Home > Thomaston Savings Bank > Performance and Condition Ratios
Thomaston Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,580 |
| Cost of funding earning assets | 1.1494% | 2,939 |
| Net interest margin | 3.0780% | 3,141 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4263% | 2,511 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.6394% | 3,340 |
| Return on assets (ROA) | 0.6998% | 3,170 |
| Pretax return on assets | 0.8579% | 3,077 |
| Return on Equity (ROE) | 10.7100% | 2,302 |
| Retained earnings to average equity (ytd only) | 10.7075% | 855 |
| Net charge-offs to loans | 0.0574% | 1,282 |
| Credit loss provision to net charge-offs | 234.7068% | 1,116 |
| Earnings coverage of net charge-offs (x) | 24.9762% | 1,739 |
| Efficiency ratio | 72.4687% | 1,618 |
| Assets per employee ($millions) | 7.7297% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,558 |
| Loan loss allowance to noncurrent loans | 173.7852% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,474 |
| Noncurrent loans to loans | 0.5428% | 1,440 |
| Net loans and leases to total assets | 68.1500% | 2,019 |
| Net loans and leases to deposits | 77.7583% | 2,289 |
| Net loans and leases to core deposits | 85.2572% | 2,357 |
| Total domestic deposits to total assets | 87.6400% | 1,474 |
| Equity capital to assets | 7.0460% | 3,919 |
| Core capital (leverage) ratio | 9.4632% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,709,783,800 | 646 |
| Average earning assets | $1,590,068,200 | 637 |
| Average equity | $111,744,600 | 876 |
| Average total loans | $1,099,811,600 | 676 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,652 |
| Cost of funding earning assets | 0.9970% | 3,051 |
| Net interest margin | 3.1100% | 3,123 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.4421% | 2,398 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.6328% | 3,465 |
| Return on assets (ROA) | 0.7209% | 3,239 |
| Pretax return on assets | 0.8834% | 3,143 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 11.2623% | 1,113 |
| Net charge-offs to loans | 0.0868% | 869 |
| Credit loss provision to net charge-offs | 270.9353% | 941 |
| Earnings coverage of net charge-offs (x) | 16.8691% | 1,917 |
| Efficiency ratio | 72.5395% | 1,511 |
| Assets per employee ($millions) | 7.6695% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,275 |
| Loan loss allowance to noncurrent loans | 168.1850% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,429 |
| Noncurrent loans to loans | 0.6046% | 1,333 |
| Net loans and leases to total assets | 66.0900% | 2,234 |
| Net loans and leases to deposits | 74.7508% | 2,507 |
| Net loans and leases to core deposits | 81.6609% | 2,492 |
| Total domestic deposits to total assets | 88.4200% | 1,438 |
| Equity capital to assets | 6.1369% | 3,941 |
| Core capital (leverage) ratio | 9.4234% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,690,839,250 | 653 |
| Average earning assets | $1,572,473,500 | 648 |
| Average equity | $108,228,250 | 892 |
| Average total loans | $1,067,672,500 | 696 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,709 |
| Cost of funding earning assets | 0.8107% | 3,173 |
| Net interest margin | 3.1777% | 3,042 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.4639% | 2,308 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6984% | 3,347 |
| Return on assets (ROA) | 0.9693% | 2,514 |
| Pretax return on assets | 1.1960% | 2,369 |
| Return on Equity (ROE) | 14.9300% | 1,486 |
| Retained earnings to average equity (ytd only) | 14.9276% | 570 |
| Net charge-offs to loans | 0.0403% | 1,116 |
| Credit loss provision to net charge-offs | 447.5962% | 690 |
| Earnings coverage of net charge-offs (x) | 39.0433% | 1,415 |
| Efficiency ratio | 71.6861% | 1,594 |
| Assets per employee ($millions) | 7.5628% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,160 |
| Loan loss allowance to noncurrent loans | 198.2186% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 1,579 |
| Noncurrent loans to loans | 0.5324% | 1,396 |
| Net loans and leases to total assets | 62.3100% | 2,550 |
| Net loans and leases to deposits | 70.9735% | 2,719 |
| Net loans and leases to core deposits | 77.0888% | 2,683 |
| Total domestic deposits to total assets | 87.8000% | 1,675 |
| Equity capital to assets | 6.4349% | 4,021 |
| Core capital (leverage) ratio | 9.8048% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,669,010,333 | 649 |
| Average earning assets | $1,552,949,667 | 642 |
| Average equity | $108,376,333 | 885 |
| Average total loans | $1,032,641,000 | 693 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 3,541 |
| Cost of funding earning assets | 0.6053% | 3,368 |
| Net interest margin | 3.3493% | 2,754 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.4363% | 2,416 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8699% | 2,957 |
| Return on assets (ROA) | 1.1020% | 2,185 |
| Pretax return on assets | 1.3625% | 1,979 |
| Return on Equity (ROE) | 16.8900% | 1,196 |
| Retained earnings to average equity (ytd only) | 16.8912% | 605 |
| Net charge-offs to loans | 0.0084% | 1,631 |
| Credit loss provision to net charge-offs | 1,409.5238% | 290 |
| Earnings coverage of net charge-offs (x) | 224.3333% | 473 |
| Efficiency ratio | 67.9698% | 1,979 |
| Assets per employee ($millions) | 7.3398% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,187 |
| Loan loss allowance to noncurrent loans | 202.7430% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 1,542 |
| Noncurrent loans to loans | 0.5296% | 1,395 |
| Net loans and leases to total assets | 61.1700% | 2,541 |
| Net loans and leases to deposits | 69.1415% | 2,685 |
| Net loans and leases to core deposits | 74.3057% | 2,652 |
| Total domestic deposits to total assets | 88.4700% | 1,748 |
| Equity capital to assets | 6.8064% | 3,907 |
| Core capital (leverage) ratio | 9.8031% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,641,355,000 | 671 |
| Average earning assets | $1,526,399,500 | 660 |
| Average equity | $107,085,500 | 904 |
| Average total loans | $1,005,976,000 | 718 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3183% | 3,544 |
| Cost of funding earning assets | 0.1757% | 3,946 |
| Net interest margin | 3.1425% | 3,053 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.4122% | 2,391 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8107% | 3,289 |
| Return on assets (ROA) | 0.6685% | 3,658 |
| Pretax return on assets | 0.8073% | 3,606 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 9.7208% | 1,234 |
| Net charge-offs to loans | -0.0351% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.7534% | 1,591 |
| Assets per employee ($millions) | 6.9398% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 2,947 |
| Loan loss allowance to noncurrent loans | 268.8533% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,922 |
| Noncurrent loans to loans | 0.4050% | 1,712 |
| Net loans and leases to total assets | 60.0700% | 2,624 |
| Net loans and leases to deposits | 66.6354% | 2,845 |
| Net loans and leases to core deposits | 70.3592% | 2,849 |
| Total domestic deposits to total assets | 90.1500% | 1,294 |
| Equity capital to assets | 6.2359% | 4,004 |
| Core capital (leverage) ratio | 9.7289% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,596,908,400 | 673 |
| Average earning assets | $1,494,944,200 | 659 |
| Average equity | $109,826,200 | 885 |
| Average total loans | $909,431,200 | 746 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1741% | 3,495 |
| Cost of funding earning assets | 0.1601% | 3,728 |
| Net interest margin | 3.0140% | 3,185 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.4003% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7964% | 3,278 |
| Return on assets (ROA) | 0.2690% | 4,379 |
| Pretax return on assets | 0.3007% | 4,376 |
| Return on Equity (ROE) | 3.8200% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.8201% | 3,506 |
| Net charge-offs to loans | -0.0380% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8868% | 1,391 |
| Assets per employee ($millions) | 6.7565% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,056 |
| Loan loss allowance to noncurrent loans | 295.5556% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,122 |
| Noncurrent loans to loans | 0.3693% | 1,915 |
| Net loans and leases to total assets | 59.4700% | 2,562 |
| Net loans and leases to deposits | 63.5436% | 2,897 |
| Net loans and leases to core deposits | 66.3082% | 2,936 |
| Total domestic deposits to total assets | 93.5800% | 442 |
| Equity capital to assets | 5.7778% | 4,047 |
| Core capital (leverage) ratio | 9.3585% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,590,154,500 | 679 |
| Average earning assets | $1,491,462,250 | 665 |
| Average equity | $111,966,000 | 888 |
| Average total loans | $890,225,250 | 756 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 3,500 |
| Cost of funding earning assets | 0.1626% | 3,412 |
| Net interest margin | 2.8599% | 3,267 |
| Noninterest income to average assets | 0.4576% | 2,406 |
| Noninterest expense to average assets | 2.3246% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8234% | 2,871 |
| Return on assets (ROA) | 0.1416% | 4,447 |
| Pretax return on assets | 0.1383% | 4,460 |
| Return on Equity (ROE) | 1.8984% | 4,363 |
| Retained earnings to average equity (ytd only) | 1.8984% | 3,781 |
| Net charge-offs to loans | -0.0559% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9212% | 1,518 |
| Assets per employee ($millions) | 6.9749% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,900 |
| Loan loss allowance to noncurrent loans | 365.4212% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,458 |
| Noncurrent loans to loans | 0.3166% | 2,206 |
| Net loans and leases to total assets | 55.9464% | 2,765 |
| Net loans and leases to deposits | 60.4993% | 3,021 |
| Net loans and leases to core deposits | 63.1620% | 3,026 |
| Total domestic deposits to total assets | 92.4746% | 663 |
| Equity capital to assets | 6.3735% | 4,071 |
| Core capital (leverage) ratio | 9.3828% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,593,199,000 | 668 |
| Average earning assets | $1,496,976,667 | 664 |
| Average equity | $118,838,667 | 848 |
| Average total loans | $870,112,333 | 756 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9236% | 3,472 |
| Cost of funding earning assets | 0.1676% | 3,250 |
| Net interest margin | 2.7559% | 3,263 |
| Noninterest income to average assets | 0.4660% | 2,321 |
| Noninterest expense to average assets | 2.2699% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7049% | 3,041 |
| Return on assets (ROA) | 0.2883% | 4,144 |
| Pretax return on assets | 0.3244% | 4,150 |
| Return on Equity (ROE) | 3.6056% | 3,966 |
| Retained earnings to average equity (ytd only) | 3.6056% | 3,069 |
| Net charge-offs to loans | -0.1185% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1234% | 1,729 |
| Assets per employee ($millions) | 7.0508% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,813 |
| Loan loss allowance to noncurrent loans | 280.9421% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,264 |
| Noncurrent loans to loans | 0.4303% | 1,954 |
| Net loans and leases to total assets | 52.9885% | 2,879 |
| Net loans and leases to deposits | 57.8497% | 3,091 |
| Net loans and leases to core deposits | 60.6498% | 3,091 |
| Total domestic deposits to total assets | 91.5969% | 755 |
| Equity capital to assets | 7.2771% | 4,062 |
| Core capital (leverage) ratio | 9.4076% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,598,149,500 | 669 |
| Average earning assets | $1,505,559,000 | 661 |
| Average equity | $127,802,500 | 801 |
| Average total loans | $857,085,500 | 756 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 3,220 |
| Cost of funding earning assets | 0.2587% | 2,825 |
| Net interest margin | 3.0411% | 3,071 |
| Noninterest income to average assets | 0.6529% | 1,930 |
| Noninterest expense to average assets | 2.3581% | 2,627 |
| Loan and lease loss provision to assets | 0.0471% | 2,115 |
| Net operating income to assets | 0.9089% | 3,002 |
| Return on assets (ROA) | 1.0751% | 2,462 |
| Pretax return on assets | 1.3201% | 2,294 |
| Return on Equity (ROE) | 12.4831% | 1,659 |
| Retained earnings to average equity (ytd only) | 12.4831% | 474 |
| Net charge-offs to loans | -0.0007% | 3,249 |
| Credit loss provision to net charge-offs | -11,850.0000% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9900% | 2,127 |
| Assets per employee ($millions) | 7.0609% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,960 |
