Home > Saco & Biddeford Savings Institution > Performance and Condition Ratios
Saco & Biddeford Savings Institution, 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 | 4.1391% | 3,742 |
| Cost of funding earning assets | 2.1137% | 754 |
| Net interest margin | 2.0254% | 4,404 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.5853% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0182% | 4,315 |
| Return on assets (ROA) | 0.0465% | 4,319 |
| Pretax return on assets | 0.0423% | 4,317 |
| Return on Equity (ROE) | 0.5100% | 4,303 |
| Retained earnings to average equity (ytd only) | 0.5141% | 3,955 |
| Net charge-offs to loans | 0.0013% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 12.8462% | 2,127 |
| Efficiency ratio | 99.5158% | 196 |
| Assets per employee ($millions) | 6.7357% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 4,374 |
| Loan loss allowance to noncurrent loans | 265.8343% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,683 |
| Noncurrent loans to loans | 0.1614% | 2,712 |
| Net loans and leases to total assets | 78.7200% | 795 |
| Net loans and leases to deposits | 112.8154% | 146 |
| Net loans and leases to core deposits | 154.3407% | 182 |
| Total domestic deposits to total assets | 69.7800% | 4,296 |
| Equity capital to assets | 8.8830% | 2,760 |
| Core capital (leverage) ratio | 10.2132% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,327,622,600 | 790 |
| Average earning assets | $1,256,839,800 | 763 |
| Average equity | $120,024,400 | 825 |
| Average total loans | $1,035,207,000 | 708 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,737 |
| Cost of funding earning assets | 1.9968% | 711 |
| Net interest margin | 2.0621% | 4,422 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.5653% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0570% | 4,346 |
| Return on assets (ROA) | 0.0417% | 4,375 |
| Pretax return on assets | 0.0305% | 4,371 |
| Return on Equity (ROE) | 0.4600% | 4,357 |
| Retained earnings to average equity (ytd only) | 0.4591% | 4,048 |
| Net charge-offs to loans | 0.0021% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,653 |
| Efficiency ratio | 98.3204% | 196 |
| Assets per employee ($millions) | 6.5239% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4441% | 4,380 |
| Loan loss allowance to noncurrent loans | 96.1981% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,587 |
| Noncurrent loans to loans | 0.4617% | 1,666 |
| Net loans and leases to total assets | 78.0800% | 870 |
| Net loans and leases to deposits | 109.0195% | 220 |
| Net loans and leases to core deposits | 143.0450% | 192 |
| Total domestic deposits to total assets | 71.6200% | 4,267 |
| Equity capital to assets | 8.4856% | 2,735 |
| Core capital (leverage) ratio | 10.4086% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,314,321,750 | 799 |
| Average earning assets | $1,244,051,000 | 771 |
| Average equity | $119,365,750 | 821 |
| Average total loans | $1,021,089,250 | 713 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,733 |
| Cost of funding earning assets | 1.8923% | 618 |
| Net interest margin | 2.0864% | 4,462 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.5414% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0720% | 4,379 |
| Return on assets (ROA) | 0.0966% | 4,399 |
| Pretax return on assets | 0.1050% | 4,390 |
| Return on Equity (ROE) | 1.0400% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.0401% | 3,903 |
| Net charge-offs to loans | -0.0032% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.0094% | 209 |
| Assets per employee ($millions) | 6.4097% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4543% | 4,412 |
| Loan loss allowance to noncurrent loans | 106.7029% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 1,597 |
| Noncurrent loans to loans | 0.4258% | 1,662 |
| Net loans and leases to total assets | 77.4400% | 894 |
| Net loans and leases to deposits | 108.6009% | 232 |
| Net loans and leases to core deposits | 140.8999% | 208 |
| Total domestic deposits to total assets | 71.3000% | 4,318 |
| Equity capital to assets | 9.0936% | 2,445 |
| Core capital (leverage) ratio | 10.6120% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,304,454,667 | 792 |
| Average earning assets | $1,235,219,333 | 766 |
| Average equity | $121,141,000 | 804 |
| Average total loans | $1,010,134,667 | 704 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 3,711 |
| Cost of funding earning assets | 1.7127% | 558 |
| Net interest margin | 2.1682% | 4,508 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.5732% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1176% | 4,420 |
| Return on assets (ROA) | 0.0853% | 4,417 |
| Pretax return on assets | 0.0946% | 4,408 |
| Return on Equity (ROE) | 0.9100% | 4,389 |
| Retained earnings to average equity (ytd only) | 0.9084% | 3,881 |
| Net charge-offs to loans | -0.0052% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.1720% | 231 |
| Assets per employee ($millions) | 6.3600% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 4,461 |
| Loan loss allowance to noncurrent loans | 187.9090% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,181 |
| Noncurrent loans to loans | 0.2483% | 2,259 |
| Net loans and leases to total assets | 77.0400% | 872 |
| Net loans and leases to deposits | 100.6909% | 419 |
| Net loans and leases to core deposits | 135.4499% | 224 |
| Total domestic deposits to total assets | 76.5200% | 4,125 |
| Equity capital to assets | 9.3699% | 2,244 |
| Core capital (leverage) ratio | 10.8949% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,290,078,000 | 816 |
| Average earning assets | $1,223,112,000 | 785 |
| Average equity | $121,093,500 | 814 |
| Average total loans | $996,653,500 | 723 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 2,787 |
| Cost of funding earning assets | 0.9116% | 240 |
| Net interest margin | 2.6949% | 4,060 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.6396% | 1,703 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.5237% | 4,048 |
| Return on assets (ROA) | 0.4174% | 4,187 |
| Pretax return on assets | 0.5097% | 4,161 |
| Return on Equity (ROE) | 4.1100% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.1139% | 3,361 |
| Net charge-offs to loans | -0.0254% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.1846% | 641 |
| Assets per employee ($millions) | 6.4790% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 4,433 |
| Loan loss allowance to noncurrent loans | 201.8137% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,228 |
| Noncurrent loans to loans | 0.2465% | 2,292 |
| Net loans and leases to total assets | 76.7200% | 930 |
| Net loans and leases to deposits | 97.1805% | 578 |
| Net loans and leases to core deposits | 125.9224% | 280 |
| Total domestic deposits to total assets | 78.9400% | 4,010 |
| Equity capital to assets | 9.4035% | 2,077 |
| Core capital (leverage) ratio | 11.0304% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,213,569,400 | 850 |
| Average earning assets | $1,152,204,200 | 823 |
| Average equity | $123,142,000 | 794 |
| Average total loans | $943,318,800 | 723 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 2,502 |
| Cost of funding earning assets | 0.7470% | 204 |
| Net interest margin | 2.7892% | 3,758 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.5693% | 1,796 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.6699% | 3,646 |
| Return on assets (ROA) | 0.3595% | 4,256 |
| Pretax return on assets | 0.4341% | 4,230 |
| Return on Equity (ROE) | 3.4800% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.4752% | 3,636 |
| Net charge-offs to loans | -0.0339% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.9228% | 1,004 |
| Assets per employee ($millions) | 6.4411% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5130% | 4,462 |
| Loan loss allowance to noncurrent loans | 230.2588% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,434 |
| Noncurrent loans to loans | 0.2228% | 2,500 |
| Net loans and leases to total assets | 75.9500% | 917 |
| Net loans and leases to deposits | 93.4362% | 669 |
| Net loans and leases to core deposits | 117.7166% | 301 |
| Total domestic deposits to total assets | 81.2800% | 3,934 |
| Equity capital to assets | 9.2025% | 2,078 |
| Core capital (leverage) ratio | 11.0518% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,197,871,250 | 861 |
| Average earning assets | $1,137,901,500 | 835 |
| Average equity | $123,921,750 | 801 |
| Average total loans | $933,122,500 | 728 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 2,444 |
| Cost of funding earning assets | 0.5957% | 281 |
| Net interest margin | 2.8012% | 3,444 |
| Noninterest income to average assets | 0.6810% | 1,428 |
| Noninterest expense to average assets | 2.6125% | 1,601 |
| Loan and lease loss provision to assets | -0.0127% | 4,410 |
| Net operating income to assets | 0.6270% | 3,550 |
| Return on assets (ROA) | 0.3024% | 4,232 |
| Pretax return on assets | 0.3617% | 4,211 |
| Return on Equity (ROE) | 2.8133% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.8133% | 3,507 |
| Net charge-offs to loans | 0.0028% | 1,976 |
| Credit loss provision to net charge-offs | -576.9231% | 3,414 |
| Earnings coverage of net charge-offs (x) | 333.9231% | 370 |
| Efficiency ratio | 78.0347% | 1,079 |
| Assets per employee ($millions) | 6.2591% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 4,535 |
| Loan loss allowance to noncurrent loans | 164.5854% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,114 |
| Noncurrent loans to loans | 0.3162% | 2,208 |
| Net loans and leases to total assets | 76.3907% | 690 |
| Net loans and leases to deposits | 100.4154% | 260 |
| Net loans and leases to core deposits | 122.2081% | 177 |
| Total domestic deposits to total assets | 76.0746% | 4,456 |
| Equity capital to assets | 9.9390% | 1,743 |
| Core capital (leverage) ratio | 11.5474% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,180,634,000 | 867 |
| Average earning assets | $1,124,011,333 | 848 |
| Average equity | $126,898,000 | 792 |
| Average total loans | $926,199,667 | 717 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 2,322 |
| Cost of funding earning assets | 0.5733% | 310 |
| Net interest margin | 2.7469% | 3,290 |
| Noninterest income to average assets | 0.7160% | 1,261 |
| Noninterest expense to average assets | 2.6756% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5404% | 3,595 |
| Return on assets (ROA) | 0.3984% | 3,921 |
| Pretax return on assets | 0.4883% | 3,887 |
| Return on Equity (ROE) | 3.5646% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.5646% | 3,091 |
| Net charge-offs to loans | -0.0030% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1802% | 1,139 |
| Assets per employee ($millions) | 5.8510% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 4,547 |
| Loan loss allowance to noncurrent loans | 138.6900% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,875 |
| Noncurrent loans to loans | 0.3925% | 2,080 |
| Net loans and leases to total assets | 78.8105% | 312 |
| Net loans and leases to deposits | 101.5501% | 149 |
| Net loans and leases to core deposits | 117.7797% | 163 |
| Total domestic deposits to total assets | 77.6075% | 4,431 |
| Equity capital to assets | 10.9437% | 1,356 |
| Core capital (leverage) ratio | 11.9227% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,157,560,000 | 880 |
| Average earning assets | $1,104,532,000 | 863 |
| Average equity | $129,382,000 | 795 |
| Average total loans | $918,274,500 | 715 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4055% | 2,917 |
| Cost of funding earning assets | 0.7307% | 277 |
| Net interest margin | 2.6748% | 3,921 |
| Noninterest income to average assets | 0.7527% | 1,588 |
| Noninterest expense to average assets | 2.7396% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4584% | 4,169 |
| Return on assets (ROA) | 0.6934% | 3,700 |
| Pretax return on assets | 0.8599% | 3,595 |
| Return on Equity (ROE) | 6.2592% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.2592% | 2,245 |
| Net charge-offs to loans | -0.0039% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4862% | 722 |
| Assets per employee ($millions) | 6.0241% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5434% | 4,589 |
| Loan loss allowance to noncurrent loans | 196.1871% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,461 |
| Noncurrent loans to loans | 0.2770% | 2,610 |
