Home > Salem Co-operative Bank > Performance and Condition Ratios
Salem Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 4,008 |
| Cost of funding earning assets | 2.0946% | 789 |
| Net interest margin | 1.8749% | 4,448 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.2518% | 2,978 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | -0.1900% | 4,460 |
| Return on assets (ROA) | -0.1900% | 4,445 |
| Pretax return on assets | -0.3113% | 4,460 |
| Return on Equity (ROE) | -1.4800% | 4,404 |
| Retained earnings to average equity (ytd only) | -1.4827% | 4,229 |
| Net charge-offs to loans | 0.0286% | 1,731 |
| Credit loss provision to net charge-offs | -86.8852% | 4,471 |
| Earnings coverage of net charge-offs (x) | -14.5984% | 4,558 |
| Efficiency ratio | 118.2648% | 80 |
| Assets per employee ($millions) | 8.7240% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,168 |
| Loan loss allowance to noncurrent loans | 254.6689% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,136 |
| Noncurrent loans to loans | 0.2598% | 2,252 |
| Net loans and leases to total assets | 83.2700% | 322 |
| Net loans and leases to deposits | 116.3653% | 110 |
| Net loans and leases to core deposits | 136.9878% | 300 |
| Total domestic deposits to total assets | 71.5600% | 4,242 |
| Equity capital to assets | 12.0469% | 1,113 |
| Core capital (leverage) ratio | 13.5942% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0590% | 605 |
| Memoranda: | ||
| Average total assets | $512,115,600 | 1,705 |
| Average earning assets | $477,187,200 | 1,695 |
| Average equity | $65,622,600 | 1,310 |
| Average total loans | $426,927,600 | 1,407 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,996 |
| Cost of funding earning assets | 1.9475% | 787 |
| Net interest margin | 1.9507% | 4,457 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.2949% | 2,808 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | -0.1996% | 4,494 |
| Return on assets (ROA) | -0.1996% | 4,480 |
| Pretax return on assets | -0.3113% | 4,491 |
| Return on Equity (ROE) | -1.5300% | 4,443 |
| Retained earnings to average equity (ytd only) | -1.5333% | 4,293 |
| Net charge-offs to loans | 0.0260% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -14.7073% | 4,604 |
| Efficiency ratio | 116.1122% | 84 |
| Assets per employee ($millions) | 8.4745% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,116 |
| Loan loss allowance to noncurrent loans | 285.7402% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,215 |
| Noncurrent loans to loans | 0.2488% | 2,347 |
| Net loans and leases to total assets | 83.6200% | 313 |
| Net loans and leases to deposits | 112.1415% | 160 |
| Net loans and leases to core deposits | 130.9978% | 329 |
| Total domestic deposits to total assets | 74.5600% | 4,118 |
| Equity capital to assets | 12.2735% | 974 |
| Core capital (leverage) ratio | 13.4373% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0096% | 627 |
| Memoranda: | ||
| Average total assets | $504,922,750 | 1,721 |
| Average earning assets | $470,254,500 | 1,707 |
| Average equity | $65,738,250 | 1,298 |
| Average total loans | $420,316,500 | 1,414 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,023 |
| Cost of funding earning assets | 1.7609% | 802 |
| Net interest margin | 2.0342% | 4,485 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.3578% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1795% | 4,529 |
| Return on assets (ROA) | -0.1795% | 4,514 |
| Pretax return on assets | -0.2999% | 4,530 |
| Return on Equity (ROE) | -1.3500% | 4,478 |
| Retained earnings to average equity (ytd only) | -1.3514% | 4,243 |
| Net charge-offs to loans | -0.0029% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 114.5756% | 81 |
| Assets per employee ($millions) | 8.3831% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,087 |
| Loan loss allowance to noncurrent loans | 262.9268% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 1,991 |
| Noncurrent loans to loans | 0.2887% | 2,102 |
| Net loans and leases to total assets | 82.6700% | 355 |
| Net loans and leases to deposits | 111.1134% | 185 |
| Net loans and leases to core deposits | 126.1010% | 385 |
| Total domestic deposits to total assets | 74.4000% | 4,166 |
| Equity capital to assets | 12.8867% | 838 |
| Core capital (leverage) ratio | 14.0072% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8652% | 561 |
| Memoranda: | ||
| Average total assets | $498,091,667 | 1,735 |
| Average earning assets | $463,976,000 | 1,728 |
| Average equity | $66,155,333 | 1,291 |
| Average total loans | $412,930,000 | 1,422 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,013 |
| Cost of funding earning assets | 1.6025% | 695 |
| Net interest margin | 2.1026% | 4,533 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.4841% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2043% | 4,552 |
| Return on assets (ROA) | -0.2043% | 4,539 |
| Pretax return on assets | -0.3646% | 4,552 |
| Return on Equity (ROE) | -1.5100% | 4,497 |
| Retained earnings to average equity (ytd only) | -1.5147% | 4,176 |
| Net charge-offs to loans | 0.0482% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -9.1429% | 4,664 |
| Efficiency ratio | 117.2043% | 77 |
| Assets per employee ($millions) | 7.8678% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 4,179 |
| Loan loss allowance to noncurrent loans | 251.7241% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 1,892 |
| Noncurrent loans to loans | 0.2977% | 2,079 |
| Net loans and leases to total assets | 81.9300% | 382 |
| Net loans and leases to deposits | 104.5428% | 292 |
| Net loans and leases to core deposits | 119.7632% | 444 |
| Total domestic deposits to total assets | 78.3700% | 3,961 |
| Equity capital to assets | 13.4177% | 680 |
| Core capital (leverage) ratio | 14.3422% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0544% | 497 |
| Memoranda: | ||
| Average total assets | $491,452,000 | 1,761 |
| Average earning assets | $458,280,500 | 1,750 |
| Average equity | $66,283,500 | 1,300 |
| Average total loans | $406,398,000 | 1,460 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 3,321 |
| Cost of funding earning assets | 0.5739% | 999 |
| Net interest margin | 2.8355% | 3,819 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.5405% | 1,992 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.2458% | 4,415 |
| Return on assets (ROA) | 0.2458% | 4,394 |
| Pretax return on assets | 0.3056% | 4,374 |
| Return on Equity (ROE) | 1.6900% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.6891% | 4,049 |
| Net charge-offs to loans | 0.0154% | 1,814 |
| Credit loss provision to net charge-offs | 175.8621% | 1,192 |
| Earnings coverage of net charge-offs (x) | 26.4138% | 1,756 |
| Efficiency ratio | 88.5842% | 336 |
| Assets per employee ($millions) | 7.8586% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,090 |
| Loan loss allowance to noncurrent loans | 353.4620% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,284 |
| Noncurrent loans to loans | 0.2183% | 2,399 |
| Net loans and leases to total assets | 82.2000% | 390 |
| Net loans and leases to deposits | 103.7913% | 311 |
| Net loans and leases to core deposits | 118.2163% | 399 |
| Total domestic deposits to total assets | 79.2000% | 3,980 |
| Equity capital to assets | 13.5580% | 623 |
| Core capital (leverage) ratio | 14.6593% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0970% | 472 |
| Memoranda: | ||
| Average total assets | $467,942,800 | 1,812 |
| Average earning assets | $437,026,600 | 1,797 |
| Average equity | $68,083,800 | 1,281 |
| Average total loans | $377,165,800 | 1,468 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 3,081 |
| Cost of funding earning assets | 0.4280% | 1,109 |
| Net interest margin | 2.9097% | 3,471 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.5315% | 1,919 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3167% | 4,366 |
| Return on assets (ROA) | 0.3167% | 4,317 |
| Pretax return on assets | 0.3938% | 4,269 |
| Return on Equity (ROE) | 2.1400% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.1383% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.6767% | 472 |
| Assets per employee ($millions) | 7.9740% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,060 |
| Loan loss allowance to noncurrent loans | 305.0000% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 2,159 |
| Noncurrent loans to loans | 0.2672% | 2,308 |
| Net loans and leases to total assets | 80.6900% | 471 |
| Net loans and leases to deposits | 96.9016% | 501 |
| Net loans and leases to core deposits | 107.9433% | 535 |
| Total domestic deposits to total assets | 83.2700% | 3,650 |
| Equity capital to assets | 13.8719% | 575 |
| Core capital (leverage) ratio | 14.9118% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0539% | 427 |
| Memoranda: | ||
| Average total assets | $463,120,500 | 1,829 |
| Average earning assets | $432,657,500 | 1,817 |
| Average equity | $68,590,000 | 1,283 |
| Average total loans | $370,551,000 | 1,477 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 2,841 |
| Cost of funding earning assets | 0.3327% | 1,416 |
| Net interest margin | 2.9356% | 3,072 |
| Noninterest income to average assets | 0.2672% | 3,569 |
| Noninterest expense to average assets | 2.5191% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3830% | 4,140 |
| Return on assets (ROA) | 0.3830% | 4,089 |
| Pretax return on assets | 0.4913% | 4,014 |
| Return on Equity (ROE) | 2.5299% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.5299% | 3,611 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6815% | 701 |
| Assets per employee ($millions) | 7.8316% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,159 |
| Loan loss allowance to noncurrent loans | 356.5621% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,443 |
| Noncurrent loans to loans | 0.2266% | 2,586 |
| Net loans and leases to total assets | 80.2019% | 386 |
| Net loans and leases to deposits | 101.3811% | 233 |
| Net loans and leases to core deposits | 111.2966% | 330 |
| Total domestic deposits to total assets | 79.1093% | 4,293 |
| Equity capital to assets | 14.3857% | 475 |
| Core capital (leverage) ratio | 15.3861% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6579% | 387 |
| Memoranda: | ||
| Average total assets | $458,013,333 | 1,849 |
| Average earning assets | $427,985,667 | 1,851 |
| Average equity | $69,330,333 | 1,303 |
| Average total loans | $364,325,000 | 1,491 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 2,605 |
| Cost of funding earning assets | 0.3573% | 1,147 |
| Net interest margin | 2.8708% | 2,924 |
| Noninterest income to average assets | 0.3115% | 3,235 |
| Noninterest expense to average assets | 2.6553% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2663% | 4,208 |
| Return on assets (ROA) | 0.2663% | 4,176 |
| Pretax return on assets | 0.3433% | 4,125 |
| Return on Equity (ROE) | 1.7152% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.7152% | 3,628 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5512% | 610 |
| Assets per employee ($millions) | 7.5234% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,163 |
| Loan loss allowance to noncurrent loans | 335.1528% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,433 |
| Noncurrent loans to loans | 0.2516% | 2,583 |
| Net loans and leases to total assets | 78.6712% | 326 |
| Net loans and leases to deposits | 97.8349% | 234 |
| Net loans and leases to core deposits | 106.3418% | 343 |
| Total domestic deposits to total assets | 80.4123% | 4,258 |
| Equity capital to assets | 15.1020% | 385 |
| Core capital (leverage) ratio | 15.8909% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9430% | 331 |
| Memoranda: | ||
| Average total assets | $452,071,000 | 1,874 |
| Average earning assets | $423,150,500 | 1,879 |
| Average equity | $70,196,500 | 1,329 |
| Average total loans | $356,519,000 | 1,503 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 3,405 |
| Cost of funding earning assets | 0.5976% | 553 |
| Net interest margin | 2.6320% | 3,993 |
| Noninterest income to average assets | 0.1961% | 4,185 |
