.4826% | 2,848 |
| Noninterest income to average assets | 0.2305% | 4,107 |
| Noninterest expense to average assets | 2.4163% | 3,211 |
| Loan and lease loss provision to assets | 0.2353% | 1,797 |
| Net operating income to assets | 0.6746% | 3,487 |
| Return on assets (ROA) | 0.6746% | 3,593 |
| Pretax return on assets | 0.8644% | 3,419 |
| Return on Equity (ROE) | 7.5106% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.5106% | 1,460 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7230% | 2,135 |
| Assets per employee ($millions) | 8.3094% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 4,580 |
| Loan loss allowance to noncurrent loans | 455.4981% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,930 |
| Noncurrent loans to loans | 0.1519% | 3,850 |
| Net loans and leases to total assets | 78.9786% | 726 |
| Net loans and leases to deposits | 98.3092% | 635 |
| Net loans and leases to core deposits | 117.5395% | 485 |
| Total domestic deposits to total assets | 80.3370% | 3,762 |
| Equity capital to assets | 8.8601% | 4,204 |
| Core capital (leverage) ratio | 9.0858% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0589% | 2,155 |
| Memoranda: | ||
| Average total assets | $618,719,667 | 1,265 |
| Average earning assets | $583,705,667 | 1,249 |
| Average equity | $55,574,667 | 1,510 |
| Average total loans | $482,034,000 | 1,149 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,801 |
| Cost of funding earning assets | 0.8592% | 2,063 |
| Net interest margin | 3.4793% | 3,045 |
| Noninterest income to average assets | 0.2610% | 3,978 |
| Noninterest expense to average assets | 2.4532% | 3,412 |
| Loan and lease loss provision to assets | 0.1315% | 2,079 |
| Net operating income to assets | 0.7417% | 3,123 |
| Return on assets (ROA) | 0.7417% | 3,201 |
| Pretax return on assets | 0.9514% | 2,994 |
| Return on Equity (ROE) | 8.1616% | 2,446 |
| Retained earnings to average equity (ytd only) | 8.1616% | 1,182 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3752% | 2,454 |
| Assets per employee ($millions) | 7.8381% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 4,717 |
| Loan loss allowance to noncurrent loans | 965.4839% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,345 |
| Noncurrent loans to loans | 0.0654% | 4,279 |
| Net loans and leases to total assets | 76.0812% | 1,291 |
| Net loans and leases to deposits | 92.7109% | 1,210 |
| Net loans and leases to core deposits | 123.5675% | 373 |
| Total domestic deposits to total assets | 82.0629% | 3,402 |
| Equity capital to assets | 9.0824% | 4,549 |
| Core capital (leverage) ratio | 9.0609% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7268% | 1,994 |
| Memoranda: | ||
| Average total assets | $608,356,000 | 1,250 |
| Average earning assets | $572,641,000 | 1,234 |
| Average equity | $55,283,500 | 1,516 |
| Average total loans | $468,630,000 | 1,151 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 3,288 |
| Cost of funding earning assets | 1.0586% | 1,484 |
| Net interest margin | 3.3286% | 3,922 |
| Noninterest income to average assets | 0.2913% | 3,947 |
| Noninterest expense to average assets | 2.5266% | 3,377 |
| Loan and lease loss provision to assets | 0.1573% | 1,338 |
| Net operating income to assets | 0.6078% | 4,133 |
| Return on assets (ROA) | 0.6078% | 4,198 |
| Pretax return on assets | 0.7461% | 4,097 |
| Return on Equity (ROE) | 6.8163% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.8163% | 1,472 |
| Net charge-offs to loans | 0.2446% | 842 |
| Credit loss provision to net charge-offs | 81.0954% | 2,781 |
| Earnings coverage of net charge-offs (x) | 4.6572% | 3,187 |
| Efficiency ratio | 73.6611% | 1,648 |
| Assets per employee ($millions) | 7.5634% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 4,736 |
| Loan loss allowance to noncurrent loans | 317.7474% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,900 |
| Noncurrent loans to loans | 0.1898% | 3,771 |
| Net loans and leases to total assets | 77.0494% | 1,252 |
| Net loans and leases to deposits | 96.3075% | 912 |
| Net loans and leases to core deposits | 124.6214% | 374 |
| Total domestic deposits to total assets | 80.0035% | 3,974 |
| Equity capital to assets | 9.0925% | 4,642 |
| Core capital (leverage) ratio | 8.9208% | 4,580 |
| Tier 1 risk-based capital ratio | 14.4101% | 3,066 |
| Total risk-based capital ratio | 15.1618% | 3,217 |
| Memoranda: | ||
| Average total assets | $583,548,600 | 1,247 |
| Average earning assets | $550,258,400 | 1,235 |
| Average equity | $52,036,800 | 1,541 |
| Average total loans | $462,763,000 | 1,141 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 3,310 |
| Cost of funding earning assets | 1.0966% | 1,370 |
| Net interest margin | 3.3161% | 4,064 |
| Noninterest income to average assets | 0.2954% | 3,971 |
| Noninterest expense to average assets | 2.5300% | 3,352 |
| Loan and lease loss provision to assets | 0.0310% | 3,282 |
| Net operating income to assets | 0.6880% | 4,050 |
| Return on assets (ROA) | 0.6880% | 4,108 |
| Pretax return on assets | 0.8663% | 3,962 |
| Return on Equity (ROE) | 7.7541% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.7541% | 1,513 |
| Net charge-offs to loans | 0.1150% | 1,328 |
| Credit loss provision to net charge-offs | 33.8346% | 2,893 |
| Earnings coverage of net charge-offs (x) | 9.7844% | 2,545 |
| Efficiency ratio | 73.8180% | 1,598 |
| Assets per employee ($millions) | 7.5832% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 4,857 |
| Loan loss allowance to noncurrent loans | 122.7293% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 2,990 |
| Noncurrent loans to loans | 0.4734% | 2,877 |
| Net loans and leases to total assets | 79.3515% | 937 |
| Net loans and leases to deposits | 98.2007% | 802 |
| Net loans and leases to core deposits | 126.4765% | 357 |
| Total domestic deposits to total assets | 80.8055% | 3,805 |
| Equity capital to assets | 9.1027% | 4,727 |
| Core capital (leverage) ratio | 9.0923% | 4,561 |
| Tier 1 risk-based capital ratio | 14.5674% | 3,036 |
| Total risk-based capital ratio | 15.3215% | 3,199 |
| Memoranda: | ||
| Average total assets | $580,059,500 | 1,259 |
| Average earning assets | $547,862,000 | 1,237 |
| Average equity | $51,464,000 | 1,558 |
| Average total loans | $462,662,000 | 1,144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 3,124 |
| Cost of funding earning assets | 1.1002% | 1,304 |
| Net interest margin | 3.3655% | 3,997 |
| Noninterest income to average assets | 0.3054% | 3,882 |
| Noninterest expense to average assets | 2.6058% | 3,186 |
| Loan and lease loss provision to assets | 0.0295% | 3,230 |
| Net operating income to assets | 0.6813% | 4,067 |
| Return on assets (ROA) | 0.6813% | 4,119 |
| Pretax return on assets | 0.8479% | 3,977 |
| Return on Equity (ROE) | 7.7480% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.7480% | 1,498 |
| Net charge-offs to loans | 0.1737% | 939 |
| Credit loss provision to net charge-offs | 21.3033% | 2,645 |
| Earnings coverage of net charge-offs (x) | 6.3358% | 2,581 |
| Efficiency ratio | 74.8107% | 1,539 |
| Assets per employee ($millions) | 7.1564% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 4,894 |
| Loan loss allowance to noncurrent loans | 119.0013% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 2,940 |
| Noncurrent loans to loans | 0.4933% | 2,803 |
| Net loans and leases to total assets | 78.6712% | 1,093 |
| Net loans and leases to deposits | 95.9815% | 1,039 |
| Net loans and leases to core deposits | 125.1128% | 410 |
| Total domestic deposits to total assets | 81.9650% | 3,522 |
| Equity capital to assets | 9.0398% | 4,773 |
| Core capital (leverage) ratio | 8.9916% | 4,633 |
| Tier 1 risk-based capital ratio | 14.4876% | 3,073 |
| Total risk-based capital ratio | 15.2385% | 3,239 |
| Memoranda: | ||
| Average total assets | $576,248,670 | 1,267 |
| Average earning assets | $544,107,000 | 1,248 |
| Average equity | $50,671,330 | 1,573 |
| Average total loans | $459,515,670 | 1,148 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 3,039 |
| Cost of funding earning assets | 1.0921% | 1,210 |
| Net interest margin | 3.3611% | 4,004 |
| Noninterest income to average assets | 0.3056% | 3,835 |
| Noninterest expense to average assets | 2.6073% | 3,197 |
| Loan and lease loss provision to assets | 0.0139% | 3,254 |
| Net operating income to assets | 0.7074% | 3,911 |
| Return on assets (ROA) | 0.7074% | 3,957 |
| Pretax return on assets | 0.8577% | 3,899 |
| Return on Equity (ROE) | 8.1596% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.1596% | 1,602 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9450% | 1,615 |
| Assets per employee ($millions) | 7.5146% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 4,839 |
| Loan loss allowance to noncurrent loans | 155.1230% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 3,252 |
| Noncurrent loans to loans | 0.4264% | 3,058 |
| Net loans and leases to total assets | 78.5852% | 1,059 |
| Net loans and leases to deposits | 94.7738% | 1,080 |
| Net loans and leases to core deposits | 123.0636% | 444 |
| Total domestic deposits to total assets | 82.9187% | 3,410 |
| Equity capital to assets | 8.7879% | 4,832 |
| Core capital (leverage) ratio | 8.8972% | 4,724 |
| Tier 1 risk-based capital ratio | 14.1553% | 3,269 |
| Total risk-based capital ratio | 14.9956% | 3,380 |
| Memoranda: | ||
| Average total assets | $574,537,000 | 1,272 |
| Average earning assets | $542,433,500 | 1,252 |
| Average equity | $49,806,500 | 1,583 |
| Average total loans | $459,909,500 | 1,155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,947 |
| Cost of funding earning assets | 0.8093% | 1,475 |
| Net interest margin | 3.5354% | 3,586 |
