Home > The Lowell Five Cent Savings Bank > Performance and Condition Ratios
The Lowell Five Cent Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 2,257 |
| Cost of funding earning assets | 1.2031% | 2,793 |
| Net interest margin | 3.7075% | 1,752 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.3666% | 2,671 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9289% | 2,455 |
| Return on assets (ROA) | 0.9293% | 2,425 |
| Pretax return on assets | 1.2730% | 1,949 |
| Return on Equity (ROE) | 8.3800% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.3793% | 1,431 |
| Net charge-offs to loans | -0.0059% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.5287% | 2,664 |
| Assets per employee ($millions) | 8.3506% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,478 |
| Loan loss allowance to noncurrent loans | 74.2489% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 392 |
| Noncurrent loans to loans | 1.5687% | 423 |
| Net loans and leases to total assets | 72.4900% | 1,527 |
| Net loans and leases to deposits | 83.8638% | 1,791 |
| Net loans and leases to core deposits | 92.8375% | 1,854 |
| Total domestic deposits to total assets | 86.4400% | 1,879 |
| Equity capital to assets | 11.7706% | 1,209 |
| Core capital (leverage) ratio | 12.6462% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5371% | 988 |
| Memoranda: | ||
| Average total assets | $1,623,388,800 | 672 |
| Average earning assets | $1,505,412,600 | 667 |
| Average equity | $180,038,600 | 588 |
| Average total loans | $1,175,431,000 | 644 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 2,144 |
| Cost of funding earning assets | 1.1038% | 2,728 |
| Net interest margin | 3.7581% | 1,673 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.3833% | 2,570 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9621% | 2,473 |
| Return on assets (ROA) | 0.9626% | 2,462 |
| Pretax return on assets | 1.3123% | 1,999 |
| Return on Equity (ROE) | 8.8100% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.8142% | 1,737 |
| Net charge-offs to loans | -0.0080% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.1042% | 2,607 |
| Assets per employee ($millions) | 8.3031% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,751 |
| Loan loss allowance to noncurrent loans | 416.6089% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,269 |
| Noncurrent loans to loans | 0.2693% | 2,277 |
| Net loans and leases to total assets | 73.4600% | 1,410 |
| Net loans and leases to deposits | 84.7074% | 1,673 |
| Net loans and leases to core deposits | 93.0897% | 1,725 |
| Total domestic deposits to total assets | 86.7200% | 1,973 |
| Equity capital to assets | 11.3909% | 1,215 |
| Core capital (leverage) ratio | 12.6198% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4037% | 1,034 |
| Memoranda: | ||
| Average total assets | $1,624,230,000 | 674 |
| Average earning assets | $1,506,981,500 | 666 |
| Average equity | $177,376,750 | 593 |
| Average total loans | $1,172,227,000 | 647 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,970 |
| Cost of funding earning assets | 1.0141% | 2,557 |
| Net interest margin | 3.7974% | 1,634 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.3829% | 2,546 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.9818% | 2,474 |
| Return on assets (ROA) | 0.9825% | 2,459 |
| Pretax return on assets | 1.3279% | 1,997 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.1238% | 1,656 |
| Net charge-offs to loans | -0.0125% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.4008% | 2,660 |
| Assets per employee ($millions) | 8.2316% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 2,976 |
| Loan loss allowance to noncurrent loans | 702.6002% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 2,730 |
| Noncurrent loans to loans | 0.1558% | 2,693 |
| Net loans and leases to total assets | 72.6200% | 1,458 |
| Net loans and leases to deposits | 83.2473% | 1,743 |
| Net loans and leases to core deposits | 90.2757% | 1,780 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 11.1167% | 1,340 |
| Core capital (leverage) ratio | 12.0746% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9138% | 1,139 |
| Memoranda: | ||
| Average total assets | $1,637,008,667 | 662 |
| Average earning assets | $1,520,349,333 | 649 |
| Average equity | $176,286,667 | 587 |
| Average total loans | $1,170,256,000 | 631 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 1,781 |
| Cost of funding earning assets | 0.8858% | 2,417 |
| Net interest margin | 3.8436% | 1,596 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3607% | 2,633 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.0582% | 2,356 |
| Return on assets (ROA) | 1.0582% | 2,325 |
| Pretax return on assets | 1.4301% | 1,813 |
| Return on Equity (ROE) | 9.9800% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.9844% | 1,705 |
| Net charge-offs to loans | -0.0248% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7428% | 2,854 |
| Assets per employee ($millions) | 8.5410% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,218 |
| Loan loss allowance to noncurrent loans | 639.0132% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,675 |
| Noncurrent loans to loans | 0.1670% | 2,662 |
| Net loans and leases to total assets | 71.0100% | 1,521 |
| Net loans and leases to deposits | 81.1401% | 1,734 |
| Net loans and leases to core deposits | 85.8905% | 1,872 |
| Total domestic deposits to total assets | 87.5200% | 2,081 |
| Equity capital to assets | 10.8272% | 1,410 |
| Core capital (leverage) ratio | 11.7111% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4490% | 1,274 |
| Memoranda: | ||
| Average total assets | $1,648,817,500 | 667 |
| Average earning assets | $1,533,050,000 | 657 |
| Average equity | $174,752,000 | 603 |
| Average total loans | $1,163,098,000 | 639 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 2,405 |
| Cost of funding earning assets | 0.4036% | 2,071 |
| Net interest margin | 3.3466% | 2,431 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1223% | 3,230 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9396% | 2,818 |
| Return on assets (ROA) | 0.9447% | 2,736 |
| Pretax return on assets | 1.2782% | 2,167 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 9.5199% | 1,309 |
| Net charge-offs to loans | 0.0005% | 2,584 |
| Credit loss provision to net charge-offs | 16,666.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 3,743.1667% | 37 |
| Efficiency ratio | 61.4544% | 2,847 |
| Assets per employee ($millions) | 7.9700% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,370 |
| Loan loss allowance to noncurrent loans | 831.6245% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 2,965 |
| Noncurrent loans to loans | 0.1205% | 2,919 |
| Net loans and leases to total assets | 68.6200% | 1,772 |
| Net loans and leases to deposits | 77.9394% | 1,956 |
| Net loans and leases to core deposits | 81.0051% | 2,077 |
| Total domestic deposits to total assets | 88.0500% | 2,058 |
| Equity capital to assets | 10.3726% | 1,522 |
| Core capital (leverage) ratio | 11.3634% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1528% | 1,330 |
| Memoranda: | ||
| Average total assets | $1,687,171,600 | 641 |
| Average earning assets | $1,581,146,400 | 627 |
| Average equity | $167,417,800 | 616 |
| Average total loans | $1,108,409,600 | 625 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5172% | 2,561 |
| Cost of funding earning assets | 0.3601% | 1,618 |
| Net interest margin | 3.1571% | 2,751 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.1284% | 3,138 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8133% | 3,198 |
| Return on assets (ROA) | 0.8200% | 3,137 |
| Pretax return on assets | 1.1082% | 2,695 |
| Return on Equity (ROE) | 8.3600% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.3558% | 1,866 |
| Net charge-offs to loans | -0.0013% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6310% | 2,468 |
| Assets per employee ($millions) | 8.1030% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,446 |
| Loan loss allowance to noncurrent loans | 65.7788% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 429 |
| Noncurrent loans to loans | 1.5293% | 451 |
| Net loans and leases to total assets | 66.6500% | 1,821 |
| Net loans and leases to deposits | 75.0050% | 1,959 |
| Net loans and leases to core deposits | 77.1318% | 2,102 |
| Total domestic deposits to total assets | 88.8600% | 2,149 |
| Equity capital to assets | 9.7248% | 1,757 |
| Core capital (leverage) ratio | 10.8990% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0031% | 1,429 |
| Memoranda: | ||
| Average total assets | $1,694,522,750 | 643 |
| Average earning assets | $1,590,657,750 | 624 |
| Average equity | $166,284,000 | 623 |
| Average total loans | $1,098,231,750 | 625 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 2,756 |
| Cost of funding earning assets | 0.3490% | 1,269 |
| Net interest margin | 2.9457% | 3,048 |
| Noninterest income to average assets | 0.3610% | 2,987 |
| Noninterest expense to average assets | 2.0664% | 3,247 |
| Loan and lease loss provision to assets | 0.0471% | 1,724 |
| Net operating income to assets | 0.7514% | 3,139 |
| Return on assets (ROA) | 0.7514% | 3,094 |
| Pretax return on assets | 1.0154% | 2,668 |
| Return on Equity (ROE) | 7.6347% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,754 |
| Net charge-offs to loans | -0.0020% | 3,133 |
| Credit loss provision to net charge-offs | -3,636.3636% | 3,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0438% | 2,500 |
| Assets per employee ($millions) | 8.6173% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,611 |
| Loan loss allowance to noncurrent loans | 64.2253% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 480 |
| Noncurrent loans to loans | 1.5502% | 477 |
| Net loans and leases to total assets | 63.0935% | 2,007 |
| Net loans and leases to deposits | 70.9862% | 2,111 |
| Net loans and leases to core deposits | 73.0520% | 2,234 |
| Total domestic deposits to total assets | 88.8814% | 2,235 |
| Equity capital to assets | 9.6313% | 1,918 |
| Core capital (leverage) ratio | 10.5995% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0225% | 1,431 |
| Memoranda: | ||
| Average total assets | $1,700,259,667 | 636 |
| Average earning assets | $1,597,601,333 | 622 |
| Average equity | $167,340,333 | 632 |
| Average total loans | $1,087,889,000 | 611 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2653% | 2,489 |
| Cost of funding earning assets | 0.3562% | 1,153 |
| Net interest margin | 2.9091% | 2,808 |
| Noninterest income to average assets | 0.2793% | 3,467 |
| Noninterest expense to average assets | 2.0928% | 3,166 |
| Loan and lease loss provision to assets | 0.0355% | 1,721 |
| Net operating income to assets | 0.6559% | 3,209 |
| Return on assets (ROA) | 0.6559% | 3,188 |
| Pretax return on assets | 0.8864% | 2,827 |
| Return on Equity (ROE) | 6.5923% | 3,160 |
| Retained earnings to average equity (ytd only) | 6.5923% | 2,035 |
| Net charge-offs to loans | 0.0081% | 1,451 |
| Credit loss provision to net charge-offs | 681.8182% | 431 |
| Earnings coverage of net charge-offs (x) | 176.9091% | 466 |
| Efficiency ratio | 69.4193% | 2,309 |
| Assets per employee ($millions) | 8.5000% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,806 |
| Loan loss allowance to noncurrent loans | 67.8385% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 583 |
| Noncurrent loans to loans | 1.4414% | 581 |
| Net loans and leases to total assets | 63.1389% | 1,726 |
| Net loans and leases to deposits | 71.2294% | 1,839 |
| Net loans and leases to core deposits | 73.3770% | 1,984 |
| Total domestic deposits to total assets | 88.6417% | 2,234 |
| Equity capital to assets | 9.7054% | 2,125 |
| Core capital (leverage) ratio | 10.5665% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7413% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,688,659,500 | 641 |
| Average earning assets | $1,587,850,000 | 628 |
| Average equity | $168,015,000 | 647 |
| Average total loans | $1,082,670,000 | 611 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 2,808 |
| Cost of funding earning assets | 0.4163% | 1,427 |
| Net interest margin | 3.0309% | 3,109 |
| Noninterest income to average assets | 0.3648% | 3,247 |
| Noninterest expense to average assets | 2.2259% | 2,997 |
| Loan and lease loss provision to assets | 0.0114% | 2,857 |
| Net operating income to assets | 0.7344% | 3,535 |
| Return on assets (ROA) | 0.7434% | 3,570 |
| Pretax return on assets | 0.9818% | 3,312 |
| Return on Equity (ROE) | 6.9548% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.9548% | 1,931 |