| Noninterest expense to average assets | 2.3317% | 2,708 |
| Loan and lease loss provision to assets | -0.0106% | 4,177 |
| Net operating income to assets | 0.2890% | 4,432 |
| Return on assets (ROA) | 0.2890% | 4,457 |
| Pretax return on assets | 0.3422% | 4,446 |
| Return on Equity (ROE) | 1.9183% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.9183% | 4,000 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5498% | 407 |
| Assets per employee ($millions) | 7.0669% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,110 |
| Loan loss allowance to noncurrent loans | 332.6111% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,527 |
| Noncurrent loans to loans | 0.2645% | 2,658 |
| Net loans and leases to total assets | 77.6826% | 400 |
| Net loans and leases to deposits | 97.8321% | 255 |
| Net loans and leases to core deposits | 103.7466% | 413 |
| Total domestic deposits to total assets | 79.4040% | 4,271 |
| Equity capital to assets | 15.9666% | 384 |
| Core capital (leverage) ratio | 15.1971% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8370% | 319 |
| Memoranda: | ||
| Average total assets | $471,681,400 | 1,769 |
| Average earning assets | $442,130,600 | 1,756 |
| Average equity | $71,054,000 | 1,335 |
| Average total loans | $339,405,800 | 1,560 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 3,543 |
| Cost of funding earning assets | 0.6366% | 528 |
| Net interest margin | 2.5961% | 4,136 |
| Noninterest income to average assets | 0.1748% | 4,332 |
| Noninterest expense to average assets | 2.2245% | 2,996 |
| Loan and lease loss provision to assets | -0.0140% | 4,332 |
| Net operating income to assets | 0.3309% | 4,476 |
| Return on assets (ROA) | 0.3309% | 4,504 |
| Pretax return on assets | 0.3992% | 4,498 |
| Return on Equity (ROE) | 2.2276% | 4,564 |
| Retained earnings to average equity (ytd only) | 2.2276% | 4,129 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2382% | 462 |
| Assets per employee ($millions) | 7.6359% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,173 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,841 |
| Noncurrent loans to loans | 0.2670% | 2,853 |
| Net loans and leases to total assets | 71.0657% | 980 |
| Net loans and leases to deposits | 93.9968% | 417 |
| Net loans and leases to core deposits | 99.7165% | 596 |
| Total domestic deposits to total assets | 75.6044% | 4,566 |
| Equity capital to assets | 14.9014% | 555 |
| Core capital (leverage) ratio | 14.9147% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7467% | 312 |
| Memoranda: | ||
| Average total assets | $478,297,500 | 1,768 |
| Average earning assets | $448,618,250 | 1,766 |
| Average equity | $71,046,000 | 1,354 |
| Average total loans | $337,025,750 | 1,595 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2635% | 3,533 |
| Cost of funding earning assets | 0.6621% | 536 |
| Net interest margin | 2.6014% | 4,166 |
| Noninterest income to average assets | 0.1747% | 4,332 |
| Noninterest expense to average assets | 2.1417% | 3,266 |
| Loan and lease loss provision to assets | -0.0209% | 4,434 |
| Net operating income to assets | 0.4148% | 4,359 |
| Return on assets (ROA) | 0.4148% | 4,399 |
| Pretax return on assets | 0.4919% | 4,400 |
| Return on Equity (ROE) | 2.7953% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.7953% | 3,911 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9756% | 670 |
| Assets per employee ($millions) | 7.4688% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,121 |
| Loan loss allowance to noncurrent loans | 264.8835% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,723 |
| Noncurrent loans to loans | 0.3447% | 2,667 |
| Net loans and leases to total assets | 69.6913% | 1,238 |
| Net loans and leases to deposits | 95.0268% | 420 |
| Net loans and leases to core deposits | 100.9075% | 631 |
| Total domestic deposits to total assets | 73.3385% | 4,677 |
| Equity capital to assets | 14.9440% | 537 |
| Core capital (leverage) ratio | 14.6348% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2201% | 271 |
| Memoranda: | ||
| Average total assets | $477,375,667 | 1,765 |
| Average earning assets | $447,373,000 | 1,770 |
| Average equity | $70,833,000 | 1,346 |
| Average total loans | $334,387,333 | 1,612 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1799% | 3,722 |
| Cost of funding earning assets | 0.7250% | 503 |
| Net interest margin | 2.4550% | 4,360 |
| Noninterest income to average assets | 0.1694% | 4,348 |
| Noninterest expense to average assets | 2.2094% | 3,081 |
| Loan and lease loss provision to assets | -0.0419% | 4,636 |
| Net operating income to assets | 0.2566% | 4,579 |
| Return on assets (ROA) | 0.2566% | 4,606 |
| Pretax return on assets | 0.3018% | 4,598 |
| Return on Equity (ROE) | 1.7354% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.7354% | 4,068 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4737% | 386 |
| Assets per employee ($millions) | 7.8174% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 4,064 |
| Loan loss allowance to noncurrent loans | 250.2037% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,873 |
| Noncurrent loans to loans | 0.3732% | 2,754 |
| Net loans and leases to total assets | 67.2036% | 1,636 |
| Net loans and leases to deposits | 90.9122% | 654 |
| Net loans and leases to core deposits | 96.1635% | 873 |
| Total domestic deposits to total assets | 73.9214% | 4,677 |
| Equity capital to assets | 14.5255% | 563 |
| Core capital (leverage) ratio | 14.7970% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6942% | 332 |
| Memoranda: | ||
| Average total assets | $477,061,500 | 1,760 |
| Average earning assets | $446,927,000 | 1,755 |
| Average equity | $70,533,000 | 1,343 |
| Average total loans | $333,482,500 | 1,618 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 3,502 |
| Cost of funding earning assets | 1.0092% | 574 |
| Net interest margin | 2.7186% | 4,356 |
| Noninterest income to average assets | 0.1780% | 4,395 |
| Noninterest expense to average assets | 2.2460% | 3,552 |
| Loan and lease loss provision to assets | 0.0531% | 3,713 |
| Net operating income to assets | 0.3516% | 4,341 |
| Return on assets (ROA) | 0.3516% | 4,412 |
| Pretax return on assets | 0.4265% | 4,379 |
| Return on Equity (ROE) | 2.3430% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.3430% | 3,687 |
| Net charge-offs to loans | 0.0042% | 3,211 |
| Credit loss provision to net charge-offs | 1,640.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 148.2000% | 584 |
| Efficiency ratio | 82.4060% | 721 |
| Assets per employee ($millions) | 6.9036% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,122 |
| Loan loss allowance to noncurrent loans | 251.6129% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 2,982 |
| Noncurrent loans to loans | 0.3667% | 2,885 |
| Net loans and leases to total assets | 71.3724% | 1,383 |
| Net loans and leases to deposits | 102.2703% | 305 |
| Net loans and leases to core deposits | 108.8428% | 547 |
| Total domestic deposits to total assets | 69.7879% | 4,778 |
| Equity capital to assets | 15.0527% | 566 |
| Core capital (leverage) ratio | 14.7572% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7910% | 267 |
| Memoranda: | ||
| Average total assets | $463,574,400 | 1,655 |
| Average earning assets | $434,415,600 | 1,643 |
| Average equity | $69,569,200 | 1,299 |
| Average total loans | $356,215,200 | 1,492 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 3,650 |
| Cost of funding earning assets | 1.0756% | 583 |
| Net interest margin | 2.6915% | 4,475 |
| Noninterest income to average assets | 0.2098% | 4,222 |
| Noninterest expense to average assets | 2.2378% | 3,585 |
| Loan and lease loss provision to assets | 0.0725% | 3,417 |
| Net operating income to assets | 0.3399% | 4,377 |
| Return on assets (ROA) | 0.3399% | 4,433 |
| Pretax return on assets | 0.4221% | 4,405 |
| Return on Equity (ROE) | 2.2666% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.2666% | 3,838 |
| Net charge-offs to loans | 0.0055% | 2,940 |
| Credit loss provision to net charge-offs | 1,673.3333% | 568 |
| Earnings coverage of net charge-offs (x) | 114.2667% | 722 |
| Efficiency ratio | 81.9007% | 736 |
| Assets per employee ($millions) | 9.0902% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 4,130 |
| Loan loss allowance to noncurrent loans | 198.5388% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 2,813 |
| Noncurrent loans to loans | 0.4436% | 2,719 |
| Net loans and leases to total assets | 74.4111% | 1,324 |
| Net loans and leases to deposits | 106.1778% | 318 |
| Net loans and leases to core deposits | 112.7783% | 602 |
| Total domestic deposits to total assets | 70.0817% | 4,755 |
| Equity capital to assets | 14.8332% | 674 |
| Core capital (leverage) ratio | 14.8152% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5608% | 319 |
| Memoranda: | ||
| Average total assets | $462,106,750 | 1,645 |
| Average earning assets | $433,098,500 | 1,630 |
| Average equity | $69,295,500 | 1,296 |
| Average total loans | $360,725,500 | 1,467 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 3,686 |
| Cost of funding earning assets | 1.1646% | 576 |
| Net interest margin | 2.7121% | 4,544 |
| Noninterest income to average assets | 0.2002% | 4,272 |
| Noninterest expense to average assets | 2.2421% | 3,676 |
| Loan and lease loss provision to assets | 0.0741% | 3,370 |
| Net operating income to assets | 0.3520% | 4,330 |
| Return on assets (ROA) | 0.3520% | 4,381 |
| Pretax return on assets | 0.4261% | 4,380 |
| Return on Equity (ROE) | 2.3384% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.3384% | 3,627 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7589% | 771 |
| Assets per employee ($millions) | 8.5860% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,251 |
| Loan loss allowance to noncurrent loans | 243.3572% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,234 |
| Noncurrent loans to loans | 0.3420% | 3,172 |
| Net loans and leases to total assets | 78.6076% | 769 |
| Net loans and leases to deposits | 113.0463% | 172 |
| Net loans and leases to core deposits | 120.4091% | 413 |
| Total domestic deposits to total assets | 69.5358% | 4,801 |
| Equity capital to assets | 14.9857% | 620 |
| Core capital (leverage) ratio | 14.8109% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4021% | 352 |
| Memoranda: | ||
| Average total assets | $458,579,000 | 1,630 |
| Average earning assets | $429,853,000 | 1,619 |
| Average equity | $69,022,333 | 1,286 |
| Average total loans | $362,681,000 | 1,449 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 3,992 |
| Cost of funding earning assets | 1.2803% | 594 |
| Net interest margin | 2.6411% | 4,724 |
| Noninterest income to average assets | 0.2096% | 4,293 |
| Noninterest expense to average assets | 2.2261% | 3,943 |
| Loan and lease loss provision to assets | 0.0658% | 2,943 |
| Net operating income to assets | 0.3237% | 4,298 |
| Return on assets (ROA) | 0.3237% | 4,326 |
| Pretax return on assets | 0.3947% | 4,300 |
| Return on Equity (ROE) | 2.1456% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.1456% | 3,388 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8599% | 912 |
| Assets per employee ($millions) | 7.9015% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 4,347 |
| Loan loss allowance to noncurrent loans | 213.0841% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,235 |
| Noncurrent loans to loans | 0.3868% | 3,105 |
| Net loans and leases to total assets | 77.8281% | 1,003 |
| Net loans and leases to deposits | 118.9122% | 88 |
| Net loans and leases to core deposits | 129.0685% | 285 |
| Total domestic deposits to total assets | 65.4501% | 4,972 |
| Equity capital to assets | 15.1418% | 734 |
| Core capital (leverage) ratio | 15.0585% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2908% | 379 |
| Memoranda: | ||
| Average total assets | $456,047,500 | 1,585 |
| Average earning assets | $427,700,500 | 1,566 |
| Average equity | $68,793,500 | 1,279 |
| Average total loans | $360,263,000 | 1,424 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 4,264 |
