Home > The Berkshire Bank > Performance and Condition Ratios
The Berkshire Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 2,877 |
| Cost of funding earning assets | 1.0901% | 3,096 |
| Net interest margin | 3.5163% | 2,149 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 2.4935% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6826% | 3,236 |
| Return on assets (ROA) | 0.5245% | 3,601 |
| Pretax return on assets | 0.7721% | 3,279 |
| Return on Equity (ROE) | 2.6000% | 4,085 |
| Retained earnings to average equity (ytd only) | 2.6012% | 3,410 |
| Net charge-offs to loans | 0.0635% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 33.6897% | 1,558 |
| Efficiency ratio | 71.9454% | 1,666 |
| Assets per employee ($millions) | 6.7271% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3278% | 95 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.5800% | 3,948 |
| Net loans and leases to deposits | 55.0096% | 3,752 |
| Net loans and leases to core deposits | 57.1975% | 3,866 |
| Total domestic deposits to total assets | 77.4000% | 3,798 |
| Equity capital to assets | 21.5467% | 254 |
| Core capital (leverage) ratio | 21.8064% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1763% | 102 |
| Memoranda: | ||
| Average total assets | $602,875,800 | 1,469 |
| Average earning assets | $588,465,600 | 1,397 |
| Average equity | $121,558,000 | 811 |
| Average total loans | $273,999,600 | 1,901 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 3,114 |
| Cost of funding earning assets | 0.9914% | 3,061 |
| Net interest margin | 3.4045% | 2,444 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 2.3480% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7173% | 3,271 |
| Return on assets (ROA) | 0.4742% | 3,820 |
| Pretax return on assets | 0.6984% | 3,557 |
| Return on Equity (ROE) | 2.3900% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.3910% | 3,652 |
| Net charge-offs to loans | 0.0832% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 26.4080% | 1,667 |
| Efficiency ratio | 70.0046% | 1,779 |
| Assets per employee ($millions) | 7.1404% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1115% | 113 |
| Loan loss allowance to noncurrent loans | 295.9511% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 1,211 |
| Noncurrent loans to loans | 1.0514% | 765 |
| Net loans and leases to total assets | 44.0200% | 3,913 |
| Net loans and leases to deposits | 55.9877% | 3,710 |
| Net loans and leases to core deposits | 58.2943% | 3,774 |
| Total domestic deposits to total assets | 78.6200% | 3,751 |
| Equity capital to assets | 20.2914% | 279 |
| Core capital (leverage) ratio | 21.1470% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.6378% | 117 |
| Memoranda: | ||
| Average total assets | $608,961,500 | 1,462 |
| Average earning assets | $594,409,000 | 1,392 |
| Average equity | $120,783,750 | 814 |
| Average total loans | $278,801,500 | 1,882 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,428 |
| Cost of funding earning assets | 0.8727% | 3,019 |
| Net interest margin | 3.2571% | 2,850 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 2.3078% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6626% | 3,427 |
| Return on assets (ROA) | 0.3732% | 4,063 |
| Pretax return on assets | 0.5418% | 3,893 |
| Return on Equity (ROE) | 1.9000% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.8958% | 3,743 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7610% | 1,581 |
| Assets per employee ($millions) | 7.5648% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0894% | 124 |
| Loan loss allowance to noncurrent loans | 273.0514% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 1,029 |
| Noncurrent loans to loans | 1.1314% | 627 |
| Net loans and leases to total assets | 45.4200% | 3,826 |
| Net loans and leases to deposits | 57.7114% | 3,555 |
| Net loans and leases to core deposits | 59.7427% | 3,648 |
| Total domestic deposits to total assets | 78.7000% | 3,760 |
| Equity capital to assets | 20.3013% | 275 |
| Core capital (leverage) ratio | 20.8583% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1072% | 121 |
| Memoranda: | ||
| Average total assets | $612,018,000 | 1,449 |
| Average earning assets | $597,711,000 | 1,383 |
| Average equity | $120,476,333 | 808 |
| Average total loans | $280,901,000 | 1,860 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 3,747 |
| Cost of funding earning assets | 0.7250% | 2,969 |
| Net interest margin | 3.1401% | 3,260 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 2.2331% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6875% | 3,501 |
| Return on assets (ROA) | 0.1344% | 4,385 |
| Pretax return on assets | 0.1699% | 4,365 |
| Return on Equity (ROE) | 0.6900% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.6930% | 3,910 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.9609% | 1,535 |
| Assets per employee ($millions) | 7.9325% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0740% | 120 |
| Loan loss allowance to noncurrent loans | 3,605.4167% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,398 |
| Noncurrent loans to loans | 0.0853% | 3,131 |
| Net loans and leases to total assets | 44.1000% | 3,863 |
| Net loans and leases to deposits | 55.5473% | 3,594 |
| Net loans and leases to core deposits | 57.6884% | 3,647 |
| Total domestic deposits to total assets | 79.3800% | 3,848 |
| Equity capital to assets | 19.5595% | 250 |
| Core capital (leverage) ratio | 20.5964% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3900% | 121 |
| Memoranda: | ||
| Average total assets | $619,219,000 | 1,458 |
| Average earning assets | $604,691,000 | 1,392 |
| Average equity | $120,052,500 | 820 |
| Average total loans | $281,306,000 | 1,876 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 3,668 |
| Cost of funding earning assets | 0.2546% | 3,285 |
| Net interest margin | 3.0129% | 3,418 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.1309% | 3,217 |
| Loan and lease loss provision to assets | -0.2500% | 4,648 |
| Net operating income to assets | 0.8215% | 3,249 |
| Return on assets (ROA) | 0.3694% | 4,253 |
| Pretax return on assets | 0.5456% | 4,105 |
| Return on Equity (ROE) | 2.0100% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0117% | 3,974 |
| Net charge-offs to loans | -0.1669% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.0616% | 1,554 |
| Assets per employee ($millions) | 7.8443% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1179% | 108 |
| Loan loss allowance to noncurrent loans | 3,652.0833% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,416 |
| Noncurrent loans to loans | 0.0854% | 3,144 |
| Net loans and leases to total assets | 43.9500% | 3,898 |
| Net loans and leases to deposits | 55.0500% | 3,627 |
| Net loans and leases to core deposits | 56.5699% | 3,698 |
| Total domestic deposits to total assets | 79.8400% | 3,900 |
| Equity capital to assets | 19.2162% | 245 |
| Core capital (leverage) ratio | 19.7811% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.4319% | 124 |
| Memoranda: | ||
| Average total assets | $654,325,800 | 1,370 |
| Average earning assets | $641,051,600 | 1,316 |
| Average equity | $120,144,600 | 816 |
| Average total loans | $291,823,400 | 1,762 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 3,665 |
| Cost of funding earning assets | 0.1813% | 3,504 |
| Net interest margin | 2.9249% | 3,422 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.0941% | 3,222 |
| Loan and lease loss provision to assets | -0.2100% | 4,682 |
| Net operating income to assets | 0.7704% | 3,352 |
| Return on assets (ROA) | 0.2618% | 4,386 |
| Pretax return on assets | 0.3871% | 4,278 |
| Return on Equity (ROE) | 1.4400% | 4,458 |
| Retained earnings to average equity (ytd only) | 1.4417% | 4,150 |
| Net charge-offs to loans | -0.2205% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8039% | 1,543 |
| Assets per employee ($millions) | 8.1697% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2885% | 102 |
| Loan loss allowance to noncurrent loans | 3,902.0833% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,544 |
| Noncurrent loans to loans | 0.0843% | 3,275 |
| Net loans and leases to total assets | 42.6700% | 3,960 |
| Net loans and leases to deposits | 52.7618% | 3,681 |
| Net loans and leases to core deposits | 53.9751% | 3,747 |
| Total domestic deposits to total assets | 80.8800% | 4,004 |
| Equity capital to assets | 18.1380% | 265 |
| Core capital (leverage) ratio | 19.2274% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0222% | 131 |
| Memoranda: | ||
| Average total assets | $662,982,000 | 1,361 |
| Average earning assets | $650,036,500 | 1,312 |
| Average equity | $120,410,000 | 827 |
| Average total loans | $294,499,250 | 1,739 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 3,688 |
| Cost of funding earning assets | 0.1498% | 3,579 |
| Net interest margin | 2.7949% | 3,462 |
| Noninterest income to average assets | 0.0383% | 4,667 |
| Noninterest expense to average assets | 2.0788% | 3,209 |
| Loan and lease loss provision to assets | -0.2093% | 4,685 |
| Net operating income to assets | 0.7035% | 3,300 |
| Return on assets (ROA) | 0.1014% | 4,479 |
| Pretax return on assets | 0.1507% | 4,451 |
| Return on Equity (ROE) | 0.5579% | 4,509 |
| Retained earnings to average equity (ytd only) | 0.5579% | 4,081 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7125% | 1,423 |
| Assets per employee ($millions) | 8.3059% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2530% | 112 |
| Loan loss allowance to noncurrent loans | 1,316.5714% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 2,892 |
| Noncurrent loans to loans | 0.2471% | 2,496 |
| Net loans and leases to total assets | 41.7720% | 3,989 |
| Net loans and leases to deposits | 51.6261% | 3,718 |
| Net loans and leases to core deposits | 52.9433% | 3,761 |
| Total domestic deposits to total assets | 80.9125% | 4,137 |
| Equity capital to assets | 18.1738% | 218 |
| Core capital (leverage) ratio | 18.5443% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.4998% | 91 |
| Memoranda: | ||
| Average total assets | $668,841,667 | 1,362 |
| Average earning assets | $656,707,667 | 1,318 |
| Average equity | $121,525,667 | 831 |
| Average total loans | $297,738,333 | 1,711 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7267% | 3,889 |
| Cost of funding earning assets | 0.1416% | 3,604 |
| Net interest margin | 2.5851% | 3,695 |
| Noninterest income to average assets | 0.0415% | 4,678 |
| Noninterest expense to average assets | 2.0587% | 3,277 |
| Loan and lease loss provision to assets | -0.1777% | 4,672 |
| Net operating income to assets | 0.6467% | 3,240 |
| Return on assets (ROA) | 0.0059% | 4,525 |
| Pretax return on assets | -0.1096% | 4,576 |
| Return on Equity (ROE) | 0.0326% | 4,527 |
| Retained earnings to average equity (ytd only) | 0.0326% | 4,007 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7201% | 1,173 |
| Assets per employee ($millions) | 8.4869% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1817% | 134 |
| Loan loss allowance to noncurrent loans | 106.7496% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 295 |
| Noncurrent loans to loans | 2.9805% | 183 |
| Net loans and leases to total assets | 43.0978% | 3,811 |
| Net loans and leases to deposits | 53.0786% | 3,487 |
| Net loans and leases to core deposits | 55.7304% | 3,466 |
| Total domestic deposits to total assets | 81.1963% | 4,180 |
| Equity capital to assets | 17.8432% | 233 |
| Core capital (leverage) ratio | 18.4344% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2903% | 114 |
| Memoranda: | ||
| Average total assets | $675,178,000 | 1,356 |
| Average earning assets | $663,656,500 | 1,309 |
| Average equity | $122,663,000 | 841 |
| Average total loans | $304,952,000 | 1,684 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 4,360 |
| Cost of funding earning assets | 0.1832% | 3,623 |
| Net interest margin | 2.4632% | 4,240 |
| Noninterest income to average assets | 0.0302% | 4,756 |
| Noninterest expense to average assets | 2.1829% | 3,137 |
| Loan and lease loss provision to assets | -0.0150% | 4,196 |
| Net operating income to assets | 0.1833% | 4,554 |
| Return on assets (ROA) | 0.2619% | 4,483 |
| Pretax return on assets | 0.3856% | 4,411 |
| Return on Equity (ROE) | 1.4138% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.4138% | 4,148 |
