Home > Rondout Savings Bank > Performance and Condition Ratios
Rondout Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,537 |
| Cost of funding earning assets | 1.7974% | 1,253 |
| Net interest margin | 2.4476% | 4,146 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.5261% | 2,231 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.0910% | 4,261 |
| Return on assets (ROA) | 0.0910% | 4,286 |
| Pretax return on assets | 0.0899% | 4,282 |
| Return on Equity (ROE) | 1.3100% | 4,230 |
| Retained earnings to average equity (ytd only) | 1.3073% | 3,756 |
| Net charge-offs to loans | 0.0053% | 2,518 |
| Credit loss provision to net charge-offs | 1,152.1739% | 366 |
| Earnings coverage of net charge-offs (x) | 32.1739% | 1,592 |
| Efficiency ratio | 94.9305% | 278 |
| Assets per employee ($millions) | 8.5474% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,348 |
| Loan loss allowance to noncurrent loans | 624.6132% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 2,701 |
| Noncurrent loans to loans | 0.1592% | 2,725 |
| Net loans and leases to total assets | 78.3900% | 825 |
| Net loans and leases to deposits | 94.6448% | 893 |
| Net loans and leases to core deposits | 123.1719% | 543 |
| Total domestic deposits to total assets | 82.8300% | 2,934 |
| Equity capital to assets | 6.9807% | 3,945 |
| Core capital (leverage) ratio | 8.6289% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2197% | 1,792 |
| Memoranda: | ||
| Average total assets | $548,558,800 | 1,619 |
| Average earning assets | $519,653,200 | 1,579 |
| Average equity | $38,170,000 | 1,934 |
| Average total loans | $430,706,600 | 1,394 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,505 |
| Cost of funding earning assets | 1.6652% | 1,248 |
| Net interest margin | 2.5148% | 4,124 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5500% | 2,083 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.1109% | 4,310 |
| Return on assets (ROA) | 0.1109% | 4,329 |
| Pretax return on assets | 0.1410% | 4,314 |
| Return on Equity (ROE) | 1.5900% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.5950% | 3,819 |
| Net charge-offs to loans | 0.0069% | 2,185 |
| Credit loss provision to net charge-offs | 440.9091% | 692 |
| Earnings coverage of net charge-offs (x) | 30.4545% | 1,586 |
| Efficiency ratio | 93.9569% | 265 |
| Assets per employee ($millions) | 7.7659% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 3,500 |
| Loan loss allowance to noncurrent loans | 545.1531% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 2,631 |
| Noncurrent loans to loans | 0.1778% | 2,659 |
| Net loans and leases to total assets | 78.0700% | 874 |
| Net loans and leases to deposits | 91.6246% | 1,087 |
| Net loans and leases to core deposits | 121.1789% | 523 |
| Total domestic deposits to total assets | 85.2100% | 2,440 |
| Equity capital to assets | 6.6161% | 3,790 |
| Core capital (leverage) ratio | 8.7629% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1919% | 1,821 |
| Memoranda: | ||
| Average total assets | $544,666,000 | 1,631 |
| Average earning assets | $515,873,750 | 1,584 |
| Average equity | $37,867,500 | 1,937 |
| Average total loans | $426,713,000 | 1,396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,521 |
| Cost of funding earning assets | 1.5091% | 1,222 |
| Net interest margin | 2.5765% | 4,135 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.5882% | 1,956 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1397% | 4,336 |
| Return on assets (ROA) | 0.1397% | 4,368 |
| Pretax return on assets | 0.1775% | 4,345 |
| Return on Equity (ROE) | 1.9800% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.9760% | 3,731 |
| Net charge-offs to loans | 0.0095% | 1,850 |
| Credit loss provision to net charge-offs | 210.0000% | 1,031 |
| Earnings coverage of net charge-offs (x) | 25.5500% | 1,625 |
| Efficiency ratio | 93.1839% | 281 |
| Assets per employee ($millions) | 7.0664% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,517 |
| Loan loss allowance to noncurrent loans | 625.4464% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,689 |
| Noncurrent loans to loans | 0.1560% | 2,692 |
| Net loans and leases to total assets | 77.4100% | 898 |
| Net loans and leases to deposits | 89.4282% | 1,228 |
| Net loans and leases to core deposits | 118.8008% | 545 |
| Total domestic deposits to total assets | 86.5600% | 2,076 |
| Equity capital to assets | 6.9086% | 3,843 |
| Core capital (leverage) ratio | 8.9171% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5415% | 1,714 |
| Memoranda: | ||
| Average total assets | $539,839,000 | 1,635 |
| Average earning assets | $511,313,333 | 1,594 |
| Average equity | $38,158,667 | 1,935 |
| Average total loans | $422,008,667 | 1,401 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,539 |
| Cost of funding earning assets | 1.2866% | 1,260 |
| Net interest margin | 2.6704% | 4,112 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.6501% | 1,811 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.1827% | 4,371 |
| Return on assets (ROA) | 0.1827% | 4,340 |
| Pretax return on assets | 0.2321% | 4,309 |
| Return on Equity (ROE) | 2.5600% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.5551% | 3,591 |
| Net charge-offs to loans | 0.0105% | 1,543 |
| Credit loss provision to net charge-offs | 172.7273% | 889 |
| Earnings coverage of net charge-offs (x) | 29.9091% | 1,306 |
| Efficiency ratio | 91.4943% | 322 |
| Assets per employee ($millions) | 6.7936% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,514 |
| Loan loss allowance to noncurrent loans | 694.2244% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 2,741 |
| Noncurrent loans to loans | 0.1442% | 2,775 |
| Net loans and leases to total assets | 76.5700% | 920 |
| Net loans and leases to deposits | 90.2773% | 1,025 |
| Net loans and leases to core deposits | 115.6180% | 547 |
| Total domestic deposits to total assets | 84.8200% | 2,900 |
| Equity capital to assets | 7.1830% | 3,741 |
| Core capital (leverage) ratio | 9.2454% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3471% | 1,535 |
| Memoranda: | ||
| Average total assets | $534,168,500 | 1,669 |
| Average earning assets | $506,743,500 | 1,632 |
| Average equity | $38,198,500 | 1,956 |
| Average total loans | $417,569,000 | 1,423 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 2,695 |
| Cost of funding earning assets | 0.4405% | 1,783 |
| Net interest margin | 3.1948% | 2,877 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.7669% | 1,393 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.3885% | 4,253 |
| Return on assets (ROA) | 0.3885% | 4,218 |
| Pretax return on assets | 0.4927% | 4,180 |
| Return on Equity (ROE) | 4.8100% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.8121% | 3,136 |
| Net charge-offs to loans | 0.0005% | 2,585 |
| Credit loss provision to net charge-offs | 24,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,455.5000% | 120 |
| Efficiency ratio | 82.4257% | 572 |
| Assets per employee ($millions) | 6.3235% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,101 |
| Loan loss allowance to noncurrent loans | 751.3746% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,750 |
| Noncurrent loans to loans | 0.1403% | 2,809 |
| Net loans and leases to total assets | 78.2000% | 778 |
| Net loans and leases to deposits | 90.0171% | 1,053 |
| Net loans and leases to core deposits | 106.5599% | 729 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 7.1179% | 3,609 |
| Core capital (leverage) ratio | 9.6145% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3400% | 1,524 |
| Memoranda: | ||
| Average total assets | $493,435,800 | 1,737 |
| Average earning assets | $468,078,200 | 1,705 |
| Average equity | $39,837,400 | 1,920 |
| Average total loans | $372,275,000 | 1,485 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 2,527 |
| Cost of funding earning assets | 0.2964% | 2,210 |
| Net interest margin | 3.2292% | 2,534 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.8086% | 1,233 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.3959% | 4,248 |
| Return on assets (ROA) | 0.3959% | 4,195 |
| Pretax return on assets | 0.5019% | 4,146 |
| Return on Equity (ROE) | 4.7500% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.7522% | 3,175 |
| Net charge-offs to loans | 0.0007% | 2,307 |
| Credit loss provision to net charge-offs | 14,700.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,061.0000% | 142 |
| Efficiency ratio | 82.8192% | 616 |
| Assets per employee ($millions) | 5.9003% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,143 |
| Loan loss allowance to noncurrent loans | 646.1420% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,714 |
| Noncurrent loans to loans | 0.1656% | 2,768 |
| Net loans and leases to total assets | 76.2700% | 882 |
| Net loans and leases to deposits | 87.3373% | 1,079 |
| Net loans and leases to core deposits | 97.4212% | 927 |
| Total domestic deposits to total assets | 87.3300% | 2,656 |
| Equity capital to assets | 7.3604% | 3,294 |
| Core capital (leverage) ratio | 9.9930% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6603% | 1,514 |
| Memoranda: | ||
| Average total assets | $485,583,000 | 1,769 |
| Average earning assets | $460,579,250 | 1,738 |
| Average equity | $40,457,250 | 1,929 |
| Average total loans | $361,649,000 | 1,503 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 2,306 |
| Cost of funding earning assets | 0.2750% | 1,958 |
| Net interest margin | 3.1721% | 2,278 |
| Noninterest income to average assets | 0.3500% | 3,060 |
| Noninterest expense to average assets | 2.8355% | 1,105 |
| Loan and lease loss provision to assets | 0.0719% | 1,333 |
| Net operating income to assets | 0.3563% | 4,198 |
| Return on assets (ROA) | 0.3563% | 4,151 |
| Pretax return on assets | 0.4520% | 4,079 |
| Return on Equity (ROE) | 4.1067% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.1067% | 3,047 |
| Net charge-offs to loans | 0.0040% | 1,880 |
| Credit loss provision to net charge-offs | 2,457.1429% | 212 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 579 |
| Efficiency ratio | 84.4038% | 658 |
| Assets per employee ($millions) | 5.7457% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,122 |
| Loan loss allowance to noncurrent loans | 914.6396% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,076 |
| Noncurrent loans to loans | 0.1216% | 3,121 |
| Net loans and leases to total assets | 74.8394% | 831 |
| Net loans and leases to deposits | 83.8816% | 1,129 |
| Net loans and leases to core deposits | 88.4426% | 1,198 |
| Total domestic deposits to total assets | 89.2203% | 2,079 |
| Equity capital to assets | 8.0762% | 3,064 |
| Core capital (leverage) ratio | 9.9504% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2015% | 1,388 |
| Memoranda: | ||
| Average total assets | $478,301,000 | 1,795 |
| Average earning assets | $453,775,333 | 1,774 |
| Average equity | $41,493,333 | 1,940 |
| Average total loans | $351,793,000 | 1,527 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 2,246 |
| Cost of funding earning assets | 0.2715% | 1,915 |
| Net interest margin | 3.0766% | 2,247 |
| Noninterest income to average assets | 0.4537% | 2,381 |
| Noninterest expense to average assets | 2.9488% | 885 |
| Loan and lease loss provision to assets | 0.0588% | 1,346 |
| Net operating income to assets | 0.2907% | 4,166 |
| Return on assets (ROA) | 0.2907% | 4,139 |
| Pretax return on assets | 0.3688% | 4,088 |
| Return on Equity (ROE) | 3.2374% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.2374% | 3,184 |
| Net charge-offs to loans | 0.0023% | 1,730 |
| Credit loss provision to net charge-offs | 3,500.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 254.5000% | 364 |
| Efficiency ratio | 87.3352% | 666 |
| Assets per employee ($millions) | 5.7052% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,144 |
| Loan loss allowance to noncurrent loans | 491.0781% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,632 |
| Noncurrent loans to loans | 0.2324% | 2,662 |
| Net loans and leases to total assets | 70.7979% | 943 |
| Net loans and leases to deposits | 79.6249% | 1,172 |
| Net loans and leases to core deposits | 83.6071% | 1,262 |
| Total domestic deposits to total assets | 88.9142% | 2,122 |
| Equity capital to assets | 8.5164% | 3,146 |
| Core capital (leverage) ratio | 9.9890% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1994% | 1,213 |
| Memoranda: | ||
| Average total assets | $476,131,500 | 1,808 |
| Average earning assets | $452,320,000 | 1,779 |
| Average equity | $42,750,500 | 1,957 |
| Average total loans | $345,056,500 | 1,532 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 2,875 |