| Net charge-offs to loans | -0.0175% | 3,935 |
| Credit loss provision to net charge-offs | -93.0851% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3934% | 1,806 |
| Assets per employee ($millions) | 8.0231% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,834 |
| Loan loss allowance to noncurrent loans | 55.3569% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 448 |
| Noncurrent loans to loans | 1.7671% | 484 |
| Net loans and leases to total assets | 63.8436% | 1,722 |
| Net loans and leases to deposits | 72.0050% | 1,909 |
| Net loans and leases to core deposits | 74.3840% | 2,046 |
| Total domestic deposits to total assets | 88.6656% | 1,694 |
| Equity capital to assets | 10.1996% | 2,473 |
| Core capital (leverage) ratio | 11.0455% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2533% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,534,683,400 | 670 |
| Average earning assets | $1,439,496,800 | 665 |
| Average equity | $164,045,400 | 665 |
| Average total loans | $1,073,841,000 | 614 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 2,664 |
| Cost of funding earning assets | 0.4330% | 1,465 |
| Net interest margin | 3.1276% | 2,974 |
| Noninterest income to average assets | 0.3962% | 3,109 |
| Noninterest expense to average assets | 2.2230% | 3,001 |
| Loan and lease loss provision to assets | 0.0155% | 2,689 |
| Net operating income to assets | 0.8184% | 3,476 |
| Return on assets (ROA) | 0.8307% | 3,506 |
| Pretax return on assets | 1.1018% | 3,191 |
| Return on Equity (ROE) | 7.6739% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.6739% | 2,156 |
| Net charge-offs to loans | -0.0234% | 4,028 |
| Credit loss provision to net charge-offs | -93.0851% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8617% | 1,989 |
| Assets per employee ($millions) | 7.2292% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,822 |
| Loan loss allowance to noncurrent loans | 52.6016% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 444 |
| Noncurrent loans to loans | 1.9117% | 475 |
| Net loans and leases to total assets | 66.6583% | 1,471 |
| Net loans and leases to deposits | 75.7446% | 1,693 |
| Net loans and leases to core deposits | 78.7608% | 1,836 |
| Total domestic deposits to total assets | 88.0040% | 1,838 |
| Equity capital to assets | 10.7509% | 2,213 |
| Core capital (leverage) ratio | 11.3666% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5687% | 1,460 |
| Memoranda: | ||
| Average total assets | $1,501,151,000 | 692 |
| Average earning assets | $1,405,663,750 | 683 |
| Average equity | $162,503,750 | 673 |
| Average total loans | $1,073,312,250 | 626 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 2,778 |
| Cost of funding earning assets | 0.4492% | 1,525 |
| Net interest margin | 3.0975% | 3,045 |
| Noninterest income to average assets | 0.2571% | 3,853 |
| Noninterest expense to average assets | 2.2531% | 2,910 |
| Loan and lease loss provision to assets | 0.0236% | 2,496 |
| Net operating income to assets | 0.6290% | 3,921 |
| Return on assets (ROA) | 0.6477% | 3,939 |
| Pretax return on assets | 0.9018% | 3,661 |
| Return on Equity (ROE) | 5.9687% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.9687% | 2,812 |
| Net charge-offs to loans | -0.0338% | 4,206 |
| Credit loss provision to net charge-offs | -95.6284% | 3,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4158% | 1,487 |
| Assets per employee ($millions) | 7.0284% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,911 |
| Loan loss allowance to noncurrent loans | 32.4360% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1263% | 193 |
| Noncurrent loans to loans | 3.0001% | 242 |
| Net loans and leases to total assets | 70.1857% | 1,171 |
| Net loans and leases to deposits | 79.6493% | 1,460 |
| Net loans and leases to core deposits | 83.1143% | 1,633 |
| Total domestic deposits to total assets | 88.1184% | 1,762 |
| Equity capital to assets | 10.6937% | 2,230 |
| Core capital (leverage) ratio | 11.1673% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4379% | 1,488 |
| Memoranda: | ||
| Average total assets | $1,483,441,000 | 693 |
| Average earning assets | $1,387,849,667 | 687 |
| Average equity | $160,972,000 | 672 |
| Average total loans | $1,082,222,667 | 624 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 2,788 |
| Cost of funding earning assets | 0.4602% | 1,650 |
| Net interest margin | 3.0884% | 3,030 |
| Noninterest income to average assets | 0.2511% | 3,894 |
| Noninterest expense to average assets | 2.2987% | 2,798 |
| Loan and lease loss provision to assets | 0.0479% | 2,122 |
| Net operating income to assets | 0.5543% | 4,062 |
| Return on assets (ROA) | 0.5921% | 4,024 |
| Pretax return on assets | 0.8410% | 3,739 |
| Return on Equity (ROE) | 5.4156% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.4156% | 3,089 |
| Net charge-offs to loans | 0.0063% | 1,672 |
| Credit loss provision to net charge-offs | 1,029.4118% | 409 |
| Earnings coverage of net charge-offs (x) | 180.8824% | 430 |
| Efficiency ratio | 73.2143% | 1,379 |
| Assets per employee ($millions) | 6.8732% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,014 |
| Loan loss allowance to noncurrent loans | 80.1740% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 1,031 |
| Noncurrent loans to loans | 1.1867% | 1,114 |
| Net loans and leases to total assets | 71.7015% | 1,069 |
| Net loans and leases to deposits | 81.3886% | 1,388 |
| Net loans and leases to core deposits | 85.0087% | 1,591 |
| Total domestic deposits to total assets | 88.0977% | 1,792 |
| Equity capital to assets | 10.7029% | 2,079 |
| Core capital (leverage) ratio | 11.6361% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9068% | 1,321 |
| Memoranda: | ||
| Average total assets | $1,462,580,000 | 697 |
| Average earning assets | $1,367,967,000 | 688 |
| Average equity | $159,909,500 | 669 |
| Average total loans | $1,082,851,500 | 622 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 2,980 |
| Cost of funding earning assets | 0.6250% | 2,155 |
| Net interest margin | 3.2932% | 3,082 |
| Noninterest income to average assets | 0.2975% | 3,702 |
| Noninterest expense to average assets | 2.4686% | 2,941 |
| Loan and lease loss provision to assets | 0.1454% | 2,552 |
| Net operating income to assets | 0.5990% | 3,760 |
| Return on assets (ROA) | 0.5060% | 4,100 |
| Pretax return on assets | 0.6432% | 3,991 |
| Return on Equity (ROE) | 4.3052% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.3052% | 2,647 |
| Net charge-offs to loans | 0.0087% | 3,017 |
| Credit loss provision to net charge-offs | 2,187.5000% | 412 |
| Earnings coverage of net charge-offs (x) | 136.3977% | 624 |
| Efficiency ratio | 73.1452% | 1,550 |
| Assets per employee ($millions) | 6.5751% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,076 |
| Loan loss allowance to noncurrent loans | 77.9278% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 1,079 |
| Noncurrent loans to loans | 1.2062% | 1,158 |
| Net loans and leases to total assets | 75.0544% | 895 |
| Net loans and leases to deposits | 85.7286% | 1,270 |
| Net loans and leases to core deposits | 90.2170% | 1,510 |
| Total domestic deposits to total assets | 87.5489% | 1,687 |
| Equity capital to assets | 11.1755% | 2,116 |
| Core capital (leverage) ratio | 11.6570% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0141% | 1,259 |
| Memoranda: | ||
| Average total assets | $1,324,376,400 | 691 |
| Average earning assets | $1,237,593,800 | 681 |
| Average equity | $155,648,200 | 655 |
| Average total loans | $1,009,633,600 | 636 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,113 |
| Cost of funding earning assets | 0.6605% | 2,266 |
| Net interest margin | 3.2882% | 3,230 |
| Noninterest income to average assets | 0.2994% | 3,694 |
| Noninterest expense to average assets | 2.5264% | 2,753 |
| Loan and lease loss provision to assets | 0.1565% | 2,445 |
| Net operating income to assets | 0.5527% | 3,904 |
| Return on assets (ROA) | 0.4246% | 4,282 |
| Pretax return on assets | 0.5281% | 4,229 |
| Return on Equity (ROE) | 3.5647% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.5647% | 3,273 |
| Net charge-offs to loans | 0.0108% | 2,721 |
| Credit loss provision to net charge-offs | 1,906.2500% | 497 |
| Earnings coverage of net charge-offs (x) | 102.8625% | 775 |
| Efficiency ratio | 74.9414% | 1,306 |
| Assets per employee ($millions) | 6.4957% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 3,987 |
| Loan loss allowance to noncurrent loans | 74.9099% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 1,220 |
| Noncurrent loans to loans | 1.2374% | 1,230 |
| Net loans and leases to total assets | 74.7670% | 1,272 |
| Net loans and leases to deposits | 85.6099% | 1,748 |
| Net loans and leases to core deposits | 90.8843% | 1,897 |
| Total domestic deposits to total assets | 87.3345% | 1,528 |
| Equity capital to assets | 11.3644% | 2,104 |
| Core capital (leverage) ratio | 11.8408% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3834% | 1,162 |
| Memoranda: | ||
| Average total assets | $1,298,771,250 | 687 |
| Average earning assets | $1,213,303,250 | 678 |
| Average equity | $154,697,500 | 648 |
| Average total loans | $991,783,250 | 635 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,173 |
| Cost of funding earning assets | 0.7111% | 2,329 |
| Net interest margin | 3.3447% | 3,256 |
| Noninterest income to average assets | 0.3183% | 3,560 |
| Noninterest expense to average assets | 2.6188% | 2,603 |
| Loan and lease loss provision to assets | 0.2409% | 1,746 |
| Net operating income to assets | 0.5002% | 4,021 |
| Return on assets (ROA) | 0.2000% | 4,617 |
| Pretax return on assets | 0.2328% | 4,604 |
| Return on Equity (ROE) | 1.6510% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.6510% | 3,889 |
| Net charge-offs to loans | 0.0702% | 1,547 |
| Credit loss provision to net charge-offs | 447.2141% | 1,310 |
| Earnings coverage of net charge-offs (x) | 15.2757% | 1,916 |
| Efficiency ratio | 76.0923% | 1,256 |
| Assets per employee ($millions) | 6.3221% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 3,886 |
| Loan loss allowance to noncurrent loans | 2,313.3820% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,399 |
| Noncurrent loans to loans | 0.0401% | 4,322 |
| Net loans and leases to total assets | 74.3373% | 1,368 |
| Net loans and leases to deposits | 85.5510% | 1,819 |
| Net loans and leases to core deposits | 91.1866% | 1,969 |
| Total domestic deposits to total assets | 86.8924% | 1,667 |
| Equity capital to assets | 11.4058% | 2,037 |
| Core capital (leverage) ratio | 11.9090% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4014% | 1,157 |
| Memoranda: | ||
| Average total assets | $1,266,173,000 | 688 |
| Average earning assets | $1,182,359,000 | 676 |
| Average equity | $153,359,333 | 650 |
| Average total loans | $971,064,667 | 637 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,892 |
| Cost of funding earning assets | 0.8230% | 2,260 |
| Net interest margin | 3.4886% | 3,021 |
| Noninterest income to average assets | 0.3068% | 3,678 |
| Noninterest expense to average assets | 2.8683% | 2,219 |
| Loan and lease loss provision to assets | 0.3370% | 913 |
| Net operating income to assets | 0.3358% | 4,272 |
| Return on assets (ROA) | -0.6238% | 4,924 |
| Pretax return on assets | -0.8641% | 4,938 |
| Return on Equity (ROE) | -4.9868% | 4,922 |
| Retained earnings to average equity (ytd only) | -4.9868% | 4,520 |
| Net charge-offs to loans | 0.0097% | 2,222 |
| Credit loss provision to net charge-offs | 4,456.5217% | 183 |
| Earnings coverage of net charge-offs (x) | 90.9130% | 620 |
| Efficiency ratio | 80.6640% | 1,075 |
| Assets per employee ($millions) | 5.7517% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,785 |
| Loan loss allowance to noncurrent loans | 217.8972% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,061 |
| Noncurrent loans to loans | 0.4521% | 2,895 |
| Net loans and leases to total assets | 75.4577% | 1,395 |
| Net loans and leases to deposits | 87.9015% | 1,756 |
| Net loans and leases to core deposits | 95.6124% | 1,832 |
| Total domestic deposits to total assets | 85.8434% | 2,063 |
| Equity capital to assets | 12.2079% | 1,916 |
| Core capital (leverage) ratio | 12.8090% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3482% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,216,477,000 | 685 |
| Average earning assets | $1,132,936,000 | 673 |
| Average equity | $152,162,000 | 652 |
| Average total loans | $944,281,000 | 633 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 2,541 |