| Net charge-offs to loans | 0.1055% | 830 |
| Credit loss provision to net charge-offs | -29.8507% | 3,208 |
| Earnings coverage of net charge-offs (x) | 5.4119% | 2,446 |
| Efficiency ratio | 88.9498% | 359 |
| Assets per employee ($millions) | 8.7195% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2229% | 121 |
| Loan loss allowance to noncurrent loans | 80.5720% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 190 |
| Noncurrent loans to loans | 4.0000% | 103 |
| Net loans and leases to total assets | 44.3486% | 3,817 |
| Net loans and leases to deposits | 55.0911% | 3,510 |
| Net loans and leases to core deposits | 57.9934% | 3,476 |
| Total domestic deposits to total assets | 80.5005% | 4,163 |
| Equity capital to assets | 18.4955% | 236 |
| Core capital (leverage) ratio | 18.6085% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4045% | 122 |
| Memoranda: | ||
| Average total assets | $668,562,400 | 1,329 |
| Average earning assets | $657,876,200 | 1,281 |
| Average equity | $123,851,200 | 836 |
| Average total loans | $317,635,400 | 1,633 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6433% | 4,462 |
| Cost of funding earning assets | 0.1929% | 3,692 |
| Net interest margin | 2.4504% | 4,342 |
| Noninterest income to average assets | 0.0301% | 4,833 |
| Noninterest expense to average assets | 2.2621% | 2,856 |
| Loan and lease loss provision to assets | -0.0199% | 4,357 |
| Net operating income to assets | 0.1248% | 4,678 |
| Return on assets (ROA) | 0.2286% | 4,625 |
| Pretax return on assets | 0.3308% | 4,567 |
| Return on Equity (ROE) | 1.2334% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.2334% | 4,364 |
| Net charge-offs to loans | 0.1395% | 584 |
| Credit loss provision to net charge-offs | -29.8507% | 3,103 |
| Earnings coverage of net charge-offs (x) | 2.6836% | 2,338 |
| Efficiency ratio | 92.6492% | 257 |
| Assets per employee ($millions) | 8.4279% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1737% | 132 |
| Loan loss allowance to noncurrent loans | 110.0688% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3624% | 397 |
| Noncurrent loans to loans | 2.8833% | 236 |
| Net loans and leases to total assets | 45.4336% | 3,832 |
| Net loans and leases to deposits | 56.6610% | 3,521 |
| Net loans and leases to core deposits | 59.5956% | 3,498 |
| Total domestic deposits to total assets | 80.1849% | 4,204 |
| Equity capital to assets | 18.5958% | 249 |
| Core capital (leverage) ratio | 18.6465% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0945% | 135 |
| Memoranda: | ||
| Average total assets | $667,852,750 | 1,341 |
| Average earning assets | $657,244,250 | 1,291 |
| Average equity | $123,769,250 | 849 |
| Average total loans | $320,126,000 | 1,651 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6557% | 4,500 |
| Cost of funding earning assets | 0.2076% | 3,673 |
| Net interest margin | 2.4481% | 4,369 |
| Noninterest income to average assets | 0.0311% | 4,867 |
| Noninterest expense to average assets | 2.3418% | 2,639 |
| Loan and lease loss provision to assets | -0.0299% | 4,466 |
| Net operating income to assets | 0.0758% | 4,731 |
| Return on assets (ROA) | 0.1627% | 4,679 |
| Pretax return on assets | 0.2390% | 4,643 |
| Return on Equity (ROE) | 0.8792% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.8792% | 4,370 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9431% | 220 |
| Assets per employee ($millions) | 8.1200% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1262% | 131 |
| Loan loss allowance to noncurrent loans | 93.8645% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 317 |
| Noncurrent loans to loans | 3.3306% | 197 |
| Net loans and leases to total assets | 47.7027% | 3,758 |
| Net loans and leases to deposits | 59.4671% | 3,434 |
| Net loans and leases to core deposits | 62.7014% | 3,402 |
| Total domestic deposits to total assets | 80.2171% | 4,207 |
| Equity capital to assets | 18.6399% | 247 |
| Core capital (leverage) ratio | 18.4984% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0870% | 158 |
| Memoranda: | ||
| Average total assets | $668,534,667 | 1,336 |
| Average earning assets | $658,060,333 | 1,292 |
| Average equity | $123,755,000 | 849 |
| Average total loans | $322,696,333 | 1,654 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7536% | 4,426 |
| Cost of funding earning assets | 0.2342% | 3,610 |
| Net interest margin | 2.5193% | 4,268 |
| Noninterest income to average assets | 0.0251% | 4,897 |
| Noninterest expense to average assets | 2.3831% | 2,546 |
| Loan and lease loss provision to assets | -0.0597% | 4,667 |
| Net operating income to assets | 0.1274% | 4,690 |
| Return on assets (ROA) | 0.0991% | 4,724 |
| Pretax return on assets | 0.1451% | 4,708 |
| Return on Equity (ROE) | 0.5373% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.5373% | 4,295 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1598% | 264 |
| Assets per employee ($millions) | 7.7504% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2299% | 124 |
| Loan loss allowance to noncurrent loans | 1,464.2857% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,596 |
| Noncurrent loans to loans | 0.2206% | 3,311 |
| Net loans and leases to total assets | 46.0736% | 3,952 |
| Net loans and leases to deposits | 57.2363% | 3,699 |
| Net loans and leases to core deposits | 59.7562% | 3,718 |
| Total domestic deposits to total assets | 80.4971% | 4,141 |
| Equity capital to assets | 18.5293% | 241 |
| Core capital (leverage) ratio | 18.4795% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0683% | 150 |
| Memoranda: | ||
| Average total assets | $669,884,000 | 1,332 |
| Average earning assets | $659,219,000 | 1,280 |
| Average equity | $123,577,000 | 835 |
| Average total loans | $320,108,500 | 1,668 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 4,477 |
| Cost of funding earning assets | 0.5091% | 2,892 |
| Net interest margin | 2.6684% | 4,421 |
| Noninterest income to average assets | 0.0382% | 4,882 |
| Noninterest expense to average assets | 2.1912% | 3,687 |
| Loan and lease loss provision to assets | 0.4838% | 537 |
| Net operating income to assets | 0.0953% | 4,673 |
| Return on assets (ROA) | 0.1030% | 4,705 |
| Pretax return on assets | -0.0013% | 4,765 |
| Return on Equity (ROE) | 0.5703% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.5703% | 4,352 |
| Net charge-offs to loans | 0.0248% | 2,547 |
| Credit loss provision to net charge-offs | 3,968.6747% | 270 |
| Earnings coverage of net charge-offs (x) | 38.7831% | 1,413 |
| Efficiency ratio | 82.2527% | 734 |
| Assets per employee ($millions) | 7.8284% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2056% | 120 |
| Loan loss allowance to noncurrent loans | 1,478.5714% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,724 |
| Noncurrent loans to loans | 0.2168% | 3,425 |
| Net loans and leases to total assets | 46.4205% | 4,104 |
| Net loans and leases to deposits | 57.5306% | 3,914 |
| Net loans and leases to core deposits | 60.1256% | 3,939 |
| Total domestic deposits to total assets | 80.6883% | 3,927 |
| Equity capital to assets | 18.3671% | 249 |
| Core capital (leverage) ratio | 17.9710% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6996% | 153 |
| Memoranda: | ||
| Average total assets | $680,872,600 | 1,202 |
| Average earning assets | $669,985,400 | 1,153 |
| Average equity | $122,909,400 | 804 |
| Average total loans | $334,736,400 | 1,560 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 4,497 |
| Cost of funding earning assets | 0.5801% | 2,739 |
| Net interest margin | 2.7027% | 4,461 |
| Noninterest income to average assets | 0.0365% | 4,920 |
| Noninterest expense to average assets | 2.2382% | 3,582 |
| Loan and lease loss provision to assets | 0.5456% | 504 |
| Net operating income to assets | -0.0534% | 4,792 |
| Return on assets (ROA) | -0.0814% | 4,819 |
| Pretax return on assets | -0.1234% | 4,818 |
| Return on Equity (ROE) | -0.4530% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.4530% | 4,547 |
| Net charge-offs to loans | 0.0328% | 2,171 |
| Credit loss provision to net charge-offs | 3,365.0602% | 320 |
| Earnings coverage of net charge-offs (x) | 28.2410% | 1,638 |
| Efficiency ratio | 83.0219% | 671 |
| Assets per employee ($millions) | 7.7128% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0250% | 134 |
| Loan loss allowance to noncurrent loans | 363.8714% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,561 |
| Noncurrent loans to loans | 0.8313% | 1,764 |
| Net loans and leases to total assets | 46.0004% | 4,315 |
| Net loans and leases to deposits | 56.6792% | 4,224 |
| Net loans and leases to core deposits | 59.2507% | 4,244 |
| Total domestic deposits to total assets | 81.1592% | 3,620 |
| Equity capital to assets | 17.8197% | 313 |
| Core capital (leverage) ratio | 17.5333% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0512% | 166 |
| Memoranda: | ||
| Average total assets | $682,780,500 | 1,186 |
| Average earning assets | $671,863,500 | 1,125 |
| Average equity | $122,723,000 | 795 |
| Average total loans | $337,702,500 | 1,540 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 4,553 |
| Cost of funding earning assets | 0.6736% | 2,535 |
| Net interest margin | 2.7104% | 4,545 |
| Noninterest income to average assets | 0.0481% | 4,920 |
| Noninterest expense to average assets | 2.2017% | 3,781 |
| Loan and lease loss provision to assets | 0.0804% | 3,282 |
| Net operating income to assets | 0.3330% | 4,359 |
| Return on assets (ROA) | 0.2524% | 4,545 |
| Pretax return on assets | 0.3298% | 4,497 |
| Return on Equity (ROE) | 1.4000% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.4000% | 3,973 |
| Net charge-offs to loans | 0.0486% | 1,790 |
| Credit loss provision to net charge-offs | 330.1205% | 1,552 |
| Earnings coverage of net charge-offs (x) | 21.0361% | 1,666 |
| Efficiency ratio | 81.1223% | 811 |
| Assets per employee ($millions) | 8.1091% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 346 |
| Loan loss allowance to noncurrent loans | 557.0669% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 3,600 |
| Noncurrent loans to loans | 0.3920% | 2,998 |
| Net loans and leases to total assets | 44.5052% | 4,430 |
| Net loans and leases to deposits | 54.1518% | 4,373 |
| Net loans and leases to core deposits | 56.3859% | 4,419 |
| Total domestic deposits to total assets | 82.1860% | 3,322 |
| Equity capital to assets | 16.7609% | 394 |
| Core capital (leverage) ratio | 17.6214% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8251% | 176 |
| Memoranda: | ||
| Average total assets | $681,560,000 | 1,173 |
| Average earning assets | $670,378,000 | 1,110 |
| Average equity | $122,856,667 | 785 |
| Average total loans | $341,731,333 | 1,505 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,216 |
| Cost of funding earning assets | 0.7647% | 2,583 |
| Net interest margin | 3.0445% | 4,205 |
| Noninterest income to average assets | 0.0588% | 4,953 |
| Noninterest expense to average assets | 2.2346% | 3,923 |
| Loan and lease loss provision to assets | 0.1677% | 1,749 |
| Net operating income to assets | 0.4839% | 3,934 |
| Return on assets (ROA) | 0.1463% | 4,608 |
| Pretax return on assets | 0.2198% | 4,547 |
| Return on Equity (ROE) | 0.7808% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.7808% | 3,793 |
| Net charge-offs to loans | 0.0963% | 1,108 |
| Credit loss provision to net charge-offs | 330.1205% | 1,113 |
| Earnings coverage of net charge-offs (x) | 16.0361% | 1,541 |
| Efficiency ratio | 73.2785% | 1,908 |
| Assets per employee ($millions) | 7.0151% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 388 |
| Loan loss allowance to noncurrent loans | 1,576.5591% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,210 |
| Noncurrent loans to loans | 0.1384% | 3,970 |
| Net loans and leases to total assets | 49.3324% | 4,271 |
| Net loans and leases to deposits | 61.4582% | 4,132 |
| Net loans and leases to core deposits | 64.4377% | 4,149 |
| Total domestic deposits to total assets | 80.2698% | 3,808 |
| Equity capital to assets | 18.4405% | 323 |
| Core capital (leverage) ratio | 19.1774% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $653,375,000 | 1,185 |
| Average earning assets | $641,803,000 | 1,125 |
| Average equity | $122,443,000 | 778 |
| Average total loans | $344,723,000 | 1,469 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,985 |