| Loan loss allowance to noncurrent loans | 292.7147% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,473 |
| Noncurrent loans to loans | 0.4042% | 2,148 |
| Net loans and leases to total assets | 52.9883% | 2,965 |
| Net loans and leases to deposits | 59.1529% | 3,151 |
| Net loans and leases to core deposits | 62.0112% | 3,161 |
| Total domestic deposits to total assets | 89.5786% | 1,188 |
| Equity capital to assets | 8.7188% | 3,871 |
| Core capital (leverage) ratio | 9.5404% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,508,481,600 | 683 |
| Average earning assets | $1,422,178,800 | 670 |
| Average equity | $129,919,600 | 797 |
| Average total loans | $891,393,000 | 731 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 3,170 |
| Cost of funding earning assets | 0.2796% | 2,804 |
| Net interest margin | 3.0983% | 3,061 |
| Noninterest income to average assets | 0.6771% | 1,902 |
| Noninterest expense to average assets | 2.3827% | 2,494 |
| Loan and lease loss provision to assets | 0.0638% | 1,721 |
| Net operating income to assets | 0.9388% | 3,126 |
| Return on assets (ROA) | 0.9750% | 3,086 |
| Pretax return on assets | 1.1937% | 2,953 |
| Return on Equity (ROE) | 11.3577% | 2,257 |
| Retained earnings to average equity (ytd only) | 11.3577% | 983 |
| Net charge-offs to loans | 0.0073% | 2,050 |
| Credit loss provision to net charge-offs | 1,451.0204% | 415 |
| Earnings coverage of net charge-offs (x) | 276.1020% | 459 |
| Efficiency ratio | 66.2593% | 2,069 |
| Assets per employee ($millions) | 7.2532% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,274 |
| Loan loss allowance to noncurrent loans | 245.4656% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 2,480 |
| Noncurrent loans to loans | 0.4627% | 2,173 |
| Net loans and leases to total assets | 55.1821% | 2,828 |
| Net loans and leases to deposits | 61.3406% | 3,108 |
| Net loans and leases to core deposits | 64.3971% | 3,095 |
| Total domestic deposits to total assets | 89.9603% | 789 |
| Equity capital to assets | 8.5397% | 4,185 |
| Core capital (leverage) ratio | 9.4131% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,486,658,750 | 699 |
| Average earning assets | $1,400,620,500 | 686 |
| Average equity | $127,616,250 | 826 |
| Average total loans | $900,316,750 | 739 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4355% | 3,062 |
| Cost of funding earning assets | 0.3075% | 2,707 |
| Net interest margin | 3.1280% | 2,962 |
| Noninterest income to average assets | 0.6904% | 1,849 |
| Noninterest expense to average assets | 2.3775% | 2,537 |
| Loan and lease loss provision to assets | 0.0993% | 1,277 |
| Net operating income to assets | 0.9439% | 3,078 |
| Return on assets (ROA) | 0.9817% | 3,045 |
| Pretax return on assets | 1.2023% | 2,908 |
| Return on Equity (ROE) | 11.4152% | 2,261 |
| Retained earnings to average equity (ytd only) | 11.4152% | 1,030 |
| Net charge-offs to loans | -0.0150% | 3,856 |
| Credit loss provision to net charge-offs | -1,060.2941% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4426% | 2,235 |
| Assets per employee ($millions) | 6.7819% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,337 |
| Loan loss allowance to noncurrent loans | 234.3908% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,427 |
| Noncurrent loans to loans | 0.4770% | 2,245 |
| Net loans and leases to total assets | 59.6273% | 2,470 |
| Net loans and leases to deposits | 66.6344% | 2,765 |
| Net loans and leases to core deposits | 70.5813% | 2,727 |
| Total domestic deposits to total assets | 89.4842% | 1,039 |
| Equity capital to assets | 8.4902% | 4,212 |
| Core capital (leverage) ratio | 9.5996% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,452,731,667 | 708 |
| Average earning assets | $1,366,572,333 | 695 |
| Average equity | $124,939,000 | 837 |
| Average total loans | $904,887,667 | 738 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 2,854 |
| Cost of funding earning assets | 0.3514% | 2,506 |
| Net interest margin | 3.1710% | 2,783 |
| Noninterest income to average assets | 0.7219% | 1,801 |
| Noninterest expense to average assets | 2.3945% | 2,505 |
| Loan and lease loss provision to assets | 0.1501% | 868 |
| Net operating income to assets | 0.9448% | 2,984 |
| Return on assets (ROA) | 0.9372% | 3,097 |
| Pretax return on assets | 1.1489% | 2,991 |
| Return on Equity (ROE) | 10.8241% | 2,417 |
| Retained earnings to average equity (ytd only) | 10.8241% | 1,440 |
| Net charge-offs to loans | -0.0075% | 3,548 |
| Credit loss provision to net charge-offs | -3,141.1765% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6675% | 2,385 |
| Assets per employee ($millions) | 6.7418% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,474 |
| Loan loss allowance to noncurrent loans | 161.8398% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 2,153 |
| Noncurrent loans to loans | 0.6750% | 1,898 |
| Net loans and leases to total assets | 61.0647% | 2,397 |
| Net loans and leases to deposits | 68.1576% | 2,685 |
| Net loans and leases to core deposits | 72.4021% | 2,664 |
| Total domestic deposits to total assets | 89.5933% | 1,022 |
| Equity capital to assets | 8.2796% | 4,297 |
| Core capital (leverage) ratio | 9.7594% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,422,916,500 | 712 |
| Average earning assets | $1,337,625,500 | 702 |
| Average equity | $123,207,000 | 843 |
| Average total loans | $901,343,500 | 736 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 3,433 |
| Cost of funding earning assets | 0.6256% | 2,151 |
| Net interest margin | 3.1284% | 3,557 |
| Noninterest income to average assets | 0.7273% | 1,757 |
| Noninterest expense to average assets | 2.7437% | 2,106 |
| Loan and lease loss provision to assets | 0.1820% | 2,123 |
| Net operating income to assets | 0.6020% | 3,750 |
| Return on assets (ROA) | 0.6335% | 3,768 |
| Pretax return on assets | 0.7624% | 3,734 |
| Return on Equity (ROE) | 6.6596% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.6596% | 1,527 |
| Net charge-offs to loans | 0.0149% | 2,823 |
| Credit loss provision to net charge-offs | 1,782.8125% | 483 |
| Earnings coverage of net charge-offs (x) | 88.7969% | 849 |
| Efficiency ratio | 75.1671% | 1,319 |
| Assets per employee ($millions) | 6.1963% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,658 |
| Loan loss allowance to noncurrent loans | 130.8527% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 1,977 |
| Noncurrent loans to loans | 0.8067% | 1,735 |
| Net loans and leases to total assets | 64.3890% | 2,315 |
| Net loans and leases to deposits | 72.5664% | 2,633 |
| Net loans and leases to core deposits | 77.5226% | 2,591 |
| Total domestic deposits to total assets | 88.7312% | 1,104 |
| Equity capital to assets | 9.0676% | 4,000 |
| Core capital (leverage) ratio | 10.0054% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,253,924,800 | 725 |
| Average earning assets | $1,171,517,000 | 718 |
| Average equity | $119,285,800 | 826 |
| Average total loans | $860,067,400 | 745 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 3,707 |
| Cost of funding earning assets | 0.6812% | 2,135 |
| Net interest margin | 3.0552% | 3,849 |
| Noninterest income to average assets | 0.6919% | 1,824 |
| Noninterest expense to average assets | 2.7819% | 2,018 |
| Loan and lease loss provision to assets | 0.1557% | 2,452 |
| Net operating income to assets | 0.5074% | 4,007 |
| Return on assets (ROA) | 0.5486% | 4,004 |
| Pretax return on assets | 0.6539% | 3,998 |
| Return on Equity (ROE) | 5.6928% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.6928% | 2,244 |
| Net charge-offs to loans | 0.0083% | 2,818 |
| Credit loss provision to net charge-offs | 2,700.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 131.8491% | 659 |
| Efficiency ratio | 78.5308% | 981 |
| Assets per employee ($millions) | 6.2481% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,947 |
| Loan loss allowance to noncurrent loans | 105.5263% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 1,910 |
| Noncurrent loans to loans | 0.8875% | 1,687 |
| Net loans and leases to total assets | 67.6498% | 2,288 |
| Net loans and leases to deposits | 75.9792% | 2,753 |
| Net loans and leases to core deposits | 81.4914% | 2,700 |
| Total domestic deposits to total assets | 89.0372% | 750 |
| Equity capital to assets | 8.9754% | 4,140 |
| Core capital (leverage) ratio | 10.0016% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,225,062,000 | 730 |
| Average earning assets | $1,143,045,500 | 720 |
| Average equity | $118,064,750 | 829 |
| Average total loans | $852,300,500 | 744 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,887 |
| Cost of funding earning assets | 0.7399% | 2,179 |
| Net interest margin | 3.0491% | 4,013 |
| Noninterest income to average assets | 0.6178% | 2,066 |
| Noninterest expense to average assets | 2.8328% | 2,014 |
| Loan and lease loss provision to assets | 0.1651% | 2,349 |
| Net operating income to assets | 0.3879% | 4,255 |
| Return on assets (ROA) | 0.4427% | 4,206 |
| Pretax return on assets | 0.5237% | 4,213 |
| Return on Equity (ROE) | 4.4770% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.4770% | 2,718 |
| Net charge-offs to loans | 0.0096% | 2,601 |
| Credit loss provision to net charge-offs | 2,442.5000% | 417 |
| Earnings coverage of net charge-offs (x) | 92.3500% | 730 |
| Efficiency ratio | 81.9435% | 758 |
| Assets per employee ($millions) | 6.1805% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,053 |
| Loan loss allowance to noncurrent loans | 98.5678% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 1,866 |
| Noncurrent loans to loans | 0.8985% | 1,705 |
| Net loans and leases to total assets | 70.2811% | 1,989 |
| Net loans and leases to deposits | 79.4557% | 2,495 |
| Net loans and leases to core deposits | 85.1960% | 2,507 |
| Total domestic deposits to total assets | 88.4531% | 965 |
| Equity capital to assets | 9.2204% | 3,908 |
| Core capital (leverage) ratio | 10.4479% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,183,555,333 | 740 |
| Average earning assets | $1,102,111,667 | 729 |
| Average equity | $117,043,000 | 827 |
| Average total loans | $829,194,000 | 752 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,650 |
| Cost of funding earning assets | 0.8322% | 2,213 |
| Net interest margin | 3.2186% | 3,809 |
| Noninterest income to average assets | 0.5263% | 2,403 |
| Noninterest expense to average assets | 3.0169% | 1,847 |
| Loan and lease loss provision to assets | 0.1870% | 1,602 |
| Net operating income to assets | 0.2640% | 4,424 |
| Return on assets (ROA) | 0.3105% | 4,348 |
| Pretax return on assets | 0.3589% | 4,364 |
| Return on Equity (ROE) | 3.0214% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.0214% | 3,075 |
| Net charge-offs to loans | 0.0174% | 2,027 |
| Credit loss provision to net charge-offs | 1,544.1176% | 418 |
| Earnings coverage of net charge-offs (x) | 40.6765% | 1,018 |
| Efficiency ratio | 85.9665% | 709 |
| Assets per employee ($millions) | 5.3077% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,822 |
| Loan loss allowance to noncurrent loans | 127.5993% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 2,312 |
| Noncurrent loans to loans | 0.7647% | 2,087 |
| Net loans and leases to total assets | 69.1934% | 2,369 |
| Net loans and leases to deposits | 79.4468% | 2,737 |
| Net loans and leases to core deposits | 85.4030% | 2,726 |
| Total domestic deposits to total assets | 87.0940% | 1,521 |
| Equity capital to assets | 10.3289% | 3,492 |
| Core capital (leverage) ratio | 11.4745% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,123,286,000 | 747 |
| Average earning assets | $1,041,072,500 | 736 |
| Average equity | $115,443,000 | 829 |
| Average total loans | $781,430,500 | 764 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,971 |
| Cost of funding earning assets | 0.9260% | 2,080 |
| Net interest margin | 3.2059% | 4,171 |
| Noninterest income to average assets | 0.5672% | 2,388 |
| Noninterest expense to average assets | 2.9333% | 2,193 |
| Loan and lease loss provision to assets | 0.1009% | 2,040 |
| Net operating income to assets | 0.4314% | 4,541 |
| Return on assets (ROA) | 0.5247% | 4,396 |
| Pretax return on assets | 0.6186% | 4,383 |
| Return on Equity (ROE) | 5.0032% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,412 |
| Net charge-offs to loans | 0.0804% | 1,957 |
| Credit loss provision to net charge-offs | 188.2051% | 1,404 |
| Earnings coverage of net charge-offs (x) | 11.3761% | 2,501 |
| Efficiency ratio | 82.7916% | 747 |
| Assets per employee ($millions) | 5.2147% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,771 |