| Net loans and leases to total assets | 78.9837% | 321 |
| Net loans and leases to deposits | 102.0683% | 163 |
| Net loans and leases to core deposits | 116.7799% | 193 |
| Total domestic deposits to total assets | 77.3832% | 4,445 |
| Equity capital to assets | 11.4109% | 1,550 |
| Core capital (leverage) ratio | 11.7458% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,141,032,800 | 867 |
| Average earning assets | $1,090,665,200 | 843 |
| Average equity | $126,406,400 | 822 |
| Average total loans | $907,242,200 | 722 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4125% | 3,065 |
| Cost of funding earning assets | 0.7618% | 297 |
| Net interest margin | 2.6507% | 4,057 |
| Noninterest income to average assets | 0.7525% | 1,665 |
| Noninterest expense to average assets | 2.6785% | 1,646 |
| Loan and lease loss provision to assets | 0.0041% | 2,891 |
| Net operating income to assets | 0.4857% | 4,234 |
| Return on assets (ROA) | 0.6523% | 3,949 |
| Pretax return on assets | 0.8106% | 3,871 |
| Return on Equity (ROE) | 5.9331% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.9331% | 2,852 |
| Net charge-offs to loans | -0.0043% | 3,387 |
| Credit loss provision to net charge-offs | -120.6897% | 3,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2256% | 729 |
| Assets per employee ($millions) | 5.8899% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 4,677 |
| Loan loss allowance to noncurrent loans | 116.8801% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 1,984 |
| Noncurrent loans to loans | 0.4629% | 2,169 |
| Net loans and leases to total assets | 78.3455% | 379 |
| Net loans and leases to deposits | 102.1118% | 188 |
| Net loans and leases to core deposits | 117.3631% | 212 |
| Total domestic deposits to total assets | 76.7252% | 4,507 |
| Equity capital to assets | 10.8081% | 2,158 |
| Core capital (leverage) ratio | 11.4558% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,137,136,000 | 879 |
| Average earning assets | $1,086,381,250 | 856 |
| Average equity | $125,012,750 | 841 |
| Average total loans | $904,419,750 | 736 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 3,201 |
| Cost of funding earning assets | 0.7988% | 296 |
| Net interest margin | 2.5944% | 4,178 |
| Noninterest income to average assets | 0.7674% | 1,625 |
| Noninterest expense to average assets | 2.6666% | 1,673 |
| Loan and lease loss provision to assets | 0.0062% | 2,778 |
| Net operating income to assets | 0.4582% | 4,290 |
| Return on assets (ROA) | 0.7231% | 3,769 |
| Pretax return on assets | 0.8966% | 3,670 |
| Return on Equity (ROE) | 6.5387% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.5387% | 2,609 |
| Net charge-offs to loans | -0.0040% | 3,363 |
| Credit loss provision to net charge-offs | -194.4444% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8949% | 732 |
| Assets per employee ($millions) | 5.9566% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 4,708 |
| Loan loss allowance to noncurrent loans | 109.7743% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 2,014 |
| Noncurrent loans to loans | 0.4951% | 2,197 |
| Net loans and leases to total assets | 79.7282% | 332 |
| Net loans and leases to deposits | 105.2558% | 169 |
| Net loans and leases to core deposits | 124.0212% | 174 |
| Total domestic deposits to total assets | 75.7471% | 4,575 |
| Equity capital to assets | 10.9794% | 1,990 |
| Core capital (leverage) ratio | 11.6768% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,123,519,333 | 879 |
| Average earning assets | $1,071,862,333 | 855 |
| Average equity | $124,244,333 | 845 |
| Average total loans | $896,586,667 | 744 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 3,034 |
| Cost of funding earning assets | 0.8526% | 278 |
| Net interest margin | 2.6107% | 4,128 |
| Noninterest income to average assets | 0.8004% | 1,582 |
| Noninterest expense to average assets | 2.6428% | 1,762 |
| Loan and lease loss provision to assets | 0.0126% | 2,616 |
| Net operating income to assets | 0.5102% | 4,156 |
| Return on assets (ROA) | 0.7629% | 3,608 |
| Pretax return on assets | 0.9502% | 3,493 |
| Return on Equity (ROE) | 6.8735% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.8735% | 2,618 |
| Net charge-offs to loans | -0.0050% | 3,391 |
| Credit loss provision to net charge-offs | -318.1818% | 3,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9883% | 892 |
| Assets per employee ($millions) | 5.7784% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 4,723 |
| Loan loss allowance to noncurrent loans | 88.2945% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 1,864 |
| Noncurrent loans to loans | 0.6402% | 1,971 |
| Net loans and leases to total assets | 78.8816% | 407 |
| Net loans and leases to deposits | 106.1942% | 167 |
| Net loans and leases to core deposits | 125.4276% | 189 |
| Total domestic deposits to total assets | 74.2806% | 4,657 |
| Equity capital to assets | 11.1046% | 1,784 |
| Core capital (leverage) ratio | 11.7786% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,110,470,000 | 881 |
| Average earning assets | $1,058,893,000 | 857 |
| Average equity | $123,256,000 | 841 |
| Average total loans | $884,090,500 | 746 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 3,016 |
| Cost of funding earning assets | 1.1712% | 308 |
| Net interest margin | 2.7318% | 4,341 |
| Noninterest income to average assets | 0.7766% | 1,604 |
| Noninterest expense to average assets | 2.7197% | 2,176 |
| Loan and lease loss provision to assets | 0.0465% | 3,815 |
| Net operating income to assets | 0.4985% | 4,032 |
| Return on assets (ROA) | 0.5551% | 3,991 |
| Pretax return on assets | 0.6785% | 3,930 |
| Return on Equity (ROE) | 4.9779% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.9779% | 2,279 |
| Net charge-offs to loans | 0.0167% | 2,759 |
| Credit loss provision to net charge-offs | 347.2222% | 1,589 |
| Earnings coverage of net charge-offs (x) | 48.9375% | 1,222 |
| Efficiency ratio | 79.2169% | 939 |
| Assets per employee ($millions) | 5.7890% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 4,748 |
| Loan loss allowance to noncurrent loans | 152.9158% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 2,821 |
| Noncurrent loans to loans | 0.3669% | 2,884 |
| Net loans and leases to total assets | 79.4523% | 463 |
| Net loans and leases to deposits | 107.6309% | 203 |
| Net loans and leases to core deposits | 129.8175% | 203 |
| Total domestic deposits to total assets | 73.8193% | 4,645 |
| Equity capital to assets | 11.0942% | 2,180 |
| Core capital (leverage) ratio | 11.4538% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,074,320,400 | 821 |
| Average earning assets | $1,022,118,600 | 804 |
| Average equity | $119,809,000 | 822 |
| Average total loans | $860,516,200 | 743 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,103 |
| Cost of funding earning assets | 1.2342% | 325 |
| Net interest margin | 2.7192% | 4,447 |
| Noninterest income to average assets | 0.7137% | 1,754 |
| Noninterest expense to average assets | 2.6698% | 2,343 |
| Loan and lease loss provision to assets | 0.0475% | 3,767 |
| Net operating income to assets | 0.4830% | 4,079 |
| Return on assets (ROA) | 0.4008% | 4,327 |
| Pretax return on assets | 0.4827% | 4,312 |
| Return on Equity (ROE) | 3.5892% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.5892% | 3,262 |
| Net charge-offs to loans | 0.0409% | 2,044 |
| Credit loss provision to net charge-offs | 145.0382% | 2,355 |
| Earnings coverage of net charge-offs (x) | 19.2099% | 1,942 |
| Efficiency ratio | 79.5324% | 901 |
| Assets per employee ($millions) | 5.7033% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5437% | 4,778 |
| Loan loss allowance to noncurrent loans | 152.1445% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,375 |
| Noncurrent loans to loans | 0.3574% | 3,010 |
| Net loans and leases to total assets | 78.3982% | 784 |
| Net loans and leases to deposits | 107.6338% | 278 |
| Net loans and leases to core deposits | 131.5051% | 224 |
| Total domestic deposits to total assets | 72.8379% | 4,650 |
| Equity capital to assets | 11.0262% | 2,380 |
| Core capital (leverage) ratio | 11.3429% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,066,475,000 | 814 |
| Average earning assets | $1,013,965,250 | 797 |
| Average equity | $119,094,000 | 823 |
| Average total loans | $854,779,750 | 741 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,201 |
| Cost of funding earning assets | 1.3012% | 360 |
| Net interest margin | 2.7467% | 4,512 |
| Noninterest income to average assets | 0.6929% | 1,764 |
| Noninterest expense to average assets | 2.6945% | 2,399 |
| Loan and lease loss provision to assets | 0.0550% | 3,613 |
| Net operating income to assets | 0.4843% | 4,057 |
| Return on assets (ROA) | 0.2610% | 4,527 |
| Pretax return on assets | 0.2989% | 4,541 |
| Return on Equity (ROE) | 2.3273% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.3273% | 3,630 |
| Net charge-offs to loans | 0.0854% | 1,396 |
| Credit loss provision to net charge-offs | 79.8898% | 2,508 |
| Earnings coverage of net charge-offs (x) | 8.8733% | 2,258 |
| Efficiency ratio | 80.1204% | 887 |
| Assets per employee ($millions) | 5.5246% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5280% | 4,807 |
| Loan loss allowance to noncurrent loans | 88.2800% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 2,396 |
| Noncurrent loans to loans | 0.5981% | 2,355 |
| Net loans and leases to total assets | 78.3670% | 808 |
| Net loans and leases to deposits | 109.0551% | 251 |
| Net loans and leases to core deposits | 135.2320% | 205 |
| Total domestic deposits to total assets | 71.8600% | 4,715 |
| Equity capital to assets | 10.9684% | 2,373 |
| Core capital (leverage) ratio | 11.4453% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,055,052,000 | 808 |
| Average earning assets | $1,003,369,333 | 783 |
| Average equity | $118,335,333 | 819 |
| Average total loans | $850,479,000 | 735 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,365 |
| Cost of funding earning assets | 1.3982% | 400 |
| Net interest margin | 2.7567% | 4,614 |
| Noninterest income to average assets | 0.7438% | 1,479 |
| Noninterest expense to average assets | 2.8320% | 2,332 |
| Loan and lease loss provision to assets | 0.0404% | 3,265 |
| Net operating income to assets | 0.4244% | 4,079 |
| Return on assets (ROA) | -0.4468% | 4,895 |
| Pretax return on assets | -0.6106% | 4,904 |
| Return on Equity (ROE) | -3.9384% | 4,896 |
| Retained earnings to average equity (ytd only) | -3.9384% | 4,431 |
| Net charge-offs to loans | 0.2352% | 607 |
| Credit loss provision to net charge-offs | 21.0843% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.7771% | 2,257 |
| Efficiency ratio | 82.7590% | 915 |
| Assets per employee ($millions) | 5.2259% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 4,876 |
| Loan loss allowance to noncurrent loans | 69.5437% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 2,262 |
| Noncurrent loans to loans | 0.7141% | 2,212 |
| Net loans and leases to total assets | 80.6271% | 615 |
| Net loans and leases to deposits | 118.1059% | 97 |
| Net loans and leases to core deposits | 148.0741% | 124 |
| Total domestic deposits to total assets | 68.2668% | 4,916 |
| Equity capital to assets | 11.1785% | 2,702 |
| Core capital (leverage) ratio | 11.6828% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,038,403,500 | 796 |
| Average earning assets | $987,280,500 | 766 |
| Average equity | $117,815,500 | 815 |
| Average total loans | $847,001,500 | 710 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 3,474 |
| Cost of funding earning assets | 1.5309% | 363 |
| Net interest margin | 2.7924% | 4,764 |
| Noninterest income to average assets | 0.7447% | 1,647 |
| Noninterest expense to average assets | 2.7909% | 2,634 |
| Loan and lease loss provision to assets | 0.0064% | 3,877 |
| Net operating income to assets | 0.4811% | 4,447 |
| Return on assets (ROA) | 0.6910% | 3,960 |
| Pretax return on assets | 0.8463% | 3,888 |
| Return on Equity (ROE) | 6.0790% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.0790% | 1,824 |
| Net charge-offs to loans | 0.0001% | 3,725 |
| Credit loss provision to net charge-offs | 6,500.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 6,072.0000% | 5 |
| Efficiency ratio | 80.9654% | 868 |
| Assets per employee ($millions) | 5.0079% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 4,834 |