| Cost of funding earning assets | 0.7762% | 2,791 |
| Net interest margin | 3.3509% | 3,873 |
| Noninterest income to average assets | 0.0565% | 5,022 |
| Noninterest expense to average assets | 2.3006% | 3,947 |
| Loan and lease loss provision to assets | -0.0157% | 4,949 |
| Net operating income to assets | 0.7100% | 3,841 |
| Return on assets (ROA) | 0.7254% | 3,851 |
| Pretax return on assets | 1.0829% | 3,226 |
| Return on Equity (ROE) | 4.1010% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.1010% | 2,922 |
| Net charge-offs to loans | 0.0227% | 2,954 |
| Credit loss provision to net charge-offs | -126.1905% | 4,244 |
| Earnings coverage of net charge-offs (x) | 84.0833% | 764 |
| Efficiency ratio | 68.7090% | 2,357 |
| Assets per employee ($millions) | 6.7401% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 444 |
| Loan loss allowance to noncurrent loans | 10,347.8261% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,612 |
| Noncurrent loans to loans | 0.0195% | 4,492 |
| Net loans and leases to total assets | 54.0682% | 4,071 |
| Net loans and leases to deposits | 67.9846% | 3,821 |
| Net loans and leases to core deposits | 70.6428% | 3,929 |
| Total domestic deposits to total assets | 79.5300% | 4,066 |
| Equity capital to assets | 19.0519% | 297 |
| Core capital (leverage) ratio | 18.7391% | 290 |
| Tier 1 risk-based capital ratio | 31.4583% | 432 |
| Total risk-based capital ratio | 32.7155% | 425 |
| Memoranda: | ||
| Average total assets | $674,126,000 | 1,115 |
| Average earning assets | $662,240,600 | 1,044 |
| Average equity | $119,238,400 | 766 |
| Average total loans | $369,803,000 | 1,357 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 4,054 |
| Cost of funding earning assets | 0.7597% | 2,919 |
| Net interest margin | 3.3828% | 3,905 |
| Noninterest income to average assets | 0.0559% | 5,104 |
| Noninterest expense to average assets | 2.3536% | 3,814 |
| Loan and lease loss provision to assets | -0.0131% | 5,063 |
| Net operating income to assets | 0.6913% | 4,042 |
| Return on assets (ROA) | 0.6913% | 4,098 |
| Pretax return on assets | 1.0388% | 3,476 |
| Return on Equity (ROE) | 3.9802% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.9802% | 3,406 |
| Net charge-offs to loans | 0.0446% | 2,198 |
| Credit loss provision to net charge-offs | -53.6000% | 4,028 |
| Earnings coverage of net charge-offs (x) | 42.0086% | 1,326 |
| Efficiency ratio | 69.6474% | 2,170 |
| Assets per employee ($millions) | 6.9127% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 548 |
| Loan loss allowance to noncurrent loans | 10,344.9275% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,706 |
| Noncurrent loans to loans | 0.0185% | 4,592 |
| Net loans and leases to total assets | 56.8885% | 3,977 |
| Net loans and leases to deposits | 71.3665% | 3,652 |
| Net loans and leases to core deposits | 75.0956% | 3,757 |
| Total domestic deposits to total assets | 79.7132% | 4,044 |
| Equity capital to assets | 18.8024% | 327 |
| Core capital (leverage) ratio | 18.3099% | 329 |
| Tier 1 risk-based capital ratio | 28.9594% | 516 |
| Total risk-based capital ratio | 30.2151% | 508 |
| Memoranda: | ||
| Average total assets | $682,579,000 | 1,091 |
| Average earning assets | $670,599,750 | 1,037 |
| Average equity | $118,550,000 | 765 |
| Average total loans | $373,917,250 | 1,354 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 4,001 |
| Cost of funding earning assets | 0.7330% | 2,981 |
| Net interest margin | 3.4338% | 3,790 |
| Noninterest income to average assets | 0.0555% | 5,151 |
| Noninterest expense to average assets | 2.3184% | 3,958 |
| Loan and lease loss provision to assets | -0.0428% | 5,167 |
| Net operating income to assets | 0.7629% | 3,779 |
| Return on assets (ROA) | 0.7629% | 3,844 |
| Pretax return on assets | 1.1540% | 3,069 |
| Return on Equity (ROE) | 4.5069% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.5069% | 3,017 |
| Net charge-offs to loans | 0.0524% | 1,897 |
| Credit loss provision to net charge-offs | -152.0408% | 3,953 |
| Earnings coverage of net charge-offs (x) | 39.4490% | 1,258 |
| Efficiency ratio | 67.5997% | 2,599 |
| Assets per employee ($millions) | 6.9521% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 540 |
| Loan loss allowance to noncurrent loans | 10,118.5714% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,751 |
| Noncurrent loans to loans | 0.0190% | 4,630 |
| Net loans and leases to total assets | 54.0895% | 4,200 |
| Net loans and leases to deposits | 66.7695% | 4,040 |
| Net loans and leases to core deposits | 69.7941% | 4,118 |
| Total domestic deposits to total assets | 81.0092% | 3,810 |
| Equity capital to assets | 17.9388% | 388 |
| Core capital (leverage) ratio | 17.3485% | 396 |
| Tier 1 risk-based capital ratio | 29.5105% | 495 |
| Total risk-based capital ratio | 30.7667% | 488 |
| Memoranda: | ||
| Average total assets | $695,811,330 | 1,080 |
| Average earning assets | $683,741,000 | 1,026 |
| Average equity | $117,774,330 | 763 |
| Average total loans | $374,268,330 | 1,353 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 4,314 |
| Cost of funding earning assets | 0.6879% | 3,113 |
| Net interest margin | 3.3381% | 4,064 |
| Noninterest income to average assets | 0.0535% | 5,204 |
| Noninterest expense to average assets | 2.2535% | 4,141 |
| Loan and lease loss provision to assets | 0.0513% | 2,630 |
| Net operating income to assets | 0.6710% | 4,022 |
| Return on assets (ROA) | 0.6710% | 4,061 |
| Pretax return on assets | 1.0265% | 3,361 |
| Return on Equity (ROE) | 4.0788% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.0788% | 3,286 |
| Net charge-offs to loans | 0.1060% | 1,097 |
| Credit loss provision to net charge-offs | 91.0000% | 1,710 |
| Earnings coverage of net charge-offs (x) | 19.1300% | 1,601 |
| Efficiency ratio | 67.6476% | 2,686 |
| Assets per employee ($millions) | 7.4468% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9455% | 559 |
| Loan loss allowance to noncurrent loans | 10,458.5714% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,826 |
| Noncurrent loans to loans | 0.0186% | 4,697 |
| Net loans and leases to total assets | 52.7126% | 4,291 |
| Net loans and leases to deposits | 64.0885% | 4,175 |
| Net loans and leases to core deposits | 66.9516% | 4,235 |
| Total domestic deposits to total assets | 82.2497% | 3,661 |
| Equity capital to assets | 16.8170% | 470 |
| Core capital (leverage) ratio | 16.8494% | 439 |
| Tier 1 risk-based capital ratio | 28.8136% | 519 |
| Total risk-based capital ratio | 30.0702% | 513 |
| Memoranda: | ||
| Average total assets | $710,018,000 | 1,067 |
| Average earning assets | $697,171,500 | 1,017 |
| Average equity | $116,800,000 | 764 |
| Average total loans | $377,365,000 | 1,347 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 4,042 |
| Cost of funding earning assets | 0.5450% | 3,081 |
| Net interest margin | 3.4509% | 3,856 |
| Noninterest income to average assets | 0.0535% | 5,264 |
| Noninterest expense to average assets | 2.2424% | 4,237 |
| Loan and lease loss provision to assets | 0.0728% | 2,678 |
| Net operating income to assets | 0.7006% | 4,135 |
| Return on assets (ROA) | 0.6960% | 4,152 |
| Pretax return on assets | 1.1096% | 3,230 |
| Return on Equity (ROE) | 4.2089% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.2089% | 3,238 |
| Net charge-offs to loans | 0.4235% | 435 |
| Credit loss provision to net charge-offs | 30.8741% | 3,347 |
| Earnings coverage of net charge-offs (x) | 5.0397% | 3,228 |
| Efficiency ratio | 65.3628% | 2,978 |
| Assets per employee ($millions) | 7.5793% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 539 |
| Loan loss allowance to noncurrent loans | 10,323.9437% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,856 |
| Noncurrent loans to loans | 0.0188% | 4,708 |
| Net loans and leases to total assets | 51.5378% | 4,431 |
| Net loans and leases to deposits | 62.0258% | 4,374 |
| Net loans and leases to core deposits | 64.9834% | 4,405 |
| Total domestic deposits to total assets | 83.0910% | 3,299 |
| Equity capital to assets | 16.0937% | 519 |
| Core capital (leverage) ratio | 16.4316% | 465 |
| Tier 1 risk-based capital ratio | 28.0536% | 560 |
| Total risk-based capital ratio | 29.3101% | 551 |
| Memoranda: | ||
| Average total assets | $684,094,000 | 1,074 |
| Average earning assets | $669,486,000 | 1,026 |
| Average equity | $113,117,600 | 754 |
| Average total loans | $380,885,800 | 1,304 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,949 |
| Cost of funding earning assets | 0.5103% | 3,125 |
| Net interest margin | 3.4836% | 3,749 |
| Noninterest income to average assets | 0.0555% | 5,331 |
| Noninterest expense to average assets | 2.2664% | 4,177 |
| Loan and lease loss provision to assets | 0.0642% | 2,688 |
| Net operating income to assets | 0.6935% | 4,243 |
| Return on assets (ROA) | 0.6873% | 4,277 |
| Pretax return on assets | 1.1237% | 3,301 |
| Return on Equity (ROE) | 4.1270% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.1270% | 3,710 |
| Net charge-offs to loans | 0.5190% | 295 |
| Credit loss provision to net charge-offs | 21.8855% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.0774% | 3,100 |
| Efficiency ratio | 65.4612% | 2,966 |
| Assets per employee ($millions) | 7.3368% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 544 |
| Loan loss allowance to noncurrent loans | 2,812.7413% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,793 |
| Noncurrent loans to loans | 0.0691% | 4,568 |
| Net loans and leases to total assets | 53.8591% | 4,368 |
| Net loans and leases to deposits | 65.2929% | 4,254 |
| Net loans and leases to core deposits | 68.9544% | 4,250 |
| Total domestic deposits to total assets | 82.4884% | 3,462 |
| Equity capital to assets | 16.7137% | 441 |
| Core capital (leverage) ratio | 16.8171% | 436 |
| Tier 1 risk-based capital ratio | 28.2057% | 555 |
| Total risk-based capital ratio | 29.4623% | 544 |
| Memoranda: | ||
| Average total assets | $675,108,000 | 1,086 |
| Average earning assets | $660,223,250 | 1,040 |
| Average equity | $112,426,750 | 756 |
| Average total loans | $381,501,750 | 1,305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,276 |
| Cost of funding earning assets | 0.4825% | 3,147 |
| Net interest margin | 3.3462% | 4,116 |
| Noninterest income to average assets | 0.0571% | 5,385 |
| Noninterest expense to average assets | 2.2780% | 4,196 |
| Loan and lease loss provision to assets | 0.0966% | 2,002 |
| Net operating income to assets | 0.5212% | 4,699 |
| Return on assets (ROA) | 0.5212% | 4,703 |
| Pretax return on assets | 0.9547% | 3,790 |
| Return on Equity (ROE) | 3.1335% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.1335% | 3,998 |
| Net charge-offs to loans | 0.7740% | 181 |
| Credit loss provision to net charge-offs | 21.8855% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.3811% | 2,977 |
| Efficiency ratio | 68.4229% | 2,574 |
| Assets per employee ($millions) | 7.0868% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 680 |
| Loan loss allowance to noncurrent loans | 3,060.9244% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,848 |
| Noncurrent loans to loans | 0.0607% | 4,648 |
| Net loans and leases to total assets | 56.5599% | 4,115 |
| Net loans and leases to deposits | 68.4303% | 3,993 |
| Net loans and leases to core deposits | 72.6449% | 3,973 |
| Total domestic deposits to total assets | 82.6533% | 3,508 |
| Equity capital to assets | 16.5327% | 445 |
| Core capital (leverage) ratio | 16.3759% | 454 |
| Tier 1 risk-based capital ratio | 26.3836% | 644 |
| Total risk-based capital ratio | 27.6394% | 633 |
| Memoranda: | ||
| Average total assets | $672,703,670 | 1,095 |
| Average earning assets | $657,829,330 | 1,048 |
| Average equity | $111,888,670 | 759 |
| Average total loans | $383,743,330 | 1,300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 4,330 |
| Cost of funding earning assets | 0.4674% | 3,064 |
| Net interest margin | 3.2919% | 4,212 |
| Noninterest income to average assets | 0.0640% | 5,442 |
| Noninterest expense to average assets | 2.2778% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4413% | 4,839 |
| Return on assets (ROA) | 0.4413% | 4,842 |
| Pretax return on assets | 1.0041% | 3,518 |
| Return on Equity (ROE) | 2.6453% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.6453% | 4,120 |
