Home > The Pittsfield Co-operative Bank > Performance and Condition Ratios
The Pittsfield Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 3,452 |
| Cost of funding earning assets | 1.0230% | 3,246 |
| Net interest margin | 3.2690% | 2,710 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.6157% | 1,961 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.7765% | 2,954 |
| Return on assets (ROA) | 0.7765% | 2,933 |
| Pretax return on assets | 0.9772% | 2,732 |
| Return on Equity (ROE) | 6.0100% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0130% | 2,233 |
| Net charge-offs to loans | 0.0369% | 1,570 |
| Credit loss provision to net charge-offs | -336.0825% | 4,523 |
| Earnings coverage of net charge-offs (x) | 35.9485% | 1,513 |
| Efficiency ratio | 74.5363% | 1,404 |
| Assets per employee ($millions) | 6.8731% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,550 |
| Loan loss allowance to noncurrent loans | 210.9623% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,705 |
| Noncurrent loans to loans | 0.4486% | 1,657 |
| Net loans and leases to total assets | 68.5500% | 1,970 |
| Net loans and leases to deposits | 90.0472% | 1,260 |
| Net loans and leases to core deposits | 105.5554% | 1,135 |
| Total domestic deposits to total assets | 76.1300% | 3,932 |
| Equity capital to assets | 13.8664% | 707 |
| Core capital (leverage) ratio | 13.6729% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4753% | 651 |
| Memoranda: | ||
| Average total assets | $390,214,200 | 2,045 |
| Average earning assets | $351,818,000 | 2,083 |
| Average equity | $50,390,800 | 1,597 |
| Average total loans | $262,611,600 | 1,947 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 3,494 |
| Cost of funding earning assets | 0.9075% | 3,255 |
| Net interest margin | 3.2780% | 2,739 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.6741% | 1,732 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.7073% | 3,308 |
| Return on assets (ROA) | 0.7073% | 3,287 |
| Pretax return on assets | 0.8973% | 3,107 |
| Return on Equity (ROE) | 5.5800% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.5780% | 2,755 |
| Net charge-offs to loans | 0.0459% | 1,231 |
| Credit loss provision to net charge-offs | -110.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | 28.1778% | 1,625 |
| Efficiency ratio | 75.5896% | 1,212 |
| Assets per employee ($millions) | 6.8205% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,170 |
| Loan loss allowance to noncurrent loans | 190.8587% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 1,547 |
| Noncurrent loans to loans | 0.5433% | 1,465 |
| Net loans and leases to total assets | 67.6600% | 2,084 |
| Net loans and leases to deposits | 87.2670% | 1,453 |
| Net loans and leases to core deposits | 100.9236% | 1,264 |
| Total domestic deposits to total assets | 77.5300% | 3,876 |
| Equity capital to assets | 12.5528% | 904 |
| Core capital (leverage) ratio | 13.4909% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3777% | 776 |
| Memoranda: | ||
| Average total assets | $391,544,000 | 2,037 |
| Average earning assets | $352,884,750 | 2,082 |
| Average equity | $49,645,750 | 1,604 |
| Average total loans | $261,669,500 | 1,957 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,439 |
| Cost of funding earning assets | 0.7757% | 3,278 |
| Net interest margin | 3.3499% | 2,644 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.7212% | 1,595 |
| Loan and lease loss provision to assets | -0.0800% | 4,546 |
| Net operating income to assets | 0.7919% | 3,106 |
| Return on assets (ROA) | 0.7919% | 3,114 |
| Pretax return on assets | 1.0156% | 2,873 |
| Return on Equity (ROE) | 6.2300% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.2250% | 2,535 |
| Net charge-offs to loans | 0.0599% | 945 |
| Credit loss provision to net charge-offs | -189.7436% | 4,562 |
| Earnings coverage of net charge-offs (x) | 23.6538% | 1,669 |
| Efficiency ratio | 74.3215% | 1,313 |
| Assets per employee ($millions) | 6.5710% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,256 |
| Loan loss allowance to noncurrent loans | 413.2219% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,366 |
| Noncurrent loans to loans | 0.2513% | 2,257 |
| Net loans and leases to total assets | 66.8400% | 2,073 |
| Net loans and leases to deposits | 85.3097% | 1,561 |
| Net loans and leases to core deposits | 97.5392% | 1,380 |
| Total domestic deposits to total assets | 78.3500% | 3,803 |
| Equity capital to assets | 13.0264% | 804 |
| Core capital (leverage) ratio | 13.1705% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2584% | 689 |
| Memoranda: | ||
| Average total assets | $392,470,000 | 2,031 |
| Average earning assets | $353,744,333 | 2,077 |
| Average equity | $49,927,333 | 1,598 |
| Average total loans | $260,298,000 | 1,955 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,394 |
| Cost of funding earning assets | 0.6096% | 3,351 |
| Net interest margin | 3.4201% | 2,582 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.6561% | 1,786 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 0.8205% | 3,135 |
| Return on assets (ROA) | 0.8205% | 3,084 |
| Pretax return on assets | 1.0586% | 2,835 |
| Return on Equity (ROE) | 6.5300% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5270% | 2,635 |
| Net charge-offs to loans | 0.1264% | 517 |
| Credit loss provision to net charge-offs | -112.1951% | 4,596 |
| Earnings coverage of net charge-offs (x) | 11.6220% | 1,631 |
| Efficiency ratio | 73.3427% | 1,406 |
| Assets per employee ($millions) | 7.0975% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,193 |
| Loan loss allowance to noncurrent loans | 313.1073% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 2,015 |
| Noncurrent loans to loans | 0.3424% | 1,917 |
| Net loans and leases to total assets | 64.3300% | 2,218 |
| Net loans and leases to deposits | 79.5405% | 1,851 |
| Net loans and leases to core deposits | 90.2721% | 1,602 |
| Total domestic deposits to total assets | 80.8700% | 3,653 |
| Equity capital to assets | 12.7182% | 822 |
| Core capital (leverage) ratio | 12.9884% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1629% | 824 |
| Memoranda: | ||
| Average total assets | $394,860,000 | 2,059 |
| Average earning assets | $355,666,500 | 2,093 |
| Average equity | $49,640,000 | 1,623 |
| Average total loans | $259,514,000 | 1,975 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 3,099 |
| Cost of funding earning assets | 0.3460% | 2,511 |
| Net interest margin | 3.1445% | 3,042 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.9183% | 1,100 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7478% | 3,488 |
| Return on assets (ROA) | 0.6965% | 3,578 |
| Pretax return on assets | 0.4556% | 4,224 |
| Return on Equity (ROE) | 5.4000% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,873 |
| Net charge-offs to loans | 0.0059% | 2,206 |
| Credit loss provision to net charge-offs | 193.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 134.2000% | 841 |
| Efficiency ratio | 74.0007% | 1,220 |
| Assets per employee ($millions) | 6.8733% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,254 |
| Loan loss allowance to noncurrent loans | 197.4759% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 1,481 |
| Noncurrent loans to loans | 0.5169% | 1,410 |
| Net loans and leases to total assets | 65.8300% | 2,060 |
| Net loans and leases to deposits | 77.7136% | 1,976 |
| Net loans and leases to core deposits | 86.3892% | 1,722 |
| Total domestic deposits to total assets | 84.7100% | 3,057 |
| Equity capital to assets | 12.4452% | 819 |
| Core capital (leverage) ratio | 12.7098% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0927% | 818 |
| Memoranda: | ||
| Average total assets | $391,391,200 | 2,055 |
| Average earning assets | $356,111,400 | 2,084 |
| Average equity | $50,495,200 | 1,609 |
| Average total loans | $254,358,200 | 1,916 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4025% | 2,914 |
| Cost of funding earning assets | 0.3175% | 1,988 |
| Net interest margin | 3.0850% | 2,975 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.5150% | 1,973 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6811% | 3,616 |
| Return on assets (ROA) | 0.6811% | 3,578 |
| Pretax return on assets | 0.8733% | 3,405 |
| Return on Equity (ROE) | 5.2300% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.2332% | 3,009 |
| Net charge-offs to loans | 0.0042% | 2,050 |
| Credit loss provision to net charge-offs | 350.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 323.8750% | 447 |
| Efficiency ratio | 74.0172% | 1,274 |
| Assets per employee ($millions) | 7.0847% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,329 |
| Loan loss allowance to noncurrent loans | 208.7706% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 1,606 |
| Noncurrent loans to loans | 0.4954% | 1,562 |
| Net loans and leases to total assets | 66.6800% | 1,819 |
| Net loans and leases to deposits | 77.2971% | 1,777 |
| Net loans and leases to core deposits | 85.6546% | 1,541 |
| Total domestic deposits to total assets | 86.2700% | 2,994 |
| Equity capital to assets | 12.2295% | 836 |
| Core capital (leverage) ratio | 12.2486% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4136% | 935 |
| Memoranda: | ||
| Average total assets | $391,294,000 | 2,074 |
| Average earning assets | $356,512,500 | 2,097 |
| Average equity | $50,929,500 | 1,624 |
| Average total loans | $252,802,250 | 1,924 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 2,798 |
| Cost of funding earning assets | 0.3107% | 1,614 |
| Net interest margin | 2.9701% | 2,973 |
| Noninterest income to average assets | 0.6053% | 1,717 |
| Noninterest expense to average assets | 2.4449% | 2,097 |
| Loan and lease loss provision to assets | 0.0112% | 2,388 |
| Net operating income to assets | 0.6788% | 3,381 |
| Return on assets (ROA) | 0.6788% | 3,336 |
| Pretax return on assets | 0.8696% | 3,148 |
| Return on Equity (ROE) | 5.1156% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.1156% | 2,660 |
| Net charge-offs to loans | 0.0056% | 1,802 |
| Credit loss provision to net charge-offs | 314.2857% | 786 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 477 |
| Efficiency ratio | 73.5164% | 1,569 |
| Assets per employee ($millions) | 7.2803% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,459 |
| Loan loss allowance to noncurrent loans | 312.6910% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,211 |
| Noncurrent loans to loans | 0.3303% | 2,154 |
| Net loans and leases to total assets | 66.0837% | 1,679 |
| Net loans and leases to deposits | 78.0107% | 1,540 |
| Net loans and leases to core deposits | 86.7144% | 1,283 |
| Total domestic deposits to total assets | 84.7111% | 3,546 |
| Equity capital to assets | 12.8069% | 700 |
| Core capital (leverage) ratio | 12.1871% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4550% | 924 |
| Memoranda: | ||
| Average total assets | $394,200,333 | 2,076 |
| Average earning assets | $361,063,667 | 2,099 |
| Average equity | $52,310,333 | 1,623 |
| Average total loans | $251,143,667 | 1,940 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 3,045 |
| Cost of funding earning assets | 0.3141% | 1,523 |
| Net interest margin | 2.7633% | 3,244 |
| Noninterest income to average assets | 0.6115% | 1,647 |
| Noninterest expense to average assets | 2.3194% | 2,423 |
| Loan and lease loss provision to assets | 0.0211% | 1,976 |
| Net operating income to assets | 0.6366% | 3,270 |
| Return on assets (ROA) | 0.6366% | 3,254 |
| Pretax return on assets | 0.8153% | 3,061 |
| Return on Equity (ROE) | 4.7175% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.7175% | 2,698 |
| Net charge-offs to loans | 0.0016% | 1,774 |
| Credit loss provision to net charge-offs | 2,100.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 112 |
| Efficiency ratio | 73.4967% | 1,796 |
| Assets per employee ($millions) | 7.9875% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,462 |
| Loan loss allowance to noncurrent loans | 219.6046% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 1,900 |
| Noncurrent loans to loans | 0.4867% | 1,811 |
| Net loans and leases to total assets | 61.7827% | 1,886 |
| Net loans and leases to deposits | 73.4197% | 1,664 |
| Net loans and leases to core deposits | 81.5932% | 1,369 |
| Total domestic deposits to total assets | 84.1501% | 3,740 |
| Equity capital to assets | 12.9742% | 691 |
| Core capital (leverage) ratio | 12.4319% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0589% | 748 |
| Memoranda: | ||
| Average total assets | $398,372,500 | 2,059 |
| Average earning assets | $366,811,500 | 2,086 |
| Average equity | $53,757,500 | 1,627 |