| Loan loss allowance to noncurrent loans | 63.5710% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 1,845 |
| Noncurrent loans to loans | 0.8542% | 1,803 |
| Net loans and leases to total assets | 81.6669% | 589 |
| Net loans and leases to deposits | 118.6738% | 87 |
| Net loans and leases to core deposits | 149.7219% | 117 |
| Total domestic deposits to total assets | 68.8163% | 4,975 |
| Equity capital to assets | 11.5153% | 2,519 |
| Core capital (leverage) ratio | 11.7474% | 1,924 |
| Tier 1 risk-based capital ratio | 17.7946% | 1,812 |
| Total risk-based capital ratio | 18.5100% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,017,653,600 | 770 |
| Average earning assets | $963,196,800 | 750 |
| Average equity | $115,677,800 | 787 |
| Average total loans | $838,099,200 | 689 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 3,523 |
| Cost of funding earning assets | 1.5449% | 356 |
| Net interest margin | 2.8008% | 4,862 |
| Noninterest income to average assets | 0.7506% | 1,594 |
| Noninterest expense to average assets | 2.7343% | 2,770 |
| Loan and lease loss provision to assets | 0.0026% | 3,809 |
| Net operating income to assets | 0.5313% | 4,449 |
| Return on assets (ROA) | 0.7304% | 3,978 |
| Pretax return on assets | 0.9073% | 3,854 |
| Return on Equity (ROE) | 6.4473% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.4473% | 2,145 |
| Net charge-offs to loans | 0.0024% | 3,349 |
| Credit loss provision to net charge-offs | 133.3333% | 1,789 |
| Earnings coverage of net charge-offs (x) | 336.7250% | 291 |
| Efficiency ratio | 79.0359% | 1,011 |
| Assets per employee ($millions) | 4.9117% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5368% | 4,918 |
| Loan loss allowance to noncurrent loans | 53.1235% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 1,665 |
| Noncurrent loans to loans | 1.0104% | 1,582 |
| Net loans and leases to total assets | 81.5758% | 620 |
| Net loans and leases to deposits | 120.9369% | 86 |
| Net loans and leases to core deposits | 150.0218% | 125 |
| Total domestic deposits to total assets | 67.4533% | 5,070 |
| Equity capital to assets | 11.4529% | 2,696 |
| Core capital (leverage) ratio | 11.6430% | 2,115 |
| Tier 1 risk-based capital ratio | 17.4761% | 1,950 |
| Total risk-based capital ratio | 18.1804% | 2,050 |
| Memoranda: | ||
| Average total assets | $1,014,158,750 | 776 |
| Average earning assets | $958,742,250 | 754 |
| Average equity | $114,898,250 | 789 |
| Average total loans | $835,848,250 | 693 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 3,487 |
| Cost of funding earning assets | 1.5208% | 354 |
| Net interest margin | 2.8305% | 4,893 |
| Noninterest income to average assets | 0.7529% | 1,511 |
| Noninterest expense to average assets | 2.7366% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5542% | 4,414 |
| Return on assets (ROA) | 0.8050% | 3,693 |
| Pretax return on assets | 1.0014% | 3,542 |
| Return on Equity (ROE) | 7.1323% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.1323% | 1,747 |
| Net charge-offs to loans | -0.0002% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4953% | 1,094 |
| Assets per employee ($millions) | 4.9966% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5395% | 4,965 |
| Loan loss allowance to noncurrent loans | 79.1245% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,342 |
| Noncurrent loans to loans | 0.6818% | 2,273 |
| Net loans and leases to total assets | 81.6588% | 657 |
| Net loans and leases to deposits | 122.3607% | 68 |
| Net loans and leases to core deposits | 153.6467% | 115 |
| Total domestic deposits to total assets | 66.7361% | 5,136 |
| Equity capital to assets | 11.3668% | 2,730 |
| Core capital (leverage) ratio | 11.7040% | 2,019 |
| Tier 1 risk-based capital ratio | 17.2557% | 2,008 |
| Total risk-based capital ratio | 17.9626% | 2,117 |
| Memoranda: | ||
| Average total assets | $1,008,391,330 | 777 |
| Average earning assets | $951,759,000 | 756 |
| Average equity | $113,820,330 | 790 |
| Average total loans | $832,476,330 | 694 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 3,319 |
| Cost of funding earning assets | 1.4742% | 353 |
| Net interest margin | 2.9005% | 4,875 |
| Noninterest income to average assets | 0.7605% | 1,396 |
| Noninterest expense to average assets | 2.7892% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5702% | 4,337 |
| Return on assets (ROA) | 0.9268% | 3,169 |
| Pretax return on assets | 1.1547% | 2,961 |
| Return on Equity (ROE) | 8.2407% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.2407% | 1,578 |
| Net charge-offs to loans | -0.0048% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3290% | 1,233 |
| Assets per employee ($millions) | 5.1361% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 5,020 |
| Loan loss allowance to noncurrent loans | 69.1875% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 2,148 |
| Noncurrent loans to loans | 0.7950% | 2,048 |
| Net loans and leases to total assets | 81.2573% | 674 |
| Net loans and leases to deposits | 121.0079% | 74 |
| Net loans and leases to core deposits | 152.1480% | 114 |
| Total domestic deposits to total assets | 67.1504% | 5,192 |
| Equity capital to assets | 11.2798% | 2,580 |
| Core capital (leverage) ratio | 11.6602% | 2,017 |
| Tier 1 risk-based capital ratio | 17.3404% | 2,000 |
| Total risk-based capital ratio | 18.0666% | 2,118 |
| Memoranda: | ||
| Average total assets | $1,000,430,500 | 787 |
| Average earning assets | $944,260,000 | 766 |
| Average equity | $112,514,500 | 793 |
| Average total loans | $828,225,000 | 695 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 3,251 |
| Cost of funding earning assets | 1.2276% | 304 |
| Net interest margin | 3.0290% | 4,766 |
| Noninterest income to average assets | 0.7568% | 1,615 |
| Noninterest expense to average assets | 2.8219% | 2,616 |
| Loan and lease loss provision to assets | 0.0031% | 4,045 |
| Net operating income to assets | 0.6372% | 4,324 |
| Return on assets (ROA) | 0.7027% | 4,136 |
| Pretax return on assets | 0.8643% | 3,990 |
| Return on Equity (ROE) | 6.3586% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.3586% | 2,002 |
| Net charge-offs to loans | -0.0008% | 4,172 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7462% | 1,258 |
| Assets per employee ($millions) | 4.8483% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 5,068 |
| Loan loss allowance to noncurrent loans | 61.3025% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 1,858 |
| Noncurrent loans to loans | 0.8920% | 1,807 |
| Net loans and leases to total assets | 83.4332% | 464 |
| Net loans and leases to deposits | 125.3495% | 62 |
| Net loans and leases to core deposits | 154.6040% | 114 |
| Total domestic deposits to total assets | 66.5604% | 5,240 |
| Equity capital to assets | 11.2127% | 2,503 |
| Core capital (leverage) ratio | 11.3903% | 2,188 |
| Tier 1 risk-based capital ratio | 16.8769% | 2,107 |
| Total risk-based capital ratio | 17.6708% | 2,205 |
| Memoranda: | ||
| Average total assets | $974,891,400 | 789 |
| Average earning assets | $917,754,600 | 766 |
| Average equity | $107,743,800 | 793 |
| Average total loans | $799,289,400 | 699 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 3,289 |
| Cost of funding earning assets | 1.1586% | 312 |
| Net interest margin | 3.0514% | 4,779 |
| Noninterest income to average assets | 0.8000% | 1,474 |
| Noninterest expense to average assets | 2.7864% | 2,684 |
| Loan and lease loss provision to assets | 0.0041% | 3,889 |
| Net operating income to assets | 0.7113% | 4,187 |
| Return on assets (ROA) | 0.8299% | 3,822 |
| Pretax return on assets | 1.0262% | 3,644 |
| Return on Equity (ROE) | 7.5369% | 3,733 |
| Retained earnings to average equity (ytd only) | 7.5369% | 1,869 |
| Net charge-offs to loans | 0.0003% | 3,483 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 3,215.4007% | 19 |
| Efficiency ratio | 74.4643% | 1,525 |
| Assets per employee ($millions) | 4.9795% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 5,107 |
| Loan loss allowance to noncurrent loans | 61.3104% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 1,895 |
| Noncurrent loans to loans | 0.9130% | 1,875 |
| Net loans and leases to total assets | 81.6034% | 780 |
| Net loans and leases to deposits | 122.6270% | 84 |
| Net loans and leases to core deposits | 151.0878% | 126 |
| Total domestic deposits to total assets | 66.5460% | 5,315 |
| Equity capital to assets | 11.0445% | 2,621 |
| Core capital (leverage) ratio | 11.4559% | 2,210 |
| Tier 1 risk-based capital ratio | 17.0589% | 2,085 |
| Total risk-based capital ratio | 17.9284% | 2,156 |
| Memoranda: | ||
| Average total assets | $971,351,750 | 789 |
| Average earning assets | $913,690,000 | 766 |
| Average equity | $106,955,000 | 797 |
| Average total loans | $791,678,500 | 704 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,172 |
| Cost of funding earning assets | 1.1047% | 286 |
| Net interest margin | 3.0752% | 4,775 |
| Noninterest income to average assets | 0.8300% | 1,386 |
| Noninterest expense to average assets | 2.7771% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7605% | 3,992 |
| Return on assets (ROA) | 0.9064% | 3,437 |
| Pretax return on assets | 1.1247% | 3,211 |
| Return on Equity (ROE) | 8.2401% | 3,400 |
| Retained earnings to average equity (ytd only) | 8.2401% | 1,524 |
| Net charge-offs to loans | -0.0071% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1498% | 1,828 |
| Assets per employee ($millions) | 4.8256% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5711% | 5,161 |
| Loan loss allowance to noncurrent loans | 61.8125% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 1,983 |
| Noncurrent loans to loans | 0.9239% | 1,874 |
| Net loans and leases to total assets | 80.8889% | 877 |
| Net loans and leases to deposits | 123.2300% | 80 |
| Net loans and leases to core deposits | 150.8082% | 115 |
| Total domestic deposits to total assets | 65.6406% | 5,392 |
| Equity capital to assets | 11.0167% | 2,626 |
| Core capital (leverage) ratio | 11.5177% | 2,057 |
| Tier 1 risk-based capital ratio | 16.7859% | 2,170 |
| Total risk-based capital ratio | 17.6190% | 2,249 |
| Memoranda: | ||
| Average total assets | $966,490,670 | 794 |
| Average earning assets | $908,829,670 | 772 |
| Average equity | $106,309,330 | 801 |
| Average total loans | $785,876,330 | 705 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,009 |
| Cost of funding earning assets | 1.0511% | 295 |
| Net interest margin | 3.1143% | 4,676 |
| Noninterest income to average assets | 0.9365% | 1,056 |
| Noninterest expense to average assets | 2.7981% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8586% | 3,467 |
| Return on assets (ROA) | 1.0142% | 2,822 |
| Pretax return on assets | 1.2615% | 2,511 |
| Return on Equity (ROE) | 9.2275% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.2275% | 1,388 |
| Net charge-offs to loans | -0.0051% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9754% | 2,346 |
| Assets per employee ($millions) | 4.9334% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 5,230 |
| Loan loss allowance to noncurrent loans | 68.6767% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,295 |
| Noncurrent loans to loans | 0.8367% | 2,147 |
| Net loans and leases to total assets | 80.7084% | 833 |
| Net loans and leases to deposits | 123.5978% | 79 |
| Net loans and leases to core deposits | 151.7643% | 115 |
| Total domestic deposits to total assets | 65.2992% | 5,471 |
| Equity capital to assets | 10.9673% | 2,620 |
| Core capital (leverage) ratio | 11.3187% | 2,148 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,223 |
| Total risk-based capital ratio | 17.5331% | 2,311 |
| Memoranda: | ||
| Average total assets | $962,351,000 | 797 |
| Average earning assets | $904,980,000 | 775 |
| Average equity | $105,770,500 | 802 |
| Average total loans | $782,309,500 | 709 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,067 |
| Cost of funding earning assets | 0.9259% | 328 |
| Net interest margin | 3.1720% | 4,514 |
| Noninterest income to average assets | 0.7919% | 1,597 |
| Noninterest expense to average assets | 2.8872% | 2,498 |
| Loan and lease loss provision to assets | 0.0005% | 4,222 |
| Net operating income to assets | 0.5889% | 4,058 |
| Return on assets (ROA) | 0.6792% | 3,738 |
| Pretax return on assets | 1.0186% | 3,499 |