| Net charge-offs to loans | 1.1718% | 123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.5099% | 2,548 |
| Efficiency ratio | 69.4060% | 2,598 |
| Assets per employee ($millions) | 6.5948% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 619 |
| Loan loss allowance to noncurrent loans | 73,330.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,143 |
| Noncurrent loans to loans | 0.0026% | 5,012 |
| Net loans and leases to total assets | 55.1844% | 4,192 |
| Net loans and leases to deposits | 66.7856% | 4,036 |
| Net loans and leases to core deposits | 71.6161% | 3,997 |
| Total domestic deposits to total assets | 82.6291% | 3,778 |
| Equity capital to assets | 16.6149% | 426 |
| Core capital (leverage) ratio | 16.6209% | 419 |
| Tier 1 risk-based capital ratio | 27.0664% | 616 |
| Total risk-based capital ratio | 28.3248% | 605 |
| Memoranda: | ||
| Average total assets | $668,890,500 | 1,108 |
| Average earning assets | $653,845,000 | 1,060 |
| Average equity | $111,594,500 | 764 |
| Average total loans | $379,575,500 | 1,320 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 4,527 |
| Cost of funding earning assets | 0.4682% | 2,614 |
| Net interest margin | 3.1537% | 4,562 |
| Noninterest income to average assets | 0.0940% | 5,428 |
| Noninterest expense to average assets | 2.2106% | 4,505 |
| Loan and lease loss provision to assets | 0.0320% | 3,631 |
| Net operating income to assets | 0.0502% | 5,307 |
| Return on assets (ROA) | 0.5993% | 4,056 |
| Pretax return on assets | 1.7796% | 834 |
| Return on Equity (ROE) | 3.6764% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,038 |
| Net charge-offs to loans | 0.0428% | 2,936 |
| Credit loss provision to net charge-offs | 140.3846% | 1,885 |
| Earnings coverage of net charge-offs (x) | 41.8654% | 1,221 |
| Efficiency ratio | 69.8643% | 2,577 |
| Assets per employee ($millions) | 6.7869% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 358 |
| Loan loss allowance to noncurrent loans | 76,772.7273% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,192 |
| Noncurrent loans to loans | 0.0029% | 5,052 |
| Net loans and leases to total assets | 55.9552% | 4,194 |
| Net loans and leases to deposits | 67.7530% | 4,043 |
| Net loans and leases to core deposits | 72.9998% | 3,971 |
| Total domestic deposits to total assets | 82.5870% | 3,702 |
| Equity capital to assets | 16.7529% | 419 |
| Core capital (leverage) ratio | 16.2778% | 439 |
| Tier 1 risk-based capital ratio | 26.8108% | 605 |
| Total risk-based capital ratio | 28.0723% | 597 |
| Memoranda: | ||
| Average total assets | $684,914,000 | 1,064 |
| Average earning assets | $666,773,200 | 1,017 |
| Average equity | $111,658,000 | 737 |
| Average total loans | $364,890,800 | 1,325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,552 |
| Cost of funding earning assets | 0.4722% | 2,499 |
| Net interest margin | 3.1300% | 4,622 |
| Noninterest income to average assets | 0.0889% | 5,512 |
| Noninterest expense to average assets | 2.2301% | 4,466 |
| Loan and lease loss provision to assets | -0.0035% | 5,440 |
| Net operating income to assets | 0.2232% | 5,331 |
| Return on assets (ROA) | 0.9501% | 2,843 |
| Pretax return on assets | 2.0431% | 503 |
| Return on Equity (ROE) | 5.8671% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.8671% | 2,327 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1625% | 2,341 |
| Assets per employee ($millions) | 7.0758% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2685% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.0465% | 4,490 |
| Net loans and leases to deposits | 64.1828% | 4,365 |
| Net loans and leases to core deposits | 67.8419% | 4,370 |
| Total domestic deposits to total assets | 82.6492% | 3,571 |
| Equity capital to assets | 16.6065% | 474 |
| Core capital (leverage) ratio | 15.8997% | 506 |
| Tier 1 risk-based capital ratio | 27.5044% | 590 |
| Total risk-based capital ratio | 28.7672% | 583 |
| Memoranda: | ||
| Average total assets | $689,864,000 | 1,062 |
| Average earning assets | $671,132,500 | 1,019 |
| Average equity | $111,716,000 | 739 |
| Average total loans | $360,960,750 | 1,351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 4,659 |
| Cost of funding earning assets | 0.4768% | 2,359 |
| Net interest margin | 3.0619% | 4,765 |
| Noninterest income to average assets | 0.0626% | 5,618 |
| Noninterest expense to average assets | 2.2086% | 4,548 |
| Loan and lease loss provision to assets | -0.0052% | 5,529 |
| Net operating income to assets | 0.1905% | 5,409 |
| Return on assets (ROA) | 0.8255% | 3,323 |
| Pretax return on assets | 1.8278% | 786 |
| Return on Equity (ROE) | 5.1404% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.1404% | 2,617 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6746% | 2,236 |
| Assets per employee ($millions) | 7.2152% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 389 |
| Loan loss allowance to noncurrent loans | 10,587.3418% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,252 |
| Noncurrent loans to loans | 0.0214% | 5,080 |
| Net loans and leases to total assets | 51.4955% | 4,611 |
| Net loans and leases to deposits | 61.7798% | 4,517 |
| Net loans and leases to core deposits | 65.5123% | 4,505 |
| Total domestic deposits to total assets | 83.3532% | 3,449 |
| Equity capital to assets | 16.0095% | 529 |
| Core capital (leverage) ratio | 15.4022% | 560 |
| Tier 1 risk-based capital ratio | 26.1185% | 662 |
| Total risk-based capital ratio | 27.3806% | 646 |
| Memoranda: | ||
| Average total assets | $693,393,000 | 1,060 |
| Average earning assets | $674,030,330 | 1,006 |
| Average equity | $111,353,330 | 742 |
| Average total loans | $358,382,000 | 1,363 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 4,720 |
| Cost of funding earning assets | 0.4766% | 2,288 |
| Net interest margin | 3.0137% | 4,860 |
| Noninterest income to average assets | 0.0661% | 5,686 |
| Noninterest expense to average assets | 2.1897% | 4,675 |
| Loan and lease loss provision to assets | -0.0104% | 5,658 |
| Net operating income to assets | 0.4370% | 4,827 |
| Return on assets (ROA) | 0.4370% | 4,851 |
| Pretax return on assets | 0.8149% | 4,062 |
| Return on Equity (ROE) | 2.7170% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.7170% | 4,051 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1320% | 2,385 |
| Assets per employee ($millions) | 7.3144% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2791% | 425 |
| Loan loss allowance to noncurrent loans | 12,483.5821% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,322 |
| Noncurrent loans to loans | 0.0183% | 5,156 |
| Net loans and leases to total assets | 51.6105% | 4,548 |
| Net loans and leases to deposits | 61.9575% | 4,437 |
| Net loans and leases to core deposits | 65.6337% | 4,450 |
| Total domestic deposits to total assets | 83.2998% | 3,736 |
| Equity capital to assets | 16.0849% | 484 |
| Core capital (leverage) ratio | 15.3056% | 557 |
| Tier 1 risk-based capital ratio | 24.8274% | 789 |
| Total risk-based capital ratio | 26.0886% | 776 |
| Memoranda: | ||
| Average total assets | $690,151,000 | 1,068 |
| Average earning assets | $670,544,000 | 1,014 |
| Average equity | $111,006,500 | 742 |
| Average total loans | $353,188,500 | 1,389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,676 |
| Cost of funding earning assets | 0.5295% | 1,872 |
| Net interest margin | 3.0063% | 4,946 |
| Noninterest income to average assets | 0.0587% | 5,748 |
| Noninterest expense to average assets | 2.1515% | 4,889 |
| Loan and lease loss provision to assets | 0.0424% | 3,534 |
| Net operating income to assets | 0.3826% | 5,000 |
| Return on assets (ROA) | 0.6506% | 4,113 |
| Pretax return on assets | 1.1957% | 2,693 |
| Return on Equity (ROE) | 4.2736% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.2736% | 2,867 |
| Net charge-offs to loans | 0.0059% | 4,051 |
| Credit loss provision to net charge-offs | 1,515.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 257 |
| Efficiency ratio | 72.4213% | 2,522 |
| Assets per employee ($millions) | 7.2151% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4697% | 325 |
| Loan loss allowance to noncurrent loans | 27,038.7097% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,419 |
| Noncurrent loans to loans | 0.0091% | 5,261 |
| Net loans and leases to total assets | 48.2914% | 4,873 |
| Net loans and leases to deposits | 57.9922% | 4,789 |
| Net loans and leases to core deposits | 61.7201% | 4,765 |
| Total domestic deposits to total assets | 83.2724% | 3,669 |
| Equity capital to assets | 16.0838% | 490 |
| Core capital (leverage) ratio | 14.9185% | 614 |
| Tier 1 risk-based capital ratio | 26.2599% | 679 |
| Total risk-based capital ratio | 27.5257% | 655 |
| Memoranda: | ||
| Average total assets | $713,997,600 | 1,004 |
| Average earning assets | $691,644,600 | 963 |
| Average equity | $108,690,600 | 739 |
| Average total loans | $339,562,800 | 1,378 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,569 |
| Cost of funding earning assets | 0.5353% | 1,829 |
| Net interest margin | 3.0590% | 4,880 |
| Noninterest income to average assets | 0.0547% | 5,826 |
| Noninterest expense to average assets | 2.1872% | 4,803 |
| Loan and lease loss provision to assets | 0.0560% | 3,128 |
| Net operating income to assets | 0.3662% | 5,125 |
| Return on assets (ROA) | 0.7066% | 3,943 |
| Pretax return on assets | 1.3051% | 2,408 |
| Return on Equity (ROE) | 4.7052% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.7052% | 3,010 |
| Net charge-offs to loans | 0.0079% | 3,646 |
| Credit loss provision to net charge-offs | 1,515.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 224.2163% | 345 |
| Efficiency ratio | 72.5100% | 2,496 |
| Assets per employee ($millions) | 7.3209% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 341 |
| Loan loss allowance to noncurrent loans | 3,163.0189% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,275 |
| Noncurrent loans to loans | 0.0782% | 5,037 |
| Net loans and leases to total assets | 46.5656% | 5,057 |
| Net loans and leases to deposits | 58.6549% | 4,838 |
| Net loans and leases to core deposits | 62.4755% | 4,805 |
| Total domestic deposits to total assets | 79.3890% | 4,640 |
| Equity capital to assets | 15.6730% | 603 |
| Core capital (leverage) ratio | 14.6538% | 691 |
| Tier 1 risk-based capital ratio | 26.1621% | 699 |
| Total risk-based capital ratio | 27.4278% | 683 |
| Memoranda: | ||
| Average total assets | $721,138,500 | 998 |
| Average earning assets | $698,202,500 | 955 |
| Average equity | $108,302,250 | 742 |
| Average total loans | $339,606,500 | 1,376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 4,974 |
| Cost of funding earning assets | 0.5346% | 1,830 |
| Net interest margin | 2.9196% | 5,236 |
| Noninterest income to average assets | 0.0557% | 5,904 |
| Noninterest expense to average assets | 2.1722% | 4,908 |
| Loan and lease loss provision to assets | 0.1636% | 1,378 |
| Net operating income to assets | 0.2142% | 5,496 |
| Return on assets (ROA) | 0.7158% | 3,872 |
| Pretax return on assets | 1.3264% | 2,300 |
| Return on Equity (ROE) | 4.8349% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.8349% | 2,842 |
| Net charge-offs to loans | 0.0118% | 3,309 |
| Credit loss provision to net charge-offs | 2,965.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 466 |
| Efficiency ratio | 75.4601% | 2,153 |
| Assets per employee ($millions) | 7.2736% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 388 |
| Loan loss allowance to noncurrent loans | 3,223.7918% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,377 |
| Noncurrent loans to loans | 0.0758% | 5,148 |
| Net loans and leases to total assets | 47.6073% | 5,022 |
| Net loans and leases to deposits | 59.3117% | 4,834 |
| Net loans and leases to core deposits | 63.3044% | 4,795 |
| Total domestic deposits to total assets | 80.2663% | 4,482 |
| Equity capital to assets | 14.8971% | 755 |
| Core capital (leverage) ratio | 14.1664% | 783 |
| Tier 1 risk-based capital ratio | 24.8478% | 823 |
| Total risk-based capital ratio | 26.1137% | 807 |
| Memoranda: | ||
| Average total assets | $724,807,330 | 996 |
| Average earning assets | $700,771,330 | 951 |
| Average equity | $107,303,330 | 748 |
| Average total loans | $339,789,000 | 1,374 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 4,914 |