| Cost of funding earning assets | 0.8172% | 2,603 |
| Net interest margin | 3.8055% | 2,486 |
| Noninterest income to average assets | 0.3370% | 3,690 |
| Noninterest expense to average assets | 2.7496% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8422% | 3,410 |
| Return on assets (ROA) | 1.0412% | 2,785 |
| Pretax return on assets | 1.3759% | 2,247 |
| Return on Equity (ROE) | 8.2379% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.2379% | 904 |
| Net charge-offs to loans | 0.0660% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.4466% | 1,888 |
| Efficiency ratio | 70.9826% | 2,026 |
| Assets per employee ($millions) | 5.5896% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,036 |
| Loan loss allowance to noncurrent loans | 234.2150% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 3,244 |
| Noncurrent loans to loans | 0.3774% | 3,088 |
| Net loans and leases to total assets | 78.4026% | 1,010 |
| Net loans and leases to deposits | 91.8106% | 1,391 |
| Net loans and leases to core deposits | 100.3026% | 1,538 |
| Total domestic deposits to total assets | 85.3960% | 2,350 |
| Equity capital to assets | 12.8220% | 1,627 |
| Core capital (leverage) ratio | 13.2687% | 1,127 |
| Tier 1 risk-based capital ratio | 16.4301% | 2,243 |
| Total risk-based capital ratio | 17.3106% | 2,330 |
| Memoranda: | ||
| Average total assets | $1,161,972,000 | 683 |
| Average earning assets | $1,079,887,000 | 674 |
| Average equity | $146,869,200 | 635 |
| Average total loans | $922,994,800 | 629 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 2,579 |
| Cost of funding earning assets | 0.7987% | 2,725 |
| Net interest margin | 3.8482% | 2,444 |
| Noninterest income to average assets | 0.3362% | 3,724 |
| Noninterest expense to average assets | 2.7719% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8455% | 3,528 |
| Return on assets (ROA) | 1.0236% | 2,968 |
| Pretax return on assets | 1.3648% | 2,442 |
| Return on Equity (ROE) | 8.1288% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.1288% | 1,340 |
| Net charge-offs to loans | 0.0106% | 2,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 135.1793% | 587 |
| Efficiency ratio | 70.8702% | 1,985 |
| Assets per employee ($millions) | 5.6250% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,760 |
| Loan loss allowance to noncurrent loans | 235.1380% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 2,669 |
| Noncurrent loans to loans | 0.4103% | 3,079 |
| Net loans and leases to total assets | 76.9849% | 1,322 |
| Net loans and leases to deposits | 90.0298% | 1,691 |
| Net loans and leases to core deposits | 98.1298% | 1,818 |
| Total domestic deposits to total assets | 85.5105% | 2,202 |
| Equity capital to assets | 12.7488% | 1,755 |
| Core capital (leverage) ratio | 13.2702% | 1,227 |
| Tier 1 risk-based capital ratio | 16.6742% | 2,197 |
| Total risk-based capital ratio | 17.6432% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,154,819,250 | 687 |
| Average earning assets | $1,072,828,500 | 680 |
| Average equity | $145,422,500 | 640 |
| Average total loans | $918,300,500 | 629 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 2,516 |
| Cost of funding earning assets | 0.7720% | 2,792 |
| Net interest margin | 3.8794% | 2,305 |
| Noninterest income to average assets | 0.3318% | 3,723 |
| Noninterest expense to average assets | 2.8207% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8241% | 3,566 |
| Return on assets (ROA) | 1.0342% | 2,864 |
| Pretax return on assets | 1.3789% | 2,265 |
| Return on Equity (ROE) | 8.2478% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,297 |
| Net charge-offs to loans | 0.0115% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 120.3208% | 607 |
| Efficiency ratio | 71.7081% | 1,963 |
| Assets per employee ($millions) | 5.4364% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,814 |
| Loan loss allowance to noncurrent loans | 229.6948% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 2,623 |
| Noncurrent loans to loans | 0.4193% | 3,033 |
| Net loans and leases to total assets | 78.4944% | 1,124 |
| Net loans and leases to deposits | 91.6857% | 1,524 |
| Net loans and leases to core deposits | 98.9298% | 1,812 |
| Total domestic deposits to total assets | 85.6125% | 2,217 |
| Equity capital to assets | 12.6685% | 1,764 |
| Core capital (leverage) ratio | 13.1458% | 1,235 |
| Tier 1 risk-based capital ratio | 15.9652% | 2,431 |
| Total risk-based capital ratio | 16.9125% | 2,492 |
| Memoranda: | ||
| Average total assets | $1,146,009,670 | 688 |
| Average earning assets | $1,064,027,670 | 681 |
| Average equity | $143,698,330 | 644 |
| Average total loans | $918,319,670 | 625 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 2,571 |
| Cost of funding earning assets | 0.7433% | 2,816 |
| Net interest margin | 3.8452% | 2,365 |
| Noninterest income to average assets | 0.3260% | 3,673 |
| Noninterest expense to average assets | 2.8572% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7583% | 3,753 |
| Return on assets (ROA) | 1.1342% | 2,381 |
| Pretax return on assets | 1.5123% | 1,719 |
| Return on Equity (ROE) | 9.0937% | 2,772 |
| Retained earnings to average equity (ytd only) | 9.0937% | 1,292 |
| Net charge-offs to loans | 0.0240% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 53.5818% | 984 |
| Efficiency ratio | 73.3809% | 1,830 |
| Assets per employee ($millions) | 5.3598% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,910 |
| Loan loss allowance to noncurrent loans | 243.9406% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 2,767 |
| Noncurrent loans to loans | 0.3949% | 3,174 |
| Net loans and leases to total assets | 79.5765% | 892 |
| Net loans and leases to deposits | 92.7569% | 1,310 |
| Net loans and leases to core deposits | 99.4033% | 1,673 |
| Total domestic deposits to total assets | 85.7903% | 2,368 |
| Equity capital to assets | 12.5420% | 1,712 |
| Core capital (leverage) ratio | 13.1506% | 1,203 |
| Tier 1 risk-based capital ratio | 15.7430% | 2,553 |
| Total risk-based capital ratio | 16.6929% | 2,588 |
| Memoranda: | ||
| Average total assets | $1,137,324,000 | 697 |
| Average earning assets | $1,055,226,000 | 688 |
| Average equity | $141,856,000 | 646 |
| Average total loans | $916,445,000 | 632 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 2,664 |
| Cost of funding earning assets | 0.5694% | 2,928 |
| Net interest margin | 3.8594% | 2,468 |
| Noninterest income to average assets | 0.3709% | 3,614 |
| Noninterest expense to average assets | 2.8336% | 2,569 |
| Loan and lease loss provision to assets | 0.1227% | 1,801 |
| Net operating income to assets | 0.7511% | 3,967 |
| Return on assets (ROA) | 0.7808% | 3,877 |
| Pretax return on assets | 1.0231% | 3,533 |
| Return on Equity (ROE) | 6.4661% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.4661% | 1,943 |
| Net charge-offs to loans | 0.0645% | 2,199 |
| Credit loss provision to net charge-offs | 237.4784% | 1,244 |
| Earnings coverage of net charge-offs (x) | 21.4542% | 1,943 |
| Efficiency ratio | 71.8870% | 1,918 |
| Assets per employee ($millions) | 5.2206% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 3,804 |
| Loan loss allowance to noncurrent loans | 1,032.7168% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 3,783 |
| Noncurrent loans to loans | 0.0949% | 4,319 |
| Net loans and leases to total assets | 80.0195% | 940 |
| Net loans and leases to deposits | 93.2388% | 1,370 |
| Net loans and leases to core deposits | 99.4313% | 1,762 |
| Total domestic deposits to total assets | 85.8221% | 2,317 |
| Equity capital to assets | 12.4024% | 1,632 |
| Core capital (leverage) ratio | 12.7163% | 1,365 |
| Tier 1 risk-based capital ratio | 13.9177% | 3,322 |
| Total risk-based capital ratio | 14.9900% | 3,342 |
| Memoranda: | ||
| Average total assets | $1,120,960,800 | 687 |
| Average earning assets | $1,037,146,800 | 678 |
| Average equity | $135,367,000 | 640 |
| Average total loans | $897,728,400 | 615 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,732 |
| Cost of funding earning assets | 0.5362% | 2,957 |
| Net interest margin | 3.8326% | 2,515 |
| Noninterest income to average assets | 0.3769% | 3,621 |
| Noninterest expense to average assets | 2.7553% | 2,791 |
| Loan and lease loss provision to assets | 0.0923% | 2,132 |
| Net operating income to assets | 0.8040% | 3,886 |
| Return on assets (ROA) | 0.8304% | 3,819 |
| Pretax return on assets | 1.1072% | 3,370 |
| Return on Equity (ROE) | 6.9235% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.9235% | 2,168 |
| Net charge-offs to loans | 0.0787% | 1,734 |
| Credit loss provision to net charge-offs | 146.7803% | 1,742 |
| Earnings coverage of net charge-offs (x) | 18.5417% | 2,046 |
| Efficiency ratio | 70.2612% | 2,154 |
| Assets per employee ($millions) | 5.1962% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,153 |
| Loan loss allowance to noncurrent loans | 805.3794% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 3,818 |
| Noncurrent loans to loans | 0.1150% | 4,376 |
| Net loans and leases to total assets | 80.6337% | 925 |
| Net loans and leases to deposits | 94.0457% | 1,375 |
| Net loans and leases to core deposits | 100.4448% | 1,745 |
| Total domestic deposits to total assets | 85.7388% | 2,307 |
| Equity capital to assets | 12.3720% | 1,662 |
| Core capital (leverage) ratio | 12.6674% | 1,432 |
| Tier 1 risk-based capital ratio | 13.6117% | 3,568 |
| Total risk-based capital ratio | 14.6909% | 3,575 |
| Memoranda: | ||
| Average total assets | $1,119,287,750 | 682 |
| Average earning assets | $1,035,157,500 | 679 |
| Average equity | $134,244,750 | 639 |
| Average total loans | $894,341,750 | 613 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,822 |
| Cost of funding earning assets | 0.5010% | 3,004 |
| Net interest margin | 3.7825% | 2,627 |
| Noninterest income to average assets | 0.3853% | 3,583 |
| Noninterest expense to average assets | 2.7716% | 2,759 |
| Loan and lease loss provision to assets | 0.1204% | 1,639 |
| Net operating income to assets | 0.7398% | 4,070 |
| Return on assets (ROA) | 0.7790% | 3,929 |
| Pretax return on assets | 1.0386% | 3,544 |
| Return on Equity (ROE) | 6.5633% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.5633% | 2,274 |
| Net charge-offs to loans | 0.0519% | 1,861 |
| Credit loss provision to net charge-offs | 292.2078% | 1,021 |
| Earnings coverage of net charge-offs (x) | 26.9351% | 1,585 |
| Efficiency ratio | 71.4154% | 2,100 |
| Assets per employee ($millions) | 5.2536% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,168 |
| Loan loss allowance to noncurrent loans | 624.5269% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 3,772 |
| Noncurrent loans to loans | 0.1502% | 4,230 |
| Net loans and leases to total assets | 79.8713% | 1,044 |
| Net loans and leases to deposits | 93.4474% | 1,424 |
| Net loans and leases to core deposits | 99.4254% | 1,778 |
| Total domestic deposits to total assets | 85.4719% | 2,508 |
| Equity capital to assets | 11.8620% | 1,948 |
| Core capital (leverage) ratio | 12.2953% | 1,545 |
| Tier 1 risk-based capital ratio | 13.3239% | 3,720 |
| Total risk-based capital ratio | 14.3875% | 3,742 |
| Memoranda: | ||
| Average total assets | $1,121,721,670 | 682 |
| Average earning assets | $1,036,677,330 | 680 |
| Average equity | $133,134,670 | 642 |
| Average total loans | $890,782,670 | 615 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,940 |
| Cost of funding earning assets | 0.4795% | 2,969 |
| Net interest margin | 3.7018% | 2,787 |
| Noninterest income to average assets | 0.3522% | 3,788 |
| Noninterest expense to average assets | 2.7909% | 2,720 |
| Loan and lease loss provision to assets | 0.0359% | 3,027 |
| Net operating income to assets | 0.7048% | 4,081 |
| Return on assets (ROA) | 0.7048% | 4,088 |
| Pretax return on assets | 0.9397% | 3,729 |
| Return on Equity (ROE) | 5.9366% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,735 |
| Net charge-offs to loans | 0.0901% | 1,258 |
| Credit loss provision to net charge-offs | 50.5051% | 1,941 |
| Earnings coverage of net charge-offs (x) | 13.7374% | 1,741 |
| Efficiency ratio | 74.0977% | 1,889 |
| Assets per employee ($millions) | 5.2953% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,395 |
| Loan loss allowance to noncurrent loans | 462.8094% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,642 |
| Noncurrent loans to loans | 0.1969% | 4,082 |
| Net loans and leases to total assets | 77.8513% | 1,266 |
| Net loans and leases to deposits | 90.1140% | 1,679 |