| Cost of funding earning assets | 0.4168% | 1,422 |
| Net interest margin | 3.0057% | 3,176 |
| Noninterest income to average assets | 0.8722% | 1,277 |
| Noninterest expense to average assets | 2.9661% | 1,039 |
| Loan and lease loss provision to assets | 0.0115% | 2,852 |
| Net operating income to assets | 0.5913% | 3,895 |
| Return on assets (ROA) | 0.5927% | 3,936 |
| Pretax return on assets | 0.7511% | 3,835 |
| Return on Equity (ROE) | 6.3056% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.3056% | 2,229 |
| Net charge-offs to loans | -0.0111% | 3,776 |
| Credit loss provision to net charge-offs | -143.2432% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5835% | 831 |
| Assets per employee ($millions) | 5.6990% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,188 |
| Loan loss allowance to noncurrent loans | 117.4254% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 885 |
| Noncurrent loans to loans | 0.9676% | 1,032 |
| Net loans and leases to total assets | 72.5254% | 801 |
| Net loans and leases to deposits | 82.5450% | 1,014 |
| Net loans and leases to core deposits | 87.1766% | 1,123 |
| Total domestic deposits to total assets | 87.8616% | 2,119 |
| Equity capital to assets | 9.4584% | 3,177 |
| Core capital (leverage) ratio | 10.0889% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1507% | 1,229 |
| Memoranda: | ||
| Average total assets | $459,965,200 | 1,813 |
| Average earning assets | $436,864,000 | 1,782 |
| Average equity | $43,231,400 | 1,969 |
| Average total loans | $334,733,600 | 1,573 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 3,037 |
| Cost of funding earning assets | 0.4495% | 1,353 |
| Net interest margin | 2.9730% | 3,376 |
| Noninterest income to average assets | 0.9319% | 1,190 |
| Noninterest expense to average assets | 2.9191% | 1,094 |
| Loan and lease loss provision to assets | 0.0142% | 2,709 |
| Net operating income to assets | 0.6477% | 3,905 |
| Return on assets (ROA) | 0.6496% | 3,953 |
| Pretax return on assets | 0.8230% | 3,847 |
| Return on Equity (ROE) | 6.9225% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.9225% | 2,450 |
| Net charge-offs to loans | -0.0136% | 3,801 |
| Credit loss provision to net charge-offs | -144.1176% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7580% | 894 |
| Assets per employee ($millions) | 5.7230% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 3,109 |
| Loan loss allowance to noncurrent loans | 100.4652% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 855 |
| Noncurrent loans to loans | 1.1673% | 955 |
| Net loans and leases to total assets | 69.8011% | 1,094 |
| Net loans and leases to deposits | 79.3803% | 1,341 |
| Net loans and leases to core deposits | 85.2922% | 1,337 |
| Total domestic deposits to total assets | 87.9326% | 1,884 |
| Equity capital to assets | 9.4234% | 3,442 |
| Core capital (leverage) ratio | 9.9560% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5669% | 1,033 |
| Memoranda: | ||
| Average total assets | $458,126,750 | 1,837 |
| Average earning assets | $434,874,000 | 1,807 |
| Average equity | $42,989,000 | 2,006 |
| Average total loans | $332,712,000 | 1,610 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 3,027 |
| Cost of funding earning assets | 0.4920% | 1,248 |
| Net interest margin | 2.9589% | 3,426 |
| Noninterest income to average assets | 1.0854% | 947 |
| Noninterest expense to average assets | 2.9555% | 1,058 |
| Loan and lease loss provision to assets | 0.0502% | 2,030 |
| Net operating income to assets | 0.6988% | 3,768 |
| Return on assets (ROA) | 0.7016% | 3,826 |
| Pretax return on assets | 0.8891% | 3,684 |
| Return on Equity (ROE) | 7.4875% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.4875% | 2,258 |
| Net charge-offs to loans | -0.0186% | 3,969 |
| Credit loss provision to net charge-offs | -367.7419% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9529% | 1,087 |
| Assets per employee ($millions) | 5.6826% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,930 |
| Loan loss allowance to noncurrent loans | 101.8566% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 946 |
| Noncurrent loans to loans | 1.1788% | 1,023 |
| Net loans and leases to total assets | 69.7525% | 1,232 |
| Net loans and leases to deposits | 79.2343% | 1,493 |
| Net loans and leases to core deposits | 85.4898% | 1,456 |
| Total domestic deposits to total assets | 88.0332% | 1,799 |
| Equity capital to assets | 9.2722% | 3,536 |
| Core capital (leverage) ratio | 9.9116% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9256% | 1,138 |
| Memoranda: | ||
| Average total assets | $454,406,000 | 1,838 |
| Average earning assets | $430,901,333 | 1,814 |
| Average equity | $42,577,667 | 2,011 |
| Average total loans | $333,130,667 | 1,615 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 3,131 |
| Cost of funding earning assets | 0.5457% | 1,126 |
| Net interest margin | 2.8774% | 3,580 |
| Noninterest income to average assets | 1.1680% | 892 |
| Noninterest expense to average assets | 2.9932% | 1,009 |
| Loan and lease loss provision to assets | 0.1016% | 1,327 |
| Net operating income to assets | 0.6274% | 3,871 |
| Return on assets (ROA) | 0.6330% | 3,926 |
| Pretax return on assets | 0.8025% | 3,808 |
| Return on Equity (ROE) | 6.7197% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.7197% | 2,660 |
| Net charge-offs to loans | -0.0358% | 4,257 |
| Credit loss provision to net charge-offs | -380.0000% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9425% | 1,041 |
| Assets per employee ($millions) | 5.6677% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,051 |
| Loan loss allowance to noncurrent loans | 100.1014% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 1,030 |
| Noncurrent loans to loans | 1.1761% | 1,130 |
| Net loans and leases to total assets | 72.2085% | 989 |
| Net loans and leases to deposits | 81.9848% | 1,338 |
| Net loans and leases to core deposits | 89.8273% | 1,242 |
| Total domestic deposits to total assets | 88.0755% | 1,812 |
| Equity capital to assets | 9.1747% | 3,514 |
| Core capital (leverage) ratio | 10.2100% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5078% | 1,162 |
| Memoranda: | ||
| Average total assets | $448,622,500 | 1,846 |
| Average earning assets | $424,413,000 | 1,825 |
| Average equity | $42,263,500 | 2,015 |
| Average total loans | $335,207,000 | 1,609 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 3,364 |
| Cost of funding earning assets | 0.8019% | 1,200 |
| Net interest margin | 2.9766% | 3,945 |
| Noninterest income to average assets | 0.9815% | 1,082 |
| Noninterest expense to average assets | 3.1586% | 1,127 |
| Loan and lease loss provision to assets | 0.1811% | 2,130 |
| Net operating income to assets | 0.3732% | 4,297 |
| Return on assets (ROA) | 0.3766% | 4,374 |
| Pretax return on assets | 0.4778% | 4,306 |
| Return on Equity (ROE) | 3.7858% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.7858% | 2,924 |
| Net charge-offs to loans | 0.0074% | 3,072 |
| Credit loss provision to net charge-offs | 3,133.3333% | 316 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 733 |
| Efficiency ratio | 82.8355% | 703 |
| Assets per employee ($millions) | 5.2791% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,279 |
| Loan loss allowance to noncurrent loans | 106.0184% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 1,247 |
| Noncurrent loans to loans | 1.0714% | 1,331 |
| Net loans and leases to total assets | 75.5800% | 833 |
| Net loans and leases to deposits | 86.4778% | 1,216 |
| Net loans and leases to core deposits | 97.3605% | 1,039 |
| Total domestic deposits to total assets | 87.3981% | 1,745 |
| Equity capital to assets | 9.6785% | 3,431 |
| Core capital (leverage) ratio | 10.2009% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7375% | 1,100 |
| Memoranda: | ||
| Average total assets | $415,277,800 | 1,810 |
| Average earning assets | $395,053,800 | 1,785 |
| Average equity | $41,312,800 | 1,979 |
| Average total loans | $325,585,000 | 1,588 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 3,408 |
| Cost of funding earning assets | 0.8425% | 1,292 |
| Net interest margin | 3.0102% | 3,949 |
| Noninterest income to average assets | 0.9304% | 1,154 |
| Noninterest expense to average assets | 3.1702% | 1,122 |
| Loan and lease loss provision to assets | 0.1541% | 2,471 |
| Net operating income to assets | 0.3759% | 4,311 |
| Return on assets (ROA) | 0.3806% | 4,365 |
| Pretax return on assets | 0.4828% | 4,311 |
| Return on Equity (ROE) | 3.7979% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.7979% | 3,139 |
| Net charge-offs to loans | 0.0099% | 2,748 |
| Credit loss provision to net charge-offs | 1,970.8333% | 485 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 918 |
| Efficiency ratio | 83.4018% | 649 |
| Assets per employee ($millions) | 5.4214% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,405 |
| Loan loss allowance to noncurrent loans | 324.0809% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,160 |
| Noncurrent loans to loans | 0.3276% | 3,111 |
| Net loans and leases to total assets | 76.7301% | 997 |
| Net loans and leases to deposits | 87.9028% | 1,496 |
| Net loans and leases to core deposits | 99.5001% | 1,194 |
| Total domestic deposits to total assets | 87.2897% | 1,546 |
| Equity capital to assets | 9.7338% | 3,488 |
| Core capital (leverage) ratio | 10.1241% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6130% | 1,112 |
| Memoranda: | ||
| Average total assets | $409,556,000 | 1,808 |
| Average earning assets | $390,572,750 | 1,776 |
| Average equity | $41,039,000 | 1,972 |
| Average total loans | $323,238,750 | 1,596 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,502 |
| Cost of funding earning assets | 0.8764% | 1,477 |
| Net interest margin | 3.0614% | 3,989 |
| Noninterest income to average assets | 0.7324% | 1,633 |
| Noninterest expense to average assets | 3.1410% | 1,262 |
| Loan and lease loss provision to assets | 0.1240% | 2,790 |
| Net operating income to assets | 0.3044% | 4,411 |
| Return on assets (ROA) | 0.3114% | 4,445 |
| Pretax return on assets | 0.3952% | 4,418 |
| Return on Equity (ROE) | 3.0767% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.0767% | 3,352 |
| Net charge-offs to loans | 0.0094% | 2,608 |
| Credit loss provision to net charge-offs | 1,666.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 68.6000% | 890 |
| Efficiency ratio | 86.0247% | 533 |
| Assets per employee ($millions) | 5.3205% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,614 |
| Loan loss allowance to noncurrent loans | 259.8901% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,122 |
| Noncurrent loans to loans | 0.3819% | 3,042 |
| Net loans and leases to total assets | 76.6324% | 1,054 |
| Net loans and leases to deposits | 87.5778% | 1,604 |
| Net loans and leases to core deposits | 98.6060% | 1,363 |
| Total domestic deposits to total assets | 87.5021% | 1,414 |
| Equity capital to assets | 9.5846% | 3,578 |
| Core capital (leverage) ratio | 10.6878% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5633% | 1,122 |
| Memoranda: | ||
| Average total assets | $403,311,000 | 1,808 |
| Average earning assets | $384,528,000 | 1,771 |
| Average equity | $40,822,333 | 1,965 |
| Average total loans | $320,267,000 | 1,590 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 3,524 |
| Cost of funding earning assets | 0.9445% | 1,669 |
| Net interest margin | 3.1564% | 3,966 |
| Noninterest income to average assets | 0.6624% | 1,797 |
| Noninterest expense to average assets | 3.1067% | 1,622 |
| Loan and lease loss provision to assets | 0.1222% | 2,170 |
| Net operating income to assets | 0.3438% | 4,252 |
| Return on assets (ROA) | 0.3584% | 4,255 |
| Pretax return on assets | 0.4550% | 4,199 |
| Return on Equity (ROE) | 3.4401% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.4401% | 2,906 |
| Net charge-offs to loans | -0.0038% | 3,778 |
| Credit loss provision to net charge-offs | -3,966.6667% | 3,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7576% | 783 |
| Assets per employee ($millions) | 4.7660% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,623 |
| Loan loss allowance to noncurrent loans | 235.2206% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,067 |
| Noncurrent loans to loans | 0.4318% | 2,957 |
| Net loans and leases to total assets | 78.8089% | 859 |
| Net loans and leases to deposits | 92.6275% | 1,218 |
| Net loans and leases to core deposits | 105.3128% | 1,098 |
| Total domestic deposits to total assets | 85.0815% | 2,384 |
| Equity capital to assets | 10.3598% | 3,463 |
| Core capital (leverage) ratio | 10.9695% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8709% | 1,162 |