| Average total loans | $247,891,000 | 1,948 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2545% | 3,333 |
| Cost of funding earning assets | 0.4042% | 1,519 |
| Net interest margin | 2.8503% | 3,558 |
| Noninterest income to average assets | 0.9910% | 1,020 |
| Noninterest expense to average assets | 2.7173% | 1,588 |
| Loan and lease loss provision to assets | -0.0529% | 4,363 |
| Net operating income to assets | 0.7472% | 3,500 |
| Return on assets (ROA) | 0.8113% | 3,369 |
| Pretax return on assets | 1.0143% | 3,219 |
| Return on Equity (ROE) | 5.6746% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.6746% | 2,493 |
| Net charge-offs to loans | -0.0036% | 3,475 |
| Credit loss provision to net charge-offs | 2,244.4444% | 287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5112% | 1,151 |
| Assets per employee ($millions) | 7.4975% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,464 |
| Loan loss allowance to noncurrent loans | 189.9497% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 1,821 |
| Noncurrent loans to loans | 0.5654% | 1,722 |
| Net loans and leases to total assets | 61.3346% | 2,028 |
| Net loans and leases to deposits | 73.8764% | 1,731 |
| Net loans and leases to core deposits | 82.2383% | 1,446 |
| Total domestic deposits to total assets | 83.0233% | 3,803 |
| Equity capital to assets | 14.0170% | 660 |
| Core capital (leverage) ratio | 12.4749% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6459% | 801 |
| Memoranda: | ||
| Average total assets | $381,846,400 | 2,055 |
| Average earning assets | $349,334,400 | 2,088 |
| Average equity | $54,594,600 | 1,642 |
| Average total loans | $246,823,000 | 1,949 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 3,425 |
| Cost of funding earning assets | 0.4261% | 1,511 |
| Net interest margin | 2.8593% | 3,634 |
| Noninterest income to average assets | 0.5341% | 2,481 |
| Noninterest expense to average assets | 2.4855% | 2,168 |
| Loan and lease loss provision to assets | -0.0257% | 4,373 |
| Net operating income to assets | 0.5463% | 4,107 |
| Return on assets (ROA) | 0.5517% | 4,141 |
| Pretax return on assets | 0.6872% | 4,085 |
| Return on Equity (ROE) | 3.8390% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.8390% | 3,626 |
| Net charge-offs to loans | -0.0059% | 3,489 |
| Credit loss provision to net charge-offs | 663.6364% | 666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1508% | 800 |
| Assets per employee ($millions) | 7.7393% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,327 |
| Loan loss allowance to noncurrent loans | 227.4365% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 2,191 |
| Noncurrent loans to loans | 0.4942% | 2,074 |
| Net loans and leases to total assets | 63.1353% | 1,875 |
| Net loans and leases to deposits | 76.1761% | 1,652 |
| Net loans and leases to core deposits | 85.3358% | 1,334 |
| Total domestic deposits to total assets | 82.8807% | 3,739 |
| Equity capital to assets | 14.1431% | 701 |
| Core capital (leverage) ratio | 12.3815% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0158% | 955 |
| Memoranda: | ||
| Average total assets | $377,966,000 | 2,094 |
| Average earning assets | $344,501,250 | 2,129 |
| Average equity | $54,318,500 | 1,670 |
| Average total loans | $246,936,250 | 1,975 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 3,563 |
| Cost of funding earning assets | 0.4433% | 1,567 |
| Net interest margin | 2.8050% | 3,780 |
| Noninterest income to average assets | 0.5350% | 2,467 |
| Noninterest expense to average assets | 2.4296% | 2,368 |
| Loan and lease loss provision to assets | 0.0224% | 2,524 |
| Net operating income to assets | 0.5146% | 4,192 |
| Return on assets (ROA) | 0.5142% | 4,231 |
| Pretax return on assets | 0.6342% | 4,182 |
| Return on Equity (ROE) | 3.5584% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.5584% | 3,665 |
| Net charge-offs to loans | -0.0089% | 3,630 |
| Credit loss provision to net charge-offs | -381.8182% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7109% | 871 |
| Assets per employee ($millions) | 7.0398% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,000 |
| Loan loss allowance to noncurrent loans | 178.7392% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 1,917 |
| Noncurrent loans to loans | 0.6652% | 1,760 |
| Net loans and leases to total assets | 63.2222% | 2,040 |
| Net loans and leases to deposits | 77.0303% | 1,725 |
| Net loans and leases to core deposits | 86.7516% | 1,367 |
| Total domestic deposits to total assets | 82.0745% | 3,910 |
| Equity capital to assets | 14.3672% | 646 |
| Core capital (leverage) ratio | 12.4237% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3591% | 775 |
| Memoranda: | ||
| Average total assets | $374,966,000 | 2,094 |
| Average earning assets | $341,101,333 | 2,131 |
| Average equity | $54,181,667 | 1,663 |
| Average total loans | $246,885,333 | 1,985 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 3,412 |
| Cost of funding earning assets | 0.4656% | 1,619 |
| Net interest margin | 2.8479% | 3,645 |
| Noninterest income to average assets | 0.5392% | 2,439 |
| Noninterest expense to average assets | 2.3933% | 2,513 |
| Loan and lease loss provision to assets | 0.0419% | 2,226 |
| Net operating income to assets | 0.5521% | 4,065 |
| Return on assets (ROA) | 0.5521% | 4,106 |
| Pretax return on assets | 0.6864% | 4,046 |
| Return on Equity (ROE) | 3.8099% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.8099% | 3,558 |
| Net charge-offs to loans | -0.0048% | 3,381 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6690% | 1,071 |
| Assets per employee ($millions) | 7.4387% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,130 |
| Loan loss allowance to noncurrent loans | 153.7353% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,910 |
| Noncurrent loans to loans | 0.7568% | 1,723 |
| Net loans and leases to total assets | 64.5103% | 1,980 |
| Net loans and leases to deposits | 78.3929% | 1,683 |
| Net loans and leases to core deposits | 87.7252% | 1,390 |
| Total domestic deposits to total assets | 82.2910% | 3,834 |
| Equity capital to assets | 14.1152% | 647 |
| Core capital (leverage) ratio | 12.6333% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9162% | 944 |
| Memoranda: | ||
| Average total assets | $372,373,500 | 2,095 |
| Average earning assets | $337,650,000 | 2,135 |
| Average equity | $53,964,000 | 1,653 |
| Average total loans | $248,712,000 | 1,974 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 2,767 |
| Cost of funding earning assets | 0.6959% | 1,732 |
| Net interest margin | 3.2928% | 3,085 |
| Noninterest income to average assets | 0.5407% | 2,466 |
| Noninterest expense to average assets | 2.6323% | 2,445 |
| Loan and lease loss provision to assets | 0.2208% | 1,771 |
| Net operating income to assets | 0.5323% | 3,960 |
| Return on assets (ROA) | 0.6175% | 3,814 |
| Pretax return on assets | 0.7641% | 3,723 |
| Return on Equity (ROE) | 4.0202% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.0202% | 2,809 |
| Net charge-offs to loans | 0.0190% | 2,691 |
| Credit loss provision to net charge-offs | 1,656.5217% | 508 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,014 |
| Efficiency ratio | 74.4719% | 1,385 |
| Assets per employee ($millions) | 6.8939% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,276 |
| Loan loss allowance to noncurrent loans | 155.0519% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 2,069 |
| Noncurrent loans to loans | 0.7330% | 1,872 |
| Net loans and leases to total assets | 67.5936% | 1,872 |
| Net loans and leases to deposits | 83.1602% | 1,529 |
| Net loans and leases to core deposits | 93.0561% | 1,304 |
| Total domestic deposits to total assets | 81.2811% | 3,814 |
| Equity capital to assets | 14.8831% | 592 |
| Core capital (leverage) ratio | 12.9786% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,103,400 | 2,076 |
| Average earning assets | $311,404,000 | 2,108 |
| Average equity | $53,006,800 | 1,602 |
| Average total loans | $242,027,400 | 1,958 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,514 |
| Cost of funding earning assets | 0.7526% | 1,727 |
| Net interest margin | 3.4005% | 2,920 |
| Noninterest income to average assets | 0.5611% | 2,347 |
| Noninterest expense to average assets | 2.6518% | 2,383 |
| Loan and lease loss provision to assets | 0.2761% | 1,454 |
| Net operating income to assets | 0.5694% | 3,856 |
| Return on assets (ROA) | 0.5799% | 3,928 |
| Pretax return on assets | 0.7183% | 3,865 |
| Return on Equity (ROE) | 3.7444% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.7444% | 3,170 |
| Net charge-offs to loans | -0.0067% | 4,123 |
| Credit loss provision to net charge-offs | -5,866.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3613% | 1,601 |
| Assets per employee ($millions) | 7.0839% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,956 |
| Loan loss allowance to noncurrent loans | 157.7222% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 2,213 |
| Noncurrent loans to loans | 0.7270% | 1,984 |
| Net loans and leases to total assets | 67.7455% | 2,279 |
| Net loans and leases to deposits | 85.1400% | 1,795 |
| Net loans and leases to core deposits | 95.7177% | 1,480 |
| Total domestic deposits to total assets | 79.5696% | 3,950 |
| Equity capital to assets | 14.8821% | 663 |
| Core capital (leverage) ratio | 12.6448% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,035,500 | 2,078 |
| Average earning assets | $307,203,250 | 2,116 |
| Average equity | $52,663,750 | 1,602 |
| Average total loans | $240,082,000 | 1,971 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,013 |
| Cost of funding earning assets | 0.8539% | 1,581 |
| Net interest margin | 3.6124% | 2,446 |
| Noninterest income to average assets | 0.4607% | 2,759 |
| Noninterest expense to average assets | 2.7115% | 2,348 |
| Loan and lease loss provision to assets | 0.2859% | 1,502 |
| Net operating income to assets | 0.5782% | 3,808 |
| Return on assets (ROA) | 0.5941% | 3,839 |
| Pretax return on assets | 0.7382% | 3,774 |
| Return on Equity (ROE) | 3.7823% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.7823% | 3,020 |
| Net charge-offs to loans | 0.0008% | 3,007 |
| Credit loss provision to net charge-offs | 47,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,672.0000% | 44 |
| Efficiency ratio | 72.9712% | 1,570 |
| Assets per employee ($millions) | 7.0536% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,339 |
| Loan loss allowance to noncurrent loans | 128.0434% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 1,844 |
| Noncurrent loans to loans | 0.8170% | 1,861 |
| Net loans and leases to total assets | 69.6789% | 2,081 |
| Net loans and leases to deposits | 86.0581% | 1,757 |
| Net loans and leases to core deposits | 96.6883% | 1,523 |
| Total domestic deposits to total assets | 80.9673% | 3,615 |
| Equity capital to assets | 15.0895% | 604 |
| Core capital (leverage) ratio | 13.2057% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,954,000 | 2,080 |
| Average earning assets | $300,021,667 | 2,129 |
| Average equity | $52,296,333 | 1,596 |
| Average total loans | $237,579,333 | 1,968 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 2,106 |
| Cost of funding earning assets | 0.8206% | 2,275 |
| Net interest margin | 3.7473% | 2,156 |
| Noninterest income to average assets | 0.5658% | 2,204 |
| Noninterest expense to average assets | 2.7633% | 2,537 |
| Loan and lease loss provision to assets | 0.2228% | 1,388 |
| Net operating income to assets | 0.7416% | 3,125 |
| Return on assets (ROA) | 0.7416% | 3,203 |
| Pretax return on assets | 0.9434% | 3,023 |
| Return on Equity (ROE) | 4.6223% | 3,775 |
| Retained earnings to average equity (ytd only) | 4.6223% | 2,448 |
| Net charge-offs to loans | 0.0017% | 2,537 |
| Credit loss provision to net charge-offs | 18,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 942.0000% | 58 |
| Efficiency ratio | 70.3214% | 2,305 |
| Assets per employee ($millions) | 6.4871% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,762 |
| Loan loss allowance to noncurrent loans | 165.1363% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 2,406 |
| Noncurrent loans to loans | 0.5999% | 2,495 |
| Net loans and leases to total assets | 70.9330% | 2,101 |
| Net loans and leases to deposits | 89.6189% | 1,555 |
| Net loans and leases to core deposits | 101.8847% | 1,334 |
| Total domestic deposits to total assets | 79.1495% | 4,018 |
| Equity capital to assets | 16.0625% | 574 |
| Core capital (leverage) ratio | 13.8520% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,090,000 | 2,077 |