| Net loans and leases to core deposits | 95.5720% | 2,009 |
| Total domestic deposits to total assets | 86.3920% | 2,364 |
| Equity capital to assets | 11.8343% | 1,892 |
| Core capital (leverage) ratio | 12.2919% | 1,481 |
| Tier 1 risk-based capital ratio | 13.6758% | 3,560 |
| Total risk-based capital ratio | 14.7540% | 3,561 |
| Memoranda: | ||
| Average total assets | $1,115,197,000 | 687 |
| Average earning assets | $1,028,577,000 | 686 |
| Average equity | $132,399,000 | 644 |
| Average total loans | $878,705,500 | 628 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 3,403 |
| Cost of funding earning assets | 0.4815% | 2,490 |
| Net interest margin | 3.5190% | 3,467 |
| Noninterest income to average assets | 1.4986% | 469 |
| Noninterest expense to average assets | 3.0140% | 2,138 |
| Loan and lease loss provision to assets | 0.2542% | 726 |
| Net operating income to assets | 0.9751% | 2,346 |
| Return on assets (ROA) | 0.9761% | 2,386 |
| Pretax return on assets | 1.4881% | 1,690 |
| Return on Equity (ROE) | 8.3594% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.3594% | 655 |
| Net charge-offs to loans | 0.2620% | 993 |
| Credit loss provision to net charge-offs | 126.3538% | 2,084 |
| Earnings coverage of net charge-offs (x) | 8.6543% | 2,882 |
| Efficiency ratio | 63.3882% | 3,697 |
| Assets per employee ($millions) | 5.2502% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,320 |
| Loan loss allowance to noncurrent loans | 446.3522% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 3,612 |
| Noncurrent loans to loans | 0.2082% | 4,078 |
| Net loans and leases to total assets | 78.2886% | 1,251 |
| Net loans and leases to deposits | 90.7903% | 1,680 |
| Net loans and leases to core deposits | 96.4778% | 1,985 |
| Total domestic deposits to total assets | 86.2301% | 2,335 |
| Equity capital to assets | 11.9107% | 1,900 |
| Core capital (leverage) ratio | 12.0669% | 1,568 |
| Tier 1 risk-based capital ratio | 13.4313% | 3,670 |
| Total risk-based capital ratio | 14.5272% | 3,671 |
| Memoranda: | ||
| Average total assets | $1,101,659,200 | 676 |
| Average earning assets | $1,019,401,200 | 668 |
| Average equity | $128,633,800 | 640 |
| Average total loans | $845,881,800 | 621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,532 |
| Cost of funding earning assets | 0.4854% | 2,388 |
| Net interest margin | 3.4604% | 3,638 |
| Noninterest income to average assets | 1.8819% | 339 |
| Noninterest expense to average assets | 3.0963% | 1,809 |
| Loan and lease loss provision to assets | 0.1212% | 1,786 |
| Net operating income to assets | 1.2668% | 1,450 |
| Return on assets (ROA) | 1.2648% | 1,485 |
| Pretax return on assets | 1.8669% | 752 |
| Return on Equity (ROE) | 10.8871% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.8871% | 428 |
| Net charge-offs to loans | 0.1463% | 1,369 |
| Credit loss provision to net charge-offs | 108.6957% | 2,155 |
| Earnings coverage of net charge-offs (x) | 17.8565% | 2,085 |
| Efficiency ratio | 60.8634% | 4,064 |
| Assets per employee ($millions) | 5.4697% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,617 |
| Loan loss allowance to noncurrent loans | 165.1450% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 3,377 |
| Noncurrent loans to loans | 0.5372% | 3,091 |
| Net loans and leases to total assets | 76.0476% | 1,587 |
| Net loans and leases to deposits | 89.7164% | 1,844 |
| Net loans and leases to core deposits | 95.2761% | 2,151 |
| Total domestic deposits to total assets | 84.7644% | 2,813 |
| Equity capital to assets | 11.8191% | 2,096 |
| Core capital (leverage) ratio | 12.1632% | 1,591 |
| Tier 1 risk-based capital ratio | 13.5609% | 3,668 |
| Total risk-based capital ratio | 14.5887% | 3,713 |
| Memoranda: | ||
| Average total assets | $1,100,127,500 | 677 |
| Average earning assets | $1,019,034,500 | 669 |
| Average equity | $127,806,000 | 649 |
| Average total loans | $838,500,500 | 629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 3,604 |
| Cost of funding earning assets | 0.4781% | 2,341 |
| Net interest margin | 3.4064% | 3,753 |
| Noninterest income to average assets | 2.6628% | 209 |
| Noninterest expense to average assets | 3.3526% | 1,270 |
| Loan and lease loss provision to assets | 0.1464% | 1,390 |
| Net operating income to assets | 1.5736% | 748 |
| Return on assets (ROA) | 1.5699% | 775 |
| Pretax return on assets | 2.3135% | 287 |
| Return on Equity (ROE) | 13.5940% | 890 |
| Retained earnings to average equity (ytd only) | 13.5940% | 213 |
| Net charge-offs to loans | 0.0065% | 3,223 |
| Credit loss provision to net charge-offs | 2,962.9630% | 147 |
| Earnings coverage of net charge-offs (x) | 499.0370% | 168 |
| Efficiency ratio | 57.6249% | 4,646 |
| Assets per employee ($millions) | 5.3748% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 4,191 |
| Loan loss allowance to noncurrent loans | 142.0334% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,008 |
| Noncurrent loans to loans | 0.6987% | 2,654 |
| Net loans and leases to total assets | 74.6609% | 1,758 |
| Net loans and leases to deposits | 87.9474% | 1,993 |
| Net loans and leases to core deposits | 93.0729% | 2,240 |
| Total domestic deposits to total assets | 84.8927% | 2,851 |
| Equity capital to assets | 11.6987% | 2,153 |
| Core capital (leverage) ratio | 11.9325% | 1,669 |
| Tier 1 risk-based capital ratio | 13.9734% | 3,439 |
| Total risk-based capital ratio | 15.0857% | 3,436 |
| Memoranda: | ||
| Average total assets | $1,093,072,000 | 682 |
| Average earning assets | $1,012,441,330 | 676 |
| Average equity | $126,232,330 | 660 |
| Average total loans | $831,217,330 | 635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,634 |
| Cost of funding earning assets | 0.4596% | 2,438 |
| Net interest margin | 3.3775% | 3,726 |
| Noninterest income to average assets | 4.7960% | 122 |
| Noninterest expense to average assets | 4.1044% | 478 |
| Loan and lease loss provision to assets | 0.0923% | 1,999 |
| Net operating income to assets | 2.4587% | 147 |
| Return on assets (ROA) | 2.4514% | 151 |
| Pretax return on assets | 3.7167% | 93 |
| Return on Equity (ROE) | 21.3697% | 179 |
| Retained earnings to average equity (ytd only) | 21.3697% | 89 |
| Net charge-offs to loans | 0.0140% | 2,522 |
| Credit loss provision to net charge-offs | 862.0690% | 364 |
| Earnings coverage of net charge-offs (x) | 356.7586% | 167 |
| Efficiency ratio | 51.7939% | 5,274 |
| Assets per employee ($millions) | 5.4602% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,632 |
| Loan loss allowance to noncurrent loans | 127.5262% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 3,023 |
| Noncurrent loans to loans | 0.7307% | 2,671 |
| Net loans and leases to total assets | 74.9386% | 1,592 |
| Net loans and leases to deposits | 88.4130% | 1,743 |
| Net loans and leases to core deposits | 92.6719% | 2,105 |
| Total domestic deposits to total assets | 84.7597% | 3,184 |
| Equity capital to assets | 11.5811% | 2,128 |
| Core capital (leverage) ratio | 12.0540% | 1,592 |
| Tier 1 risk-based capital ratio | 14.1674% | 3,378 |
| Total risk-based capital ratio | 15.2376% | 3,400 |
| Memoranda: | ||
| Average total assets | $1,083,313,500 | 694 |
| Average earning assets | $1,003,476,000 | 688 |
| Average equity | $124,269,500 | 662 |
| Average total loans | $827,328,500 | 640 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 3,789 |
| Cost of funding earning assets | 0.4129% | 2,881 |
| Net interest margin | 3.4222% | 3,740 |
| Noninterest income to average assets | 0.4076% | 3,819 |
| Noninterest expense to average assets | 2.7387% | 3,231 |
| Loan and lease loss provision to assets | 0.0952% | 2,461 |
| Net operating income to assets | 0.4881% | 4,677 |
| Return on assets (ROA) | 0.5154% | 4,653 |
| Pretax return on assets | 0.7849% | 4,230 |
| Return on Equity (ROE) | 4.4850% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.4850% | 2,720 |
| Net charge-offs to loans | 0.0260% | 3,517 |
| Credit loss provision to net charge-offs | 485.2217% | 680 |
| Earnings coverage of net charge-offs (x) | 42.7685% | 1,127 |
| Efficiency ratio | 76.5529% | 1,912 |
| Assets per employee ($millions) | 4.9704% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,696 |
| Loan loss allowance to noncurrent loans | 124.8843% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 3,031 |
| Noncurrent loans to loans | 0.7373% | 2,687 |
| Net loans and leases to total assets | 76.4137% | 1,451 |
| Net loans and leases to deposits | 89.8153% | 1,710 |
| Net loans and leases to core deposits | 94.1524% | 2,089 |
| Total domestic deposits to total assets | 85.0787% | 3,013 |
| Equity capital to assets | 11.3573% | 2,286 |
| Core capital (leverage) ratio | 11.7685% | 1,743 |
| Tier 1 risk-based capital ratio | 13.3306% | 3,880 |
| Total risk-based capital ratio | 14.3537% | 3,919 |
| Memoranda: | ||
| Average total assets | $1,035,016,400 | 694 |
| Average earning assets | $958,719,800 | 688 |
| Average equity | $118,930,600 | 670 |
| Average total loans | $780,942,800 | 641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 3,837 |
| Cost of funding earning assets | 0.4105% | 2,924 |
| Net interest margin | 3.4186% | 3,779 |
| Noninterest income to average assets | 0.4073% | 3,873 |
| Noninterest expense to average assets | 2.7200% | 3,293 |
| Loan and lease loss provision to assets | 0.0240% | 3,767 |
| Net operating income to assets | 0.5433% | 4,521 |
| Return on assets (ROA) | 0.5798% | 4,485 |
| Pretax return on assets | 0.8852% | 4,029 |
| Return on Equity (ROE) | 5.0310% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.0310% | 2,807 |
| Net charge-offs to loans | 0.0337% | 2,965 |
| Credit loss provision to net charge-offs | 94.8718% | 2,460 |
| Earnings coverage of net charge-offs (x) | 33.7543% | 1,384 |
| Efficiency ratio | 76.1098% | 1,963 |
| Assets per employee ($millions) | 4.8157% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 5,053 |
| Loan loss allowance to noncurrent loans | 125.0879% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 3,364 |
| Noncurrent loans to loans | 0.6772% | 2,995 |
| Net loans and leases to total assets | 76.4323% | 1,454 |
| Net loans and leases to deposits | 90.0456% | 1,746 |
| Net loans and leases to core deposits | 94.6232% | 2,139 |
| Total domestic deposits to total assets | 84.8817% | 2,860 |
| Equity capital to assets | 11.7057% | 2,350 |
| Core capital (leverage) ratio | 11.9339% | 1,722 |
| Tier 1 risk-based capital ratio | 13.5465% | 3,833 |
| Total risk-based capital ratio | 14.4767% | 3,930 |
| Memoranda: | ||
| Average total assets | $1,027,852,250 | 699 |
| Average earning assets | $952,072,750 | 696 |
| Average equity | $118,462,000 | 677 |
| Average total loans | $771,092,250 | 645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 3,905 |
| Cost of funding earning assets | 0.4066% | 2,970 |
| Net interest margin | 3.4079% | 3,861 |
| Noninterest income to average assets | 0.4213% | 3,726 |
| Noninterest expense to average assets | 2.7267% | 3,285 |
| Loan and lease loss provision to assets | 0.0361% | 3,435 |
| Net operating income to assets | 0.5338% | 4,547 |
| Return on assets (ROA) | 0.5625% | 4,550 |
| Pretax return on assets | 0.8588% | 4,087 |
| Return on Equity (ROE) | 4.9069% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.9069% | 2,791 |
| Net charge-offs to loans | -0.0008% | 4,313 |
| Credit loss provision to net charge-offs | -6,166.6667% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2048% | 2,051 |
| Assets per employee ($millions) | 4.9919% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,958 |
| Loan loss allowance to noncurrent loans | 258.1231% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,456 |
| Noncurrent loans to loans | 0.3487% | 4,122 |
| Net loans and leases to total assets | 74.1508% | 1,811 |
| Net loans and leases to deposits | 87.2059% | 2,109 |
| Net loans and leases to core deposits | 91.5378% | 2,382 |
| Total domestic deposits to total assets | 85.0296% | 2,869 |
| Equity capital to assets | 11.5864% | 2,460 |
| Core capital (leverage) ratio | 11.7076% | 1,842 |
| Tier 1 risk-based capital ratio | 14.2439% | 3,474 |
| Total risk-based capital ratio | 15.2448% | 3,525 |
| Memoranda: | ||
| Average total assets | $1,025,342,000 | 701 |
| Average earning assets | $949,807,000 | 698 |
| Average equity | $117,549,670 | 684 |
| Average total loans | $762,080,330 | 652 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 3,948 |
| Cost of funding earning assets | 0.3978% | 3,095 |
| Net interest margin | 3.4005% | 3,865 |
| Noninterest income to average assets | 0.4222% | 3,669 |