| Noninterest income to average assets | 0.3596% | 3,687 |
| Noninterest expense to average assets | 2.6260% | 3,255 |
| Loan and lease loss provision to assets | 0.0574% | 3,016 |
| Net operating income to assets | 0.7446% | 3,990 |
| Return on assets (ROA) | 0.7446% | 3,991 |
| Pretax return on assets | 0.9932% | 3,627 |
| Return on Equity (ROE) | 8.8024% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.8024% | 937 |
| Net charge-offs to loans | -0.0248% | 4,756 |
| Credit loss provision to net charge-offs | -285.7143% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4251% | 1,977 |
| Assets per employee ($millions) | 7.4084% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 4,896 |
| Loan loss allowance to noncurrent loans | 130.7258% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 2,944 |
| Noncurrent loans to loans | 0.4980% | 2,779 |
| Net loans and leases to total assets | 80.4751% | 869 |
| Net loans and leases to deposits | 103.7587% | 490 |
| Net loans and leases to core deposits | 130.9124% | 301 |
| Total domestic deposits to total assets | 77.5599% | 4,552 |
| Equity capital to assets | 8.5484% | 4,898 |
| Core capital (leverage) ratio | 8.8495% | 4,772 |
| Tier 1 risk-based capital ratio | 13.7297% | 3,423 |
| Total risk-based capital ratio | 14.5558% | 3,541 |
| Memoranda: | ||
| Average total assets | $557,508,800 | 1,275 |
| Average earning assets | $523,059,600 | 1,259 |
| Average equity | $47,157,600 | 1,592 |
| Average total loans | $451,631,400 | 1,141 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,985 |
| Cost of funding earning assets | 0.7387% | 1,626 |
| Net interest margin | 3.5555% | 3,504 |
| Noninterest income to average assets | 0.3548% | 3,757 |
| Noninterest expense to average assets | 2.6266% | 3,211 |
| Loan and lease loss provision to assets | 0.0649% | 2,671 |
| Net operating income to assets | 0.7390% | 4,113 |
| Return on assets (ROA) | 0.7390% | 4,121 |
| Pretax return on assets | 0.9956% | 3,729 |
| Return on Equity (ROE) | 8.7602% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.7602% | 1,320 |
| Net charge-offs to loans | -0.0395% | 4,848 |
| Credit loss provision to net charge-offs | -203.0075% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2356% | 2,003 |
| Assets per employee ($millions) | 7.1156% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 4,965 |
| Loan loss allowance to noncurrent loans | 112.1189% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 2,791 |
| Noncurrent loans to loans | 0.5825% | 2,631 |
| Net loans and leases to total assets | 80.6196% | 927 |
| Net loans and leases to deposits | 102.1506% | 638 |
| Net loans and leases to core deposits | 125.6317% | 421 |
| Total domestic deposits to total assets | 78.9223% | 4,330 |
| Equity capital to assets | 8.4131% | 4,975 |
| Core capital (leverage) ratio | 8.7590% | 4,914 |
| Tier 1 risk-based capital ratio | 13.8288% | 3,454 |
| Total risk-based capital ratio | 14.6710% | 3,590 |
| Memoranda: | ||
| Average total assets | $554,274,250 | 1,285 |
| Average earning assets | $519,488,500 | 1,270 |
| Average equity | $46,756,000 | 1,600 |
| Average total loans | $449,020,250 | 1,151 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,947 |
| Cost of funding earning assets | 0.6734% | 1,784 |
| Net interest margin | 3.5761% | 3,400 |
| Noninterest income to average assets | 0.3702% | 3,685 |
| Noninterest expense to average assets | 2.6712% | 3,105 |
| Loan and lease loss provision to assets | 0.0181% | 3,537 |
| Net operating income to assets | 0.7494% | 4,031 |
| Return on assets (ROA) | 0.7494% | 4,033 |
| Pretax return on assets | 1.0253% | 3,585 |
| Return on Equity (ROE) | 8.8756% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.8756% | 1,259 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9110% | 2,022 |
| Assets per employee ($millions) | 7.0289% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 5,128 |
| Loan loss allowance to noncurrent loans | 154.9263% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,540 |
| Noncurrent loans to loans | 0.3780% | 3,337 |
| Net loans and leases to total assets | 80.2855% | 977 |
| Net loans and leases to deposits | 106.9828% | 395 |
| Net loans and leases to core deposits | 131.3594% | 305 |
| Total domestic deposits to total assets | 75.0452% | 4,955 |
| Equity capital to assets | 8.4779% | 4,960 |
| Core capital (leverage) ratio | 8.7679% | 4,914 |
| Tier 1 risk-based capital ratio | 13.8365% | 3,441 |
| Total risk-based capital ratio | 14.5948% | 3,630 |
| Memoranda: | ||
| Average total assets | $551,654,330 | 1,290 |
| Average earning assets | $515,926,330 | 1,283 |
| Average equity | $46,577,000 | 1,615 |
| Average total loans | $446,637,330 | 1,152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 2,838 |
| Cost of funding earning assets | 0.6036% | 2,040 |
| Net interest margin | 3.6116% | 3,128 |
| Noninterest income to average assets | 0.3812% | 3,585 |
| Noninterest expense to average assets | 2.5615% | 3,454 |
| Loan and lease loss provision to assets | 0.0364% | 3,014 |
| Net operating income to assets | 0.8155% | 3,646 |
| Return on assets (ROA) | 0.8155% | 3,656 |
| Pretax return on assets | 1.1611% | 2,930 |
| Return on Equity (ROE) | 9.6789% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.6789% | 1,262 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1440% | 2,804 |
| Assets per employee ($millions) | 7.2445% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 5,207 |
| Loan loss allowance to noncurrent loans | 166.1392% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,711 |
| Noncurrent loans to loans | 0.3536% | 3,503 |
| Net loans and leases to total assets | 80.6897% | 837 |
| Net loans and leases to deposits | 106.8911% | 351 |
| Net loans and leases to core deposits | 125.3567% | 438 |
| Total domestic deposits to total assets | 75.4878% | 5,019 |
| Equity capital to assets | 8.4462% | 5,018 |
| Core capital (leverage) ratio | 8.6049% | 5,062 |
| Tier 1 risk-based capital ratio | 13.7667% | 3,511 |
| Total risk-based capital ratio | 14.5361% | 3,693 |
| Memoranda: | ||
| Average total assets | $549,841,000 | 1,304 |
| Average earning assets | $514,229,500 | 1,296 |
| Average equity | $46,327,500 | 1,635 |
| Average total loans | $445,738,000 | 1,161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 3,098 |
| Cost of funding earning assets | 0.4980% | 2,347 |
| Net interest margin | 3.5899% | 3,208 |
| Noninterest income to average assets | 0.3407% | 4,033 |
| Noninterest expense to average assets | 2.7840% | 2,830 |
| Loan and lease loss provision to assets | -0.0019% | 5,287 |
| Net operating income to assets | 0.4381% | 4,569 |
| Return on assets (ROA) | 0.4391% | 4,595 |
| Pretax return on assets | 0.9070% | 3,901 |
| Return on Equity (ROE) | 5.1187% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.1187% | 2,053 |
| Net charge-offs to loans | 0.0023% | 4,030 |
| Credit loss provision to net charge-offs | -100.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | 473.9000% | 185 |
| Efficiency ratio | 75.4964% | 1,693 |
| Assets per employee ($millions) | 6.7790% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 5,278 |
| Loan loss allowance to noncurrent loans | 342.4202% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,453 |
| Noncurrent loans to loans | 0.1691% | 4,244 |
| Net loans and leases to total assets | 80.4977% | 893 |
| Net loans and leases to deposits | 104.7072% | 461 |
| Net loans and leases to core deposits | 122.2767% | 516 |
| Total domestic deposits to total assets | 76.8789% | 4,868 |
| Equity capital to assets | 8.4050% | 5,186 |
| Core capital (leverage) ratio | 8.5550% | 5,091 |
| Tier 1 risk-based capital ratio | 13.5734% | 3,588 |
| Total risk-based capital ratio | 14.3358% | 3,765 |
| Memoranda: | ||
| Average total assets | $524,457,600 | 1,341 |
| Average earning assets | $488,954,800 | 1,334 |
| Average equity | $44,992,000 | 1,661 |
| Average total loans | $427,319,000 | 1,173 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,061 |
| Cost of funding earning assets | 0.4882% | 2,368 |
| Net interest margin | 3.5900% | 3,193 |
| Noninterest income to average assets | 0.3465% | 4,063 |
| Noninterest expense to average assets | 2.7793% | 2,802 |
| Loan and lease loss provision to assets | -0.0219% | 5,483 |
| Net operating income to assets | 0.6268% | 4,288 |
| Return on assets (ROA) | 0.6282% | 4,334 |
| Pretax return on assets | 0.9359% | 3,916 |
| Return on Equity (ROE) | 7.2836% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.2836% | 1,547 |
| Net charge-offs to loans | 0.0032% | 3,630 |
| Credit loss provision to net charge-offs | -850.0000% | 4,921 |
| Earnings coverage of net charge-offs (x) | 354.5799% | 263 |
| Efficiency ratio | 75.2944% | 1,694 |
| Assets per employee ($millions) | 6.3732% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 5,349 |
| Loan loss allowance to noncurrent loans | 536.4807% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,790 |
| Noncurrent loans to loans | 0.1094% | 4,617 |
| Net loans and leases to total assets | 80.9945% | 844 |
| Net loans and leases to deposits | 101.7023% | 636 |
| Net loans and leases to core deposits | 117.7290% | 669 |
| Total domestic deposits to total assets | 79.6387% | 4,409 |
| Equity capital to assets | 8.8295% | 5,051 |
| Core capital (leverage) ratio | 8.8106% | 4,952 |
| Tier 1 risk-based capital ratio | 14.0709% | 3,408 |
| Total risk-based capital ratio | 14.8359% | 3,570 |
| Memoranda: | ||
| Average total assets | $518,297,000 | 1,364 |
| Average earning assets | $482,882,750 | 1,360 |
| Average equity | $44,702,000 | 1,683 |
| Average total loans | $423,001,750 | 1,183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,158 |