| Cost of funding earning assets | 1.4150% | 529 |
| Net interest margin | 2.5815% | 4,921 |
| Noninterest income to average assets | 0.2104% | 4,408 |
| Noninterest expense to average assets | 2.3862% | 3,721 |
| Loan and lease loss provision to assets | 0.0266% | 3,480 |
| Net operating income to assets | 0.1941% | 4,842 |
| Return on assets (ROA) | 0.1941% | 4,864 |
| Pretax return on assets | 0.2169% | 4,874 |
| Return on Equity (ROE) | 1.2963% | 4,882 |
| Retained earnings to average equity (ytd only) | 1.2963% | 4,277 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7421% | 325 |
| Assets per employee ($millions) | 8.1037% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,303 |
| Loan loss allowance to noncurrent loans | 183.7786% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,020 |
| Noncurrent loans to loans | 0.4356% | 2,884 |
| Net loans and leases to total assets | 78.8873% | 952 |
| Net loans and leases to deposits | 116.8894% | 104 |
| Net loans and leases to core deposits | 132.7819% | 242 |
| Total domestic deposits to total assets | 67.4888% | 4,994 |
| Equity capital to assets | 15.0271% | 785 |
| Core capital (leverage) ratio | 14.9152% | 707 |
| Tier 1 risk-based capital ratio | 24.9749% | 751 |
| Total risk-based capital ratio | 26.0377% | 749 |
| Memoranda: | ||
| Average total assets | $451,421,200 | 1,552 |
| Average earning assets | $423,040,800 | 1,534 |
| Average equity | $67,575,800 | 1,251 |
| Average total loans | $358,016,600 | 1,391 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 4,365 |
| Cost of funding earning assets | 1.4259% | 524 |
| Net interest margin | 2.5721% | 5,020 |
| Noninterest income to average assets | 0.2041% | 4,496 |
| Noninterest expense to average assets | 2.4109% | 3,653 |
| Loan and lease loss provision to assets | 0.0355% | 3,179 |
| Net operating income to assets | 0.1559% | 4,980 |
| Return on assets (ROA) | 0.1559% | 4,996 |
| Pretax return on assets | 0.1674% | 5,000 |
| Return on Equity (ROE) | 1.0422% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.0422% | 4,556 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2381% | 264 |
| Assets per employee ($millions) | 8.2011% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,424 |
| Loan loss allowance to noncurrent loans | 129.7844% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,587 |
| Noncurrent loans to loans | 0.6114% | 2,450 |
| Net loans and leases to total assets | 78.6429% | 1,042 |
| Net loans and leases to deposits | 110.7837% | 209 |
| Net loans and leases to core deposits | 133.0102% | 263 |
| Total domestic deposits to total assets | 70.9877% | 4,957 |
| Equity capital to assets | 14.8356% | 894 |
| Core capital (leverage) ratio | 14.8601% | 770 |
| Tier 1 risk-based capital ratio | 24.4873% | 808 |
| Total risk-based capital ratio | 25.5348% | 807 |
| Memoranda: | ||
| Average total assets | $450,824,750 | 1,558 |
| Average earning assets | $422,364,500 | 1,545 |
| Average equity | $67,421,250 | 1,252 |
| Average total loans | $357,299,500 | 1,400 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 4,404 |
| Cost of funding earning assets | 1.4100% | 520 |
| Net interest margin | 2.5788% | 5,085 |
| Noninterest income to average assets | 0.1902% | 4,616 |
| Noninterest expense to average assets | 2.5401% | 3,354 |
| Loan and lease loss provision to assets | 0.0464% | 2,888 |
| Net operating income to assets | 0.0442% | 5,086 |
| Return on assets (ROA) | 0.0442% | 5,095 |
| Pretax return on assets | 0.0187% | 5,102 |
| Return on Equity (ROE) | 0.2947% | 5,095 |
| Retained earnings to average equity (ytd only) | 0.2947% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4983% | 183 |
| Assets per employee ($millions) | 8.1490% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 4,448 |
| Loan loss allowance to noncurrent loans | 117.7942% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,419 |
| Noncurrent loans to loans | 0.6775% | 2,278 |
| Net loans and leases to total assets | 78.2639% | 1,171 |
| Net loans and leases to deposits | 109.9965% | 218 |
| Net loans and leases to core deposits | 134.9966% | 244 |
| Total domestic deposits to total assets | 71.1512% | 5,009 |
| Equity capital to assets | 14.8262% | 862 |
| Core capital (leverage) ratio | 14.8365% | 743 |
| Tier 1 risk-based capital ratio | 24.5324% | 801 |
| Total risk-based capital ratio | 25.5826% | 803 |
| Memoranda: | ||
| Average total assets | $448,012,670 | 1,571 |
| Average earning assets | $419,569,670 | 1,557 |
| Average equity | $67,183,670 | 1,252 |
| Average total loans | $355,044,330 | 1,415 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 4,376 |
| Cost of funding earning assets | 1.3749% | 504 |
| Net interest margin | 2.6198% | 5,126 |
| Noninterest income to average assets | 0.1793% | 4,674 |
| Noninterest expense to average assets | 2.8127% | 2,531 |
| Loan and lease loss provision to assets | 0.0739% | 2,198 |
| Net operating income to assets | -0.1613% | 5,198 |
| Return on assets (ROA) | -0.1613% | 5,196 |
| Pretax return on assets | -0.2550% | 5,207 |
| Return on Equity (ROE) | -1.0695% | 5,191 |
| Retained earnings to average equity (ytd only) | -1.0695% | 4,661 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8836% | 121 |
| Assets per employee ($millions) | 8.0108% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,519 |
| Loan loss allowance to noncurrent loans | 182.7564% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,216 |
| Noncurrent loans to loans | 0.4383% | 3,012 |
| Net loans and leases to total assets | 78.7050% | 1,037 |
| Net loans and leases to deposits | 113.5658% | 153 |
| Net loans and leases to core deposits | 134.1199% | 255 |
| Total domestic deposits to total assets | 69.3034% | 5,130 |
| Equity capital to assets | 14.9503% | 763 |
| Core capital (leverage) ratio | 15.0724% | 679 |
| Tier 1 risk-based capital ratio | 24.6940% | 784 |
| Total risk-based capital ratio | 25.7474% | 783 |
| Memoranda: | ||
| Average total assets | $443,848,000 | 1,588 |
| Average earning assets | $415,459,000 | 1,572 |
| Average equity | $66,946,500 | 1,245 |
| Average total loans | $352,554,500 | 1,430 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 4,228 |
| Cost of funding earning assets | 1.1364% | 440 |
| Net interest margin | 2.7866% | 5,030 |
| Noninterest income to average assets | 0.2255% | 4,568 |
| Noninterest expense to average assets | 2.4255% | 3,814 |
| Loan and lease loss provision to assets | 0.0274% | 3,628 |
| Net operating income to assets | 0.3279% | 4,974 |
| Return on assets (ROA) | 0.3279% | 4,969 |
| Pretax return on assets | 0.3679% | 4,970 |
| Return on Equity (ROE) | 2.1329% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.1329% | 4,302 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9860% | 527 |
| Assets per employee ($millions) | 7.8409% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 4,556 |
| Loan loss allowance to noncurrent loans | 170.0860% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,067 |
| Noncurrent loans to loans | 0.4662% | 2,877 |
| Net loans and leases to total assets | 78.8936% | 1,113 |
| Net loans and leases to deposits | 108.8343% | 281 |
| Net loans and leases to core deposits | 132.4209% | 281 |
| Total domestic deposits to total assets | 72.4896% | 5,045 |
| Equity capital to assets | 15.2190% | 663 |
| Core capital (leverage) ratio | 15.3214% | 625 |
| Tier 1 risk-based capital ratio | 25.6230% | 697 |
| Total risk-based capital ratio | 26.6821% | 701 |
| Memoranda: | ||
| Average total assets | $430,553,800 | 1,592 |
| Average earning assets | $400,995,200 | 1,587 |
| Average equity | $66,201,400 | 1,219 |
| Average total loans | $338,242,400 | 1,448 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,175 |
| Cost of funding earning assets | 1.0822% | 427 |
| Net interest margin | 2.8337% | 5,050 |
| Noninterest income to average assets | 0.2266% | 4,616 |
| Noninterest expense to average assets | 2.4608% | 3,698 |
| Loan and lease loss provision to assets | 0.0196% | 3,614 |
| Net operating income to assets | 0.3395% | 5,045 |
| Return on assets (ROA) | 0.3395% | 5,041 |
| Pretax return on assets | 0.3825% | 5,050 |
| Return on Equity (ROE) | 2.2025% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.2025% | 4,505 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9550% | 519 |
| Assets per employee ($millions) | 7.7288% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,616 |
| Loan loss allowance to noncurrent loans | 146.3862% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 2,975 |
| Noncurrent loans to loans | 0.5481% | 2,737 |
| Net loans and leases to total assets | 77.5292% | 1,408 |
| Net loans and leases to deposits | 111.3911% | 251 |
| Net loans and leases to core deposits | 127.2036% | 389 |
| Total domestic deposits to total assets | 69.6009% | 5,233 |
| Equity capital to assets | 15.2779% | 664 |
| Core capital (leverage) ratio | 15.3076% | 630 |
| Tier 1 risk-based capital ratio | 26.5321% | 646 |
| Total risk-based capital ratio | 27.6121% | 646 |
| Memoranda: | ||
| Average total assets | $428,420,000 | 1,611 |
| Average earning assets | $398,576,000 | 1,602 |
| Average equity | $66,045,500 | 1,224 |
| Average total loans | $335,507,500 | 1,459 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 4,116 |
| Cost of funding earning assets | 1.0094% | 459 |
| Net interest margin | 2.8741% | 5,052 |
| Noninterest income to average assets | 0.2375% | 4,593 |
| Noninterest expense to average assets | 2.4986% | 3,635 |
| Loan and lease loss provision to assets | 0.0295% | 3,321 |
| Net operating income to assets | 0.3331% | 5,073 |
| Return on assets (ROA) | 0.3331% | 5,070 |
| Pretax return on assets | 0.3822% | 5,066 |
| Return on Equity (ROE) | 2.1539% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.1539% | 4,409 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8522% | 578 |
| Assets per employee ($millions) | 7.6396% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,699 |
| Loan loss allowance to noncurrent loans | 136.6566% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,906 |
| Noncurrent loans to loans | 0.5843% | 2,669 |
| Net loans and leases to total assets | 77.4250% | 1,405 |
| Net loans and leases to deposits | 115.3212% | 167 |
| Net loans and leases to core deposits | 129.0687% | 346 |
| Total domestic deposits to total assets | 67.1386% | 5,363 |
| Equity capital to assets | 15.1795% | 655 |
| Core capital (leverage) ratio | 15.3964% | 591 |
| Tier 1 risk-based capital ratio | 26.2752% | 653 |
| Total risk-based capital ratio | 27.3508% | 650 |
| Memoranda: | ||
| Average total assets | $426,955,000 | 1,620 |
| Average earning assets | $397,067,000 | 1,614 |
| Average equity | $66,019,000 | 1,219 |
| Average total loans | $334,586,000 | 1,465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,085 |
| Cost of funding earning assets | 0.9462% | 475 |
| Net interest margin | 2.9028% | 5,023 |
| Noninterest income to average assets | 0.2262% | 4,665 |
| Noninterest expense to average assets | 2.5843% | 3,379 |
| Loan and lease loss provision to assets | 0.0407% | 2,942 |
| Net operating income to assets | 0.2669% | 5,144 |
| Return on assets (ROA) | 0.2669% | 5,145 |
| Pretax return on assets | 0.3009% | 5,167 |
| Return on Equity (ROE) | 1.7096% | 5,219 |
| Retained earnings to average equity (ytd only) | 1.7096% | 4,437 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3247% | 519 |
| Assets per employee ($millions) | 7.3128% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,782 |
| Loan loss allowance to noncurrent loans | 121.3610% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,779 |
| Noncurrent loans to loans | 0.6629% | 2,564 |
| Net loans and leases to total assets | 78.2853% | 1,199 |
| Net loans and leases to deposits | 120.2623% | 111 |
| Net loans and leases to core deposits | 125.9170% | 425 |
| Total domestic deposits to total assets | 65.0954% | 5,474 |
| Equity capital to assets | 15.5402% | 561 |
| Core capital (leverage) ratio | 15.7296% | 528 |
| Tier 1 risk-based capital ratio | 26.5273% | 645 |