| Noninterest expense to average assets | 2.6945% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5792% | 4,275 |
| Return on assets (ROA) | 0.5792% | 4,389 |
| Pretax return on assets | 0.8843% | 3,914 |
| Return on Equity (ROE) | 5.0797% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,888 |
| Net charge-offs to loans | 0.0217% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 55.0732% | 824 |
| Efficiency ratio | 75.2900% | 2,280 |
| Assets per employee ($millions) | 5.0632% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 5,101 |
| Loan loss allowance to noncurrent loans | 261.0551% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,554 |
| Noncurrent loans to loans | 0.3397% | 4,223 |
| Net loans and leases to total assets | 73.1800% | 1,858 |
| Net loans and leases to deposits | 85.8505% | 2,074 |
| Net loans and leases to core deposits | 89.6731% | 2,405 |
| Total domestic deposits to total assets | 85.2413% | 3,023 |
| Equity capital to assets | 11.4521% | 2,480 |
| Core capital (leverage) ratio | 11.7826% | 1,769 |
| Tier 1 risk-based capital ratio | 14.5635% | 3,363 |
| Total risk-based capital ratio | 15.5528% | 3,426 |
| Memoranda: | ||
| Average total assets | $1,021,354,000 | 707 |
| Average earning assets | $948,107,500 | 699 |
| Average equity | $116,462,500 | 688 |
| Average total loans | $756,534,000 | 658 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,256 |
| Cost of funding earning assets | 0.4213% | 2,925 |
| Net interest margin | 3.3134% | 4,241 |
| Noninterest income to average assets | 0.4008% | 4,032 |
| Noninterest expense to average assets | 2.7488% | 3,414 |
| Loan and lease loss provision to assets | 0.1704% | 1,345 |
| Net operating income to assets | 0.3629% | 5,167 |
| Return on assets (ROA) | 0.4634% | 4,913 |
| Pretax return on assets | 0.6916% | 4,550 |
| Return on Equity (ROE) | 3.9803% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.9803% | 3,197 |
| Net charge-offs to loans | 0.1712% | 1,662 |
| Credit loss provision to net charge-offs | 137.1711% | 1,910 |
| Earnings coverage of net charge-offs (x) | 5.7319% | 3,333 |
| Efficiency ratio | 79.4250% | 1,757 |
| Assets per employee ($millions) | 4.9506% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 5,091 |
| Loan loss allowance to noncurrent loans | 258.2380% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 4,085 |
| Noncurrent loans to loans | 0.3477% | 4,222 |
| Net loans and leases to total assets | 73.6444% | 1,784 |
| Net loans and leases to deposits | 86.3316% | 2,087 |
| Net loans and leases to core deposits | 90.0506% | 2,400 |
| Total domestic deposits to total assets | 85.3041% | 2,949 |
| Equity capital to assets | 11.3528% | 2,497 |
| Core capital (leverage) ratio | 11.7420% | 1,790 |
| Tier 1 risk-based capital ratio | 14.4647% | 3,463 |
| Total risk-based capital ratio | 15.4591% | 3,516 |
| Memoranda: | ||
| Average total assets | $978,826,400 | 708 |
| Average earning assets | $904,003,200 | 694 |
| Average equity | $113,960,600 | 674 |
| Average total loans | $710,112,400 | 651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,405 |
| Cost of funding earning assets | 0.4269% | 2,940 |
| Net interest margin | 3.2775% | 4,434 |
| Noninterest income to average assets | 0.4329% | 3,847 |
| Noninterest expense to average assets | 2.7957% | 3,203 |
| Loan and lease loss provision to assets | 0.1519% | 1,434 |
| Net operating income to assets | 0.3412% | 5,342 |
| Return on assets (ROA) | 0.4431% | 5,086 |
| Pretax return on assets | 0.6614% | 4,803 |
| Return on Equity (ROE) | 3.7812% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.7812% | 3,780 |
| Net charge-offs to loans | 0.2331% | 1,130 |
| Credit loss provision to net charge-offs | 90.4255% | 2,466 |
| Earnings coverage of net charge-offs (x) | 3.9362% | 3,431 |
| Efficiency ratio | 80.8709% | 1,536 |
| Assets per employee ($millions) | 4.8097% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 5,398 |
| Loan loss allowance to noncurrent loans | 386.4174% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 4,617 |
| Noncurrent loans to loans | 0.2179% | 4,782 |
| Net loans and leases to total assets | 73.6988% | 1,788 |
| Net loans and leases to deposits | 86.6725% | 2,071 |
| Net loans and leases to core deposits | 90.5199% | 2,414 |
| Total domestic deposits to total assets | 85.0314% | 2,990 |
| Equity capital to assets | 11.5994% | 2,419 |
| Core capital (leverage) ratio | 11.9037% | 1,738 |
| Tier 1 risk-based capital ratio | 14.2119% | 3,719 |
| Total risk-based capital ratio | 15.1106% | 3,874 |
| Memoranda: | ||
| Average total assets | $969,813,750 | 722 |
| Average earning assets | $894,793,250 | 708 |
| Average equity | $113,646,500 | 682 |
| Average total loans | $699,097,750 | 664 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,552 |
| Cost of funding earning assets | 0.4318% | 2,920 |
| Net interest margin | 3.2249% | 4,581 |
| Noninterest income to average assets | 0.4400% | 3,773 |
| Noninterest expense to average assets | 2.8489% | 3,071 |
| Loan and lease loss provision to assets | 0.1674% | 1,250 |
| Net operating income to assets | 0.2684% | 5,533 |
| Return on assets (ROA) | 0.3822% | 5,307 |
| Pretax return on assets | 0.5621% | 5,068 |
| Return on Equity (ROE) | 3.2503% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.2503% | 3,979 |
| Net charge-offs to loans | 0.3312% | 795 |
| Credit loss provision to net charge-offs | 70.8883% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.3799% | 3,352 |
| Efficiency ratio | 83.5211% | 1,312 |
| Assets per employee ($millions) | 4.6161% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 5,466 |
| Loan loss allowance to noncurrent loans | 193.5984% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 4,602 |
| Noncurrent loans to loans | 0.4398% | 4,163 |
| Net loans and leases to total assets | 71.9309% | 1,991 |
| Net loans and leases to deposits | 84.7115% | 2,220 |
| Net loans and leases to core deposits | 89.0004% | 2,453 |
| Total domestic deposits to total assets | 84.9127% | 3,151 |
| Equity capital to assets | 11.7038% | 2,244 |
| Core capital (leverage) ratio | 11.7829% | 1,784 |
| Tier 1 risk-based capital ratio | 14.6306% | 3,562 |
| Total risk-based capital ratio | 15.6070% | 3,648 |
| Memoranda: | ||
| Average total assets | $962,816,000 | 729 |
| Average earning assets | $887,032,670 | 721 |
| Average equity | $113,219,330 | 688 |
| Average total loans | $686,658,670 | 675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,645 |
| Cost of funding earning assets | 0.4294% | 2,981 |
| Net interest margin | 3.1842% | 4,665 |
| Noninterest income to average assets | 0.4110% | 3,914 |
| Noninterest expense to average assets | 2.8389% | 3,107 |
| Loan and lease loss provision to assets | 0.2084% | 862 |
| Net operating income to assets | 0.1948% | 5,694 |
| Return on assets (ROA) | 0.3889% | 5,229 |
| Pretax return on assets | 0.5807% | 4,969 |
| Return on Equity (ROE) | 3.2997% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.2997% | 4,001 |
| Net charge-offs to loans | 0.0106% | 2,978 |
| Credit loss provision to net charge-offs | 2,777.7778% | 142 |
| Earnings coverage of net charge-offs (x) | 66.5556% | 670 |
| Efficiency ratio | 85.0400% | 1,266 |
| Assets per employee ($millions) | 4.7125% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 5,100 |
| Loan loss allowance to noncurrent loans | 149.9669% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 3,005 |
| Noncurrent loans to loans | 0.6582% | 3,628 |
| Net loans and leases to total assets | 70.2785% | 2,102 |
| Net loans and leases to deposits | 82.7014% | 2,246 |
| Net loans and leases to core deposits | 86.9137% | 2,443 |
| Total domestic deposits to total assets | 84.9786% | 3,418 |
| Equity capital to assets | 11.6972% | 2,293 |
| Core capital (leverage) ratio | 11.9177% | 1,691 |
| Tier 1 risk-based capital ratio | 15.0899% | 3,388 |
| Total risk-based capital ratio | 16.2269% | 3,375 |
| Memoranda: | ||
| Average total assets | $959,531,500 | 725 |
| Average earning assets | $882,108,500 | 725 |
| Average equity | $113,101,500 | 683 |
| Average total loans | $678,350,500 | 685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 5,232 |
| Cost of funding earning assets | 0.4522% | 3,147 |
| Net interest margin | 3.0858% | 5,242 |
| Noninterest income to average assets | 0.4468% | 3,854 |
| Noninterest expense to average assets | 2.6479% | 4,061 |
| Loan and lease loss provision to assets | 0.1225% | 2,141 |
| Net operating income to assets | 0.3569% | 5,359 |
| Return on assets (ROA) | 0.4411% | 5,148 |
| Pretax return on assets | 0.6493% | 4,788 |
| Return on Equity (ROE) | 3.6921% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.6921% | 3,587 |
| Net charge-offs to loans | 0.1425% | 2,608 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.6130% | 3,165 |
| Efficiency ratio | 80.3438% | 1,877 |
| Assets per employee ($millions) | 4.5601% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 5,513 |
| Loan loss allowance to noncurrent loans | 114.8206% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 2,924 |
| Noncurrent loans to loans | 0.7721% | 3,382 |
| Net loans and leases to total assets | 69.7666% | 2,269 |
| Net loans and leases to deposits | 82.3903% | 2,423 |
| Net loans and leases to core deposits | 86.7708% | 2,625 |
| Total domestic deposits to total assets | 84.6782% | 3,427 |
| Equity capital to assets | 11.9066% | 2,080 |
| Core capital (leverage) ratio | 11.9783% | 1,635 |
| Tier 1 risk-based capital ratio | 15.6855% | 3,133 |
| Total risk-based capital ratio | 16.8124% | 3,136 |
| Memoranda: | ||
| Average total assets | $939,151,000 | 711 |
| Average earning assets | $867,073,600 | 708 |
| Average equity | $112,212,800 | 652 |
| Average total loans | $645,428,000 | 671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 5,385 |
| Cost of funding earning assets | 0.4534% | 3,205 |
| Net interest margin | 3.0506% | 5,380 |
| Noninterest income to average assets | 0.4268% | 4,047 |
| Noninterest expense to average assets | 2.6101% | 4,166 |
| Loan and lease loss provision to assets | 0.1850% | 1,324 |
| Net operating income to assets | 0.3207% | 5,524 |
| Return on assets (ROA) | 0.4388% | 5,190 |
| Pretax return on assets | 0.6180% | 4,972 |
| Return on Equity (ROE) | 3.6691% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.6691% | 4,032 |
| Net charge-offs to loans | 0.1371% | 2,423 |
| Credit loss provision to net charge-offs | 197.5684% | 1,279 |
| Earnings coverage of net charge-offs (x) | 6.7979% | 3,028 |
| Efficiency ratio | 80.3919% | 1,856 |
| Assets per employee ($millions) | 4.5629% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 5,373 |
| Loan loss allowance to noncurrent loans | 86.5245% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 3,507 |
| Noncurrent loans to loans | 1.1136% | 2,842 |
| Net loans and leases to total assets | 68.5642% | 2,455 |
| Net loans and leases to deposits | 80.6932% | 2,591 |
| Net loans and leases to core deposits | 85.0051% | 2,773 |
| Total domestic deposits to total assets | 84.9690% | 3,347 |
| Equity capital to assets | 12.0709% | 1,999 |
| Core capital (leverage) ratio | 11.9468% | 1,728 |
| Tier 1 risk-based capital ratio | 16.1462% | 2,987 |
| Total risk-based capital ratio | 17.3357% | 2,968 |
| Memoranda: | ||
| Average total assets | $936,812,750 | 717 |
| Average earning assets | $865,945,500 | 712 |
| Average equity | $112,032,250 | 654 |
| Average total loans | $639,870,500 | 675 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 5,420 |
| Cost of funding earning assets | 0.4562% | 3,250 |
| Net interest margin | 3.0386% | 5,423 |
| Noninterest income to average assets | 0.4149% | 4,133 |
| Noninterest expense to average assets | 2.6748% | 3,959 |
| Loan and lease loss provision to assets | 0.1501% | 1,644 |
| Net operating income to assets | 0.2814% | 5,630 |
| Return on assets (ROA) | 0.3697% | 5,399 |
| Pretax return on assets | 0.5206% | 5,221 |
| Return on Equity (ROE) | 3.1010% | 5,492 |
| Retained earnings to average equity (ytd only) | 3.1010% | 4,230 |
| Net charge-offs to loans | 0.2094% | 1,768 |
| Credit loss provision to net charge-offs | 105.4217% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.8373% | 3,212 |
| Efficiency ratio | 83.0382% | 1,622 |
| Assets per employee ($millions) | 4.6259% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 5,777 |
| Loan loss allowance to noncurrent loans | 68.8763% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 3,333 |
| Noncurrent loans to loans | 1.2803% | 2,665 |