| Memoranda: | ||
| Average total assets | $389,486,500 | 1,807 |
| Average earning assets | $370,547,500 | 1,774 |
| Average equity | $40,580,500 | 1,965 |
| Average total loans | $313,617,500 | 1,585 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 3,846 |
| Cost of funding earning assets | 1.0126% | 1,672 |
| Net interest margin | 3.1726% | 4,244 |
| Noninterest income to average assets | 0.7119% | 1,770 |
| Noninterest expense to average assets | 3.1796% | 1,567 |
| Loan and lease loss provision to assets | 0.0346% | 3,319 |
| Net operating income to assets | 0.4067% | 4,583 |
| Return on assets (ROA) | 0.4067% | 4,616 |
| Pretax return on assets | 0.5159% | 4,545 |
| Return on Equity (ROE) | 4.1025% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.1025% | 2,921 |
| Net charge-offs to loans | 0.0211% | 2,994 |
| Credit loss provision to net charge-offs | 214.2857% | 1,231 |
| Earnings coverage of net charge-offs (x) | 34.0952% | 1,456 |
| Efficiency ratio | 85.2422% | 587 |
| Assets per employee ($millions) | 4.9792% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,590 |
| Loan loss allowance to noncurrent loans | 271.8198% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,255 |
| Noncurrent loans to loans | 0.3625% | 3,150 |
| Net loans and leases to total assets | 80.6500% | 709 |
| Net loans and leases to deposits | 95.1114% | 1,036 |
| Net loans and leases to core deposits | 108.3370% | 953 |
| Total domestic deposits to total assets | 84.7954% | 2,575 |
| Equity capital to assets | 10.4800% | 3,469 |
| Core capital (leverage) ratio | 10.9793% | 2,519 |
| Tier 1 risk-based capital ratio | 16.6200% | 2,176 |
| Total risk-based capital ratio | 17.8303% | 2,132 |
| Memoranda: | ||
| Average total assets | $390,202,400 | 1,770 |
| Average earning assets | $371,208,000 | 1,747 |
| Average equity | $38,683,400 | 1,989 |
| Average total loans | $298,816,000 | 1,611 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 3,947 |
| Cost of funding earning assets | 1.0213% | 1,674 |
| Net interest margin | 3.1651% | 4,370 |
| Noninterest income to average assets | 0.6661% | 1,927 |
| Noninterest expense to average assets | 3.1646% | 1,542 |
| Loan and lease loss provision to assets | 0.0289% | 3,325 |
| Net operating income to assets | 0.3814% | 4,751 |
| Return on assets (ROA) | 0.3814% | 4,777 |
| Pretax return on assets | 0.4838% | 4,717 |
| Return on Equity (ROE) | 3.9015% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.9015% | 3,451 |
| Net charge-offs to loans | 0.0302% | 2,467 |
| Credit loss provision to net charge-offs | 126.8657% | 1,861 |
| Earnings coverage of net charge-offs (x) | 22.4928% | 1,866 |
| Efficiency ratio | 86.0579% | 497 |
| Assets per employee ($millions) | 4.9962% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,585 |
| Loan loss allowance to noncurrent loans | 269.0391% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,399 |
| Noncurrent loans to loans | 0.3710% | 3,227 |
| Net loans and leases to total assets | 76.9608% | 1,328 |
| Net loans and leases to deposits | 90.2484% | 1,671 |
| Net loans and leases to core deposits | 102.9786% | 1,413 |
| Total domestic deposits to total assets | 85.2767% | 2,309 |
| Equity capital to assets | 10.1693% | 3,854 |
| Core capital (leverage) ratio | 10.6331% | 2,989 |
| Tier 1 risk-based capital ratio | 16.5662% | 2,242 |
| Total risk-based capital ratio | 17.7651% | 2,197 |
| Memoranda: | ||
| Average total assets | $391,904,000 | 1,781 |
| Average earning assets | $372,854,750 | 1,746 |
| Average equity | $38,309,250 | 2,015 |
| Average total loans | $295,448,500 | 1,636 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 4,133 |
| Cost of funding earning assets | 1.0134% | 1,629 |
| Net interest margin | 3.0981% | 4,539 |
| Noninterest income to average assets | 0.5944% | 2,178 |
| Noninterest expense to average assets | 3.1062% | 1,714 |
| Loan and lease loss provision to assets | 0.0331% | 3,166 |
| Net operating income to assets | 0.3173% | 4,853 |
| Return on assets (ROA) | 0.3173% | 4,864 |
| Pretax return on assets | 0.4029% | 4,824 |
| Return on Equity (ROE) | 3.2903% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.2903% | 3,580 |
| Net charge-offs to loans | -0.0041% | 4,077 |
| Credit loss provision to net charge-offs | -1,083.3333% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6905% | 455 |
| Assets per employee ($millions) | 5.1129% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,494 |
| Loan loss allowance to noncurrent loans | 142.7378% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 2,392 |
| Noncurrent loans to loans | 0.7164% | 2,191 |
| Net loans and leases to total assets | 74.6545% | 1,776 |
| Net loans and leases to deposits | 86.9642% | 2,135 |
| Net loans and leases to core deposits | 101.9784% | 1,556 |
| Total domestic deposits to total assets | 85.8451% | 2,115 |
| Equity capital to assets | 9.7844% | 4,151 |
| Core capital (leverage) ratio | 10.3848% | 3,203 |
| Tier 1 risk-based capital ratio | 16.0641% | 2,384 |
| Total risk-based capital ratio | 17.2608% | 2,349 |
| Memoranda: | ||
| Average total assets | $392,638,330 | 1,789 |
| Average earning assets | $373,579,330 | 1,748 |
| Average equity | $37,869,000 | 2,029 |
| Average total loans | $292,951,000 | 1,648 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 4,220 |
| Cost of funding earning assets | 0.9868% | 1,623 |
| Net interest margin | 3.0792% | 4,622 |
| Noninterest income to average assets | 0.5309% | 2,381 |
| Noninterest expense to average assets | 3.0445% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3265% | 4,865 |
| Return on assets (ROA) | 0.3265% | 4,874 |
| Pretax return on assets | 0.4148% | 4,821 |
| Return on Equity (ROE) | 3.4108% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.4108% | 3,556 |
| Net charge-offs to loans | -0.0055% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0083% | 483 |
| Assets per employee ($millions) | 4.8956% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 3,498 |
| Loan loss allowance to noncurrent loans | 129.6983% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 2,312 |
| Noncurrent loans to loans | 0.7980% | 2,042 |
| Net loans and leases to total assets | 72.5607% | 2,066 |
| Net loans and leases to deposits | 84.9457% | 2,267 |
| Net loans and leases to core deposits | 99.8508% | 1,637 |
| Total domestic deposits to total assets | 85.4200% | 2,519 |
| Equity capital to assets | 9.5460% | 4,216 |
| Core capital (leverage) ratio | 10.5847% | 2,959 |
| Tier 1 risk-based capital ratio | 16.2055% | 2,362 |
| Total risk-based capital ratio | 17.3953% | 2,332 |
| Memoranda: | ||
| Average total assets | $389,553,000 | 1,812 |
| Average earning assets | $370,481,500 | 1,767 |
| Average equity | $37,293,000 | 2,043 |
| Average total loans | $289,024,000 | 1,669 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,937 |
| Cost of funding earning assets | 0.7764% | 1,651 |
| Net interest margin | 3.2571% | 4,363 |
| Noninterest income to average assets | 0.6791% | 1,931 |
| Noninterest expense to average assets | 3.1516% | 1,673 |
| Loan and lease loss provision to assets | 0.0109% | 3,915 |
| Net operating income to assets | 0.4784% | 4,708 |
| Return on assets (ROA) | 0.4784% | 4,710 |
| Pretax return on assets | 0.6069% | 4,619 |
| Return on Equity (ROE) | 4.9272% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.9272% | 2,807 |
| Net charge-offs to loans | 0.0191% | 3,060 |
| Credit loss provision to net charge-offs | 76.9231% | 2,908 |
| Earnings coverage of net charge-offs (x) | 43.6154% | 1,237 |
| Efficiency ratio | 83.6092% | 679 |
| Assets per employee ($millions) | 4.9046% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,411 |
| Loan loss allowance to noncurrent loans | 130.8798% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,164 |
| Noncurrent loans to loans | 0.7992% | 2,005 |
| Net loans and leases to total assets | 74.3145% | 1,886 |
| Net loans and leases to deposits | 87.2375% | 2,140 |
| Net loans and leases to core deposits | 103.2673% | 1,480 |
| Total domestic deposits to total assets | 85.1865% | 2,568 |
| Equity capital to assets | 9.6016% | 4,043 |
| Core capital (leverage) ratio | 10.8195% | 2,713 |
| Tier 1 risk-based capital ratio | 16.2446% | 2,324 |
| Total risk-based capital ratio | 17.4449% | 2,287 |
| Memoranda: | ||
| Average total assets | $367,086,400 | 1,842 |
| Average earning assets | $348,290,200 | 1,820 |
| Average equity | $35,638,800 | 2,046 |
| Average total loans | $271,761,000 | 1,717 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,922 |
| Cost of funding earning assets | 0.7278% | 1,701 |
| Net interest margin | 3.2752% | 4,348 |
| Noninterest income to average assets | 0.6802% | 1,938 |
| Noninterest expense to average assets | 3.1628% | 1,616 |
| Loan and lease loss provision to assets | 0.0073% | 3,828 |
| Net operating income to assets | 0.4853% | 4,788 |
| Return on assets (ROA) | 0.4853% | 4,794 |
| Pretax return on assets | 0.6156% | 4,703 |
| Return on Equity (ROE) | 4.9840% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.9840% | 3,247 |
| Net charge-offs to loans | 0.0229% | 2,679 |
| Credit loss provision to net charge-offs | 43.4783% | 2,875 |
| Earnings coverage of net charge-offs (x) | 36.8924% | 1,416 |
| Efficiency ratio | 83.5450% | 674 |
| Assets per employee ($millions) | 4.8504% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,325 |
| Loan loss allowance to noncurrent loans | 136.3719% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,340 |
| Noncurrent loans to loans | 0.7882% | 2,132 |
| Net loans and leases to total assets | 73.7315% | 2,031 |
| Net loans and leases to deposits | 85.8857% | 2,382 |
| Net loans and leases to core deposits | 99.7613% | 1,813 |
| Total domestic deposits to total assets | 85.8484% | 2,260 |
| Equity capital to assets | 9.4300% | 4,153 |
| Core capital (leverage) ratio | 10.9314% | 2,643 |
| Tier 1 risk-based capital ratio | 16.3476% | 2,318 |
| Total risk-based capital ratio | 17.5634% | 2,274 |
| Memoranda: | ||
| Average total assets | $363,217,500 | 1,870 |
| Average earning assets | $344,398,750 | 1,837 |
| Average equity | $35,365,500 | 2,066 |
| Average total loans | $267,875,250 | 1,744 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,029 |
| Cost of funding earning assets | 0.6803% | 1,739 |
| Net interest margin | 3.2355% | 4,424 |
| Noninterest income to average assets | 0.6732% | 1,985 |
| Noninterest expense to average assets | 3.1896% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4336% | 4,893 |
| Return on assets (ROA) | 0.4336% | 4,900 |
| Pretax return on assets | 0.5503% | 4,815 |
| Return on Equity (ROE) | 4.4050% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.4050% | 3,399 |
| Net charge-offs to loans | 0.0340% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,756 |
| Efficiency ratio | 85.2854% | 613 |
| Assets per employee ($millions) | 4.7661% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,278 |
| Loan loss allowance to noncurrent loans | 107.4476% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,974 |
| Noncurrent loans to loans | 1.0216% | 1,725 |
| Net loans and leases to total assets | 72.9687% | 2,121 |
| Net loans and leases to deposits | 85.2491% | 2,405 |
| Net loans and leases to core deposits | 98.8283% | 1,828 |
| Total domestic deposits to total assets | 85.5947% | 2,458 |
| Equity capital to assets | 9.5896% | 4,015 |
| Core capital (leverage) ratio | 11.1753% | 2,364 |
| Tier 1 risk-based capital ratio | 16.8788% | 2,136 |
| Total risk-based capital ratio | 18.1286% | 2,088 |
| Memoranda: | ||
| Average total assets | $359,797,330 | 1,887 |
| Average earning assets | $341,033,000 | 1,860 |
| Average equity | $35,414,330 | 2,072 |
| Average total loans | $264,379,330 | 1,769 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,923 |
| Cost of funding earning assets | 0.6306% | 1,841 |
| Net interest margin | 3.2691% | 4,264 |
| Noninterest income to average assets | 0.5940% | 2,290 |
| Noninterest expense to average assets | 3.2251% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3672% | 4,988 |
| Return on assets (ROA) | 0.3672% | 4,993 |
| Pretax return on assets | 0.4660% | 4,931 |
| Return on Equity (ROE) | 3.6819% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.6819% | 3,723 |
| Net charge-offs to loans | 0.0490% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.9688% | 1,777 |
| Efficiency ratio | 87.3745% | 564 |
| Assets per employee ($millions) | 4.7546% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,170 |
| Loan loss allowance to noncurrent loans | 106.4551% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 2,023 |