| Total risk-based capital ratio | 27.6119% | 647 |
| Memoranda: | ||
| Average total assets | $422,704,500 | 1,643 |
| Average earning assets | $393,135,000 | 1,637 |
| Average equity | $65,978,500 | 1,223 |
| Average total loans | $331,946,000 | 1,480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,068 |
| Cost of funding earning assets | 0.8392% | 508 |
| Net interest margin | 2.9543% | 4,970 |
| Noninterest income to average assets | 0.2326% | 4,742 |
| Noninterest expense to average assets | 2.4051% | 4,064 |
| Loan and lease loss provision to assets | 0.0539% | 3,156 |
| Net operating income to assets | 0.1999% | 5,109 |
| Return on assets (ROA) | 0.1999% | 5,125 |
| Pretax return on assets | 0.5178% | 4,902 |
| Return on Equity (ROE) | 1.2742% | 5,193 |
| Retained earnings to average equity (ytd only) | 1.2742% | 4,514 |
| Net charge-offs to loans | 0.0250% | 3,308 |
| Credit loss provision to net charge-offs | 282.5000% | 995 |
| Earnings coverage of net charge-offs (x) | 29.9500% | 1,549 |
| Efficiency ratio | 80.7951% | 1,030 |
| Assets per employee ($millions) | 7.3906% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 4,808 |
| Loan loss allowance to noncurrent loans | 114.0215% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 2,716 |
| Noncurrent loans to loans | 0.7064% | 2,442 |
| Net loans and leases to total assets | 77.5060% | 1,352 |
| Net loans and leases to deposits | 120.5345% | 111 |
| Net loans and leases to core deposits | 124.9962% | 459 |
| Total domestic deposits to total assets | 64.3020% | 5,548 |
| Equity capital to assets | 15.6776% | 555 |
| Core capital (leverage) ratio | 15.7047% | 513 |
| Tier 1 risk-based capital ratio | 26.5958% | 619 |
| Total risk-based capital ratio | 27.6709% | 619 |
| Memoranda: | ||
| Average total assets | $419,115,400 | 1,637 |
| Average earning assets | $389,300,800 | 1,634 |
| Average equity | $65,768,600 | 1,213 |
| Average total loans | $320,098,600 | 1,482 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,048 |
| Cost of funding earning assets | 0.8237% | 503 |
| Net interest margin | 2.9653% | 4,996 |
| Noninterest income to average assets | 0.2309% | 4,829 |
| Noninterest expense to average assets | 2.4036% | 4,009 |
| Loan and lease loss provision to assets | 0.0612% | 2,851 |
| Net operating income to assets | 0.4163% | 4,966 |
| Return on assets (ROA) | 0.4163% | 4,995 |
| Pretax return on assets | 0.5195% | 4,984 |
| Return on Equity (ROE) | 2.6524% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.6524% | 4,309 |
| Net charge-offs to loans | 0.0336% | 2,759 |
| Credit loss provision to net charge-offs | 240.0000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 22.7884% | 1,843 |
| Efficiency ratio | 80.5422% | 1,043 |
| Assets per employee ($millions) | 7.1450% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,873 |
| Loan loss allowance to noncurrent loans | 140.3217% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 3,265 |
| Noncurrent loans to loans | 0.5752% | 2,971 |
| Net loans and leases to total assets | 76.2957% | 1,539 |
| Net loans and leases to deposits | 116.2492% | 152 |
| Net loans and leases to core deposits | 120.2617% | 582 |
| Total domestic deposits to total assets | 65.6311% | 5,594 |
| Equity capital to assets | 15.8003% | 578 |
| Core capital (leverage) ratio | 15.8345% | 515 |
| Tier 1 risk-based capital ratio | 27.1211% | 618 |
| Total risk-based capital ratio | 28.1957% | 614 |
| Memoranda: | ||
| Average total assets | $418,578,250 | 1,652 |
| Average earning assets | $388,658,500 | 1,649 |
| Average equity | $65,699,750 | 1,220 |
| Average total loans | $317,834,250 | 1,493 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 3,973 |
| Cost of funding earning assets | 0.8044% | 515 |
| Net interest margin | 2.9726% | 4,970 |
| Noninterest income to average assets | 0.2251% | 4,894 |
| Noninterest expense to average assets | 2.4431% | 3,934 |
| Loan and lease loss provision to assets | 0.0570% | 2,833 |
| Net operating income to assets | 0.3913% | 4,994 |
| Return on assets (ROA) | 0.3913% | 5,022 |
| Pretax return on assets | 0.4861% | 5,027 |
| Return on Equity (ROE) | 2.4986% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.4986% | 4,194 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8123% | 1,026 |
| Assets per employee ($millions) | 7.1644% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,914 |
| Loan loss allowance to noncurrent loans | 138.8360% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 3,325 |
| Noncurrent loans to loans | 0.5869% | 2,970 |
| Net loans and leases to total assets | 75.5603% | 1,600 |
| Net loans and leases to deposits | 115.2096% | 177 |
| Net loans and leases to core deposits | 119.1175% | 591 |
| Total domestic deposits to total assets | 65.5850% | 5,639 |
| Equity capital to assets | 15.6578% | 581 |
| Core capital (leverage) ratio | 15.7622% | 510 |
| Tier 1 risk-based capital ratio | 27.1526% | 603 |
| Total risk-based capital ratio | 28.2393% | 596 |
| Memoranda: | ||
| Average total assets | $417,585,670 | 1,655 |
| Average earning assets | $387,870,000 | 1,651 |
| Average equity | $65,397,330 | 1,224 |
| Average total loans | $315,697,000 | 1,502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 3,852 |
| Cost of funding earning assets | 0.7881% | 531 |
| Net interest margin | 2.9863% | 4,916 |
| Noninterest income to average assets | 0.2265% | 4,916 |
| Noninterest expense to average assets | 2.5579% | 3,632 |
| Loan and lease loss provision to assets | 0.0251% | 3,248 |
| Net operating income to assets | 0.3537% | 5,067 |
| Return on assets (ROA) | 0.3537% | 5,087 |
| Pretax return on assets | 0.4154% | 5,134 |
| Return on Equity (ROE) | 2.2583% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.2583% | 4,236 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3102% | 861 |
| Assets per employee ($millions) | 7.2841% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,046 |
| Loan loss allowance to noncurrent loans | 157.4984% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 3,659 |
| Noncurrent loans to loans | 0.5111% | 3,283 |
| Net loans and leases to total assets | 75.1158% | 1,558 |
| Net loans and leases to deposits | 111.8568% | 178 |
| Net loans and leases to core deposits | 115.1700% | 625 |
| Total domestic deposits to total assets | 67.1535% | 5,693 |
| Equity capital to assets | 15.7160% | 540 |
| Core capital (leverage) ratio | 15.7518% | 498 |
| Tier 1 risk-based capital ratio | 27.6214% | 586 |
| Total risk-based capital ratio | 28.6951% | 581 |
| Memoranda: | ||
| Average total assets | $415,030,000 | 1,678 |
| Average earning assets | $385,222,500 | 1,673 |
| Average equity | $65,003,500 | 1,227 |
| Average total loans | $312,538,000 | 1,518 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7458% | 4,070 |
| Cost of funding earning assets | 0.8517% | 385 |
| Net interest margin | 2.8941% | 5,149 |
| Noninterest income to average assets | 0.2195% | 5,097 |
| Noninterest expense to average assets | 2.3294% | 4,490 |
| Loan and lease loss provision to assets | 0.0438% | 3,503 |
| Net operating income to assets | 0.3947% | 4,959 |
| Return on assets (ROA) | 0.4632% | 4,841 |
| Pretax return on assets | 0.6277% | 4,715 |
| Return on Equity (ROE) | 2.9227% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.9227% | 3,825 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0919% | 1,410 |
| Assets per employee ($millions) | 7.2783% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,087 |
| Loan loss allowance to noncurrent loans | 160.9897% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,777 |
| Noncurrent loans to loans | 0.5009% | 3,362 |
| Net loans and leases to total assets | 74.2803% | 1,797 |
| Net loans and leases to deposits | 112.8162% | 173 |
| Net loans and leases to core deposits | 116.3204% | 602 |
| Total domestic deposits to total assets | 65.8419% | 5,760 |
| Equity capital to assets | 15.6087% | 547 |
| Core capital (leverage) ratio | 15.9426% | 469 |
| Tier 1 risk-based capital ratio | 27.7575% | 578 |
| Total risk-based capital ratio | 28.8315% | 573 |
| Memoranda: | ||
| Average total assets | $404,143,600 | 1,664 |
| Average earning assets | $375,483,200 | 1,656 |
| Average equity | $64,051,400 | 1,226 |
| Average total loans | $293,305,600 | 1,549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,028 |
| Cost of funding earning assets | 0.8669% | 349 |
| Net interest margin | 2.8996% | 5,189 |
| Noninterest income to average assets | 0.1744% | 5,403 |
| Noninterest expense to average assets | 2.3208% | 4,486 |
| Loan and lease loss provision to assets | 0.0309% | 3,615 |
| Net operating income to assets | 0.3752% | 5,104 |
| Return on assets (ROA) | 0.3793% | 5,178 |
| Pretax return on assets | 0.5234% | 5,069 |
| Return on Equity (ROE) | 2.3837% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.3837% | 4,489 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8796% | 1,314 |
| Assets per employee ($millions) | 7.1631% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 5,166 |
| Loan loss allowance to noncurrent loans | 163.5811% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 3,969 |
| Noncurrent loans to loans | 0.4947% | 3,516 |
| Net loans and leases to total assets | 72.6837% | 2,067 |
| Net loans and leases to deposits | 109.1578% | 276 |
| Net loans and leases to core deposits | 112.5872% | 778 |
| Total domestic deposits to total assets | 66.5858% | 5,804 |
| Equity capital to assets | 15.8648% | 573 |
| Core capital (leverage) ratio | 15.9818% | 475 |
| Tier 1 risk-based capital ratio | 28.3556% | 561 |
| Total risk-based capital ratio | 29.4280% | 560 |
| Memoranda: | ||
| Average total assets | $401,463,250 | 1,679 |
| Average earning assets | $373,142,250 | 1,669 |
| Average equity | $63,875,500 | 1,240 |
| Average total loans | $288,965,000 | 1,573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,029 |
| Cost of funding earning assets | 0.8846% | 315 |
| Net interest margin | 2.8937% | 5,279 |
| Noninterest income to average assets | 0.2039% | 5,269 |
| Noninterest expense to average assets | 2.3312% | 4,524 |
| Loan and lease loss provision to assets | 0.0040% | 3,964 |
| Net operating income to assets | 0.4239% | 4,963 |
| Return on assets (ROA) | 0.4239% | 5,049 |
| Pretax return on assets | 0.5596% | 5,000 |
| Return on Equity (ROE) | 2.6614% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.6614% | 4,204 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5296% | 1,443 |
| Assets per employee ($millions) | 7.2951% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,277 |
| Loan loss allowance to noncurrent loans | 163.1285% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,057 |
| Noncurrent loans to loans | 0.4922% | 3,603 |
| Net loans and leases to total assets | 71.9256% | 2,184 |
| Net loans and leases to deposits | 108.1741% | 299 |
| Net loans and leases to core deposits | 111.8333% | 820 |
| Total domestic deposits to total assets | 66.4906% | 5,879 |
| Equity capital to assets | 16.0509% | 537 |
| Core capital (leverage) ratio | 16.1136% | 453 |
| Tier 1 risk-based capital ratio | 29.6711% | 511 |
| Total risk-based capital ratio | 30.7590% | 512 |
| Memoranda: | ||
| Average total assets | $399,186,330 | 1,692 |
| Average earning assets | $371,225,000 | 1,680 |
| Average equity | $63,575,670 | 1,242 |
| Average total loans | $285,558,670 | 1,591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 3,970 |
| Cost of funding earning assets | 0.8993% | 297 |
| Net interest margin | 2.8934% | 5,333 |
| Noninterest income to average assets | 0.1798% | 5,420 |
| Noninterest expense to average assets | 2.4060% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3767% | 5,064 |
| Return on assets (ROA) | 0.3767% | 5,138 |
| Pretax return on assets | 0.4631% | 5,172 |
| Return on Equity (ROE) | 2.3748% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.3748% | 4,301 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8585% | 1,171 |
| Assets per employee ($millions) | 7.2495% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 5,320 |