| Loan loss allowance to noncurrent loans | 112.8169% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,109 |
| Noncurrent loans to loans | 0.8358% | 1,839 |
| Net loans and leases to total assets | 68.5978% | 2,601 |
| Net loans and leases to deposits | 78.8055% | 2,927 |
| Net loans and leases to core deposits | 84.7638% | 2,893 |
| Total domestic deposits to total assets | 87.0470% | 1,583 |
| Equity capital to assets | 10.2244% | 3,707 |
| Core capital (leverage) ratio | 11.4974% | 2,112 |
| Tier 1 risk-based capital ratio | 15.8048% | 2,472 |
| Total risk-based capital ratio | 16.7384% | 2,515 |
| Memoranda: | ||
| Average total assets | $1,091,522,800 | 730 |
| Average earning assets | $1,013,188,600 | 719 |
| Average equity | $114,467,200 | 796 |
| Average total loans | $728,034,400 | 783 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 4,091 |
| Cost of funding earning assets | 0.9276% | 2,094 |
| Net interest margin | 3.2014% | 4,296 |
| Noninterest income to average assets | 0.5495% | 2,466 |
| Noninterest expense to average assets | 2.9379% | 2,132 |
| Loan and lease loss provision to assets | 0.0891% | 2,119 |
| Net operating income to assets | 0.4259% | 4,671 |
| Return on assets (ROA) | 0.4979% | 4,569 |
| Pretax return on assets | 0.5827% | 4,573 |
| Return on Equity (ROE) | 4.7174% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.7174% | 3,047 |
| Net charge-offs to loans | 0.0659% | 1,884 |
| Credit loss provision to net charge-offs | 204.5070% | 1,290 |
| Earnings coverage of net charge-offs (x) | 13.4789% | 2,292 |
| Efficiency ratio | 83.3455% | 660 |
| Assets per employee ($millions) | 5.1898% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,765 |
| Loan loss allowance to noncurrent loans | 109.9799% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,252 |
| Noncurrent loans to loans | 0.8768% | 1,830 |
| Net loans and leases to total assets | 65.1189% | 3,167 |
| Net loans and leases to deposits | 74.4704% | 3,438 |
| Net loans and leases to core deposits | 80.1432% | 3,381 |
| Total domestic deposits to total assets | 87.4427% | 1,285 |
| Equity capital to assets | 10.0953% | 3,924 |
| Core capital (leverage) ratio | 11.2391% | 2,432 |
| Tier 1 risk-based capital ratio | 16.2638% | 2,342 |
| Total risk-based capital ratio | 17.2188% | 2,382 |
| Memoranda: | ||
| Average total assets | $1,086,720,500 | 733 |
| Average earning assets | $1,010,026,250 | 722 |
| Average equity | $114,692,500 | 791 |
| Average total loans | $717,745,250 | 788 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 4,134 |
| Cost of funding earning assets | 0.9150% | 2,077 |
| Net interest margin | 3.1962% | 4,378 |
| Noninterest income to average assets | 0.5539% | 2,371 |
| Noninterest expense to average assets | 2.9508% | 2,133 |
| Loan and lease loss provision to assets | 0.0930% | 1,988 |
| Net operating income to assets | 0.4164% | 4,707 |
| Return on assets (ROA) | 0.5076% | 4,547 |
| Pretax return on assets | 0.5898% | 4,566 |
| Return on Equity (ROE) | 4.7378% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.7378% | 2,892 |
| Net charge-offs to loans | 0.0253% | 2,347 |
| Credit loss provision to net charge-offs | 555.5556% | 554 |
| Earnings coverage of net charge-offs (x) | 34.4556% | 1,356 |
| Efficiency ratio | 83.6497% | 678 |
| Assets per employee ($millions) | 5.2207% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,681 |
| Loan loss allowance to noncurrent loans | 129.6390% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,502 |
| Noncurrent loans to loans | 0.7633% | 2,074 |
| Net loans and leases to total assets | 65.2292% | 3,207 |
| Net loans and leases to deposits | 74.4647% | 3,480 |
| Net loans and leases to core deposits | 81.5708% | 3,293 |
| Total domestic deposits to total assets | 87.5975% | 1,286 |
| Equity capital to assets | 10.8570% | 3,220 |
| Core capital (leverage) ratio | 11.5320% | 2,132 |
| Tier 1 risk-based capital ratio | 16.7106% | 2,175 |
| Total risk-based capital ratio | 17.7047% | 2,200 |
| Memoranda: | ||
| Average total assets | $1,075,298,000 | 739 |
| Average earning assets | $1,000,434,670 | 721 |
| Average equity | $115,201,000 | 782 |
| Average total loans | $711,299,330 | 797 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 4,073 |
| Cost of funding earning assets | 0.8978% | 2,016 |
| Net interest margin | 3.2229% | 4,336 |
| Noninterest income to average assets | 0.5357% | 2,364 |
| Noninterest expense to average assets | 2.8904% | 2,302 |
| Loan and lease loss provision to assets | 0.0939% | 1,854 |
| Net operating income to assets | 0.4719% | 4,593 |
| Return on assets (ROA) | 0.6582% | 4,102 |
| Pretax return on assets | 0.7607% | 4,146 |
| Return on Equity (ROE) | 6.1861% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.1861% | 2,373 |
| Net charge-offs to loans | 0.0306% | 1,841 |
| Credit loss provision to net charge-offs | 462.9630% | 637 |
| Earnings coverage of net charge-offs (x) | 31.5741% | 1,302 |
| Efficiency ratio | 81.8598% | 885 |
| Assets per employee ($millions) | 5.2858% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,836 |
| Loan loss allowance to noncurrent loans | 113.7117% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,388 |
| Noncurrent loans to loans | 0.8596% | 1,921 |
| Net loans and leases to total assets | 64.8148% | 3,190 |
| Net loans and leases to deposits | 73.7623% | 3,471 |
| Net loans and leases to core deposits | 80.6028% | 3,310 |
| Total domestic deposits to total assets | 87.8698% | 1,407 |
| Equity capital to assets | 10.6264% | 3,229 |
| Core capital (leverage) ratio | 11.5550% | 2,100 |
| Tier 1 risk-based capital ratio | 17.0037% | 2,103 |
| Total risk-based capital ratio | 17.9940% | 2,140 |
| Memoranda: | ||
| Average total assets | $1,064,774,000 | 747 |
| Average earning assets | $989,532,500 | 736 |
| Average equity | $113,286,500 | 788 |
| Average total loans | $705,806,500 | 805 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,095 |
| Cost of funding earning assets | 0.8064% | 1,490 |
| Net interest margin | 3.1691% | 4,541 |
| Noninterest income to average assets | 0.5481% | 2,555 |
| Noninterest expense to average assets | 2.8192% | 2,625 |
| Loan and lease loss provision to assets | 0.1038% | 2,120 |
| Net operating income to assets | 0.4929% | 4,674 |
| Return on assets (ROA) | 0.5283% | 4,593 |
| Pretax return on assets | 0.6022% | 4,624 |
| Return on Equity (ROE) | 5.0095% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.0095% | 2,764 |
| Net charge-offs to loans | 0.1191% | 1,551 |
| Credit loss provision to net charge-offs | 128.7971% | 2,049 |
| Earnings coverage of net charge-offs (x) | 8.2612% | 2,910 |
| Efficiency ratio | 80.8969% | 883 |
| Assets per employee ($millions) | 5.2038% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,919 |
| Loan loss allowance to noncurrent loans | 94.8339% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,028 |
| Noncurrent loans to loans | 1.0114% | 1,609 |
| Net loans and leases to total assets | 66.5051% | 3,055 |
| Net loans and leases to deposits | 75.8037% | 3,361 |
| Net loans and leases to core deposits | 83.3106% | 3,148 |
| Total domestic deposits to total assets | 87.7334% | 1,429 |
| Equity capital to assets | 10.6531% | 3,025 |
| Core capital (leverage) ratio | 11.6882% | 1,961 |
| Tier 1 risk-based capital ratio | 17.2051% | 1,994 |
| Total risk-based capital ratio | 18.1937% | 2,033 |
| Memoranda: | ||
| Average total assets | $1,021,296,600 | 750 |
| Average earning assets | $946,414,600 | 741 |
| Average equity | $107,716,000 | 794 |
| Average total loans | $691,274,000 | 795 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,148 |
| Cost of funding earning assets | 0.7807% | 1,428 |
| Net interest margin | 3.1445% | 4,625 |
| Noninterest income to average assets | 0.5507% | 2,566 |
| Noninterest expense to average assets | 2.8153% | 2,586 |
| Loan and lease loss provision to assets | 0.1064% | 1,882 |
| Net operating income to assets | 0.4767% | 4,808 |
| Return on assets (ROA) | 0.5242% | 4,712 |
| Pretax return on assets | 0.5964% | 4,740 |
| Return on Equity (ROE) | 4.9830% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.9830% | 3,249 |
| Net charge-offs to loans | 0.0538% | 2,049 |
| Credit loss provision to net charge-offs | 291.3669% | 1,045 |
| Earnings coverage of net charge-offs (x) | 17.7697% | 2,096 |
| Efficiency ratio | 81.2701% | 836 |
| Assets per employee ($millions) | 5.3514% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,655 |
| Loan loss allowance to noncurrent loans | 104.2087% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,207 |
| Noncurrent loans to loans | 0.9759% | 1,742 |
| Net loans and leases to total assets | 65.5894% | 3,230 |
| Net loans and leases to deposits | 74.4624% | 3,553 |
| Net loans and leases to core deposits | 82.3554% | 3,299 |
| Total domestic deposits to total assets | 88.0840% | 1,207 |
| Equity capital to assets | 10.3177% | 3,317 |
| Core capital (leverage) ratio | 11.6656% | 2,030 |
| Tier 1 risk-based capital ratio | 17.2471% | 2,005 |
| Total risk-based capital ratio | 18.2955% | 2,033 |
| Memoranda: | ||
| Average total assets | $1,015,128,500 | 749 |
| Average earning assets | $940,539,750 | 743 |
| Average equity | $106,788,000 | 798 |
| Average total loans | $688,502,500 | 801 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,115 |
| Cost of funding earning assets | 0.7598% | 1,326 |
| Net interest margin | 3.1239% | 4,679 |
| Noninterest income to average assets | 0.5185% | 2,755 |
| Noninterest expense to average assets | 2.7826% | 2,715 |
| Loan and lease loss provision to assets | 0.1492% | 1,276 |
| Net operating income to assets | 0.4342% | 4,890 |
| Return on assets (ROA) | 0.4349% | 4,895 |
| Pretax return on assets | 0.4821% | 4,931 |
| Return on Equity (ROE) | 4.1072% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.1072% | 3,554 |
| Net charge-offs to loans | 0.0675% | 1,664 |
| Credit loss provision to net charge-offs | 323.2759% | 956 |
| Earnings coverage of net charge-offs (x) | 13.6638% | 2,137 |
| Efficiency ratio | 81.5290% | 869 |
| Assets per employee ($millions) | 5.4108% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,697 |
| Loan loss allowance to noncurrent loans | 91.6547% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 1,855 |
| Noncurrent loans to loans | 1.1167% | 1,574 |
| Net loans and leases to total assets | 66.7202% | 3,047 |
| Net loans and leases to deposits | 75.9865% | 3,337 |
| Net loans and leases to core deposits | 84.2985% | 3,057 |
| Total domestic deposits to total assets | 87.8054% | 1,469 |
| Equity capital to assets | 10.4655% | 3,161 |
| Core capital (leverage) ratio | 11.6878% | 1,916 |
| Tier 1 risk-based capital ratio | 17.7744% | 1,866 |
| Total risk-based capital ratio | 18.8913% | 1,860 |
| Memoranda: | ||
| Average total assets | $1,005,665,670 | 757 |
| Average earning assets | $931,861,330 | 750 |
| Average equity | $106,495,000 | 800 |
| Average total loans | $687,513,670 | 801 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 4,149 |
| Cost of funding earning assets | 0.7366% | 1,255 |
| Net interest margin | 3.0881% | 4,725 |
| Noninterest income to average assets | 0.5161% | 2,714 |
| Noninterest expense to average assets | 2.7203% | 2,973 |
| Loan and lease loss provision to assets | 0.1500% | 1,214 |
| Net operating income to assets | 0.4558% | 4,799 |
| Return on assets (ROA) | 0.4573% | 4,797 |
| Pretax return on assets | 0.5101% | 4,855 |
| Return on Equity (ROE) | 4.2924% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.2924% | 3,467 |
| Net charge-offs to loans | 0.1360% | 992 |
| Credit loss provision to net charge-offs | 160.2564% | 1,187 |
| Earnings coverage of net charge-offs (x) | 7.0342% | 2,125 |
| Efficiency ratio | 80.5115% | 1,086 |
| Assets per employee ($millions) | 5.4694% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 4,135 |
| Loan loss allowance to noncurrent loans | 77.1492% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9203% | 1,722 |
| Noncurrent loans to loans | 1.2529% | 1,441 |
| Net loans and leases to total assets | 67.2466% | 2,858 |
| Net loans and leases to deposits | 76.7380% | 3,138 |
| Net loans and leases to core deposits | 84.5081% | 2,930 |
| Total domestic deposits to total assets | 87.6313% | 1,833 |
| Equity capital to assets | 10.4865% | 3,088 |
| Core capital (leverage) ratio | 11.8276% | 1,759 |
| Tier 1 risk-based capital ratio | 17.8548% | 1,876 |
| Total risk-based capital ratio | 18.9295% | 1,875 |
| Memoranda: | ||