| Return on Equity (ROE) | 6.1059% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.1059% | 1,476 |
| Net charge-offs to loans | 0.0130% | 3,628 |
| Credit loss provision to net charge-offs | 5.1546% | 3,686 |
| Earnings coverage of net charge-offs (x) | 83.8144% | 741 |
| Efficiency ratio | 75.0159% | 1,762 |
| Assets per employee ($millions) | 4.7888% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 5,284 |
| Loan loss allowance to noncurrent loans | 81.7439% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 2,489 |
| Noncurrent loans to loans | 0.7060% | 2,443 |
| Net loans and leases to total assets | 80.9395% | 843 |
| Net loans and leases to deposits | 125.2628% | 71 |
| Net loans and leases to core deposits | 151.5277% | 127 |
| Total domestic deposits to total assets | 64.6157% | 5,542 |
| Equity capital to assets | 11.0146% | 2,611 |
| Core capital (leverage) ratio | 11.1926% | 2,161 |
| Tier 1 risk-based capital ratio | 16.1723% | 2,370 |
| Total risk-based capital ratio | 17.1053% | 2,434 |
| Memoranda: | ||
| Average total assets | $919,232,200 | 806 |
| Average earning assets | $863,517,600 | 789 |
| Average equity | $102,245,600 | 805 |
| Average total loans | $745,721,200 | 701 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 3,041 |
| Cost of funding earning assets | 0.9002% | 343 |
| Net interest margin | 3.1833% | 4,497 |
| Noninterest income to average assets | 0.8417% | 1,441 |
| Noninterest expense to average assets | 2.9039% | 2,392 |
| Loan and lease loss provision to assets | 0.0007% | 4,077 |
| Net operating income to assets | 0.6583% | 4,164 |
| Return on assets (ROA) | 0.7654% | 3,721 |
| Pretax return on assets | 1.0777% | 3,391 |
| Return on Equity (ROE) | 6.8641% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.8641% | 1,766 |
| Net charge-offs to loans | 0.0071% | 3,480 |
| Credit loss provision to net charge-offs | 12.8205% | 3,205 |
| Earnings coverage of net charge-offs (x) | 162.2267% | 508 |
| Efficiency ratio | 74.2674% | 1,855 |
| Assets per employee ($millions) | 4.8422% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 5,337 |
| Loan loss allowance to noncurrent loans | 85.3558% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,713 |
| Noncurrent loans to loans | 0.6942% | 2,625 |
| Net loans and leases to total assets | 80.5685% | 905 |
| Net loans and leases to deposits | 124.6763% | 65 |
| Net loans and leases to core deposits | 146.7240% | 141 |
| Total domestic deposits to total assets | 64.6221% | 5,611 |
| Equity capital to assets | 10.9931% | 2,874 |
| Core capital (leverage) ratio | 11.1999% | 2,278 |
| Tier 1 risk-based capital ratio | 15.7361% | 2,612 |
| Total risk-based capital ratio | 16.6443% | 2,696 |
| Memoranda: | ||
| Average total assets | $909,600,500 | 823 |
| Average earning assets | $854,259,750 | 808 |
| Average equity | $101,433,750 | 810 |
| Average total loans | $737,225,250 | 713 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 2,888 |
| Cost of funding earning assets | 0.8748% | 357 |
| Net interest margin | 3.2061% | 4,403 |
| Noninterest income to average assets | 0.8337% | 1,456 |
| Noninterest expense to average assets | 2.9211% | 2,357 |
| Loan and lease loss provision to assets | 0.0011% | 3,861 |
| Net operating income to assets | 0.6520% | 4,069 |
| Return on assets (ROA) | 0.7697% | 3,599 |
| Pretax return on assets | 1.0887% | 3,224 |
| Return on Equity (ROE) | 6.8679% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.8679% | 1,656 |
| Net charge-offs to loans | 0.0118% | 3,040 |
| Credit loss provision to net charge-offs | 11.6279% | 2,839 |
| Earnings coverage of net charge-offs (x) | 96.3256% | 672 |
| Efficiency ratio | 74.4241% | 1,937 |
| Assets per employee ($millions) | 4.5293% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6098% | 5,363 |
| Loan loss allowance to noncurrent loans | 79.9088% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 2,647 |
| Noncurrent loans to loans | 0.7631% | 2,486 |
| Net loans and leases to total assets | 80.7258% | 844 |
| Net loans and leases to deposits | 123.1341% | 70 |
| Net loans and leases to core deposits | 144.5851% | 155 |
| Total domestic deposits to total assets | 65.5593% | 5,640 |
| Equity capital to assets | 11.1258% | 2,677 |
| Core capital (leverage) ratio | 11.4770% | 1,982 |
| Tier 1 risk-based capital ratio | 15.8241% | 2,578 |
| Total risk-based capital ratio | 16.7438% | 2,641 |
| Memoranda: | ||
| Average total assets | $896,443,670 | 843 |
| Average earning assets | $842,010,330 | 828 |
| Average equity | $100,467,670 | 818 |
| Average total loans | $726,563,670 | 727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 2,816 |
| Cost of funding earning assets | 0.8597% | 360 |
| Net interest margin | 3.1972% | 4,354 |
| Noninterest income to average assets | 0.9555% | 1,090 |
| Noninterest expense to average assets | 2.9123% | 2,422 |
| Loan and lease loss provision to assets | 0.0023% | 3,521 |
| Net operating income to assets | 0.7264% | 3,583 |
| Return on assets (ROA) | 0.8773% | 2,924 |
| Pretax return on assets | 1.2570% | 2,393 |
| Return on Equity (ROE) | 7.7988% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.7988% | 1,543 |
| Net charge-offs to loans | 0.0128% | 2,549 |
| Credit loss provision to net charge-offs | 21.7391% | 2,163 |
| Earnings coverage of net charge-offs (x) | 100.3913% | 531 |
| Efficiency ratio | 72.0978% | 2,560 |
| Assets per employee ($millions) | 4.5954% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 5,423 |
| Loan loss allowance to noncurrent loans | 74.0010% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 2,558 |
| Noncurrent loans to loans | 0.8575% | 2,315 |
| Net loans and leases to total assets | 80.3422% | 796 |
| Net loans and leases to deposits | 120.3182% | 86 |
| Net loans and leases to core deposits | 140.3080% | 165 |
| Total domestic deposits to total assets | 66.7748% | 5,698 |
| Equity capital to assets | 11.2849% | 2,362 |
| Core capital (leverage) ratio | 11.5341% | 1,916 |
| Tier 1 risk-based capital ratio | 15.6721% | 2,675 |
| Total risk-based capital ratio | 16.6037% | 2,746 |
| Memoranda: | ||
| Average total assets | $884,939,500 | 861 |
| Average earning assets | $830,482,000 | 843 |
| Average equity | $99,553,500 | 824 |
| Average total loans | $716,451,000 | 738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 2,788 |
| Cost of funding earning assets | 0.8974% | 303 |
| Net interest margin | 3.2176% | 4,387 |
| Noninterest income to average assets | 0.8853% | 1,462 |
| Noninterest expense to average assets | 2.8836% | 2,727 |
| Loan and lease loss provision to assets | 0.0233% | 3,900 |
| Net operating income to assets | 0.6935% | 3,815 |
| Return on assets (ROA) | 0.7503% | 3,655 |
| Pretax return on assets | 1.0788% | 3,183 |
| Return on Equity (ROE) | 6.8736% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.8736% | 1,280 |
| Net charge-offs to loans | -0.0016% | 4,684 |
| Credit loss provision to net charge-offs | -1,863.6364% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2864% | 2,551 |
| Assets per employee ($millions) | 4.4588% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,457 |
| Loan loss allowance to noncurrent loans | 102.7523% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 3,232 |
| Noncurrent loans to loans | 0.6276% | 2,970 |
| Net loans and leases to total assets | 80.5444% | 806 |
| Net loans and leases to deposits | 121.4397% | 80 |
| Net loans and leases to core deposits | 139.6194% | 177 |
| Total domestic deposits to total assets | 66.3246% | 5,749 |
| Equity capital to assets | 11.2141% | 2,407 |
| Core capital (leverage) ratio | 11.4800% | 1,944 |
| Tier 1 risk-based capital ratio | 15.7039% | 2,670 |
| Total risk-based capital ratio | 16.6490% | 2,727 |
| Memoranda: | ||
| Average total assets | $878,197,000 | 826 |
| Average earning assets | $824,071,200 | 811 |
| Average equity | $95,860,200 | 830 |
| Average total loans | $709,180,000 | 712 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,727 |
| Cost of funding earning assets | 0.9067% | 282 |
| Net interest margin | 3.2313% | 4,398 |
| Noninterest income to average assets | 0.9228% | 1,339 |
| Noninterest expense to average assets | 2.8767% | 2,714 |
| Loan and lease loss provision to assets | 0.0258% | 3,727 |
| Net operating income to assets | 0.7291% | 3,699 |
| Return on assets (ROA) | 0.7977% | 3,514 |
| Pretax return on assets | 1.1515% | 3,041 |
| Return on Equity (ROE) | 7.3584% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.3584% | 1,456 |
| Net charge-offs to loans | -0.0006% | 4,419 |
| Credit loss provision to net charge-offs | -5,666.6667% | 5,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1933% | 2,705 |
| Assets per employee ($millions) | 4.5355% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 5,540 |
| Loan loss allowance to noncurrent loans | 79.7511% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,955 |
| Noncurrent loans to loans | 0.8087% | 2,647 |
| Net loans and leases to total assets | 79.6496% | 939 |
| Net loans and leases to deposits | 118.9465% | 123 |
| Net loans and leases to core deposits | 137.1083% | 217 |
| Total domestic deposits to total assets | 66.9626% | 5,798 |
| Equity capital to assets | 11.1666% | 2,830 |
| Core capital (leverage) ratio | 11.1322% | 2,331 |
| Tier 1 risk-based capital ratio | 15.7100% | 2,748 |
| Total risk-based capital ratio | 16.6577% | 2,800 |
| Memoranda: | ||
| Average total assets | $878,152,500 | 830 |
| Average earning assets | $823,920,000 | 804 |
| Average equity | $95,199,750 | 840 |
| Average total loans | $708,456,500 | 710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,663 |
| Cost of funding earning assets | 0.9152% | 268 |
| Net interest margin | 3.2383% | 4,414 |
| Noninterest income to average assets | 0.9127% | 1,336 |
| Noninterest expense to average assets | 2.8652% | 2,790 |
| Loan and lease loss provision to assets | 0.0296% | 3,538 |
| Net operating income to assets | 0.7344% | 3,630 |
| Return on assets (ROA) | 0.7942% | 3,476 |
| Pretax return on assets | 1.1418% | 3,032 |
| Return on Equity (ROE) | 7.4006% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.4006% | 1,431 |
| Net charge-offs to loans | 0.0028% | 3,606 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 476.5000% | 144 |
| Efficiency ratio | 70.9523% | 2,833 |
| Assets per employee ($millions) | 4.4354% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 5,647 |
| Loan loss allowance to noncurrent loans | 76.3457% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 3,022 |
| Noncurrent loans to loans | 0.8187% | 2,695 |
| Net loans and leases to total assets | 80.1761% | 872 |
| Net loans and leases to deposits | 122.5781% | 87 |
| Net loans and leases to core deposits | 142.8261% | 164 |
| Total domestic deposits to total assets | 65.4082% | 5,905 |
| Equity capital to assets | 10.8619% | 3,219 |
| Core capital (leverage) ratio | 11.0683% | 2,366 |
| Tier 1 risk-based capital ratio | 15.5015% | 2,861 |
| Total risk-based capital ratio | 16.4641% | 2,913 |
| Memoranda: | ||
| Average total assets | $877,576,330 | 828 |
| Average earning assets | $823,401,330 | 805 |
| Average equity | $94,182,000 | 846 |
| Average total loans | $709,485,000 | 705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,511 |
| Cost of funding earning assets | 0.9318% | 249 |
| Net interest margin | 3.2574% | 4,374 |
| Noninterest income to average assets | 0.9024% | 1,307 |
| Noninterest expense to average assets | 2.9221% | 2,625 |
| Loan and lease loss provision to assets | 0.0322% | 3,234 |
| Net operating income to assets | 0.6920% | 3,752 |
| Return on assets (ROA) | 0.7618% | 3,538 |
| Pretax return on assets | 1.1041% | 3,078 |
| Return on Equity (ROE) | 7.1423% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.1423% | 1,820 |
| Net charge-offs to loans | 0.0085% | 2,840 |
| Credit loss provision to net charge-offs | 466.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 150.2000% | 399 |
| Efficiency ratio | 72.2629% | 2,761 |
| Assets per employee ($millions) | 4.5103% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 5,714 |
| Loan loss allowance to noncurrent loans | 63.7279% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 2,680 |
| Noncurrent loans to loans | 0.9766% | 2,430 |
| Net loans and leases to total assets | 80.4440% | 758 |
| Net loans and leases to deposits | 122.6280% | 80 |