| Loan loss allowance to noncurrent loans | 105.3394% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 3,403 |
| Noncurrent loans to loans | 0.7760% | 2,896 |
| Net loans and leases to total assets | 70.8467% | 2,211 |
| Net loans and leases to deposits | 105.2996% | 366 |
| Net loans and leases to core deposits | 108.8370% | 925 |
| Total domestic deposits to total assets | 67.2810% | 5,940 |
| Equity capital to assets | 15.8891% | 546 |
| Core capital (leverage) ratio | 16.0597% | 463 |
| Tier 1 risk-based capital ratio | 30.2216% | 499 |
| Total risk-based capital ratio | 31.3340% | 499 |
| Memoranda: | ||
| Average total assets | $398,164,000 | 1,696 |
| Average earning assets | $370,083,000 | 1,682 |
| Average equity | $63,163,000 | 1,241 |
| Average total loans | $282,876,000 | 1,601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,044 |
| Cost of funding earning assets | 0.9466% | 226 |
| Net interest margin | 2.8522% | 5,419 |
| Noninterest income to average assets | 0.1909% | 5,448 |
| Noninterest expense to average assets | 2.3264% | 4,716 |
| Loan and lease loss provision to assets | 0.0702% | 2,878 |
| Net operating income to assets | 0.3738% | 5,128 |
| Return on assets (ROA) | 0.3833% | 5,187 |
| Pretax return on assets | 0.4437% | 5,241 |
| Return on Equity (ROE) | 2.4569% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.4569% | 4,321 |
| Net charge-offs to loans | 0.0528% | 3,144 |
| Credit loss provision to net charge-offs | 193.1034% | 1,434 |
| Earnings coverage of net charge-offs (x) | 13.8276% | 2,345 |
| Efficiency ratio | 82.2252% | 1,375 |
| Assets per employee ($millions) | 7.2292% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 5,330 |
| Loan loss allowance to noncurrent loans | 114.9062% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,601 |
| Noncurrent loans to loans | 0.7211% | 3,021 |
| Net loans and leases to total assets | 70.0730% | 2,353 |
| Net loans and leases to deposits | 105.4820% | 379 |
| Net loans and leases to core deposits | 109.5473% | 885 |
| Total domestic deposits to total assets | 66.4313% | 6,010 |
| Equity capital to assets | 15.8380% | 538 |
| Core capital (leverage) ratio | 15.8767% | 479 |
| Tier 1 risk-based capital ratio | 30.3193% | 490 |
| Total risk-based capital ratio | 31.4420% | 494 |
| Memoranda: | ||
| Average total assets | $398,676,400 | 1,652 |
| Average earning assets | $368,798,200 | 1,647 |
| Average equity | $62,191,200 | 1,209 |
| Average total loans | $274,746,400 | 1,594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,111 |
| Cost of funding earning assets | 0.9482% | 224 |
| Net interest margin | 2.8435% | 5,507 |
| Noninterest income to average assets | 0.2112% | 5,382 |
| Noninterest expense to average assets | 2.2980% | 4,784 |
| Loan and lease loss provision to assets | 0.0936% | 2,295 |
| Net operating income to assets | 0.3827% | 5,225 |
| Return on assets (ROA) | 0.3827% | 5,306 |
| Pretax return on assets | 0.4475% | 5,356 |
| Return on Equity (ROE) | 2.4625% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.4625% | 4,640 |
| Net charge-offs to loans | 0.0732% | 2,515 |
| Credit loss provision to net charge-offs | 186.6667% | 1,420 |
| Earnings coverage of net charge-offs (x) | 10.7931% | 2,563 |
| Efficiency ratio | 80.9417% | 1,528 |
| Assets per employee ($millions) | 7.2428% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 5,454 |
| Loan loss allowance to noncurrent loans | 99.7852% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 3,531 |
| Noncurrent loans to loans | 0.8261% | 2,904 |
| Net loans and leases to total assets | 70.1629% | 2,365 |
| Net loans and leases to deposits | 105.4881% | 385 |
| Net loans and leases to core deposits | 109.4355% | 909 |
| Total domestic deposits to total assets | 66.5126% | 6,077 |
| Equity capital to assets | 15.7187% | 612 |
| Core capital (leverage) ratio | 15.8589% | 508 |
| Tier 1 risk-based capital ratio | 30.1027% | 519 |
| Total risk-based capital ratio | 31.2217% | 517 |
| Memoranda: | ||
| Average total assets | $398,943,500 | 1,663 |
| Average earning assets | $368,697,000 | 1,660 |
| Average equity | $61,995,750 | 1,223 |
| Average total loans | $273,197,000 | 1,609 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,123 |
| Cost of funding earning assets | 0.9569% | 209 |
| Net interest margin | 2.8262% | 5,561 |
| Noninterest income to average assets | 0.1654% | 5,711 |
| Noninterest expense to average assets | 2.2478% | 4,982 |
| Loan and lease loss provision to assets | 0.1072% | 2,041 |
| Net operating income to assets | 0.3763% | 5,214 |
| Return on assets (ROA) | 0.3763% | 5,329 |
| Pretax return on assets | 0.4164% | 5,431 |
| Return on Equity (ROE) | 2.4309% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.4309% | 4,504 |
| Net charge-offs to loans | 0.0718% | 2,361 |
| Credit loss provision to net charge-offs | 220.6186% | 1,139 |
| Earnings coverage of net charge-offs (x) | 10.7732% | 2,339 |
| Efficiency ratio | 81.1065% | 1,607 |
| Assets per employee ($millions) | 7.5598% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 5,479 |
| Loan loss allowance to noncurrent loans | 123.3974% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 4,028 |
| Noncurrent loans to loans | 0.6856% | 3,430 |
| Net loans and leases to total assets | 68.8688% | 2,506 |
| Net loans and leases to deposits | 103.2544% | 488 |
| Net loans and leases to core deposits | 107.0558% | 1,023 |
| Total domestic deposits to total assets | 66.6981% | 6,150 |
| Equity capital to assets | 15.5902% | 589 |
| Core capital (leverage) ratio | 15.8292% | 490 |
| Tier 1 risk-based capital ratio | 31.3903% | 480 |
| Total risk-based capital ratio | 32.5580% | 478 |
| Memoranda: | ||
| Average total assets | $399,140,330 | 1,676 |
| Average earning assets | $368,053,330 | 1,669 |
| Average equity | $61,789,000 | 1,232 |
| Average total loans | $270,323,000 | 1,626 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,080 |
| Cost of funding earning assets | 0.9468% | 230 |
| Net interest margin | 2.8360% | 5,578 |
| Noninterest income to average assets | 0.1452% | 5,874 |
| Noninterest expense to average assets | 2.2688% | 4,951 |
| Loan and lease loss provision to assets | 0.1770% | 1,095 |
| Net operating income to assets | 0.3183% | 5,346 |
| Return on assets (ROA) | 0.3183% | 5,454 |
| Pretax return on assets | 0.3063% | 5,640 |
| Return on Equity (ROE) | 2.0632% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.0632% | 4,644 |
| Net charge-offs to loans | 0.1443% | 1,377 |
| Credit loss provision to net charge-offs | 183.5052% | 1,112 |
| Earnings coverage of net charge-offs (x) | 5.0103% | 2,428 |
| Efficiency ratio | 82.4359% | 1,571 |
| Assets per employee ($millions) | 7.7525% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 5,599 |
| Loan loss allowance to noncurrent loans | 110.0145% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 3,972 |
| Noncurrent loans to loans | 0.7621% | 3,351 |
| Net loans and leases to total assets | 66.7164% | 2,647 |
| Net loans and leases to deposits | 102.4770% | 436 |
| Net loans and leases to core deposits | 106.2245% | 920 |
| Total domestic deposits to total assets | 65.1037% | 6,256 |
| Equity capital to assets | 15.4722% | 632 |
| Core capital (leverage) ratio | 15.4966% | 533 |
| Tier 1 risk-based capital ratio | 30.7018% | 507 |
| Total risk-based capital ratio | 31.8340% | 509 |
| Memoranda: | ||
| Average total assets | $402,157,000 | 1,666 |
| Average earning assets | $369,676,000 | 1,673 |
| Average equity | $62,040,500 | 1,232 |
| Average total loans | $268,965,500 | 1,631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 4,367 |
| Cost of funding earning assets | 0.9229% | 340 |
| Net interest margin | 2.9146% | 5,613 |
| Noninterest income to average assets | 0.1512% | 5,938 |
| Noninterest expense to average assets | 2.5510% | 4,395 |
| Loan and lease loss provision to assets | 0.0621% | 3,278 |
| Net operating income to assets | 0.2352% | 5,691 |
| Return on assets (ROA) | 0.2352% | 5,752 |
| Pretax return on assets | 0.2289% | 5,823 |
| Return on Equity (ROE) | 1.5464% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.5464% | 5,056 |
| Net charge-offs to loans | 0.0171% | 4,517 |
| Credit loss provision to net charge-offs | 546.6667% | 486 |
| Earnings coverage of net charge-offs (x) | 25.6222% | 1,495 |
| Efficiency ratio | 89.7611% | 860 |
| Assets per employee ($millions) | 7.5695% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 5,716 |
| Loan loss allowance to noncurrent loans | 107.9764% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 4,115 |
| Noncurrent loans to loans | 0.7615% | 3,418 |
| Net loans and leases to total assets | 65.9324% | 2,897 |
| Net loans and leases to deposits | 101.4237% | 545 |
| Net loans and leases to core deposits | 105.3480% | 1,053 |
| Total domestic deposits to total assets | 65.0069% | 6,345 |
| Equity capital to assets | 15.3814% | 637 |
| Core capital (leverage) ratio | 15.2905% | 562 |
| Tier 1 risk-based capital ratio | 29.8633% | 516 |
| Total risk-based capital ratio | 30.9309% | 519 |
| Memoranda: | ||
| Average total assets | $396,234,000 | 1,658 |
| Average earning assets | $365,814,000 | 1,645 |
| Average equity | $60,267,600 | 1,218 |
| Average total loans | $262,450,400 | 1,615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,375 |
| Cost of funding earning assets | 0.9100% | 397 |
| Net interest margin | 2.9382% | 5,618 |
| Noninterest income to average assets | 0.1485% | 6,025 |
| Noninterest expense to average assets | 2.6666% | 3,956 |
| Loan and lease loss provision to assets | 0.0648% | 3,055 |
| Net operating income to assets | 0.1620% | 5,925 |
| Return on assets (ROA) | 0.1620% | 5,960 |
| Pretax return on assets | 0.1330% | 6,025 |
| Return on Equity (ROE) | 1.0683% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.0683% | 5,458 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0945% | 640 |
| Assets per employee ($millions) | 7.5124% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 5,800 |
| Loan loss allowance to noncurrent loans | 135.7986% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 4,712 |
| Noncurrent loans to loans | 0.6104% | 4,096 |
| Net loans and leases to total assets | 65.6506% | 2,926 |
| Net loans and leases to deposits | 99.7797% | 624 |
| Net loans and leases to core deposits | 104.3302% | 1,085 |
| Total domestic deposits to total assets | 65.7956% | 6,410 |
| Equity capital to assets | 15.3081% | 674 |
| Core capital (leverage) ratio | 15.2933% | 578 |
| Tier 1 risk-based capital ratio | 29.8759% | 531 |
| Total risk-based capital ratio | 30.9480% | 531 |
| Memoranda: | ||
| Average total assets | $394,996,250 | 1,676 |
| Average earning assets | $365,115,750 | 1,660 |
| Average equity | $59,907,500 | 1,229 |
| Average total loans | $261,387,000 | 1,624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,286 |
| Cost of funding earning assets | 0.9306% | 354 |
| Net interest margin | 2.9339% | 5,671 |
| Noninterest income to average assets | 0.1416% | 6,113 |
| Noninterest expense to average assets | 2.8080% | 3,471 |
| Loan and lease loss provision to assets | 0.0741% | 2,792 |
| Net operating income to assets | 0.0701% | 6,099 |
| Return on assets (ROA) | 0.0701% | 6,120 |
| Pretax return on assets | -0.0228% | 6,212 |
| Return on Equity (ROE) | 0.4634% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.4634% | 5,560 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2067% | 456 |
| Assets per employee ($millions) | 7.4390% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,931 |
| Loan loss allowance to noncurrent loans | 157.7434% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 5,005 |
| Noncurrent loans to loans | 0.5186% | 4,452 |
| Net loans and leases to total assets | 65.7711% | 2,787 |
| Net loans and leases to deposits | 97.9471% | 672 |
| Net loans and leases to core deposits | 102.2451% | 1,118 |
| Total domestic deposits to total assets | 67.1496% | 6,452 |
| Equity capital to assets | 15.3161% | 638 |
| Core capital (leverage) ratio | 15.3577% | 549 |
| Tier 1 risk-based capital ratio | 29.7217% | 534 |
