Home > Ulster Savings Bank > Performance and Condition Ratios
Ulster 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 | 4.2665% | 3,493 |
| Cost of funding earning assets | 1.2783% | 2,576 |
| Net interest margin | 2.9882% | 3,307 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 3.2982% | 739 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.3953% | 3,882 |
| Return on assets (ROA) | 0.3953% | 3,871 |
| Pretax return on assets | 0.4667% | 3,869 |
| Return on Equity (ROE) | 5.0100% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.0142% | 2,604 |
| Net charge-offs to loans | 0.0359% | 1,590 |
| Credit loss provision to net charge-offs | 184.7025% | 1,282 |
| Earnings coverage of net charge-offs (x) | 18.0227% | 1,952 |
| Efficiency ratio | 86.9481% | 518 |
| Assets per employee ($millions) | 5.1249% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,636 |
| Loan loss allowance to noncurrent loans | 270.9428% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 1,612 |
| Noncurrent loans to loans | 0.4183% | 1,733 |
| Net loans and leases to total assets | 76.5200% | 1,046 |
| Net loans and leases to deposits | 92.3456% | 1,062 |
| Net loans and leases to core deposits | 100.1787% | 1,421 |
| Total domestic deposits to total assets | 82.8600% | 2,923 |
| Equity capital to assets | 7.9961% | 3,422 |
| Core capital (leverage) ratio | 9.2818% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2243% | 1,789 |
| Memoranda: | ||
| Average total assets | $1,285,469,800 | 811 |
| Average earning assets | $1,179,674,400 | 807 |
| Average equity | $101,332,000 | 935 |
| Average total loans | $984,519,000 | 739 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,482 |
| Cost of funding earning assets | 1.1417% | 2,615 |
| Net interest margin | 3.0511% | 3,230 |
| Noninterest income to average assets | 1.1000% | 555 |
| Noninterest expense to average assets | 3.3569% | 663 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4242% | 3,920 |
| Return on assets (ROA) | 0.4241% | 3,913 |
| Pretax return on assets | 0.5242% | 3,867 |
| Return on Equity (ROE) | 5.4000% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.4004% | 2,805 |
| Net charge-offs to loans | 0.0395% | 1,323 |
| Credit loss provision to net charge-offs | 178.8927% | 1,196 |
| Earnings coverage of net charge-offs (x) | 17.8581% | 1,890 |
| Efficiency ratio | 86.1682% | 508 |
| Assets per employee ($millions) | 5.2769% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,684 |
| Loan loss allowance to noncurrent loans | 218.0592% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 1,426 |
| Noncurrent loans to loans | 0.5219% | 1,515 |
| Net loans and leases to total assets | 76.5400% | 1,057 |
| Net loans and leases to deposits | 92.7337% | 995 |
| Net loans and leases to core deposits | 99.3054% | 1,356 |
| Total domestic deposits to total assets | 82.5300% | 3,111 |
| Equity capital to assets | 7.4951% | 3,355 |
| Core capital (leverage) ratio | 9.3144% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2097% | 1,816 |
| Memoranda: | ||
| Average total assets | $1,277,560,750 | 821 |
| Average earning assets | $1,172,611,750 | 814 |
| Average equity | $100,335,750 | 937 |
| Average total loans | $975,802,500 | 746 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 3,454 |
| Cost of funding earning assets | 1.0013% | 2,601 |
| Net interest margin | 3.1157% | 3,183 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 3.3708% | 629 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.4961% | 3,819 |
| Return on assets (ROA) | 0.4960% | 3,823 |
| Pretax return on assets | 0.6152% | 3,772 |
| Return on Equity (ROE) | 6.2200% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,538 |
| Net charge-offs to loans | 0.0423% | 1,088 |
| Credit loss provision to net charge-offs | -4.4118% | 4,497 |
| Earnings coverage of net charge-offs (x) | 18.1422% | 1,769 |
| Efficiency ratio | 85.2400% | 532 |
| Assets per employee ($millions) | 5.1990% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 2,897 |
| Loan loss allowance to noncurrent loans | 242.5747% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,509 |
| Noncurrent loans to loans | 0.4585% | 1,569 |
| Net loans and leases to total assets | 75.8400% | 1,071 |
| Net loans and leases to deposits | 90.4566% | 1,150 |
| Net loans and leases to core deposits | 95.9687% | 1,470 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 7.8128% | 3,341 |
| Core capital (leverage) ratio | 9.4022% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2514% | 1,800 |
| Memoranda: | ||
| Average total assets | $1,268,951,000 | 814 |
| Average earning assets | $1,164,629,333 | 815 |