| Net loans and leases to core deposits | 142.6393% | 148 |
| Total domestic deposits to total assets | 65.6001% | 5,974 |
| Equity capital to assets | 10.7199% | 3,233 |
| Core capital (leverage) ratio | 10.9234% | 2,472 |
| Tier 1 risk-based capital ratio | 15.5106% | 2,908 |
| Total risk-based capital ratio | 16.4586% | 2,994 |
| Memoranda: | ||
| Average total assets | $870,610,500 | 838 |
| Average earning assets | $816,477,000 | 816 |
| Average equity | $92,855,500 | 856 |
| Average total loans | $704,591,500 | 703 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,624 |
| Cost of funding earning assets | 0.9265% | 252 |
| Net interest margin | 3.2532% | 4,464 |
| Noninterest income to average assets | 0.8589% | 1,575 |
| Noninterest expense to average assets | 2.9227% | 2,788 |
| Loan and lease loss provision to assets | 0.0354% | 3,639 |
| Net operating income to assets | 0.6638% | 3,982 |
| Return on assets (ROA) | 0.7178% | 3,831 |
| Pretax return on assets | 1.0253% | 3,363 |
| Return on Equity (ROE) | 6.8758% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.8758% | 1,336 |
| Net charge-offs to loans | 0.0696% | 2,849 |
| Credit loss provision to net charge-offs | 63.0252% | 3,224 |
| Earnings coverage of net charge-offs (x) | 17.5084% | 2,069 |
| Efficiency ratio | 73.1851% | 2,716 |
| Assets per employee ($millions) | 4.2449% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 5,761 |
| Loan loss allowance to noncurrent loans | 82.3175% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,171 |
| Noncurrent loans to loans | 0.7624% | 2,892 |
| Net loans and leases to total assets | 80.4055% | 782 |
| Net loans and leases to deposits | 123.3094% | 77 |
| Net loans and leases to core deposits | 140.1500% | 161 |
| Total domestic deposits to total assets | 65.2063% | 6,026 |
| Equity capital to assets | 10.6101% | 3,233 |
| Core capital (leverage) ratio | 10.9378% | 2,463 |
| Tier 1 risk-based capital ratio | 15.7068% | 2,828 |
| Total risk-based capital ratio | 16.6455% | 2,924 |
| Memoranda: | ||
| Average total assets | $847,397,600 | 818 |
| Average earning assets | $793,774,600 | 791 |
| Average equity | $88,469,400 | 860 |
| Average total loans | $684,295,400 | 685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,626 |
| Cost of funding earning assets | 0.9302% | 246 |
| Net interest margin | 3.2548% | 4,507 |
| Noninterest income to average assets | 0.8945% | 1,470 |
| Noninterest expense to average assets | 2.8979% | 2,855 |
| Loan and lease loss provision to assets | 0.0324% | 3,589 |
| Net operating income to assets | 0.7003% | 3,899 |
| Return on assets (ROA) | 0.7581% | 3,747 |
| Pretax return on assets | 1.0955% | 3,244 |
| Return on Equity (ROE) | 7.2919% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.2919% | 1,552 |
| Net charge-offs to loans | 0.0769% | 2,461 |
| Credit loss provision to net charge-offs | 52.1628% | 3,013 |
| Earnings coverage of net charge-offs (x) | 16.8142% | 2,088 |
| Efficiency ratio | 71.8815% | 2,906 |
| Assets per employee ($millions) | 4.4504% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 5,854 |
| Loan loss allowance to noncurrent loans | 113.7940% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 3,493 |
| Noncurrent loans to loans | 0.5526% | 3,681 |
| Net loans and leases to total assets | 80.2866% | 785 |
| Net loans and leases to deposits | 122.6582% | 80 |
| Net loans and leases to core deposits | 137.8347% | 189 |
| Total domestic deposits to total assets | 65.4556% | 6,102 |
| Equity capital to assets | 10.4661% | 3,633 |
| Core capital (leverage) ratio | 10.7888% | 2,732 |
| Tier 1 risk-based capital ratio | 15.5534% | 3,026 |
| Total risk-based capital ratio | 16.4487% | 3,125 |
| Memoranda: | ||
| Average total assets | $843,820,750 | 827 |
| Average earning assets | $790,084,000 | 798 |
| Average equity | $87,729,750 | 874 |
| Average total loans | $681,060,750 | 686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,701 |
| Cost of funding earning assets | 0.9385% | 236 |
| Net interest margin | 3.2173% | 4,609 |
| Noninterest income to average assets | 0.9197% | 1,392 |
| Noninterest expense to average assets | 2.9052% | 2,873 |
| Loan and lease loss provision to assets | 0.0298% | 3,534 |
| Net operating income to assets | 0.6887% | 3,944 |
| Return on assets (ROA) | 0.7625% | 3,681 |
| Pretax return on assets | 1.1047% | 3,153 |
| Return on Equity (ROE) | 7.3511% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.3511% | 1,544 |
| Net charge-offs to loans | 0.0508% | 2,697 |
| Credit loss provision to net charge-offs | 72.6744% | 2,424 |
| Earnings coverage of net charge-offs (x) | 25.0523% | 1,537 |
| Efficiency ratio | 72.2306% | 2,974 |
| Assets per employee ($millions) | 4.2711% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 5,887 |
| Loan loss allowance to noncurrent loans | 59.7084% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 2,704 |
| Noncurrent loans to loans | 1.1035% | 2,447 |
| Net loans and leases to total assets | 79.9171% | 812 |
| Net loans and leases to deposits | 123.0977% | 73 |
| Net loans and leases to core deposits | 138.4161% | 175 |
| Total domestic deposits to total assets | 64.9217% | 6,191 |
| Equity capital to assets | 10.3557% | 3,609 |
| Core capital (leverage) ratio | 10.8302% | 2,581 |
| Tier 1 risk-based capital ratio | 15.1061% | 3,295 |
| Total risk-based capital ratio | 16.0565% | 3,402 |
| Memoranda: | ||
| Average total assets | $838,784,670 | 837 |
| Average earning assets | $785,502,670 | 814 |
| Average equity | $87,007,670 | 888 |
| Average total loans | $676,758,000 | 687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 2,556 |
| Cost of funding earning assets | 0.9641% | 213 |
| Net interest margin | 3.2096% | 4,575 |
| Noninterest income to average assets | 0.9525% | 1,227 |
| Noninterest expense to average assets | 2.9333% | 2,796 |
| Loan and lease loss provision to assets | 0.0336% | 3,220 |
| Net operating income to assets | 0.6830% | 3,881 |
| Return on assets (ROA) | 0.7542% | 3,652 |
| Pretax return on assets | 1.0951% | 3,100 |
| Return on Equity (ROE) | 7.2646% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.2646% | 1,876 |
| Net charge-offs to loans | 0.0553% | 2,214 |
| Credit loss provision to net charge-offs | 75.2688% | 1,873 |
| Earnings coverage of net charge-offs (x) | 22.9677% | 1,336 |
| Efficiency ratio | 72.4594% | 3,094 |
| Assets per employee ($millions) | 4.3367% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 5,956 |
| Loan loss allowance to noncurrent loans | 63.9148% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 2,869 |
| Noncurrent loans to loans | 1.0486% | 2,666 |
| Net loans and leases to total assets | 80.1963% | 667 |
| Net loans and leases to deposits | 122.8674% | 65 |
| Net loans and leases to core deposits | 138.0266% | 166 |
| Total domestic deposits to total assets | 65.2707% | 6,251 |
| Equity capital to assets | 10.4489% | 3,588 |
| Core capital (leverage) ratio | 10.6356% | 2,812 |
| Tier 1 risk-based capital ratio | 15.1125% | 3,375 |
| Total risk-based capital ratio | 16.1246% | 3,436 |
| Memoranda: | ||
| Average total assets | $833,200,000 | 844 |
| Average earning assets | $780,403,500 | 822 |
| Average equity | $86,502,000 | 889 |
| Average total loans | $673,255,000 | 690 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,776 |
| Cost of funding earning assets | 1.0842% | 147 |
| Net interest margin | 3.1667% | 5,028 |
| Noninterest income to average assets | 0.8831% | 1,557 |
| Noninterest expense to average assets | 2.9001% | 3,149 |
| Loan and lease loss provision to assets | 0.0387% | 3,795 |
| Net operating income to assets | 0.6208% | 4,270 |
| Return on assets (ROA) | 0.7032% | 3,992 |
| Pretax return on assets | 1.0162% | 3,432 |
| Return on Equity (ROE) | 6.7954% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.7954% | 1,498 |
| Net charge-offs to loans | 0.0275% | 4,269 |
| Credit loss provision to net charge-offs | 175.9777% | 1,380 |
| Earnings coverage of net charge-offs (x) | 42.4972% | 1,033 |
| Efficiency ratio | 73.6061% | 2,902 |
| Assets per employee ($millions) | 4.2102% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 6,028 |
| Loan loss allowance to noncurrent loans | 64.7234% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 3,087 |
| Noncurrent loans to loans | 1.0485% | 2,728 |
| Net loans and leases to total assets | 80.3214% | 703 |
| Net loans and leases to deposits | 124.1918% | 71 |
| Net loans and leases to core deposits | 136.7670% | 185 |
| Total domestic deposits to total assets | 64.6753% | 6,350 |
| Equity capital to assets | 10.3143% | 3,706 |
| Core capital (leverage) ratio | 10.2720% | 3,210 |
| Tier 1 risk-based capital ratio | 14.7328% | 3,640 |
| Total risk-based capital ratio | 15.7803% | 3,700 |
| Memoranda: | ||
| Average total assets | $813,144,000 | 833 |
| Average earning assets | $758,150,000 | 807 |
| Average equity | $84,145,200 | 880 |
| Average total loans | $651,971,400 | 667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,753 |
| Cost of funding earning assets | 1.1069% | 139 |
| Net interest margin | 3.1616% | 5,087 |
| Noninterest income to average assets | 0.9270% | 1,429 |
| Noninterest expense to average assets | 2.8837% | 3,183 |
| Loan and lease loss provision to assets | 0.0363% | 3,683 |
| Net operating income to assets | 0.6588% | 4,168 |
| Return on assets (ROA) | 0.7434% | 3,807 |
| Pretax return on assets | 1.0738% | 3,284 |
| Return on Equity (ROE) | 7.1777% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.1777% | 1,725 |
| Net charge-offs to loans | 0.0103% | 4,377 |
| Credit loss provision to net charge-offs | 440.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 119.8310% | 496 |
| Efficiency ratio | 72.4192% | 3,103 |
| Assets per employee ($millions) | 4.1672% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 6,115 |
| Loan loss allowance to noncurrent loans | 62.2421% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 3,195 |
| Noncurrent loans to loans | 1.1166% | 2,830 |
| Net loans and leases to total assets | 79.8182% | 736 |
| Net loans and leases to deposits | 119.9168% | 97 |
| Net loans and leases to core deposits | 132.7639% | 207 |
| Total domestic deposits to total assets | 66.5613% | 6,393 |
| Equity capital to assets | 10.5433% | 3,502 |
| Core capital (leverage) ratio | 10.2242% | 3,379 |
| Tier 1 risk-based capital ratio | 14.6525% | 3,784 |
| Total risk-based capital ratio | 15.6780% | 3,873 |
| Memoranda: | ||
| Average total assets | $809,076,750 | 840 |
| Average earning assets | $753,446,250 | 815 |
| Average equity | $83,794,500 | 880 |
| Average total loans | $647,277,250 | 671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,795 |
| Cost of funding earning assets | 1.1151% | 136 |
| Net interest margin | 3.1270% | 5,168 |
| Noninterest income to average assets | 0.9415% | 1,355 |
| Noninterest expense to average assets | 2.9104% | 3,126 |
| Loan and lease loss provision to assets | 0.0422% | 3,474 |
| Net operating income to assets | 0.6199% | 4,250 |
| Return on assets (ROA) | 0.7214% | 3,822 |
| Pretax return on assets | 1.0443% | 3,303 |
| Return on Equity (ROE) | 7.0082% | 3,620 |
| Retained earnings to average equity (ytd only) | 7.0082% | 1,769 |
| Net charge-offs to loans | -0.0009% | 5,024 |
| Credit loss provision to net charge-offs | -5,666.6667% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3385% | 3,099 |
| Assets per employee ($millions) | 4.0814% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 6,172 |
| Loan loss allowance to noncurrent loans | 70.3726% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 3,518 |
| Noncurrent loans to loans | 0.9970% | 3,242 |
| Net loans and leases to total assets | 79.5679% | 735 |
| Net loans and leases to deposits | 119.4919% | 91 |
| Net loans and leases to core deposits | 132.3691% | 207 |
| Total domestic deposits to total assets | 66.5885% | 6,467 |
| Equity capital to assets | 10.4370% | 3,520 |
| Core capital (leverage) ratio | 10.1511% | 3,413 |
| Tier 1 risk-based capital ratio | 14.2878% | 4,069 |
| Total risk-based capital ratio | 15.3218% | 4,143 |
| Memoranda: | ||
| Average total assets | $805,120,330 | 846 |
| Average earning assets | $748,830,670 | 821 |
| Average equity | $82,874,330 | 886 |
| Average total loans | $643,086,330 | 666 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,635 |