| Total risk-based capital ratio | 30.7717% | 531 |
| Memoranda: | ||
| Average total assets | $393,943,000 | 1,683 |
| Average earning assets | $364,908,330 | 1,657 |
| Average equity | $59,560,000 | 1,227 |
| Average total loans | $260,657,000 | 1,628 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,211 |
| Cost of funding earning assets | 0.9555% | 331 |
| Net interest margin | 2.9149% | 5,721 |
| Noninterest income to average assets | 0.1392% | 6,145 |
| Noninterest expense to average assets | 3.4872% | 1,511 |
| Loan and lease loss provision to assets | 0.0823% | 2,522 |
| Net operating income to assets | -0.3047% | 6,398 |
| Return on assets (ROA) | -0.3047% | 6,402 |
| Pretax return on assets | -0.7314% | 6,516 |
| Return on Equity (ROE) | -2.0288% | 6,357 |
| Retained earnings to average equity (ytd only) | -2.0288% | 5,862 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8704% | 158 |
| Assets per employee ($millions) | 7.4552% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 6,111 |
| Loan loss allowance to noncurrent loans | 270.1823% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,640 |
| Noncurrent loans to loans | 0.2942% | 5,236 |
| Net loans and leases to total assets | 65.5409% | 2,629 |
| Net loans and leases to deposits | 97.3608% | 580 |
| Net loans and leases to core deposits | 101.5413% | 1,012 |
| Total domestic deposits to total assets | 67.3176% | 6,531 |
| Equity capital to assets | 15.0198% | 670 |
| Core capital (leverage) ratio | 15.1836% | 577 |
| Tier 1 risk-based capital ratio | 29.5792% | 546 |
| Total risk-based capital ratio | 30.6003% | 549 |
| Memoranda: | ||
| Average total assets | $393,781,500 | 1,693 |
| Average earning assets | $364,613,000 | 1,670 |
| Average equity | $59,147,000 | 1,235 |
| Average total loans | $260,259,500 | 1,632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 4,334 |
| Cost of funding earning assets | 1.0004% | 439 |
| Net interest margin | 2.9351% | 5,721 |
| Noninterest income to average assets | 0.3341% | 4,946 |
| Noninterest expense to average assets | 1.9288% | 6,143 |
| Loan and lease loss provision to assets | 0.0609% | 3,923 |
| Net operating income to assets | 0.7831% | 3,376 |
| Return on assets (ROA) | 0.7831% | 3,483 |
| Pretax return on assets | 1.0689% | 3,077 |
| Return on Equity (ROE) | 5.2505% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.2505% | 2,447 |
| Net charge-offs to loans | 0.0452% | 4,586 |
| Credit loss provision to net charge-offs | 214.1593% | 1,077 |
| Earnings coverage of net charge-offs (x) | 39.7080% | 962 |
| Efficiency ratio | 63.0608% | 5,048 |
| Assets per employee ($millions) | 8.1758% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 6,237 |
| Loan loss allowance to noncurrent loans | 393.8735% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,931 |
| Noncurrent loans to loans | 0.1950% | 5,606 |
| Net loans and leases to total assets | 65.6110% | 2,750 |
| Net loans and leases to deposits | 99.0293% | 534 |
| Net loans and leases to core deposits | 103.5008% | 943 |
| Total domestic deposits to total assets | 66.2541% | 6,627 |
| Equity capital to assets | 15.0207% | 667 |
| Core capital (leverage) ratio | 15.3365% | 563 |
| Tier 1 risk-based capital ratio | 29.9367% | 503 |
| Total risk-based capital ratio | 30.9243% | 506 |
| Memoranda: | ||
| Average total assets | $397,147,600 | 1,662 |
| Average earning assets | $368,637,000 | 1,640 |
| Average equity | $59,232,800 | 1,211 |
| Average total loans | $249,810,400 | 1,665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 4,343 |
| Cost of funding earning assets | 1.0152% | 456 |
| Net interest margin | 2.9270% | 5,752 |
| Noninterest income to average assets | 0.3923% | 4,592 |
| Noninterest expense to average assets | 1.9053% | 6,177 |
| Loan and lease loss provision to assets | 0.0793% | 3,473 |
| Net operating income to assets | 0.8305% | 3,189 |
| Return on assets (ROA) | 0.8305% | 3,312 |
| Pretax return on assets | 1.1264% | 2,994 |
| Return on Equity (ROE) | 5.5779% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.5779% | 2,676 |
| Net charge-offs to loans | 0.0609% | 4,034 |
| Credit loss provision to net charge-offs | 209.7345% | 1,155 |
| Earnings coverage of net charge-offs (x) | 31.8767% | 1,187 |
| Efficiency ratio | 61.2438% | 5,235 |
| Assets per employee ($millions) | 8.4662% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 6,332 |
| Loan loss allowance to noncurrent loans | 360.1449% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 6,036 |
| Noncurrent loans to loans | 0.2136% | 5,704 |
| Net loans and leases to total assets | 64.4569% | 2,927 |
| Net loans and leases to deposits | 96.2127% | 674 |
| Net loans and leases to core deposits | 100.3898% | 1,086 |
| Total domestic deposits to total assets | 66.9941% | 6,685 |
| Equity capital to assets | 14.7159% | 771 |
| Core capital (leverage) ratio | 14.9778% | 648 |
| Tier 1 risk-based capital ratio | 29.6626% | 533 |
| Total risk-based capital ratio | 30.6490% | 538 |
| Memoranda: | ||
| Average total assets | $398,324,750 | 1,659 |
| Average earning assets | $369,973,250 | 1,641 |
| Average equity | $59,304,250 | 1,225 |
| Average total loans | $247,394,000 | 1,678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 4,279 |
| Cost of funding earning assets | 1.0488% | 433 |
| Net interest margin | 2.9064% | 5,790 |
| Noninterest income to average assets | 0.5049% | 3,796 |
| Noninterest expense to average assets | 1.9209% | 6,183 |
| Loan and lease loss provision to assets | 0.0833% | 3,408 |
| Net operating income to assets | 0.8964% | 2,816 |
| Return on assets (ROA) | 0.8964% | 2,960 |
| Pretax return on assets | 1.2006% | 2,675 |
| Return on Equity (ROE) | 5.9980% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.9980% | 2,443 |
| Net charge-offs to loans | 0.0927% | 3,436 |
| Credit loss provision to net charge-offs | 146.9027% | 1,564 |
| Earnings coverage of net charge-offs (x) | 22.6372% | 1,361 |
| Efficiency ratio | 59.9374% | 5,494 |
| Assets per employee ($millions) | 8.5914% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 6,410 |
| Loan loss allowance to noncurrent loans | 242.3515% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,893 |
| Noncurrent loans to loans | 0.3166% | 5,504 |
| Net loans and leases to total assets | 62.7337% | 3,148 |
| Net loans and leases to deposits | 91.1915% | 1,036 |
| Net loans and leases to core deposits | 95.3210% | 1,418 |
| Total domestic deposits to total assets | 68.7933% | 6,699 |
| Equity capital to assets | 14.9262% | 726 |
| Core capital (leverage) ratio | 14.9473% | 619 |
| Tier 1 risk-based capital ratio | 30.0294% | 516 |
| Total risk-based capital ratio | 31.0036% | 529 |
| Memoranda: | ||
| Average total assets | $398,462,670 | 1,661 |
| Average earning assets | $370,146,000 | 1,636 |
| Average equity | $59,553,670 | 1,219 |
| Average total loans | $243,702,330 | 1,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 4,297 |
| Cost of funding earning assets | 1.0664% | 439 |
| Net interest margin | 2.8840% | 5,846 |
| Noninterest income to average assets | 0.6998% | 2,590 |
| Noninterest expense to average assets | 1.9655% | 6,175 |
| Loan and lease loss provision to assets | 0.0870% | 3,214 |
| Net operating income to assets | 0.9658% | 2,368 |
| Return on assets (ROA) | 0.9658% | 2,501 |
| Pretax return on assets | 1.3267% | 2,137 |
| Return on Equity (ROE) | 6.4577% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.4577% | 2,428 |
| Net charge-offs to loans | 0.1829% | 2,304 |
| Credit loss provision to net charge-offs | 79.0909% | 2,164 |
| Earnings coverage of net charge-offs (x) | 12.8545% | 1,567 |
| Efficiency ratio | 58.1657% | 5,830 |
| Assets per employee ($millions) | 8.5617% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 6,506 |
| Loan loss allowance to noncurrent loans | 203.2009% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 5,891 |
| Noncurrent loans to loans | 0.3779% | 5,462 |
| Net loans and leases to total assets | 59.1185% | 3,582 |
| Net loans and leases to deposits | 86.0528% | 1,345 |
| Net loans and leases to core deposits | 89.7936% | 1,719 |
| Total domestic deposits to total assets | 68.7003% | 6,789 |
| Equity capital to assets | 14.9182% | 775 |
| Core capital (leverage) ratio | 14.5438% | 660 |
| Tier 1 risk-based capital ratio | 30.6189% | 507 |
| Total risk-based capital ratio | 31.5863% | 507 |
| Memoranda: | ||
| Average total assets | $400,092,000 | 1,672 |
| Average earning assets | $371,707,000 | 1,650 |
| Average equity | $59,836,000 | 1,228 |
| Average total loans | $240,632,000 | 1,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,234 |
| Cost of funding earning assets | 1.1935% | 601 |
| Net interest margin | 3.0946% | 5,828 |
| Noninterest income to average assets | 0.2045% | 5,951 |
| Noninterest expense to average assets | 1.8344% | 6,580 |
| Loan and lease loss provision to assets | 0.0991% | 4,404 |
| Net operating income to assets | 0.8114% | 3,240 |
| Return on assets (ROA) | 0.8114% | 3,482 |
| Pretax return on assets | 1.1370% | 3,028 |
| Return on Equity (ROE) | 5.5964% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.5964% | 2,318 |
| Net charge-offs to loans | 0.1103% | 4,571 |
| Credit loss provision to net charge-offs | 149.8113% | 1,823 |
| Earnings coverage of net charge-offs (x) | 18.6830% | 1,426 |
| Efficiency ratio | 59.7414% | 5,584 |
| Assets per employee ($millions) | 8.6475% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 6,538 |
| Loan loss allowance to noncurrent loans | 147.3518% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 5,716 |
| Noncurrent loans to loans | 0.5237% | 5,226 |
| Net loans and leases to total assets | 60.2503% | 3,562 |
| Net loans and leases to deposits | 88.0384% | 1,270 |
| Net loans and leases to core deposits | 91.9642% | 1,641 |
| Total domestic deposits to total assets | 68.4364% | 6,842 |
| Equity capital to assets | 14.9933% | 735 |
| Core capital (leverage) ratio | 14.4903% | 674 |
| Tier 1 risk-based capital ratio | 29.9726% | 515 |
| Total risk-based capital ratio | 30.9476% | 521 |
| Memoranda: | ||
| Average total assets | $400,518,800 | 1,634 |
| Average earning assets | $370,941,200 | 1,610 |
| Average equity | $58,073,000 | 1,221 |
| Average total loans | $240,209,400 | 1,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 4,315 |
| Cost of funding earning assets | 1.2125% | 656 |
| Net interest margin | 3.1217% | 5,892 |
| Noninterest income to average assets | 0.2050% | 6,059 |
| Noninterest expense to average assets | 1.8261% | 6,647 |
| Loan and lease loss provision to assets | 0.0977% | 4,350 |
| Net operating income to assets | 0.8371% | 3,274 |
| Return on assets (ROA) | 0.8371% | 3,521 |
| Pretax return on assets | 1.1724% | 3,090 |
| Return on Equity (ROE) | 5.8227% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,814 |
| Net charge-offs to loans | 0.0656% | 4,764 |
| Credit loss provision to net charge-offs | 249.1525% | 1,113 |
| Earnings coverage of net charge-offs (x) | 32.3897% | 1,034 |
| Efficiency ratio | 58.9782% | 5,662 |
| Assets per employee ($millions) | 8.8908% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 6,639 |
| Loan loss allowance to noncurrent loans | 200.6309% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 6,102 |
| Noncurrent loans to loans | 0.3889% | 5,686 |
| Net loans and leases to total assets | 60.6445% | 3,645 |
| Net loans and leases to deposits | 88.3013% | 1,314 |
| Net loans and leases to core deposits | 92.0025% | 1,779 |
| Total domestic deposits to total assets | 68.6790% | 6,897 |
| Equity capital to assets | 14.7861% | 874 |
| Core capital (leverage) ratio | 14.2315% | 765 |
| Tier 1 risk-based capital ratio | 29.3003% | 565 |
| Total risk-based capital ratio | 30.2885% | 574 |
| Memoranda: | ||
| Average total assets | $401,202,500 | 1,646 |
| Average earning assets | $371,578,500 | 1,623 |
| Average equity | $57,681,000 | 1,234 |
| Average total loans | $239,879,250 | 1,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 4,271 |
| Cost of funding earning assets | 1.2303% | 713 |