| Cost of funding earning assets | 0.5292% | 1,872 |
| Net interest margin | 2.9611% | 5,198 |
| Noninterest income to average assets | 0.0641% | 5,925 |
| Noninterest expense to average assets | 2.2069% | 4,888 |
| Loan and lease loss provision to assets | 0.0144% | 3,505 |
| Net operating income to assets | 0.3745% | 5,071 |
| Return on assets (ROA) | 0.3964% | 5,082 |
| Pretax return on assets | 0.7325% | 4,409 |
| Return on Equity (ROE) | 2.6860% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.6860% | 4,169 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5917% | 2,232 |
| Assets per employee ($millions) | 7.1403% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3996% | 443 |
| Loan loss allowance to noncurrent loans | 1,981.4634% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 5,331 |
| Noncurrent loans to loans | 0.1211% | 4,992 |
| Net loans and leases to total assets | 45.8194% | 5,131 |
| Net loans and leases to deposits | 57.0829% | 4,914 |
| Net loans and leases to core deposits | 61.0701% | 4,870 |
| Total domestic deposits to total assets | 80.2682% | 4,689 |
| Equity capital to assets | 14.8281% | 736 |
| Core capital (leverage) ratio | 14.0770% | 791 |
| Tier 1 risk-based capital ratio | 24.9431% | 822 |
| Total risk-based capital ratio | 26.2082% | 805 |
| Memoranda: | ||
| Average total assets | $723,533,500 | 997 |
| Average earning assets | $697,706,000 | 949 |
| Average equity | $106,777,500 | 752 |
| Average total loans | $332,210,500 | 1,393 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 5,419 |
| Cost of funding earning assets | 0.5335% | 1,893 |
| Net interest margin | 2.7243% | 5,623 |
| Noninterest income to average assets | 0.0488% | 6,011 |
| Noninterest expense to average assets | 2.1056% | 5,247 |
| Loan and lease loss provision to assets | 0.0724% | 2,822 |
| Net operating income to assets | 0.4677% | 4,820 |
| Return on assets (ROA) | 0.4704% | 4,891 |
| Pretax return on assets | 0.5080% | 5,093 |
| Return on Equity (ROE) | 3.3493% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.3493% | 3,666 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4734% | 1,895 |
| Assets per employee ($millions) | 6.9798% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4854% | 402 |
| Loan loss allowance to noncurrent loans | 1,970.5596% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,368 |
| Noncurrent loans to loans | 0.1261% | 4,991 |
| Net loans and leases to total assets | 43.7751% | 5,291 |
| Net loans and leases to deposits | 54.3605% | 5,144 |
| Net loans and leases to core deposits | 58.0768% | 5,096 |
| Total domestic deposits to total assets | 80.5274% | 4,602 |
| Equity capital to assets | 14.6880% | 735 |
| Core capital (leverage) ratio | 13.7882% | 881 |
| Tier 1 risk-based capital ratio | 24.7315% | 838 |
| Total risk-based capital ratio | 25.9992% | 823 |
| Memoranda: | ||
| Average total assets | $744,112,400 | 927 |
| Average earning assets | $719,568,000 | 883 |
| Average equity | $104,500,600 | 738 |
| Average total loans | $309,043,600 | 1,437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2192% | 5,562 |
| Cost of funding earning assets | 0.5315% | 1,957 |
| Net interest margin | 2.6877% | 5,739 |
| Noninterest income to average assets | 0.0508% | 6,094 |
| Noninterest expense to average assets | 2.1378% | 5,195 |
| Loan and lease loss provision to assets | 0.0853% | 2,460 |
| Net operating income to assets | 0.4429% | 4,996 |
| Return on assets (ROA) | 0.4467% | 5,073 |
| Pretax return on assets | 0.4360% | 5,387 |
| Return on Equity (ROE) | 3.2162% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.2162% | 4,174 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5097% | 1,580 |
| Assets per employee ($millions) | 7.1328% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5008% | 434 |
| Loan loss allowance to noncurrent loans | 1,806.5169% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 5,536 |
| Noncurrent loans to loans | 0.1384% | 5,079 |
| Net loans and leases to total assets | 41.8479% | 5,500 |
| Net loans and leases to deposits | 51.5386% | 5,388 |
| Net loans and leases to core deposits | 55.0619% | 5,350 |
| Total domestic deposits to total assets | 81.1972% | 4,422 |
| Equity capital to assets | 14.0914% | 992 |
| Core capital (leverage) ratio | 13.3923% | 1,060 |
| Tier 1 risk-based capital ratio | 25.7076% | 796 |
| Total risk-based capital ratio | 26.9770% | 780 |
| Memoranda: | ||
| Average total assets | $748,665,250 | 930 |
| Average earning assets | $725,509,250 | 881 |
| Average equity | $103,970,750 | 747 |
| Average total loans | $304,838,750 | 1,459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 5,582 |
| Cost of funding earning assets | 0.5277% | 2,006 |
| Net interest margin | 2.6955% | 5,766 |
| Noninterest income to average assets | 0.0540% | 6,161 |
| Noninterest expense to average assets | 2.1644% | 5,194 |
| Loan and lease loss provision to assets | 0.1253% | 1,765 |
| Net operating income to assets | 0.4734% | 4,876 |
| Return on assets (ROA) | 0.4790% | 4,957 |
| Pretax return on assets | 0.3834% | 5,507 |
| Return on Equity (ROE) | 3.4665% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.4665% | 3,834 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1398% | 1,600 |
| Assets per employee ($millions) | 6.9959% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7363% | 355 |
| Loan loss allowance to noncurrent loans | 1,812.4153% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,626 |
| Noncurrent loans to loans | 0.1510% | 5,144 |
| Net loans and leases to total assets | 38.1262% | 5,732 |
| Net loans and leases to deposits | 46.8915% | 5,635 |
| Net loans and leases to core deposits | 50.0886% | 5,611 |
| Total domestic deposits to total assets | 81.3073% | 4,514 |
| Equity capital to assets | 13.9300% | 1,002 |
| Core capital (leverage) ratio | 13.4557% | 1,000 |
| Tier 1 risk-based capital ratio | 28.5364% | 615 |
| Total risk-based capital ratio | 29.8103% | 604 |
| Memoranda: | ||
| Average total assets | $748,571,670 | 929 |
| Average earning assets | $725,801,000 | 887 |
| Average equity | $103,448,670 | 755 |
| Average total loans | $299,299,330 | 1,482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 5,508 |
| Cost of funding earning assets | 0.5213% | 2,100 |
| Net interest margin | 2.7525% | 5,738 |
| Noninterest income to average assets | 0.0524% | 6,223 |
| Noninterest expense to average assets | 2.2266% | 5,081 |
| Loan and lease loss provision to assets | -0.0139% | 6,109 |
| Net operating income to assets | 0.3477% | 5,253 |
| Return on assets (ROA) | 0.3553% | 5,353 |
| Pretax return on assets | 0.5199% | 5,123 |
| Return on Equity (ROE) | 2.5816% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.5816% | 4,393 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,644 |
| Assets per employee ($millions) | 6.9315% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5035% | 527 |
| Loan loss allowance to noncurrent loans | 1,696.6216% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 5,695 |
| Noncurrent loans to loans | 0.1476% | 5,248 |
| Net loans and leases to total assets | 39.5546% | 5,620 |
| Net loans and leases to deposits | 48.7427% | 5,531 |
| Net loans and leases to core deposits | 51.9011% | 5,496 |
| Total domestic deposits to total assets | 81.1497% | 4,785 |
| Equity capital to assets | 14.1032% | 950 |
| Core capital (leverage) ratio | 13.3527% | 1,031 |
| Tier 1 risk-based capital ratio | 28.1319% | 645 |
| Total risk-based capital ratio | 29.4031% | 632 |
| Memoranda: | ||
| Average total assets | $748,578,000 | 931 |
| Average earning assets | $725,876,000 | 891 |
| Average equity | $103,036,000 | 754 |
| Average total loans | $302,236,000 | 1,467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 5,668 |
| Cost of funding earning assets | 0.5088% | 2,579 |
| Net interest margin | 2.8169% | 5,777 |
| Noninterest income to average assets | 0.1688% | 5,844 |
| Noninterest expense to average assets | 2.1328% | 5,504 |
| Loan and lease loss provision to assets | -0.0297% | 5,965 |
| Net operating income to assets | 0.4500% | 5,020 |
| Return on assets (ROA) | 0.4922% | 4,931 |
| Pretax return on assets | 0.8437% | 4,096 |
| Return on Equity (ROE) | 3.1790% | 5,415 |
| Retained earnings to average equity (ytd only) | -18.0709% | 6,406 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0350% | 2,829 |
| Assets per employee ($millions) | 7.1941% | 760 |
| Cash dividends to net income (ytd only)* | 668.4492% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 556 |
| Loan loss allowance to noncurrent loans | 129.8300% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 3,287 |
| Noncurrent loans to loans | 1.9181% | 1,468 |
| Net loans and leases to total assets | 39.1872% | 5,791 |
| Net loans and leases to deposits | 47.9614% | 5,687 |
| Net loans and leases to core deposits | 50.9544% | 5,670 |
| Total domestic deposits to total assets | 81.7057% | 4,524 |
| Equity capital to assets | 13.5911% | 1,118 |
| Core capital (leverage) ratio | 12.6739% | 1,268 |
| Tier 1 risk-based capital ratio | 27.7769% | 624 |
| Total risk-based capital ratio | 29.0384% | 616 |
| Memoranda: | ||
| Average total assets | $759,901,600 | 892 |
| Average earning assets | $731,584,200 | 841 |
| Average equity | $117,647,800 | 615 |
| Average total loans | $305,619,200 | 1,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 5,603 |
| Cost of funding earning assets | 0.5008% | 2,752 |
| Net interest margin | 2.8938% | 5,713 |
| Noninterest income to average assets | 0.0780% | 6,310 |
| Noninterest expense to average assets | 2.1528% | 5,460 |
| Loan and lease loss provision to assets | -0.1100% | 6,290 |
| Net operating income to assets | 0.4280% | 5,148 |
| Return on assets (ROA) | 0.4828% | 5,012 |
| Pretax return on assets | 0.9026% | 3,970 |
| Return on Equity (ROE) | 3.0270% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.0270% | 4,464 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2803% | 2,623 |
| Assets per employee ($millions) | 7.1064% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4102% | 725 |
| Loan loss allowance to noncurrent loans | 1,758.7224% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,937 |
| Noncurrent loans to loans | 0.1370% | 5,517 |
| Net loans and leases to total assets | 38.1170% | 5,936 |
| Net loans and leases to deposits | 48.3787% | 5,747 |
| Net loans and leases to core deposits | 51.4827% | 5,716 |
| Total domestic deposits to total assets | 78.7888% | 5,375 |
| Equity capital to assets | 16.4244% | 501 |
| Core capital (leverage) ratio | 15.9769% | 482 |
| Tier 1 risk-based capital ratio | 35.6056% | 339 |
| Total risk-based capital ratio | 36.8662% | 333 |
| Memoranda: | ||
| Average total assets | $761,031,000 | 895 |
| Average earning assets | $731,562,000 | 844 |
| Average equity | $121,393,500 | 599 |
| Average total loans | $306,130,500 | 1,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 5,439 |
| Cost of funding earning assets | 0.4881% | 2,946 |
| Net interest margin | 2.9975% | 5,537 |
| Noninterest income to average assets | 0.0825% | 6,344 |
| Noninterest expense to average assets | 2.1670% | 5,488 |
| Loan and lease loss provision to assets | -0.1794% | 6,452 |
| Net operating income to assets | 0.6164% | 4,268 |
| Return on assets (ROA) | 0.6876% | 4,001 |
| Pretax return on assets | 1.0827% | 3,171 |
| Return on Equity (ROE) | 4.3534% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.3534% | 3,404 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2309% | 3,115 |
| Assets per employee ($millions) | 7.1812% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4054% | 807 |
| Loan loss allowance to noncurrent loans | 1,745.2088% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,025 |
| Noncurrent loans to loans | 0.1378% | 5,592 |
| Net loans and leases to total assets | 38.2199% | 5,943 |
| Net loans and leases to deposits | 48.5797% | 5,735 |
| Net loans and leases to core deposits | 51.5951% | 5,688 |
| Total domestic deposits to total assets | 78.6746% | 5,519 |
| Equity capital to assets | 16.6084% | 466 |
| Core capital (leverage) ratio | 16.2232% | 443 |
| Tier 1 risk-based capital ratio | 35.4105% | 333 |
| Total risk-based capital ratio | 36.6708% | 330 |
| Memoranda: | ||
| Average total assets | $761,248,000 | 893 |