| Average total assets | $999,888,000 | 763 |
| Average earning assets | $926,904,000 | 757 |
| Average equity | $106,514,000 | 797 |
| Average total loans | $688,415,500 | 798 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 4,075 |
| Cost of funding earning assets | 0.6981% | 1,033 |
| Net interest margin | 3.0933% | 4,705 |
| Noninterest income to average assets | 0.4909% | 3,057 |
| Noninterest expense to average assets | 2.8207% | 2,706 |
| Loan and lease loss provision to assets | 0.1174% | 1,937 |
| Net operating income to assets | 0.1282% | 5,224 |
| Return on assets (ROA) | 0.2429% | 5,042 |
| Pretax return on assets | 0.5906% | 4,760 |
| Return on Equity (ROE) | 2.2588% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.2588% | 3,965 |
| Net charge-offs to loans | 0.1526% | 1,583 |
| Credit loss provision to net charge-offs | 111.2186% | 2,340 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 3,383 |
| Efficiency ratio | 84.2116% | 751 |
| Assets per employee ($millions) | 5.3692% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,261 |
| Loan loss allowance to noncurrent loans | 75.5990% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 1,738 |
| Noncurrent loans to loans | 1.2465% | 1,418 |
| Net loans and leases to total assets | 69.1606% | 2,654 |
| Net loans and leases to deposits | 79.1964% | 3,006 |
| Net loans and leases to core deposits | 87.6899% | 2,752 |
| Total domestic deposits to total assets | 87.3279% | 1,849 |
| Equity capital to assets | 10.8228% | 2,816 |
| Core capital (leverage) ratio | 11.8082% | 1,718 |
| Tier 1 risk-based capital ratio | 17.6486% | 1,901 |
| Total risk-based capital ratio | 18.7186% | 1,905 |
| Memoranda: | ||
| Average total assets | $979,498,800 | 757 |
| Average earning assets | $905,213,600 | 747 |
| Average equity | $105,323,200 | 780 |
| Average total loans | $677,491,400 | 771 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,115 |
| Cost of funding earning assets | 0.6902% | 1,012 |
| Net interest margin | 3.0781% | 4,760 |
| Noninterest income to average assets | 0.4874% | 3,101 |
| Noninterest expense to average assets | 2.7414% | 2,925 |
| Loan and lease loss provision to assets | 0.1160% | 1,863 |
| Net operating income to assets | 0.4026% | 4,995 |
| Return on assets (ROA) | 0.4818% | 4,824 |
| Pretax return on assets | 0.5669% | 4,896 |
| Return on Equity (ROE) | 4.4882% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4882% | 3,229 |
| Net charge-offs to loans | 0.1860% | 1,126 |
| Credit loss provision to net charge-offs | 90.3294% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.5940% | 3,206 |
| Efficiency ratio | 82.2966% | 888 |
| Assets per employee ($millions) | 5.4344% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,398 |
| Loan loss allowance to noncurrent loans | 66.8615% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 1,744 |
| Noncurrent loans to loans | 1.4010% | 1,334 |
| Net loans and leases to total assets | 67.2888% | 2,950 |
| Net loans and leases to deposits | 77.2956% | 3,244 |
| Net loans and leases to core deposits | 84.6811% | 3,074 |
| Total domestic deposits to total assets | 87.0538% | 1,849 |
| Equity capital to assets | 11.0398% | 2,830 |
| Core capital (leverage) ratio | 11.6971% | 1,888 |
| Tier 1 risk-based capital ratio | 17.7018% | 1,944 |
| Total risk-based capital ratio | 18.8139% | 1,930 |
| Memoranda: | ||
| Average total assets | $977,389,250 | 762 |
| Average earning assets | $902,962,250 | 756 |
| Average equity | $104,923,500 | 781 |
| Average total loans | $674,423,500 | 778 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,094 |
| Cost of funding earning assets | 0.6823% | 978 |
| Net interest margin | 3.0618% | 4,766 |
| Noninterest income to average assets | 0.4818% | 3,138 |
| Noninterest expense to average assets | 2.7082% | 3,067 |
| Loan and lease loss provision to assets | 0.1181% | 1,738 |
| Net operating income to assets | 0.4075% | 4,966 |
| Return on assets (ROA) | 0.4598% | 4,848 |
| Pretax return on assets | 0.5442% | 4,919 |
| Return on Equity (ROE) | 4.3246% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.3246% | 3,133 |
| Net charge-offs to loans | 0.2064% | 981 |
| Credit loss provision to net charge-offs | 82.4964% | 2,232 |
| Earnings coverage of net charge-offs (x) | 4.1908% | 2,968 |
| Efficiency ratio | 81.8605% | 1,020 |
| Assets per employee ($millions) | 5.6312% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,499 |
| Loan loss allowance to noncurrent loans | 76.6181% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,115 |
| Noncurrent loans to loans | 1.2171% | 1,602 |
| Net loans and leases to total assets | 67.1233% | 2,930 |
| Net loans and leases to deposits | 77.1614% | 3,204 |
| Net loans and leases to core deposits | 84.5340% | 3,011 |
| Total domestic deposits to total assets | 86.9908% | 1,962 |
| Equity capital to assets | 10.5920% | 3,237 |
| Core capital (leverage) ratio | 11.6784% | 1,846 |
| Tier 1 risk-based capital ratio | 17.9463% | 1,868 |
| Total risk-based capital ratio | 19.0953% | 1,856 |
| Memoranda: | ||
| Average total assets | $973,497,670 | 769 |
| Average earning assets | $898,689,330 | 763 |
| Average equity | $103,501,000 | 792 |
| Average total loans | $675,290,670 | 780 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,002 |
| Cost of funding earning assets | 0.6793% | 931 |
| Net interest margin | 3.0513% | 4,787 |
| Noninterest income to average assets | 0.4839% | 3,079 |
| Noninterest expense to average assets | 2.6433% | 3,332 |
| Loan and lease loss provision to assets | 0.1190% | 1,606 |
| Net operating income to assets | 0.4392% | 4,814 |
| Return on assets (ROA) | 0.4246% | 4,896 |
| Pretax return on assets | 0.5179% | 4,932 |
| Return on Equity (ROE) | 3.9859% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.9859% | 3,452 |
| Net charge-offs to loans | 0.1246% | 1,173 |
| Credit loss provision to net charge-offs | 136.0190% | 1,283 |
| Earnings coverage of net charge-offs (x) | 7.4834% | 2,131 |
| Efficiency ratio | 80.1484% | 1,367 |
| Assets per employee ($millions) | 5.3960% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,529 |
| Loan loss allowance to noncurrent loans | 113.0359% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,831 |
| Noncurrent loans to loans | 0.8432% | 2,349 |
| Net loans and leases to total assets | 69.1131% | 2,517 |
| Net loans and leases to deposits | 79.4601% | 2,818 |
| Net loans and leases to core deposits | 86.9851% | 2,639 |
| Total domestic deposits to total assets | 86.9783% | 2,222 |
| Equity capital to assets | 10.6529% | 3,011 |
| Core capital (leverage) ratio | 11.8085% | 1,748 |
| Tier 1 risk-based capital ratio | 17.7762% | 1,949 |
| Total risk-based capital ratio | 18.9866% | 1,918 |
| Memoranda: | ||
| Average total assets | $964,701,500 | 783 |
| Average earning assets | $889,724,500 | 770 |
| Average equity | $102,763,500 | 796 |
| Average total loans | $677,179,000 | 774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,176 |
| Cost of funding earning assets | 0.6772% | 923 |
| Net interest margin | 3.0352% | 4,890 |
| Noninterest income to average assets | 0.5062% | 3,197 |
| Noninterest expense to average assets | 2.9004% | 2,668 |
| Loan and lease loss provision to assets | 0.0926% | 2,505 |
| Net operating income to assets | 0.2887% | 5,248 |
| Return on assets (ROA) | 0.5053% | 4,685 |
| Pretax return on assets | 0.5661% | 4,881 |
| Return on Equity (ROE) | 4.4254% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.4254% | 2,765 |
| Net charge-offs to loans | 0.0207% | 3,634 |
| Credit loss provision to net charge-offs | 629.6296% | 545 |
| Earnings coverage of net charge-offs (x) | 28.2370% | 1,480 |
| Efficiency ratio | 87.4745% | 716 |
| Assets per employee ($millions) | 5.4132% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,610 |
| Loan loss allowance to noncurrent loans | 105.8882% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 2,722 |
| Noncurrent loans to loans | 0.8910% | 2,314 |
| Net loans and leases to total assets | 69.9526% | 2,476 |
| Net loans and leases to deposits | 81.4115% | 2,736 |
| Net loans and leases to core deposits | 89.0276% | 2,586 |
| Total domestic deposits to total assets | 85.9248% | 2,618 |
| Equity capital to assets | 10.6518% | 2,977 |
| Core capital (leverage) ratio | 11.9261% | 1,647 |
| Tier 1 risk-based capital ratio | 17.6192% | 1,971 |
| Total risk-based capital ratio | 18.8169% | 1,947 |
| Memoranda: | ||
| Average total assets | $917,880,400 | 783 |
| Average earning assets | $849,641,600 | 771 |
| Average equity | $104,804,600 | 756 |
| Average total loans | $651,735,400 | 763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,165 |
| Cost of funding earning assets | 0.6726% | 936 |
| Net interest margin | 3.0525% | 4,894 |
| Noninterest income to average assets | 0.5262% | 3,068 |
| Noninterest expense to average assets | 2.9127% | 2,607 |
| Loan and lease loss provision to assets | 0.0881% | 2,468 |
| Net operating income to assets | 0.3101% | 5,263 |
| Return on assets (ROA) | 0.5110% | 4,758 |
| Pretax return on assets | 0.5857% | 4,912 |
| Return on Equity (ROE) | 4.3971% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.3971% | 3,209 |
| Net charge-offs to loans | 0.0275% | 3,119 |
| Credit loss provision to net charge-offs | 451.1278% | 772 |
| Earnings coverage of net charge-offs (x) | 22.6765% | 1,746 |
| Efficiency ratio | 86.7997% | 753 |
| Assets per employee ($millions) | 5.2707% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 4,728 |
| Loan loss allowance to noncurrent loans | 101.4262% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,925 |
| Noncurrent loans to loans | 0.9224% | 2,401 |
| Net loans and leases to total assets | 69.0305% | 2,635 |
| Net loans and leases to deposits | 79.9832% | 2,963 |
| Net loans and leases to core deposits | 87.3614% | 2,816 |
| Total domestic deposits to total assets | 86.3063% | 2,214 |
| Equity capital to assets | 11.3726% | 2,629 |
| Core capital (leverage) ratio | 11.9067% | 1,738 |
| Tier 1 risk-based capital ratio | 18.1418% | 1,877 |
| Total risk-based capital ratio | 19.3681% | 1,851 |
| Memoranda: | ||
| Average total assets | $907,817,750 | 793 |
| Average earning assets | $841,473,750 | 780 |
| Average equity | $105,491,250 | 756 |
| Average total loans | $645,513,750 | 769 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,160 |
| Cost of funding earning assets | 0.6641% | 968 |
| Net interest margin | 3.0749% | 4,903 |
| Noninterest income to average assets | 0.5133% | 3,103 |
| Noninterest expense to average assets | 2.7020% | 3,394 |
| Loan and lease loss provision to assets | 0.1003% | 2,163 |
| Net operating income to assets | 0.4467% | 4,882 |
| Return on assets (ROA) | 0.4498% | 4,960 |
| Pretax return on assets | 0.5683% | 4,977 |
| Return on Equity (ROE) | 3.8424% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.8424% | 3,445 |
| Net charge-offs to loans | 0.0137% | 3,263 |
| Credit loss provision to net charge-offs | 1,022.7273% | 365 |
| Earnings coverage of net charge-offs (x) | 67.7955% | 802 |
| Efficiency ratio | 80.2594% | 1,468 |
| Assets per employee ($millions) | 5.3047% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,813 |
| Loan loss allowance to noncurrent loans | 98.9058% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 2,955 |
| Noncurrent loans to loans | 0.9479% | 2,386 |
| Net loans and leases to total assets | 69.3280% | 2,577 |
| Net loans and leases to deposits | 80.9022% | 2,826 |
| Net loans and leases to core deposits | 88.4950% | 2,679 |
| Total domestic deposits to total assets | 85.6936% | 2,559 |
| Equity capital to assets | 11.5673% | 2,477 |
| Core capital (leverage) ratio | 12.1541% | 1,539 |
| Tier 1 risk-based capital ratio | 18.2875% | 1,854 |
| Total risk-based capital ratio | 19.6344% | 1,792 |
| Memoranda: | ||
| Average total assets | $897,693,330 | 805 |
| Average earning assets | $832,996,330 | 792 |
| Average equity | $105,089,330 | 759 |
| Average total loans | $642,767,000 | 772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,050 |
| Cost of funding earning assets | 0.6703% | 949 |
| Net interest margin | 3.1032% | 4,852 |
| Noninterest income to average assets | 0.4339% | 3,588 |
| Noninterest expense to average assets | 2.7416% | 3,267 |
| Loan and lease loss provision to assets | 0.1356% | 1,549 |
| Net operating income to assets | 0.3572% | 5,117 |
| Return on assets (ROA) | 0.3968% | 5,079 |
| Pretax return on assets | 0.4863% | 5,119 |
| Return on Equity (ROE) | 3.3688% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.3688% | 3,816 |