| Net loans and leases to total assets | 68.5230% | 2,324 |
| Net loans and leases to deposits | 80.7109% | 2,419 |
| Net loans and leases to core deposits | 84.6463% | 2,670 |
| Total domestic deposits to total assets | 84.8993% | 3,564 |
| Equity capital to assets | 12.1292% | 1,899 |
| Core capital (leverage) ratio | 11.8403% | 1,760 |
| Tier 1 risk-based capital ratio | 16.0302% | 3,070 |
| Total risk-based capital ratio | 17.1884% | 3,065 |
| Memoranda: | ||
| Average total assets | $932,720,330 | 718 |
| Average earning assets | $861,378,000 | 704 |
| Average equity | $111,188,330 | 650 |
| Average total loans | $634,138,330 | 676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 5,524 |
| Cost of funding earning assets | 0.4547% | 3,383 |
| Net interest margin | 3.0049% | 5,510 |
| Noninterest income to average assets | 0.3924% | 4,254 |
| Noninterest expense to average assets | 2.7054% | 3,917 |
| Loan and lease loss provision to assets | 0.1721% | 1,404 |
| Net operating income to assets | 0.2044% | 5,787 |
| Return on assets (ROA) | 0.2896% | 5,577 |
| Pretax return on assets | 0.4079% | 5,428 |
| Return on Equity (ROE) | 2.4510% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.4510% | 4,600 |
| Net charge-offs to loans | 0.0555% | 2,607 |
| Credit loss provision to net charge-offs | 459.7701% | 583 |
| Earnings coverage of net charge-offs (x) | 12.2874% | 1,727 |
| Efficiency ratio | 85.4676% | 1,502 |
| Assets per employee ($millions) | 4.6064% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,719 |
| Loan loss allowance to noncurrent loans | 46.7628% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 2,587 |
| Noncurrent loans to loans | 2.0228% | 1,844 |
| Net loans and leases to total assets | 66.8848% | 2,413 |
| Net loans and leases to deposits | 78.5285% | 2,483 |
| Net loans and leases to core deposits | 82.5334% | 2,688 |
| Total domestic deposits to total assets | 85.1727% | 3,790 |
| Equity capital to assets | 11.8145% | 2,004 |
| Core capital (leverage) ratio | 11.7739% | 1,781 |
| Tier 1 risk-based capital ratio | 16.3466% | 2,978 |
| Total risk-based capital ratio | 17.5465% | 2,976 |
| Memoranda: | ||
| Average total assets | $929,548,500 | 729 |
| Average earning assets | $857,792,500 | 716 |
| Average equity | $109,832,000 | 656 |
| Average total loans | $626,607,500 | 683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 5,864 |
| Cost of funding earning assets | 0.4993% | 3,620 |
| Net interest margin | 2.8889% | 5,809 |
| Noninterest income to average assets | 0.4631% | 4,008 |
| Noninterest expense to average assets | 2.7165% | 4,038 |
| Loan and lease loss provision to assets | 0.2056% | 1,801 |
| Net operating income to assets | 0.1496% | 5,943 |
| Return on assets (ROA) | 0.3372% | 5,490 |
| Pretax return on assets | 0.4619% | 5,316 |
| Return on Equity (ROE) | 2.8103% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.8103% | 4,245 |
| Net charge-offs to loans | 0.0742% | 4,173 |
| Credit loss provision to net charge-offs | 446.8599% | 512 |
| Earnings coverage of net charge-offs (x) | 8.9227% | 2,580 |
| Efficiency ratio | 86.8718% | 1,326 |
| Assets per employee ($millions) | 4.4849% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,863 |
| Loan loss allowance to noncurrent loans | 45.4067% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 2,709 |
| Noncurrent loans to loans | 2.0251% | 1,963 |
| Net loans and leases to total assets | 66.6749% | 2,580 |
| Net loans and leases to deposits | 78.4484% | 2,670 |
| Net loans and leases to core deposits | 82.8088% | 2,798 |
| Total domestic deposits to total assets | 84.9921% | 3,757 |
| Equity capital to assets | 11.8168% | 1,935 |
| Core capital (leverage) ratio | 11.8278% | 1,736 |
| Tier 1 risk-based capital ratio | 16.3144% | 2,960 |
| Total risk-based capital ratio | 17.5056% | 2,938 |
| Memoranda: | ||
| Average total assets | $899,827,800 | 733 |
| Average earning assets | $829,750,000 | 719 |
| Average equity | $107,961,800 | 656 |
| Average total loans | $557,945,200 | 751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,975 |
| Cost of funding earning assets | 0.5079% | 3,693 |
| Net interest margin | 2.8399% | 5,943 |
| Noninterest income to average assets | 0.4638% | 4,047 |
| Noninterest expense to average assets | 2.7134% | 3,973 |
| Loan and lease loss provision to assets | 0.2458% | 1,455 |
| Net operating income to assets | 0.0879% | 6,157 |
| Return on assets (ROA) | 0.3042% | 5,714 |
| Pretax return on assets | 0.4285% | 5,558 |
| Return on Equity (ROE) | 2.5258% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.5258% | 4,805 |
| Net charge-offs to loans | 0.1066% | 3,472 |
| Credit loss provision to net charge-offs | 380.1843% | 697 |
| Earnings coverage of net charge-offs (x) | 5.7166% | 3,119 |
| Efficiency ratio | 88.0110% | 1,175 |
| Assets per employee ($millions) | 4.6126% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 5,989 |
| Loan loss allowance to noncurrent loans | 43.0325% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 2,896 |
| Noncurrent loans to loans | 2.1491% | 2,068 |
| Net loans and leases to total assets | 63.5086% | 3,078 |
| Net loans and leases to deposits | 74.6841% | 3,130 |
| Net loans and leases to core deposits | 79.3513% | 3,195 |
| Total domestic deposits to total assets | 85.0363% | 3,734 |
| Equity capital to assets | 11.4815% | 2,317 |
| Core capital (leverage) ratio | 11.8006% | 1,816 |
| Tier 1 risk-based capital ratio | 17.1613% | 2,640 |
| Total risk-based capital ratio | 18.3465% | 2,631 |
| Memoranda: | ||
| Average total assets | $894,934,500 | 741 |
| Average earning assets | $825,405,750 | 727 |
| Average equity | $107,791,250 | 666 |
| Average total loans | $542,756,750 | 776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 6,069 |
| Cost of funding earning assets | 0.5126% | 3,783 |
| Net interest margin | 2.7977% | 6,003 |
| Noninterest income to average assets | 0.4602% | 4,091 |
| Noninterest expense to average assets | 2.7575% | 3,828 |
| Loan and lease loss provision to assets | 0.2371% | 1,566 |
| Net operating income to assets | 0.0321% | 6,262 |
| Return on assets (ROA) | 0.2594% | 5,876 |
| Pretax return on assets | 0.3653% | 5,717 |
| Return on Equity (ROE) | 2.1196% | 5,911 |
| Retained earnings to average equity (ytd only) | 2.1196% | 4,920 |
| Net charge-offs to loans | 0.0361% | 4,179 |
| Credit loss provision to net charge-offs | 1,105.2632% | 276 |
| Earnings coverage of net charge-offs (x) | 13.1579% | 1,922 |
| Efficiency ratio | 90.7146% | 1,007 |
| Assets per employee ($millions) | 4.5331% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 6,021 |
| Loan loss allowance to noncurrent loans | 46.1457% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 3,314 |
| Noncurrent loans to loans | 2.0400% | 2,354 |
| Net loans and leases to total assets | 59.2628% | 3,786 |
| Net loans and leases to deposits | 69.6086% | 3,770 |
| Net loans and leases to core deposits | 74.6262% | 3,713 |
| Total domestic deposits to total assets | 85.1371% | 3,830 |
| Equity capital to assets | 11.4251% | 2,359 |
| Core capital (leverage) ratio | 11.8287% | 1,711 |
| Tier 1 risk-based capital ratio | 17.8754% | 2,365 |
| Total risk-based capital ratio | 19.0694% | 2,351 |
| Memoranda: | ||
| Average total assets | $885,737,000 | 746 |
| Average earning assets | $816,680,330 | 740 |
| Average equity | $108,415,000 | 664 |
| Average total loans | $526,558,000 | 790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 6,045 |
| Cost of funding earning assets | 0.5036% | 4,049 |
| Net interest margin | 2.8449% | 5,929 |
| Noninterest income to average assets | 0.4904% | 3,841 |
| Noninterest expense to average assets | 2.8962% | 3,359 |
| Loan and lease loss provision to assets | 0.1154% | 2,791 |
| Net operating income to assets | 0.0715% | 6,204 |
| Return on assets (ROA) | 0.2498% | 5,849 |
| Pretax return on assets | 0.3519% | 5,710 |
| Return on Equity (ROE) | 1.9709% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.9709% | 5,015 |
| Net charge-offs to loans | 0.0171% | 3,813 |
| Credit loss provision to net charge-offs | 1,136.3636% | 281 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,163 |
| Efficiency ratio | 93.0564% | 905 |
| Assets per employee ($millions) | 4.4660% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 6,335 |
| Loan loss allowance to noncurrent loans | 62.4008% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 4,393 |
| Noncurrent loans to loans | 1.3874% | 3,483 |
| Net loans and leases to total assets | 56.5983% | 3,991 |
| Net loans and leases to deposits | 67.1100% | 3,899 |
| Net loans and leases to core deposits | 72.1200% | 3,804 |
| Total domestic deposits to total assets | 84.3365% | 4,340 |
| Equity capital to assets | 12.1214% | 1,957 |
| Core capital (leverage) ratio | 12.8923% | 1,156 |
| Tier 1 risk-based capital ratio | 18.9153% | 2,066 |
| Total risk-based capital ratio | 20.0827% | 2,063 |
| Memoranda: | ||
| Average total assets | $866,224,500 | 772 |
| Average earning assets | $798,330,000 | 769 |
| Average equity | $109,795,000 | 665 |
| Average total loans | $513,213,000 | 826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 5,842 |
| Cost of funding earning assets | 0.6062% | 4,280 |
| Net interest margin | 3.1852% | 5,603 |
| Noninterest income to average assets | 0.5226% | 3,758 |
| Noninterest expense to average assets | 2.8253% | 3,923 |
| Loan and lease loss provision to assets | 0.1012% | 4,375 |
| Net operating income to assets | 0.3701% | 5,220 |
| Return on assets (ROA) | 0.4434% | 5,161 |
| Pretax return on assets | 0.6150% | 4,951 |
| Return on Equity (ROE) | 3.2432% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.2432% | 3,937 |
| Net charge-offs to loans | 0.0050% | 5,902 |
| Credit loss provision to net charge-offs | 3,478.2609% | 69 |
| Earnings coverage of net charge-offs (x) | 211.2174% | 205 |
| Efficiency ratio | 82.1377% | 1,850 |
| Assets per employee ($millions) | 4.1500% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 6,418 |
| Loan loss allowance to noncurrent loans | 68.8633% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 4,604 |
| Noncurrent loans to loans | 1.2138% | 3,821 |
| Net loans and leases to total assets | 61.0974% | 3,400 |
| Net loans and leases to deposits | 73.8049% | 3,126 |
| Net loans and leases to core deposits | 79.5256% | 3,074 |
| Total domestic deposits to total assets | 82.7824% | 4,809 |
| Equity capital to assets | 13.2830% | 1,318 |
| Core capital (leverage) ratio | 13.1086% | 1,073 |
| Tier 1 risk-based capital ratio | 19.7056% | 1,749 |
| Total risk-based capital ratio | 20.7780% | 1,776 |
| Memoranda: | ||
| Average total assets | $790,684,800 | 842 |
| Average earning assets | $724,135,000 | 826 |
| Average equity | $108,102,800 | 657 |
| Average total loans | $463,169,800 | 888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 5,960 |
| Cost of funding earning assets | 0.6181% | 4,469 |
| Net interest margin | 3.2072% | 5,684 |
| Noninterest income to average assets | 0.5226% | 3,786 |
| Noninterest expense to average assets | 2.9874% | 3,276 |
| Loan and lease loss provision to assets | 0.0682% | 4,830 |
| Net operating income to assets | 0.2774% | 5,687 |
| Return on assets (ROA) | 0.3634% | 5,596 |
| Pretax return on assets | 0.5266% | 5,391 |
| Return on Equity (ROE) | 2.6380% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.6380% | 4,981 |
| Net charge-offs to loans | 0.0074% | 5,630 |
| Credit loss provision to net charge-offs | 1,600.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 110.2883% | 389 |
| Efficiency ratio | 86.4026% | 1,349 |
| Assets per employee ($millions) | 4.2491% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 6,624 |
| Loan loss allowance to noncurrent loans | 53.0441% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 4,507 |
| Noncurrent loans to loans | 1.4893% | 3,553 |
| Net loans and leases to total assets | 59.2798% | 3,912 |
| Net loans and leases to deposits | 71.8697% | 3,629 |
| Net loans and leases to core deposits | 77.3924% | 3,551 |
| Total domestic deposits to total assets | 82.4822% | 4,841 |
| Equity capital to assets | 13.4510% | 1,367 |
| Core capital (leverage) ratio | 13.1606% | 1,127 |
| Tier 1 risk-based capital ratio | 19.9692% | 1,767 |
| Total risk-based capital ratio | 21.0023% | 1,791 |
| Memoranda: | ||
| Average total assets | $781,894,750 | 856 |
| Average earning assets | $715,486,250 | 843 |
| Average equity | $107,704,250 | 660 |
| Average total loans | $451,756,500 | 919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 5,920 |