| Cost of funding earning assets | 1.1185% | 147 |
| Net interest margin | 3.1512% | 5,086 |
| Noninterest income to average assets | 1.0371% | 1,046 |
| Noninterest expense to average assets | 3.0067% | 2,839 |
| Loan and lease loss provision to assets | 0.0500% | 3,100 |
| Net operating income to assets | 0.6285% | 4,048 |
| Return on assets (ROA) | 0.7244% | 3,648 |
| Pretax return on assets | 1.0496% | 3,135 |
| Return on Equity (ROE) | 7.0881% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.0881% | 1,992 |
| Net charge-offs to loans | -0.0107% | 5,073 |
| Credit loss provision to net charge-offs | -588.2353% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1021% | 3,296 |
| Assets per employee ($millions) | 4.0675% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 6,271 |
| Loan loss allowance to noncurrent loans | 61.0999% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 3,352 |
| Noncurrent loans to loans | 1.1555% | 3,120 |
| Net loans and leases to total assets | 79.5605% | 599 |
| Net loans and leases to deposits | 119.5275% | 78 |
| Net loans and leases to core deposits | 132.5852% | 171 |
| Total domestic deposits to total assets | 66.5625% | 6,547 |
| Equity capital to assets | 10.3267% | 3,428 |
| Core capital (leverage) ratio | 10.0495% | 3,493 |
| Tier 1 risk-based capital ratio | 14.5655% | 3,970 |
| Total risk-based capital ratio | 15.6222% | 4,040 |
| Memoranda: | ||
| Average total assets | $799,540,500 | 857 |
| Average earning assets | $743,463,000 | 836 |
| Average equity | $81,714,000 | 902 |
| Average total loans | $637,586,500 | 672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,370 |
| Cost of funding earning assets | 1.2976% | 109 |
| Net interest margin | 2.8948% | 5,795 |
| Noninterest income to average assets | 0.8369% | 1,912 |
| Noninterest expense to average assets | 2.8566% | 3,509 |
| Loan and lease loss provision to assets | 0.0644% | 3,845 |
| Net operating income to assets | 0.4372% | 5,001 |
| Return on assets (ROA) | 0.5378% | 4,693 |
| Pretax return on assets | 0.7629% | 4,288 |
| Return on Equity (ROE) | 5.5073% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,274 |
| Net charge-offs to loans | 0.0805% | 4,092 |
| Credit loss provision to net charge-offs | 104.3388% | 2,323 |
| Earnings coverage of net charge-offs (x) | 11.0764% | 2,277 |
| Efficiency ratio | 78.9115% | 2,338 |
| Assets per employee ($millions) | 3.9690% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 6,348 |
| Loan loss allowance to noncurrent loans | 59.1719% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 3,421 |
| Noncurrent loans to loans | 1.1788% | 3,187 |
| Net loans and leases to total assets | 78.8068% | 732 |
| Net loans and leases to deposits | 117.9380% | 82 |
| Net loans and leases to core deposits | 130.8837% | 187 |
| Total domestic deposits to total assets | 66.8205% | 6,617 |
| Equity capital to assets | 10.1131% | 3,617 |
| Core capital (leverage) ratio | 9.8524% | 3,769 |
| Tier 1 risk-based capital ratio | 14.3752% | 4,031 |
| Total risk-based capital ratio | 15.4284% | 4,112 |
| Memoranda: | ||
| Average total assets | $784,243,000 | 853 |
| Average earning assets | $732,372,400 | 829 |
| Average equity | $76,588,600 | 929 |
| Average total loans | $601,597,000 | 695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,452 |
| Cost of funding earning assets | 1.3266% | 109 |
| Net interest margin | 2.8550% | 5,907 |
| Noninterest income to average assets | 0.8396% | 1,980 |
| Noninterest expense to average assets | 2.7953% | 3,677 |
| Loan and lease loss provision to assets | 0.0615% | 3,813 |
| Net operating income to assets | 0.4570% | 4,999 |
| Return on assets (ROA) | 0.5623% | 4,669 |
| Pretax return on assets | 0.8022% | 4,287 |
| Return on Equity (ROE) | 5.8103% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.8103% | 2,531 |
| Net charge-offs to loans | 0.1053% | 3,480 |
| Credit loss provision to net charge-offs | 76.7591% | 2,925 |
| Earnings coverage of net charge-offs (x) | 8.9061% | 2,558 |
| Efficiency ratio | 78.9517% | 2,270 |
| Assets per employee ($millions) | 4.0896% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 6,439 |
| Loan loss allowance to noncurrent loans | 43.0581% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 3,023 |
| Noncurrent loans to loans | 1.6267% | 2,737 |
| Net loans and leases to total assets | 76.5876% | 920 |
| Net loans and leases to deposits | 112.3334% | 128 |
| Net loans and leases to core deposits | 123.7422% | 265 |
| Total domestic deposits to total assets | 68.1788% | 6,660 |
| Equity capital to assets | 9.6287% | 4,381 |
| Core capital (leverage) ratio | 9.7910% | 3,969 |
| Tier 1 risk-based capital ratio | 14.6463% | 3,988 |
| Total risk-based capital ratio | 15.6500% | 4,106 |
| Memoranda: | ||
| Average total assets | $780,859,000 | 865 |
| Average earning assets | $729,983,500 | 836 |
| Average equity | $75,565,750 | 955 |
| Average total loans | $593,716,250 | 702 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,455 |
| Cost of funding earning assets | 1.3615% | 104 |
| Net interest margin | 2.8149% | 5,974 |
| Noninterest income to average assets | 0.6790% | 2,742 |
| Noninterest expense to average assets | 2.6868% | 4,079 |
| Loan and lease loss provision to assets | 0.0554% | 3,895 |
| Net operating income to assets | 0.4046% | 5,197 |
| Return on assets (ROA) | 0.5415% | 4,764 |
| Pretax return on assets | 0.7656% | 4,445 |
| Return on Equity (ROE) | 5.5864% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.5864% | 2,684 |
| Net charge-offs to loans | 0.0776% | 3,608 |
| Credit loss provision to net charge-offs | 94.2982% | 2,350 |
| Earnings coverage of net charge-offs (x) | 10.6974% | 2,133 |
| Efficiency ratio | 81.0534% | 2,019 |
| Assets per employee ($millions) | 4.6267% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 6,447 |
| Loan loss allowance to noncurrent loans | 33.5400% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 1.9002% | 2,280 |
| Noncurrent loans to loans | 2.2043% | 2,173 |
| Net loans and leases to total assets | 75.2406% | 1,082 |
| Net loans and leases to deposits | 110.9641% | 128 |
| Net loans and leases to core deposits | 122.5062% | 279 |
| Total domestic deposits to total assets | 67.8063% | 6,722 |
| Equity capital to assets | 9.5855% | 4,469 |
| Core capital (leverage) ratio | 9.7423% | 3,879 |
| Tier 1 risk-based capital ratio | 14.8915% | 3,847 |
| Total risk-based capital ratio | 15.9018% | 3,962 |
| Memoranda: | ||
| Average total assets | $776,683,330 | 866 |
| Average earning assets | $727,271,330 | 842 |
| Average equity | $75,290,000 | 965 |
| Average total loans | $587,648,000 | 708 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 3,348 |
| Cost of funding earning assets | 1.3891% | 103 |
| Net interest margin | 2.8003% | 6,036 |
| Noninterest income to average assets | 0.5188% | 3,643 |
| Noninterest expense to average assets | 2.5579% | 4,541 |
| Loan and lease loss provision to assets | 0.0543% | 3,722 |
| Net operating income to assets | 0.3801% | 5,212 |
| Return on assets (ROA) | 0.5136% | 4,739 |
| Pretax return on assets | 0.7229% | 4,475 |
| Return on Equity (ROE) | 5.2690% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.2690% | 3,069 |
| Net charge-offs to loans | -0.0041% | 5,233 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2808% | 2,158 |
| Assets per employee ($millions) | 4.8515% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 6,503 |
| Loan loss allowance to noncurrent loans | 36.5420% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 2,512 |
| Noncurrent loans to loans | 2.1086% | 2,493 |
| Net loans and leases to total assets | 74.7553% | 983 |
| Net loans and leases to deposits | 108.4619% | 150 |
| Net loans and leases to core deposits | 120.9240% | 272 |
| Total domestic deposits to total assets | 68.9231% | 6,786 |
| Equity capital to assets | 9.8026% | 4,413 |
| Core capital (leverage) ratio | 10.3441% | 2,977 |
| Tier 1 risk-based capital ratio | 16.1678% | 3,172 |
| Total risk-based capital ratio | 17.2495% | 3,230 |
| Memoranda: | ||
| Average total assets | $774,070,000 | 876 |
| Average earning assets | $726,491,500 | 845 |
| Average equity | $75,460,000 | 973 |
| Average total loans | $585,124,000 | 716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 3,259 |
| Cost of funding earning assets | 1.5499% | 133 |
| Net interest margin | 2.9856% | 6,080 |
| Noninterest income to average assets | 0.5266% | 3,734 |
| Noninterest expense to average assets | 2.5467% | 4,939 |
| Loan and lease loss provision to assets | 0.1109% | 4,245 |
| Net operating income to assets | 0.4670% | 4,810 |
| Return on assets (ROA) | 0.5366% | 4,792 |
| Pretax return on assets | 0.7682% | 4,417 |
| Return on Equity (ROE) | 5.6021% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.6021% | 2,315 |
| Net charge-offs to loans | 0.1527% | 4,167 |
| Credit loss provision to net charge-offs | 94.0265% | 3,313 |
| Earnings coverage of net charge-offs (x) | 6.6095% | 2,778 |
| Efficiency ratio | 76.5567% | 2,651 |
| Assets per employee ($millions) | 4.7067% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7507% | 6,564 |
| Loan loss allowance to noncurrent loans | 38.1875% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 2,728 |
| Noncurrent loans to loans | 1.9658% | 2,727 |
| Net loans and leases to total assets | 75.2775% | 1,013 |
| Net loans and leases to deposits | 109.8165% | 158 |
| Net loans and leases to core deposits | 121.1058% | 268 |
| Total domestic deposits to total assets | 68.5484% | 6,838 |
| Equity capital to assets | 9.6941% | 4,595 |
| Core capital (leverage) ratio | 10.2548% | 3,070 |
| Tier 1 risk-based capital ratio | 16.1754% | 3,063 |
| Total risk-based capital ratio | 17.1662% | 3,170 |
| Memoranda: | ||
| Average total assets | $766,172,000 | 870 |
| Average earning assets | $718,516,600 | 831 |
| Average equity | $73,383,200 | 964 |
| Average total loans | $591,993,800 | 695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 3,151 |
| Cost of funding earning assets | 1.5717% | 144 |
| Net interest margin | 3.0426% | 6,078 |
| Noninterest income to average assets | 0.4904% | 3,981 |
| Noninterest expense to average assets | 2.5446% | 4,941 |
| Loan and lease loss provision to assets | 0.1229% | 4,016 |
| Net operating income to assets | 0.4712% | 4,953 |
| Return on assets (ROA) | 0.5623% | 4,824 |
| Pretax return on assets | 0.8064% | 4,460 |
| Return on Equity (ROE) | 5.8885% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.8885% | 2,771 |
| Net charge-offs to loans | 0.1781% | 3,683 |
| Credit loss provision to net charge-offs | 88.9029% | 3,329 |
| Earnings coverage of net charge-offs (x) | 5.7806% | 2,929 |
| Efficiency ratio | 76.0989% | 2,666 |
| Assets per employee ($millions) | 4.7777% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 6,692 |
| Loan loss allowance to noncurrent loans | 37.0329% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.8156% | 2,893 |
| Noncurrent loans to loans | 2.0127% | 2,832 |
| Net loans and leases to total assets | 75.4981% | 1,045 |
| Net loans and leases to deposits | 108.7812% | 180 |
| Net loans and leases to core deposits | 119.6971% | 317 |
| Total domestic deposits to total assets | 69.4037% | 6,872 |
| Equity capital to assets | 9.7703% | 4,818 |
| Core capital (leverage) ratio | 10.1584% | 3,340 |
| Tier 1 risk-based capital ratio | 16.8417% | 2,815 |
| Total risk-based capital ratio | 17.8728% | 2,900 |
| Memoranda: | ||
| Average total assets | $764,741,250 | 876 |
| Average earning assets | $717,180,750 | 841 |
| Average equity | $73,022,000 | 973 |
| Average total loans | $593,627,750 | 694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 2,932 |
| Cost of funding earning assets | 1.5863% | 164 |
| Net interest margin | 3.1095% | 5,977 |
| Noninterest income to average assets | 0.2906% | 5,480 |
| Noninterest expense to average assets | 2.4479% | 5,299 |
| Loan and lease loss provision to assets | 0.1271% | 3,931 |
| Net operating income to assets | 0.4407% | 5,075 |
| Return on assets (ROA) | 0.5330% | 4,944 |
| Pretax return on assets | 0.7623% | 4,596 |
| Return on Equity (ROE) | 5.6257% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.6257% | 2,913 |
| Net charge-offs to loans | 0.1663% | 3,610 |
| Credit loss provision to net charge-offs | 97.7823% | 2,834 |
| Earnings coverage of net charge-offs (x) | 5.8286% | 2,746 |