| Cost of funding earning assets | 0.4817% | 2,315 |
| Net interest margin | 3.5334% | 3,282 |
| Noninterest income to average assets | 0.3510% | 4,044 |
| Noninterest expense to average assets | 2.8166% | 2,692 |
| Loan and lease loss provision to assets | -0.0619% | 5,613 |
| Net operating income to assets | 0.5963% | 4,324 |
| Return on assets (ROA) | 0.5963% | 4,370 |
| Pretax return on assets | 0.8861% | 3,972 |
| Return on Equity (ROE) | 6.9694% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.9694% | 1,609 |
| Net charge-offs to loans | 0.0047% | 3,311 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 390 |
| Efficiency ratio | 77.3621% | 1,544 |
| Assets per employee ($millions) | 6.3964% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5713% | 5,423 |
| Loan loss allowance to noncurrent loans | 664.3836% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,922 |
| Noncurrent loans to loans | 0.0860% | 4,786 |
| Net loans and leases to total assets | 80.4714% | 881 |
| Net loans and leases to deposits | 103.0804% | 548 |
| Net loans and leases to core deposits | 121.3931% | 501 |
| Total domestic deposits to total assets | 78.0666% | 4,805 |
| Equity capital to assets | 8.6177% | 5,210 |
| Core capital (leverage) ratio | 8.7374% | 5,016 |
| Tier 1 risk-based capital ratio | 13.8665% | 3,492 |
| Total risk-based capital ratio | 14.6124% | 3,687 |
| Memoranda: | ||
| Average total assets | $516,862,670 | 1,374 |
| Average earning assets | $481,237,330 | 1,366 |
| Average equity | $44,221,670 | 1,696 |
| Average total loans | $422,076,670 | 1,190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,104 |
| Cost of funding earning assets | 0.4655% | 2,379 |
| Net interest margin | 3.5176% | 3,211 |
| Noninterest income to average assets | 0.3579% | 3,976 |
| Noninterest expense to average assets | 2.8801% | 2,518 |
| Loan and lease loss provision to assets | 0.0312% | 3,156 |
| Net operating income to assets | 0.5099% | 4,557 |
| Return on assets (ROA) | 0.5099% | 4,587 |
| Pretax return on assets | 0.7282% | 4,349 |
| Return on Equity (ROE) | 5.9818% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.9818% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1345% | 1,470 |
| Assets per employee ($millions) | 6.4942% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 5,436 |
| Loan loss allowance to noncurrent loans | 513.6452% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,867 |
| Noncurrent loans to loans | 0.1220% | 4,700 |
| Net loans and leases to total assets | 81.4487% | 629 |
| Net loans and leases to deposits | 106.4038% | 308 |
| Net loans and leases to core deposits | 124.3393% | 354 |
| Total domestic deposits to total assets | 76.5468% | 5,169 |
| Equity capital to assets | 8.5911% | 5,166 |
| Core capital (leverage) ratio | 8.6184% | 5,136 |
| Tier 1 risk-based capital ratio | 13.6492% | 3,684 |
| Total risk-based capital ratio | 14.4629% | 3,859 |
| Memoranda: | ||
| Average total assets | $513,043,000 | 1,386 |
| Average earning assets | $478,625,500 | 1,382 |
| Average equity | $43,732,500 | 1,718 |
| Average total loans | $420,865,500 | 1,197 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,227 |
| Cost of funding earning assets | 0.4370% | 2,634 |
| Net interest margin | 3.5527% | 3,240 |
| Noninterest income to average assets | 0.5219% | 3,087 |
| Noninterest expense to average assets | 2.9969% | 2,366 |
| Loan and lease loss provision to assets | 0.0764% | 2,830 |
| Net operating income to assets | 0.5124% | 4,580 |
| Return on assets (ROA) | 0.5591% | 4,499 |
| Pretax return on assets | 0.8139% | 4,149 |
| Return on Equity (ROE) | 6.5567% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.5567% | 1,428 |
| Net charge-offs to loans | -0.0053% | 4,820 |
| Credit loss provision to net charge-offs | -1,819.0476% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4615% | 1,632 |
| Assets per employee ($millions) | 6.1077% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,500 |
| Loan loss allowance to noncurrent loans | 593.8215% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,996 |
| Noncurrent loans to loans | 0.1037% | 4,818 |
| Net loans and leases to total assets | 81.5983% | 655 |
| Net loans and leases to deposits | 108.0371% | 273 |
| Net loans and leases to core deposits | 126.3316% | 341 |
| Total domestic deposits to total assets | 75.5280% | 5,294 |
| Equity capital to assets | 8.4572% | 5,303 |
| Core capital (leverage) ratio | 8.6844% | 5,092 |
| Tier 1 risk-based capital ratio | 13.4787% | 3,782 |
| Total risk-based capital ratio | 14.2820% | 3,960 |
| Memoranda: | ||
| Average total assets | $499,944,400 | 1,377 |
| Average earning assets | $464,066,400 | 1,369 |
| Average equity | $42,628,200 | 1,735 |
| Average total loans | $399,217,800 | 1,206 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,329 |
| Cost of funding earning assets | 0.4406% | 2,628 |
| Net interest margin | 3.5277% | 3,367 |
| Noninterest income to average assets | 0.4894% | 3,326 |
| Noninterest expense to average assets | 2.9540% | 2,447 |
| Loan and lease loss provision to assets | 0.1090% | 2,108 |
| Net operating income to assets | 0.4837% | 4,751 |
| Return on assets (ROA) | 0.5463% | 4,619 |
| Pretax return on assets | 0.7882% | 4,341 |
| Return on Equity (ROE) | 6.3935% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.3935% | 1,964 |
| Net charge-offs to loans | -0.0071% | 4,688 |
| Credit loss provision to net charge-offs | -1,933.3333% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5551% | 1,608 |
| Assets per employee ($millions) | 6.3011% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 5,545 |
| Loan loss allowance to noncurrent loans | 540.9091% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,057 |
| Noncurrent loans to loans | 0.1186% | 4,865 |
| Net loans and leases to total assets | 80.4215% | 828 |
| Net loans and leases to deposits | 106.5203% | 362 |
| Net loans and leases to core deposits | 125.2979% | 384 |
| Total domestic deposits to total assets | 75.4987% | 5,288 |
| Equity capital to assets | 8.6507% | 5,434 |
| Core capital (leverage) ratio | 8.6768% | 5,179 |
| Tier 1 risk-based capital ratio | 13.5327% | 3,843 |
| Total risk-based capital ratio | 14.3609% | 4,002 |
| Memoranda: | ||
| Average total assets | $496,669,500 | 1,394 |
| Average earning assets | $460,533,500 | 1,388 |
| Average equity | $42,438,000 | 1,752 |
| Average total loans | $393,714,750 | 1,212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,398 |
| Cost of funding earning assets | 0.4433% | 2,630 |
| Net interest margin | 3.5137% | 3,439 |
| Noninterest income to average assets | 0.4577% | 3,471 |
| Noninterest expense to average assets | 3.0154% | 2,296 |
| Loan and lease loss provision to assets | 0.1113% | 2,016 |
| Net operating income to assets | 0.4109% | 5,001 |
| Return on assets (ROA) | 0.5067% | 4,762 |
| Pretax return on assets | 0.7268% | 4,541 |
| Return on Equity (ROE) | 5.9551% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,138 |
| Net charge-offs to loans | -0.0108% | 4,723 |
| Credit loss provision to net charge-offs | -1,309.5238% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1302% | 1,368 |
| Assets per employee ($millions) | 5.6829% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 5,635 |
| Loan loss allowance to noncurrent loans | 1,003.2258% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,180 |
| Noncurrent loans to loans | 0.0634% | 5,198 |
| Net loans and leases to total assets | 79.4960% | 990 |
| Net loans and leases to deposits | 105.8888% | 372 |
| Net loans and leases to core deposits | 125.4342% | 380 |
| Total domestic deposits to total assets | 75.0750% | 5,402 |
| Equity capital to assets | 8.7330% | 5,459 |
| Core capital (leverage) ratio | 8.6143% | 5,251 |
| Tier 1 risk-based capital ratio | 14.1804% | 3,508 |
| Total risk-based capital ratio | 15.0204% | 3,658 |
| Memoranda: | ||
| Average total assets | $494,196,670 | 1,399 |
| Average earning assets | $458,380,330 | 1,395 |
| Average equity | $42,048,330 | 1,763 |
| Average total loans | $388,948,670 | 1,224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,432 |
| Cost of funding earning assets | 0.4416% | 2,672 |
| Net interest margin | 3.4982% | 3,483 |
| Noninterest income to average assets | 0.4765% | 3,294 |
| Noninterest expense to average assets | 2.7642% | 3,202 |
| Loan and lease loss provision to assets | 0.0998% | 2,025 |
| Net operating income to assets | 0.5674% | 4,335 |
| Return on assets (ROA) | 0.7470% | 3,602 |
| Pretax return on assets | 1.1301% | 2,973 |
| Return on Equity (ROE) | 8.8949% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.8949% | 1,149 |
| Net charge-offs to loans | -0.0206% | 4,876 |
| Credit loss provision to net charge-offs | -620.0000% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2647% | 2,431 |
| Assets per employee ($millions) | 6.0005% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 5,738 |
| Loan loss allowance to noncurrent loans | 197.6311% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,479 |
| Noncurrent loans to loans | 0.3057% | 4,331 |
| Net loans and leases to total assets | 76.2383% | 1,357 |
| Net loans and leases to deposits | 100.9112% | 568 |
| Net loans and leases to core deposits | 121.4703% | 428 |
| Total domestic deposits to total assets | 75.5499% | 5,464 |
| Equity capital to assets | 8.4246% | 5,618 |
| Core capital (leverage) ratio | 8.5006% | 5,393 |
| Tier 1 risk-based capital ratio | 14.6227% | 3,329 |
| Total risk-based capital ratio | 15.4423% | 3,504 |
| Memoranda: | ||
| Average total assets | $496,930,000 | 1,389 |
| Average earning assets | $461,041,000 | 1,383 |