| Noncurrent loans to loans | 1.0666% | 1,716 |
| Net loans and leases to total assets | 71.9254% | 2,179 |
| Net loans and leases to deposits | 84.4375% | 2,346 |
| Net loans and leases to core deposits | 95.1775% | 2,041 |
| Total domestic deposits to total assets | 85.1817% | 2,864 |
| Equity capital to assets | 9.7224% | 3,867 |
| Core capital (leverage) ratio | 11.1441% | 2,289 |
| Tier 1 risk-based capital ratio | 17.1041% | 2,087 |
| Total risk-based capital ratio | 18.3544% | 2,040 |
| Memoranda: | ||
| Average total assets | $356,201,000 | 1,916 |
| Average earning assets | $337,463,500 | 1,886 |
| Average equity | $35,525,000 | 2,072 |
| Average total loans | $261,189,000 | 1,789 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,587 |
| Cost of funding earning assets | 0.6121% | 1,525 |
| Net interest margin | 3.3331% | 4,060 |
| Noninterest income to average assets | 0.7635% | 1,718 |
| Noninterest expense to average assets | 3.2405% | 1,527 |
| Loan and lease loss provision to assets | 0.0507% | 3,205 |
| Net operating income to assets | 0.2520% | 5,018 |
| Return on assets (ROA) | 0.2687% | 5,003 |
| Pretax return on assets | 0.6551% | 4,616 |
| Return on Equity (ROE) | 2.6187% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.6187% | 3,752 |
| Net charge-offs to loans | 0.0609% | 2,597 |
| Credit loss provision to net charge-offs | 115.1316% | 2,280 |
| Earnings coverage of net charge-offs (x) | 15.4276% | 2,248 |
| Efficiency ratio | 82.6605% | 881 |
| Assets per employee ($millions) | 4.5591% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,997 |
| Loan loss allowance to noncurrent loans | 113.7203% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 2,067 |
| Noncurrent loans to loans | 1.0224% | 1,738 |
| Net loans and leases to total assets | 73.0586% | 2,084 |
| Net loans and leases to deposits | 86.1483% | 2,244 |
| Net loans and leases to core deposits | 96.6863% | 1,971 |
| Total domestic deposits to total assets | 84.8056% | 2,913 |
| Equity capital to assets | 10.2316% | 3,456 |
| Core capital (leverage) ratio | 10.8526% | 2,470 |
| Tier 1 risk-based capital ratio | 16.9969% | 2,097 |
| Total risk-based capital ratio | 18.2476% | 2,044 |
| Memoranda: | ||
| Average total assets | $344,979,400 | 1,942 |
| Average earning assets | $326,721,800 | 1,906 |
| Average equity | $35,399,200 | 2,057 |
| Average total loans | $249,671,200 | 1,819 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,651 |
| Cost of funding earning assets | 0.6071% | 1,483 |
| Net interest margin | 3.3051% | 4,158 |
| Noninterest income to average assets | 0.7547% | 1,760 |
| Noninterest expense to average assets | 3.2267% | 1,504 |
| Loan and lease loss provision to assets | 0.0543% | 3,006 |
| Net operating income to assets | 0.3971% | 5,003 |
| Return on assets (ROA) | 0.4204% | 4,984 |
| Pretax return on assets | 0.6390% | 4,761 |
| Return on Equity (ROE) | 4.0941% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.0941% | 3,484 |
| Net charge-offs to loans | 0.1062% | 1,728 |
| Credit loss provision to net charge-offs | 71.0660% | 2,689 |
| Earnings coverage of net charge-offs (x) | 8.6041% | 2,763 |
| Efficiency ratio | 83.0619% | 833 |
| Assets per employee ($millions) | 4.7905% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,199 |
| Loan loss allowance to noncurrent loans | 103.5979% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 2,121 |
| Noncurrent loans to loans | 1.1106% | 1,731 |
| Net loans and leases to total assets | 72.1511% | 2,235 |
| Net loans and leases to deposits | 83.5156% | 2,614 |
| Net loans and leases to core deposits | 93.8910% | 2,282 |
| Total domestic deposits to total assets | 86.3924% | 2,138 |
| Equity capital to assets | 10.3051% | 3,584 |
| Core capital (leverage) ratio | 10.7826% | 2,659 |
| Tier 1 risk-based capital ratio | 17.2027% | 2,094 |
| Total risk-based capital ratio | 18.4537% | 2,048 |
| Memoranda: | ||
| Average total assets | $343,461,500 | 1,958 |
| Average earning assets | $325,269,000 | 1,928 |
| Average equity | $35,269,500 | 2,073 |
| Average total loans | $247,216,500 | 1,841 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 3,556 |
| Cost of funding earning assets | 0.5947% | 1,485 |
| Net interest margin | 3.3021% | 4,100 |
| Noninterest income to average assets | 0.7048% | 1,965 |
| Noninterest expense to average assets | 3.2509% | 1,468 |
| Loan and lease loss provision to assets | 0.0697% | 2,581 |
| Net operating income to assets | 0.3357% | 5,137 |
| Return on assets (ROA) | 0.3562% | 5,102 |
| Pretax return on assets | 0.5413% | 4,927 |
| Return on Equity (ROE) | 3.4730% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,637 |
| Net charge-offs to loans | 0.0286% | 2,640 |
| Credit loss provision to net charge-offs | 340.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 28.2857% | 1,507 |
| Efficiency ratio | 84.8601% | 776 |
| Assets per employee ($millions) | 4.6817% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,815 |
| Loan loss allowance to noncurrent loans | 133.0739% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 2,607 |
| Noncurrent loans to loans | 0.9260% | 2,116 |
| Net loans and leases to total assets | 69.3348% | 2,614 |
| Net loans and leases to deposits | 80.0790% | 2,902 |
| Net loans and leases to core deposits | 91.0601% | 2,423 |
| Total domestic deposits to total assets | 86.5830% | 2,136 |
| Equity capital to assets | 10.0244% | 3,884 |
| Core capital (leverage) ratio | 10.8351% | 2,566 |
| Tier 1 risk-based capital ratio | 17.2654% | 2,072 |
| Total risk-based capital ratio | 18.5171% | 2,026 |
| Memoranda: | ||
| Average total assets | $341,379,000 | 1,973 |
| Average earning assets | $323,189,670 | 1,940 |
| Average equity | $35,013,330 | 2,075 |
| Average total loans | $244,536,670 | 1,857 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,477 |
| Cost of funding earning assets | 0.5758% | 1,537 |
| Net interest margin | 3.3016% | 4,003 |
| Noninterest income to average assets | 0.5901% | 2,460 |
| Noninterest expense to average assets | 3.2571% | 1,461 |
| Loan and lease loss provision to assets | 0.1017% | 1,863 |
| Net operating income to assets | 0.2322% | 5,341 |
| Return on assets (ROA) | 0.2717% | 5,276 |
| Pretax return on assets | 0.4142% | 5,140 |
| Return on Equity (ROE) | 2.6178% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.6178% | 4,090 |
| Net charge-offs to loans | 0.0050% | 2,805 |
| Credit loss provision to net charge-offs | 2,833.3333% | 121 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 430 |
| Efficiency ratio | 87.7176% | 681 |
| Assets per employee ($millions) | 4.6214% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,662 |
| Loan loss allowance to noncurrent loans | 132.3580% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,543 |
| Noncurrent loans to loans | 0.9629% | 2,116 |
| Net loans and leases to total assets | 69.6764% | 2,442 |
| Net loans and leases to deposits | 80.3047% | 2,710 |
| Net loans and leases to core deposits | 91.4148% | 2,225 |
| Total domestic deposits to total assets | 86.7651% | 2,326 |
| Equity capital to assets | 10.1599% | 3,562 |
| Core capital (leverage) ratio | 11.3953% | 2,030 |
| Tier 1 risk-based capital ratio | 17.5913% | 2,004 |
| Total risk-based capital ratio | 18.8440% | 1,957 |
| Memoranda: | ||
| Average total assets | $334,163,000 | 2,022 |
| Average earning assets | $316,085,500 | 1,990 |
| Average equity | $34,686,000 | 2,097 |
| Average total loans | $241,915,500 | 1,883 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,185 |
| Cost of funding earning assets | 0.5911% | 1,398 |
| Net interest margin | 3.4133% | 3,774 |
| Noninterest income to average assets | 0.6446% | 2,445 |
| Noninterest expense to average assets | 3.1857% | 1,825 |
| Loan and lease loss provision to assets | -0.0182% | 5,519 |
| Net operating income to assets | 0.4463% | 4,810 |
| Return on assets (ROA) | 0.4911% | 4,741 |
| Pretax return on assets | 0.7690% | 4,273 |
| Return on Equity (ROE) | 4.6690% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.6690% | 2,570 |
| Net charge-offs to loans | 0.0615% | 2,831 |
| Credit loss provision to net charge-offs | -40.0000% | 4,803 |
| Earnings coverage of net charge-offs (x) | 14.9267% | 2,252 |
| Efficiency ratio | 82.3923% | 1,157 |
| Assets per employee ($millions) | 4.5964% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,909 |
| Loan loss allowance to noncurrent loans | 148.9552% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 2,808 |
| Noncurrent loans to loans | 0.8290% | 2,452 |
| Net loans and leases to total assets | 73.3828% | 1,948 |
| Net loans and leases to deposits | 86.5602% | 2,098 |
| Net loans and leases to core deposits | 96.2100% | 1,907 |
| Total domestic deposits to total assets | 84.7765% | 3,145 |
| Equity capital to assets | 10.6106% | 3,029 |
| Core capital (leverage) ratio | 11.4009% | 2,006 |
| Tier 1 risk-based capital ratio | 17.6537% | 1,964 |
| Total risk-based capital ratio | 18.9119% | 1,923 |
| Memoranda: | ||
| Average total assets | $328,875,000 | 2,008 |
| Average earning assets | $310,431,200 | 1,973 |
| Average equity | $34,590,000 | 2,102 |
| Average total loans | $243,976,200 | 1,826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,228 |
| Cost of funding earning assets | 0.5932% | 1,384 |
| Net interest margin | 3.4086% | 3,811 |
| Noninterest income to average assets | 0.6430% | 2,463 |
| Noninterest expense to average assets | 3.1444% | 1,917 |
| Loan and lease loss provision to assets | 0.1477% | 1,588 |
| Net operating income to assets | 0.3666% | 5,124 |
| Return on assets (ROA) | 0.4249% | 5,034 |
| Pretax return on assets | 0.6596% | 4,715 |
| Return on Equity (ROE) | 4.0484% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.0484% | 3,420 |
| Net charge-offs to loans | 0.2041% | 1,146 |
| Credit loss provision to net charge-offs | 97.5936% | 2,413 |
| Earnings coverage of net charge-offs (x) | 4.7327% | 3,234 |
| Efficiency ratio | 81.4485% | 1,254 |
| Assets per employee ($millions) | 4.5367% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 2,496 |
| Loan loss allowance to noncurrent loans | 271.2224% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 3,839 |
| Noncurrent loans to loans | 0.4937% | 3,521 |
| Net loans and leases to total assets | 72.0662% | 2,185 |
| Net loans and leases to deposits | 83.6561% | 2,529 |
| Net loans and leases to core deposits | 93.0549% | 2,272 |
| Total domestic deposits to total assets | 86.1458% | 2,284 |
| Equity capital to assets | 10.7744% | 3,276 |
| Core capital (leverage) ratio | 10.9233% | 2,537 |
| Tier 1 risk-based capital ratio | 17.5474% | 2,057 |
| Total risk-based capital ratio | 18.8033% | 2,020 |
| Memoranda: | ||
| Average total assets | $329,507,500 | 2,009 |
| Average earning assets | $311,048,250 | 1,972 |
| Average equity | $34,580,750 | 2,110 |
| Average total loans | $244,351,500 | 1,826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 3,282 |
| Cost of funding earning assets | 0.5837% | 1,441 |
| Net interest margin | 3.4041% | 3,875 |
| Noninterest income to average assets | 0.6016% | 2,611 |
| Noninterest expense to average assets | 3.0914% | 2,088 |
| Loan and lease loss provision to assets | 0.2209% | 940 |
| Net operating income to assets | 0.3232% | 5,255 |
| Return on assets (ROA) | 0.4103% | 5,089 |
| Pretax return on assets | 0.6373% | 4,796 |
| Return on Equity (ROE) | 3.9446% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.9446% | 3,391 |
| Net charge-offs to loans | 0.2989% | 799 |
| Credit loss provision to net charge-offs | 99.1848% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.2418% | 3,143 |
| Efficiency ratio | 81.0665% | 1,380 |
| Assets per employee ($millions) | 4.6159% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,711 |
| Loan loss allowance to noncurrent loans | 284.7865% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 3,756 |
| Noncurrent loans to loans | 0.4614% | 3,716 |
| Net loans and leases to total assets | 71.3473% | 2,276 |
| Net loans and leases to deposits | 83.5977% | 2,514 |
| Net loans and leases to core deposits | 95.1102% | 2,056 |
| Total domestic deposits to total assets | 85.3460% | 2,714 |
| Equity capital to assets | 10.3279% | 3,819 |
| Core capital (leverage) ratio | 11.0130% | 2,419 |
| Tier 1 risk-based capital ratio | 16.9875% | 2,225 |
| Total risk-based capital ratio | 18.2465% | 2,179 |
| Memoranda: | ||
| Average total assets | $330,462,000 | 2,016 |
| Average earning assets | $311,798,330 | 1,980 |
| Average equity | $34,376,330 | 2,127 |
| Average total loans | $246,270,330 | 1,819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,113 |
| Cost of funding earning assets | 0.5847% | 1,451 |