| Net charge-offs to loans | 0.0218% | 2,494 |
| Credit loss provision to net charge-offs | 857.1429% | 415 |
| Earnings coverage of net charge-offs (x) | 36.2571% | 1,072 |
| Efficiency ratio | 82.6994% | 1,291 |
| Assets per employee ($millions) | 5.1921% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,960 |
| Loan loss allowance to noncurrent loans | 100.3212% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 3,009 |
| Noncurrent loans to loans | 0.9244% | 2,535 |
| Net loans and leases to total assets | 70.5759% | 2,257 |
| Net loans and leases to deposits | 82.5399% | 2,480 |
| Net loans and leases to core deposits | 93.3970% | 2,059 |
| Total domestic deposits to total assets | 85.5052% | 2,914 |
| Equity capital to assets | 11.6914% | 2,252 |
| Core capital (leverage) ratio | 12.2819% | 1,440 |
| Tier 1 risk-based capital ratio | 18.5255% | 1,849 |
| Total risk-based capital ratio | 19.8684% | 1,777 |
| Memoranda: | ||
| Average total assets | $885,033,000 | 823 |
| Average earning assets | $821,728,000 | 812 |
| Average equity | $104,250,000 | 769 |
| Average total loans | $641,169,000 | 773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,951 |
| Cost of funding earning assets | 0.6952% | 841 |
| Net interest margin | 3.1346% | 4,823 |
| Noninterest income to average assets | 0.4982% | 3,340 |
| Noninterest expense to average assets | 2.6935% | 3,599 |
| Loan and lease loss provision to assets | 0.1300% | 1,839 |
| Net operating income to assets | 0.4719% | 4,805 |
| Return on assets (ROA) | 0.4968% | 4,799 |
| Pretax return on assets | 0.6093% | 4,808 |
| Return on Equity (ROE) | 4.0655% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.0655% | 3,114 |
| Net charge-offs to loans | 0.0198% | 3,872 |
| Credit loss provision to net charge-offs | 887.0968% | 382 |
| Earnings coverage of net charge-offs (x) | 48.3629% | 1,028 |
| Efficiency ratio | 79.1626% | 1,796 |
| Assets per employee ($millions) | 5.0984% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 5,147 |
| Loan loss allowance to noncurrent loans | 131.7453% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 3,537 |
| Noncurrent loans to loans | 0.6698% | 3,187 |
| Net loans and leases to total assets | 73.0414% | 1,884 |
| Net loans and leases to deposits | 85.6123% | 2,175 |
| Net loans and leases to core deposits | 95.7639% | 1,872 |
| Total domestic deposits to total assets | 85.3165% | 2,941 |
| Equity capital to assets | 11.8697% | 2,054 |
| Core capital (leverage) ratio | 12.4810% | 1,358 |
| Tier 1 risk-based capital ratio | 18.3997% | 1,856 |
| Total risk-based capital ratio | 19.6999% | 1,788 |
| Memoranda: | ||
| Average total assets | $845,852,400 | 819 |
| Average earning assets | $783,710,800 | 805 |
| Average equity | $103,358,400 | 748 |
| Average total loans | $626,381,000 | 746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,980 |
| Cost of funding earning assets | 0.7023% | 829 |
| Net interest margin | 3.1324% | 4,872 |
| Noninterest income to average assets | 0.4967% | 3,390 |
| Noninterest expense to average assets | 2.7266% | 3,474 |
| Loan and lease loss provision to assets | 0.1271% | 1,778 |
| Net operating income to assets | 0.4511% | 4,966 |
| Return on assets (ROA) | 0.4920% | 4,909 |
| Pretax return on assets | 0.5938% | 4,987 |
| Return on Equity (ROE) | 3.9963% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.9963% | 3,623 |
| Net charge-offs to loans | 0.0251% | 3,437 |
| Credit loss provision to net charge-offs | 683.7607% | 496 |
| Earnings coverage of net charge-offs (x) | 36.1358% | 1,330 |
| Efficiency ratio | 80.2365% | 1,629 |
| Assets per employee ($millions) | 5.1540% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,343 |
| Loan loss allowance to noncurrent loans | 151.1316% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 3,963 |
| Noncurrent loans to loans | 0.5668% | 3,635 |
| Net loans and leases to total assets | 73.1727% | 1,873 |
| Net loans and leases to deposits | 85.9757% | 2,142 |
| Net loans and leases to core deposits | 96.2786% | 1,855 |
| Total domestic deposits to total assets | 85.1086% | 2,964 |
| Equity capital to assets | 12.0015% | 2,109 |
| Core capital (leverage) ratio | 12.5557% | 1,380 |
| Tier 1 risk-based capital ratio | 18.6331% | 1,867 |
| Total risk-based capital ratio | 19.8938% | 1,829 |
| Memoranda: | ||
| Average total assets | $839,357,250 | 831 |
| Average earning assets | $777,477,250 | 823 |
| Average equity | $103,327,000 | 751 |
| Average total loans | $622,359,250 | 757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,965 |
| Cost of funding earning assets | 0.7113% | 799 |
| Net interest margin | 3.1157% | 4,930 |
| Noninterest income to average assets | 0.4830% | 3,481 |
| Noninterest expense to average assets | 2.6395% | 3,777 |
| Loan and lease loss provision to assets | 0.1439% | 1,501 |
| Net operating income to assets | 0.4684% | 4,900 |
| Return on assets (ROA) | 0.4657% | 5,010 |
| Pretax return on assets | 0.5818% | 5,018 |
| Return on Equity (ROE) | 3.7511% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.7511% | 3,619 |
| Net charge-offs to loans | 0.0507% | 2,699 |
| Credit loss provision to net charge-offs | 382.1656% | 770 |
| Earnings coverage of net charge-offs (x) | 19.3631% | 1,753 |
| Efficiency ratio | 78.3568% | 2,010 |
| Assets per employee ($millions) | 5.1660% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,427 |
| Loan loss allowance to noncurrent loans | 115.3364% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 3,715 |
| Noncurrent loans to loans | 0.7477% | 3,242 |
| Net loans and leases to total assets | 72.3449% | 1,926 |
| Net loans and leases to deposits | 85.5489% | 2,099 |
| Net loans and leases to core deposits | 95.6452% | 1,834 |
| Total domestic deposits to total assets | 84.5656% | 3,311 |
| Equity capital to assets | 12.3028% | 1,794 |
| Core capital (leverage) ratio | 12.5745% | 1,342 |
| Tier 1 risk-based capital ratio | 18.4841% | 1,926 |
| Total risk-based capital ratio | 19.7631% | 1,883 |
| Memoranda: | ||
| Average total assets | $833,956,000 | 844 |
| Average earning assets | $772,357,670 | 830 |
| Average equity | $103,542,670 | 754 |
| Average total loans | $619,330,330 | 763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 3,848 |
| Cost of funding earning assets | 0.7188% | 777 |
| Net interest margin | 3.1248% | 4,867 |
| Noninterest income to average assets | 0.4622% | 3,560 |
| Noninterest expense to average assets | 2.6336% | 3,812 |
| Loan and lease loss provision to assets | 0.1450% | 1,403 |
| Net operating income to assets | 0.4607% | 4,827 |
| Return on assets (ROA) | 0.4467% | 5,004 |
| Pretax return on assets | 0.5604% | 5,023 |
| Return on Equity (ROE) | 3.5815% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.5815% | 3,850 |
| Net charge-offs to loans | 0.0045% | 3,166 |
| Credit loss provision to net charge-offs | 4,285.7143% | 94 |
| Earnings coverage of net charge-offs (x) | 213.5714% | 269 |
| Efficiency ratio | 78.4644% | 2,120 |
| Assets per employee ($millions) | 5.3347% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 5,624 |
| Loan loss allowance to noncurrent loans | 100.9153% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 3,535 |
| Noncurrent loans to loans | 0.8199% | 3,194 |
| Net loans and leases to total assets | 74.1558% | 1,478 |
| Net loans and leases to deposits | 87.7714% | 1,637 |
| Net loans and leases to core deposits | 98.0548% | 1,467 |
| Total domestic deposits to total assets | 84.4875% | 3,619 |
| Equity capital to assets | 12.3904% | 1,761 |
| Core capital (leverage) ratio | 12.6430% | 1,296 |
| Tier 1 risk-based capital ratio | 18.5146% | 2,002 |
| Total risk-based capital ratio | 19.7773% | 1,949 |
| Memoranda: | ||
| Average total assets | $827,319,000 | 852 |
| Average earning assets | $766,265,000 | 843 |
| Average equity | $103,197,500 | 748 |
| Average total loans | $619,865,500 | 753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 4,038 |
| Cost of funding earning assets | 0.7547% | 828 |
| Net interest margin | 3.1702% | 5,016 |
| Noninterest income to average assets | 0.5007% | 3,500 |
| Noninterest expense to average assets | 2.6109% | 4,174 |
| Loan and lease loss provision to assets | 0.2040% | 1,235 |
| Net operating income to assets | 0.5084% | 4,779 |
| Return on assets (ROA) | 0.5639% | 4,629 |
| Pretax return on assets | 0.6866% | 4,671 |
| Return on Equity (ROE) | 4.4418% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.4418% | 3,021 |
| Net charge-offs to loans | 0.2460% | 1,742 |
| Credit loss provision to net charge-offs | 112.1463% | 2,119 |
| Earnings coverage of net charge-offs (x) | 4.5231% | 3,630 |
| Efficiency ratio | 76.0348% | 2,503 |
| Assets per employee ($millions) | 5.3756% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 5,780 |
| Loan loss allowance to noncurrent loans | 96.6015% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 3,573 |
| Noncurrent loans to loans | 0.8250% | 3,251 |
| Net loans and leases to total assets | 74.4801% | 1,499 |
| Net loans and leases to deposits | 89.0198% | 1,616 |
| Net loans and leases to core deposits | 99.3989% | 1,431 |
| Total domestic deposits to total assets | 83.6669% | 3,858 |
| Equity capital to assets | 12.5591% | 1,613 |
| Core capital (leverage) ratio | 12.7384% | 1,232 |
| Tier 1 risk-based capital ratio | 19.4377% | 1,737 |
| Total risk-based capital ratio | 20.7347% | 1,695 |
| Memoranda: | ||
| Average total assets | $796,421,000 | 849 |
| Average earning assets | $736,868,400 | 831 |
| Average equity | $101,106,600 | 726 |
| Average total loans | $589,008,400 | 747 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 4,043 |
| Cost of funding earning assets | 0.7519% | 882 |
| Net interest margin | 3.1802% | 5,028 |
| Noninterest income to average assets | 0.4669% | 3,754 |
| Noninterest expense to average assets | 2.6393% | 4,057 |
| Loan and lease loss provision to assets | 0.2233% | 1,021 |
| Net operating income to assets | 0.4522% | 5,068 |
| Return on assets (ROA) | 0.5252% | 4,849 |
| Pretax return on assets | 0.6351% | 4,920 |
| Return on Equity (ROE) | 4.1259% | 5,122 |
| Retained earnings to average equity (ytd only) | 4.1259% | 3,720 |
| Net charge-offs to loans | 0.2866% | 1,374 |
| Credit loss provision to net charge-offs | 105.7462% | 2,103 |
| Earnings coverage of net charge-offs (x) | 3.6489% | 3,619 |
| Efficiency ratio | 77.4055% | 2,283 |
| Assets per employee ($millions) | 5.2097% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 5,876 |
| Loan loss allowance to noncurrent loans | 153.0710% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 4,676 |
| Noncurrent loans to loans | 0.5218% | 4,372 |
| Net loans and leases to total assets | 73.6003% | 1,584 |
| Net loans and leases to deposits | 88.1580% | 1,646 |
| Net loans and leases to core deposits | 93.8580% | 1,884 |
| Total domestic deposits to total assets | 83.4868% | 3,953 |
| Equity capital to assets | 12.5831% | 1,647 |
| Core capital (leverage) ratio | 12.6737% | 1,318 |
| Tier 1 risk-based capital ratio | 19.9887% | 1,679 |
| Total risk-based capital ratio | 21.2974% | 1,630 |
| Memoranda: | ||
| Average total assets | $791,252,250 | 858 |
| Average earning assets | $732,181,500 | 843 |
| Average equity | $100,728,250 | 727 |
| Average total loans | $582,894,750 | 754 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,958 |
| Cost of funding earning assets | 0.7456% | 942 |
| Net interest margin | 3.1979% | 4,954 |
| Noninterest income to average assets | 0.4573% | 3,812 |
| Noninterest expense to average assets | 2.5066% | 4,556 |
| Loan and lease loss provision to assets | 0.2418% | 925 |
| Net operating income to assets | 0.5146% | 4,747 |
| Return on assets (ROA) | 0.5520% | 4,693 |
| Pretax return on assets | 0.7159% | 4,588 |
| Return on Equity (ROE) | 4.3192% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,421 |
| Net charge-offs to loans | 0.3557% | 1,151 |
| Credit loss provision to net charge-offs | 92.5024% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.4781% | 3,296 |
| Efficiency ratio | 73.3850% | 3,090 |
| Assets per employee ($millions) | 5.2225% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 5,999 |
| Loan loss allowance to noncurrent loans | 150.7642% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,852 |
| Noncurrent loans to loans | 0.5247% | 4,437 |
| Net loans and leases to total assets | 72.7634% | 1,612 |
| Net loans and leases to deposits | 87.0048% | 1,706 |
| Net loans and leases to core deposits | 92.4031% | 1,911 |