| Average equity | $41,732,000 | 1,773 |
| Average total loans | $387,918,500 | 1,224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 3,518 |
| Cost of funding earning assets | 0.4127% | 3,027 |
| Net interest margin | 3.5391% | 3,381 |
| Noninterest income to average assets | 0.4303% | 3,820 |
| Noninterest expense to average assets | 2.7987% | 3,232 |
| Loan and lease loss provision to assets | 0.0493% | 3,338 |
| Net operating income to assets | 0.5969% | 4,281 |
| Return on assets (ROA) | 0.5977% | 4,383 |
| Pretax return on assets | 0.8671% | 3,964 |
| Return on Equity (ROE) | 7.2616% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.2616% | 1,175 |
| Net charge-offs to loans | -0.0346% | 5,450 |
| Credit loss provision to net charge-offs | -179.5455% | 5,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3554% | 2,375 |
| Assets per employee ($millions) | 5.8311% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 5,851 |
| Loan loss allowance to noncurrent loans | 160.1169% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 4,333 |
| Noncurrent loans to loans | 0.3517% | 4,208 |
| Net loans and leases to total assets | 79.0163% | 988 |
| Net loans and leases to deposits | 108.3844% | 284 |
| Net loans and leases to core deposits | 128.1953% | 299 |
| Total domestic deposits to total assets | 72.9038% | 5,738 |
| Equity capital to assets | 8.3705% | 5,654 |
| Core capital (leverage) ratio | 8.2684% | 5,630 |
| Tier 1 risk-based capital ratio | 14.3375% | 3,532 |
| Total risk-based capital ratio | 15.1088% | 3,728 |
| Memoranda: | ||
| Average total assets | $481,043,600 | 1,401 |
| Average earning assets | $446,334,400 | 1,390 |
| Average equity | $39,591,600 | 1,814 |
| Average total loans | $381,306,000 | 1,210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,652 |
| Cost of funding earning assets | 0.4081% | 3,139 |
| Net interest margin | 3.5178% | 3,472 |
| Noninterest income to average assets | 0.4068% | 4,042 |
| Noninterest expense to average assets | 2.8139% | 3,133 |
| Loan and lease loss provision to assets | 0.0660% | 2,863 |
| Net operating income to assets | 0.5464% | 4,605 |
| Return on assets (ROA) | 0.5474% | 4,702 |
| Pretax return on assets | 0.7924% | 4,360 |
| Return on Equity (ROE) | 6.6802% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.6802% | 1,849 |
| Net charge-offs to loans | -0.0569% | 5,586 |
| Credit loss provision to net charge-offs | -146.2963% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6535% | 2,135 |
| Assets per employee ($millions) | 6.0256% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5613% | 5,949 |
| Loan loss allowance to noncurrent loans | 131.7319% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 4,264 |
| Noncurrent loans to loans | 0.4261% | 4,075 |
| Net loans and leases to total assets | 79.6374% | 866 |
| Net loans and leases to deposits | 113.5157% | 176 |
| Net loans and leases to core deposits | 135.3182% | 214 |
| Total domestic deposits to total assets | 70.1554% | 5,966 |
| Equity capital to assets | 8.1691% | 5,890 |
| Core capital (leverage) ratio | 8.1374% | 5,818 |
| Tier 1 risk-based capital ratio | 13.9983% | 3,848 |
| Total risk-based capital ratio | 14.7788% | 4,054 |
| Memoranda: | ||
| Average total assets | $478,851,000 | 1,414 |
| Average earning assets | $444,313,500 | 1,401 |
| Average equity | $39,239,500 | 1,846 |
| Average total loans | $379,326,250 | 1,217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,635 |
| Cost of funding earning assets | 0.4033% | 3,243 |
| Net interest margin | 3.5107% | 3,457 |
| Noninterest income to average assets | 0.4053% | 4,050 |
| Noninterest expense to average assets | 2.7760% | 3,329 |
| Loan and lease loss provision to assets | 0.1000% | 2,158 |
| Net operating income to assets | 0.5536% | 4,544 |
| Return on assets (ROA) | 0.5551% | 4,647 |
| Pretax return on assets | 0.7873% | 4,356 |
| Return on Equity (ROE) | 6.7670% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.7670% | 1,806 |
| Net charge-offs to loans | 0.0043% | 3,755 |
| Credit loss provision to net charge-offs | 2,962.5000% | 145 |
| Earnings coverage of net charge-offs (x) | 262.1250% | 261 |
| Efficiency ratio | 75.8215% | 2,395 |
| Assets per employee ($millions) | 5.6541% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 6,063 |
| Loan loss allowance to noncurrent loans | 760.3704% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 5,454 |
| Noncurrent loans to loans | 0.0695% | 5,456 |
| Net loans and leases to total assets | 79.5269% | 867 |
| Net loans and leases to deposits | 114.5485% | 167 |
| Net loans and leases to core deposits | 132.7951% | 232 |
| Total domestic deposits to total assets | 69.4264% | 6,059 |
| Equity capital to assets | 8.0446% | 5,967 |
| Core capital (leverage) ratio | 8.2470% | 5,747 |
| Tier 1 risk-based capital ratio | 11.4475% | 5,500 |
| Total risk-based capital ratio | 12.0472% | 5,742 |
| Memoranda: | ||
| Average total assets | $473,769,330 | 1,437 |
| Average earning assets | $439,394,670 | 1,430 |
| Average equity | $38,865,000 | 1,868 |
| Average total loans | $373,866,330 | 1,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 3,496 |
| Cost of funding earning assets | 0.4039% | 3,261 |
| Net interest margin | 3.5270% | 3,315 |
| Noninterest income to average assets | 0.3901% | 4,089 |
| Noninterest expense to average assets | 2.8328% | 3,128 |
| Loan and lease loss provision to assets | 0.1283% | 1,619 |
| Net operating income to assets | 0.5000% | 4,686 |
| Return on assets (ROA) | 0.5031% | 4,788 |
| Pretax return on assets | 0.6981% | 4,597 |
| Return on Equity (ROE) | 6.0714% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.0714% | 2,447 |
| Net charge-offs to loans | 0.0011% | 3,271 |
| Credit loss provision to net charge-offs | 15,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 961.0000% | 43 |
| Efficiency ratio | 77.5047% | 2,266 |
| Assets per employee ($millions) | 5.8888% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5225% | 6,152 |
| Loan loss allowance to noncurrent loans | 534.4173% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 5,450 |
| Noncurrent loans to loans | 0.0978% | 5,404 |
| Net loans and leases to total assets | 78.7154% | 836 |
| Net loans and leases to deposits | 113.6535% | 164 |
| Net loans and leases to core deposits | 132.0472% | 225 |
| Total domestic deposits to total assets | 69.2591% | 6,157 |
| Equity capital to assets | 8.2158% | 5,929 |
| Core capital (leverage) ratio | 8.3196% | 5,706 |
| Tier 1 risk-based capital ratio | 12.7327% | 4,770 |
| Total risk-based capital ratio | 13.3856% | 5,064 |
| Memoranda: | ||
| Average total assets | $467,527,500 | 1,460 |
| Average earning assets | $432,778,000 | 1,451 |
| Average equity | $38,739,000 | 1,886 |
| Average total loans | $366,422,000 | 1,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,491 |
| Cost of funding earning assets | 0.4277% | 3,408 |
| Net interest margin | 3.6299% | 3,293 |
| Noninterest income to average assets | 0.4151% | 4,079 |
| Noninterest expense to average assets | 2.8077% | 3,452 |
| Loan and lease loss provision to assets | 0.3495% | 547 |
| Net operating income to assets | 0.4484% | 5,030 |
| Return on assets (ROA) | 0.4863% | 4,953 |
| Pretax return on assets | 0.6752% | 4,707 |
| Return on Equity (ROE) | 5.9225% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.9225% | 1,972 |
| Net charge-offs to loans | 0.3727% | 1,157 |
| Credit loss provision to net charge-offs | 121.9745% | 1,967 |
| Earnings coverage of net charge-offs (x) | 3.3925% | 3,901 |
| Efficiency ratio | 74.2849% | 2,790 |
| Assets per employee ($millions) | 5.7258% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5129% | 6,242 |
| Loan loss allowance to noncurrent loans | 303.8333% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 5,507 |
| Noncurrent loans to loans | 0.1688% | 5,223 |
| Net loans and leases to total assets | 77.1909% | 1,111 |
| Net loans and leases to deposits | 109.0828% | 264 |
| Net loans and leases to core deposits | 125.8093% | 296 |
| Total domestic deposits to total assets | 70.7636% | 6,157 |
| Equity capital to assets | 8.3589% | 5,855 |
| Core capital (leverage) ratio | 8.3207% | 5,758 |
| Tier 1 risk-based capital ratio | 13.0831% | 4,669 |
| Total risk-based capital ratio | 13.7128% | 4,978 |
| Memoranda: | ||
| Average total assets | $438,400,200 | 1,518 |
| Average earning assets | $406,345,400 | 1,507 |
| Average equity | $35,998,200 | 1,951 |
| Average total loans | $337,021,200 | 1,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,520 |
| Cost of funding earning assets | 0.4331% | 3,434 |
| Net interest margin | 3.6280% | 3,318 |
| Noninterest income to average assets | 0.3239% | 4,840 |
| Noninterest expense to average assets | 2.7325% | 3,700 |
| Loan and lease loss provision to assets | 0.4494% | 347 |
| Net operating income to assets | 0.3832% | 5,310 |
| Return on assets (ROA) | 0.3946% | 5,346 |
| Pretax return on assets | 0.5220% | 5,260 |
| Return on Equity (ROE) | 4.8288% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.8288% | 3,196 |
| Net charge-offs to loans | 0.4977% | 778 |
| Credit loss provision to net charge-offs | 117.7276% | 1,941 |
| Earnings coverage of net charge-offs (x) | 2.5052% | 3,897 |
| Efficiency ratio | 74.0765% | 2,809 |
| Assets per employee ($millions) | 5.6054% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 6,321 |
| Loan loss allowance to noncurrent loans | 371.2185% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 5,740 |
| Noncurrent loans to loans | 0.1381% | 5,514 |
| Net loans and leases to total assets | 76.4463% | 1,164 |
| Net loans and leases to deposits | 108.2896% | 258 |