| Average earning assets | $290,023,500 | 2,133 |
| Average equity | $51,835,500 | 1,605 |
| Average total loans | $232,197,500 | 1,977 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 3,366 |
| Cost of funding earning assets | 0.8247% | 2,566 |
| Net interest margin | 3.5353% | 3,328 |
| Noninterest income to average assets | 0.5863% | 2,289 |
| Noninterest expense to average assets | 2.7720% | 2,687 |
| Loan and lease loss provision to assets | 0.0763% | 2,466 |
| Net operating income to assets | 0.7095% | 3,843 |
| Return on assets (ROA) | 0.7324% | 3,828 |
| Pretax return on assets | 0.9258% | 3,663 |
| Return on Equity (ROE) | 4.5909% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.5909% | 2,656 |
| Net charge-offs to loans | -0.0043% | 4,321 |
| Credit loss provision to net charge-offs | -2,390.0000% | 4,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0179% | 1,599 |
| Assets per employee ($millions) | 6.4365% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 3,899 |
| Loan loss allowance to noncurrent loans | 151.9685% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 2,293 |
| Noncurrent loans to loans | 0.6021% | 2,379 |
| Net loans and leases to total assets | 71.4349% | 2,181 |
| Net loans and leases to deposits | 91.0980% | 1,472 |
| Net loans and leases to core deposits | 103.6268% | 1,254 |
| Total domestic deposits to total assets | 78.4155% | 4,294 |
| Equity capital to assets | 16.0246% | 600 |
| Core capital (leverage) ratio | 13.5919% | 1,027 |
| Tier 1 risk-based capital ratio | 18.6547% | 1,601 |
| Total risk-based capital ratio | 19.5892% | 1,648 |
| Memoranda: | ||
| Average total assets | $313,344,400 | 2,084 |
| Average earning assets | $279,977,000 | 2,146 |
| Average equity | $49,990,600 | 1,601 |
| Average total loans | $230,562,400 | 1,952 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 3,370 |
| Cost of funding earning assets | 0.8098% | 2,662 |
| Net interest margin | 3.5860% | 3,288 |
| Noninterest income to average assets | 0.5929% | 2,243 |
| Noninterest expense to average assets | 2.7773% | 2,631 |
| Loan and lease loss provision to assets | 0.0557% | 2,797 |
| Net operating income to assets | 0.7593% | 3,813 |
| Return on assets (ROA) | 0.7711% | 3,838 |
| Pretax return on assets | 0.9789% | 3,653 |
| Return on Equity (ROE) | 4.8390% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.8390% | 2,967 |
| Net charge-offs to loans | -0.0017% | 4,044 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1468% | 1,682 |
| Assets per employee ($millions) | 6.4524% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,173 |
| Loan loss allowance to noncurrent loans | 150.2246% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 2,425 |
| Noncurrent loans to loans | 0.5772% | 2,565 |
| Net loans and leases to total assets | 71.1260% | 2,302 |
| Net loans and leases to deposits | 90.4168% | 1,645 |
| Net loans and leases to core deposits | 102.3392% | 1,470 |
| Total domestic deposits to total assets | 78.6646% | 4,234 |
| Equity capital to assets | 15.8345% | 667 |
| Core capital (leverage) ratio | 13.7133% | 1,072 |
| Tier 1 risk-based capital ratio | 18.5379% | 1,678 |
| Total risk-based capital ratio | 19.4269% | 1,728 |
| Memoranda: | ||
| Average total assets | $311,224,750 | 2,104 |
| Average earning assets | $278,074,750 | 2,176 |
| Average equity | $49,595,500 | 1,615 |
| Average total loans | $230,198,750 | 1,970 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 3,294 |
| Cost of funding earning assets | 0.7844% | 2,716 |
| Net interest margin | 3.6312% | 3,157 |
| Noninterest income to average assets | 0.5849% | 2,222 |
| Noninterest expense to average assets | 2.7903% | 2,626 |
| Loan and lease loss provision to assets | 0.0833% | 2,175 |
| Net operating income to assets | 0.7528% | 3,815 |
| Return on assets (ROA) | 0.7703% | 3,819 |
| Pretax return on assets | 0.9771% | 3,627 |
| Return on Equity (ROE) | 4.8229% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.8229% | 2,852 |
| Net charge-offs to loans | -0.0035% | 4,055 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8802% | 1,794 |
| Assets per employee ($millions) | 6.3397% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,218 |
| Loan loss allowance to noncurrent loans | 211.3804% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 2,796 |
| Noncurrent loans to loans | 0.4092% | 3,065 |
| Net loans and leases to total assets | 74.0100% | 1,889 |
| Net loans and leases to deposits | 94.6762% | 1,185 |
| Net loans and leases to core deposits | 103.9109% | 1,391 |
| Total domestic deposits to total assets | 78.1717% | 4,360 |
| Equity capital to assets | 16.1710% | 590 |
| Core capital (leverage) ratio | 14.0225% | 953 |
| Tier 1 risk-based capital ratio | 18.1365% | 1,770 |
| Total risk-based capital ratio | 19.0173% | 1,815 |
| Memoranda: | ||
| Average total assets | $307,426,670 | 2,136 |
| Average earning assets | $274,622,000 | 2,197 |
| Average equity | $49,099,000 | 1,622 |
| Average total loans | $229,774,000 | 1,977 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 3,118 |
| Cost of funding earning assets | 0.7715% | 2,680 |
| Net interest margin | 3.6585% | 3,049 |
| Noninterest income to average assets | 0.5899% | 2,096 |
| Noninterest expense to average assets | 2.7755% | 2,661 |
| Loan and lease loss provision to assets | 0.1046% | 1,691 |
| Net operating income to assets | 0.7692% | 3,714 |
| Return on assets (ROA) | 0.7795% | 3,737 |
| Pretax return on assets | 0.9914% | 3,466 |
| Return on Equity (ROE) | 4.9123% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.9123% | 2,945 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9322% | 2,050 |
| Assets per employee ($millions) | 6.0869% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 4,337 |
| Loan loss allowance to noncurrent loans | 221.2911% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,645 |
| Noncurrent loans to loans | 0.3852% | 3,204 |
| Net loans and leases to total assets | 74.6723% | 1,694 |
| Net loans and leases to deposits | 94.0421% | 1,173 |
| Net loans and leases to core deposits | 105.0233% | 1,243 |
| Total domestic deposits to total assets | 79.4031% | 4,274 |
| Equity capital to assets | 16.1405% | 552 |
| Core capital (leverage) ratio | 13.8475% | 988 |
| Tier 1 risk-based capital ratio | 18.2151% | 1,736 |
| Total risk-based capital ratio | 19.0885% | 1,796 |
| Memoranda: | ||
| Average total assets | $305,818,500 | 2,164 |
| Average earning assets | $273,230,000 | 2,216 |
| Average equity | $48,531,500 | 1,617 |
| Average total loans | $228,704,500 | 2,002 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 3,543 |
| Cost of funding earning assets | 0.5967% | 2,747 |
| Net interest margin | 3.5685% | 3,488 |
| Noninterest income to average assets | 0.6776% | 1,937 |
| Noninterest expense to average assets | 2.7395% | 2,893 |
| Loan and lease loss provision to assets | 0.1775% | 1,111 |
| Net operating income to assets | 0.7344% | 4,028 |
| Return on assets (ROA) | 0.7729% | 3,906 |
| Pretax return on assets | 0.9881% | 3,647 |
| Return on Equity (ROE) | 5.0114% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.0114% | 2,762 |
| Net charge-offs to loans | 0.2108% | 911 |
| Credit loss provision to net charge-offs | 115.0743% | 2,254 |
| Earnings coverage of net charge-offs (x) | 7.2399% | 3,007 |
| Efficiency ratio | 71.0403% | 2,037 |
| Assets per employee ($millions) | 6.1458% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,460 |
| Loan loss allowance to noncurrent loans | 194.1969% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 2,538 |
| Noncurrent loans to loans | 0.4229% | 3,026 |
| Net loans and leases to total assets | 73.6496% | 1,982 |
| Net loans and leases to deposits | 93.3902% | 1,349 |
| Net loans and leases to core deposits | 104.8871% | 1,354 |
| Total domestic deposits to total assets | 78.8623% | 4,338 |
| Equity capital to assets | 15.6009% | 599 |
| Core capital (leverage) ratio | 13.5361% | 1,065 |
| Tier 1 risk-based capital ratio | 18.1405% | 1,717 |
| Total risk-based capital ratio | 18.9874% | 1,787 |
| Memoranda: | ||
| Average total assets | $305,342,200 | 2,119 |
| Average earning assets | $271,989,000 | 2,184 |
| Average equity | $47,092,200 | 1,596 |
| Average total loans | $223,421,400 | 2,000 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 3,643 |
| Cost of funding earning assets | 0.5434% | 2,910 |
| Net interest margin | 3.5530% | 3,513 |
| Noninterest income to average assets | 0.6801% | 1,939 |
| Noninterest expense to average assets | 2.6801% | 3,030 |
| Loan and lease loss provision to assets | 0.1207% | 1,676 |
| Net operating income to assets | 0.8166% | 3,855 |
| Return on assets (ROA) | 0.8039% | 3,892 |
| Pretax return on assets | 1.0256% | 3,647 |
| Return on Equity (ROE) | 5.2274% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.2274% | 3,101 |
| Net charge-offs to loans | 0.1368% | 1,186 |
| Credit loss provision to net charge-offs | 121.0526% | 1,977 |
| Earnings coverage of net charge-offs (x) | 11.6580% | 2,499 |
| Efficiency ratio | 69.7473% | 2,239 |
| Assets per employee ($millions) | 6.3221% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,550 |
| Loan loss allowance to noncurrent loans | 108.3724% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 1,957 |
| Noncurrent loans to loans | 0.7560% | 2,196 |
| Net loans and leases to total assets | 72.3282% | 2,285 |
| Net loans and leases to deposits | 91.7527% | 1,653 |
| Net loans and leases to core deposits | 102.2904% | 1,582 |
| Total domestic deposits to total assets | 78.8295% | 4,352 |
| Equity capital to assets | 15.3536% | 650 |
| Core capital (leverage) ratio | 13.2495% | 1,190 |
| Tier 1 risk-based capital ratio | 17.7549% | 1,856 |
| Total risk-based capital ratio | 18.6800% | 1,908 |
| Memoranda: | ||
| Average total assets | $304,855,250 | 2,132 |
| Average earning assets | $271,350,250 | 2,199 |
| Average equity | $46,880,250 | 1,597 |
| Average total loans | $222,228,750 | 2,013 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,616 |
| Cost of funding earning assets | 0.4902% | 3,086 |
| Net interest margin | 3.5574% | 3,444 |
| Noninterest income to average assets | 0.7282% | 1,751 |
| Noninterest expense to average assets | 2.7294% | 2,911 |
| Loan and lease loss provision to assets | 0.0818% | 2,272 |
| Net operating income to assets | 0.8413% | 3,712 |
| Return on assets (ROA) | 0.8251% | 3,777 |
| Pretax return on assets | 1.0606% | 3,473 |
| Return on Equity (ROE) | 5.3620% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,898 |
| Net charge-offs to loans | 0.1204% | 1,210 |
| Credit loss provision to net charge-offs | 93.2331% | 2,128 |
| Earnings coverage of net charge-offs (x) | 13.2556% | 2,156 |
| Efficiency ratio | 70.1237% | 2,291 |
| Assets per employee ($millions) | 6.2522% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7975% | 4,709 |
| Loan loss allowance to noncurrent loans | 108.7932% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 1,774 |
| Noncurrent loans to loans | 0.7331% | 2,277 |
| Net loans and leases to total assets | 72.8404% | 2,144 |
| Net loans and leases to deposits | 90.9915% | 1,711 |
| Net loans and leases to core deposits | 101.4272% | 1,611 |
| Total domestic deposits to total assets | 80.0519% | 4,227 |
| Equity capital to assets | 15.3656% | 615 |
| Core capital (leverage) ratio | 13.5037% | 1,062 |
| Tier 1 risk-based capital ratio | 17.6989% | 1,889 |
| Total risk-based capital ratio | 18.6005% | 1,938 |
| Memoranda: | ||
| Average total assets | $303,221,000 | 2,148 |
| Average earning assets | $269,691,330 | 2,213 |
| Average equity | $46,661,670 | 1,611 |
| Average total loans | $221,000,670 | 2,022 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,714 |
| Cost of funding earning assets | 0.4616% | 3,113 |
| Net interest margin | 3.5113% | 3,495 |
| Noninterest income to average assets | 0.8593% | 1,265 |
| Noninterest expense to average assets | 2.7369% | 2,917 |
| Loan and lease loss provision to assets | 0.0849% | 2,106 |
| Net operating income to assets | 0.9025% | 3,276 |
| Return on assets (ROA) | 0.8606% | 3,469 |
| Pretax return on assets | 1.1112% | 3,134 |
| Return on Equity (ROE) | 5.5881% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.5881% | 2,910 |
| Net charge-offs to loans | -0.1516% | 5,319 |
| Credit loss provision to net charge-offs | -77.1084% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6627% | 2,725 |
| Assets per employee ($millions) | 6.1574% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,484 |
| Loan loss allowance to noncurrent loans | 151.2801% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,365 |