| Net interest margin | 3.1470% | 5,871 |
| Noninterest income to average assets | 0.2007% | 6,122 |
| Noninterest expense to average assets | 1.8567% | 6,673 |
| Loan and lease loss provision to assets | 0.1116% | 4,134 |
| Net operating income to assets | 0.7984% | 3,400 |
| Return on assets (ROA) | 0.7984% | 3,653 |
| Pretax return on assets | 1.1460% | 3,131 |
| Return on Equity (ROE) | 5.6060% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.6060% | 2,930 |
| Net charge-offs to loans | 0.0990% | 4,178 |
| Credit loss provision to net charge-offs | 189.8305% | 1,493 |
| Earnings coverage of net charge-offs (x) | 21.3983% | 1,348 |
| Efficiency ratio | 59.6194% | 5,638 |
| Assets per employee ($millions) | 8.9447% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 6,725 |
| Loan loss allowance to noncurrent loans | 342.9104% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 6,455 |
| Noncurrent loans to loans | 0.2261% | 6,126 |
| Net loans and leases to total assets | 58.4378% | 4,095 |
| Net loans and leases to deposits | 84.4286% | 1,801 |
| Net loans and leases to core deposits | 88.1779% | 2,189 |
| Total domestic deposits to total assets | 69.2156% | 6,944 |
| Equity capital to assets | 14.4182% | 944 |
| Core capital (leverage) ratio | 13.9602% | 814 |
| Tier 1 risk-based capital ratio | 28.5119% | 611 |
| Total risk-based capital ratio | 29.4535% | 620 |
| Memoranda: | ||
| Average total assets | $401,574,670 | 1,641 |
| Average earning assets | $371,784,670 | 1,627 |
| Average equity | $57,189,000 | 1,247 |
| Average total loans | $238,326,330 | 1,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 4,372 |
| Cost of funding earning assets | 1.2549% | 763 |
| Net interest margin | 3.1335% | 5,945 |
| Noninterest income to average assets | 0.1965% | 6,205 |
| Noninterest expense to average assets | 1.9616% | 6,533 |
| Loan and lease loss provision to assets | 0.1546% | 3,442 |
| Net operating income to assets | 0.6881% | 3,940 |
| Return on assets (ROA) | 0.6881% | 4,157 |
| Pretax return on assets | 0.9763% | 3,765 |
| Return on Equity (ROE) | 4.8621% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.8621% | 3,640 |
| Net charge-offs to loans | 0.1975% | 2,934 |
| Credit loss provision to net charge-offs | 131.3559% | 1,855 |
| Earnings coverage of net charge-offs (x) | 9.6102% | 1,827 |
| Efficiency ratio | 63.4312% | 5,031 |
| Assets per employee ($millions) | 9.1922% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 6,818 |
| Loan loss allowance to noncurrent loans | 453.5897% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 6,641 |
| Noncurrent loans to loans | 0.1652% | 6,350 |
| Net loans and leases to total assets | 57.9253% | 4,048 |
| Net loans and leases to deposits | 82.9329% | 1,800 |
| Net loans and leases to core deposits | 86.5736% | 2,222 |
| Total domestic deposits to total assets | 69.8460% | 6,988 |
| Equity capital to assets | 14.1234% | 977 |
| Core capital (leverage) ratio | 13.5344% | 938 |
| Tier 1 risk-based capital ratio | 28.5924% | 597 |
| Total risk-based capital ratio | 29.5164% | 610 |
| Memoranda: | ||
| Average total assets | $401,106,000 | 1,652 |
| Average earning assets | $370,698,000 | 1,637 |
| Average equity | $56,766,000 | 1,253 |
| Average total loans | $238,961,000 | 1,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 4,520 |
| Cost of funding earning assets | 1.5571% | 566 |
| Net interest margin | 3.0797% | 6,386 |
| Noninterest income to average assets | 0.1884% | 6,151 |
| Noninterest expense to average assets | 1.8516% | 6,896 |
| Loan and lease loss provision to assets | 0.0854% | 5,534 |
| Net operating income to assets | 0.8179% | 2,962 |
| Return on assets (ROA) | 0.8290% | 3,078 |
| Pretax return on assets | 1.1005% | 2,834 |
| Return on Equity (ROE) | 5.9501% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.9501% | 2,045 |
| Net charge-offs to loans | 0.0084% | 6,314 |
| Credit loss provision to net charge-offs | 1,665.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 228.4000% | 147 |
| Efficiency ratio | 61.2586% | 5,569 |
| Assets per employee ($millions) | 9.2501% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 6,886 |
| Loan loss allowance to noncurrent loans | 239.8892% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 6,496 |
| Noncurrent loans to loans | 0.2985% | 6,125 |
| Net loans and leases to total assets | 60.3733% | 3,926 |
| Net loans and leases to deposits | 87.5030% | 1,451 |
| Net loans and leases to core deposits | 91.5321% | 1,937 |
| Total domestic deposits to total assets | 68.9957% | 7,032 |
| Equity capital to assets | 14.1818% | 1,010 |
| Core capital (leverage) ratio | 13.6516% | 908 |
| Tier 1 risk-based capital ratio | 27.9582% | 626 |
| Total risk-based capital ratio | 28.8585% | 642 |
| Memoranda: | ||
| Average total assets | $390,087,400 | 1,659 |
| Average earning assets | $358,999,400 | 1,650 |
| Average equity | $54,352,200 | 1,251 |
| Average total loans | $238,338,400 | 1,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 4,457 |
| Cost of funding earning assets | 1.6203% | 534 |
| Net interest margin | 3.0813% | 6,428 |
| Noninterest income to average assets | 0.1879% | 6,258 |
| Noninterest expense to average assets | 1.8500% | 6,921 |
| Loan and lease loss provision to assets | 0.0886% | 5,344 |
| Net operating income to assets | 0.8291% | 3,027 |
| Return on assets (ROA) | 0.8443% | 3,114 |
| Pretax return on assets | 1.1067% | 2,980 |
| Return on Equity (ROE) | 6.0872% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.0872% | 2,508 |
| Net charge-offs to loans | 0.0112% | 5,996 |
| Credit loss provision to net charge-offs | 1,290.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 171.0742% | 227 |
| Efficiency ratio | 61.1490% | 5,540 |
| Assets per employee ($millions) | 10.0036% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 6,982 |
| Loan loss allowance to noncurrent loans | 252.5915% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 6,643 |
| Noncurrent loans to loans | 0.2725% | 6,323 |
| Net loans and leases to total assets | 59.7527% | 4,174 |
| Net loans and leases to deposits | 86.4668% | 1,624 |
| Net loans and leases to core deposits | 90.0886% | 2,235 |
| Total domestic deposits to total assets | 69.1049% | 7,085 |
| Equity capital to assets | 14.1489% | 1,101 |
| Core capital (leverage) ratio | 13.4237% | 1,071 |
| Tier 1 risk-based capital ratio | 26.2246% | 812 |
| Total risk-based capital ratio | 27.0445% | 835 |
| Memoranda: | ||
| Average total assets | $388,170,500 | 1,681 |
| Average earning assets | $357,462,500 | 1,661 |
| Average equity | $53,838,000 | 1,263 |
| Average total loans | $237,455,500 | 1,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 4,282 |
| Cost of funding earning assets | 1.6701% | 531 |
| Net interest margin | 3.0832% | 6,442 |
| Noninterest income to average assets | 0.1775% | 6,385 |
| Noninterest expense to average assets | 1.8491% | 7,015 |
| Loan and lease loss provision to assets | 0.0953% | 5,140 |
| Net operating income to assets | 0.8667% | 2,790 |
| Return on assets (ROA) | 0.8886% | 2,795 |
| Pretax return on assets | 1.1010% | 2,845 |
| Return on Equity (ROE) | 6.4522% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.4522% | 2,169 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2625% | 5,691 |
| Assets per employee ($millions) | 9.7398% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 7,060 |
| Loan loss allowance to noncurrent loans | 244.2073% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,651 |
| Noncurrent loans to loans | 0.2733% | 6,378 |
| Net loans and leases to total assets | 61.2101% | 4,044 |
| Net loans and leases to deposits | 89.1700% | 1,359 |
| Net loans and leases to core deposits | 90.0430% | 2,370 |
| Total domestic deposits to total assets | 68.6443% | 7,164 |
| Equity capital to assets | 14.1371% | 1,052 |
| Core capital (leverage) ratio | 13.5568% | 979 |
| Tier 1 risk-based capital ratio | 27.1966% | 716 |
| Total risk-based capital ratio | 28.0304% | 725 |
| Memoranda: | ||
| Average total assets | $384,179,330 | 1,705 |
| Average earning assets | $353,984,670 | 1,691 |
| Average equity | $52,912,000 | 1,272 |
| Average total loans | $236,356,000 | 1,808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 4,107 |
| Cost of funding earning assets | 1.6966% | 555 |
| Net interest margin | 3.0928% | 6,367 |
| Noninterest income to average assets | 0.1804% | 6,430 |
| Noninterest expense to average assets | 1.9524% | 6,902 |
| Loan and lease loss provision to assets | 0.1573% | 4,058 |
| Net operating income to assets | 0.8898% | 2,615 |
| Return on assets (ROA) | 0.9427% | 2,448 |
| Pretax return on assets | 0.9752% | 3,221 |
| Return on Equity (ROE) | 6.9381% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.9381% | 2,171 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4291% | 5,294 |
| Assets per employee ($millions) | 9.6897% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 7,119 |
| Loan loss allowance to noncurrent loans | 2,120.2703% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,087 |
| Noncurrent loans to loans | 0.0314% | 6,981 |
| Net loans and leases to total assets | 60.4344% | 4,184 |
| Net loans and leases to deposits | 87.2699% | 1,555 |
| Net loans and leases to core deposits | 91.5732% | 2,170 |
| Total domestic deposits to total assets | 69.2500% | 7,219 |
| Equity capital to assets | 13.4886% | 1,186 |
| Core capital (leverage) ratio | 13.3697% | 1,004 |
| Tier 1 risk-based capital ratio | 26.9884% | 710 |
| Total risk-based capital ratio | 27.8074% | 725 |
| Memoranda: | ||
| Average total assets | $381,473,500 | 1,724 |
| Average earning assets | $351,527,500 | 1,708 |
| Average equity | $51,829,500 | 1,287 |
| Average total loans | $234,498,500 | 1,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 4,539 |
| Cost of funding earning assets | 1.8595% | 969 |
| Net interest margin | 3.1443% | 6,401 |
| Noninterest income to average assets | 0.2358% | 6,112 |
| Noninterest expense to average assets | 1.9141% | 7,138 |
| Loan and lease loss provision to assets | 0.0664% | 6,481 |
| Net operating income to assets | 0.8307% | 2,668 |
| Return on assets (ROA) | 0.8284% | 2,818 |
| Pretax return on assets | 1.1280% | 2,469 |
| Return on Equity (ROE) | 5.6311% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,032 |
| Net charge-offs to loans | 0.0305% | 6,502 |
| Credit loss provision to net charge-offs | 330.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 396 |
| Efficiency ratio | 61.5136% | 5,808 |
| Assets per employee ($millions) | 9.3840% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 7,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,194 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.7469% | 4,333 |
| Net loans and leases to deposits | 90.1612% | 1,503 |
| Net loans and leases to core deposits | 95.7894% | 2,039 |
| Total domestic deposits to total assets | 68.4849% | 7,306 |
| Equity capital to assets | 13.6879% | 1,131 |
| Core capital (leverage) ratio | 13.2819% | 1,035 |
| Tier 1 risk-based capital ratio | 25.8748% | 767 |
| Total risk-based capital ratio | 26.6169% | 788 |
| Memoranda: | ||
| Average total assets | $347,780,200 | 1,878 |
| Average earning assets | $318,100,800 | 1,869 |
| Average equity | $51,162,200 | 1,303 |
| Average total loans | $229,496,200 | 1,904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 4,691 |
| Cost of funding earning assets | 1.8626% | 1,157 |
| Net interest margin | 3.1640% | 6,447 |
| Noninterest income to average assets | 0.2237% | 6,303 |
| Noninterest expense to average assets | 1.9009% | 7,208 |
| Loan and lease loss provision to assets | 0.0317% | 6,755 |
| Net operating income to assets | 0.8671% | 2,758 |
| Return on assets (ROA) | 0.8640% | 2,900 |
| Pretax return on assets | 1.1757% | 2,582 |
| Return on Equity (ROE) | 5.7628% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.7628% | 2,505 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0706% | 5,778 |