| Net interest margin | 3.4448% | 3,693 |
| Noninterest income to average assets | 0.5929% | 2,574 |
| Noninterest expense to average assets | 3.0622% | 2,206 |
| Loan and lease loss provision to assets | 0.2384% | 761 |
| Net operating income to assets | 0.3488% | 5,152 |
| Return on assets (ROA) | 0.4450% | 4,930 |
| Pretax return on assets | 0.6882% | 4,562 |
| Return on Equity (ROE) | 4.2618% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.2618% | 3,349 |
| Net charge-offs to loans | 0.0016% | 3,062 |
| Credit loss provision to net charge-offs | 19,500.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 637.0000% | 79 |
| Efficiency ratio | 79.7263% | 1,644 |
| Assets per employee ($millions) | 4.3386% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,525 |
| Loan loss allowance to noncurrent loans | 219.7930% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,411 |
| Noncurrent loans to loans | 0.6269% | 3,288 |
| Net loans and leases to total assets | 73.7634% | 1,763 |
| Net loans and leases to deposits | 86.5821% | 2,009 |
| Net loans and leases to core deposits | 100.2857% | 1,459 |
| Total domestic deposits to total assets | 85.1947% | 3,039 |
| Equity capital to assets | 10.4351% | 3,575 |
| Core capital (leverage) ratio | 11.0969% | 2,317 |
| Tier 1 risk-based capital ratio | 16.9802% | 2,295 |
| Total risk-based capital ratio | 18.2580% | 2,239 |
| Memoranda: | ||
| Average total assets | $327,213,000 | 2,041 |
| Average earning assets | $308,525,000 | 2,003 |
| Average equity | $34,164,000 | 2,132 |
| Average total loans | $247,599,000 | 1,814 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,674 |
| Cost of funding earning assets | 0.5947% | 1,398 |
| Net interest margin | 3.5741% | 3,231 |
| Noninterest income to average assets | 0.6630% | 2,391 |
| Noninterest expense to average assets | 3.5140% | 1,266 |
| Loan and lease loss provision to assets | 0.1243% | 1,936 |
| Net operating income to assets | 0.2596% | 5,462 |
| Return on assets (ROA) | 0.3008% | 5,439 |
| Pretax return on assets | 0.4505% | 5,226 |
| Return on Equity (ROE) | 2.8052% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.8052% | 4,072 |
| Net charge-offs to loans | 0.0572% | 3,079 |
| Credit loss provision to net charge-offs | 278.5714% | 1,047 |
| Earnings coverage of net charge-offs (x) | 11.5071% | 2,567 |
| Efficiency ratio | 87.2547% | 888 |
| Assets per employee ($millions) | 4.2168% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,970 |
| Loan loss allowance to noncurrent loans | 283.5398% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 3,884 |
| Noncurrent loans to loans | 0.4546% | 3,841 |
| Net loans and leases to total assets | 75.5710% | 1,484 |
| Net loans and leases to deposits | 89.0834% | 1,732 |
| Net loans and leases to core deposits | 102.5790% | 1,322 |
| Total domestic deposits to total assets | 84.8318% | 3,157 |
| Equity capital to assets | 10.4468% | 3,430 |
| Core capital (leverage) ratio | 11.1614% | 2,254 |
| Tier 1 risk-based capital ratio | 16.5199% | 2,468 |
| Total risk-based capital ratio | 17.7905% | 2,417 |
| Memoranda: | ||
| Average total assets | $313,859,600 | 2,072 |
| Average earning assets | $295,431,800 | 2,046 |
| Average equity | $33,651,600 | 2,114 |
| Average total loans | $244,954,000 | 1,759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 2,618 |
| Cost of funding earning assets | 0.5928% | 1,452 |
| Net interest margin | 3.5966% | 3,177 |
| Noninterest income to average assets | 0.6766% | 2,343 |
| Noninterest expense to average assets | 3.3458% | 1,584 |
| Loan and lease loss provision to assets | 0.1543% | 1,410 |
| Net operating income to assets | 0.3744% | 5,248 |
| Return on assets (ROA) | 0.4298% | 5,136 |
| Pretax return on assets | 0.6445% | 4,848 |
| Return on Equity (ROE) | 3.9819% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.9819% | 3,635 |
| Net charge-offs to loans | 0.0530% | 2,848 |
| Credit loss provision to net charge-offs | 371.1340% | 805 |
| Earnings coverage of net charge-offs (x) | 17.2268% | 2,067 |
| Efficiency ratio | 82.3716% | 1,344 |
| Assets per employee ($millions) | 4.1179% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 3,142 |
| Loan loss allowance to noncurrent loans | 438.8813% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,496 |
| Noncurrent loans to loans | 0.2944% | 4,534 |
| Net loans and leases to total assets | 77.4993% | 1,177 |
| Net loans and leases to deposits | 91.8923% | 1,422 |
| Net loans and leases to core deposits | 105.8747% | 1,105 |
| Total domestic deposits to total assets | 84.3371% | 3,289 |
| Equity capital to assets | 10.7587% | 3,293 |
| Core capital (leverage) ratio | 11.3542% | 2,149 |
| Tier 1 risk-based capital ratio | 16.7873% | 2,439 |
| Total risk-based capital ratio | 18.0483% | 2,401 |
| Memoranda: | ||
| Average total assets | $311,151,500 | 2,098 |
| Average earning assets | $292,862,750 | 2,074 |
| Average equity | $33,584,500 | 2,124 |
| Average total loans | $244,048,250 | 1,774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 2,665 |
| Cost of funding earning assets | 0.5889% | 1,490 |
| Net interest margin | 3.5753% | 3,185 |
| Noninterest income to average assets | 0.6805% | 2,297 |
| Noninterest expense to average assets | 3.4433% | 1,387 |
| Loan and lease loss provision to assets | 0.1682% | 1,243 |
| Net operating income to assets | 0.2924% | 5,461 |
| Return on assets (ROA) | 0.3855% | 5,291 |
| Pretax return on assets | 0.5738% | 5,036 |
| Return on Equity (ROE) | 3.5680% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.5680% | 3,756 |
| Net charge-offs to loans | 0.0479% | 2,747 |
| Credit loss provision to net charge-offs | 448.2759% | 681 |
| Earnings coverage of net charge-offs (x) | 16.0690% | 1,931 |
| Efficiency ratio | 85.0999% | 1,142 |
| Assets per employee ($millions) | 4.1339% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 3,347 |
| Loan loss allowance to noncurrent loans | 329.4363% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 4,333 |
| Noncurrent loans to loans | 0.3887% | 4,318 |
| Net loans and leases to total assets | 77.4521% | 1,142 |
| Net loans and leases to deposits | 90.8787% | 1,497 |
| Net loans and leases to core deposits | 104.7575% | 1,146 |
| Total domestic deposits to total assets | 85.2257% | 3,031 |
| Equity capital to assets | 10.6517% | 3,269 |
| Core capital (leverage) ratio | 11.3232% | 2,143 |
| Tier 1 risk-based capital ratio | 16.6284% | 2,551 |
| Total risk-based capital ratio | 17.8842% | 2,502 |
| Memoranda: | ||
| Average total assets | $309,177,000 | 2,129 |
| Average earning assets | $291,056,000 | 2,104 |
| Average equity | $33,408,330 | 2,143 |
| Average total loans | $242,415,000 | 1,794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 2,485 |
| Cost of funding earning assets | 0.5832% | 1,557 |
| Net interest margin | 3.6103% | 2,963 |
| Noninterest income to average assets | 0.6261% | 2,519 |
| Noninterest expense to average assets | 3.4499% | 1,407 |
| Loan and lease loss provision to assets | 0.1122% | 1,844 |
| Net operating income to assets | 0.3136% | 5,366 |
| Return on assets (ROA) | 0.5087% | 4,761 |
| Pretax return on assets | 0.7500% | 4,428 |
| Return on Equity (ROE) | 4.6735% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.6735% | 3,223 |
| Net charge-offs to loans | -0.0017% | 4,346 |
| Credit loss provision to net charge-offs | -8,600.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7097% | 1,205 |
| Assets per employee ($millions) | 4.0512% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 3,635 |
| Loan loss allowance to noncurrent loans | 369.0534% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 4,599 |
| Noncurrent loans to loans | 0.3413% | 4,564 |
| Net loans and leases to total assets | 76.4306% | 1,147 |
| Net loans and leases to deposits | 90.0255% | 1,391 |
| Net loans and leases to core deposits | 104.2547% | 1,049 |
| Total domestic deposits to total assets | 84.8988% | 3,459 |
| Equity capital to assets | 10.7674% | 3,237 |
| Core capital (leverage) ratio | 11.4326% | 2,050 |
| Tier 1 risk-based capital ratio | 16.7195% | 2,589 |
| Total risk-based capital ratio | 17.9804% | 2,535 |
| Memoranda: | ||
| Average total assets | $306,678,000 | 2,155 |
| Average earning assets | $288,731,500 | 2,122 |
| Average equity | $33,380,000 | 2,156 |
| Average total loans | $240,377,000 | 1,809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,626 |
| Cost of funding earning assets | 0.5799% | 1,951 |
| Net interest margin | 3.7147% | 2,955 |
| Noninterest income to average assets | 0.6369% | 2,633 |
| Noninterest expense to average assets | 3.2693% | 2,008 |
| Loan and lease loss provision to assets | 0.2178% | 1,132 |
| Net operating income to assets | 0.4241% | 5,134 |
| Return on assets (ROA) | 0.5283% | 4,779 |
| Pretax return on assets | 0.7979% | 4,267 |
| Return on Equity (ROE) | 4.8056% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.8056% | 2,752 |
| Net charge-offs to loans | 0.0799% | 3,347 |
| Credit loss provision to net charge-offs | 353.8462% | 745 |
| Earnings coverage of net charge-offs (x) | 13.9341% | 2,223 |
| Efficiency ratio | 79.2165% | 2,036 |
| Assets per employee ($millions) | 3.9660% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,796 |
| Loan loss allowance to noncurrent loans | 213.5936% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,608 |
| Noncurrent loans to loans | 0.5780% | 3,938 |
| Net loans and leases to total assets | 78.4104% | 949 |
| Net loans and leases to deposits | 92.9156% | 1,194 |
| Net loans and leases to core deposits | 105.7085% | 1,032 |
| Total domestic deposits to total assets | 84.3889% | 3,560 |
| Equity capital to assets | 11.0055% | 2,894 |
| Core capital (leverage) ratio | 11.3886% | 2,063 |
| Tier 1 risk-based capital ratio | 16.5532% | 2,694 |
| Total risk-based capital ratio | 17.8654% | 2,614 |
| Memoranda: | ||
| Average total assets | $295,661,600 | 2,180 |
| Average earning assets | $277,787,600 | 2,148 |
| Average equity | $32,503,600 | 2,139 |
| Average total loans | $227,681,800 | 1,840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,690 |
| Cost of funding earning assets | 0.5823% | 1,998 |
| Net interest margin | 3.7033% | 3,010 |
| Noninterest income to average assets | 0.5986% | 2,881 |
| Noninterest expense to average assets | 3.2528% | 2,022 |
| Loan and lease loss provision to assets | 0.2356% | 934 |
| Net operating income to assets | 0.3922% | 5,273 |
| Return on assets (ROA) | 0.5012% | 4,934 |
| Pretax return on assets | 0.7513% | 4,528 |
| Return on Equity (ROE) | 4.5603% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.5603% | 3,401 |
| Net charge-offs to loans | 0.0842% | 2,997 |
| Credit loss provision to net charge-offs | 366.1972% | 769 |
| Earnings coverage of net charge-offs (x) | 12.8098% | 2,283 |
| Efficiency ratio | 79.7821% | 1,947 |
| Assets per employee ($millions) | 4.2443% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,085 |
| Loan loss allowance to noncurrent loans | 220.9392% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 3,885 |
| Noncurrent loans to loans | 0.5558% | 4,255 |
| Net loans and leases to total assets | 75.5394% | 1,276 |
| Net loans and leases to deposits | 89.5539% | 1,473 |
| Net loans and leases to core deposits | 101.5337% | 1,250 |
| Total domestic deposits to total assets | 84.3508% | 3,616 |
| Equity capital to assets | 10.8271% | 3,153 |
| Core capital (leverage) ratio | 11.1362% | 2,364 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,999 |
| Total risk-based capital ratio | 17.4344% | 2,923 |
| Memoranda: | ||
| Average total assets | $294,223,500 | 2,201 |
| Average earning assets | $276,360,500 | 2,168 |
| Average equity | $32,336,500 | 2,154 |
| Average total loans | $224,778,750 | 1,872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,511 |
| Cost of funding earning assets | 0.5861% | 2,016 |
| Net interest margin | 3.7362% | 2,816 |
| Noninterest income to average assets | 0.6108% | 2,761 |
| Noninterest expense to average assets | 3.3061% | 1,910 |
| Loan and lease loss provision to assets | 0.2851% | 707 |
| Net operating income to assets | 0.3413% | 5,428 |
| Return on assets (ROA) | 0.3484% | 5,481 |
| Pretax return on assets | 0.5378% | 5,165 |
| Return on Equity (ROE) | 3.1540% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.1540% | 4,195 |
| Net charge-offs to loans | 0.0280% | 3,633 |
| Credit loss provision to net charge-offs | 1,335.4839% | 267 |
| Earnings coverage of net charge-offs (x) | 38.0323% | 1,094 |
| Efficiency ratio | 80.2843% | 1,984 |
| Assets per employee ($millions) | 3.7110% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 4,082 |