| Noncurrent loans to loans | 0.5887% | 2,772 |
| Net loans and leases to total assets | 71.9253% | 2,180 |
| Net loans and leases to deposits | 90.8428% | 1,576 |
| Net loans and leases to core deposits | 99.8482% | 1,699 |
| Total domestic deposits to total assets | 79.1756% | 4,552 |
| Equity capital to assets | 15.4514% | 574 |
| Core capital (leverage) ratio | 13.2855% | 1,076 |
| Tier 1 risk-based capital ratio | 17.7540% | 1,907 |
| Total risk-based capital ratio | 18.7408% | 1,934 |
| Memoranda: | ||
| Average total assets | $301,651,500 | 2,181 |
| Average earning assets | $268,618,500 | 2,238 |
| Average equity | $46,455,500 | 1,629 |
| Average total loans | $219,027,000 | 2,049 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 3,929 |
| Cost of funding earning assets | 0.4438% | 2,837 |
| Net interest margin | 3.3919% | 3,875 |
| Noninterest income to average assets | 0.2229% | 4,813 |
| Noninterest expense to average assets | 2.6119% | 3,407 |
| Loan and lease loss provision to assets | 0.0995% | 2,232 |
| Net operating income to assets | 0.4398% | 4,564 |
| Return on assets (ROA) | 0.4395% | 4,594 |
| Pretax return on assets | 0.5938% | 4,754 |
| Return on Equity (ROE) | 2.8973% | 4,859 |
| Retained earnings to average equity (ytd only) | 2.8973% | 3,574 |
| Net charge-offs to loans | 0.2506% | 1,043 |
| Credit loss provision to net charge-offs | 55.0459% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.8367% | 3,547 |
| Efficiency ratio | 76.1766% | 1,591 |
| Assets per employee ($millions) | 6.1549% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,762 |
| Loan loss allowance to noncurrent loans | 115.7996% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 2,177 |
| Noncurrent loans to loans | 0.7106% | 2,429 |
| Net loans and leases to total assets | 72.0491% | 2,226 |
| Net loans and leases to deposits | 92.2935% | 1,482 |
| Net loans and leases to core deposits | 101.5625% | 1,582 |
| Total domestic deposits to total assets | 78.0653% | 4,708 |
| Equity capital to assets | 15.3493% | 614 |
| Core capital (leverage) ratio | 13.0596% | 1,124 |
| Tier 1 risk-based capital ratio | 17.6338% | 1,907 |
| Total risk-based capital ratio | 18.6531% | 1,925 |
| Memoranda: | ||
| Average total assets | $301,462,400 | 2,159 |
| Average earning assets | $273,976,000 | 2,188 |
| Average equity | $45,731,800 | 1,640 |
| Average total loans | $217,439,600 | 2,018 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 3,973 |
| Cost of funding earning assets | 0.4426% | 2,782 |
| Net interest margin | 3.3671% | 3,962 |
| Noninterest income to average assets | 0.3375% | 4,118 |
| Noninterest expense to average assets | 2.7725% | 2,820 |
| Loan and lease loss provision to assets | 0.1309% | 1,660 |
| Net operating income to assets | 0.5759% | 4,476 |
| Return on assets (ROA) | 0.5755% | 4,526 |
| Pretax return on assets | 0.5091% | 5,012 |
| Return on Equity (ROE) | 3.8047% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.8047% | 3,657 |
| Net charge-offs to loans | 0.2709% | 800 |
| Credit loss provision to net charge-offs | 67.1202% | 2,723 |
| Earnings coverage of net charge-offs (x) | 3.2834% | 3,359 |
| Efficiency ratio | 77.5661% | 1,390 |
| Assets per employee ($millions) | 6.1141% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,692 |
| Loan loss allowance to noncurrent loans | 213.1019% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 2,787 |
| Noncurrent loans to loans | 0.4079% | 3,476 |
| Net loans and leases to total assets | 72.4346% | 2,195 |
| Net loans and leases to deposits | 93.2033% | 1,396 |
| Net loans and leases to core deposits | 102.6751% | 1,490 |
| Total domestic deposits to total assets | 77.7168% | 4,768 |
| Equity capital to assets | 15.4640% | 639 |
| Core capital (leverage) ratio | 15.2791% | 611 |
| Tier 1 risk-based capital ratio | 21.1592% | 1,169 |
| Total risk-based capital ratio | 22.2185% | 1,174 |
| Memoranda: | ||
| Average total assets | $301,430,500 | 2,177 |
| Average earning assets | $275,323,500 | 2,197 |
| Average equity | $45,591,750 | 1,663 |
| Average total loans | $217,025,500 | 2,028 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,018 |
| Cost of funding earning assets | 0.4413% | 2,681 |
| Net interest margin | 3.3243% | 4,036 |
| Noninterest income to average assets | 0.3410% | 4,112 |
| Noninterest expense to average assets | 2.7652% | 2,876 |
| Loan and lease loss provision to assets | 0.1655% | 1,201 |
| Net operating income to assets | 0.5734% | 4,416 |
| Return on assets (ROA) | 0.5728% | 4,476 |
| Pretax return on assets | 0.4476% | 5,088 |
| Return on Equity (ROE) | 3.8151% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.8151% | 3,421 |
| Net charge-offs to loans | 0.4104% | 494 |
| Credit loss provision to net charge-offs | 56.3063% | 2,490 |
| Earnings coverage of net charge-offs (x) | 2.0878% | 3,206 |
| Efficiency ratio | 76.2885% | 1,675 |
| Assets per employee ($millions) | 6.0461% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 4,793 |
| Loan loss allowance to noncurrent loans | 176.4034% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 2,326 |
| Noncurrent loans to loans | 0.4868% | 3,290 |
| Net loans and leases to total assets | 72.2440% | 2,162 |
| Net loans and leases to deposits | 93.6460% | 1,301 |
| Net loans and leases to core deposits | 103.4842% | 1,393 |
| Total domestic deposits to total assets | 77.1459% | 4,936 |
| Equity capital to assets | 15.4862% | 618 |
| Core capital (leverage) ratio | 15.1894% | 599 |
| Tier 1 risk-based capital ratio | 20.9928% | 1,183 |
| Total risk-based capital ratio | 22.0207% | 1,201 |
| Memoranda: | ||
| Average total assets | $302,043,000 | 2,179 |
| Average earning assets | $276,026,330 | 2,193 |
| Average equity | $45,346,000 | 1,670 |
| Average total loans | $216,396,670 | 2,036 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 3,951 |
| Cost of funding earning assets | 0.4439% | 2,580 |
| Net interest margin | 3.3010% | 4,005 |
| Noninterest income to average assets | 0.3437% | 4,094 |
| Noninterest expense to average assets | 2.7481% | 2,960 |
| Loan and lease loss provision to assets | 0.1771% | 990 |
| Net operating income to assets | 0.5864% | 4,212 |
| Return on assets (ROA) | 0.5850% | 4,265 |
| Pretax return on assets | 0.4316% | 5,098 |
| Return on Equity (ROE) | 3.9575% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,469 |
| Net charge-offs to loans | 0.0351% | 2,083 |
| Credit loss provision to net charge-offs | 710.5263% | 452 |
| Earnings coverage of net charge-offs (x) | 24.4737% | 1,357 |
| Efficiency ratio | 81.8359% | 1,179 |
| Assets per employee ($millions) | 6.2319% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,255 |
| Loan loss allowance to noncurrent loans | 159.4694% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 2,636 |
| Noncurrent loans to loans | 0.6295% | 2,940 |
| Net loans and leases to total assets | 69.8823% | 2,405 |
| Net loans and leases to deposits | 92.7320% | 1,249 |
| Net loans and leases to core deposits | 102.3173% | 1,348 |
| Total domestic deposits to total assets | 75.3594% | 5,304 |
| Equity capital to assets | 14.8548% | 682 |
| Core capital (leverage) ratio | 14.7119% | 665 |
| Tier 1 risk-based capital ratio | 20.8448% | 1,240 |
| Total risk-based capital ratio | 22.0194% | 1,228 |
| Memoranda: | ||
| Average total assets | $304,936,000 | 2,183 |
| Average earning assets | $278,465,000 | 2,197 |
| Average equity | $45,079,500 | 1,684 |
| Average total loans | $216,654,000 | 2,048 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 3,921 |
| Cost of funding earning assets | 0.4653% | 2,394 |
| Net interest margin | 3.3326% | 4,048 |
| Noninterest income to average assets | 0.3842% | 4,005 |
| Noninterest expense to average assets | 2.8323% | 2,913 |
| Loan and lease loss provision to assets | 0.1596% | 1,551 |
| Net operating income to assets | 0.4049% | 4,923 |
| Return on assets (ROA) | 0.5585% | 4,505 |
| Pretax return on assets | 0.5849% | 4,827 |
| Return on Equity (ROE) | 3.6170% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.6170% | 3,348 |
| Net charge-offs to loans | 0.0697% | 2,698 |
| Credit loss provision to net charge-offs | 310.1351% | 959 |
| Earnings coverage of net charge-offs (x) | 11.3243% | 2,547 |
| Efficiency ratio | 82.9345% | 1,101 |
| Assets per employee ($millions) | 6.2145% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,621 |
| Loan loss allowance to noncurrent loans | 127.5218% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,439 |
| Noncurrent loans to loans | 0.7375% | 2,685 |
| Net loans and leases to total assets | 70.8358% | 2,364 |
| Net loans and leases to deposits | 94.5120% | 1,143 |
| Net loans and leases to core deposits | 104.1400% | 1,270 |
| Total domestic deposits to total assets | 74.9489% | 5,360 |
| Equity capital to assets | 14.7115% | 688 |
| Core capital (leverage) ratio | 15.5500% | 523 |
| Tier 1 risk-based capital ratio | 20.4419% | 1,295 |
| Total risk-based capital ratio | 21.5452% | 1,298 |
| Memoranda: | ||
| Average total assets | $287,573,400 | 2,236 |
| Average earning assets | $261,534,200 | 2,273 |
| Average equity | $44,401,600 | 1,678 |
| Average total loans | $212,220,200 | 2,030 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 3,809 |
| Cost of funding earning assets | 0.4736% | 2,330 |
| Net interest margin | 3.3637% | 3,980 |
| Noninterest income to average assets | 0.3887% | 3,999 |
| Noninterest expense to average assets | 2.8413% | 2,864 |
| Loan and lease loss provision to assets | 0.2150% | 974 |
| Net operating income to assets | 0.3524% | 5,160 |
| Return on assets (ROA) | 0.5468% | 4,617 |
| Pretax return on assets | 0.6061% | 4,863 |
| Return on Equity (ROE) | 3.4971% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.4971% | 3,799 |
| Net charge-offs to loans | 0.0923% | 2,028 |
| Credit loss provision to net charge-offs | 313.0137% | 999 |
| Earnings coverage of net charge-offs (x) | 8.8083% | 2,730 |
| Efficiency ratio | 82.4413% | 1,141 |
| Assets per employee ($millions) | 6.1415% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 4,691 |
| Loan loss allowance to noncurrent loans | 144.2254% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 2,700 |
| Noncurrent loans to loans | 0.6543% | 3,060 |
| Net loans and leases to total assets | 74.4780% | 1,791 |
| Net loans and leases to deposits | 101.9235% | 578 |
| Net loans and leases to core deposits | 113.2576% | 754 |
| Total domestic deposits to total assets | 73.0725% | 5,517 |
| Equity capital to assets | 15.5362% | 625 |
| Core capital (leverage) ratio | 15.3543% | 575 |
| Tier 1 risk-based capital ratio | 20.8481% | 1,297 |
| Total risk-based capital ratio | 21.9745% | 1,293 |
| Memoranda: | ||
| Average total assets | $283,339,250 | 2,269 |
| Average earning assets | $257,568,250 | 2,308 |
| Average equity | $44,302,500 | 1,685 |
| Average total loans | $210,837,750 | 2,045 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 3,779 |
| Cost of funding earning assets | 0.4771% | 2,298 |
| Net interest margin | 3.3721% | 3,994 |
| Noninterest income to average assets | 0.3921% | 3,929 |
| Noninterest expense to average assets | 2.6736% | 3,470 |
| Loan and lease loss provision to assets | 0.1754% | 1,248 |
| Net operating income to assets | 0.4442% | 4,887 |
| Return on assets (ROA) | 0.5398% | 4,631 |
| Pretax return on assets | 0.7345% | 4,518 |
| Return on Equity (ROE) | 3.4450% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.4450% | 3,700 |
| Net charge-offs to loans | 0.1341% | 1,525 |
| Credit loss provision to net charge-offs | 176.4286% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.8500% | 2,583 |
| Efficiency ratio | 77.4008% | 1,870 |
| Assets per employee ($millions) | 5.7518% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 5,095 |
| Loan loss allowance to noncurrent loans | 113.8975% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,488 |
| Noncurrent loans to loans | 0.7565% | 2,849 |
| Net loans and leases to total assets | 73.7705% | 1,886 |
| Net loans and leases to deposits | 100.3738% | 666 |
| Net loans and leases to core deposits | 111.4792% | 846 |
| Total domestic deposits to total assets | 73.4958% | 5,567 |
| Equity capital to assets | 15.5410% | 618 |
| Core capital (leverage) ratio | 15.3331% | 549 |
| Tier 1 risk-based capital ratio | 19.7697% | 1,508 |
| Total risk-based capital ratio | 20.8103% | 1,511 |
| Memoranda: | ||
| Average total assets | $281,569,330 | 2,293 |
| Average earning assets | $255,685,670 | 2,336 |
| Average equity | $44,121,670 | 1,696 |
| Average total loans | $208,774,330 | 2,066 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 3,809 |