| Assets per employee ($millions) | 9.3035% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 7,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 7,171 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 60.3547% | 4,841 |
| Net loans and leases to deposits | 89.8633% | 1,745 |
| Net loans and leases to core deposits | 95.5091% | 2,320 |
| Total domestic deposits to total assets | 67.1628% | 7,419 |
| Equity capital to assets | 13.8620% | 1,211 |
| Core capital (leverage) ratio | 13.2493% | 1,134 |
| Tier 1 risk-based capital ratio | 26.3967% | 746 |
| Total risk-based capital ratio | 27.1043% | 772 |
| Memoranda: | ||
| Average total assets | $340,885,250 | 1,945 |
| Average earning assets | $311,245,250 | 1,942 |
| Average equity | $51,108,000 | 1,312 |
| Average total loans | $228,572,250 | 1,930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 4,388 |
| Cost of funding earning assets | 1.8409% | 1,481 |
| Net interest margin | 3.2722% | 6,104 |
| Noninterest income to average assets | 0.2328% | 6,242 |
| Noninterest expense to average assets | 2.0106% | 7,089 |
| Loan and lease loss provision to assets | 0.0110% | 6,794 |
| Net operating income to assets | 0.9197% | 2,475 |
| Return on assets (ROA) | 0.9146% | 2,602 |
| Pretax return on assets | 1.1822% | 2,472 |
| Return on Equity (ROE) | 5.9265% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.9265% | 2,372 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6261% | 5,586 |
| Assets per employee ($millions) | 8.6304% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5522% | 7,466 |
| Loan loss allowance to noncurrent loans | 661.1399% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 7,204 |
| Noncurrent loans to loans | 0.0835% | 7,100 |
| Net loans and leases to total assets | 66.5632% | 3,722 |
| Net loans and leases to deposits | 104.8447% | 445 |
| Net loans and leases to core deposits | 112.0148% | 1,031 |
| Total domestic deposits to total assets | 63.4874% | 7,597 |
| Equity capital to assets | 15.0057% | 884 |
| Core capital (leverage) ratio | 14.4180% | 832 |
| Tier 1 risk-based capital ratio | 28.6388% | 589 |
| Total risk-based capital ratio | 29.3814% | 606 |
| Memoranda: | ||
| Average total assets | $327,365,330 | 2,030 |
| Average earning assets | $297,902,000 | 2,040 |
| Average equity | $50,518,670 | 1,323 |
| Average total loans | $227,576,670 | 1,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 3,978 |
| Cost of funding earning assets | 1.8484% | 1,666 |
| Net interest margin | 3.3591% | 5,754 |
| Noninterest income to average assets | 0.2349% | 6,273 |
| Noninterest expense to average assets | 2.0035% | 7,153 |
| Loan and lease loss provision to assets | 0.0100% | 6,505 |
| Net operating income to assets | 1.0363% | 2,049 |
| Return on assets (ROA) | 1.0250% | 2,152 |
| Pretax return on assets | 1.2574% | 2,187 |
| Return on Equity (ROE) | 6.5441% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.5441% | 2,352 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9943% | 6,006 |
| Assets per employee ($millions) | 9.3936% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 7,544 |
| Loan loss allowance to noncurrent loans | 655.9585% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 7,283 |
| Noncurrent loans to loans | 0.0851% | 7,178 |
| Net loans and leases to total assets | 70.5995% | 2,783 |
| Net loans and leases to deposits | 115.7880% | 183 |
| Net loans and leases to core deposits | 124.2955% | 639 |
| Total domestic deposits to total assets | 60.9731% | 7,740 |
| Equity capital to assets | 15.8027% | 700 |
| Core capital (leverage) ratio | 15.3269% | 684 |
| Tier 1 risk-based capital ratio | 29.7969% | 536 |
| Total risk-based capital ratio | 30.5748% | 547 |
| Memoranda: | ||
| Average total assets | $318,440,500 | 2,138 |
| Average earning assets | $289,122,500 | 2,151 |
| Average equity | $49,877,000 | 1,341 |
| Average total loans | $225,834,000 | 2,030 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 4,594 |
| Cost of funding earning assets | 2.3197% | 1,582 |
| Net interest margin | 3.1000% | 6,371 |
| Noninterest income to average assets | 0.2346% | 6,435 |
| Noninterest expense to average assets | 2.2266% | 6,921 |
| Loan and lease loss provision to assets | 0.1021% | 6,613 |
| Net operating income to assets | 0.5094% | 3,689 |
| Return on assets (ROA) | -0.0500% | 5,609 |
| Pretax return on assets | -0.1471% | 5,638 |
| Return on Equity (ROE) | -0.3137% | 5,587 |
| Retained earnings to average equity (ytd only) | -0.3137% | 5,025 |
| Net charge-offs to loans | 0.0058% | 7,162 |
| Credit loss provision to net charge-offs | 2,566.6667% | 128 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 133 |
| Efficiency ratio | 72.8692% | 4,123 |
| Assets per employee ($millions) | 9.6212% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 7,607 |
| Loan loss allowance to noncurrent loans | 651.8135% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 7,291 |
| Noncurrent loans to loans | 0.0858% | 7,202 |
| Net loans and leases to total assets | 70.4449% | 3,148 |
| Net loans and leases to deposits | 120.8951% | 166 |
| Net loans and leases to core deposits | 141.8329% | 738 |
| Total domestic deposits to total assets | 58.2695% | 7,829 |
| Equity capital to assets | 15.5223% | 783 |
| Core capital (leverage) ratio | 15.1759% | 746 |
| Tier 1 risk-based capital ratio | 29.7471% | 539 |
| Total risk-based capital ratio | 30.5291% | 552 |
| Memoranda: | ||
| Average total assets | $301,806,400 | 2,206 |
| Average earning assets | $274,647,400 | 2,208 |
| Average equity | $48,132,200 | 1,400 |
| Average total loans | $206,106,600 | 2,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 4,728 |
| Cost of funding earning assets | 2.4258% | 1,539 |
| Net interest margin | 3.0159% | 6,560 |
| Noninterest income to average assets | 0.2305% | 6,576 |
| Noninterest expense to average assets | 2.3132% | 6,665 |
| Loan and lease loss provision to assets | 0.1132% | 6,237 |
| Net operating income to assets | 0.3725% | 4,505 |
| Return on assets (ROA) | -0.3831% | 6,293 |
| Pretax return on assets | -0.6315% | 6,430 |
| Return on Equity (ROE) | -2.3854% | 6,148 |
| Retained earnings to average equity (ytd only) | -2.3854% | 5,793 |
| Net charge-offs to loans | 0.0079% | 6,854 |
| Credit loss provision to net charge-offs | 2,108.3333% | 187 |
| Earnings coverage of net charge-offs (x) | 123.3300% | 303 |
| Efficiency ratio | 77.7377% | 3,208 |
| Assets per employee ($millions) | 9.3838% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 7,634 |
| Loan loss allowance to noncurrent loans | 623.3161% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 7,319 |
| Noncurrent loans to loans | 0.0893% | 7,262 |
| Net loans and leases to total assets | 69.4317% | 3,626 |
| Net loans and leases to deposits | 118.1048% | 239 |
| Net loans and leases to core deposits | 141.1414% | 866 |
| Total domestic deposits to total assets | 58.7882% | 7,897 |
| Equity capital to assets | 15.7745% | 830 |
| Core capital (leverage) ratio | 15.0984% | 835 |
| Tier 1 risk-based capital ratio | 30.4354% | 542 |
| Total risk-based capital ratio | 31.2248% | 554 |
| Memoranda: | ||
| Average total assets | $297,883,250 | 2,239 |
| Average earning assets | $271,131,750 | 2,248 |
| Average equity | $47,844,500 | 1,430 |
| Average total loans | $201,403,250 | 2,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 4,831 |
| Cost of funding earning assets | 2.5677% | 1,380 |
| Net interest margin | 2.8948% | 6,813 |
| Noninterest income to average assets | 0.2368% | 6,586 |
| Noninterest expense to average assets | 2.5739% | 5,841 |
| Loan and lease loss provision to assets | 0.1163% | 5,976 |
| Net operating income to assets | 0.1377% | 5,457 |
| Return on assets (ROA) | -1.0110% | 6,992 |
| Pretax return on assets | -1.6172% | 7,139 |
| Return on Equity (ROE) | -6.2555% | 6,738 |
| Retained earnings to average equity (ytd only) | -6.2555% | 6,484 |
| Net charge-offs to loans | 0.0122% | 6,385 |
| Credit loss provision to net charge-offs | 1,425.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 882 |
| Efficiency ratio | 89.7509% | 1,837 |
| Assets per employee ($millions) | 9.0078% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 7,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 7,535 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.1872% | 3,905 |
| Net loans and leases to deposits | 115.5852% | 344 |
| Net loans and leases to core deposits | 138.2627% | 1,092 |
| Total domestic deposits to total assets | 59.8582% | 7,935 |
| Equity capital to assets | 16.2399% | 792 |
| Core capital (leverage) ratio | 15.8674% | 761 |
| Tier 1 risk-based capital ratio | 31.8556% | 504 |
| Total risk-based capital ratio | 32.6161% | 513 |
| Memoranda: | ||
| Average total assets | $293,956,330 | 2,293 |
| Average earning assets | $267,167,000 | 2,294 |
| Average equity | $47,510,000 | 1,451 |
| Average total loans | $196,468,330 | 2,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 5,476 |
| Cost of funding earning assets | 2.6443% | 1,431 |
| Net interest margin | 2.7467% | 7,098 |
| Noninterest income to average assets | 0.2231% | 6,685 |
| Noninterest expense to average assets | 3.1679% | 3,123 |
| Loan and lease loss provision to assets | 0.1902% | 4,534 |
| Net operating income to assets | -0.4025% | 6,787 |
| Return on assets (ROA) | -2.7163% | 7,801 |
| Pretax return on assets | -4.2544% | 7,933 |
| Return on Equity (ROE) | -16.8477% | 7,668 |
| Retained earnings to average equity (ytd only) | -16.8477% | 7,526 |
| Net charge-offs to loans | 0.0251% | 5,195 |
| Credit loss provision to net charge-offs | 1,158.3333% | 550 |
| Earnings coverage of net charge-offs (x) | -27.3333% | 5,680 |
| Efficiency ratio | 116.5073% | 685 |
| Assets per employee ($millions) | 8.9578% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 7,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,520 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.5044% | 4,702 |
| Net loans and leases to deposits | 112.0424% | 520 |
| Net loans and leases to core deposits | 135.4034% | 1,341 |
| Total domestic deposits to total assets | 58.4640% | 8,000 |
| Equity capital to assets | 15.8502% | 899 |
| Core capital (leverage) ratio | 15.6299% | 839 |
| Tier 1 risk-based capital ratio | 31.8445% | 539 |
| Total risk-based capital ratio | 32.5984% | 550 |
| Memoranda: | ||
| Average total assets | $292,306,500 | 2,319 |
| Average earning assets | $265,625,000 | 2,321 |
| Average equity | $47,128,000 | 1,465 |
| Average total loans | $191,310,500 | 2,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 7,205 |
| Cost of funding earning assets | 2.9693% | 1,988 |
| Net interest margin | 2.5730% | 7,670 |
| Noninterest income to average assets | 0.2629% | 6,574 |
| Noninterest expense to average assets | 1.7943% | 7,760 |
| Loan and lease loss provision to assets | 2.4365% | 434 |
| Net operating income to assets | -0.9888% | 7,244 |
| Return on assets (ROA) | -0.9881% | 7,160 |
| Pretax return on assets | -1.6235% | 7,305 |
| Return on Equity (ROE) | -5.7677% | 6,943 |
| Retained earnings to average equity (ytd only) | -5.7677% | 6,637 |
| Net charge-offs to loans | 0.0244% | 6,502 |
| Credit loss provision to net charge-offs | 16,133.3333% | 40 |
| Earnings coverage of net charge-offs (x) | 53.7619% | 728 |
| Efficiency ratio | 68.8466% | 4,567 |
| Assets per employee ($millions) | 9.0315% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5120% | 7,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,459 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.6818% | 5,131 |
| Net loans and leases to deposits | 115.7908% | 533 |
| Net loans and leases to core deposits | 143.9368% | 1,096 |
| Total domestic deposits to total assets | 55.8609% | 8,061 |
| Equity capital to assets | 16.4017% | 860 |
| Core capital (leverage) ratio | 16.5376% | 755 |
| Tier 1 risk-based capital ratio | 34.1463% | 475 |
| Total risk-based capital ratio | 34.8317% | 480 |
| Memoranda: | ||
| Average total assets | $278,102,800 | 2,324 |
| Average earning assets | $253,288,800 | 2,339 |
| Average equity | $47,644,400 | 1,437 |
| Average total loans | $171,795,400 | 2,587 |