| Total domestic deposits to total assets | 83.6315% | 4,062 |
| Equity capital to assets | 12.8137% | 1,481 |
| Core capital (leverage) ratio | 12.7308% | 1,275 |
| Tier 1 risk-based capital ratio | 20.3620% | 1,600 |
| Total risk-based capital ratio | 21.7104% | 1,545 |
| Memoranda: | ||
| Average total assets | $785,836,000 | 862 |
| Average earning assets | $726,966,670 | 847 |
| Average equity | $100,434,670 | 724 |
| Average total loans | $577,490,330 | 759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,955 |
| Cost of funding earning assets | 0.7366% | 1,036 |
| Net interest margin | 3.1964% | 4,931 |
| Noninterest income to average assets | 0.4338% | 3,917 |
| Noninterest expense to average assets | 2.4891% | 4,659 |
| Loan and lease loss provision to assets | 0.2952% | 660 |
| Net operating income to assets | 0.4652% | 4,874 |
| Return on assets (ROA) | 0.5482% | 4,536 |
| Pretax return on assets | 0.7130% | 4,448 |
| Return on Equity (ROE) | 4.2953% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.2953% | 3,553 |
| Net charge-offs to loans | 0.7041% | 509 |
| Credit loss provision to net charge-offs | 56.9871% | 2,135 |
| Earnings coverage of net charge-offs (x) | 1.7384% | 3,026 |
| Efficiency ratio | 73.4363% | 3,240 |
| Assets per employee ($millions) | 5.0732% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 6,202 |
| Loan loss allowance to noncurrent loans | 96.6787% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 4,250 |
| Noncurrent loans to loans | 0.7708% | 3,932 |
| Net loans and leases to total assets | 72.9443% | 1,435 |
| Net loans and leases to deposits | 87.2815% | 1,439 |
| Net loans and leases to core deposits | 91.2454% | 1,799 |
| Total domestic deposits to total assets | 83.5737% | 4,430 |
| Equity capital to assets | 12.8588% | 1,380 |
| Core capital (leverage) ratio | 12.7691% | 1,260 |
| Tier 1 risk-based capital ratio | 20.3892% | 1,621 |
| Total risk-based capital ratio | 21.6734% | 1,577 |
| Memoranda: | ||
| Average total assets | $779,231,000 | 872 |
| Average earning assets | $720,565,000 | 859 |
| Average equity | $99,458,500 | 732 |
| Average total loans | $573,211,000 | 768 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,327 |
| Cost of funding earning assets | 0.8271% | 1,052 |
| Net interest margin | 3.1110% | 5,279 |
| Noninterest income to average assets | 0.3957% | 4,480 |
| Noninterest expense to average assets | 2.9610% | 3,159 |
| Loan and lease loss provision to assets | 0.1257% | 2,741 |
| Net operating income to assets | 0.1537% | 5,935 |
| Return on assets (ROA) | 0.4234% | 5,173 |
| Pretax return on assets | 0.4740% | 5,284 |
| Return on Equity (ROE) | 3.3631% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.3631% | 3,835 |
| Net charge-offs to loans | 0.0717% | 4,203 |
| Credit loss provision to net charge-offs | 249.3473% | 911 |
| Earnings coverage of net charge-offs (x) | 5.8851% | 3,182 |
| Efficiency ratio | 90.8951% | 961 |
| Assets per employee ($millions) | 5.2870% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 6,118 |
| Loan loss allowance to noncurrent loans | 65.9345% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 3,416 |
| Noncurrent loans to loans | 1.2491% | 3,043 |
| Net loans and leases to total assets | 73.0241% | 1,515 |
| Net loans and leases to deposits | 89.3744% | 1,300 |
| Net loans and leases to core deposits | 92.6360% | 1,710 |
| Total domestic deposits to total assets | 81.7059% | 4,971 |
| Equity capital to assets | 12.6681% | 1,439 |
| Core capital (leverage) ratio | 12.9036% | 1,174 |
| Tier 1 risk-based capital ratio | 20.4392% | 1,550 |
| Total risk-based capital ratio | 21.8117% | 1,500 |
| Memoranda: | ||
| Average total assets | $759,949,000 | 880 |
| Average earning assets | $699,093,400 | 863 |
| Average equity | $95,685,000 | 740 |
| Average total loans | $533,989,400 | 790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 4,347 |
| Cost of funding earning assets | 0.8536% | 1,028 |
| Net interest margin | 3.0865% | 5,357 |
| Noninterest income to average assets | 0.3963% | 4,559 |
| Noninterest expense to average assets | 3.0834% | 2,716 |
| Loan and lease loss provision to assets | 0.1191% | 2,811 |
| Net operating income to assets | 0.0307% | 6,257 |
| Return on assets (ROA) | 0.3684% | 5,510 |
| Pretax return on assets | 0.3785% | 5,686 |
| Return on Equity (ROE) | 2.9307% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.9307% | 4,571 |
| Net charge-offs to loans | 0.0857% | 3,725 |
| Credit loss provision to net charge-offs | 200.2967% | 1,203 |
| Earnings coverage of net charge-offs (x) | 2.5134% | 3,994 |
| Efficiency ratio | 95.3771% | 658 |
| Assets per employee ($millions) | 5.2477% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 6,254 |
| Loan loss allowance to noncurrent loans | 80.2401% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 4,173 |
| Noncurrent loans to loans | 1.0146% | 3,778 |
| Net loans and leases to total assets | 71.2208% | 1,742 |
| Net loans and leases to deposits | 86.2589% | 1,585 |
| Net loans and leases to core deposits | 89.5362% | 2,019 |
| Total domestic deposits to total assets | 82.5663% | 4,729 |
| Equity capital to assets | 12.7396% | 1,456 |
| Core capital (leverage) ratio | 12.7972% | 1,287 |
| Tier 1 risk-based capital ratio | 20.9996% | 1,493 |
| Total risk-based capital ratio | 22.3455% | 1,453 |
| Memoranda: | ||
| Average total assets | $755,638,500 | 891 |
| Average earning assets | $694,438,500 | 875 |
| Average equity | $94,992,500 | 747 |
| Average total loans | $524,424,250 | 815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 4,334 |
| Cost of funding earning assets | 0.8790% | 990 |
| Net interest margin | 3.0578% | 5,401 |
| Noninterest income to average assets | 0.3696% | 4,754 |
| Noninterest expense to average assets | 2.6841% | 4,089 |
| Loan and lease loss provision to assets | 0.1197% | 2,825 |
| Net operating income to assets | 0.3400% | 5,446 |
| Return on assets (ROA) | 0.3600% | 5,542 |
| Pretax return on assets | 0.3946% | 5,650 |
| Return on Equity (ROE) | 2.8771% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.8771% | 4,481 |
| Net charge-offs to loans | 0.0678% | 3,739 |
| Credit loss provision to net charge-offs | 257.1429% | 973 |
| Earnings coverage of net charge-offs (x) | 10.5771% | 2,144 |
| Efficiency ratio | 84.5040% | 1,577 |
| Assets per employee ($millions) | 5.2034% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 6,297 |
| Loan loss allowance to noncurrent loans | 101.0758% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,637 |
| Noncurrent loans to loans | 0.8224% | 4,270 |
| Net loans and leases to total assets | 69.3502% | 2,006 |
| Net loans and leases to deposits | 84.3213% | 1,759 |
| Net loans and leases to core deposits | 87.6097% | 2,154 |
| Total domestic deposits to total assets | 82.2452% | 4,962 |
| Equity capital to assets | 12.3568% | 1,669 |
| Core capital (leverage) ratio | 12.9175% | 1,196 |
| Tier 1 risk-based capital ratio | 21.2938% | 1,422 |
| Total risk-based capital ratio | 22.8477% | 1,337 |
| Memoranda: | ||
| Average total assets | $752,127,670 | 893 |
| Average earning assets | $690,358,000 | 879 |
| Average equity | $94,121,000 | 749 |
| Average total loans | $515,848,330 | 821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 4,308 |
| Cost of funding earning assets | 0.8948% | 1,008 |
| Net interest margin | 3.0506% | 5,431 |
| Noninterest income to average assets | 0.3218% | 5,127 |
| Noninterest expense to average assets | 2.7025% | 4,047 |
| Loan and lease loss provision to assets | 0.1203% | 2,716 |
| Net operating income to assets | 0.2797% | 5,633 |
| Return on assets (ROA) | 0.3244% | 5,600 |
| Pretax return on assets | 0.3437% | 5,737 |
| Return on Equity (ROE) | 2.5763% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.5763% | 4,733 |
| Net charge-offs to loans | 0.0842% | 3,000 |
| Credit loss provision to net charge-offs | 210.2804% | 1,047 |
| Earnings coverage of net charge-offs (x) | 7.2804% | 2,091 |
| Efficiency ratio | 86.6495% | 1,446 |
| Assets per employee ($millions) | 5.2484% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 6,407 |
| Loan loss allowance to noncurrent loans | 90.1948% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 4,530 |
| Noncurrent loans to loans | 0.9202% | 4,294 |
| Net loans and leases to total assets | 67.8061% | 2,050 |
| Net loans and leases to deposits | 82.7337% | 1,741 |
| Net loans and leases to core deposits | 85.8818% | 2,116 |
| Total domestic deposits to total assets | 81.9572% | 5,207 |
| Equity capital to assets | 12.6154% | 1,637 |
| Core capital (leverage) ratio | 12.9557% | 1,133 |
| Tier 1 risk-based capital ratio | 21.6157% | 1,400 |
| Total risk-based capital ratio | 23.1413% | 1,323 |
| Memoranda: | ||
| Average total assets | $748,345,500 | 902 |
| Average earning assets | $686,153,000 | 896 |
| Average equity | $94,244,500 | 760 |
| Average total loans | $508,140,500 | 835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 4,758 |
| Cost of funding earning assets | 0.9978% | 1,375 |
| Net interest margin | 3.1547% | 5,678 |
| Noninterest income to average assets | 0.4447% | 4,291 |
| Noninterest expense to average assets | 2.7264% | 4,298 |
| Loan and lease loss provision to assets | 0.1499% | 3,730 |
| Net operating income to assets | 0.3965% | 5,114 |
| Return on assets (ROA) | 0.4165% | 5,285 |
| Pretax return on assets | 0.4736% | 5,358 |
| Return on Equity (ROE) | 3.2990% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.2990% | 3,906 |
| Net charge-offs to loans | 0.2499% | 3,439 |
| Credit loss provision to net charge-offs | 92.3404% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.7004% | 3,629 |
| Efficiency ratio | 81.9420% | 1,870 |
| Assets per employee ($millions) | 5.1460% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,440 |
| Loan loss allowance to noncurrent loans | 73.9596% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 4,395 |
| Noncurrent loans to loans | 1.1128% | 3,984 |
| Net loans and leases to total assets | 66.8724% | 2,386 |
| Net loans and leases to deposits | 82.2002% | 1,973 |
| Net loans and leases to core deposits | 85.5473% | 2,368 |
| Total domestic deposits to total assets | 81.3531% | 5,290 |
| Equity capital to assets | 12.5719% | 1,652 |
| Core capital (leverage) ratio | 13.0503% | 1,102 |
| Tier 1 risk-based capital ratio | 21.5219% | 1,355 |
| Total risk-based capital ratio | 22.9565% | 1,296 |
| Memoranda: | ||
| Average total assets | $723,676,200 | 915 |
| Average earning assets | $661,225,400 | 910 |
| Average equity | $91,362,200 | 765 |
| Average total loans | $470,157,800 | 872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 4,856 |
| Cost of funding earning assets | 1.0186% | 1,458 |
| Net interest margin | 3.1701% | 5,772 |
| Noninterest income to average assets | 0.4559% | 4,242 |
| Noninterest expense to average assets | 2.7466% | 4,190 |
| Loan and lease loss provision to assets | 0.1393% | 3,796 |
| Net operating income to assets | 0.3981% | 5,255 |
| Return on assets (ROA) | 0.4315% | 5,350 |
| Pretax return on assets | 0.5067% | 5,449 |
| Return on Equity (ROE) | 3.4144% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.4144% | 4,462 |
| Net charge-offs to loans | 0.2150% | 3,438 |
| Credit loss provision to net charge-offs | 100.6711% | 2,938 |
| Earnings coverage of net charge-offs (x) | 4.3852% | 3,314 |
| Efficiency ratio | 81.9093% | 1,821 |
| Assets per employee ($millions) | 5.1726% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,441 |
| Loan loss allowance to noncurrent loans | 68.3667% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 4,558 |
| Noncurrent loans to loans | 1.2819% | 3,900 |
| Net loans and leases to total assets | 64.7708% | 2,882 |
| Net loans and leases to deposits | 79.7574% | 2,427 |
| Net loans and leases to core deposits | 82.8065% | 2,860 |
| Total domestic deposits to total assets | 81.2097% | 5,291 |
| Equity capital to assets | 12.4867% | 1,899 |
| Core capital (leverage) ratio | 12.8989% | 1,228 |
| Tier 1 risk-based capital ratio | 22.1061% | 1,314 |
| Total risk-based capital ratio | 23.6205% | 1,246 |
| Memoranda: | ||
| Average total assets | $718,052,250 | 928 |
| Average earning assets | $656,282,500 | 924 |
| Average equity | $90,750,750 | 774 |
| Average total loans | $461,916,250 | 893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 4,765 |
| Cost of funding earning assets | 1.0382% | 1,540 |
| Net interest margin | 3.2114% | 5,702 |
| Noninterest income to average assets | 0.4302% | 4,430 |
| Noninterest expense to average assets | 2.6000% | 4,781 |