| Average earning assets | $730,552,330 | 845 |
| Average equity | $120,228,670 | 600 |
| Average total loans | $309,176,670 | 1,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,544 |
| Cost of funding earning assets | 0.4826% | 3,088 |
| Net interest margin | 2.9635% | 5,617 |
| Noninterest income to average assets | 0.0659% | 6,440 |
| Noninterest expense to average assets | 2.1970% | 5,471 |
| Loan and lease loss provision to assets | -0.0314% | 6,435 |
| Net operating income to assets | 0.4683% | 4,852 |
| Return on assets (ROA) | 0.4743% | 4,892 |
| Pretax return on assets | 0.7484% | 4,317 |
| Return on Equity (ROE) | 3.0817% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.0817% | 4,269 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6392% | 2,854 |
| Assets per employee ($millions) | 6.6348% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4506% | 861 |
| Loan loss allowance to noncurrent loans | 132.2266% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 3,823 |
| Noncurrent loans to loans | 1.8533% | 2,058 |
| Net loans and leases to total assets | 40.3070% | 5,788 |
| Net loans and leases to deposits | 50.6458% | 5,548 |
| Net loans and leases to core deposits | 53.7704% | 5,517 |
| Total domestic deposits to total assets | 79.5860% | 5,572 |
| Equity capital to assets | 15.7628% | 560 |
| Core capital (leverage) ratio | 15.4117% | 549 |
| Tier 1 risk-based capital ratio | 32.1116% | 443 |
| Total risk-based capital ratio | 33.3723% | 437 |
| Memoranda: | ||
| Average total assets | $764,861,500 | 888 |
| Average earning assets | $732,648,500 | 846 |
| Average equity | $117,727,500 | 613 |
| Average total loans | $316,120,500 | 1,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4529% | 5,727 |
| Cost of funding earning assets | 0.6410% | 2,290 |
| Net interest margin | 2.8120% | 5,956 |
| Noninterest income to average assets | 0.1282% | 6,289 |
| Noninterest expense to average assets | 2.0624% | 5,906 |
| Loan and lease loss provision to assets | -0.4062% | 6,717 |
| Net operating income to assets | 0.7411% | 3,601 |
| Return on assets (ROA) | -0.2240% | 6,388 |
| Pretax return on assets | -0.3528% | 6,439 |
| Return on Equity (ROE) | -1.4559% | 6,351 |
| Retained earnings to average equity (ytd only) | -2.4081% | 6,213 |
| Net charge-offs to loans | 0.0086% | 5,282 |
| Credit loss provision to net charge-offs | -12,292.3077% | 6,416 |
| Earnings coverage of net charge-offs (x) | 226.7308% | 200 |
| Efficiency ratio | 73.3547% | 3,239 |
| Assets per employee ($millions) | 6.7256% | 887 |
| Cash dividends to net income (ytd only)* | -65.3999% | 6,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4564% | 867 |
| Loan loss allowance to noncurrent loans | 857.4890% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 5,976 |
| Noncurrent loans to loans | 0.2865% | 5,331 |
| Net loans and leases to total assets | 40.3258% | 5,937 |
| Net loans and leases to deposits | 50.1222% | 5,761 |
| Net loans and leases to core deposits | 53.2901% | 5,717 |
| Total domestic deposits to total assets | 80.4548% | 5,330 |
| Equity capital to assets | 15.0230% | 665 |
| Core capital (leverage) ratio | 14.9788% | 605 |
| Tier 1 risk-based capital ratio | 30.7067% | 477 |
| Total risk-based capital ratio | 31.9665% | 472 |
| Memoranda: | ||
| Average total assets | $786,888,200 | 850 |
| Average earning assets | $750,901,600 | 807 |
| Average equity | $121,090,600 | 587 |
| Average total loans | $304,052,800 | 1,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 5,810 |
| Cost of funding earning assets | 0.6720% | 2,162 |
| Net interest margin | 2.7631% | 6,072 |
| Noninterest income to average assets | 0.1448% | 6,309 |
| Noninterest expense to average assets | 2.0821% | 5,866 |
| Loan and lease loss provision to assets | -0.1456% | 6,670 |
| Net operating income to assets | 0.5357% | 4,636 |
| Return on assets (ROA) | 0.5721% | 4,608 |
| Pretax return on assets | 0.9012% | 3,877 |
| Return on Equity (ROE) | 3.6964% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.6964% | 4,072 |
| Net charge-offs to loans | 0.0093% | 4,962 |
| Credit loss provision to net charge-offs | -4,119.0476% | 6,338 |
| Earnings coverage of net charge-offs (x) | 197.6143% | 293 |
| Efficiency ratio | 74.8744% | 2,930 |
| Assets per employee ($millions) | 6.8099% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3230% | 405 |
| Loan loss allowance to noncurrent loans | 1,124.6667% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,083 |
| Noncurrent loans to loans | 0.2955% | 5,492 |
| Net loans and leases to total assets | 38.2685% | 6,159 |
| Net loans and leases to deposits | 47.8004% | 5,976 |
| Net loans and leases to core deposits | 50.7223% | 5,971 |
| Total domestic deposits to total assets | 80.0589% | 5,497 |
| Equity capital to assets | 15.2929% | 662 |
| Core capital (leverage) ratio | 16.5444% | 425 |
| Tier 1 risk-based capital ratio | 33.8296% | 376 |
| Total risk-based capital ratio | 35.0974% | 368 |
| Memoranda: | ||
| Average total assets | $791,931,250 | 847 |
| Average earning assets | $755,501,500 | 803 |
| Average equity | $122,567,250 | 582 |
| Average total loans | $300,823,500 | 1,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 5,924 |
| Cost of funding earning assets | 0.7022% | 2,048 |
| Net interest margin | 2.6910% | 6,193 |
| Noninterest income to average assets | 0.1589% | 6,256 |
| Noninterest expense to average assets | 2.0483% | 5,962 |
| Loan and lease loss provision to assets | -0.1504% | 6,750 |
| Net operating income to assets | 0.5131% | 4,749 |
| Return on assets (ROA) | 0.5632% | 4,656 |
| Pretax return on assets | 0.9099% | 3,869 |
| Return on Equity (ROE) | 3.6249% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.6249% | 4,006 |
| Net charge-offs to loans | 0.0140% | 4,568 |
| Credit loss provision to net charge-offs | -2,861.9048% | 6,175 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 376 |
| Efficiency ratio | 75.0412% | 2,941 |
| Assets per employee ($millions) | 6.8717% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3958% | 401 |
| Loan loss allowance to noncurrent loans | 1,177.6644% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 6,151 |
| Noncurrent loans to loans | 0.2884% | 5,580 |
| Net loans and leases to total assets | 37.7203% | 6,194 |
| Net loans and leases to deposits | 48.3374% | 5,962 |
| Net loans and leases to core deposits | 51.4389% | 5,927 |
| Total domestic deposits to total assets | 78.0354% | 5,969 |
| Equity capital to assets | 15.4376% | 629 |
| Core capital (leverage) ratio | 15.8619% | 481 |
| Tier 1 risk-based capital ratio | 33.7356% | 380 |
| Total risk-based capital ratio | 35.0041% | 372 |
| Memoranda: | ||
| Average total assets | $799,400,670 | 838 |
| Average earning assets | $763,643,000 | 791 |
| Average equity | $124,195,670 | 579 |
| Average total loans | $299,562,330 | 1,411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 5,987 |
| Cost of funding earning assets | 0.6978% | 2,234 |
| Net interest margin | 2.6809% | 6,246 |
| Noninterest income to average assets | 0.2314% | 5,800 |
| Noninterest expense to average assets | 2.1164% | 5,878 |
| Loan and lease loss provision to assets | -0.1501% | 6,871 |
| Net operating income to assets | 0.4947% | 4,691 |
| Return on assets (ROA) | 0.5014% | 4,801 |
| Pretax return on assets | 0.8372% | 4,013 |
| Return on Equity (ROE) | 3.2171% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.2171% | 4,319 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7716% | 2,961 |
| Assets per employee ($millions) | 7.0221% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5966% | 388 |
| Loan loss allowance to noncurrent loans | 920.4643% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 6,132 |
| Noncurrent loans to loans | 0.3907% | 5,437 |
| Net loans and leases to total assets | 36.1615% | 6,281 |
| Net loans and leases to deposits | 46.7090% | 6,013 |
| Net loans and leases to core deposits | 49.7521% | 5,986 |
| Total domestic deposits to total assets | 77.4187% | 6,202 |
| Equity capital to assets | 16.0525% | 557 |
| Core capital (leverage) ratio | 15.7955% | 481 |
| Tier 1 risk-based capital ratio | 34.3352% | 369 |
| Total risk-based capital ratio | 35.6062% | 361 |
| Memoranda: | ||
| Average total assets | $807,416,500 | 829 |
| Average earning assets | $771,541,000 | 794 |
| Average equity | $125,827,000 | 582 |
| Average total loans | $296,405,500 | 1,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 6,308 |
| Cost of funding earning assets | 0.7986% | 2,679 |
| Net interest margin | 2.7413% | 6,461 |
| Noninterest income to average assets | 0.1458% | 6,306 |
| Noninterest expense to average assets | 1.8374% | 6,573 |
| Loan and lease loss provision to assets | -0.7829% | 7,064 |
| Net operating income to assets | 1.5058% | 905 |
| Return on assets (ROA) | 1.5231% | 969 |
| Pretax return on assets | 1.6994% | 1,141 |
| Return on Equity (ROE) | 9.8019% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.8019% | 628 |
| Net charge-offs to loans | 0.0061% | 5,879 |
| Credit loss provision to net charge-offs | -35,226.3158% | 6,720 |
| Earnings coverage of net charge-offs (x) | 403.6842% | 98 |
| Efficiency ratio | 67.1900% | 4,295 |
| Assets per employee ($millions) | 6.9605% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7294% | 346 |
| Loan loss allowance to noncurrent loans | 1,278.5134% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 6,238 |
| Noncurrent loans to loans | 0.2917% | 5,751 |
| Net loans and leases to total assets | 34.5970% | 6,512 |
| Net loans and leases to deposits | 43.9942% | 6,368 |
| Net loans and leases to core deposits | 46.6355% | 6,343 |
| Total domestic deposits to total assets | 78.6399% | 5,965 |
| Equity capital to assets | 15.1312% | 706 |
| Core capital (leverage) ratio | 14.4748% | 680 |
| Tier 1 risk-based capital ratio | 32.7059% | 410 |
| Total risk-based capital ratio | 33.9778% | 401 |
| Memoranda: | ||
| Average total assets | $854,852,800 | 765 |
| Average earning assets | $807,313,400 | 738 |
| Average equity | $132,831,200 | 541 |
| Average total loans | $312,648,000 | 1,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 6,458 |
| Cost of funding earning assets | 0.8191% | 2,785 |
| Net interest margin | 2.7255% | 6,610 |
| Noninterest income to average assets | 0.1793% | 6,231 |
| Noninterest expense to average assets | 1.7949% | 6,685 |
| Loan and lease loss provision to assets | -0.6476% | 7,155 |
| Net operating income to assets | 1.2861% | 1,480 |
| Return on assets (ROA) | 1.3071% | 1,567 |
| Pretax return on assets | 1.6279% | 1,483 |
| Return on Equity (ROE) | 8.3602% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.3602% | 1,458 |
| Net charge-offs to loans | 0.0008% | 5,767 |
| Credit loss provision to net charge-offs | -209,650.0000% | 6,727 |
| Earnings coverage of net charge-offs (x) | 3,084.5655% | 6 |
| Efficiency ratio | 65.2939% | 4,573 |
| Assets per employee ($millions) | 7.2301% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3784% | 236 |
| Loan loss allowance to noncurrent loans | 2,646.7710% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 6,597 |
| Noncurrent loans to loans | 0.1654% | 6,198 |
| Net loans and leases to total assets | 35.2184% | 6,600 |
| Net loans and leases to deposits | 45.3157% | 6,435 |
| Net loans and leases to core deposits | 47.9687% | 6,414 |
| Total domestic deposits to total assets | 77.7180% | 6,130 |
| Equity capital to assets | 15.3566% | 736 |
| Core capital (leverage) ratio | 14.7379% | 659 |
| Tier 1 risk-based capital ratio | 33.7526% | 392 |
| Total risk-based capital ratio | 35.0316% | 386 |
| Memoranda: | ||
| Average total assets | $863,232,250 | 766 |
| Average earning assets | $813,871,000 | 735 |
| Average equity | $134,969,500 | 539 |
| Average total loans | $317,018,750 | 1,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 6,549 |
| Cost of funding earning assets | 0.8234% | 3,002 |
| Net interest margin | 2.7255% | 6,677 |
| Noninterest income to average assets | 0.1230% | 6,567 |
| Noninterest expense to average assets | 1.8070% | 6,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2740% | 1,505 |
| Return on assets (ROA) | 1.2988% | 1,599 |
| Pretax return on assets | 0.9093% | 4,038 |
| Return on Equity (ROE) | 8.2596% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,548 |