| Average equity | $101,217,333 | 931 |
| Average total loans | $964,719,667 | 737 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,425 |
| Cost of funding earning assets | 0.8389% | 2,573 |
| Net interest margin | 3.1753% | 3,174 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 3.3432% | 662 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 0.6336% | 3,626 |
| Return on assets (ROA) | 0.6334% | 3,582 |
| Pretax return on assets | 0.7897% | 3,485 |
| Return on Equity (ROE) | 7.8600% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.8574% | 2,261 |
| Net charge-offs to loans | 0.0572% | 800 |
| Credit loss provision to net charge-offs | -147.0588% | 4,601 |
| Earnings coverage of net charge-offs (x) | 15.3676% | 1,546 |
| Efficiency ratio | 83.3823% | 623 |
| Assets per employee ($millions) | 5.1196% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,862 |
| Loan loss allowance to noncurrent loans | 249.3492% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,483 |
| Noncurrent loans to loans | 0.4566% | 1,577 |
| Net loans and leases to total assets | 74.9800% | 1,084 |
| Net loans and leases to deposits | 89.4676% | 1,093 |
| Net loans and leases to core deposits | 92.4208% | 1,481 |
| Total domestic deposits to total assets | 83.8100% | 3,131 |
| Equity capital to assets | 8.0846% | 3,181 |
| Core capital (leverage) ratio | 9.4843% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5088% | 1,795 |
| Memoranda: | ||
| Average total assets | $1,256,145,500 | 838 |
| Average earning assets | $1,153,905,500 | 834 |
| Average equity | $101,255,500 | 942 |
| Average total loans | $950,654,500 | 758 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 3,608 |
| Cost of funding earning assets | 0.2722% | 3,132 |
| Net interest margin | 3.0169% | 3,409 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.2648% | 659 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.4848% | 4,106 |
| Return on assets (ROA) | 0.4848% | 4,073 |
| Pretax return on assets | 0.5935% | 4,036 |
| Return on Equity (ROE) | 5.7800% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.7751% | 2,727 |
| Net charge-offs to loans | 0.0244% | 1,570 |
| Credit loss provision to net charge-offs | 128.0952% | 1,418 |
| Earnings coverage of net charge-offs (x) | 36.7571% | 1,557 |
| Efficiency ratio | 84.1112% | 491 |
| Assets per employee ($millions) | 5.0722% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 2,757 |
| Loan loss allowance to noncurrent loans | 220.7327% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 1,328 |
| Noncurrent loans to loans | 0.5098% | 1,426 |
| Net loans and leases to total assets | 74.6700% | 1,159 |
| Net loans and leases to deposits | 86.3556% | 1,287 |
| Net loans and leases to core deposits | 88.4541% | 1,585 |
| Total domestic deposits to total assets | 86.4600% | 2,584 |
| Equity capital to assets | 8.0367% | 3,039 |
| Core capital (leverage) ratio | 9.6977% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4469% | 1,797 |
| Memoranda: | ||
| Average total assets | $1,255,259,800 | 819 |
| Average earning assets | $1,164,868,000 | 815 |
| Average equity | $105,366,600 | 912 |
| Average total loans | $859,037,400 | 778 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1570% | 3,545 |
| Cost of funding earning assets | 0.2352% | 2,868 |
| Net interest margin | 2.9218% | 3,428 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.2584% | 630 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4281% | 4,194 |
| Return on assets (ROA) | 0.4281% | 4,138 |
| Pretax return on assets | 0.5287% | 4,102 |
| Return on Equity (ROE) | 5.0500% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.0462% | 3,083 |
| Net charge-offs to loans | 0.0049% | 1,996 |
| Credit loss provision to net charge-offs | 867.7419% | 447 |
| Earnings coverage of net charge-offs (x) | 169.4839% | 690 |
| Efficiency ratio | 85.3573% | 486 |
| Assets per employee ($millions) | 4.8953% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,457 |
| Loan loss allowance to noncurrent loans | 121.1277% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 699 |
| Noncurrent loans to loans | 1.0016% | 777 |
| Net loans and leases to total assets | 72.3300% | 1,251 |
| Net loans and leases to deposits | 79.0516% | 1,628 |
| Net loans and leases to core deposits | 81.1736% | 1,818 |
| Total domestic deposits to total assets | 91.5000% | 1,049 |
| Equity capital to assets | 8.0444% | 2,866 |
| Core capital (leverage) ratio | 9.3428% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8983% | 1,739 |
| Memoranda: | ||
| Average total assets | $1,257,134,500 | 822 |