| Loan loss allowance to noncurrent loans | 158.8398% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 3,699 |
| Noncurrent loans to loans | 0.7937% | 3,708 |
| Net loans and leases to total assets | 75.8455% | 1,187 |
| Net loans and leases to deposits | 89.8728% | 1,383 |
| Net loans and leases to core deposits | 102.4995% | 1,104 |
| Total domestic deposits to total assets | 84.3921% | 3,781 |
| Equity capital to assets | 10.9930% | 2,885 |
| Core capital (leverage) ratio | 11.2527% | 2,191 |
| Tier 1 risk-based capital ratio | 16.4241% | 2,865 |
| Total risk-based capital ratio | 17.7831% | 2,778 |
| Memoranda: | ||
| Average total assets | $290,433,670 | 2,224 |
| Average earning assets | $272,628,670 | 2,190 |
| Average equity | $32,086,330 | 2,154 |
| Average total loans | $221,800,670 | 1,888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,523 |
| Cost of funding earning assets | 0.5891% | 2,074 |
| Net interest margin | 3.7099% | 2,826 |
| Noninterest income to average assets | 0.6100% | 2,676 |
| Noninterest expense to average assets | 3.3968% | 1,709 |
| Loan and lease loss provision to assets | 0.3524% | 502 |
| Net operating income to assets | 0.2223% | 5,737 |
| Return on assets (ROA) | 0.2368% | 5,745 |
| Pretax return on assets | 0.3649% | 5,557 |
| Return on Equity (ROE) | 2.1376% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.1376% | 4,749 |
| Net charge-offs to loans | 0.0256% | 3,058 |
| Credit loss provision to net charge-offs | 1,807.1429% | 187 |
| Earnings coverage of net charge-offs (x) | 35.6429% | 942 |
| Efficiency ratio | 83.0157% | 1,798 |
| Assets per employee ($millions) | 4.0041% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,560 |
| Loan loss allowance to noncurrent loans | 156.5940% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 3,933 |
| Noncurrent loans to loans | 0.7777% | 3,915 |
| Net loans and leases to total assets | 75.7876% | 1,026 |
| Net loans and leases to deposits | 90.1326% | 1,128 |
| Net loans and leases to core deposits | 103.2659% | 902 |
| Total domestic deposits to total assets | 84.0846% | 4,242 |
| Equity capital to assets | 10.9558% | 2,760 |
| Core capital (leverage) ratio | 11.4052% | 2,044 |
| Tier 1 risk-based capital ratio | 16.5001% | 2,895 |
| Total risk-based capital ratio | 17.8385% | 2,825 |
| Memoranda: | ||
| Average total assets | $287,210,000 | 2,253 |
| Average earning assets | $269,547,500 | 2,220 |
| Average equity | $31,811,500 | 2,166 |
| Average total loans | $218,678,000 | 1,906 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 2,436 |
| Cost of funding earning assets | 0.5902% | 2,755 |
| Net interest margin | 3.8488% | 2,471 |
| Noninterest income to average assets | 0.7152% | 2,457 |
| Noninterest expense to average assets | 3.4942% | 1,667 |
| Loan and lease loss provision to assets | 0.1527% | 2,371 |
| Net operating income to assets | 0.4476% | 4,965 |
| Return on assets (ROA) | 0.5065% | 4,833 |
| Pretax return on assets | 0.7607% | 4,296 |
| Return on Equity (ROE) | 4.3259% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.3259% | 3,102 |
| Net charge-offs to loans | 0.0131% | 5,193 |
| Credit loss provision to net charge-offs | 1,550.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 83.8077% | 535 |
| Efficiency ratio | 80.8910% | 2,035 |
| Assets per employee ($millions) | 3.9735% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 4,817 |
| Loan loss allowance to noncurrent loans | 114.8917% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 3,616 |
| Noncurrent loans to loans | 1.0178% | 3,475 |
| Net loans and leases to total assets | 74.6511% | 1,260 |
| Net loans and leases to deposits | 87.1948% | 1,555 |
| Net loans and leases to core deposits | 98.1672% | 1,293 |
| Total domestic deposits to total assets | 85.6142% | 3,451 |
| Equity capital to assets | 11.2006% | 2,427 |
| Core capital (leverage) ratio | 11.7278% | 1,806 |
| Tier 1 risk-based capital ratio | 17.3667% | 2,467 |
| Total risk-based capital ratio | 18.7163% | 2,405 |
| Memoranda: | ||
| Average total assets | $263,981,200 | 2,398 |
| Average earning assets | $247,221,400 | 2,356 |
| Average equity | $30,907,200 | 2,203 |
| Average total loans | $197,755,800 | 2,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 2,403 |
| Cost of funding earning assets | 0.5846% | 2,956 |
| Net interest margin | 3.8687% | 2,383 |
| Noninterest income to average assets | 0.7405% | 2,416 |
| Noninterest expense to average assets | 3.4421% | 1,735 |
| Loan and lease loss provision to assets | 0.1706% | 2,127 |
| Net operating income to assets | 0.4927% | 4,828 |
| Return on assets (ROA) | 0.5673% | 4,641 |
| Pretax return on assets | 0.8628% | 4,033 |
| Return on Equity (ROE) | 4.7893% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.7893% | 3,245 |
| Net charge-offs to loans | 0.0014% | 5,196 |
| Credit loss provision to net charge-offs | 16,600.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 894.3596% | 54 |
| Efficiency ratio | 78.9021% | 2,275 |
| Assets per employee ($millions) | 3.7920% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 4,955 |
| Loan loss allowance to noncurrent loans | 157.4372% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 4,324 |
| Noncurrent loans to loans | 0.7508% | 4,343 |
| Net loans and leases to total assets | 74.8690% | 1,147 |
| Net loans and leases to deposits | 87.7060% | 1,400 |
| Net loans and leases to core deposits | 98.1862% | 1,231 |
| Total domestic deposits to total assets | 85.3636% | 3,558 |
| Equity capital to assets | 11.2916% | 2,480 |
| Core capital (leverage) ratio | 12.0610% | 1,634 |
| Tier 1 risk-based capital ratio | 17.6305% | 2,470 |
| Total risk-based capital ratio | 18.9587% | 2,403 |
| Memoranda: | ||
| Average total assets | $259,446,750 | 2,460 |
| Average earning assets | $242,903,000 | 2,412 |
| Average equity | $30,734,250 | 2,234 |
| Average total loans | $193,920,500 | 2,061 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 2,173 |
| Cost of funding earning assets | 0.5867% | 3,065 |
| Net interest margin | 3.9213% | 2,143 |
| Noninterest income to average assets | 0.7383% | 2,463 |
| Noninterest expense to average assets | 3.4144% | 1,793 |
| Loan and lease loss provision to assets | 0.2613% | 1,419 |
| Net operating income to assets | 0.4895% | 4,844 |
| Return on assets (ROA) | 0.5978% | 4,479 |
| Pretax return on assets | 0.8952% | 3,926 |
| Return on Equity (ROE) | 4.9637% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.9637% | 3,078 |
| Net charge-offs to loans | 0.0053% | 4,794 |
| Credit loss provision to net charge-offs | 6,660.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 253.6000% | 206 |
| Efficiency ratio | 77.4377% | 2,556 |
| Assets per employee ($millions) | 4.0339% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,694 |
| Loan loss allowance to noncurrent loans | 134.8978% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 4,140 |
| Noncurrent loans to loans | 0.9342% | 4,056 |
| Net loans and leases to total assets | 72.9993% | 1,401 |
| Net loans and leases to deposits | 85.1220% | 1,669 |
| Net loans and leases to core deposits | 93.4897% | 1,567 |
| Total domestic deposits to total assets | 85.7584% | 3,499 |
| Equity capital to assets | 11.7618% | 2,080 |
| Core capital (leverage) ratio | 12.4006% | 1,410 |
| Tier 1 risk-based capital ratio | 18.7450% | 2,064 |
| Total risk-based capital ratio | 20.0792% | 2,000 |
| Memoranda: | ||
| Average total assets | $254,920,670 | 2,508 |
| Average earning assets | $238,643,000 | 2,460 |
| Average equity | $30,702,670 | 2,241 |
| Average total loans | $189,608,670 | 2,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 1,861 |
| Cost of funding earning assets | 0.5864% | 3,245 |
| Net interest margin | 4.0027% | 1,772 |
| Noninterest income to average assets | 0.6797% | 2,696 |
| Noninterest expense to average assets | 3.4543% | 1,716 |
| Loan and lease loss provision to assets | 0.3184% | 1,062 |
| Net operating income to assets | 0.4441% | 4,938 |
| Return on assets (ROA) | 0.6638% | 4,038 |
| Pretax return on assets | 0.9838% | 3,428 |
| Return on Equity (ROE) | 5.4449% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,981 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0014% | 2,609 |
| Assets per employee ($millions) | 4.2565% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,090 |
| Loan loss allowance to noncurrent loans | 84.9541% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 3,531 |
| Noncurrent loans to loans | 1.4365% | 3,412 |
| Net loans and leases to total assets | 73.3704% | 1,156 |
| Net loans and leases to deposits | 85.6086% | 1,402 |
| Net loans and leases to core deposits | 93.2898% | 1,396 |
| Total domestic deposits to total assets | 85.7046% | 3,676 |
| Equity capital to assets | 12.0589% | 2,002 |
| Core capital (leverage) ratio | 12.6609% | 1,270 |
| Tier 1 risk-based capital ratio | 18.4625% | 2,206 |
| Total risk-based capital ratio | 19.7352% | 2,164 |
| Memoranda: | ||
| Average total assets | $251,279,000 | 2,567 |
| Average earning assets | $235,338,500 | 2,517 |
| Average equity | $30,634,000 | 2,264 |
| Average total loans | $187,488,000 | 2,142 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 2,615 |
| Cost of funding earning assets | 0.6271% | 4,123 |
| Net interest margin | 4.0684% | 2,126 |
| Noninterest income to average assets | 1.0870% | 1,312 |
| Noninterest expense to average assets | 3.5004% | 1,812 |
| Loan and lease loss provision to assets | 0.2990% | 2,283 |
| Net operating income to assets | 0.7166% | 3,657 |
| Return on assets (ROA) | 0.7155% | 3,922 |
| Pretax return on assets | 1.0726% | 3,265 |
| Return on Equity (ROE) | 5.9070% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.9070% | 2,137 |
| Net charge-offs to loans | 0.2253% | 3,590 |
| Credit loss provision to net charge-offs | 183.3333% | 1,434 |
| Earnings coverage of net charge-offs (x) | 8.4192% | 2,418 |
| Efficiency ratio | 71.8222% | 3,450 |
| Assets per employee ($millions) | 3.9233% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,382 |
| Loan loss allowance to noncurrent loans | 45.6705% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.1993% | 2,233 |
| Noncurrent loans to loans | 2.4994% | 2,113 |
| Net loans and leases to total assets | 74.1056% | 1,179 |
| Net loans and leases to deposits | 87.0300% | 1,381 |
| Net loans and leases to core deposits | 93.3439% | 1,519 |
| Total domestic deposits to total assets | 85.1494% | 3,796 |
| Equity capital to assets | 12.3280% | 1,841 |
| Core capital (leverage) ratio | 12.6231% | 1,269 |
| Tier 1 risk-based capital ratio | 18.7287% | 2,040 |
| Total risk-based capital ratio | 19.9437% | 2,014 |
| Memoranda: | ||
| Average total assets | $242,775,600 | 2,605 |
| Average earning assets | $225,963,600 | 2,559 |
| Average equity | $29,405,800 | 2,287 |
| Average total loans | $175,773,600 | 2,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,738 |
| Cost of funding earning assets | 0.6400% | 4,280 |
| Net interest margin | 4.0753% | 2,194 |
| Noninterest income to average assets | 1.0675% | 1,324 |
| Noninterest expense to average assets | 3.4552% | 1,871 |
| Loan and lease loss provision to assets | 0.2764% | 2,364 |
| Net operating income to assets | 0.7409% | 3,733 |
| Return on assets (ROA) | 0.7442% | 3,968 |
| Pretax return on assets | 1.1276% | 3,243 |
| Return on Equity (ROE) | 6.1724% | 4,249 |
| Retained earnings to average equity (ytd only) | 6.1724% | 2,583 |
| Net charge-offs to loans | 0.2261% | 3,366 |
| Credit loss provision to net charge-offs | 170.4082% | 1,629 |
| Earnings coverage of net charge-offs (x) | 8.6259% | 2,419 |
| Efficiency ratio | 71.1785% | 3,475 |
| Assets per employee ($millions) | 4.1084% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,744 |
| Loan loss allowance to noncurrent loans | 83.1039% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 3,797 |
| Noncurrent loans to loans | 1.3159% | 3,840 |
| Net loans and leases to total assets | 73.0899% | 1,375 |
| Net loans and leases to deposits | 85.9783% | 1,602 |
| Net loans and leases to core deposits | 90.7914% | 1,896 |
| Total domestic deposits to total assets | 85.0097% | 3,737 |
| Equity capital to assets | 12.1689% | 2,134 |
| Core capital (leverage) ratio | 12.5926% | 1,366 |
| Tier 1 risk-based capital ratio | 18.8063% | 2,072 |
| Total risk-based capital ratio | 20.0559% | 2,038 |
| Memoranda: | ||
| Average total assets | $241,677,250 | 2,636 |
| Average earning assets | $224,564,500 | 2,594 |
| Average equity | $29,139,500 | 2,327 |
| Average total loans | $173,396,750 | 2,305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 2,907 |
| Cost of funding earning assets | 0.6575% | 4,382 |