| Net loans and leases to core deposits | 123.7560% | 314 |
| Total domestic deposits to total assets | 70.5944% | 6,252 |
| Equity capital to assets | 8.2300% | 5,995 |
| Core capital (leverage) ratio | 8.3778% | 5,780 |
| Tier 1 risk-based capital ratio | 13.1314% | 4,777 |
| Total risk-based capital ratio | 13.7582% | 5,102 |
| Memoranda: | ||
| Average total assets | $433,484,750 | 1,545 |
| Average earning assets | $402,043,500 | 1,528 |
| Average equity | $35,425,500 | 1,983 |
| Average total loans | $332,425,250 | 1,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,264 |
| Cost of funding earning assets | 0.4399% | 3,441 |
| Net interest margin | 3.6805% | 3,029 |
| Noninterest income to average assets | 0.3216% | 4,845 |
| Noninterest expense to average assets | 2.7244% | 3,778 |
| Loan and lease loss provision to assets | 0.6483% | 213 |
| Net operating income to assets | 0.2954% | 5,580 |
| Return on assets (ROA) | 0.3141% | 5,596 |
| Pretax return on assets | 0.3851% | 5,603 |
| Return on Equity (ROE) | 3.8532% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.8532% | 3,722 |
| Net charge-offs to loans | 0.7558% | 505 |
| Credit loss provision to net charge-offs | 111.9259% | 1,793 |
| Earnings coverage of net charge-offs (x) | 1.7446% | 3,720 |
| Efficiency ratio | 72.9443% | 3,170 |
| Assets per employee ($millions) | 5.4869% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 6,407 |
| Loan loss allowance to noncurrent loans | 398.8235% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,859 |
| Noncurrent loans to loans | 0.1267% | 5,638 |
| Net loans and leases to total assets | 76.0478% | 1,153 |
| Net loans and leases to deposits | 106.5580% | 283 |
| Net loans and leases to core deposits | 120.3248% | 370 |
| Total domestic deposits to total assets | 71.3675% | 6,295 |
| Equity capital to assets | 8.2522% | 5,988 |
| Core capital (leverage) ratio | 8.4570% | 5,676 |
| Tier 1 risk-based capital ratio | 13.2822% | 4,731 |
| Total risk-based capital ratio | 13.9005% | 5,060 |
| Memoranda: | ||
| Average total assets | $428,502,670 | 1,564 |
| Average earning assets | $397,386,670 | 1,544 |
| Average equity | $34,932,000 | 1,999 |
| Average total loans | $328,375,000 | 1,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,799 |
| Cost of funding earning assets | 0.4406% | 3,530 |
| Net interest margin | 3.7789% | 2,558 |
| Noninterest income to average assets | 0.3052% | 4,912 |
| Noninterest expense to average assets | 2.6914% | 3,956 |
| Loan and lease loss provision to assets | 1.2030% | 93 |
| Net operating income to assets | 0.0346% | 6,156 |
| Return on assets (ROA) | 0.0643% | 6,124 |
| Pretax return on assets | -0.0331% | 6,237 |
| Return on Equity (ROE) | 0.7933% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.7933% | 5,274 |
| Net charge-offs to loans | 1.4704% | 218 |
| Credit loss provision to net charge-offs | 106.6164% | 1,576 |
| Earnings coverage of net charge-offs (x) | 0.9958% | 3,214 |
| Efficiency ratio | 70.5474% | 3,739 |
| Assets per employee ($millions) | 5.4997% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 6,509 |
| Loan loss allowance to noncurrent loans | 183.9367% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,603 |
| Noncurrent loans to loans | 0.2684% | 5,300 |
| Net loans and leases to total assets | 76.3870% | 955 |
| Net loans and leases to deposits | 108.0589% | 190 |
| Net loans and leases to core deposits | 119.7179% | 331 |
| Total domestic deposits to total assets | 70.6901% | 6,415 |
| Equity capital to assets | 8.0932% | 5,983 |
| Core capital (leverage) ratio | 8.4783% | 5,673 |
| Tier 1 risk-based capital ratio | 12.9795% | 5,016 |
| Total risk-based capital ratio | 13.5689% | 5,358 |
| Memoranda: | ||
| Average total assets | $423,279,500 | 1,581 |
| Average earning assets | $393,133,500 | 1,571 |
| Average equity | $34,286,500 | 2,018 |
| Average total loans | $324,809,500 | 1,340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 3,701 |
| Cost of funding earning assets | 0.5659% | 2,968 |
| Net interest margin | 3.5429% | 3,718 |
| Noninterest income to average assets | 0.8776% | 1,762 |
| Noninterest expense to average assets | 2.9970% | 3,065 |
| Loan and lease loss provision to assets | 0.1166% | 2,864 |
| Net operating income to assets | 0.7125% | 3,739 |
| Return on assets (ROA) | 0.7138% | 3,816 |
| Pretax return on assets | 1.0369% | 3,205 |
| Return on Equity (ROE) | 7.8639% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.8639% | 1,103 |
| Net charge-offs to loans | 0.2617% | 2,396 |
| Credit loss provision to net charge-offs | 60.6944% | 3,540 |
| Earnings coverage of net charge-offs (x) | 5.9944% | 3,158 |
| Efficiency ratio | 72.2408% | 3,432 |
| Assets per employee ($millions) | 6.0519% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4830% | 6,587 |
| Loan loss allowance to noncurrent loans | 62.2285% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 4,453 |
| Noncurrent loans to loans | 0.7761% | 4,028 |
| Net loans and leases to total assets | 76.3355% | 1,028 |
| Net loans and leases to deposits | 106.5270% | 243 |
| Net loans and leases to core deposits | 117.9052% | 374 |
| Total domestic deposits to total assets | 71.6584% | 6,447 |
| Equity capital to assets | 8.1074% | 5,929 |
| Core capital (leverage) ratio | 8.8031% | 5,271 |
| Tier 1 risk-based capital ratio | 13.1580% | 4,880 |
| Total risk-based capital ratio | 13.7275% | 5,256 |
| Memoranda: | ||
| Average total assets | $374,775,600 | 1,749 |
| Average earning assets | $346,013,000 | 1,729 |
| Average equity | $34,016,000 | 2,026 |
| Average total loans | $275,083,800 | 1,533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,587 |
| Cost of funding earning assets | 0.6088% | 2,741 |
| Net interest margin | 3.5350% | 3,734 |
| Noninterest income to average assets | 0.4135% | 4,421 |
| Noninterest expense to average assets | 2.8869% | 3,353 |
| Loan and lease loss provision to assets | 0.1824% | 1,995 |
| Net operating income to assets | 0.4635% | 4,957 |
| Return on assets (ROA) | 0.4655% | 5,096 |
| Pretax return on assets | 0.6046% | 4,994 |
| Return on Equity (ROE) | 4.9759% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.9759% | 3,105 |
| Net charge-offs to loans | -0.1612% | 6,609 |
| Credit loss provision to net charge-offs | -156.1129% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6334% | 2,321 |
| Assets per employee ($millions) | 5.6394% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,021 |
| Loan loss allowance to noncurrent loans | 102.3589% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 4,426 |
| Noncurrent loans to loans | 0.8934% | 4,036 |
| Net loans and leases to total assets | 74.7932% | 1,158 |
| Net loans and leases to deposits | 99.2859% | 499 |
| Net loans and leases to core deposits | 109.4756% | 595 |
| Total domestic deposits to total assets | 75.3312% | 6,244 |
| Equity capital to assets | 8.6631% | 5,552 |
| Core capital (leverage) ratio | 9.3127% | 4,675 |
| Tier 1 risk-based capital ratio | 13.5609% | 4,720 |
| Total risk-based capital ratio | 14.6063% | 4,800 |
| Memoranda: | ||
| Average total assets | $364,073,500 | 1,800 |
| Average earning assets | $335,534,000 | 1,783 |
| Average equity | $34,056,250 | 2,034 |
| Average total loans | $263,776,750 | 1,583 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 3,333 |
| Cost of funding earning assets | 0.6629% | 2,380 |
| Net interest margin | 3.5458% | 3,583 |
| Noninterest income to average assets | 0.3876% | 4,615 |
| Noninterest expense to average assets | 2.9368% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5284% | 4,671 |
| Return on assets (ROA) | 0.5313% | 4,824 |
| Pretax return on assets | 0.7215% | 4,612 |
| Return on Equity (ROE) | 5.5338% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.5338% | 2,719 |
| Net charge-offs to loans | -0.2719% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3642% | 2,106 |
| Assets per employee ($millions) | 4.4195% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 6,296 |
| Loan loss allowance to noncurrent loans | 76.5202% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 4,236 |
| Noncurrent loans to loans | 1.0866% | 3,758 |
| Net loans and leases to total assets | 72.5325% | 1,476 |
| Net loans and leases to deposits | 91.2973% | 1,025 |
| Net loans and leases to core deposits | 100.9561% | 1,011 |
| Total domestic deposits to total assets | 79.4465% | 5,727 |
| Equity capital to assets | 9.2820% | 4,882 |
| Core capital (leverage) ratio | 9.5498% | 4,161 |
| Tier 1 risk-based capital ratio | 14.4916% | 4,101 |
| Total risk-based capital ratio | 15.4139% | 4,274 |
| Memoranda: | ||
| Average total assets | $357,606,000 | 1,825 |
| Average earning assets | $329,458,330 | 1,814 |
| Average equity | $34,334,670 | 2,026 |
| Average total loans | $255,215,330 | 1,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,873 |
| Cost of funding earning assets | 0.6674% | 2,506 |
| Net interest margin | 3.6379% | 3,117 |
| Noninterest income to average assets | 0.3570% | 4,811 |
| Noninterest expense to average assets | 3.0362% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5047% | 4,632 |
| Return on assets (ROA) | 0.5047% | 4,779 |
| Pretax return on assets | 0.6760% | 4,673 |
| Return on Equity (ROE) | 5.1708% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.1708% | 3,129 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7908% | 2,071 |
| Assets per employee ($millions) | 4.8267% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 6,569 |
| Loan loss allowance to noncurrent loans | 137.3874% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 5,471 |
| Noncurrent loans to loans | 0.5219% | 5,132 |