| Cost of funding earning assets | 0.6261% | 4,665 |
| Net interest margin | 3.2740% | 5,523 |
| Noninterest income to average assets | 0.5139% | 3,831 |
| Noninterest expense to average assets | 3.0408% | 3,125 |
| Loan and lease loss provision to assets | 0.0649% | 4,831 |
| Net operating income to assets | 0.2746% | 5,695 |
| Return on assets (ROA) | 0.3769% | 5,544 |
| Pretax return on assets | 0.5463% | 5,319 |
| Return on Equity (ROE) | 2.7133% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.7133% | 4,817 |
| Net charge-offs to loans | 0.0114% | 5,294 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 71.3600% | 563 |
| Efficiency ratio | 86.7852% | 1,362 |
| Assets per employee ($millions) | 4.2452% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 6,688 |
| Loan loss allowance to noncurrent loans | 50.2990% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 4,554 |
| Noncurrent loans to loans | 1.5773% | 3,542 |
| Net loans and leases to total assets | 57.0767% | 4,315 |
| Net loans and leases to deposits | 68.9907% | 4,039 |
| Net loans and leases to core deposits | 73.7964% | 4,061 |
| Total domestic deposits to total assets | 82.7309% | 4,863 |
| Equity capital to assets | 13.3266% | 1,382 |
| Core capital (leverage) ratio | 13.6503% | 921 |
| Tier 1 risk-based capital ratio | 21.0101% | 1,482 |
| Total risk-based capital ratio | 22.0529% | 1,491 |
| Memoranda: | ||
| Average total assets | $770,585,330 | 864 |
| Average earning assets | $703,724,670 | 859 |
| Average equity | $107,027,000 | 661 |
| Average total loans | $439,852,330 | 946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 5,769 |
| Cost of funding earning assets | 0.6401% | 4,822 |
| Net interest margin | 3.3551% | 5,288 |
| Noninterest income to average assets | 0.5245% | 3,747 |
| Noninterest expense to average assets | 3.1063% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3362% | 5,530 |
| Return on assets (ROA) | 0.4141% | 5,388 |
| Pretax return on assets | 0.6044% | 5,105 |
| Return on Equity (ROE) | 2.9180% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.9180% | 4,794 |
| Net charge-offs to loans | 0.0188% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 46.1000% | 671 |
| Efficiency ratio | 86.3407% | 1,447 |
| Assets per employee ($millions) | 4.1221% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 6,740 |
| Loan loss allowance to noncurrent loans | 51.5359% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8794% | 4,769 |
| Noncurrent loans to loans | 1.5541% | 3,782 |
| Net loans and leases to total assets | 56.1308% | 4,356 |
| Net loans and leases to deposits | 68.5202% | 3,969 |
| Net loans and leases to core deposits | 73.0654% | 4,012 |
| Total domestic deposits to total assets | 81.9186% | 5,329 |
| Equity capital to assets | 13.9915% | 1,028 |
| Core capital (leverage) ratio | 14.0300% | 799 |
| Tier 1 risk-based capital ratio | 21.6422% | 1,349 |
| Total risk-based capital ratio | 22.6809% | 1,369 |
| Memoranda: | ||
| Average total assets | $750,465,500 | 892 |
| Average earning assets | $687,437,500 | 884 |
| Average equity | $106,513,000 | 660 |
| Average total loans | $426,532,000 | 981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 6,156 |
| Cost of funding earning assets | 0.7706% | 5,056 |
| Net interest margin | 3.3934% | 5,501 |
| Noninterest income to average assets | 0.7208% | 2,492 |
| Noninterest expense to average assets | 3.0164% | 3,534 |
| Loan and lease loss provision to assets | 0.1036% | 5,291 |
| Net operating income to assets | 0.4502% | 4,640 |
| Return on assets (ROA) | 0.5530% | 4,405 |
| Pretax return on assets | 0.8077% | 3,953 |
| Return on Equity (ROE) | 3.8876% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.8876% | 3,446 |
| Net charge-offs to loans | 0.4065% | 3,390 |
| Credit loss provision to net charge-offs | 45.1807% | 5,529 |
| Earnings coverage of net charge-offs (x) | 3.3169% | 3,556 |
| Efficiency ratio | 79.8706% | 2,319 |
| Assets per employee ($millions) | 4.1249% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,690 |
| Loan loss allowance to noncurrent loans | 59.5104% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 5,053 |
| Noncurrent loans to loans | 1.3855% | 4,066 |
| Net loans and leases to total assets | 56.6248% | 4,604 |
| Net loans and leases to deposits | 69.5375% | 4,184 |
| Net loans and leases to core deposits | 74.2146% | 4,209 |
| Total domestic deposits to total assets | 81.4306% | 5,316 |
| Equity capital to assets | 14.4010% | 930 |
| Core capital (leverage) ratio | 14.1127% | 798 |
| Tier 1 risk-based capital ratio | 22.4472% | 1,177 |
| Total risk-based capital ratio | 23.4657% | 1,180 |
| Memoranda: | ||
| Average total assets | $724,284,800 | 906 |
| Average earning assets | $652,215,200 | 911 |
| Average equity | $103,019,000 | 668 |
| Average total loans | $408,388,000 | 1,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 6,286 |
| Cost of funding earning assets | 0.7910% | 5,206 |
| Net interest margin | 3.3748% | 5,650 |
| Noninterest income to average assets | 0.7690% | 2,199 |
| Noninterest expense to average assets | 3.0224% | 3,474 |
| Loan and lease loss provision to assets | 0.1110% | 5,045 |
| Net operating income to assets | 0.4418% | 4,814 |
| Return on assets (ROA) | 0.5403% | 4,546 |
| Pretax return on assets | 0.8093% | 4,094 |
| Return on Equity (ROE) | 3.8111% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.8111% | 4,018 |
| Net charge-offs to loans | 0.5470% | 2,599 |
| Credit loss provision to net charge-offs | 36.1011% | 5,322 |
| Earnings coverage of net charge-offs (x) | 2.5150% | 3,875 |
| Efficiency ratio | 79.6286% | 2,308 |
| Assets per employee ($millions) | 4.0899% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 6,843 |
| Loan loss allowance to noncurrent loans | 63.3022% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 5,363 |
| Noncurrent loans to loans | 1.2398% | 4,469 |
| Net loans and leases to total assets | 57.3998% | 4,607 |
| Net loans and leases to deposits | 70.4923% | 4,219 |
| Net loans and leases to core deposits | 75.3521% | 4,273 |
| Total domestic deposits to total assets | 81.4271% | 5,285 |
| Equity capital to assets | 14.2843% | 1,059 |
| Core capital (leverage) ratio | 14.1866% | 848 |
| Tier 1 risk-based capital ratio | 22.2008% | 1,251 |
| Total risk-based capital ratio | 23.0985% | 1,288 |
| Memoranda: | ||
| Average total assets | $720,768,250 | 913 |
| Average earning assets | $646,424,250 | 928 |
| Average equity | $102,191,250 | 677 |
| Average total loans | $405,093,500 | 1,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 6,492 |
| Cost of funding earning assets | 0.8063% | 5,323 |
| Net interest margin | 3.2930% | 5,880 |
| Noninterest income to average assets | 0.5378% | 3,578 |
| Noninterest expense to average assets | 3.0536% | 3,419 |
| Loan and lease loss provision to assets | 0.0976% | 5,102 |
| Net operating income to assets | 0.2217% | 5,656 |
| Return on assets (ROA) | 0.3693% | 5,228 |
| Pretax return on assets | 0.5353% | 4,951 |
| Return on Equity (ROE) | 2.6115% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.6115% | 4,630 |
| Net charge-offs to loans | 0.1098% | 4,597 |
| Credit loss provision to net charge-offs | 159.8174% | 1,899 |
| Earnings coverage of net charge-offs (x) | 6.8584% | 2,323 |
| Efficiency ratio | 87.9348% | 1,421 |
| Assets per employee ($millions) | 4.0605% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,891 |
| Loan loss allowance to noncurrent loans | 39.5950% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 3.5905% | 1,828 |
| Noncurrent loans to loans | 2.8209% | 2,577 |
| Net loans and leases to total assets | 54.4104% | 5,234 |
| Net loans and leases to deposits | 66.3945% | 4,941 |
| Net loans and leases to core deposits | 71.0012% | 4,953 |
| Total domestic deposits to total assets | 81.9502% | 5,185 |
| Equity capital to assets | 13.9532% | 1,110 |
| Core capital (leverage) ratio | 13.8492% | 910 |
| Tier 1 risk-based capital ratio | 21.5953% | 1,314 |
| Total risk-based capital ratio | 22.8570% | 1,285 |
| Memoranda: | ||
| Average total assets | $716,995,000 | 923 |
| Average earning assets | $638,994,670 | 944 |
| Average equity | $101,397,000 | 680 |
| Average total loans | $398,944,330 | 1,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 6,664 |
| Cost of funding earning assets | 0.8000% | 5,577 |
| Net interest margin | 3.2191% | 6,013 |
| Noninterest income to average assets | 0.5407% | 3,573 |
| Noninterest expense to average assets | 3.0897% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2176% | 5,725 |
| Return on assets (ROA) | 0.2830% | 5,558 |
| Pretax return on assets | 0.4102% | 5,312 |
| Return on Equity (ROE) | 1.9877% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9877% | 4,936 |
| Net charge-offs to loans | 0.1010% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.5800% | 2,253 |
| Efficiency ratio | 90.7417% | 1,261 |
| Assets per employee ($millions) | 3.9972% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 6,139 |
| Loan loss allowance to noncurrent loans | 35.6128% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.7933% | 1,779 |
| Noncurrent loans to loans | 3.0177% | 2,493 |
| Net loans and leases to total assets | 55.1402% | 5,135 |
| Net loans and leases to deposits | 67.4820% | 4,747 |
| Net loans and leases to core deposits | 72.3247% | 4,745 |
| Total domestic deposits to total assets | 81.7110% | 5,421 |
| Equity capital to assets | 14.1041% | 978 |
| Core capital (leverage) ratio | 14.2295% | 798 |
| Tier 1 risk-based capital ratio | 21.6639% | 1,289 |
| Total risk-based capital ratio | 22.9200% | 1,264 |
| Memoranda: | ||
| Average total assets | $708,020,500 | 945 |
| Average earning assets | $629,988,000 | 960 |
| Average equity | $100,821,500 | 677 |
| Average total loans | $396,215,000 | 1,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 6,763 |
| Cost of funding earning assets | 0.9392% | 5,985 |
| Net interest margin | 3.3765% | 5,713 |
| Noninterest income to average assets | 0.5611% | 3,738 |
| Noninterest expense to average assets | 2.9682% | 3,970 |
| Loan and lease loss provision to assets | 0.1285% | 5,884 |
| Net operating income to assets | 0.3150% | 4,884 |
| Return on assets (ROA) | 0.4057% | 4,651 |
| Pretax return on assets | 0.5887% | 4,362 |
| Return on Equity (ROE) | 2.7996% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.7996% | 3,896 |
| Net charge-offs to loans | 0.0763% | 6,043 |
| Credit loss provision to net charge-offs | 296.6667% | 903 |
| Earnings coverage of net charge-offs (x) | 13.5267% | 1,407 |
| Efficiency ratio | 83.5168% | 1,979 |
| Assets per employee ($millions) | 3.8704% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,901 |
| Loan loss allowance to noncurrent loans | 129.6482% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 2.6569% | 2,620 |
| Noncurrent loans to loans | 0.8595% | 5,348 |
| Net loans and leases to total assets | 55.5613% | 5,407 |
| Net loans and leases to deposits | 68.4391% | 5,046 |
| Net loans and leases to core deposits | 72.9833% | 5,101 |
| Total domestic deposits to total assets | 81.1836% | 5,461 |
| Equity capital to assets | 14.3786% | 934 |
| Core capital (leverage) ratio | 14.2882% | 792 |
| Tier 1 risk-based capital ratio | 21.7943% | 1,207 |
| Total risk-based capital ratio | 23.0556% | 1,180 |
| Memoranda: | ||
| Average total assets | $692,714,400 | 960 |
| Average earning assets | $614,001,000 | 984 |
| Average equity | $100,373,000 | 669 |
| Average total loans | $393,131,800 | 1,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 6,870 |
| Cost of funding earning assets | 0.9649% | 6,110 |
| Net interest margin | 3.3991% | 5,687 |
| Noninterest income to average assets | 0.5578% | 3,721 |
| Noninterest expense to average assets | 2.9717% | 3,851 |
| Loan and lease loss provision to assets | 0.1189% | 5,841 |
| Net operating income to assets | 0.3299% | 5,050 |
| Return on assets (ROA) | 0.4150% | 4,858 |
| Pretax return on assets | 0.6015% | 4,590 |
| Return on Equity (ROE) | 2.8585% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.8585% | 4,422 |
| Net charge-offs to loans | 0.0556% | 5,962 |
| Credit loss provision to net charge-offs | 375.6098% | 830 |
| Earnings coverage of net charge-offs (x) | 18.8599% | 1,230 |
| Efficiency ratio | 83.2711% | 1,920 |
| Assets per employee ($millions) | 3.7553% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,168 |
| Loan loss allowance to noncurrent loans | 256.3669% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 2.4487% | 2,920 |
| Noncurrent loans to loans | 0.4091% | 6,382 |