| Cost of funding earning assets | 0.4812% | 2,263 |
| Net interest margin | 3.3590% | 4,009 |
| Noninterest income to average assets | 0.3994% | 3,838 |
| Noninterest expense to average assets | 2.7970% | 3,082 |
| Loan and lease loss provision to assets | 0.1471% | 1,434 |
| Net operating income to assets | 0.3827% | 5,048 |
| Return on assets (ROA) | 0.5118% | 4,690 |
| Pretax return on assets | 0.6892% | 4,558 |
| Return on Equity (ROE) | 3.2611% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,863 |
| Net charge-offs to loans | 0.2697% | 780 |
| Credit loss provision to net charge-offs | 73.3813% | 1,885 |
| Earnings coverage of net charge-offs (x) | 3.3022% | 2,560 |
| Efficiency ratio | 80.8670% | 1,499 |
| Assets per employee ($millions) | 6.1144% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 5,314 |
| Loan loss allowance to noncurrent loans | 182.5994% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,873 |
| Noncurrent loans to loans | 0.4483% | 3,836 |
| Net loans and leases to total assets | 73.2314% | 1,842 |
| Net loans and leases to deposits | 100.0870% | 618 |
| Net loans and leases to core deposits | 111.6307% | 770 |
| Total domestic deposits to total assets | 73.1677% | 5,685 |
| Equity capital to assets | 15.5993% | 582 |
| Core capital (leverage) ratio | 14.4387% | 707 |
| Tier 1 risk-based capital ratio | 19.9536% | 1,508 |
| Total risk-based capital ratio | 20.9291% | 1,540 |
| Memoranda: | ||
| Average total assets | $277,436,500 | 2,329 |
| Average earning assets | $252,697,500 | 2,368 |
| Average equity | $43,544,000 | 1,712 |
| Average total loans | $206,162,000 | 2,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,794 |
| Cost of funding earning assets | 0.5061% | 2,107 |
| Net interest margin | 3.3669% | 4,051 |
| Noninterest income to average assets | 0.3928% | 4,083 |
| Noninterest expense to average assets | 2.7850% | 3,299 |
| Loan and lease loss provision to assets | 0.0673% | 2,946 |
| Net operating income to assets | 0.3722% | 5,131 |
| Return on assets (ROA) | 0.4436% | 4,991 |
| Pretax return on assets | 0.6791% | 4,586 |
| Return on Equity (ROE) | 2.7571% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.7571% | 4,111 |
| Net charge-offs to loans | 0.1282% | 2,087 |
| Credit loss provision to net charge-offs | 71.0317% | 3,110 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 3,178 |
| Efficiency ratio | 81.3943% | 1,492 |
| Assets per employee ($millions) | 5.9481% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 5,270 |
| Loan loss allowance to noncurrent loans | 183.6152% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,526 |
| Noncurrent loans to loans | 0.4622% | 3,815 |
| Net loans and leases to total assets | 74.1619% | 1,701 |
| Net loans and leases to deposits | 100.8253% | 622 |
| Net loans and leases to core deposits | 112.7055% | 734 |
| Total domestic deposits to total assets | 73.5548% | 5,685 |
| Equity capital to assets | 15.7936% | 547 |
| Core capital (leverage) ratio | 14.6228% | 685 |
| Tier 1 risk-based capital ratio | 22.9242% | 1,022 |
| Total risk-based capital ratio | 24.0792% | 1,022 |
| Memoranda: | ||
| Average total assets | $265,778,000 | 2,376 |
| Average earning assets | $239,090,800 | 2,437 |
| Average equity | $42,762,200 | 1,709 |
| Average total loans | $196,511,000 | 2,105 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 3,878 |
| Cost of funding earning assets | 0.5104% | 2,116 |
| Net interest margin | 3.3543% | 4,127 |
| Noninterest income to average assets | 0.3998% | 4,089 |
| Noninterest expense to average assets | 2.7543% | 3,366 |
| Loan and lease loss provision to assets | 0.0617% | 2,948 |
| Net operating income to assets | 0.3647% | 5,276 |
| Return on assets (ROA) | 0.4579% | 5,040 |
| Pretax return on assets | 0.7384% | 4,541 |
| Return on Equity (ROE) | 2.8323% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.8323% | 4,420 |
| Net charge-offs to loans | 0.1049% | 2,085 |
| Credit loss provision to net charge-offs | 79.7386% | 2,615 |
| Earnings coverage of net charge-offs (x) | 8.4642% | 2,815 |
| Efficiency ratio | 80.8006% | 1,548 |
| Assets per employee ($millions) | 5.6950% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 5,226 |
| Loan loss allowance to noncurrent loans | 175.0984% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 3,598 |
| Noncurrent loans to loans | 0.5097% | 3,818 |
| Net loans and leases to total assets | 73.8101% | 1,769 |
| Net loans and leases to deposits | 101.1872% | 599 |
| Net loans and leases to core deposits | 113.5557% | 688 |
| Total domestic deposits to total assets | 72.9441% | 5,792 |
| Equity capital to assets | 16.0720% | 550 |
| Core capital (leverage) ratio | 14.8583% | 664 |
| Tier 1 risk-based capital ratio | 23.1857% | 1,031 |
| Total risk-based capital ratio | 24.3577% | 1,025 |
| Memoranda: | ||
| Average total assets | $263,819,750 | 2,411 |
| Average earning assets | $236,662,000 | 2,467 |
| Average equity | $42,649,500 | 1,729 |
| Average total loans | $194,475,750 | 2,140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 3,961 |
| Cost of funding earning assets | 0.5164% | 2,099 |
| Net interest margin | 3.3122% | 4,258 |
| Noninterest income to average assets | 0.3954% | 4,109 |
| Noninterest expense to average assets | 2.7844% | 3,295 |
| Loan and lease loss provision to assets | 0.0350% | 3,421 |
| Net operating income to assets | 0.2884% | 5,475 |
| Return on assets (ROA) | 0.4327% | 5,128 |
| Pretax return on assets | 0.7626% | 4,446 |
| Return on Equity (ROE) | 2.6713% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.6713% | 4,355 |
| Net charge-offs to loans | 0.0156% | 3,399 |
| Credit loss provision to net charge-offs | 306.6667% | 921 |
| Earnings coverage of net charge-offs (x) | 50.0667% | 956 |
| Efficiency ratio | 82.9551% | 1,376 |
| Assets per employee ($millions) | 5.3421% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 5,118 |
| Loan loss allowance to noncurrent loans | 133.0202% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 3,641 |
| Noncurrent loans to loans | 0.7102% | 3,361 |
| Net loans and leases to total assets | 72.2731% | 1,936 |
| Net loans and leases to deposits | 97.7230% | 816 |
| Net loans and leases to core deposits | 110.7392% | 794 |
| Total domestic deposits to total assets | 73.9571% | 5,802 |
| Equity capital to assets | 15.9679% | 531 |
| Core capital (leverage) ratio | 17.8162% | 304 |
| Tier 1 risk-based capital ratio | 23.5619% | 997 |
| Total risk-based capital ratio | 24.8159% | 985 |
| Memoranda: | ||
| Average total assets | $262,538,330 | 2,435 |
| Average earning assets | $234,707,000 | 2,501 |
| Average equity | $42,526,330 | 1,738 |
| Average total loans | $192,853,670 | 2,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 3,719 |
| Cost of funding earning assets | 0.5387% | 1,935 |
| Net interest margin | 3.3376% | 4,070 |
| Noninterest income to average assets | 0.4011% | 3,997 |
| Noninterest expense to average assets | 2.8188% | 3,181 |
| Loan and lease loss provision to assets | 0.0108% | 3,584 |
| Net operating income to assets | 0.1670% | 5,749 |
| Return on assets (ROA) | 0.4503% | 4,985 |
| Pretax return on assets | 0.9760% | 3,576 |
| Return on Equity (ROE) | 2.7600% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.7600% | 4,297 |
| Net charge-offs to loans | 0.0354% | 2,504 |
| Credit loss provision to net charge-offs | 41.1765% | 2,180 |
| Earnings coverage of net charge-offs (x) | 20.8235% | 1,399 |
| Efficiency ratio | 83.8208% | 1,402 |
| Assets per employee ($millions) | 5.4558% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 5,304 |
| Loan loss allowance to noncurrent loans | 111.7318% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,265 |
| Noncurrent loans to loans | 0.8388% | 3,147 |
| Net loans and leases to total assets | 72.6544% | 1,707 |
| Net loans and leases to deposits | 97.2089% | 750 |
| Net loans and leases to core deposits | 110.1759% | 738 |
| Total domestic deposits to total assets | 74.7405% | 5,850 |
| Equity capital to assets | 16.2538% | 517 |
| Core capital (leverage) ratio | 15.1348% | 590 |
| Tier 1 risk-based capital ratio | 18.2882% | 2,065 |
| Total risk-based capital ratio | 19.2500% | 2,088 |
| Memoranda: | ||
| Average total assets | $260,255,000 | 2,467 |
| Average earning assets | $230,942,000 | 2,546 |
| Average equity | $42,464,000 | 1,751 |
| Average total loans | $191,837,500 | 2,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,822 |
| Cost of funding earning assets | 0.5915% | 1,839 |
| Net interest margin | 3.3819% | 4,268 |
| Noninterest income to average assets | 0.3831% | 4,313 |
| Noninterest expense to average assets | 2.7456% | 3,691 |
| Loan and lease loss provision to assets | 0.0748% | 2,985 |
| Net operating income to assets | 0.4316% | 5,102 |
| Return on assets (ROA) | 0.4814% | 4,976 |
| Pretax return on assets | 0.6803% | 4,691 |
| Return on Equity (ROE) | 2.9411% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.9411% | 4,150 |
| Net charge-offs to loans | 0.1332% | 2,686 |
| Credit loss provision to net charge-offs | 74.6094% | 2,974 |
| Earnings coverage of net charge-offs (x) | 6.8320% | 3,132 |
| Efficiency ratio | 80.0320% | 1,925 |
| Assets per employee ($millions) | 5.3882% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 5,308 |
| Loan loss allowance to noncurrent loans | 91.2758% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 3,099 |
| Noncurrent loans to loans | 1.0349% | 2,755 |
| Net loans and leases to total assets | 73.3857% | 1,691 |
| Net loans and leases to deposits | 98.6343% | 711 |
| Net loans and leases to core deposits | 112.6618% | 660 |
| Total domestic deposits to total assets | 74.4019% | 5,912 |
| Equity capital to assets | 16.3796% | 490 |
| Core capital (leverage) ratio | 15.4148% | 546 |
| Tier 1 risk-based capital ratio | 24.1909% | 931 |
| Total risk-based capital ratio | 25.5470% | 898 |
| Memoranda: | ||
| Average total assets | $255,315,000 | 2,481 |
| Average earning assets | $230,079,800 | 2,519 |
| Average equity | $41,786,800 | 1,720 |
| Average total loans | $192,205,000 | 2,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,757 |
| Cost of funding earning assets | 0.6020% | 1,809 |
| Net interest margin | 3.3986% | 4,246 |
| Noninterest income to average assets | 0.3835% | 4,367 |
| Noninterest expense to average assets | 2.7611% | 3,601 |
| Loan and lease loss provision to assets | 0.0974% | 2,417 |
| Net operating income to assets | 0.4168% | 5,187 |
| Return on assets (ROA) | 0.4831% | 5,009 |
| Pretax return on assets | 0.6795% | 4,763 |
| Return on Equity (ROE) | 2.9520% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.9520% | 4,494 |
| Net charge-offs to loans | 0.1255% | 2,542 |
| Credit loss provision to net charge-offs | 102.7624% | 2,145 |
| Earnings coverage of net charge-offs (x) | 7.2099% | 2,958 |
| Efficiency ratio | 80.1521% | 1,892 |
| Assets per employee ($millions) | 5.3004% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 5,295 |
| Loan loss allowance to noncurrent loans | 89.0573% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 3,173 |
| Noncurrent loans to loans | 1.1005% | 2,866 |
| Net loans and leases to total assets | 74.6576% | 1,421 |
| Net loans and leases to deposits | 98.5892% | 693 |
| Net loans and leases to core deposits | 113.1738% | 613 |
| Total domestic deposits to total assets | 75.7259% | 5,854 |
| Equity capital to assets | 16.4489% | 498 |
| Core capital (leverage) ratio | 15.4827% | 543 |
| Tier 1 risk-based capital ratio | 24.5638% | 926 |
| Total risk-based capital ratio | 25.9719% | 892 |
| Memoranda: | ||
| Average total assets | $254,485,750 | 2,504 |
| Average earning assets | $229,224,750 | 2,546 |
| Average equity | $41,642,750 | 1,732 |
| Average total loans | $192,354,000 | 2,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,652 |
| Cost of funding earning assets | 0.6076% | 1,837 |
| Net interest margin | 3.4126% | 4,124 |
| Noninterest income to average assets | 0.3866% | 4,346 |
| Noninterest expense to average assets | 2.7457% | 3,713 |
| Loan and lease loss provision to assets | 0.0927% | 2,481 |
| Net operating income to assets | 0.4817% | 4,887 |
| Return on assets (ROA) | 0.4817% | 4,954 |
| Pretax return on assets | 0.6200% | 4,893 |
| Return on Equity (ROE) | 2.9490% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.9490% | 4,326 |
| Net charge-offs to loans | 0.1911% | 1,878 |
| Credit loss provision to net charge-offs | 64.1304% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.9293% | 3,017 |
| Efficiency ratio | 79.3910% | 2,108 |
| Assets per employee ($millions) | 5.4242% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 5,607 |