| Net loans and leases to total assets | 70.9481% | 1,526 |
| Net loans and leases to deposits | 90.4102% | 931 |
| Net loans and leases to core deposits | 100.1933% | 938 |
| Total domestic deposits to total assets | 78.4735% | 6,053 |
| Equity capital to assets | 9.7571% | 4,486 |
| Core capital (leverage) ratio | 9.4408% | 4,180 |
| Tier 1 risk-based capital ratio | 14.3693% | 4,257 |
| Total risk-based capital ratio | 15.1501% | 4,535 |
| Memoranda: | ||
| Average total assets | $357,417,500 | 1,852 |
| Average earning assets | $329,639,000 | 1,837 |
| Average equity | $34,888,000 | 2,022 |
| Average total loans | $251,907,500 | 1,654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 3,450 |
| Cost of funding earning assets | 0.8402% | 2,360 |
| Net interest margin | 3.6481% | 3,887 |
| Noninterest income to average assets | 0.7214% | 2,618 |
| Noninterest expense to average assets | 3.0780% | 2,992 |
| Loan and lease loss provision to assets | 0.1640% | 3,561 |
| Net operating income to assets | 0.5797% | 4,339 |
| Return on assets (ROA) | 0.8533% | 3,274 |
| Pretax return on assets | 1.2321% | 2,668 |
| Return on Equity (ROE) | 8.7559% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.7559% | 894 |
| Net charge-offs to loans | 0.0417% | 5,336 |
| Credit loss provision to net charge-offs | 635.9551% | 382 |
| Earnings coverage of net charge-offs (x) | 38.7528% | 824 |
| Efficiency ratio | 75.4851% | 2,834 |
| Assets per employee ($millions) | 4.7061% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 6,589 |
| Loan loss allowance to noncurrent loans | 387.7119% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 6,242 |
| Noncurrent loans to loans | 0.1899% | 5,994 |
| Net loans and leases to total assets | 68.9891% | 2,037 |
| Net loans and leases to deposits | 87.4906% | 1,330 |
| Net loans and leases to core deposits | 96.2528% | 1,283 |
| Total domestic deposits to total assets | 78.8532% | 5,918 |
| Equity capital to assets | 9.7651% | 4,506 |
| Core capital (leverage) ratio | 9.3836% | 4,279 |
| Tier 1 risk-based capital ratio | 14.2289% | 4,216 |
| Total risk-based capital ratio | 15.0126% | 4,509 |
| Memoranda: | ||
| Average total assets | $345,033,600 | 1,876 |
| Average earning assets | $317,424,600 | 1,866 |
| Average equity | $33,623,200 | 2,054 |
| Average total loans | $213,603,200 | 1,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 3,529 |
| Cost of funding earning assets | 0.8539% | 2,509 |
| Net interest margin | 3.6736% | 3,907 |
| Noninterest income to average assets | 0.6373% | 3,064 |
| Noninterest expense to average assets | 2.9269% | 3,492 |
| Loan and lease loss provision to assets | 0.1150% | 4,127 |
| Net operating income to assets | 0.6639% | 4,073 |
| Return on assets (ROA) | 0.9145% | 3,139 |
| Pretax return on assets | 1.3427% | 2,439 |
| Return on Equity (ROE) | 9.3899% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.3899% | 1,096 |
| Net charge-offs to loans | 0.0521% | 4,927 |
| Credit loss provision to net charge-offs | 368.7500% | 732 |
| Earnings coverage of net charge-offs (x) | 34.9138% | 972 |
| Efficiency ratio | 72.8782% | 3,170 |
| Assets per employee ($millions) | 4.5609% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 6,741 |
| Loan loss allowance to noncurrent loans | 12,061.5385% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 6,304 |
| Noncurrent loans to loans | 0.0059% | 6,672 |
| Net loans and leases to total assets | 64.2802% | 2,981 |
| Net loans and leases to deposits | 80.7503% | 2,280 |
| Net loans and leases to core deposits | 89.2343% | 2,082 |
| Total domestic deposits to total assets | 79.6036% | 5,747 |
| Equity capital to assets | 10.2420% | 4,147 |
| Core capital (leverage) ratio | 9.5996% | 4,118 |
| Tier 1 risk-based capital ratio | 15.0729% | 3,798 |
| Total risk-based capital ratio | 15.7973% | 4,119 |
| Memoranda: | ||
| Average total assets | $341,876,750 | 1,909 |
| Average earning assets | $314,455,750 | 1,907 |
| Average equity | $33,297,500 | 2,089 |
| Average total loans | $204,859,750 | 1,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 3,689 |
| Cost of funding earning assets | 0.8888% | 2,494 |
| Net interest margin | 3.6310% | 4,136 |
| Noninterest income to average assets | 0.6980% | 2,683 |
| Noninterest expense to average assets | 2.9174% | 3,555 |
| Loan and lease loss provision to assets | 0.1141% | 4,105 |
| Net operating income to assets | 0.6826% | 3,968 |
| Return on assets (ROA) | 1.0403% | 2,524 |
| Pretax return on assets | 1.5342% | 1,766 |
| Return on Equity (ROE) | 10.8685% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.8685% | 767 |
| Net charge-offs to loans | 0.0532% | 4,663 |
| Credit loss provision to net charge-offs | 367.9245% | 805 |
| Earnings coverage of net charge-offs (x) | 36.1887% | 950 |
| Efficiency ratio | 72.2190% | 3,390 |
| Assets per employee ($millions) | 4.4229% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7222% | 6,800 |
| Loan loss allowance to noncurrent loans | 251.2605% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 5,941 |
| Noncurrent loans to loans | 0.2874% | 5,994 |
| Net loans and leases to total assets | 59.5676% | 3,904 |
| Net loans and leases to deposits | 74.6883% | 3,174 |
| Net loans and leases to core deposits | 82.2802% | 2,927 |
| Total domestic deposits to total assets | 79.7549% | 5,804 |
| Equity capital to assets | 9.8011% | 4,623 |
| Core capital (leverage) ratio | 9.5629% | 4,056 |
| Tier 1 risk-based capital ratio | 15.3608% | 3,535 |
| Total risk-based capital ratio | 16.0771% | 3,837 |
| Memoranda: | ||
| Average total assets | $341,812,000 | 1,909 |
| Average earning assets | $314,570,330 | 1,898 |
| Average equity | $32,718,330 | 2,104 |
| Average total loans | $199,329,000 | 2,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 3,629 |
| Cost of funding earning assets | 0.9703% | 2,155 |
| Net interest margin | 3.6029% | 4,260 |
| Noninterest income to average assets | 0.6748% | 2,782 |
| Noninterest expense to average assets | 2.8393% | 3,866 |
| Loan and lease loss provision to assets | 0.0353% | 4,938 |
| Net operating income to assets | 0.7482% | 3,633 |
| Return on assets (ROA) | 1.0405% | 2,513 |
| Pretax return on assets | 1.5543% | 1,727 |
| Return on Equity (ROE) | 11.0035% | 2,015 |
| Retained earnings to average equity (ytd only) | 11.0035% | 1,022 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1131% | 3,603 |
| Assets per employee ($millions) | 4.8292% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 6,887 |
| Loan loss allowance to noncurrent loans | 213.4259% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 5,953 |
| Noncurrent loans to loans | 0.3233% | 6,029 |
| Net loans and leases to total assets | 59.7402% | 3,727 |
| Net loans and leases to deposits | 75.6682% | 2,851 |
| Net loans and leases to core deposits | 83.4325% | 2,618 |
| Total domestic deposits to total assets | 78.9501% | 6,087 |
| Equity capital to assets | 9.6895% | 4,537 |
| Core capital (leverage) ratio | 9.1817% | 4,548 |
| Tier 1 risk-based capital ratio | 16.0898% | 3,129 |
| Total risk-based capital ratio | 16.8028% | 3,389 |
| Memoranda: | ||
| Average total assets | $340,226,500 | 1,927 |
| Average earning assets | $313,300,500 | 1,909 |
| Average equity | $32,171,500 | 2,139 |
| Average total loans | $195,497,000 | 2,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 3,159 |
| Cost of funding earning assets | 1.0656% | 2,913 |
| Net interest margin | 3.8739% | 3,452 |
| Noninterest income to average assets | 0.4188% | 4,462 |
| Noninterest expense to average assets | 2.8825% | 4,032 |
| Loan and lease loss provision to assets | 0.3307% | 3,041 |
| Net operating income to assets | 0.5576% | 4,196 |
| Return on assets (ROA) | 0.7255% | 3,535 |
| Pretax return on assets | 1.0061% | 3,223 |
| Return on Equity (ROE) | 8.2031% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.2031% | 1,017 |
| Net charge-offs to loans | 0.5046% | 2,976 |
| Credit loss provision to net charge-offs | 107.9256% | 3,130 |
| Earnings coverage of net charge-offs (x) | 3.6018% | 3,457 |
| Efficiency ratio | 72.3150% | 3,514 |
| Assets per employee ($millions) | 5.6006% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 6,892 |
| Loan loss allowance to noncurrent loans | 208.7963% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 5,899 |
| Noncurrent loans to loans | 0.3401% | 6,049 |
| Net loans and leases to total assets | 54.4856% | 4,953 |
| Net loans and leases to deposits | 68.1698% | 4,416 |
| Net loans and leases to core deposits | 80.4395% | 3,399 |
| Total domestic deposits to total assets | 79.9263% | 5,761 |
| Equity capital to assets | 9.2318% | 5,240 |
| Core capital (leverage) ratio | 8.9024% | 4,934 |
| Tier 1 risk-based capital ratio | 16.2375% | 2,934 |
| Total risk-based capital ratio | 16.9620% | 3,172 |
| Memoranda: | ||
| Average total assets | $333,560,400 | 1,940 |
| Average earning assets | $307,156,000 | 1,912 |
| Average equity | $29,501,200 | 2,228 |
| Average total loans | $202,553,200 | 2,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 3,078 |
| Cost of funding earning assets | 1.0986% | 2,986 |
| Net interest margin | 3.9032% | 3,372 |
| Noninterest income to average assets | 0.3388% | 5,145 |
| Noninterest expense to average assets | 2.9655% | 3,686 |
| Loan and lease loss provision to assets | 0.4333% | 2,311 |
| Net operating income to assets | 0.4178% | 4,918 |
| Return on assets (ROA) | 0.5000% | 4,736 |
| Pretax return on assets | 0.6397% | 4,686 |
| Return on Equity (ROE) | 5.7189% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.7189% | 2,733 |
| Net charge-offs to loans | 0.6616% | 2,263 |
| Credit loss provision to net charge-offs | 105.1961% | 3,163 |