| Loan and lease loss provision to assets | 0.1688% | 3,416 |
| Net operating income to assets | 0.4921% | 4,853 |
| Return on assets (ROA) | 0.4921% | 5,106 |
| Pretax return on assets | 0.5959% | 5,151 |
| Return on Equity (ROE) | 3.8775% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.8775% | 4,038 |
| Net charge-offs to loans | 0.0629% | 4,546 |
| Credit loss provision to net charge-offs | 419.5804% | 708 |
| Earnings coverage of net charge-offs (x) | 19.0070% | 1,456 |
| Efficiency ratio | 77.2723% | 2,554 |
| Assets per employee ($millions) | 5.0797% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,136 |
| Loan loss allowance to noncurrent loans | 74.3065% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,552 |
| Noncurrent loans to loans | 1.3533% | 3,896 |
| Net loans and leases to total assets | 63.5360% | 3,137 |
| Net loans and leases to deposits | 78.1412% | 2,646 |
| Net loans and leases to core deposits | 81.0348% | 3,083 |
| Total domestic deposits to total assets | 81.3092% | 5,362 |
| Equity capital to assets | 12.6114% | 1,747 |
| Core capital (leverage) ratio | 13.2346% | 1,080 |
| Tier 1 risk-based capital ratio | 22.5018% | 1,197 |
| Total risk-based capital ratio | 24.1570% | 1,125 |
| Memoranda: | ||
| Average total assets | $710,842,670 | 936 |
| Average earning assets | $649,567,670 | 932 |
| Average equity | $90,213,670 | 773 |
| Average total loans | $454,777,330 | 909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 4,457 |
| Cost of funding earning assets | 1.0619% | 1,608 |
| Net interest margin | 3.3035% | 5,462 |
| Noninterest income to average assets | 0.4278% | 4,471 |
| Noninterest expense to average assets | 2.6666% | 4,558 |
| Loan and lease loss provision to assets | 0.1707% | 3,264 |
| Net operating income to assets | 0.5064% | 4,802 |
| Return on assets (ROA) | 0.5064% | 5,011 |
| Pretax return on assets | 0.6082% | 5,089 |
| Return on Equity (ROE) | 3.9769% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.9769% | 4,199 |
| Net charge-offs to loans | 0.1105% | 3,468 |
| Credit loss provision to net charge-offs | 241.9355% | 1,176 |
| Earnings coverage of net charge-offs (x) | 11.0403% | 1,704 |
| Efficiency ratio | 77.3943% | 2,586 |
| Assets per employee ($millions) | 5.1362% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,356 |
| Loan loss allowance to noncurrent loans | 61.8440% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,359 |
| Noncurrent loans to loans | 1.5684% | 3,759 |
| Net loans and leases to total assets | 63.0244% | 3,038 |
| Net loans and leases to deposits | 77.6543% | 2,578 |
| Net loans and leases to core deposits | 80.3324% | 3,035 |
| Total domestic deposits to total assets | 81.1602% | 5,556 |
| Equity capital to assets | 12.6653% | 1,614 |
| Core capital (leverage) ratio | 13.3691% | 998 |
| Tier 1 risk-based capital ratio | 22.6431% | 1,187 |
| Total risk-based capital ratio | 24.2777% | 1,116 |
| Memoranda: | ||
| Average total assets | $703,068,500 | 945 |
| Average earning assets | $642,222,500 | 939 |
| Average equity | $89,516,500 | 776 |
| Average total loans | $449,062,000 | 921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 3,959 |
| Cost of funding earning assets | 1.2210% | 1,890 |
| Net interest margin | 3.5440% | 4,966 |
| Noninterest income to average assets | 1.2582% | 819 |
| Noninterest expense to average assets | 2.7872% | 4,394 |
| Loan and lease loss provision to assets | 0.2647% | 3,572 |
| Net operating income to assets | 1.0228% | 2,112 |
| Return on assets (ROA) | 0.9857% | 2,394 |
| Pretax return on assets | 1.3384% | 1,990 |
| Return on Equity (ROE) | 7.7010% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.7010% | 1,191 |
| Net charge-offs to loans | 0.2222% | 4,393 |
| Credit loss provision to net charge-offs | 189.5634% | 1,352 |
| Earnings coverage of net charge-offs (x) | 11.8381% | 1,677 |
| Efficiency ratio | 62.7692% | 5,335 |
| Assets per employee ($millions) | 4.9799% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 6,386 |
| Loan loss allowance to noncurrent loans | 60.1080% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0524% | 4,509 |
| Noncurrent loans to loans | 1.5862% | 3,781 |
| Net loans and leases to total assets | 63.4977% | 3,291 |
| Net loans and leases to deposits | 78.4996% | 2,758 |
| Net loans and leases to core deposits | 81.0224% | 3,315 |
| Total domestic deposits to total assets | 80.8892% | 5,485 |
| Equity capital to assets | 12.8013% | 1,599 |
| Core capital (leverage) ratio | 13.5899% | 930 |
| Tier 1 risk-based capital ratio | 23.0236% | 1,097 |
| Total risk-based capital ratio | 24.6024% | 1,035 |
| Memoranda: | ||
| Average total assets | $672,386,200 | 965 |
| Average earning assets | $603,750,400 | 970 |
| Average equity | $86,066,400 | 780 |
| Average total loans | $422,686,000 | 995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 4,057 |
| Cost of funding earning assets | 1.2546% | 1,969 |
| Net interest margin | 3.5360% | 5,038 |
| Noninterest income to average assets | 1.4952% | 589 |
| Noninterest expense to average assets | 2.8774% | 4,025 |
| Loan and lease loss provision to assets | 0.2957% | 3,162 |
| Net operating income to assets | 1.1019% | 1,963 |
| Return on assets (ROA) | 0.9852% | 2,533 |
| Pretax return on assets | 1.3260% | 2,197 |
| Return on Equity (ROE) | 7.6973% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,628 |
| Net charge-offs to loans | 0.3102% | 3,545 |
| Credit loss provision to net charge-offs | 152.4202% | 2,042 |
| Earnings coverage of net charge-offs (x) | 9.1730% | 2,088 |
| Efficiency ratio | 61.7906% | 5,443 |
| Assets per employee ($millions) | 5.1248% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,590 |
| Loan loss allowance to noncurrent loans | 44.9556% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4485% | 3,948 |
| Noncurrent loans to loans | 2.0041% | 3,361 |
| Net loans and leases to total assets | 62.9212% | 3,526 |
| Net loans and leases to deposits | 77.9428% | 3,010 |
| Net loans and leases to core deposits | 80.1927% | 3,605 |
| Total domestic deposits to total assets | 80.7274% | 5,522 |
| Equity capital to assets | 13.0501% | 1,596 |
| Core capital (leverage) ratio | 13.4362% | 1,068 |
| Tier 1 risk-based capital ratio | 23.0001% | 1,148 |
| Total risk-based capital ratio | 24.4721% | 1,100 |
| Memoranda: | ||
| Average total assets | $667,432,500 | 976 |
| Average earning assets | $596,740,250 | 991 |
| Average equity | $85,430,250 | 792 |
| Average total loans | $417,416,750 | 1,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 3,956 |
| Cost of funding earning assets | 1.2884% | 2,014 |
| Net interest margin | 3.5411% | 4,965 |
| Noninterest income to average assets | 0.7647% | 2,181 |
| Noninterest expense to average assets | 2.8154% | 4,365 |
| Loan and lease loss provision to assets | 0.1811% | 4,107 |
| Net operating income to assets | 0.7279% | 3,396 |
| Return on assets (ROA) | 0.6181% | 4,099 |
| Pretax return on assets | 0.7720% | 4,132 |
| Return on Equity (ROE) | 4.8613% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.8613% | 3,079 |
| Net charge-offs to loans | 0.4477% | 2,784 |
| Credit loss provision to net charge-offs | 65.0054% | 4,202 |
| Earnings coverage of net charge-offs (x) | 3.9144% | 3,019 |
| Efficiency ratio | 72.0831% | 3,714 |
| Assets per employee ($millions) | 5.0462% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 6,971 |
| Loan loss allowance to noncurrent loans | 40.6656% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 4,128 |
| Noncurrent loans to loans | 1.8163% | 3,727 |
| Net loans and leases to total assets | 60.9568% | 4,094 |
| Net loans and leases to deposits | 74.9819% | 3,647 |
| Net loans and leases to core deposits | 77.1627% | 4,167 |
| Total domestic deposits to total assets | 81.2953% | 5,427 |
| Equity capital to assets | 12.6300% | 1,722 |
| Core capital (leverage) ratio | 13.2264% | 1,078 |
| Tier 1 risk-based capital ratio | 22.9424% | 1,126 |
| Total risk-based capital ratio | 24.3272% | 1,090 |
| Memoranda: | ||
| Average total assets | $662,708,330 | 994 |
| Average earning assets | $587,839,670 | 1,018 |
| Average equity | $84,257,000 | 800 |
| Average total loans | $412,298,000 | 1,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 3,771 |
| Cost of funding earning assets | 1.2974% | 2,187 |
| Net interest margin | 3.5629% | 4,758 |
| Noninterest income to average assets | 1.1994% | 888 |
| Noninterest expense to average assets | 2.8209% | 4,372 |
| Loan and lease loss provision to assets | 0.1829% | 3,782 |
| Net operating income to assets | 1.0448% | 2,019 |
| Return on assets (ROA) | 0.8311% | 2,936 |
| Pretax return on assets | 1.0848% | 2,811 |
| Return on Equity (ROE) | 6.5150% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.5150% | 2,367 |
| Net charge-offs to loans | 0.6056% | 1,987 |
| Credit loss provision to net charge-offs | 48.2315% | 3,792 |
| Earnings coverage of net charge-offs (x) | 4.0740% | 2,563 |
| Efficiency ratio | 64.6089% | 5,260 |
| Assets per employee ($millions) | 5.1593% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 7,009 |
| Loan loss allowance to noncurrent loans | 39.0281% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 4,226 |
| Noncurrent loans to loans | 1.9145% | 3,680 |
| Net loans and leases to total assets | 61.7109% | 3,920 |
| Net loans and leases to deposits | 76.1612% | 3,394 |
| Net loans and leases to core deposits | 78.4987% | 3,953 |
| Total domestic deposits to total assets | 81.0267% | 5,646 |
| Equity capital to assets | 12.8117% | 1,468 |
| Core capital (leverage) ratio | 13.4011% | 995 |
| Tier 1 risk-based capital ratio | 22.7544% | 1,117 |
| Total risk-based capital ratio | 24.1552% | 1,080 |
| Memoranda: | ||
| Average total assets | $655,968,000 | 1,013 |
| Average earning assets | $583,005,500 | 1,036 |
| Average equity | $83,684,000 | 793 |
| Average total loans | $410,822,000 | 1,058 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 3,835 |
| Cost of funding earning assets | 1.4976% | 2,655 |
| Net interest margin | 3.6553% | 4,551 |
| Noninterest income to average assets | 0.4573% | 4,461 |
| Noninterest expense to average assets | 2.7289% | 4,857 |
| Loan and lease loss provision to assets | 0.2962% | 4,430 |
| Net operating income to assets | 0.5847% | 3,737 |
| Return on assets (ROA) | 0.5289% | 4,125 |
| Pretax return on assets | 0.6458% | 4,182 |
| Return on Equity (ROE) | 4.1962% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.1962% | 2,905 |
| Net charge-offs to loans | 0.4004% | 4,035 |
| Credit loss provision to net charge-offs | 116.4808% | 3,691 |
| Earnings coverage of net charge-offs (x) | 3.9721% | 3,118 |
| Efficiency ratio | 72.9870% | 3,599 |
| Assets per employee ($millions) | 4.9360% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,921 |
| Loan loss allowance to noncurrent loans | 29.4296% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 3,557 |
| Noncurrent loans to loans | 2.8024% | 2,722 |
| Net loans and leases to total assets | 62.5671% | 4,156 |
| Net loans and leases to deposits | 77.1462% | 3,649 |
| Net loans and leases to core deposits | 79.2544% | 4,311 |
| Total domestic deposits to total assets | 81.1020% | 5,495 |
| Equity capital to assets | 12.7022% | 1,527 |
| Core capital (leverage) ratio | 13.2726% | 1,036 |
| Tier 1 risk-based capital ratio | 22.1394% | 1,153 |
| Total risk-based capital ratio | 23.5802% | 1,110 |
| Memoranda: | ||
| Average total assets | $634,751,800 | 1,055 |
| Average earning assets | $569,854,200 | 1,060 |
| Average equity | $80,000,800 | 826 |
| Average total loans | $403,086,600 | 1,123 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 3,877 |
| Cost of funding earning assets | 1.5379% | 2,732 |
| Net interest margin | 3.6523% | 4,624 |
| Noninterest income to average assets | 0.4517% | 4,547 |
| Noninterest expense to average assets | 2.7357% | 4,741 |
| Loan and lease loss provision to assets | 0.3341% | 3,931 |
| Net operating income to assets | 0.5602% | 4,049 |
| Return on assets (ROA) | 0.4825% | 4,591 |
| Pretax return on assets | 0.5707% | 4,690 |
| Return on Equity (ROE) | 3.8363% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.8363% | 3,758 |
| Net charge-offs to loans | 0.5192% | 3,218 |
| Credit loss provision to net charge-offs | 101.1524% | 4,268 |
| Earnings coverage of net charge-offs (x) | 3.0160% | 3,626 |
| Efficiency ratio | 73.3073% | 3,459 |
| Assets per employee ($millions) | 5.1500% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 7,046 |