| Net interest margin | 4.0437% | 2,322 |
| Noninterest income to average assets | 1.0439% | 1,334 |
| Noninterest expense to average assets | 3.4674% | 1,863 |
| Loan and lease loss provision to assets | 0.2291% | 2,785 |
| Net operating income to assets | 0.7215% | 3,744 |
| Return on assets (ROA) | 0.7265% | 3,998 |
| Pretax return on assets | 1.1005% | 3,301 |
| Return on Equity (ROE) | 6.0443% | 4,305 |
| Retained earnings to average equity (ytd only) | 6.0443% | 2,690 |
| Net charge-offs to loans | 0.2429% | 3,118 |
| Credit loss provision to net charge-offs | 132.8502% | 2,066 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,441 |
| Efficiency ratio | 72.3952% | 3,360 |
| Assets per employee ($millions) | 3.8774% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,974 |
| Loan loss allowance to noncurrent loans | 55.6624% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 3,198 |
| Noncurrent loans to loans | 1.8821% | 3,100 |
| Net loans and leases to total assets | 71.6515% | 1,616 |
| Net loans and leases to deposits | 84.5998% | 1,777 |
| Net loans and leases to core deposits | 87.3052% | 2,277 |
| Total domestic deposits to total assets | 84.6946% | 4,006 |
| Equity capital to assets | 12.0062% | 2,141 |
| Core capital (leverage) ratio | 12.4314% | 1,384 |
| Tier 1 risk-based capital ratio | 18.1865% | 2,234 |
| Total risk-based capital ratio | 19.3282% | 2,240 |
| Memoranda: | ||
| Average total assets | $240,067,670 | 2,656 |
| Average earning assets | $222,368,000 | 2,616 |
| Average equity | $28,853,670 | 2,338 |
| Average total loans | $170,474,670 | 2,341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 2,903 |
| Cost of funding earning assets | 0.6760% | 4,502 |
| Net interest margin | 4.0614% | 2,252 |
| Noninterest income to average assets | 0.9531% | 1,555 |
| Noninterest expense to average assets | 3.3501% | 2,146 |
| Loan and lease loss provision to assets | 0.2303% | 2,644 |
| Net operating income to assets | 0.7396% | 3,679 |
| Return on assets (ROA) | 0.7396% | 3,918 |
| Pretax return on assets | 1.1195% | 3,245 |
| Return on Equity (ROE) | 6.1503% | 4,212 |
| Retained earnings to average equity (ytd only) | 6.1503% | 2,870 |
| Net charge-offs to loans | 0.1196% | 3,393 |
| Credit loss provision to net charge-offs | 274.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 16.0600% | 1,385 |
| Efficiency ratio | 71.2804% | 3,573 |
| Assets per employee ($millions) | 3.8795% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,874 |
| Loan loss allowance to noncurrent loans | 56.0311% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.7137% | 3,288 |
| Noncurrent loans to loans | 1.9785% | 3,188 |
| Net loans and leases to total assets | 69.4283% | 1,853 |
| Net loans and leases to deposits | 81.6690% | 1,977 |
| Net loans and leases to core deposits | 84.3465% | 2,506 |
| Total domestic deposits to total assets | 85.0118% | 4,029 |
| Equity capital to assets | 12.0176% | 2,026 |
| Core capital (leverage) ratio | 12.6252% | 1,276 |
| Tier 1 risk-based capital ratio | 19.2337% | 1,924 |
| Total risk-based capital ratio | 20.4575% | 1,898 |
| Memoranda: | ||
| Average total assets | $237,964,500 | 2,693 |
| Average earning assets | $219,529,500 | 2,655 |
| Average equity | $28,616,500 | 2,351 |
| Average total loans | $167,272,500 | 2,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 2,963 |
| Cost of funding earning assets | 0.8049% | 4,831 |
| Net interest margin | 4.1760% | 2,134 |
| Noninterest income to average assets | 0.7339% | 2,425 |
| Noninterest expense to average assets | 3.4037% | 2,227 |
| Loan and lease loss provision to assets | 0.2064% | 4,122 |
| Net operating income to assets | 0.5932% | 4,037 |
| Return on assets (ROA) | 0.6193% | 4,089 |
| Pretax return on assets | 0.9652% | 3,371 |
| Return on Equity (ROE) | 5.1299% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.1299% | 2,550 |
| Net charge-offs to loans | 0.1833% | 4,680 |
| Credit loss provision to net charge-offs | 163.0508% | 1,681 |
| Earnings coverage of net charge-offs (x) | 8.9322% | 2,063 |
| Efficiency ratio | 75.0615% | 3,050 |
| Assets per employee ($millions) | 3.9233% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 5,894 |
| Loan loss allowance to noncurrent loans | 78.3582% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 4,158 |
| Noncurrent loans to loans | 1.3750% | 4,080 |
| Net loans and leases to total assets | 69.6231% | 2,107 |
| Net loans and leases to deposits | 82.1996% | 2,174 |
| Net loans and leases to core deposits | 84.4556% | 2,824 |
| Total domestic deposits to total assets | 84.7000% | 4,001 |
| Equity capital to assets | 12.0336% | 2,099 |
| Core capital (leverage) ratio | 12.1173% | 1,526 |
| Tier 1 risk-based capital ratio | 16.5944% | 2,778 |
| Total risk-based capital ratio | 17.6339% | 2,843 |
| Memoranda: | ||
| Average total assets | $233,008,200 | 2,695 |
| Average earning assets | $212,069,200 | 2,710 |
| Average equity | $28,129,200 | 2,327 |
| Average total loans | $160,962,600 | 2,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 3,175 |
| Cost of funding earning assets | 0.8369% | 4,882 |
| Net interest margin | 4.1455% | 2,288 |
| Noninterest income to average assets | 0.6282% | 3,006 |
| Noninterest expense to average assets | 3.4094% | 2,167 |
| Loan and lease loss provision to assets | 0.1474% | 4,604 |
| Net operating income to assets | 0.5390% | 4,368 |
| Return on assets (ROA) | 0.5559% | 4,468 |
| Pretax return on assets | 0.8657% | 3,893 |
| Return on Equity (ROE) | 4.6011% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.6011% | 3,447 |
| Net charge-offs to loans | 0.1669% | 4,455 |
| Credit loss provision to net charge-offs | 128.5000% | 2,483 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,151 |
| Efficiency ratio | 77.5545% | 2,601 |
| Assets per employee ($millions) | 3.9147% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,208 |
| Loan loss allowance to noncurrent loans | 52.7053% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5210% | 3,824 |
| Noncurrent loans to loans | 1.9208% | 3,471 |
| Net loans and leases to total assets | 67.8070% | 2,518 |
| Net loans and leases to deposits | 79.6369% | 2,697 |
| Net loans and leases to core deposits | 81.6336% | 3,384 |
| Total domestic deposits to total assets | 85.1451% | 3,700 |
| Equity capital to assets | 12.0408% | 2,216 |
| Core capital (leverage) ratio | 12.2142% | 1,586 |
| Tier 1 risk-based capital ratio | 16.2518% | 2,990 |
| Total risk-based capital ratio | 17.2036% | 3,098 |
| Memoranda: | ||
| Average total assets | $232,410,500 | 2,705 |
| Average earning assets | $211,242,000 | 2,720 |
| Average equity | $28,079,750 | 2,326 |
| Average total loans | $159,784,000 | 2,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,075 |
| Cost of funding earning assets | 0.8662% | 4,941 |
| Net interest margin | 4.1509% | 2,227 |
| Noninterest income to average assets | 0.6766% | 2,672 |
| Noninterest expense to average assets | 3.6190% | 1,702 |
| Loan and lease loss provision to assets | 0.1450% | 4,494 |
| Net operating income to assets | 0.4834% | 4,577 |
| Return on assets (ROA) | 0.4881% | 4,692 |
| Pretax return on assets | 0.7235% | 4,305 |
| Return on Equity (ROE) | 4.0351% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.0351% | 3,633 |
| Net charge-offs to loans | 0.1943% | 3,988 |
| Credit loss provision to net charge-offs | 108.4416% | 2,823 |
| Earnings coverage of net charge-offs (x) | 6.4416% | 2,394 |
| Efficiency ratio | 80.7715% | 2,266 |
| Assets per employee ($millions) | 3.7387% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,328 |
| Loan loss allowance to noncurrent loans | 62.5776% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 4,232 |
| Noncurrent loans to loans | 1.5999% | 3,998 |
| Net loans and leases to total assets | 68.7636% | 2,466 |
| Net loans and leases to deposits | 81.2435% | 2,567 |
| Net loans and leases to core deposits | 83.2149% | 3,335 |
| Total domestic deposits to total assets | 84.6389% | 4,057 |
| Equity capital to assets | 12.1920% | 1,970 |
| Core capital (leverage) ratio | 12.0992% | 1,556 |
| Tier 1 risk-based capital ratio | 16.2258% | 2,872 |
| Total risk-based capital ratio | 17.1666% | 2,994 |
| Memoranda: | ||
| Average total assets | $230,281,670 | 2,750 |
| Average earning assets | $211,040,670 | 2,747 |
| Average equity | $27,855,330 | 2,325 |
| Average total loans | $158,519,670 | 2,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 2,770 |
| Cost of funding earning assets | 0.8917% | 4,982 |
| Net interest margin | 4.1801% | 1,965 |
| Noninterest income to average assets | 0.6239% | 3,014 |
| Noninterest expense to average assets | 3.5482% | 1,879 |
| Loan and lease loss provision to assets | 0.2022% | 3,616 |
| Net operating income to assets | 0.4374% | 4,773 |
| Return on assets (ROA) | 0.4496% | 4,805 |
| Pretax return on assets | 0.7407% | 4,142 |
| Return on Equity (ROE) | 3.7320% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.7320% | 3,931 |
| Net charge-offs to loans | 0.3027% | 2,832 |
| Credit loss provision to net charge-offs | 97.4790% | 2,802 |
| Earnings coverage of net charge-offs (x) | 4.4538% | 2,476 |
| Efficiency ratio | 79.3453% | 2,640 |
| Assets per employee ($millions) | 3.7622% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,385 |
| Loan loss allowance to noncurrent loans | 61.4555% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 4,632 |
| Noncurrent loans to loans | 1.6347% | 4,028 |
| Net loans and leases to total assets | 68.5305% | 2,447 |
| Net loans and leases to deposits | 79.8135% | 2,749 |
| Net loans and leases to core deposits | 81.9605% | 3,461 |
| Total domestic deposits to total assets | 85.8633% | 3,602 |
| Equity capital to assets | 12.0979% | 1,860 |
| Core capital (leverage) ratio | 12.0633% | 1,527 |
| Tier 1 risk-based capital ratio | 16.3685% | 2,724 |
| Total risk-based capital ratio | 17.3196% | 2,851 |
| Memoranda: | ||
| Average total assets | $229,522,500 | 2,776 |
| Average earning assets | $211,289,000 | 2,766 |
| Average equity | $27,652,500 | 2,327 |
| Average total loans | $157,276,500 | 2,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 4,658 |
| Cost of funding earning assets | 1.0907% | 5,184 |
| Net interest margin | 3.8876% | 3,551 |
| Noninterest income to average assets | 0.7848% | 2,354 |
| Noninterest expense to average assets | 3.4029% | 2,432 |
| Loan and lease loss provision to assets | 0.3115% | 4,314 |
| Net operating income to assets | 0.4094% | 4,499 |
| Return on assets (ROA) | 0.4595% | 4,440 |
| Pretax return on assets | 0.7450% | 3,814 |
| Return on Equity (ROE) | 3.8608% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.8608% | 3,158 |
| Net charge-offs to loans | 0.1811% | 5,233 |
| Credit loss provision to net charge-offs | 262.7737% | 1,069 |
| Earnings coverage of net charge-offs (x) | 8.2518% | 1,993 |
| Efficiency ratio | 77.6713% | 2,765 |
| Assets per employee ($millions) | 3.8258% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,250 |
| Loan loss allowance to noncurrent loans | 47.0018% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 4,059 |
| Noncurrent loans to loans | 2.1852% | 3,329 |
| Net loans and leases to total assets | 67.1244% | 3,186 |
| Net loans and leases to deposits | 78.1177% | 3,494 |
| Net loans and leases to core deposits | 79.9365% | 4,231 |
| Total domestic deposits to total assets | 85.9272% | 3,398 |
| Equity capital to assets | 11.9978% | 1,913 |
| Core capital (leverage) ratio | 11.8098% | 1,664 |
| Tier 1 risk-based capital ratio | 16.1797% | 2,663 |
| Total risk-based capital ratio | 17.1287% | 2,765 |
| Memoranda: | ||
| Average total assets | $231,128,800 | 2,740 |
| Average earning assets | $213,806,800 | 2,703 |
| Average equity | $27,507,400 | 2,341 |
| Average total loans | $151,331,800 | 2,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 4,894 |
| Cost of funding earning assets | 1.1175% | 5,330 |
| Net interest margin | 3.8664% | 3,674 |
| Noninterest income to average assets | 0.7498% | 2,503 |
| Noninterest expense to average assets | 3.3591% | 2,404 |
| Loan and lease loss provision to assets | 0.2534% | 4,554 |
| Net operating income to assets | 0.4324% | 4,618 |
| Return on assets (ROA) | 0.4774% | 4,609 |
| Pretax return on assets | 0.7901% | 3,951 |
| Return on Equity (ROE) | 4.0195% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,648 |
| Net charge-offs to loans | 0.0790% | 5,735 |
| Credit loss provision to net charge-offs | 494.3820% | 595 |
| Earnings coverage of net charge-offs (x) | 18.9894% | 1,227 |
| Efficiency ratio | 77.5356% | 2,689 |
| Assets per employee ($millions) | 3.8495% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,501 |