| Net charge-offs to loans | 0.0013% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,927.0000% | 9 |
| Efficiency ratio | 67.1357% | 4,300 |
| Assets per employee ($millions) | 7.5816% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5317% | 105 |
| Loan loss allowance to noncurrent loans | 3,407.3077% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 6,664 |
| Noncurrent loans to loans | 0.1623% | 6,258 |
| Net loans and leases to total assets | 34.4050% | 6,706 |
| Net loans and leases to deposits | 44.4173% | 6,528 |
| Net loans and leases to core deposits | 47.0124% | 6,514 |
| Total domestic deposits to total assets | 77.4586% | 6,254 |
| Equity capital to assets | 15.7885% | 624 |
| Core capital (leverage) ratio | 16.0087% | 460 |
| Tier 1 risk-based capital ratio | 36.0379% | 319 |
| Total risk-based capital ratio | 37.3291% | 315 |
| Memoranda: | ||
| Average total assets | $871,411,670 | 761 |
| Average earning assets | $821,218,330 | 734 |
| Average equity | $137,027,670 | 525 |
| Average total loans | $319,725,000 | 1,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 6,599 |
| Cost of funding earning assets | 0.8402% | 3,148 |
| Net interest margin | 2.7407% | 6,728 |
| Noninterest income to average assets | 0.1397% | 6,546 |
| Noninterest expense to average assets | 1.8515% | 6,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0012% | 2,478 |
| Return on assets (ROA) | 1.1026% | 2,256 |
| Pretax return on assets | 0.9786% | 3,755 |
| Return on Equity (ROE) | 7.0264% | 3,772 |
| Retained earnings to average equity (ytd only) | 7.0264% | 2,429 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8553% | 4,200 |
| Assets per employee ($millions) | 7.7943% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5056% | 116 |
| Loan loss allowance to noncurrent loans | 2,826.1563% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,707 |
| Noncurrent loans to loans | 0.1948% | 6,293 |
| Net loans and leases to total assets | 34.5310% | 6,711 |
| Net loans and leases to deposits | 44.7196% | 6,516 |
| Net loans and leases to core deposits | 47.1767% | 6,499 |
| Total domestic deposits to total assets | 77.2169% | 6,364 |
| Equity capital to assets | 15.9017% | 592 |
| Core capital (leverage) ratio | 16.4444% | 419 |
| Tier 1 risk-based capital ratio | 35.7354% | 323 |
| Total risk-based capital ratio | 37.0096% | 312 |
| Memoranda: | ||
| Average total assets | $867,385,000 | 766 |
| Average earning assets | $819,360,500 | 737 |
| Average equity | $136,114,500 | 524 |
| Average total loans | $319,438,500 | 1,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 5,789 |
| Cost of funding earning assets | 1.0244% | 3,206 |
| Net interest margin | 3.2663% | 5,915 |
| Noninterest income to average assets | 5.1762% | 117 |
| Noninterest expense to average assets | 1.9434% | 6,773 |
| Loan and lease loss provision to assets | 0.1890% | 4,294 |
| Net operating income to assets | 5.9581% | 35 |
| Return on assets (ROA) | 6.0995% | 35 |
| Pretax return on assets | 6.2714% | 49 |
| Return on Equity (ROE) | 45.8582% | 11 |
| Retained earnings to average equity (ytd only) | 45.8582% | 4 |
| Net charge-offs to loans | -0.0044% | 6,831 |
| Credit loss provision to net charge-offs | -10,666.6667% | 6,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5333% | 7,319 |
| Assets per employee ($millions) | 7.3621% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5895% | 120 |
| Loan loss allowance to noncurrent loans | 2,738.7944% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,760 |
| Noncurrent loans to loans | 0.2041% | 6,339 |
| Net loans and leases to total assets | 35.0466% | 6,814 |
| Net loans and leases to deposits | 45.3746% | 6,656 |
| Net loans and leases to core deposits | 47.9432% | 6,645 |
| Total domestic deposits to total assets | 77.2384% | 6,310 |
| Equity capital to assets | 15.4768% | 683 |
| Core capital (leverage) ratio | 15.9266% | 469 |
| Tier 1 risk-based capital ratio | 34.8558% | 334 |
| Total risk-based capital ratio | 36.1459% | 328 |
| Memoranda: | ||
| Average total assets | $846,464,400 | 772 |
| Average earning assets | $798,630,000 | 738 |
| Average equity | $112,586,200 | 614 |
| Average total loans | $342,135,400 | 1,240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 5,621 |
| Cost of funding earning assets | 1.0594% | 3,252 |
| Net interest margin | 3.3356% | 5,753 |
| Noninterest income to average assets | 6.8847% | 90 |
| Noninterest expense to average assets | 1.9661% | 6,761 |
| Loan and lease loss provision to assets | 0.2526% | 3,482 |
| Net operating income to assets | 7.5184% | 28 |
| Return on assets (ROA) | 7.6644% | 30 |
| Pretax return on assets | 7.9699% | 39 |
| Return on Equity (ROE) | 60.1096% | 9 |
| Retained earnings to average equity (ytd only) | 60.1096% | 4 |
| Net charge-offs to loans | -0.0096% | 6,777 |
| Credit loss provision to net charge-offs | -6,400.0000% | 6,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5892% | 7,405 |
| Assets per employee ($millions) | 7.4038% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3560% | 145 |
| Loan loss allowance to noncurrent loans | 280.8490% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 5,289 |
| Noncurrent loans to loans | 1.9071% | 3,490 |
| Net loans and leases to total assets | 37.1193% | 6,817 |
| Net loans and leases to deposits | 48.0931% | 6,620 |
| Net loans and leases to core deposits | 50.7027% | 6,636 |
| Total domestic deposits to total assets | 77.1822% | 6,348 |
| Equity capital to assets | 15.3370% | 761 |
| Core capital (leverage) ratio | 15.4137% | 591 |
| Tier 1 risk-based capital ratio | 33.1216% | 415 |
| Total risk-based capital ratio | 34.4097% | 407 |
| Memoranda: | ||
| Average total assets | $844,578,250 | 781 |
| Average earning assets | $798,045,500 | 746 |
| Average equity | $107,689,500 | 648 |
| Average total loans | $348,414,000 | 1,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 5,455 |
| Cost of funding earning assets | 1.0728% | 3,446 |
| Net interest margin | 3.3965% | 5,569 |
| Noninterest income to average assets | 10.2754% | 64 |
| Noninterest expense to average assets | 1.9615% | 6,860 |
| Loan and lease loss provision to assets | 0.3788% | 2,518 |
| Net operating income to assets | 10.7600% | 19 |
| Return on assets (ROA) | 10.7285% | 21 |
| Pretax return on assets | 11.1123% | 28 |
| Return on Equity (ROE) | 90.2366% | 6 |
| Retained earnings to average equity (ytd only) | 90.2366% | 4 |
| Net charge-offs to loans | -0.0141% | 6,756 |
| Credit loss provision to net charge-offs | -6,400.0000% | 6,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.5458% | 7,489 |
| Assets per employee ($millions) | 7.7389% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1136% | 176 |
| Loan loss allowance to noncurrent loans | 519.3322% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 6,165 |
| Noncurrent loans to loans | 0.9846% | 5,017 |
| Net loans and leases to total assets | 37.2910% | 6,897 |
| Net loans and leases to deposits | 48.6854% | 6,690 |
| Net loans and leases to core deposits | 51.2426% | 6,706 |
| Total domestic deposits to total assets | 76.5958% | 6,509 |
| Equity capital to assets | 15.0084% | 823 |
| Core capital (leverage) ratio | 15.4766% | 588 |
| Tier 1 risk-based capital ratio | 31.4579% | 476 |
| Total risk-based capital ratio | 32.7444% | 467 |
| Memoranda: | ||
| Average total assets | $844,759,330 | 788 |
| Average earning assets | $798,303,670 | 759 |
| Average equity | $100,436,000 | 687 |
| Average total loans | $354,208,670 | 1,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 5,171 |
| Cost of funding earning assets | 1.1104% | 3,454 |
| Net interest margin | 3.4395% | 5,262 |
| Noninterest income to average assets | 0.1080% | 6,867 |
| Noninterest expense to average assets | 2.0329% | 6,768 |
| Loan and lease loss provision to assets | 0.5811% | 1,488 |
| Net operating income to assets | 0.9908% | 2,211 |
| Return on assets (ROA) | 1.0174% | 2,171 |
| Pretax return on assets | 0.7622% | 4,045 |
| Return on Equity (ROE) | 9.9515% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.9515% | 1,127 |
| Net charge-offs to loans | -0.0212% | 6,585 |
| Credit loss provision to net charge-offs | -6,315.7895% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6911% | 5,876 |
| Assets per employee ($millions) | 7.1844% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9557% | 200 |
| Loan loss allowance to noncurrent loans | 505.2493% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 5,370 |
| Noncurrent loans to loans | 0.9808% | 5,083 |
| Net loans and leases to total assets | 39.8702% | 6,784 |
| Net loans and leases to deposits | 48.7813% | 6,707 |
| Net loans and leases to core deposits | 51.3344% | 6,712 |
| Total domestic deposits to total assets | 81.7327% | 5,413 |
| Equity capital to assets | 10.4300% | 3,255 |
| Core capital (leverage) ratio | 10.5518% | 2,561 |
| Tier 1 risk-based capital ratio | 19.5429% | 1,684 |
| Total risk-based capital ratio | 20.8262% | 1,647 |
| Memoranda: | ||
| Average total assets | $826,023,000 | 814 |
| Average earning assets | $778,482,000 | 780 |
| Average equity | $84,449,500 | 787 |
| Average total loans | $357,951,500 | 1,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 4,699 |
| Cost of funding earning assets | 1.3159% | 3,783 |
| Net interest margin | 3.6526% | 4,562 |
| Noninterest income to average assets | 0.1327% | 6,727 |
| Noninterest expense to average assets | 4.1692% | 936 |
| Loan and lease loss provision to assets | 0.6688% | 2,469 |
| Net operating income to assets | -1.3151% | 6,838 |
| Return on assets (ROA) | -1.3941% | 6,891 |
| Pretax return on assets | -1.4218% | 6,826 |
| Return on Equity (ROE) | -13.1109% | 6,845 |
| Retained earnings to average equity (ytd only) | -13.1109% | 6,799 |
| Net charge-offs to loans | 0.2707% | 4,671 |
| Credit loss provision to net charge-offs | 541.9416% | 415 |
| Earnings coverage of net charge-offs (x) | -5.4477% | 6,779 |
| Efficiency ratio | 57.5259% | 6,390 |
| Assets per employee ($millions) | 6.8795% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3966% | 288 |
| Loan loss allowance to noncurrent loans | 800.4473% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 6,326 |
| Noncurrent loans to loans | 0.5493% | 5,950 |
| Net loans and leases to total assets | 42.7772% | 6,807 |
| Net loans and leases to deposits | 52.2348% | 6,730 |
| Net loans and leases to core deposits | 55.3403% | 6,731 |
| Total domestic deposits to total assets | 81.8941% | 5,223 |
| Equity capital to assets | 10.0136% | 3,728 |
| Core capital (leverage) ratio | 10.0869% | 2,983 |
| Tier 1 risk-based capital ratio | 18.3374% | 1,899 |
| Total risk-based capital ratio | 19.6154% | 1,850 |
| Memoranda: | ||
| Average total assets | $859,712,600 | 785 |
| Average earning assets | $791,823,400 | 772 |
| Average equity | $91,412,400 | 731 |
| Average total loans | $391,932,200 | 1,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 4,718 |
| Cost of funding earning assets | 1.3696% | 3,783 |
| Net interest margin | 3.6493% | 4,642 |
| Noninterest income to average assets | 0.1418% | 6,846 |
| Noninterest expense to average assets | 1.9655% | 7,113 |
| Loan and lease loss provision to assets | 0.6513% | 2,345 |
| Net operating income to assets | 0.8688% | 2,747 |
| Return on assets (ROA) | 0.7546% | 3,353 |
| Pretax return on assets | 0.7546% | 4,066 |
| Return on Equity (ROE) | 7.0013% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,846 |
| Net charge-offs to loans | 0.3548% | 3,885 |
| Credit loss provision to net charge-offs | 400.9434% | 753 |
| Earnings coverage of net charge-offs (x) | 9.3575% | 2,031 |
| Efficiency ratio | 56.3885% | 6,502 |
| Assets per employee ($millions) | 7.0720% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8851% | 403 |
| Loan loss allowance to noncurrent loans | 747.8239% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,591 |
| Noncurrent loans to loans | 0.5195% | 6,157 |
| Net loans and leases to total assets | 42.5763% | 6,944 |
| Net loans and leases to deposits | 53.0018% | 6,834 |
| Net loans and leases to core deposits | 56.0136% | 6,858 |
| Total domestic deposits to total assets | 80.3299% | 5,604 |
| Equity capital to assets | 11.6318% | 2,428 |
| Core capital (leverage) ratio | 10.7067% | 2,508 |
| Tier 1 risk-based capital ratio | 19.2207% | 1,702 |