| Earnings coverage of net charge-offs (x) | 2.3490% | 3,952 |
| Efficiency ratio | 75.3979% | 2,943 |
| Assets per employee ($millions) | 5.6362% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 7,011 |
| Loan loss allowance to noncurrent loans | 920.1389% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,347 |
| Noncurrent loans to loans | 0.0722% | 6,749 |
| Net loans and leases to total assets | 57.6361% | 4,560 |
| Net loans and leases to deposits | 72.0445% | 3,984 |
| Net loans and leases to core deposits | 86.0830% | 2,760 |
| Total domestic deposits to total assets | 80.0007% | 5,734 |
| Equity capital to assets | 9.0798% | 5,659 |
| Core capital (leverage) ratio | 8.7350% | 5,358 |
| Tier 1 risk-based capital ratio | 15.6795% | 3,290 |
| Total risk-based capital ratio | 16.3924% | 3,551 |
| Memoranda: | ||
| Average total assets | $330,141,750 | 1,966 |
| Average earning assets | $304,015,500 | 1,943 |
| Average equity | $28,862,500 | 2,277 |
| Average total loans | $205,555,000 | 2,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 2,661 |
| Cost of funding earning assets | 1.1340% | 3,015 |
| Net interest margin | 3.9701% | 2,992 |
| Noninterest income to average assets | 0.2887% | 5,569 |
| Noninterest expense to average assets | 3.2452% | 2,743 |
| Loan and lease loss provision to assets | 0.6407% | 1,497 |
| Net operating income to assets | 0.1278% | 5,941 |
| Return on assets (ROA) | 0.1751% | 5,913 |
| Pretax return on assets | 0.1081% | 6,094 |
| Return on Equity (ROE) | 2.0301% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.0301% | 4,963 |
| Net charge-offs to loans | 0.9866% | 1,592 |
| Credit loss provision to net charge-offs | 101.8555% | 3,039 |
| Earnings coverage of net charge-offs (x) | 1.1152% | 4,442 |
| Efficiency ratio | 82.2257% | 2,069 |
| Assets per employee ($millions) | 5.5720% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6393% | 7,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 5,787 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.0331% | 4,082 |
| Net loans and leases to deposits | 75.9653% | 3,484 |
| Net loans and leases to core deposits | 85.9506% | 2,913 |
| Total domestic deposits to total assets | 80.3435% | 5,730 |
| Equity capital to assets | 8.7064% | 5,937 |
| Core capital (leverage) ratio | 8.7462% | 5,147 |
| Tier 1 risk-based capital ratio | 14.8952% | 3,555 |
| Total risk-based capital ratio | 15.5774% | 3,894 |
| Memoranda: | ||
| Average total assets | $325,586,670 | 1,995 |
| Average earning assets | $299,990,670 | 1,974 |
| Average equity | $28,077,670 | 2,307 |
| Average total loans | $207,579,330 | 2,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 3,200 |
| Cost of funding earning assets | 1.1848% | 2,916 |
| Net interest margin | 3.7938% | 3,647 |
| Noninterest income to average assets | 0.3160% | 5,397 |
| Noninterest expense to average assets | 3.8814% | 1,201 |
| Loan and lease loss provision to assets | 0.0370% | 5,525 |
| Net operating income to assets | -0.0053% | 6,358 |
| Return on assets (ROA) | 0.0556% | 6,261 |
| Pretax return on assets | -0.0049% | 6,361 |
| Return on Equity (ROE) | 0.6474% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.6474% | 5,568 |
| Net charge-offs to loans | -0.0076% | 6,300 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6489% | 688 |
| Assets per employee ($millions) | 5.4682% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 7,174 |
| Loan loss allowance to noncurrent loans | 51.9284% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 5,006 |
| Noncurrent loans to loans | 1.2053% | 4,671 |
| Net loans and leases to total assets | 65.3775% | 3,158 |
| Net loans and leases to deposits | 81.6194% | 2,425 |
| Net loans and leases to core deposits | 91.0572% | 2,236 |
| Total domestic deposits to total assets | 80.1005% | 5,921 |
| Equity capital to assets | 8.7278% | 5,610 |
| Core capital (leverage) ratio | 8.6441% | 5,185 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,538 |
| Total risk-based capital ratio | 15.5003% | 3,872 |
| Memoranda: | ||
| Average total assets | $324,007,000 | 2,014 |
| Average earning assets | $299,120,000 | 1,995 |
| Average equity | $27,805,500 | 2,314 |
| Average total loans | $210,401,500 | 2,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 4,524 |
| Cost of funding earning assets | 1.4475% | 2,974 |
| Net interest margin | 3.5600% | 4,996 |
| Noninterest income to average assets | 0.3210% | 5,487 |
| Noninterest expense to average assets | 2.4410% | 5,973 |
| Loan and lease loss provision to assets | 0.1053% | 6,091 |
| Net operating income to assets | 0.7591% | 2,958 |
| Return on assets (ROA) | 0.7615% | 3,075 |
| Pretax return on assets | 1.0614% | 2,728 |
| Return on Equity (ROE) | 9.0367% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.0367% | 691 |
| Net charge-offs to loans | 0.1706% | 5,305 |
| Credit loss provision to net charge-offs | 93.9227% | 4,948 |
| Earnings coverage of net charge-offs (x) | 10.3729% | 1,716 |
| Efficiency ratio | 67.7239% | 4,619 |
| Assets per employee ($millions) | 5.6077% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5996% | 7,264 |
| Loan loss allowance to noncurrent loans | 50.5967% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 5,181 |
| Noncurrent loans to loans | 1.1850% | 4,738 |
| Net loans and leases to total assets | 63.7362% | 3,931 |
| Net loans and leases to deposits | 82.1046% | 2,782 |
| Net loans and leases to core deposits | 91.6469% | 2,539 |
| Total domestic deposits to total assets | 77.6280% | 6,377 |
| Equity capital to assets | 8.4417% | 5,935 |
| Core capital (leverage) ratio | 8.4848% | 5,393 |
| Tier 1 risk-based capital ratio | 14.5397% | 3,516 |
| Total risk-based capital ratio | 15.2025% | 3,867 |
| Memoranda: | ||
| Average total assets | $322,781,800 | 2,012 |
| Average earning assets | $297,695,000 | 1,997 |
| Average equity | $27,200,200 | 2,360 |
| Average total loans | $212,163,400 | 2,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 4,509 |
| Cost of funding earning assets | 1.4876% | 3,053 |
| Net interest margin | 3.5774% | 4,981 |
| Noninterest income to average assets | 0.3063% | 5,705 |
| Noninterest expense to average assets | 2.3331% | 6,223 |
| Loan and lease loss provision to assets | 0.1413% | 5,618 |
| Net operating income to assets | 0.8085% | 2,962 |
| Return on assets (ROA) | 0.8118% | 3,097 |
| Pretax return on assets | 1.1331% | 2,723 |
| Return on Equity (ROE) | 9.6378% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.6378% | 884 |
| Net charge-offs to loans | 0.1961% | 4,768 |
| Credit loss provision to net charge-offs | 108.9744% | 3,905 |
| Earnings coverage of net charge-offs (x) | 9.7917% | 1,962 |
| Efficiency ratio | 64.7554% | 5,096 |
| Assets per employee ($millions) | 5.6515% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 7,354 |
| Loan loss allowance to noncurrent loans | 50.8071% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,306 |
| Noncurrent loans to loans | 1.1794% | 4,889 |
| Net loans and leases to total assets | 66.9007% | 3,485 |
| Net loans and leases to deposits | 87.5152% | 2,076 |
| Net loans and leases to core deposits | 100.8596% | 1,761 |
| Total domestic deposits to total assets | 76.4446% | 6,580 |
| Equity capital to assets | 8.7550% | 5,927 |
| Core capital (leverage) ratio | 8.3531% | 5,781 |
| Tier 1 risk-based capital ratio | 14.0871% | 3,771 |
| Total risk-based capital ratio | 14.7671% | 4,145 |
| Memoranda: | ||
| Average total assets | $320,763,250 | 2,059 |
| Average earning assets | $295,591,500 | 2,034 |
| Average equity | $27,017,750 | 2,410 |
| Average total loans | $212,167,500 | 2,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 4,879 |
| Cost of funding earning assets | 1.5244% | 3,104 |
| Net interest margin | 3.4901% | 5,287 |
| Noninterest income to average assets | 0.3065% | 5,711 |
| Noninterest expense to average assets | 2.3001% | 6,354 |
| Loan and lease loss provision to assets | 0.1664% | 5,218 |
| Net operating income to assets | 0.7713% | 3,104 |
| Return on assets (ROA) | 0.7763% | 3,230 |
| Pretax return on assets | 1.0609% | 2,898 |
| Return on Equity (ROE) | 9.3432% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.3432% | 997 |
| Net charge-offs to loans | 0.2981% | 3,831 |
| Credit loss provision to net charge-offs | 84.9359% | 4,567 |
| Earnings coverage of net charge-offs (x) | 6.2276% | 2,504 |
| Efficiency ratio | 65.3345% | 5,096 |
| Assets per employee ($millions) | 5.7633% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 7,421 |
| Loan loss allowance to noncurrent loans | 59.7508% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 5,642 |
| Noncurrent loans to loans | 0.9943% | 5,316 |
| Net loans and leases to total assets | 63.5133% | 4,346 |
| Net loans and leases to deposits | 82.6553% | 3,145 |
| Net loans and leases to core deposits | 95.5111% | 2,507 |
| Total domestic deposits to total assets | 76.8412% | 6,541 |
| Equity capital to assets | 8.4236% | 6,262 |
| Core capital (leverage) ratio | 8.1870% | 5,960 |
| Tier 1 risk-based capital ratio | 14.8168% | 3,257 |
| Total risk-based capital ratio | 15.5128% | 3,537 |
| Memoranda: | ||
| Average total assets | $318,421,330 | 2,084 |
| Average earning assets | $293,231,000 | 2,071 |
| Average equity | $26,457,670 | 2,457 |
| Average total loans | $209,351,670 | 2,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 4,912 |
| Cost of funding earning assets | 1.5580% | 3,215 |
| Net interest margin | 3.4650% | 5,309 |
| Noninterest income to average assets | 0.3140% | 5,639 |
| Noninterest expense to average assets | 2.4035% | 6,069 |
| Loan and lease loss provision to assets | 0.0830% | 5,810 |