| Loan loss allowance to noncurrent loans | 102.4929% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 3,700 |
| Noncurrent loans to loans | 0.9149% | 3,434 |
| Net loans and leases to total assets | 74.9599% | 1,315 |
| Net loans and leases to deposits | 100.1284% | 551 |
| Net loans and leases to core deposits | 115.0676% | 499 |
| Total domestic deposits to total assets | 74.8638% | 6,035 |
| Equity capital to assets | 16.3808% | 492 |
| Core capital (leverage) ratio | 15.3024% | 558 |
| Tier 1 risk-based capital ratio | 24.0721% | 972 |
| Total risk-based capital ratio | 25.4629% | 939 |
| Memoranda: | ||
| Average total assets | $254,508,000 | 2,509 |
| Average earning assets | $229,092,330 | 2,555 |
| Average equity | $41,574,000 | 1,725 |
| Average total loans | $192,531,000 | 2,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,300 |
| Cost of funding earning assets | 0.6264% | 1,759 |
| Net interest margin | 3.4698% | 3,824 |
| Noninterest income to average assets | 0.3445% | 4,619 |
| Noninterest expense to average assets | 2.7732% | 3,663 |
| Loan and lease loss provision to assets | 0.0897% | 2,421 |
| Net operating income to assets | 0.4908% | 4,735 |
| Return on assets (ROA) | 0.4908% | 4,813 |
| Pretax return on assets | 0.6009% | 4,826 |
| Return on Equity (ROE) | 3.0086% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.0086% | 4,308 |
| Net charge-offs to loans | 0.2787% | 1,229 |
| Credit loss provision to net charge-offs | 42.5373% | 2,280 |
| Earnings coverage of net charge-offs (x) | 3.2761% | 2,708 |
| Efficiency ratio | 80.0636% | 2,199 |
| Assets per employee ($millions) | 5.4412% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 5,772 |
| Loan loss allowance to noncurrent loans | 134.4802% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 4,511 |
| Noncurrent loans to loans | 0.6922% | 4,142 |
| Net loans and leases to total assets | 74.8194% | 1,146 |
| Net loans and leases to deposits | 99.6578% | 451 |
| Net loans and leases to core deposits | 113.9002% | 467 |
| Total domestic deposits to total assets | 75.0763% | 6,149 |
| Equity capital to assets | 16.3039% | 484 |
| Core capital (leverage) ratio | 15.2978% | 564 |
| Tier 1 risk-based capital ratio | 23.6907% | 1,048 |
| Total risk-based capital ratio | 25.0440% | 1,015 |
| Memoranda: | ||
| Average total assets | $254,292,500 | 2,511 |
| Average earning assets | $228,598,500 | 2,571 |
| Average equity | $41,480,500 | 1,722 |
| Average total loans | $192,341,000 | 2,117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,691 |
| Cost of funding earning assets | 0.7315% | 1,617 |
| Net interest margin | 3.3796% | 4,366 |
| Noninterest income to average assets | 0.3491% | 4,820 |
| Noninterest expense to average assets | 2.6691% | 4,213 |
| Loan and lease loss provision to assets | 0.0698% | 3,727 |
| Net operating income to assets | 0.4765% | 4,831 |
| Return on assets (ROA) | 0.4789% | 4,966 |
| Pretax return on assets | 0.6431% | 4,728 |
| Return on Equity (ROE) | 2.9043% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.9043% | 4,178 |
| Net charge-offs to loans | 0.0730% | 4,186 |
| Credit loss provision to net charge-offs | 126.6667% | 1,863 |
| Earnings coverage of net charge-offs (x) | 12.8741% | 2,089 |
| Efficiency ratio | 78.9970% | 2,319 |
| Assets per employee ($millions) | 5.3797% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 5,664 |
| Loan loss allowance to noncurrent loans | 129.6680% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 4,521 |
| Noncurrent loans to loans | 0.7549% | 4,081 |
| Net loans and leases to total assets | 75.0127% | 1,221 |
| Net loans and leases to deposits | 99.6737% | 495 |
| Net loans and leases to core deposits | 114.6432% | 452 |
| Total domestic deposits to total assets | 75.2583% | 6,166 |
| Equity capital to assets | 16.3205% | 480 |
| Core capital (leverage) ratio | 15.3128% | 565 |
| Tier 1 risk-based capital ratio | 23.7171% | 986 |
| Total risk-based capital ratio | 25.1317% | 955 |
| Memoranda: | ||
| Average total assets | $244,914,400 | 2,579 |
| Average earning assets | $219,554,600 | 2,624 |
| Average equity | $40,388,000 | 1,731 |
| Average total loans | $184,879,600 | 2,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 3,638 |
| Cost of funding earning assets | 0.7523% | 1,590 |
| Net interest margin | 3.3783% | 4,366 |
| Noninterest income to average assets | 0.3485% | 4,897 |
| Noninterest expense to average assets | 2.6816% | 4,087 |
| Loan and lease loss provision to assets | 0.0626% | 3,791 |
| Net operating income to assets | 0.4582% | 4,991 |
| Return on assets (ROA) | 0.4649% | 5,101 |
| Pretax return on assets | 0.6427% | 4,874 |
| Return on Equity (ROE) | 2.8114% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.8114% | 4,635 |
| Net charge-offs to loans | 0.1004% | 3,541 |
| Credit loss provision to net charge-offs | 82.6087% | 2,783 |
| Earnings coverage of net charge-offs (x) | 9.1882% | 2,513 |
| Efficiency ratio | 79.3955% | 2,207 |
| Assets per employee ($millions) | 5.3088% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 5,916 |
| Loan loss allowance to noncurrent loans | 145.3163% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 4,887 |
| Noncurrent loans to loans | 0.6546% | 4,566 |
| Net loans and leases to total assets | 75.7386% | 1,042 |
| Net loans and leases to deposits | 99.6509% | 482 |
| Net loans and leases to core deposits | 115.5844% | 407 |
| Total domestic deposits to total assets | 76.0040% | 6,167 |
| Equity capital to assets | 16.2465% | 508 |
| Core capital (leverage) ratio | 15.2841% | 594 |
| Tier 1 risk-based capital ratio | 22.9134% | 1,162 |
| Total risk-based capital ratio | 24.2169% | 1,134 |
| Memoranda: | ||
| Average total assets | $242,931,000 | 2,610 |
| Average earning assets | $217,817,000 | 2,658 |
| Average equity | $40,168,500 | 1,751 |
| Average total loans | $183,213,750 | 2,171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,571 |
| Cost of funding earning assets | 0.7779% | 1,540 |
| Net interest margin | 3.3651% | 4,325 |
| Noninterest income to average assets | 0.3614% | 4,803 |
| Noninterest expense to average assets | 2.7607% | 3,816 |
| Loan and lease loss provision to assets | 0.0474% | 4,026 |
| Net operating income to assets | 0.4146% | 5,162 |
| Return on assets (ROA) | 0.4146% | 5,324 |
| Pretax return on assets | 0.5649% | 5,149 |
| Return on Equity (ROE) | 2.4922% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.4922% | 4,715 |
| Net charge-offs to loans | 0.0897% | 3,474 |
| Credit loss provision to net charge-offs | 70.3704% | 2,814 |
| Earnings coverage of net charge-offs (x) | 9.0988% | 2,325 |
| Efficiency ratio | 81.8473% | 1,906 |
| Assets per employee ($millions) | 5.2492% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 5,925 |
| Loan loss allowance to noncurrent loans | 122.7181% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 4,750 |
| Noncurrent loans to loans | 0.7916% | 4,330 |
| Net loans and leases to total assets | 74.9960% | 1,106 |
| Net loans and leases to deposits | 97.6292% | 563 |
| Net loans and leases to core deposits | 113.5701% | 444 |
| Total domestic deposits to total assets | 76.8172% | 6,145 |
| Equity capital to assets | 16.2505% | 496 |
| Core capital (leverage) ratio | 16.3583% | 428 |
| Tier 1 risk-based capital ratio | 23.8622% | 1,011 |
| Total risk-based capital ratio | 25.2201% | 981 |
| Memoranda: | ||
| Average total assets | $240,737,330 | 2,642 |
| Average earning assets | $215,448,670 | 2,686 |
| Average equity | $40,045,670 | 1,757 |
| Average total loans | $180,687,670 | 2,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,319 |
| Cost of funding earning assets | 0.7945% | 1,558 |
| Net interest margin | 3.4016% | 4,105 |
| Noninterest income to average assets | 0.3483% | 4,893 |
| Noninterest expense to average assets | 2.9207% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3567% | 5,323 |
| Return on assets (ROA) | 0.3567% | 5,464 |
| Pretax return on assets | 0.4744% | 5,346 |
| Return on Equity (ROE) | 2.1188% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.1188% | 4,944 |
| Net charge-offs to loans | 0.1194% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.3208% | 2,378 |
| Efficiency ratio | 86.0258% | 1,513 |
| Assets per employee ($millions) | 4.8813% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 5,991 |
| Loan loss allowance to noncurrent loans | 109.3693% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 4,671 |
| Noncurrent loans to loans | 0.9132% | 4,309 |
| Net loans and leases to total assets | 74.0191% | 1,076 |
| Net loans and leases to deposits | 92.5090% | 760 |
| Net loans and leases to core deposits | 106.8998% | 609 |
| Total domestic deposits to total assets | 80.0128% | 5,752 |
| Equity capital to assets | 16.7993% | 447 |
| Core capital (leverage) ratio | 16.3519% | 418 |
| Tier 1 risk-based capital ratio | 24.3600% | 973 |
| Total risk-based capital ratio | 25.7415% | 938 |
| Memoranda: | ||
| Average total assets | $237,749,500 | 2,699 |
| Average earning assets | $212,959,500 | 2,732 |
| Average equity | $40,022,500 | 1,773 |
| Average total loans | $177,611,500 | 2,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 3,223 |
| Cost of funding earning assets | 0.9675% | 1,541 |
| Net interest margin | 3.5782% | 4,193 |
| Noninterest income to average assets | 0.3005% | 5,307 |
| Noninterest expense to average assets | 2.8251% | 3,924 |
| Loan and lease loss provision to assets | 0.1060% | 4,313 |
| Net operating income to assets | 0.3993% | 5,104 |
| Return on assets (ROA) | 0.4005% | 5,343 |
| Pretax return on assets | 0.5571% | 5,115 |
| Return on Equity (ROE) | 2.3863% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.3863% | 4,552 |
| Net charge-offs to loans | 0.2809% | 3,258 |
| Credit loss provision to net charge-offs | 51.3402% | 4,665 |
| Earnings coverage of net charge-offs (x) | 3.2041% | 3,828 |
| Efficiency ratio | 81.0303% | 2,003 |
| Assets per employee ($millions) | 4.7263% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 5,799 |
| Loan loss allowance to noncurrent loans | 91.8123% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 4,356 |
| Noncurrent loans to loans | 1.1355% | 3,947 |
| Net loans and leases to total assets | 73.8659% | 1,213 |
| Net loans and leases to deposits | 91.4533% | 952 |
| Net loans and leases to core deposits | 105.3261% | 720 |
| Total domestic deposits to total assets | 80.7690% | 5,462 |
| Equity capital to assets | 16.8689% | 431 |
| Core capital (leverage) ratio | 16.6618% | 383 |
| Tier 1 risk-based capital ratio | 24.3657% | 928 |
| Total risk-based capital ratio | 25.7240% | 892 |
| Memoranda: | ||
| Average total assets | $234,965,800 | 2,676 |
| Average earning assets | $209,209,000 | 2,746 |
| Average equity | $39,433,800 | 1,764 |
| Average total loans | $172,649,600 | 2,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 3,144 |
| Cost of funding earning assets | 1.0005% | 1,556 |
| Net interest margin | 3.6169% | 4,162 |
| Noninterest income to average assets | 0.2915% | 5,442 |
| Noninterest expense to average assets | 2.8260% | 3,889 |
| Loan and lease loss provision to assets | 0.1057% | 4,248 |
| Net operating income to assets | 0.4047% | 5,227 |
| Return on assets (ROA) | 0.4063% | 5,450 |
| Pretax return on assets | 0.5813% | 5,229 |
| Return on Equity (ROE) | 2.4241% | 5,910 |
| Retained earnings to average equity (ytd only) | 2.4241% | 5,121 |
| Net charge-offs to loans | 0.3727% | 2,608 |
| Credit loss provision to net charge-offs | 38.7500% | 4,641 |
| Earnings coverage of net charge-offs (x) | 2.5104% | 4,036 |
| Efficiency ratio | 80.4953% | 2,018 |
| Assets per employee ($millions) | 4.9991% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 6,010 |
| Loan loss allowance to noncurrent loans | 120.8277% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,101 |
| Noncurrent loans to loans | 0.8435% | 4,727 |
| Net loans and leases to total assets | 73.6207% | 1,300 |
| Net loans and leases to deposits | 91.1682% | 1,034 |
| Net loans and leases to core deposits | 106.1254% | 732 |
| Total domestic deposits to total assets | 80.7526% | 5,434 |
| Equity capital to assets | 16.9069% | 474 |
| Core capital (leverage) ratio | 16.5361% | 423 |
| Tier 1 risk-based capital ratio | 24.3710% | 971 |
| Total risk-based capital ratio | 25.7074% | 950 |
| Memoranda: | ||
| Average total assets | $234,628,250 | 2,703 |
| Average earning assets | $208,831,500 | 2,779 |
| Average equity | $39,326,250 | 1,783 |
| Average total loans | $171,713,000 | 2,322 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 3,143 |
| Cost of funding earning assets | 1.0145% | 1,679 |