| Total risk-based capital ratio | 20.4942% | 1,669 |
| Memoranda: | ||
| Average total assets | $869,975,750 | 777 |
| Average earning assets | $797,177,500 | 762 |
| Average equity | $93,771,250 | 715 |
| Average total loans | $398,339,000 | 1,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 4,671 |
| Cost of funding earning assets | 1.4510% | 3,551 |
| Net interest margin | 3.6062% | 4,784 |
| Noninterest income to average assets | 0.1555% | 6,776 |
| Noninterest expense to average assets | 1.9380% | 7,199 |
| Loan and lease loss provision to assets | 0.6271% | 2,291 |
| Net operating income to assets | 0.6241% | 3,759 |
| Return on assets (ROA) | 0.4953% | 4,506 |
| Pretax return on assets | 0.7041% | 4,220 |
| Return on Equity (ROE) | 4.7154% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.7154% | 3,077 |
| Net charge-offs to loans | 0.5229% | 2,965 |
| Credit loss provision to net charge-offs | 259.1894% | 1,469 |
| Earnings coverage of net charge-offs (x) | 6.2630% | 2,493 |
| Efficiency ratio | 56.1212% | 6,621 |
| Assets per employee ($millions) | 6.8958% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4192% | 586 |
| Loan loss allowance to noncurrent loans | 1,158.7091% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,855 |
| Noncurrent loans to loans | 0.2951% | 6,640 |
| Net loans and leases to total assets | 44.0003% | 6,922 |
| Net loans and leases to deposits | 54.4344% | 6,831 |
| Net loans and leases to core deposits | 57.2307% | 6,876 |
| Total domestic deposits to total assets | 80.8317% | 5,463 |
| Equity capital to assets | 10.8856% | 2,982 |
| Core capital (leverage) ratio | 9.9945% | 3,169 |
| Tier 1 risk-based capital ratio | 17.9609% | 1,970 |
| Total risk-based capital ratio | 19.2292% | 1,934 |
| Memoranda: | ||
| Average total assets | $877,088,670 | 768 |
| Average earning assets | $802,065,000 | 758 |
| Average equity | $92,124,330 | 714 |
| Average total loans | $405,811,000 | 1,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 4,867 |
| Cost of funding earning assets | 1.5209% | 3,418 |
| Net interest margin | 3.5119% | 5,110 |
| Noninterest income to average assets | 0.1019% | 7,197 |
| Noninterest expense to average assets | 1.8753% | 7,371 |
| Loan and lease loss provision to assets | 0.5587% | 2,265 |
| Net operating income to assets | 0.5842% | 3,968 |
| Return on assets (ROA) | 0.6306% | 3,882 |
| Pretax return on assets | 0.9466% | 3,279 |
| Return on Equity (ROE) | 6.1084% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,573 |
| Net charge-offs to loans | 0.7346% | 2,036 |
| Credit loss provision to net charge-offs | 163.1854% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.1945% | 2,679 |
| Efficiency ratio | 56.6338% | 6,678 |
| Assets per employee ($millions) | 7.3580% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9469% | 860 |
| Loan loss allowance to noncurrent loans | 377.7778% | 832 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 3,590 |
| Noncurrent loans to loans | 0.7801% | 5,767 |
| Net loans and leases to total assets | 43.6587% | 7,020 |
| Net loans and leases to deposits | 54.6806% | 6,874 |
| Net loans and leases to core deposits | 57.3172% | 6,917 |
| Total domestic deposits to total assets | 79.8431% | 5,839 |
| Equity capital to assets | 10.5042% | 3,241 |
| Core capital (leverage) ratio | 9.8108% | 3,387 |
| Tier 1 risk-based capital ratio | 16.5418% | 2,430 |
| Total risk-based capital ratio | 17.8049% | 2,377 |
| Memoranda: | ||
| Average total assets | $894,990,000 | 772 |
| Average earning assets | $817,912,500 | 763 |
| Average equity | $92,397,000 | 714 |
| Average total loans | $417,080,000 | 1,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 3,452 |
| Cost of funding earning assets | 2.0252% | 2,845 |
| Net interest margin | 3.6033% | 4,539 |
| Noninterest income to average assets | 0.1205% | 7,155 |
| Noninterest expense to average assets | 1.8350% | 7,577 |
| Loan and lease loss provision to assets | 1.0611% | 2,163 |
| Net operating income to assets | 1.5540% | 605 |
| Return on assets (ROA) | 0.8715% | 2,335 |
| Pretax return on assets | -0.5278% | 6,032 |
| Return on Equity (ROE) | 10.3377% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.5615% | 1,133 |
| Net charge-offs to loans | 1.5830% | 1,593 |
| Credit loss provision to net charge-offs | 131.2077% | 3,864 |
| Earnings coverage of net charge-offs (x) | 1.9781% | 4,236 |
| Efficiency ratio | 53.4248% | 7,285 |
| Assets per employee ($millions) | 7.6923% | 577 |
| Cash dividends to net income (ytd only)* | 36.5279% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 1,067 |
| Loan loss allowance to noncurrent loans | 82.0705% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.7712% | 3,722 |
| Noncurrent loans to loans | 3.2323% | 2,362 |
| Net loans and leases to total assets | 46.9493% | 6,900 |
| Net loans and leases to deposits | 58.6381% | 6,734 |
| Net loans and leases to core deposits | 80.0840% | 6,092 |
| Total domestic deposits to total assets | 80.0661% | 5,654 |
| Equity capital to assets | 10.1423% | 3,571 |
| Core capital (leverage) ratio | 9.7925% | 3,330 |
| Tier 1 risk-based capital ratio | 15.5981% | 2,675 |
| Total risk-based capital ratio | 16.8589% | 2,624 |
| Memoranda: | ||
| Average total assets | $876,450,800 | 773 |
| Average earning assets | $806,153,600 | 754 |
| Average equity | $73,885,200 | 880 |
| Average total loans | $447,764,400 | 1,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7407% | 3,133 |
| Cost of funding earning assets | 2.1520% | 2,637 |
| Net interest margin | 3.5888% | 4,521 |
| Noninterest income to average assets | 0.1281% | 7,245 |
| Noninterest expense to average assets | 1.8463% | 7,614 |
| Loan and lease loss provision to assets | 0.2369% | 5,073 |
| Net operating income to assets | 0.9425% | 2,261 |
| Return on assets (ROA) | 0.5590% | 3,844 |
| Pretax return on assets | 0.7991% | 3,543 |
| Return on Equity (ROE) | 6.9943% | 3,074 |
| Retained earnings to average equity (ytd only) | 1.6597% | 4,382 |
| Net charge-offs to loans | -0.0006% | 7,575 |
| Credit loss provision to net charge-offs | -77,500.0000% | 7,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8270% | 7,253 |
| Assets per employee ($millions) | 7.4803% | 637 |
| Cash dividends to net income (ytd only)* | 76.2713% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4365% | 1,130 |
| Loan loss allowance to noncurrent loans | 79.5033% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 3,106 |
| Noncurrent loans to loans | 3.0647% | 2,470 |
| Net loans and leases to total assets | 49.6350% | 6,806 |
| Net loans and leases to deposits | 62.5356% | 6,627 |
| Net loans and leases to core deposits | 86.6070% | 5,809 |
| Total domestic deposits to total assets | 79.3709% | 5,671 |
| Equity capital to assets | 9.3466% | 4,962 |
| Core capital (leverage) ratio | 9.6273% | 3,744 |
| Tier 1 risk-based capital ratio | 14.3176% | 3,376 |
| Total risk-based capital ratio | 15.5759% | 3,316 |
| Memoranda: | ||
| Average total assets | $872,486,000 | 788 |
| Average earning assets | $802,785,000 | 772 |
| Average equity | $69,731,250 | 949 |
| Average total loans | $452,118,250 | 1,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 2,607 |
| Cost of funding earning assets | 2.3375% | 2,212 |
| Net interest margin | 3.5571% | 4,547 |
| Noninterest income to average assets | 0.1348% | 7,286 |
| Noninterest expense to average assets | 1.8863% | 7,643 |
| Loan and lease loss provision to assets | 0.1258% | 5,852 |
| Net operating income to assets | 0.9082% | 2,429 |
| Return on assets (ROA) | 0.7816% | 3,018 |
| Pretax return on assets | 1.1917% | 2,324 |
| Return on Equity (ROE) | 10.3608% | 1,898 |
| Retained earnings to average equity (ytd only) | 1.8987% | 4,288 |
| Net charge-offs to loans | -0.0013% | 7,471 |
| Credit loss provision to net charge-offs | -18,333.3333% | 7,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5526% | 7,160 |
| Assets per employee ($millions) | 7.3623% | 649 |
| Cash dividends to net income (ytd only)* | 81.6745% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1860% | 1,265 |
| Loan loss allowance to noncurrent loans | 69.8075% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9832% | 3,218 |
| Noncurrent loans to loans | 3.1315% | 2,281 |
| Net loans and leases to total assets | 51.5643% | 6,733 |
| Net loans and leases to deposits | 64.8302% | 6,489 |
| Net loans and leases to core deposits | 89.0283% | 5,629 |
| Total domestic deposits to total assets | 79.5375% | 5,627 |
| Equity capital to assets | 8.5864% | 5,918 |
| Core capital (leverage) ratio | 9.5700% | 3,786 |
| Tier 1 risk-based capital ratio | 13.7257% | 3,674 |
| Total risk-based capital ratio | 14.9807% | 3,604 |
| Memoranda: | ||
| Average total assets | $874,074,670 | 804 |
| Average earning assets | $801,280,000 | 793 |
| Average equity | $65,941,000 | 1,026 |
| Average total loans | $455,674,670 | 1,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 2,325 |
| Cost of funding earning assets | 2.5079% | 1,889 |
| Net interest margin | 3.5012% | 4,734 |
| Noninterest income to average assets | 0.1460% | 7,247 |
| Noninterest expense to average assets | 1.8788% | 7,589 |
| Loan and lease loss provision to assets | 0.0676% | 6,102 |
| Net operating income to assets | 0.9477% | 2,523 |
| Return on assets (ROA) | 0.6569% | 3,946 |
| Pretax return on assets | 0.9692% | 3,470 |
| Return on Equity (ROE) | 9.3219% | 2,605 |
| Retained earnings to average equity (ytd only) | -0.1407% | 5,676 |
| Net charge-offs to loans | -0.0026% | 7,124 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1995% | 6,948 |
| Assets per employee ($millions) | 7.4922% | 628 |
| Cash dividends to net income (ytd only)* | 101.5089% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0613% | 1,306 |
| Loan loss allowance to noncurrent loans | 2,999.0385% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,891 |
| Noncurrent loans to loans | 0.0687% | 7,330 |
| Net loans and leases to total assets | 52.0520% | 6,676 |
| Net loans and leases to deposits | 64.3737% | 6,521 |
| Net loans and leases to core deposits | 89.0765% | 5,638 |
| Total domestic deposits to total assets | 80.8591% | 5,022 |
| Equity capital to assets | 6.9440% | 7,706 |
| Core capital (leverage) ratio | 9.2565% | 4,308 |
| Tier 1 risk-based capital ratio | 12.6424% | 4,441 |
| Total risk-based capital ratio | 13.8954% | 4,358 |
| Memoranda: | ||
| Average total assets | $887,780,000 | 795 |
| Average earning assets | $810,703,500 | 789 |
| Average equity | $62,562,500 | 1,088 |
| Average total loans | $460,345,500 | 1,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 4,556 |
| Cost of funding earning assets | 3.1083% | 1,479 |
| Net interest margin | 3.0843% | 6,694 |
| Noninterest income to average assets | 0.1437% | 7,383 |
| Noninterest expense to average assets | 1.5046% | 8,034 |
| Loan and lease loss provision to assets | 0.4888% | 2,861 |
| Net operating income to assets | 0.9481% | 2,800 |
| Return on assets (ROA) | -7.8611% | 8,215 |
| Pretax return on assets | -8.4220% | 8,213 |
| Return on Equity (ROE) | -96.9585% | 8,273 |
| Retained earnings to average equity (ytd only) | -99.4333% | 8,272 |
| Net charge-offs to loans | -0.0256% | 7,953 |
| Credit loss provision to net charge-offs | -4,191.4530% | 7,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4335% | 7,698 |
| Assets per employee ($millions) | 8.0126% | 467 |
| Cash dividends to net income (ytd only)* | -2.5524% | 7,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9719% | 1,278 |
| Loan loss allowance to noncurrent loans | 4,019.2140% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 6,842 |
| Noncurrent loans to loans | 0.0491% | 7,314 |
| Net loans and leases to total assets | 49.6553% | 7,059 |
| Net loans and leases to deposits | 62.7804% | 6,890 |
| Net loans and leases to core deposits | 88.8046% | 5,909 |
| Total domestic deposits to total assets | 79.0936% | 5,343 |
| Equity capital to assets | 7.1426% | 7,659 |
| Core capital (leverage) ratio | 8.8476% | 4,974 |
| Tier 1 risk-based capital ratio | 12.2064% | 4,662 |
| Total risk-based capital ratio | 13.4585% | 4,553 |
| Memoranda: | ||
| Average total assets | $1,003,258,200 | 661 |
| Average earning assets | $943,304,400 | 636 |
| Average equity | $81,341,000 | 820 |
| Average total loans | $456,763,200 | 1,058 |