| Net loans and leases to total assets | 57.6865% | 5,303 |
| Net loans and leases to deposits | 71.2682% | 4,955 |
| Net loans and leases to core deposits | 75.9535% | 5,065 |
| Total domestic deposits to total assets | 80.9428% | 5,396 |
| Equity capital to assets | 14.6130% | 988 |
| Core capital (leverage) ratio | 14.2878% | 866 |
| Tier 1 risk-based capital ratio | 21.6707% | 1,259 |
| Total risk-based capital ratio | 22.8437% | 1,248 |
| Memoranda: | ||
| Average total assets | $690,756,250 | 969 |
| Average earning assets | $611,880,750 | 998 |
| Average equity | $100,284,000 | 663 |
| Average total loans | $393,010,000 | 1,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 6,925 |
| Cost of funding earning assets | 0.9930% | 6,176 |
| Net interest margin | 3.3944% | 5,662 |
| Noninterest income to average assets | 0.5538% | 3,678 |
| Noninterest expense to average assets | 2.9323% | 3,950 |
| Loan and lease loss provision to assets | 0.1642% | 5,248 |
| Net operating income to assets | 0.3188% | 5,106 |
| Return on assets (ROA) | 0.4467% | 4,714 |
| Pretax return on assets | 0.6475% | 4,408 |
| Return on Equity (ROE) | 3.0840% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.0840% | 4,143 |
| Net charge-offs to loans | 0.0766% | 5,376 |
| Credit loss provision to net charge-offs | 379.8658% | 949 |
| Earnings coverage of net charge-offs (x) | 14.4899% | 1,513 |
| Efficiency ratio | 82.3999% | 2,111 |
| Assets per employee ($millions) | 3.8343% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 6,096 |
| Loan loss allowance to noncurrent loans | 340.8576% | 863 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,985 |
| Noncurrent loans to loans | 0.3130% | 6,601 |
| Net loans and leases to total assets | 56.2965% | 5,658 |
| Net loans and leases to deposits | 69.4068% | 5,363 |
| Net loans and leases to core deposits | 74.2835% | 5,412 |
| Total domestic deposits to total assets | 81.1109% | 5,366 |
| Equity capital to assets | 14.4980% | 1,011 |
| Core capital (leverage) ratio | 14.1369% | 896 |
| Tier 1 risk-based capital ratio | 22.3154% | 1,155 |
| Total risk-based capital ratio | 23.4471% | 1,147 |
| Memoranda: | ||
| Average total assets | $689,430,670 | 975 |
| Average earning assets | $610,298,670 | 1,008 |
| Average equity | $99,871,670 | 659 |
| Average total loans | $389,008,330 | 1,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 7,027 |
| Cost of funding earning assets | 1.0303% | 6,227 |
| Net interest margin | 3.3493% | 5,790 |
| Noninterest income to average assets | 0.5454% | 3,682 |
| Noninterest expense to average assets | 2.8972% | 4,074 |
| Loan and lease loss provision to assets | 0.0454% | 6,216 |
| Net operating income to assets | 0.3909% | 4,875 |
| Return on assets (ROA) | 0.4447% | 4,772 |
| Pretax return on assets | 0.6444% | 4,437 |
| Return on Equity (ROE) | 3.0714% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.0714% | 4,295 |
| Net charge-offs to loans | 0.1585% | 3,974 |
| Credit loss provision to net charge-offs | 50.9804% | 4,466 |
| Earnings coverage of net charge-offs (x) | 6.8693% | 2,157 |
| Efficiency ratio | 82.5647% | 2,199 |
| Assets per employee ($millions) | 3.7345% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,663 |
| Loan loss allowance to noncurrent loans | 76.4223% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.9639% | 2,425 |
| Noncurrent loans to loans | 1.2450% | 4,893 |
| Net loans and leases to total assets | 56.0675% | 5,730 |
| Net loans and leases to deposits | 69.1157% | 5,458 |
| Net loans and leases to core deposits | 73.6816% | 5,525 |
| Total domestic deposits to total assets | 81.1213% | 5,413 |
| Equity capital to assets | 14.4904% | 1,006 |
| Core capital (leverage) ratio | 14.1683% | 918 |
| Tier 1 risk-based capital ratio | 21.9888% | 1,204 |
| Total risk-based capital ratio | 23.1023% | 1,207 |
| Memoranda: | ||
| Average total assets | $687,142,000 | 1,000 |
| Average earning assets | $608,003,000 | 1,034 |
| Average equity | $99,499,000 | 666 |
| Average total loans | $386,055,000 | 1,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 7,195 |
| Cost of funding earning assets | 1.3482% | 6,150 |
| Net interest margin | 3.3130% | 5,691 |
| Noninterest income to average assets | 0.4355% | 4,910 |
| Noninterest expense to average assets | 3.0413% | 3,986 |
| Loan and lease loss provision to assets | 0.1195% | 6,447 |
| Net operating income to assets | 0.1286% | 5,119 |
| Return on assets (ROA) | 0.2439% | 4,825 |
| Pretax return on assets | 0.3535% | 4,632 |
| Return on Equity (ROE) | 1.6866% | 5,026 |
| Retained earnings to average equity (ytd only) | 1.6866% | 3,907 |
| Net charge-offs to loans | 0.0586% | 6,508 |
| Credit loss provision to net charge-offs | 390.2439% | 815 |
| Earnings coverage of net charge-offs (x) | 9.9902% | 1,734 |
| Efficiency ratio | 90.8612% | 1,645 |
| Assets per employee ($millions) | 3.7345% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,414 |
| Loan loss allowance to noncurrent loans | 71.7445% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 3.0762% | 2,258 |
| Noncurrent loans to loans | 1.3886% | 4,599 |
| Net loans and leases to total assets | 55.1993% | 6,060 |
| Net loans and leases to deposits | 68.0327% | 5,822 |
| Net loans and leases to core deposits | 79.7636% | 6,124 |
| Total domestic deposits to total assets | 81.1364% | 5,300 |
| Equity capital to assets | 14.4697% | 1,032 |
| Core capital (leverage) ratio | 14.1687% | 954 |
| Tier 1 risk-based capital ratio | 21.8034% | 1,176 |
| Total risk-based capital ratio | 22.9170% | 1,168 |
| Memoranda: | ||
| Average total assets | $669,507,800 | 1,033 |
| Average earning assets | $588,410,000 | 1,068 |
| Average equity | $96,824,400 | 680 |
| Average total loans | $349,898,800 | 1,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 7,288 |
| Cost of funding earning assets | 1.4069% | 6,204 |
| Net interest margin | 3.2909% | 5,672 |
| Noninterest income to average assets | 0.3842% | 5,444 |
| Noninterest expense to average assets | 3.0432% | 3,870 |
| Loan and lease loss provision to assets | 0.1101% | 6,272 |
| Net operating income to assets | 0.0823% | 5,520 |
| Return on assets (ROA) | 0.2368% | 5,112 |
| Pretax return on assets | 0.3431% | 4,950 |
| Return on Equity (ROE) | 1.6377% | 5,291 |
| Retained earnings to average equity (ytd only) | 1.6377% | 4,398 |
| Net charge-offs to loans | 0.0678% | 6,016 |
| Credit loss provision to net charge-offs | 316.0920% | 1,305 |
| Earnings coverage of net charge-offs (x) | 6.5806% | 2,575 |
| Efficiency ratio | 92.9957% | 1,466 |
| Assets per employee ($millions) | 3.6256% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,410 |
| Loan loss allowance to noncurrent loans | 68.4724% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 3.3334% | 2,024 |
| Noncurrent loans to loans | 1.4270% | 4,532 |
| Net loans and leases to total assets | 54.0468% | 6,375 |
| Net loans and leases to deposits | 67.1358% | 6,198 |
| Net loans and leases to core deposits | 78.9833% | 6,421 |
| Total domestic deposits to total assets | 80.5037% | 5,244 |
| Equity capital to assets | 14.6346% | 1,107 |
| Core capital (leverage) ratio | 14.4594% | 963 |
| Tier 1 risk-based capital ratio | 22.0503% | 1,222 |
| Total risk-based capital ratio | 23.0935% | 1,219 |
| Memoranda: | ||
| Average total assets | $666,033,250 | 1,048 |
| Average earning assets | $584,552,250 | 1,096 |
| Average equity | $96,308,750 | 686 |
| Average total loans | $342,115,750 | 1,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 7,318 |
| Cost of funding earning assets | 1.4762% | 6,238 |
| Net interest margin | 3.2738% | 5,642 |
| Noninterest income to average assets | 0.2929% | 6,168 |
| Noninterest expense to average assets | 3.0063% | 4,063 |
| Loan and lease loss provision to assets | 0.1053% | 6,104 |
| Net operating income to assets | 0.0348% | 5,743 |
| Return on assets (ROA) | 0.2014% | 5,340 |
| Pretax return on assets | 0.2923% | 5,230 |
| Return on Equity (ROE) | 1.3982% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.3982% | 4,557 |
| Net charge-offs to loans | 0.0730% | 5,484 |
| Credit loss provision to net charge-offs | 286.8852% | 1,632 |
| Earnings coverage of net charge-offs (x) | 4.2541% | 3,161 |
| Efficiency ratio | 95.0604% | 1,434 |
| Assets per employee ($millions) | 3.5338% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,353 |
| Loan loss allowance to noncurrent loans | 75.8964% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 3.2533% | 1,918 |
| Noncurrent loans to loans | 1.2973% | 4,610 |
| Net loans and leases to total assets | 51.3585% | 6,752 |
| Net loans and leases to deposits | 63.5454% | 6,609 |
| Net loans and leases to core deposits | 74.3344% | 6,769 |
| Total domestic deposits to total assets | 80.8218% | 5,140 |
| Equity capital to assets | 14.3477% | 1,208 |
| Core capital (leverage) ratio | 14.3710% | 1,053 |
| Tier 1 risk-based capital ratio | 21.6939% | 1,299 |
| Total risk-based capital ratio | 22.6159% | 1,308 |
| Memoranda: | ||
| Average total assets | $664,467,000 | 1,067 |
| Average earning assets | $582,449,000 | 1,117 |
| Average equity | $95,692,000 | 698 |
| Average total loans | $334,125,670 | 1,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 7,168 |
| Cost of funding earning assets | 1.5507% | 6,231 |
| Net interest margin | 3.3526% | 5,315 |
| Noninterest income to average assets | 0.4908% | 4,404 |
| Noninterest expense to average assets | 2.9071% | 4,135 |
| Loan and lease loss provision to assets | 0.0454% | 6,405 |
| Net operating income to assets | 0.3233% | 5,195 |
| Return on assets (ROA) | 0.3667% | 5,169 |
| Pretax return on assets | 0.5319% | 4,970 |
| Return on Equity (ROE) | 2.5416% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.5416% | 4,464 |
| Net charge-offs to loans | 0.0037% | 5,672 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 283.3333% | 144 |
| Efficiency ratio | 84.9664% | 2,198 |
| Assets per employee ($millions) | 3.7109% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,268 |
| Loan loss allowance to noncurrent loans | 153.8064% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 3.0279% | 1,861 |
| Noncurrent loans to loans | 0.6426% | 5,807 |
| Net loans and leases to total assets | 49.0850% | 6,939 |
| Net loans and leases to deposits | 60.6186% | 6,843 |
| Net loans and leases to core deposits | 71.4452% | 6,935 |
| Total domestic deposits to total assets | 80.9735% | 4,983 |
| Equity capital to assets | 14.2757% | 1,288 |
| Core capital (leverage) ratio | 14.5279% | 1,077 |
| Tier 1 risk-based capital ratio | 22.3808% | 1,258 |
| Total risk-based capital ratio | 23.1973% | 1,277 |
| Memoranda: | ||
| Average total assets | $660,992,000 | 1,076 |
| Average earning assets | $577,814,500 | 1,129 |
| Average equity | $95,371,500 | 700 |
| Average total loans | $327,059,000 | 1,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 7,580 |
| Cost of funding earning assets | 2.0283% | 6,323 |
| Net interest margin | 3.2878% | 6,082 |
| Noninterest income to average assets | 0.2597% | 6,593 |
| Noninterest expense to average assets | 3.3051% | 2,945 |
| Loan and lease loss provision to assets | 0.1206% | 5,816 |
| Net operating income to assets | -0.0781% | 6,479 |
| Return on assets (ROA) | -0.5328% | 6,824 |
| Pretax return on assets | -0.9861% | 6,989 |
| Return on Equity (ROE) | -3.5972% | 6,692 |
| Retained earnings to average equity (ytd only) | -3.5972% | 6,241 |
| Net charge-offs to loans | 0.2953% | 3,425 |
| Credit loss provision to net charge-offs | 81.4475% | 5,870 |
| Earnings coverage of net charge-offs (x) | -1.0479% | 6,598 |
| Efficiency ratio | 104.9243% | 840 |
| Assets per employee ($millions) | 3.4422% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,137 |
| Loan loss allowance to noncurrent loans | 146.9697% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 3.1175% | 1,469 |
| Noncurrent loans to loans | 0.6744% | 5,348 |
| Net loans and leases to total assets | 48.8936% | 7,112 |
| Net loans and leases to deposits | 60.6557% | 7,037 |
| Net loans and leases to core deposits | 71.9168% | 7,081 |
| Total domestic deposits to total assets | 80.6085% | 4,802 |
| Equity capital to assets | 14.5847% | 1,278 |
| Core capital (leverage) ratio | 14.2576% | 1,204 |
| Tier 1 risk-based capital ratio | 22.9454% | 1,204 |
| Total risk-based capital ratio | 23.8938% | 1,205 |
| Memoranda: | ||
| Average total assets | $662,733,400 | 1,010 |
| Average earning assets | $582,608,400 | 1,059 |
| Average equity | $98,159,400 | 680 |
| Average total loans | $332,149,600 | 1,462 |