| Loan loss allowance to noncurrent loans | 24.6586% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0566% | 3,399 |
| Noncurrent loans to loans | 3.1608% | 2,516 |
| Net loans and leases to total assets | 61.6413% | 4,603 |
| Net loans and leases to deposits | 76.0792% | 4,165 |
| Net loans and leases to core deposits | 78.0692% | 4,792 |
| Total domestic deposits to total assets | 81.0226% | 5,355 |
| Equity capital to assets | 12.5933% | 1,816 |
| Core capital (leverage) ratio | 13.2196% | 1,144 |
| Tier 1 risk-based capital ratio | 22.3247% | 1,159 |
| Total risk-based capital ratio | 23.6776% | 1,115 |
| Memoranda: | ||
| Average total assets | $630,552,250 | 1,069 |
| Average earning assets | $566,315,000 | 1,073 |
| Average equity | $79,310,750 | 829 |
| Average total loans | $401,096,750 | 1,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 3,799 |
| Cost of funding earning assets | 1.5665% | 2,860 |
| Net interest margin | 3.6637% | 4,528 |
| Noninterest income to average assets | 0.4458% | 4,559 |
| Noninterest expense to average assets | 2.6497% | 5,127 |
| Loan and lease loss provision to assets | 0.3299% | 3,761 |
| Net operating income to assets | 0.6349% | 3,707 |
| Return on assets (ROA) | 0.4948% | 4,509 |
| Pretax return on assets | 0.5941% | 4,580 |
| Return on Equity (ROE) | 3.9359% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.9359% | 3,577 |
| Net charge-offs to loans | 0.7028% | 2,463 |
| Credit loss provision to net charge-offs | 73.2054% | 4,885 |
| Earnings coverage of net charge-offs (x) | 2.4250% | 3,783 |
| Efficiency ratio | 70.8002% | 4,020 |
| Assets per employee ($millions) | 5.0527% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 7,280 |
| Loan loss allowance to noncurrent loans | 19.6060% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 3,162 |
| Noncurrent loans to loans | 3.4819% | 2,276 |
| Net loans and leases to total assets | 62.7745% | 4,524 |
| Net loans and leases to deposits | 77.3794% | 4,103 |
| Net loans and leases to core deposits | 79.2696% | 4,776 |
| Total domestic deposits to total assets | 81.1257% | 5,359 |
| Equity capital to assets | 12.6013% | 1,738 |
| Core capital (leverage) ratio | 13.6972% | 1,002 |
| Tier 1 risk-based capital ratio | 22.1076% | 1,185 |
| Total risk-based capital ratio | 23.3336% | 1,165 |
| Memoranda: | ||
| Average total assets | $624,436,670 | 1,080 |
| Average earning assets | $561,898,000 | 1,089 |
| Average equity | $78,508,330 | 831 |
| Average total loans | $400,418,330 | 1,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2945% | 3,578 |
| Cost of funding earning assets | 1.6045% | 2,934 |
| Net interest margin | 3.6900% | 4,297 |
| Noninterest income to average assets | 0.4477% | 4,492 |
| Noninterest expense to average assets | 2.6937% | 4,933 |
| Loan and lease loss provision to assets | 0.3364% | 3,371 |
| Net operating income to assets | 0.6437% | 3,696 |
| Return on assets (ROA) | 0.4114% | 4,935 |
| Pretax return on assets | 0.4684% | 5,063 |
| Return on Equity (ROE) | 3.2762% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.2762% | 4,179 |
| Net charge-offs to loans | 0.7771% | 1,963 |
| Credit loss provision to net charge-offs | 67.0103% | 4,162 |
| Earnings coverage of net charge-offs (x) | 2.1289% | 3,472 |
| Efficiency ratio | 71.5956% | 3,997 |
| Assets per employee ($millions) | 5.0163% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 7,312 |
| Loan loss allowance to noncurrent loans | 19.7793% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 2.3428% | 3,100 |
| Noncurrent loans to loans | 3.6050% | 2,210 |
| Net loans and leases to total assets | 64.2026% | 4,291 |
| Net loans and leases to deposits | 79.2648% | 3,787 |
| Net loans and leases to core deposits | 81.1060% | 4,606 |
| Total domestic deposits to total assets | 80.9975% | 5,464 |
| Equity capital to assets | 12.6318% | 1,691 |
| Core capital (leverage) ratio | 13.8047% | 1,006 |
| Tier 1 risk-based capital ratio | 21.7181% | 1,236 |
| Total risk-based capital ratio | 23.0757% | 1,212 |
| Memoranda: | ||
| Average total assets | $618,334,000 | 1,111 |
| Average earning assets | $555,449,500 | 1,123 |
| Average equity | $77,650,000 | 846 |
| Average total loans | $399,429,500 | 1,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5799% | 3,704 |
| Cost of funding earning assets | 2.0203% | 2,864 |
| Net interest margin | 3.5595% | 4,697 |
| Noninterest income to average assets | 0.4768% | 4,597 |
| Noninterest expense to average assets | 2.8314% | 4,827 |
| Loan and lease loss provision to assets | 0.1801% | 5,900 |
| Net operating income to assets | 0.5259% | 3,626 |
| Return on assets (ROA) | 0.5259% | 3,713 |
| Pretax return on assets | 0.6474% | 3,758 |
| Return on Equity (ROE) | 4.0971% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.0971% | 2,346 |
| Net charge-offs to loans | 0.0423% | 6,685 |
| Credit loss provision to net charge-offs | 653.1250% | 448 |
| Earnings coverage of net charge-offs (x) | 30.0125% | 761 |
| Efficiency ratio | 77.3843% | 3,294 |
| Assets per employee ($millions) | 5.0797% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 7,169 |
| Loan loss allowance to noncurrent loans | 20.7768% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 2,777 |
| Noncurrent loans to loans | 3.7909% | 1,974 |
| Net loans and leases to total assets | 64.0227% | 4,590 |
| Net loans and leases to deposits | 78.9085% | 4,190 |
| Net loans and leases to core deposits | 98.2910% | 4,196 |
| Total domestic deposits to total assets | 81.1354% | 5,303 |
| Equity capital to assets | 12.4832% | 1,760 |
| Core capital (leverage) ratio | 14.0022% | 981 |
| Tier 1 risk-based capital ratio | 21.4625% | 1,220 |
| Total risk-based capital ratio | 22.8095% | 1,182 |
| Memoranda: | ||
| Average total assets | $580,315,400 | 1,192 |
| Average earning assets | $518,773,600 | 1,220 |
| Average equity | $74,491,600 | 868 |
| Average total loans | $378,231,200 | 1,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 3,637 |
| Cost of funding earning assets | 2.1027% | 2,882 |
| Net interest margin | 3.5368% | 4,713 |
| Noninterest income to average assets | 0.4834% | 4,639 |
| Noninterest expense to average assets | 2.9150% | 4,384 |
| Loan and lease loss provision to assets | 0.1714% | 5,650 |
| Net operating income to assets | 0.4494% | 4,197 |
| Return on assets (ROA) | 0.4494% | 4,300 |
| Pretax return on assets | 0.5562% | 4,344 |
| Return on Equity (ROE) | 3.4751% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,351 |
| Net charge-offs to loans | 0.0507% | 6,209 |
| Credit loss provision to net charge-offs | 517.6056% | 759 |
| Earnings coverage of net charge-offs (x) | 21.9717% | 1,183 |
| Efficiency ratio | 80.0256% | 2,838 |
| Assets per employee ($millions) | 5.0235% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 7,304 |
| Loan loss allowance to noncurrent loans | 19.5932% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 2.5038% | 2,769 |
| Noncurrent loans to loans | 3.7308% | 1,996 |
| Net loans and leases to total assets | 64.8796% | 4,679 |
| Net loans and leases to deposits | 80.3655% | 4,325 |
| Net loans and leases to core deposits | 99.6081% | 4,418 |
| Total domestic deposits to total assets | 80.7306% | 5,183 |
| Equity capital to assets | 13.1360% | 1,644 |
| Core capital (leverage) ratio | 14.1078% | 1,065 |
| Tier 1 risk-based capital ratio | 21.7746% | 1,251 |
| Total risk-based capital ratio | 23.0679% | 1,225 |
| Memoranda: | ||
| Average total assets | $571,733,500 | 1,225 |
| Average earning assets | $510,698,000 | 1,248 |
| Average equity | $73,932,750 | 888 |
| Average total loans | $373,630,250 | 1,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6799% | 3,662 |
| Cost of funding earning assets | 2.1635% | 2,969 |
| Net interest margin | 3.5164% | 4,724 |
| Noninterest income to average assets | 0.4919% | 4,514 |
| Noninterest expense to average assets | 2.8662% | 4,655 |
| Loan and lease loss provision to assets | 0.1204% | 5,918 |
| Net operating income to assets | 0.4652% | 4,237 |
| Return on assets (ROA) | 0.4445% | 4,421 |
| Pretax return on assets | 0.6060% | 4,306 |
| Return on Equity (ROE) | 3.4563% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.4563% | 3,393 |
| Net charge-offs to loans | 0.0667% | 5,567 |
| Credit loss provision to net charge-offs | 276.4228% | 1,692 |
| Earnings coverage of net charge-offs (x) | 17.3252% | 1,482 |
| Efficiency ratio | 79.1569% | 3,168 |
| Assets per employee ($millions) | 4.6873% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 7,540 |
| Loan loss allowance to noncurrent loans | 18.1670% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 2.3778% | 2,725 |
| Noncurrent loans to loans | 3.5950% | 1,945 |
| Net loans and leases to total assets | 63.7617% | 5,034 |
| Net loans and leases to deposits | 78.6011% | 4,764 |
| Net loans and leases to core deposits | 96.9628% | 4,795 |
| Total domestic deposits to total assets | 81.1206% | 5,031 |
| Equity capital to assets | 12.5891% | 1,885 |
| Core capital (leverage) ratio | 14.4202% | 1,040 |
| Tier 1 risk-based capital ratio | 21.3936% | 1,336 |
| Total risk-based capital ratio | 22.4075% | 1,339 |
| Memoranda: | ||
| Average total assets | $564,719,670 | 1,260 |
| Average earning assets | $502,509,330 | 1,281 |
| Average equity | $72,621,330 | 921 |
| Average total loans | $369,033,000 | 1,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 3,190 |
| Cost of funding earning assets | 2.1881% | 3,226 |
| Net interest margin | 3.6338% | 4,172 |
| Noninterest income to average assets | 0.4865% | 4,445 |
| Noninterest expense to average assets | 2.8081% | 4,523 |
| Loan and lease loss provision to assets | 0.0614% | 6,190 |
| Net operating income to assets | 0.6518% | 3,791 |
| Return on assets (ROA) | 0.6518% | 3,974 |
| Pretax return on assets | 0.8540% | 3,874 |
| Return on Equity (ROE) | 5.0131% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.0131% | 3,124 |
| Net charge-offs to loans | 0.0744% | 4,439 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 18.6471% | 1,455 |
| Efficiency ratio | 75.4168% | 3,580 |
| Assets per employee ($millions) | 4.8947% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 7,640 |
| Loan loss allowance to noncurrent loans | 23.5811% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 3,323 |
| Noncurrent loans to loans | 2.5951% | 2,541 |
| Net loans and leases to total assets | 65.0913% | 4,796 |
| Net loans and leases to deposits | 80.3446% | 4,559 |
| Net loans and leases to core deposits | 99.4428% | 4,592 |
| Total domestic deposits to total assets | 81.0152% | 4,961 |
| Equity capital to assets | 12.7893% | 1,839 |
| Core capital (leverage) ratio | 14.9653% | 980 |
| Tier 1 risk-based capital ratio | 22.2317% | 1,273 |
| Total risk-based capital ratio | 23.0800% | 1,291 |
| Memoranda: | ||
| Average total assets | $554,120,500 | 1,280 |
| Average earning assets | $493,584,000 | 1,318 |
| Average equity | $72,051,000 | 930 |
| Average total loans | $365,526,000 | 1,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0362% | 5,387 |
| Cost of funding earning assets | 2.4295% | 4,573 |
| Net interest margin | 3.6068% | 4,856 |
| Noninterest income to average assets | 0.5362% | 4,348 |
| Noninterest expense to average assets | 2.5657% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8767% | 3,105 |
| Return on assets (ROA) | -0.4517% | 6,760 |
| Pretax return on assets | -0.8413% | 6,907 |
| Return on Equity (ROE) | -2.9712% | 6,617 |
| Retained earnings to average equity (ytd only) | -2.9712% | 6,099 |
| Net charge-offs to loans | 0.0145% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 129.7255% | 345 |
| Efficiency ratio | 67.5161% | 4,813 |
| Assets per employee ($millions) | 4.7838% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6178% | 7,647 |
| Loan loss allowance to noncurrent loans | 31.0498% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 3,394 |
| Noncurrent loans to loans | 1.9898% | 2,776 |
| Net loans and leases to total assets | 66.0427% | 4,840 |
| Net loans and leases to deposits | 82.1111% | 4,711 |
| Net loans and leases to core deposits | 100.2748% | 4,802 |
| Total domestic deposits to total assets | 80.4309% | 4,858 |
| Equity capital to assets | 13.2231% | 1,698 |
| Core capital (leverage) ratio | 14.8842% | 1,062 |
| Tier 1 risk-based capital ratio | 22.5425% | 1,247 |
| Total risk-based capital ratio | 23.6178% | 1,239 |
| Memoranda: | ||
| Average total assets | $535,959,800 | 1,268 |
| Average earning assets | $485,003,400 | 1,270 |
| Average equity | $81,482,400 | 818 |
| Average total loans | $351,338,400 | 1,381 |