| Net operating income to assets | 0.7278% | 3,322 |
| Return on assets (ROA) | 0.7378% | 3,374 |
| Pretax return on assets | 1.0352% | 2,956 |
| Return on Equity (ROE) | 8.9437% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.9437% | 1,414 |
| Net charge-offs to loans | 0.0038% | 5,569 |
| Credit loss provision to net charge-offs | 3,250.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 432.5000% | 66 |
| Efficiency ratio | 68.5226% | 4,623 |
| Assets per employee ($millions) | 5.6023% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 7,445 |
| Loan loss allowance to noncurrent loans | 55.2975% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 5,379 |
| Noncurrent loans to loans | 1.1563% | 5,053 |
| Net loans and leases to total assets | 66.0374% | 3,839 |
| Net loans and leases to deposits | 86.8125% | 2,448 |
| Net loans and leases to core deposits | 101.1143% | 2,017 |
| Total domestic deposits to total assets | 76.0690% | 6,747 |
| Equity capital to assets | 8.2425% | 6,378 |
| Core capital (leverage) ratio | 8.3633% | 5,621 |
| Tier 1 risk-based capital ratio | 14.6036% | 3,314 |
| Total risk-based capital ratio | 15.3661% | 3,550 |
| Memoranda: | ||
| Average total assets | $313,379,000 | 2,172 |
| Average earning assets | $288,832,500 | 2,154 |
| Average equity | $25,850,500 | 2,523 |
| Average total loans | $209,081,500 | 2,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 4,891 |
| Cost of funding earning assets | 1.8665% | 3,638 |
| Net interest margin | 3.4932% | 4,986 |
| Noninterest income to average assets | 0.3544% | 5,570 |
| Noninterest expense to average assets | 2.7044% | 5,370 |
| Loan and lease loss provision to assets | 0.1314% | 6,322 |
| Net operating income to assets | 0.5189% | 3,656 |
| Return on assets (ROA) | 0.6904% | 3,040 |
| Pretax return on assets | 0.9626% | 2,720 |
| Return on Equity (ROE) | 8.0214% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.0214% | 694 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9618% | 3,538 |
| Assets per employee ($millions) | 5.3935% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6284% | 7,519 |
| Loan loss allowance to noncurrent loans | 55.6559% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 5,334 |
| Noncurrent loans to loans | 1.1290% | 5,076 |
| Net loans and leases to total assets | 66.5634% | 4,022 |
| Net loans and leases to deposits | 88.3037% | 2,511 |
| Net loans and leases to core deposits | 115.7380% | 2,349 |
| Total domestic deposits to total assets | 75.3802% | 6,793 |
| Equity capital to assets | 8.2556% | 6,267 |
| Core capital (leverage) ratio | 8.3877% | 5,460 |
| Tier 1 risk-based capital ratio | 14.5358% | 3,184 |
| Total risk-based capital ratio | 15.2794% | 3,433 |
| Memoranda: | ||
| Average total assets | $288,387,000 | 2,287 |
| Average earning assets | $264,660,000 | 2,288 |
| Average equity | $24,821,000 | 2,625 |
| Average total loans | $197,731,800 | 2,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 4,915 |
| Cost of funding earning assets | 1.9220% | 3,766 |
| Net interest margin | 3.4847% | 4,926 |
| Noninterest income to average assets | 0.3610% | 5,611 |
| Noninterest expense to average assets | 2.7547% | 5,085 |
| Loan and lease loss provision to assets | 0.0559% | 6,809 |
| Net operating income to assets | 0.5299% | 3,860 |
| Return on assets (ROA) | 0.7456% | 3,097 |
| Pretax return on assets | 1.0502% | 2,737 |
| Return on Equity (ROE) | 8.5677% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.5677% | 954 |
| Net charge-offs to loans | 0.0020% | 6,966 |
| Credit loss provision to net charge-offs | 3,966.6667% | 106 |
| Earnings coverage of net charge-offs (x) | 568.9850% | 56 |
| Efficiency ratio | 77.4415% | 3,249 |
| Assets per employee ($millions) | 5.2654% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 7,705 |
| Loan loss allowance to noncurrent loans | 33.1618% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 4,748 |
| Noncurrent loans to loans | 1.5286% | 4,358 |
| Net loans and leases to total assets | 67.4228% | 4,086 |
| Net loans and leases to deposits | 92.0846% | 2,215 |
| Net loans and leases to core deposits | 120.2160% | 2,221 |
| Total domestic deposits to total assets | 73.2183% | 7,061 |
| Equity capital to assets | 8.5223% | 6,227 |
| Core capital (leverage) ratio | 8.4648% | 5,554 |
| Tier 1 risk-based capital ratio | 15.1469% | 2,980 |
| Total risk-based capital ratio | 15.7752% | 3,213 |
| Memoranda: | ||
| Average total assets | $283,627,000 | 2,334 |
| Average earning assets | $260,141,750 | 2,337 |
| Average equity | $24,681,250 | 2,659 |
| Average total loans | $195,682,750 | 2,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 4,691 |
| Cost of funding earning assets | 1.9579% | 3,965 |
| Net interest margin | 3.5320% | 4,649 |
| Noninterest income to average assets | 0.3703% | 5,549 |
| Noninterest expense to average assets | 2.8620% | 4,677 |
| Loan and lease loss provision to assets | 0.0496% | 6,735 |
| Net operating income to assets | 0.5051% | 4,073 |
| Return on assets (ROA) | 0.4746% | 4,308 |
| Pretax return on assets | 0.6472% | 4,171 |
| Return on Equity (ROE) | 5.4138% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.4138% | 2,288 |
| Net charge-offs to loans | 0.0041% | 6,554 |
| Credit loss provision to net charge-offs | 1,725.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 256.7500% | 159 |
| Efficiency ratio | 79.4887% | 3,129 |
| Assets per employee ($millions) | 5.0518% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4906% | 7,803 |
| Loan loss allowance to noncurrent loans | 30.0245% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 4,319 |
| Noncurrent loans to loans | 1.6340% | 4,045 |
| Net loans and leases to total assets | 69.0292% | 3,940 |
| Net loans and leases to deposits | 95.2900% | 1,904 |
| Net loans and leases to core deposits | 121.3718% | 2,251 |
| Total domestic deposits to total assets | 72.4412% | 7,197 |
| Equity capital to assets | 8.5003% | 6,048 |
| Core capital (leverage) ratio | 8.4273% | 5,570 |
| Tier 1 risk-based capital ratio | 14.5032% | 3,241 |
| Total risk-based capital ratio | 15.1002% | 3,542 |
| Memoranda: | ||
| Average total assets | $278,126,000 | 2,393 |
| Average earning assets | $254,357,670 | 2,403 |
| Average equity | $24,382,330 | 2,712 |
| Average total loans | $193,114,670 | 2,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5345% | 4,729 |
| Cost of funding earning assets | 1.9920% | 4,173 |
| Net interest margin | 3.5424% | 4,557 |
| Noninterest income to average assets | 0.3514% | 5,634 |
| Noninterest expense to average assets | 2.5914% | 5,492 |
| Loan and lease loss provision to assets | 0.1464% | 5,066 |
| Net operating income to assets | 0.6076% | 3,985 |
| Return on assets (ROA) | 0.6076% | 4,176 |
| Pretax return on assets | 0.8550% | 3,871 |
| Return on Equity (ROE) | 6.8215% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.8215% | 2,280 |
| Net charge-offs to loans | 0.0084% | 5,542 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 249 |
| Efficiency ratio | 72.1271% | 4,171 |
| Assets per employee ($millions) | 5.1370% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 7,793 |
| Loan loss allowance to noncurrent loans | 40.8981% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 4,402 |
| Noncurrent loans to loans | 1.2720% | 4,439 |
| Net loans and leases to total assets | 69.6954% | 3,747 |
| Net loans and leases to deposits | 98.3998% | 1,609 |
| Net loans and leases to core deposits | 125.9072% | 1,919 |
| Total domestic deposits to total assets | 70.8288% | 7,346 |
| Equity capital to assets | 8.8725% | 5,519 |
| Core capital (leverage) ratio | 8.5099% | 5,515 |
| Tier 1 risk-based capital ratio | 14.5854% | 3,264 |
| Total risk-based capital ratio | 15.2219% | 3,526 |
| Memoranda: | ||
| Average total assets | $273,211,500 | 2,435 |
| Average earning assets | $249,996,500 | 2,446 |
| Average equity | $24,335,000 | 2,728 |
| Average total loans | $189,795,500 | 2,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 6,771 |
| Cost of funding earning assets | 2.3680% | 4,861 |
| Net interest margin | 3.3345% | 5,918 |
| Noninterest income to average assets | 0.3790% | 5,653 |
| Noninterest expense to average assets | 2.5597% | 5,792 |
| Loan and lease loss provision to assets | 0.0784% | 6,416 |
| Net operating income to assets | 0.5675% | 4,448 |
| Return on assets (ROA) | 0.5475% | 4,391 |
| Pretax return on assets | 0.7415% | 4,276 |
| Return on Equity (ROE) | 6.0921% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.0921% | 1,487 |
| Net charge-offs to loans | 0.0135% | 6,712 |
| Credit loss provision to net charge-offs | 869.5652% | 507 |
| Earnings coverage of net charge-offs (x) | 93.9565% | 452 |
| Efficiency ratio | 75.1381% | 3,382 |
| Assets per employee ($millions) | 4.6384% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 7,860 |
| Loan loss allowance to noncurrent loans | 34.7512% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 3,757 |
| Noncurrent loans to loans | 1.4213% | 3,674 |
| Net loans and leases to total assets | 68.5183% | 4,359 |
| Net loans and leases to deposits | 100.9132% | 1,724 |
| Net loans and leases to core deposits | 124.5882% | 2,282 |
| Total domestic deposits to total assets | 67.8983% | 7,483 |
| Equity capital to assets | 8.9426% | 5,441 |
| Core capital (leverage) ratio | 9.0307% | 4,697 |
| Tier 1 risk-based capital ratio | 14.7046% | 3,203 |
| Total risk-based capital ratio | 15.2907% | 3,448 |
| Memoranda: | ||
| Average total assets | $255,149,400 | 2,508 |
| Average earning assets | $231,670,000 | 2,537 |
| Average equity | $22,931,200 | 2,858 |
| Average total loans | $170,219,400 | 2,613 |