| Efficiency ratio | 76.3672% | 2,692 |
| Assets per employee ($millions) | 4.4913% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 6,767 |
| Loan loss allowance to noncurrent loans | 37.9998% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 3,086 |
| Noncurrent loans to loans | 1.9610% | 2,989 |
| Net loans and leases to total assets | 76.9700% | 845 |
| Net loans and leases to deposits | 109.5146% | 157 |
| Net loans and leases to core deposits | 122.0165% | 276 |
| Total domestic deposits to total assets | 70.2828% | 6,895 |
| Equity capital to assets | 9.5667% | 4,955 |
| Core capital (leverage) ratio | 10.0533% | 3,351 |
| Tier 1 risk-based capital ratio | 16.2877% | 3,008 |
| Total risk-based capital ratio | 17.2891% | 3,112 |
| Memoranda: | ||
| Average total assets | $763,252,670 | 873 |
| Average earning assets | $715,491,670 | 841 |
| Average equity | $72,311,330 | 972 |
| Average total loans | $596,471,000 | 691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,764 |
| Cost of funding earning assets | 1.6083% | 183 |
| Net interest margin | 3.1617% | 5,873 |
| Noninterest income to average assets | 0.2702% | 5,717 |
| Noninterest expense to average assets | 2.5087% | 5,122 |
| Loan and lease loss provision to assets | 0.1262% | 3,770 |
| Net operating income to assets | 0.4195% | 5,168 |
| Return on assets (ROA) | 0.5299% | 4,900 |
| Pretax return on assets | 0.7560% | 4,584 |
| Return on Equity (ROE) | 5.6210% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.6210% | 3,187 |
| Net charge-offs to loans | 0.3712% | 2,199 |
| Credit loss provision to net charge-offs | 43.3213% | 3,390 |
| Earnings coverage of net charge-offs (x) | 2.4874% | 3,174 |
| Efficiency ratio | 77.5935% | 2,551 |
| Assets per employee ($millions) | 4.5623% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 6,881 |
| Loan loss allowance to noncurrent loans | 39.6757% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 3,261 |
| Noncurrent loans to loans | 1.7544% | 3,480 |
| Net loans and leases to total assets | 77.4271% | 646 |
| Net loans and leases to deposits | 110.5426% | 133 |
| Net loans and leases to core deposits | 121.7398% | 286 |
| Total domestic deposits to total assets | 70.0427% | 6,976 |
| Equity capital to assets | 9.4968% | 4,813 |
| Core capital (leverage) ratio | 9.9589% | 3,411 |
| Tier 1 risk-based capital ratio | 16.0524% | 3,149 |
| Total risk-based capital ratio | 17.0243% | 3,272 |
| Memoranda: | ||
| Average total assets | $760,873,500 | 876 |
| Average earning assets | $713,038,500 | 845 |
| Average equity | $71,730,500 | 973 |
| Average total loans | $596,918,500 | 694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 3,149 |
| Cost of funding earning assets | 1.7858% | 229 |
| Net interest margin | 3.1553% | 6,204 |
| Noninterest income to average assets | 0.2319% | 5,877 |
| Noninterest expense to average assets | 2.3406% | 5,939 |
| Loan and lease loss provision to assets | 0.2396% | 3,812 |
| Net operating income to assets | 0.4318% | 4,728 |
| Return on assets (ROA) | 0.5420% | 4,456 |
| Pretax return on assets | 0.7487% | 4,160 |
| Return on Equity (ROE) | 5.7447% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.7447% | 2,153 |
| Net charge-offs to loans | 0.1772% | 4,731 |
| Credit loss provision to net charge-offs | 173.1801% | 1,526 |
| Earnings coverage of net charge-offs (x) | 6.0374% | 2,613 |
| Efficiency ratio | 73.7013% | 3,281 |
| Assets per employee ($millions) | 4.4961% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 6,849 |
| Loan loss allowance to noncurrent loans | 37.2332% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 1.8981% | 3,109 |
| Noncurrent loans to loans | 1.9922% | 3,216 |
| Net loans and leases to total assets | 78.3495% | 671 |
| Net loans and leases to deposits | 114.2427% | 117 |
| Net loans and leases to core deposits | 126.4442% | 273 |
| Total domestic deposits to total assets | 68.5816% | 7,046 |
| Equity capital to assets | 9.3578% | 5,078 |
| Core capital (leverage) ratio | 9.8459% | 3,522 |
| Tier 1 risk-based capital ratio | 15.8451% | 3,132 |
| Total risk-based capital ratio | 16.8479% | 3,225 |
| Memoranda: | ||
| Average total assets | $754,668,000 | 873 |
| Average earning assets | $704,110,800 | 852 |
| Average equity | $71,195,600 | 945 |
| Average total loans | $589,227,200 | 713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 3,289 |
| Cost of funding earning assets | 1.8268% | 240 |
| Net interest margin | 3.1333% | 6,335 |
| Noninterest income to average assets | 0.2141% | 6,079 |
| Noninterest expense to average assets | 2.3012% | 6,030 |
| Loan and lease loss provision to assets | 0.2465% | 3,540 |
| Net operating income to assets | 0.4271% | 4,869 |
| Return on assets (ROA) | 0.5111% | 4,686 |
| Pretax return on assets | 0.7040% | 4,466 |
| Return on Equity (ROE) | 5.4067% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4067% | 2,905 |
| Net charge-offs to loans | 0.2005% | 4,195 |
| Credit loss provision to net charge-offs | 157.9365% | 1,965 |
| Earnings coverage of net charge-offs (x) | 5.3526% | 2,811 |
| Efficiency ratio | 73.3638% | 3,304 |
| Assets per employee ($millions) | 4.5384% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 6,956 |
| Loan loss allowance to noncurrent loans | 27.6053% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0544% | 3,068 |
| Noncurrent loans to loans | 2.5462% | 2,721 |
| Net loans and leases to total assets | 78.6822% | 644 |
| Net loans and leases to deposits | 113.8228% | 135 |
| Net loans and leases to core deposits | 126.3225% | 286 |
| Total domestic deposits to total assets | 69.1269% | 7,082 |
| Equity capital to assets | 9.6281% | 4,894 |
| Core capital (leverage) ratio | 9.6682% | 3,889 |
| Tier 1 risk-based capital ratio | 15.5123% | 3,379 |
| Total risk-based capital ratio | 16.4212% | 3,533 |
| Memoranda: | ||
| Average total assets | $753,373,000 | 876 |
| Average earning assets | $702,714,750 | 859 |
| Average equity | $71,218,250 | 954 |
| Average total loans | $586,587,500 | 721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 3,446 |
| Cost of funding earning assets | 1.8677% | 241 |
| Net interest margin | 3.0715% | 6,462 |
| Noninterest income to average assets | 0.1927% | 6,290 |
| Noninterest expense to average assets | 2.3192% | 6,070 |
| Loan and lease loss provision to assets | 0.2902% | 3,067 |
| Net operating income to assets | 0.3314% | 5,240 |
| Return on assets (ROA) | 0.4359% | 4,930 |
| Pretax return on assets | 0.5886% | 4,777 |
| Return on Equity (ROE) | 4.6398% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.6398% | 3,229 |
| Net charge-offs to loans | 0.1296% | 4,439 |
| Credit loss provision to net charge-offs | 289.1534% | 1,059 |
| Earnings coverage of net charge-offs (x) | 7.3492% | 2,243 |
| Efficiency ratio | 75.8729% | 3,040 |
| Assets per employee ($millions) | 4.4731% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 6,967 |
| Loan loss allowance to noncurrent loans | 26.5204% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.6651% | 2,505 |
| Noncurrent loans to loans | 2.7925% | 2,603 |
| Net loans and leases to total assets | 78.0111% | 782 |
| Net loans and leases to deposits | 114.7852% | 120 |
| Net loans and leases to core deposits | 126.7499% | 305 |
| Total domestic deposits to total assets | 67.9627% | 7,192 |
| Equity capital to assets | 9.5014% | 4,811 |
| Core capital (leverage) ratio | 9.5232% | 3,923 |
| Tier 1 risk-based capital ratio | 15.2513% | 3,371 |
| Total risk-based capital ratio | 16.2720% | 3,455 |
| Memoranda: | ||
| Average total assets | $753,372,330 | 885 |
| Average earning assets | $702,452,670 | 870 |
| Average equity | $70,779,000 | 962 |
| Average total loans | $583,127,330 | 736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 3,635 |
| Cost of funding earning assets | 1.9279% | 221 |
| Net interest margin | 2.9632% | 6,650 |
| Noninterest income to average assets | 0.2351% | 6,031 |
| Noninterest expense to average assets | 2.3370% | 6,087 |
| Loan and lease loss provision to assets | 0.1409% | 4,244 |
| Net operating income to assets | 0.3886% | 4,999 |
| Return on assets (ROA) | 0.4686% | 4,712 |
| Pretax return on assets | 0.6388% | 4,538 |
| Return on Equity (ROE) | 5.0160% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.0160% | 3,186 |
| Net charge-offs to loans | 0.1537% | 3,568 |
| Credit loss provision to net charge-offs | 119.3694% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.6757% | 2,232 |
| Efficiency ratio | 77.7149% | 2,888 |
| Assets per employee ($millions) | 4.5610% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 7,154 |
| Loan loss allowance to noncurrent loans | 20.6354% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,645 |
| Noncurrent loans to loans | 3.1059% | 2,414 |
| Net loans and leases to total assets | 76.7941% | 903 |
| Net loans and leases to deposits | 116.1183% | 117 |
| Net loans and leases to core deposits | 128.3995% | 288 |
| Total domestic deposits to total assets | 66.1344% | 7,324 |
| Equity capital to assets | 9.3918% | 4,591 |
| Core capital (leverage) ratio | 9.4888% | 3,827 |
| Tier 1 risk-based capital ratio | 15.2998% | 3,256 |
| Total risk-based capital ratio | 16.1860% | 3,421 |
| Memoranda: | ||
| Average total assets | $752,078,500 | 892 |
| Average earning assets | $703,566,500 | 868 |
| Average equity | $70,255,000 | 960 |
| Average total loans | $577,624,500 | 756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 3,364 |
| Cost of funding earning assets | 2.1847% | 317 |
| Net interest margin | 3.0645% | 6,607 |
| Noninterest income to average assets | 0.2823% | 5,754 |
| Noninterest expense to average assets | 2.2959% | 6,369 |
| Loan and lease loss provision to assets | 0.1971% | 5,263 |
| Net operating income to assets | 0.4717% | 4,222 |
| Return on assets (ROA) | 0.5398% | 4,077 |
| Pretax return on assets | 0.7428% | 3,822 |
| Return on Equity (ROE) | 6.0229% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.0229% | 1,799 |
| Net charge-offs to loans | 0.1851% | 5,195 |
| Credit loss provision to net charge-offs | 134.8263% | 2,893 |
| Earnings coverage of net charge-offs (x) | 5.7925% | 2,534 |
| Efficiency ratio | 73.0581% | 3,585 |
| Assets per employee ($millions) | 4.5005% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 7,210 |
| Loan loss allowance to noncurrent loans | 22.8470% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 2.3630% | 2,907 |
| Noncurrent loans to loans | 2.8119% | 2,712 |
| Net loans and leases to total assets | 75.8271% | 1,313 |
| Net loans and leases to deposits | 114.6229% | 164 |
| Net loans and leases to core deposits | 127.0982% | 373 |
| Total domestic deposits to total assets | 66.1536% | 7,386 |
| Equity capital to assets | 9.2910% | 4,701 |
| Core capital (leverage) ratio | 9.8686% | 3,245 |
| Tier 1 risk-based capital ratio | 16.0487% | 2,728 |
| Total risk-based capital ratio | 16.9171% | 2,877 |
| Memoranda: | ||
| Average total assets | $748,479,800 | 904 |
| Average earning assets | $698,582,000 | 883 |
| Average equity | $67,077,800 | 999 |
| Average total loans | $591,114,800 | 754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 3,323 |
| Cost of funding earning assets | 2.2299% | 353 |
| Net interest margin | 3.0770% | 6,665 |
| Noninterest income to average assets | 0.2603% | 6,036 |
| Noninterest expense to average assets | 2.2846% | 6,377 |
| Loan and lease loss provision to assets | 0.1730% | 5,311 |
| Net operating income to assets | 0.4884% | 4,370 |
| Return on assets (ROA) | 0.5567% | 4,229 |
| Pretax return on assets | 0.7671% | 4,023 |
| Return on Equity (ROE) | 6.2699% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.2699% | 2,222 |
| Net charge-offs to loans | 0.1650% | 4,995 |
| Credit loss provision to net charge-offs | 131.6147% | 3,067 |
| Earnings coverage of net charge-offs (x) | 6.4410% | 2,525 |
| Efficiency ratio | 72.9654% | 3,534 |
| Assets per employee ($millions) | 4.6835% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 7,346 |
| Loan loss allowance to noncurrent loans | 26.9301% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 1.9777% | 3,495 |
| Noncurrent loans to loans | 2.2408% | 3,401 |
| Net loans and leases to total assets | 77.7446% | 1,078 |
| Net loans and leases to deposits | 115.0064% | 173 |
| Net loans and leases to core deposits | 127.5526% | 421 |