| Net interest margin | 3.6348% | 4,104 |
| Noninterest income to average assets | 0.3445% | 5,080 |
| Noninterest expense to average assets | 2.8586% | 3,783 |
| Loan and lease loss provision to assets | 0.1356% | 3,831 |
| Net operating income to assets | 0.4307% | 5,116 |
| Return on assets (ROA) | 0.4307% | 5,340 |
| Pretax return on assets | 0.5953% | 5,154 |
| Return on Equity (ROE) | 2.5769% | 5,854 |
| Retained earnings to average equity (ytd only) | 2.5769% | 4,902 |
| Net charge-offs to loans | 0.4394% | 2,285 |
| Credit loss provision to net charge-offs | 42.4000% | 4,205 |
| Earnings coverage of net charge-offs (x) | 2.2853% | 3,854 |
| Efficiency ratio | 79.6389% | 2,246 |
| Assets per employee ($millions) | 4.7776% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,918 |
| Loan loss allowance to noncurrent loans | 207.2464% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 5,844 |
| Noncurrent loans to loans | 0.5123% | 5,504 |
| Net loans and leases to total assets | 72.5147% | 1,468 |
| Net loans and leases to deposits | 90.5112% | 1,094 |
| Net loans and leases to core deposits | 105.7256% | 760 |
| Total domestic deposits to total assets | 80.1168% | 5,709 |
| Equity capital to assets | 16.5275% | 504 |
| Core capital (leverage) ratio | 16.5784% | 400 |
| Tier 1 risk-based capital ratio | 24.1976% | 992 |
| Total risk-based capital ratio | 25.5684% | 960 |
| Memoranda: | ||
| Average total assets | $234,518,670 | 2,714 |
| Average earning assets | $209,367,000 | 2,771 |
| Average equity | $39,193,670 | 1,773 |
| Average total loans | $170,698,000 | 2,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 3,500 |
| Cost of funding earning assets | 1.0518% | 1,661 |
| Net interest margin | 3.5483% | 4,492 |
| Noninterest income to average assets | 0.3702% | 4,906 |
| Noninterest expense to average assets | 2.8992% | 3,627 |
| Loan and lease loss provision to assets | 0.1102% | 3,976 |
| Net operating income to assets | 0.4029% | 5,245 |
| Return on assets (ROA) | 0.4029% | 5,428 |
| Pretax return on assets | 0.5320% | 5,327 |
| Return on Equity (ROE) | 2.3969% | 5,944 |
| Retained earnings to average equity (ytd only) | 2.3969% | 5,065 |
| Net charge-offs to loans | 0.8617% | 1,187 |
| Credit loss provision to net charge-offs | 17.6309% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.0275% | 3,811 |
| Efficiency ratio | 81.8668% | 1,948 |
| Assets per employee ($millions) | 4.6899% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 6,117 |
| Loan loss allowance to noncurrent loans | 206.2718% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 5,966 |
| Noncurrent loans to loans | 0.5042% | 5,665 |
| Net loans and leases to total assets | 72.0661% | 1,389 |
| Net loans and leases to deposits | 90.2686% | 944 |
| Net loans and leases to core deposits | 105.3941% | 700 |
| Total domestic deposits to total assets | 79.8352% | 5,887 |
| Equity capital to assets | 16.7097% | 470 |
| Core capital (leverage) ratio | 16.6234% | 400 |
| Tier 1 risk-based capital ratio | 24.9728% | 911 |
| Total risk-based capital ratio | 26.3412% | 883 |
| Memoranda: | ||
| Average total assets | $232,338,000 | 2,746 |
| Average earning assets | $207,648,000 | 2,804 |
| Average equity | $39,050,000 | 1,776 |
| Average total loans | $168,506,000 | 2,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 4,069 |
| Cost of funding earning assets | 1.1724% | 2,207 |
| Net interest margin | 3.5698% | 4,846 |
| Noninterest income to average assets | 0.2700% | 5,593 |
| Noninterest expense to average assets | 2.7555% | 4,529 |
| Loan and lease loss provision to assets | 0.2753% | 3,467 |
| Net operating income to assets | 0.3373% | 5,112 |
| Return on assets (ROA) | 0.4314% | 4,930 |
| Pretax return on assets | 0.5273% | 4,908 |
| Return on Equity (ROE) | 2.5520% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.5520% | 4,412 |
| Net charge-offs to loans | 0.2430% | 4,261 |
| Credit loss provision to net charge-offs | 163.4465% | 1,675 |
| Earnings coverage of net charge-offs (x) | 4.0836% | 3,273 |
| Efficiency ratio | 80.0255% | 2,297 |
| Assets per employee ($millions) | 4.6037% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,184 |
| Loan loss allowance to noncurrent loans | 242.9742% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 6,050 |
| Noncurrent loans to loans | 0.5137% | 5,682 |
| Net loans and leases to total assets | 71.3219% | 1,766 |
| Net loans and leases to deposits | 89.8543% | 1,174 |
| Net loans and leases to core deposits | 105.5328% | 815 |
| Total domestic deposits to total assets | 79.3751% | 5,899 |
| Equity capital to assets | 16.9070% | 458 |
| Core capital (leverage) ratio | 16.6996% | 391 |
| Tier 1 risk-based capital ratio | 25.4073% | 830 |
| Total risk-based capital ratio | 26.8518% | 791 |
| Memoranda: | ||
| Average total assets | $227,398,200 | 2,759 |
| Average earning assets | $202,141,000 | 2,824 |
| Average equity | $38,440,800 | 1,752 |
| Average total loans | $157,587,200 | 2,531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 4,063 |
| Cost of funding earning assets | 1.1956% | 2,341 |
| Net interest margin | 3.5941% | 4,798 |
| Noninterest income to average assets | 0.3588% | 4,999 |
| Noninterest expense to average assets | 2.7542% | 4,518 |
| Loan and lease loss provision to assets | 0.1988% | 4,038 |
| Net operating income to assets | 0.4504% | 4,773 |
| Return on assets (ROA) | 0.4499% | 4,968 |
| Pretax return on assets | 0.5928% | 4,835 |
| Return on Equity (ROE) | 2.6616% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.6616% | 4,761 |
| Net charge-offs to loans | 0.0360% | 5,642 |
| Credit loss provision to net charge-offs | 804.7619% | 332 |
| Earnings coverage of net charge-offs (x) | 32.0707% | 891 |
| Efficiency ratio | 77.6617% | 2,589 |
| Assets per employee ($millions) | 4.5539% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,890 |
| Loan loss allowance to noncurrent loans | 153.8684% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 4,881 |
| Noncurrent loans to loans | 0.8627% | 5,138 |
| Net loans and leases to total assets | 69.4741% | 2,187 |
| Net loans and leases to deposits | 87.6355% | 1,472 |
| Net loans and leases to core deposits | 103.0843% | 1,033 |
| Total domestic deposits to total assets | 79.2762% | 5,928 |
| Equity capital to assets | 17.0043% | 482 |
| Core capital (leverage) ratio | 16.7928% | 417 |
| Tier 1 risk-based capital ratio | 26.1256% | 823 |
| Total risk-based capital ratio | 27.6069% | 777 |
| Memoranda: | ||
| Average total assets | $226,702,000 | 2,772 |
| Average earning assets | $201,062,750 | 2,845 |
| Average equity | $38,321,750 | 1,760 |
| Average total loans | $155,422,500 | 2,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 4,054 |
| Cost of funding earning assets | 1.2129% | 2,489 |
| Net interest margin | 3.5989% | 4,719 |
| Noninterest income to average assets | 0.3702% | 4,904 |
| Noninterest expense to average assets | 2.8007% | 4,419 |
| Loan and lease loss provision to assets | 0.1847% | 4,073 |
| Net operating income to assets | 0.4469% | 4,734 |
| Return on assets (ROA) | 0.4462% | 4,878 |
| Pretax return on assets | 0.5769% | 4,821 |
| Return on Equity (ROE) | 2.6447% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.6447% | 4,609 |
| Net charge-offs to loans | 0.0507% | 5,146 |
| Credit loss provision to net charge-offs | 535.8974% | 575 |
| Earnings coverage of net charge-offs (x) | 22.1282% | 1,130 |
| Efficiency ratio | 78.6015% | 2,610 |
| Assets per employee ($millions) | 4.5623% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,186 |
| Loan loss allowance to noncurrent loans | 188.3349% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,305 |
| Noncurrent loans to loans | 0.6754% | 5,555 |
| Net loans and leases to total assets | 68.1126% | 2,592 |
| Net loans and leases to deposits | 85.7800% | 1,819 |
| Net loans and leases to core deposits | 100.7868% | 1,272 |
| Total domestic deposits to total assets | 79.4038% | 5,976 |
| Equity capital to assets | 16.9081% | 492 |
| Core capital (leverage) ratio | 16.7334% | 427 |
| Tier 1 risk-based capital ratio | 26.3667% | 775 |
| Total risk-based capital ratio | 27.9040% | 735 |
| Memoranda: | ||
| Average total assets | $226,371,000 | 2,789 |
| Average earning assets | $200,841,000 | 2,862 |
| Average equity | $38,189,670 | 1,755 |
| Average total loans | $153,791,000 | 2,627 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 3,965 |
| Cost of funding earning assets | 1.2188% | 2,692 |
| Net interest margin | 3.6005% | 4,563 |
| Noninterest income to average assets | 0.4133% | 4,600 |
| Noninterest expense to average assets | 2.8452% | 4,282 |
| Loan and lease loss provision to assets | 0.1596% | 4,033 |
| Net operating income to assets | 0.4643% | 4,646 |
| Return on assets (ROA) | 0.4630% | 4,733 |
| Pretax return on assets | 0.6084% | 4,652 |
| Return on Equity (ROE) | 2.7474% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.7474% | 4,522 |
| Net charge-offs to loans | 0.1026% | 3,931 |
| Credit loss provision to net charge-offs | 230.7692% | 1,326 |
| Earnings coverage of net charge-offs (x) | 11.1282% | 1,578 |
| Efficiency ratio | 78.7046% | 2,731 |
| Assets per employee ($millions) | 4.5045% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 5,489 |
| Loan loss allowance to noncurrent loans | 194.9275% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 5,296 |
| Noncurrent loans to loans | 0.6304% | 5,777 |
| Net loans and leases to total assets | 67.2055% | 2,709 |
| Net loans and leases to deposits | 84.7385% | 1,923 |
| Net loans and leases to core deposits | 99.9630% | 1,341 |
| Total domestic deposits to total assets | 79.3093% | 6,115 |
| Equity capital to assets | 16.9349% | 446 |
| Core capital (leverage) ratio | 16.7098% | 418 |
| Tier 1 risk-based capital ratio | 26.7371% | 729 |
| Total risk-based capital ratio | 28.2699% | 689 |
| Memoranda: | ||
| Average total assets | $225,499,000 | 2,814 |
| Average earning assets | $200,525,000 | 2,881 |
| Average equity | $37,999,500 | 1,750 |
| Average total loans | $151,998,000 | 2,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 5,466 |
| Cost of funding earning assets | 1.5079% | 2,592 |
| Net interest margin | 3.2787% | 6,044 |
| Noninterest income to average assets | 0.4329% | 4,658 |
| Noninterest expense to average assets | 2.6735% | 5,110 |
| Loan and lease loss provision to assets | 0.4895% | 3,212 |
| Net operating income to assets | 0.1911% | 5,294 |
| Return on assets (ROA) | 0.1911% | 5,467 |
| Pretax return on assets | 0.1989% | 5,491 |
| Return on Equity (ROE) | 1.1776% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.1776% | 4,957 |
| Net charge-offs to loans | 0.4382% | 3,862 |
| Credit loss provision to net charge-offs | 172.8244% | 1,949 |
| Earnings coverage of net charge-offs (x) | 2.4305% | 3,914 |
| Efficiency ratio | 79.5215% | 2,476 |
| Assets per employee ($millions) | 4.5154% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 5,439 |
| Loan loss allowance to noncurrent loans | 96.6245% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 4,668 |
| Noncurrent loans to loans | 1.2577% | 4,614 |
| Net loans and leases to total assets | 65.9589% | 3,476 |
| Net loans and leases to deposits | 83.0041% | 2,630 |
| Net loans and leases to core deposits | 97.4600% | 1,847 |
| Total domestic deposits to total assets | 79.4646% | 5,980 |
| Equity capital to assets | 16.7679% | 482 |
| Core capital (leverage) ratio | 16.4308% | 453 |
| Tier 1 risk-based capital ratio | 26.4649% | 714 |
| Total risk-based capital ratio | 27.9516% | 680 |
| Memoranda: | ||
| Average total assets | $231,235,800 | 2,739 |
| Average earning assets | $206,574,000 | 2,788 |
| Average equity | $37,533,200 | 1,757 |
| Average total loans | $149,472,000 | 2,780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 5,784 |
| Cost of funding earning assets | 1.5719% | 2,542 |
| Net interest margin | 3.1983% | 6,346 |
| Noninterest income to average assets | 0.4316% | 4,703 |
| Noninterest expense to average assets | 2.6591% | 5,072 |
| Loan and lease loss provision to assets | 0.5973% | 2,556 |
| Net operating income to assets | 0.0843% | 5,809 |
| Return on assets (ROA) | 0.0843% | 5,949 |
| Pretax return on assets | 0.0407% | 6,021 |
| Return on Equity (ROE) | 0.5233% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.5233% | 5,589 |
| Net charge-offs to loans | 0.5363% | 3,156 |
| Credit loss provision to net charge-offs | 173.6667% | 2,117 |
| Earnings coverage of net charge-offs (x) | 1.8550% | 4,316 |
| Efficiency ratio | 80.6502% | 2,258 |
| Assets per employee ($millions) | 4.5714% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 5,469 |