| Loan loss allowance to noncurrent loans | 51.8263% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 4,527 |
| Noncurrent loans to loans | 1.8814% | 3,824 |
| Net loans and leases to total assets | 65.0463% | 3,901 |
| Net loans and leases to deposits | 75.7328% | 4,225 |
| Net loans and leases to core deposits | 77.5351% | 4,858 |
| Total domestic deposits to total assets | 85.8891% | 3,137 |
| Equity capital to assets | 11.9782% | 2,171 |
| Core capital (leverage) ratio | 11.8712% | 1,729 |
| Tier 1 risk-based capital ratio | 16.1574% | 2,692 |
| Total risk-based capital ratio | 17.0443% | 2,813 |
| Memoranda: | ||
| Average total assets | $231,523,500 | 2,764 |
| Average earning assets | $214,526,500 | 2,729 |
| Average equity | $27,499,000 | 2,378 |
| Average total loans | $150,244,000 | 2,808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 5,055 |
| Cost of funding earning assets | 1.1471% | 5,423 |
| Net interest margin | 3.8280% | 3,774 |
| Noninterest income to average assets | 0.7491% | 2,399 |
| Noninterest expense to average assets | 3.3078% | 2,540 |
| Loan and lease loss provision to assets | 0.1866% | 5,002 |
| Net operating income to assets | 0.4861% | 4,391 |
| Return on assets (ROA) | 0.4861% | 4,546 |
| Pretax return on assets | 0.8202% | 3,817 |
| Return on Equity (ROE) | 4.1041% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.1041% | 3,464 |
| Net charge-offs to loans | 0.1155% | 5,021 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 13.4884% | 1,585 |
| Efficiency ratio | 76.6647% | 2,958 |
| Assets per employee ($millions) | 3.6052% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,930 |
| Loan loss allowance to noncurrent loans | 47.9790% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 4,734 |
| Noncurrent loans to loans | 1.7571% | 4,049 |
| Net loans and leases to total assets | 64.3472% | 4,190 |
| Net loans and leases to deposits | 75.3347% | 4,451 |
| Net loans and leases to core deposits | 77.4470% | 5,031 |
| Total domestic deposits to total assets | 85.4151% | 3,411 |
| Equity capital to assets | 11.8696% | 2,169 |
| Core capital (leverage) ratio | 11.8706% | 1,721 |
| Tier 1 risk-based capital ratio | 16.4359% | 2,501 |
| Total risk-based capital ratio | 17.2106% | 2,653 |
| Memoranda: | ||
| Average total assets | $230,425,000 | 2,804 |
| Average earning assets | $214,627,000 | 2,754 |
| Average equity | $27,289,670 | 2,391 |
| Average total loans | $148,910,330 | 2,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9711% | 5,154 |
| Cost of funding earning assets | 1.2053% | 5,376 |
| Net interest margin | 3.7658% | 3,937 |
| Noninterest income to average assets | 0.7108% | 2,526 |
| Noninterest expense to average assets | 3.2985% | 2,536 |
| Loan and lease loss provision to assets | 0.1838% | 4,671 |
| Net operating income to assets | 0.4394% | 4,666 |
| Return on assets (ROA) | 0.4394% | 4,795 |
| Pretax return on assets | 0.7458% | 4,076 |
| Return on Equity (ROE) | 3.7148% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.7148% | 3,925 |
| Net charge-offs to loans | 0.1303% | 4,183 |
| Credit loss provision to net charge-offs | 218.7500% | 1,719 |
| Earnings coverage of net charge-offs (x) | 11.0625% | 1,682 |
| Efficiency ratio | 78.0124% | 2,894 |
| Assets per employee ($millions) | 3.6417% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 7,089 |
| Loan loss allowance to noncurrent loans | 44.1123% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 4,690 |
| Noncurrent loans to loans | 1.8481% | 3,989 |
| Net loans and leases to total assets | 65.1997% | 4,058 |
| Net loans and leases to deposits | 76.0956% | 4,394 |
| Net loans and leases to core deposits | 78.3110% | 4,988 |
| Total domestic deposits to total assets | 85.6813% | 3,329 |
| Equity capital to assets | 12.0405% | 2,020 |
| Core capital (leverage) ratio | 11.7827% | 1,761 |
| Tier 1 risk-based capital ratio | 16.8363% | 2,328 |
| Total risk-based capital ratio | 17.5969% | 2,471 |
| Memoranda: | ||
| Average total assets | $228,468,500 | 2,891 |
| Average earning assets | $213,395,500 | 2,825 |
| Average equity | $27,027,000 | 2,434 |
| Average total loans | $147,329,500 | 2,938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 5,449 |
| Cost of funding earning assets | 1.4885% | 5,557 |
| Net interest margin | 3.7537% | 3,897 |
| Noninterest income to average assets | 0.9375% | 1,798 |
| Noninterest expense to average assets | 3.6799% | 1,953 |
| Loan and lease loss provision to assets | 0.2059% | 5,699 |
| Net operating income to assets | 0.3450% | 4,346 |
| Return on assets (ROA) | 0.3450% | 4,441 |
| Pretax return on assets | 0.5616% | 4,015 |
| Return on Equity (ROE) | 3.0025% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.0025% | 3,063 |
| Net charge-offs to loans | 0.0264% | 6,878 |
| Credit loss provision to net charge-offs | 1,210.5263% | 252 |
| Earnings coverage of net charge-offs (x) | 45.1316% | 560 |
| Efficiency ratio | 82.7430% | 2,514 |
| Assets per employee ($millions) | 3.5023% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 7,167 |
| Loan loss allowance to noncurrent loans | 71.8380% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,714 |
| Noncurrent loans to loans | 1.0975% | 5,128 |
| Net loans and leases to total assets | 62.7660% | 4,855 |
| Net loans and leases to deposits | 74.9303% | 4,884 |
| Net loans and leases to core deposits | 91.3425% | 4,968 |
| Total domestic deposits to total assets | 83.7659% | 4,145 |
| Equity capital to assets | 11.6237% | 2,232 |
| Core capital (leverage) ratio | 11.8639% | 1,730 |
| Tier 1 risk-based capital ratio | 15.9982% | 2,524 |
| Total risk-based capital ratio | 16.6963% | 2,693 |
| Memoranda: | ||
| Average total assets | $223,459,800 | 2,898 |
| Average earning assets | $208,939,000 | 2,848 |
| Average equity | $25,678,200 | 2,549 |
| Average total loans | $144,003,200 | 3,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 5,428 |
| Cost of funding earning assets | 1.5458% | 5,654 |
| Net interest margin | 3.7535% | 3,848 |
| Noninterest income to average assets | 0.9371% | 1,830 |
| Noninterest expense to average assets | 3.6995% | 1,822 |
| Loan and lease loss provision to assets | 0.1806% | 5,558 |
| Net operating income to assets | 0.3376% | 4,646 |
| Return on assets (ROA) | 0.3376% | 4,747 |
| Pretax return on assets | 0.5657% | 4,312 |
| Return on Equity (ROE) | 2.9470% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.9470% | 3,678 |
| Net charge-offs to loans | 0.0307% | 6,461 |
| Credit loss provision to net charge-offs | 909.0909% | 409 |
| Earnings coverage of net charge-offs (x) | 37.5748% | 785 |
| Efficiency ratio | 83.2138% | 2,405 |
| Assets per employee ($millions) | 3.5733% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 7,385 |
| Loan loss allowance to noncurrent loans | 47.0977% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 5,013 |
| Noncurrent loans to loans | 1.4747% | 4,468 |
| Net loans and leases to total assets | 62.3970% | 5,176 |
| Net loans and leases to deposits | 74.8398% | 5,241 |
| Net loans and leases to core deposits | 91.5893% | 5,270 |
| Total domestic deposits to total assets | 83.3741% | 4,027 |
| Equity capital to assets | 11.4084% | 2,664 |
| Core capital (leverage) ratio | 11.9017% | 1,845 |
| Tier 1 risk-based capital ratio | 16.5443% | 2,408 |
| Total risk-based capital ratio | 17.1726% | 2,594 |
| Memoranda: | ||
| Average total assets | $221,537,500 | 2,941 |
| Average earning assets | $207,089,500 | 2,895 |
| Average equity | $25,380,750 | 2,594 |
| Average total loans | $143,445,000 | 3,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 4,816 |
| Cost of funding earning assets | 1.6120% | 5,700 |
| Net interest margin | 3.8530% | 3,330 |
| Noninterest income to average assets | 0.9290% | 1,849 |
| Noninterest expense to average assets | 3.8767% | 1,524 |
| Loan and lease loss provision to assets | 0.2373% | 4,688 |
| Net operating income to assets | 0.2336% | 5,149 |
| Return on assets (ROA) | 0.2336% | 5,233 |
| Pretax return on assets | 0.4207% | 4,875 |
| Return on Equity (ROE) | 2.0362% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.0362% | 4,210 |
| Net charge-offs to loans | 0.0335% | 5,990 |
| Credit loss provision to net charge-offs | 1,083.3333% | 454 |
| Earnings coverage of net charge-offs (x) | 30.0417% | 996 |
| Efficiency ratio | 85.4900% | 2,291 |
| Assets per employee ($millions) | 3.4843% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 7,462 |
| Loan loss allowance to noncurrent loans | 67.6224% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 5,512 |
| Noncurrent loans to loans | 1.0067% | 5,192 |
| Net loans and leases to total assets | 63.2669% | 5,129 |
| Net loans and leases to deposits | 76.2779% | 5,124 |
| Net loans and leases to core deposits | 93.4795% | 5,178 |
| Total domestic deposits to total assets | 82.9427% | 4,267 |
| Equity capital to assets | 11.4092% | 2,595 |
| Core capital (leverage) ratio | 12.1986% | 1,749 |
| Tier 1 risk-based capital ratio | 19.5377% | 1,670 |
| Total risk-based capital ratio | 20.2469% | 1,732 |
| Memoranda: | ||
| Average total assets | $219,152,670 | 2,990 |
| Average earning assets | $205,088,000 | 2,935 |
| Average equity | $25,144,330 | 2,626 |
| Average total loans | $143,361,670 | 3,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6568% | 4,015 |
| Cost of funding earning assets | 1.6886% | 5,643 |
| Net interest margin | 3.9682% | 2,781 |
| Noninterest income to average assets | 0.9814% | 1,539 |
| Noninterest expense to average assets | 3.7858% | 1,496 |
| Loan and lease loss provision to assets | 0.1105% | 5,550 |
| Net operating income to assets | 0.4511% | 4,648 |
| Return on assets (ROA) | 0.4511% | 4,821 |
| Pretax return on assets | 0.7936% | 4,097 |
| Return on Equity (ROE) | 3.9207% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.9207% | 3,711 |
| Net charge-offs to loans | 0.0139% | 5,400 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 98.2000% | 438 |
| Efficiency ratio | 80.7224% | 2,704 |
| Assets per employee ($millions) | 3.3970% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 7,757 |
| Loan loss allowance to noncurrent loans | 59.8024% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 5,691 |
| Noncurrent loans to loans | 0.9152% | 5,172 |
| Net loans and leases to total assets | 64.7694% | 4,851 |
| Net loans and leases to deposits | 78.1942% | 4,894 |
| Net loans and leases to core deposits | 96.6043% | 4,889 |
| Total domestic deposits to total assets | 82.8315% | 4,228 |
| Equity capital to assets | 11.4146% | 2,645 |
| Core capital (leverage) ratio | 12.3858% | 1,728 |
| Tier 1 risk-based capital ratio | 17.6313% | 2,146 |
| Total risk-based capital ratio | 18.1512% | 2,301 |
| Memoranda: | ||
| Average total assets | $217,231,500 | 3,029 |
| Average earning assets | $203,011,500 | 2,978 |
| Average equity | $24,995,500 | 2,649 |
| Average total loans | $144,018,000 | 3,108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 6,274 |
| Cost of funding earning assets | 1.8692% | 6,828 |
| Net interest margin | 3.9763% | 3,231 |
| Noninterest income to average assets | 0.7116% | 3,041 |
| Noninterest expense to average assets | 3.4293% | 2,582 |
| Loan and lease loss provision to assets | 0.0811% | 6,378 |
| Net operating income to assets | 0.4957% | 4,756 |
| Return on assets (ROA) | 0.4957% | 4,594 |
| Pretax return on assets | 0.9256% | 3,638 |
| Return on Equity (ROE) | 3.9718% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.9718% | 2,661 |
| Net charge-offs to loans | 0.0334% | 6,354 |
| Credit loss provision to net charge-offs | 351.0638% | 1,285 |
| Earnings coverage of net charge-offs (x) | 43.5532% | 847 |
| Efficiency ratio | 77.3060% | 3,035 |
| Assets per employee ($millions) | 3.3384% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 7,842 |
| Loan loss allowance to noncurrent loans | 54.7904% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 5,326 |
| Noncurrent loans to loans | 0.9263% | 4,768 |
| Net loans and leases to total assets | 67.1648% | 4,605 |
| Net loans and leases to deposits | 81.4849% | 4,797 |
| Net loans and leases to core deposits | 100.9944% | 4,723 |
| Total domestic deposits to total assets | 82.4261% | 4,032 |
| Equity capital to assets | 11.6013% | 2,571 |
| Core capital (leverage) ratio | 12.6309% | 1,698 |
| Tier 1 risk-based capital ratio | 18.2820% | 1,965 |
| Total risk-based capital ratio | 18.7860% | 2,105 |
| Memoranda: | ||
| Average total assets | $203,336,800 | 3,099 |
| Average earning assets | $190,455,400 | 3,033 |
| Average equity | $25,379,200 | 2,614 |
| Average total loans | $140,906,800 | 3,077 |