| Total domestic deposits to total assets | 67.6003% | 7,404 |
| Equity capital to assets | 9.1131% | 5,426 |
| Core capital (leverage) ratio | 9.7593% | 3,537 |
| Tier 1 risk-based capital ratio | 15.6439% | 2,932 |
| Total risk-based capital ratio | 16.4336% | 3,138 |
| Memoranda: | ||
| Average total assets | $747,703,250 | 905 |
| Average earning assets | $697,591,750 | 884 |
| Average equity | $66,389,750 | 1,010 |
| Average total loans | $595,495,750 | 749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3322% | 3,306 |
| Cost of funding earning assets | 2.2894% | 350 |
| Net interest margin | 3.0428% | 6,742 |
| Noninterest income to average assets | 0.2216% | 6,332 |
| Noninterest expense to average assets | 2.2606% | 6,476 |
| Loan and lease loss provision to assets | 0.1941% | 4,938 |
| Net operating income to assets | 0.4390% | 4,586 |
| Return on assets (ROA) | 0.5372% | 4,307 |
| Pretax return on assets | 0.7393% | 4,110 |
| Return on Equity (ROE) | 6.1044% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.1044% | 2,277 |
| Net charge-offs to loans | 0.2095% | 4,356 |
| Credit loss provision to net charge-offs | 115.6300% | 3,508 |
| Earnings coverage of net charge-offs (x) | 4.7592% | 2,857 |
| Efficiency ratio | 73.8910% | 3,495 |
| Assets per employee ($millions) | 4.5601% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 7,447 |
| Loan loss allowance to noncurrent loans | 22.2863% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 3,336 |
| Noncurrent loans to loans | 2.5564% | 3,097 |
| Net loans and leases to total assets | 79.3909% | 892 |
| Net loans and leases to deposits | 118.9522% | 135 |
| Net loans and leases to core deposits | 131.8946% | 389 |
| Total domestic deposits to total assets | 66.7419% | 7,497 |
| Equity capital to assets | 8.9359% | 5,545 |
| Core capital (leverage) ratio | 9.5836% | 3,697 |
| Tier 1 risk-based capital ratio | 15.1925% | 3,062 |
| Total risk-based capital ratio | 15.9307% | 3,312 |
| Memoranda: | ||
| Average total assets | $747,149,670 | 911 |
| Average earning assets | $696,786,670 | 886 |
| Average equity | $65,756,330 | 1,012 |
| Average total loans | $598,618,670 | 750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 3,324 |
| Cost of funding earning assets | 2.3595% | 350 |
| Net interest margin | 2.9844% | 6,863 |
| Noninterest income to average assets | 0.2110% | 6,452 |
| Noninterest expense to average assets | 2.2164% | 6,647 |
| Loan and lease loss provision to assets | 0.1527% | 5,015 |
| Net operating income to assets | 0.4543% | 4,599 |
| Return on assets (ROA) | 0.5067% | 4,503 |
| Pretax return on assets | 0.6942% | 4,254 |
| Return on Equity (ROE) | 5.8018% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.8018% | 2,712 |
| Net charge-offs to loans | 0.0734% | 4,684 |
| Credit loss provision to net charge-offs | 259.0909% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.1545% | 1,519 |
| Efficiency ratio | 74.0913% | 3,561 |
| Assets per employee ($millions) | 4.7056% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 7,516 |
| Loan loss allowance to noncurrent loans | 21.4713% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2479% | 3,216 |
| Noncurrent loans to loans | 2.7277% | 2,927 |
| Net loans and leases to total assets | 78.9270% | 988 |
| Net loans and leases to deposits | 120.3481% | 132 |
| Net loans and leases to core deposits | 133.3088% | 419 |
| Total domestic deposits to total assets | 65.5822% | 7,629 |
| Equity capital to assets | 8.8073% | 5,540 |
| Core capital (leverage) ratio | 9.5017% | 3,770 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,109 |
| Total risk-based capital ratio | 15.8067% | 3,314 |
| Memoranda: | ||
| Average total assets | $746,799,000 | 926 |
| Average earning assets | $695,743,500 | 903 |
| Average equity | $65,221,000 | 1,023 |
| Average total loans | $599,364,000 | 771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6665% | 3,271 |
| Cost of funding earning assets | 3.0022% | 226 |
| Net interest margin | 2.6644% | 7,257 |
| Noninterest income to average assets | 0.2625% | 6,239 |
| Noninterest expense to average assets | 2.2627% | 6,841 |
| Loan and lease loss provision to assets | 0.1803% | 5,898 |
| Net operating income to assets | 0.2376% | 4,767 |
| Return on assets (ROA) | 0.2759% | 4,713 |
| Pretax return on assets | 0.3496% | 4,645 |
| Return on Equity (ROE) | 3.3209% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.3209% | 2,847 |
| Net charge-offs to loans | 0.1260% | 5,935 |
| Credit loss provision to net charge-offs | 176.5092% | 2,372 |
| Earnings coverage of net charge-offs (x) | 4.7139% | 2,840 |
| Efficiency ratio | 82.4532% | 2,551 |
| Assets per employee ($millions) | 4.5730% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 7,622 |
| Loan loss allowance to noncurrent loans | 29.6589% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 4,013 |
| Noncurrent loans to loans | 1.8422% | 3,872 |
| Net loans and leases to total assets | 80.6835% | 879 |
| Net loans and leases to deposits | 122.6589% | 142 |
| Net loans and leases to core deposits | 167.9269% | 255 |
| Total domestic deposits to total assets | 65.7788% | 7,650 |
| Equity capital to assets | 8.6592% | 5,647 |
| Core capital (leverage) ratio | 9.4106% | 3,821 |
| Tier 1 risk-based capital ratio | 14.8305% | 3,034 |
| Total risk-based capital ratio | 15.5480% | 3,270 |
| Memoranda: | ||
| Average total assets | $745,976,000 | 917 |
| Average earning assets | $694,835,200 | 897 |
| Average equity | $61,970,600 | 1,066 |
| Average total loans | $604,824,200 | 778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 3,314 |
| Cost of funding earning assets | 3.0977% | 244 |
| Net interest margin | 2.6078% | 7,346 |
| Noninterest income to average assets | 0.2772% | 6,254 |
| Noninterest expense to average assets | 2.2598% | 6,812 |
| Loan and lease loss provision to assets | 0.1573% | 5,779 |
| Net operating income to assets | 0.2357% | 5,037 |
| Return on assets (ROA) | 0.2466% | 5,083 |
| Pretax return on assets | 0.3050% | 5,051 |
| Return on Equity (ROE) | 3.0002% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.0002% | 3,651 |
| Net charge-offs to loans | 0.0983% | 5,688 |
| Credit loss provision to net charge-offs | 197.3094% | 2,275 |
| Earnings coverage of net charge-offs (x) | 5.6323% | 2,770 |
| Efficiency ratio | 83.4279% | 2,365 |
| Assets per employee ($millions) | 4.6443% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 7,684 |
| Loan loss allowance to noncurrent loans | 27.2594% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 3,870 |
| Noncurrent loans to loans | 1.9198% | 3,744 |
| Net loans and leases to total assets | 80.7053% | 1,042 |
| Net loans and leases to deposits | 120.5825% | 192 |
| Net loans and leases to core deposits | 166.0927% | 304 |
| Total domestic deposits to total assets | 66.9295% | 7,641 |
| Equity capital to assets | 8.5398% | 6,203 |
| Core capital (leverage) ratio | 9.2039% | 4,330 |
| Tier 1 risk-based capital ratio | 14.7153% | 3,177 |
| Total risk-based capital ratio | 15.3999% | 3,412 |
| Memoranda: | ||
| Average total assets | $746,120,000 | 926 |
| Average earning assets | $695,682,000 | 908 |
| Average equity | $61,326,750 | 1,099 |
| Average total loans | $604,850,500 | 794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 3,284 |
| Cost of funding earning assets | 3.1670% | 291 |
| Net interest margin | 2.5848% | 7,376 |
| Noninterest income to average assets | 0.2749% | 6,299 |
| Noninterest expense to average assets | 2.2872% | 6,789 |
| Loan and lease loss provision to assets | 0.1446% | 5,625 |
| Net operating income to assets | 0.2032% | 5,252 |
| Return on assets (ROA) | 0.2436% | 5,206 |
| Pretax return on assets | 0.2982% | 5,215 |
| Return on Equity (ROE) | 3.0025% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.0025% | 3,650 |
| Net charge-offs to loans | 0.1377% | 4,791 |
| Credit loss provision to net charge-offs | 129.4964% | 3,591 |
| Earnings coverage of net charge-offs (x) | 3.5252% | 3,409 |
| Efficiency ratio | 85.3206% | 2,321 |
| Assets per employee ($millions) | 4.5689% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 7,818 |
| Loan loss allowance to noncurrent loans | 20.0310% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9816% | 3,222 |
| Noncurrent loans to loans | 2.3608% | 3,067 |
| Net loans and leases to total assets | 79.8841% | 1,334 |
| Net loans and leases to deposits | 121.5598% | 209 |
| Net loans and leases to core deposits | 168.4907% | 339 |
| Total domestic deposits to total assets | 65.7159% | 7,755 |
| Equity capital to assets | 8.2287% | 6,447 |
| Core capital (leverage) ratio | 9.0422% | 4,564 |
| Tier 1 risk-based capital ratio | 14.4311% | 3,288 |
| Total risk-based capital ratio | 15.0423% | 3,569 |
| Memoranda: | ||
| Average total assets | $747,128,670 | 940 |
| Average earning assets | $695,368,330 | 923 |
| Average equity | $60,616,000 | 1,130 |
| Average total loans | $605,510,330 | 812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8008% | 3,300 |
| Cost of funding earning assets | 3.2075% | 335 |
| Net interest margin | 2.5933% | 7,375 |
| Noninterest income to average assets | 0.2247% | 6,668 |
| Noninterest expense to average assets | 2.1752% | 6,934 |
| Loan and lease loss provision to assets | 0.0911% | 5,789 |
| Net operating income to assets | 0.2794% | 5,370 |
| Return on assets (ROA) | 0.3458% | 5,272 |
| Pretax return on assets | 0.4541% | 5,232 |
| Return on Equity (ROE) | 4.2932% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.2932% | 3,521 |
| Net charge-offs to loans | 0.0981% | 4,196 |
| Credit loss provision to net charge-offs | 114.0940% | 3,405 |
| Earnings coverage of net charge-offs (x) | 5.7315% | 2,615 |
| Efficiency ratio | 82.6105% | 2,463 |
| Assets per employee ($millions) | 4.7514% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 7,891 |
| Loan loss allowance to noncurrent loans | 16.4843% | 7,335 |
| Noncurrent assets plus other real estate owned to assets | 2.2971% | 2,501 |
| Noncurrent loans to loans | 2.7381% | 2,391 |
| Net loans and leases to total assets | 80.0526% | 1,381 |
| Net loans and leases to deposits | 123.2705% | 226 |
| Net loans and leases to core deposits | 171.4713% | 323 |
| Total domestic deposits to total assets | 64.9405% | 7,795 |
| Equity capital to assets | 7.9343% | 6,912 |
| Core capital (leverage) ratio | 8.9373% | 4,813 |
| Tier 1 risk-based capital ratio | 13.9410% | 3,624 |
| Total risk-based capital ratio | 14.5189% | 3,931 |
| Memoranda: | ||
| Average total assets | $746,041,000 | 935 |
| Average earning assets | $692,870,000 | 924 |
| Average equity | $60,095,000 | 1,144 |
| Average total loans | $607,556,000 | 810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1505% | 4,776 |
| Cost of funding earning assets | 3.5923% | 396 |
| Net interest margin | 2.5581% | 7,687 |
| Noninterest income to average assets | 0.2255% | 6,827 |
| Noninterest expense to average assets | 1.9901% | 7,457 |
| Loan and lease loss provision to assets | 0.0149% | 7,191 |
| Net operating income to assets | 0.4294% | 5,031 |
| Return on assets (ROA) | -0.2415% | 6,515 |
| Pretax return on assets | -0.4445% | 6,598 |
| Return on Equity (ROE) | -2.6248% | 6,577 |
| Retained earnings to average equity (ytd only) | -2.6248% | 6,020 |
| Net charge-offs to loans | 0.0172% | 6,630 |
| Credit loss provision to net charge-offs | 108.0808% | 4,973 |
| Earnings coverage of net charge-offs (x) | 44.9495% | 825 |
| Efficiency ratio | 76.2844% | 3,190 |
| Assets per employee ($millions) | 4.7219% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4478% | 7,921 |
| Loan loss allowance to noncurrent loans | 37.8600% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 4,394 |
| Noncurrent loans to loans | 1.1828% | 4,150 |
| Net loans and leases to total assets | 82.1159% | 1,208 |
| Net loans and leases to deposits | 131.3255% | 195 |
| Net loans and leases to core deposits | 178.7719% | 301 |
| Total domestic deposits to total assets | 62.5286% | 7,861 |
| Equity capital to assets | 8.1791% | 6,580 |
| Core capital (leverage) ratio | 9.1553% | 4,515 |
| Tier 1 risk-based capital ratio | 14.0393% | 3,530 |
| Total risk-based capital ratio | 14.6168% | 3,796 |
| Memoranda: | ||
| Average total assets | $719,245,800 | 928 |
| Average earning assets | $670,096,400 | 910 |
| Average equity | $66,176,000 | 1,009 |
| Average total loans | $575,390,200 | 832 |