| Loan loss allowance to noncurrent loans | 107.6693% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 4,998 |
| Noncurrent loans to loans | 1.1191% | 5,006 |
| Net loans and leases to total assets | 64.4647% | 4,027 |
| Net loans and leases to deposits | 80.8892% | 3,291 |
| Net loans and leases to core deposits | 95.1092% | 2,371 |
| Total domestic deposits to total assets | 79.6951% | 5,808 |
| Equity capital to assets | 16.5297% | 585 |
| Core capital (leverage) ratio | 16.0670% | 551 |
| Tier 1 risk-based capital ratio | 26.2926% | 752 |
| Total risk-based capital ratio | 27.7423% | 718 |
| Memoranda: | ||
| Average total assets | $232,602,000 | 2,750 |
| Average earning assets | $208,398,500 | 2,810 |
| Average equity | $37,452,250 | 1,780 |
| Average total loans | $149,153,000 | 2,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 5,977 |
| Cost of funding earning assets | 1.6375% | 2,445 |
| Net interest margin | 3.1121% | 6,574 |
| Noninterest income to average assets | 0.3120% | 5,671 |
| Noninterest expense to average assets | 2.6981% | 4,918 |
| Loan and lease loss provision to assets | 0.7284% | 2,001 |
| Net operating income to assets | -0.1787% | 6,329 |
| Return on assets (ROA) | -0.1787% | 6,385 |
| Pretax return on assets | -0.3214% | 6,452 |
| Return on Equity (ROE) | -1.1194% | 6,334 |
| Retained earnings to average equity (ytd only) | -1.1194% | 5,997 |
| Net charge-offs to loans | 0.4264% | 3,289 |
| Credit loss provision to net charge-offs | 267.9245% | 1,408 |
| Earnings coverage of net charge-offs (x) | 1.4969% | 4,365 |
| Efficiency ratio | 86.8943% | 1,609 |
| Assets per employee ($millions) | 4.7011% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,196 |
| Loan loss allowance to noncurrent loans | 101.9428% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 4,844 |
| Noncurrent loans to loans | 1.2247% | 4,920 |
| Net loans and leases to total assets | 63.5666% | 4,337 |
| Net loans and leases to deposits | 79.6194% | 3,664 |
| Net loans and leases to core deposits | 95.4278% | 2,516 |
| Total domestic deposits to total assets | 79.8380% | 5,777 |
| Equity capital to assets | 15.8762% | 692 |
| Core capital (leverage) ratio | 15.8226% | 589 |
| Tier 1 risk-based capital ratio | 26.3360% | 750 |
| Total risk-based capital ratio | 27.7426% | 723 |
| Memoranda: | ||
| Average total assets | $233,946,000 | 2,761 |
| Average earning assets | $209,951,330 | 2,816 |
| Average equity | $37,342,330 | 1,780 |
| Average total loans | $149,156,000 | 2,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 6,170 |
| Cost of funding earning assets | 1.6933% | 2,423 |
| Net interest margin | 3.0277% | 6,771 |
| Noninterest income to average assets | 0.3154% | 5,630 |
| Noninterest expense to average assets | 2.7730% | 4,592 |
| Loan and lease loss provision to assets | 0.6890% | 1,848 |
| Net operating income to assets | -0.3599% | 6,726 |
| Return on assets (ROA) | -0.3599% | 6,771 |
| Pretax return on assets | -0.4285% | 6,738 |
| Return on Equity (ROE) | -2.2487% | 6,664 |
| Retained earnings to average equity (ytd only) | -2.2487% | 6,248 |
| Net charge-offs to loans | 0.4268% | 2,770 |
| Credit loss provision to net charge-offs | 254.4304% | 1,522 |
| Earnings coverage of net charge-offs (x) | 0.9620% | 4,195 |
| Efficiency ratio | 91.4124% | 1,320 |
| Assets per employee ($millions) | 4.6325% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 6,094 |
| Loan loss allowance to noncurrent loans | 76.3246% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 4,580 |
| Noncurrent loans to loans | 1.4178% | 4,611 |
| Net loans and leases to total assets | 63.1033% | 4,512 |
| Net loans and leases to deposits | 79.2538% | 3,789 |
| Net loans and leases to core deposits | 94.8273% | 2,727 |
| Total domestic deposits to total assets | 79.6218% | 5,909 |
| Equity capital to assets | 16.0812% | 657 |
| Core capital (leverage) ratio | 15.7870% | 616 |
| Tier 1 risk-based capital ratio | 27.3547% | 682 |
| Total risk-based capital ratio | 28.7240% | 661 |
| Memoranda: | ||
| Average total assets | $233,391,000 | 2,831 |
| Average earning assets | $209,529,000 | 2,880 |
| Average equity | $37,354,500 | 1,800 |
| Average total loans | $148,081,000 | 2,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 5,626 |
| Cost of funding earning assets | 2.0792% | 2,574 |
| Net interest margin | 3.1259% | 6,290 |
| Noninterest income to average assets | 0.3046% | 5,914 |
| Noninterest expense to average assets | 2.6303% | 5,671 |
| Loan and lease loss provision to assets | 0.2085% | 5,675 |
| Net operating income to assets | 0.2532% | 4,710 |
| Return on assets (ROA) | 0.2919% | 4,651 |
| Pretax return on assets | 0.3373% | 4,668 |
| Return on Equity (ROE) | 1.8466% | 4,964 |
| Retained earnings to average equity (ytd only) | 1.8466% | 3,803 |
| Net charge-offs to loans | 0.2758% | 4,902 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 2.8854% | 3,644 |
| Efficiency ratio | 83.9940% | 2,350 |
| Assets per employee ($millions) | 4.7031% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 6,755 |
| Loan loss allowance to noncurrent loans | 110.6122% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 5,192 |
| Noncurrent loans to loans | 0.8255% | 5,638 |
| Net loans and leases to total assets | 62.5306% | 4,896 |
| Net loans and leases to deposits | 78.3634% | 4,306 |
| Net loans and leases to core deposits | 111.5270% | 2,745 |
| Total domestic deposits to total assets | 79.7956% | 5,731 |
| Equity capital to assets | 15.9302% | 709 |
| Core capital (leverage) ratio | 15.5966% | 678 |
| Tier 1 risk-based capital ratio | 26.9939% | 704 |
| Total risk-based capital ratio | 28.1583% | 695 |
| Memoranda: | ||
| Average total assets | $236,015,400 | 2,755 |
| Average earning assets | $213,445,800 | 2,785 |
| Average equity | $37,312,000 | 1,799 |
| Average total loans | $148,635,600 | 2,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2723% | 5,560 |
| Cost of funding earning assets | 2.1609% | 2,594 |
| Net interest margin | 3.1114% | 6,282 |
| Noninterest income to average assets | 0.3070% | 6,023 |
| Noninterest expense to average assets | 2.6234% | 5,626 |
| Loan and lease loss provision to assets | 0.1829% | 5,532 |
| Net operating income to assets | 0.2749% | 4,881 |
| Return on assets (ROA) | 0.2749% | 4,991 |
| Pretax return on assets | 0.3166% | 5,014 |
| Return on Equity (ROE) | 1.7420% | 5,251 |
| Retained earnings to average equity (ytd only) | 1.7420% | 4,339 |
| Net charge-offs to loans | 0.1166% | 5,524 |
| Credit loss provision to net charge-offs | 249.2308% | 1,732 |
| Earnings coverage of net charge-offs (x) | 6.8077% | 2,540 |
| Efficiency ratio | 84.0051% | 2,297 |
| Assets per employee ($millions) | 4.7555% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,353 |
| Loan loss allowance to noncurrent loans | 58.5395% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 4,798 |
| Noncurrent loans to loans | 1.6921% | 4,099 |
| Net loans and leases to total assets | 61.6681% | 5,294 |
| Net loans and leases to deposits | 77.0982% | 4,883 |
| Net loans and leases to core deposits | 107.9909% | 3,475 |
| Total domestic deposits to total assets | 79.9864% | 5,438 |
| Equity capital to assets | 15.7705% | 832 |
| Core capital (leverage) ratio | 15.5498% | 753 |
| Tier 1 risk-based capital ratio | 27.2436% | 729 |
| Total risk-based capital ratio | 28.5166% | 710 |
| Memoranda: | ||
| Average total assets | $236,230,000 | 2,766 |
| Average earning assets | $213,792,250 | 2,799 |
| Average equity | $37,274,750 | 1,823 |
| Average total loans | $148,694,500 | 2,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 5,301 |
| Cost of funding earning assets | 2.2646% | 2,508 |
| Net interest margin | 3.1055% | 6,220 |
| Noninterest income to average assets | 0.3046% | 6,085 |
| Noninterest expense to average assets | 2.6685% | 5,494 |
| Loan and lease loss provision to assets | 0.2240% | 4,792 |
| Net operating income to assets | 0.2036% | 5,250 |
| Return on assets (ROA) | 0.2036% | 5,331 |
| Pretax return on assets | 0.2291% | 5,390 |
| Return on Equity (ROE) | 1.2903% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.2903% | 4,621 |
| Net charge-offs to loans | 0.1343% | 4,818 |
| Credit loss provision to net charge-offs | 264.0000% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.3400% | 2,854 |
| Efficiency ratio | 85.4852% | 2,293 |
| Assets per employee ($millions) | 4.6979% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,434 |
| Loan loss allowance to noncurrent loans | 66.9618% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 4,808 |
| Noncurrent loans to loans | 1.4513% | 4,318 |
| Net loans and leases to total assets | 62.3365% | 5,299 |
| Net loans and leases to deposits | 78.2880% | 4,819 |
| Net loans and leases to core deposits | 111.7773% | 3,159 |
| Total domestic deposits to total assets | 79.6246% | 5,580 |
| Equity capital to assets | 15.8151% | 862 |
| Core capital (leverage) ratio | 15.4574% | 830 |
| Tier 1 risk-based capital ratio | 29.2510% | 649 |
| Total risk-based capital ratio | 30.5701% | 627 |
| Memoranda: | ||
| Average total assets | $235,715,670 | 2,798 |
| Average earning assets | $213,813,670 | 2,821 |
| Average equity | $37,200,330 | 1,832 |
| Average total loans | $148,893,670 | 3,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 4,743 |
| Cost of funding earning assets | 2.2940% | 2,725 |
| Net interest margin | 3.2378% | 5,729 |
| Noninterest income to average assets | 0.3185% | 5,902 |
| Noninterest expense to average assets | 2.4648% | 5,979 |
| Loan and lease loss provision to assets | 0.1016% | 5,666 |
| Net operating income to assets | 0.5099% | 4,375 |
| Return on assets (ROA) | 0.5099% | 4,561 |
| Pretax return on assets | 0.6929% | 4,455 |
| Return on Equity (ROE) | 3.2343% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.2343% | 4,074 |
| Net charge-offs to loans | 0.1928% | 3,483 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 6.5139% | 2,488 |
| Efficiency ratio | 75.6237% | 3,545 |
| Assets per employee ($millions) | 4.7827% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 6,977 |
| Loan loss allowance to noncurrent loans | 82.2034% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7460% | 5,290 |
| Noncurrent loans to loans | 1.0323% | 4,924 |
| Net loans and leases to total assets | 61.6112% | 5,399 |
| Net loans and leases to deposits | 80.0311% | 4,606 |
| Net loans and leases to core deposits | 114.2549% | 2,986 |
| Total domestic deposits to total assets | 76.9841% | 6,282 |
| Equity capital to assets | 15.6058% | 948 |
| Core capital (leverage) ratio | 14.8332% | 1,002 |
| Tier 1 risk-based capital ratio | 27.6095% | 780 |
| Total risk-based capital ratio | 28.7065% | 770 |
| Memoranda: | ||
| Average total assets | $236,125,500 | 2,813 |
| Average earning assets | $214,469,500 | 2,833 |
| Average equity | $37,226,000 | 1,835 |
| Average total loans | $149,409,000 | 3,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1514% | 4,771 |
| Cost of funding earning assets | 2.8239% | 2,612 |
| Net interest margin | 3.3275% | 5,936 |
| Noninterest income to average assets | 0.3153% | 6,196 |
| Noninterest expense to average assets | 2.3793% | 6,468 |
| Loan and lease loss provision to assets | 0.0678% | 6,544 |
| Net operating income to assets | 0.6238% | 4,211 |
| Return on assets (ROA) | 0.6238% | 4,061 |
| Pretax return on assets | 0.8815% | 3,792 |
| Return on Equity (ROE) | 4.0484% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.0484% | 2,613 |
| Net charge-offs to loans | 0.0669% | 5,825 |
| Credit loss provision to net charge-offs | 156.8627% | 3,320 |
| Earnings coverage of net charge-offs (x) | 21.9608% | 1,502 |
| Efficiency ratio | 71.4795% | 4,039 |
| Assets per employee ($millions) | 4.6623% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,910 |
| Loan loss allowance to noncurrent loans | 138.6710% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,051 |
| Noncurrent loans to loans | 0.6111% | 5,539 |
| Net loans and leases to total assets | 63.8952% | 5,292 |
| Net loans and leases to deposits | 83.5231% | 4,493 |
| Net loans and leases to core deposits | 117.6252% | 2,933 |
| Total domestic deposits to total assets | 76.5001% | 6,119 |
| Equity capital to assets | 15.9290% | 952 |
| Core capital (leverage) ratio | 15.3728% | 947 |
| Tier 1 risk-based capital ratio | 27.9207% | 763 |
| Total risk-based capital ratio | 29.0871% | 756 |
| Memoranda: | ||
| Average total assets | $235,954,400 | 2,691 |
| Average earning assets | $213,674,600 | 2,725 |
| Average equity | $36,360,400 | 1,855 |
| Average total loans | $152,414,600 | 2,882 |