| Average earning assets | $1,168,806,500 | 814 |
| Average equity | $106,638,500 | 917 |
| Average total loans | $838,230,500 | 792 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 3,759 |
| Cost of funding earning assets | 0.2366% | 2,431 |
| Net interest margin | 2.6708% | 3,762 |
| Noninterest income to average assets | 1.0932% | 557 |
| Noninterest expense to average assets | 3.1841% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3239% | 4,247 |
| Return on assets (ROA) | 0.3239% | 4,199 |
| Pretax return on assets | 0.3972% | 4,165 |
| Return on Equity (ROE) | 3.7562% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.7562% | 3,179 |
| Net charge-offs to loans | 0.0083% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 74.2647% | 973 |
| Efficiency ratio | 88.8660% | 461 |
| Assets per employee ($millions) | 5.0469% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,446 |
| Loan loss allowance to noncurrent loans | 115.4894% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 741 |
| Noncurrent loans to loans | 1.0788% | 767 |
| Net loans and leases to total assets | 66.0410% | 1,683 |
| Net loans and leases to deposits | 72.3192% | 2,002 |
| Net loans and leases to core deposits | 74.2341% | 2,153 |
| Total domestic deposits to total assets | 91.3187% | 1,096 |
| Equity capital to assets | 8.2138% | 2,967 |
| Core capital (leverage) ratio | 9.1937% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3113% | 1,626 |
| Memoranda: | ||
| Average total assets | $1,271,501,667 | 811 |
| Average earning assets | $1,184,520,333 | 808 |
| Average equity | $109,630,667 | 905 |
| Average total loans | $821,347,000 | 793 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8361% | 3,668 |
| Cost of funding earning assets | 0.2418% | 2,248 |
| Net interest margin | 2.5943% | 3,673 |
| Noninterest income to average assets | 1.0824% | 578 |
| Noninterest expense to average assets | 3.1743% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2698% | 4,198 |
| Return on assets (ROA) | 0.2698% | 4,167 |
| Pretax return on assets | 0.3287% | 4,145 |
| Return on Equity (ROE) | 3.0579% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.0579% | 3,240 |
| Net charge-offs to loans | 0.0276% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 18.7321% | 1,301 |
| Efficiency ratio | 90.5708% | 520 |
| Assets per employee ($millions) | 5.2823% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,398 |
| Loan loss allowance to noncurrent loans | 107.4787% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7604% | 730 |
| Noncurrent loans to loans | 1.2037% | 739 |
| Net loans and leases to total assets | 62.3590% | 1,812 |
| Net loans and leases to deposits | 68.5656% | 2,091 |
| Net loans and leases to core deposits | 71.1401% | 2,188 |
| Total domestic deposits to total assets | 90.9480% | 1,060 |
| Equity capital to assets | 8.4592% | 3,199 |
| Core capital (leverage) ratio | 9.1721% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7400% | 1,575 |
| Memoranda: | ||
| Average total assets | $1,276,385,000 | 815 |
| Average earning assets | $1,190,937,000 | 809 |
| Average equity | $112,628,000 | 910 |
| Average total loans | $810,133,000 | 796 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8037% | 4,204 |
| Cost of funding earning assets | 0.3582% | 1,871 |
| Net interest margin | 2.4454% | 4,261 |
| Noninterest income to average assets | 1.4826% | 509 |
| Noninterest expense to average assets | 3.2030% | 723 |
| Loan and lease loss provision to assets | -0.0383% | 4,304 |
| Net operating income to assets | 0.4971% | 4,090 |
| Return on assets (ROA) | 0.4894% | 4,157 |
| Pretax return on assets | 0.5914% | 4,124 |
| Return on Equity (ROE) | 5.3076% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.3076% | 2,670 |
| Net charge-offs to loans | -0.0114% | 3,784 |
| Credit loss provision to net charge-offs | 530.0000% | 776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0250% | 516 |
| Assets per employee ($millions) | 5.0766% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,344 |
| Loan loss allowance to noncurrent loans | 79.9924% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 519 |
| Noncurrent loans to loans | 1.6291% | 527 |
| Net loans and leases to total assets | 62.9378% | 1,834 |
| Net loans and leases to deposits | 69.7256% | 2,159 |
| Net loans and leases to core deposits | 72.5643% | 2,203 |
| Total domestic deposits to total assets | 90.2649% | 836 |
| Equity capital to assets | 9.1929% | 3,430 |
| Core capital (leverage) ratio | 9.1430% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8455% | 1,571 |
| Memoranda: | ||
| Average total assets | $1,245,003,000 | 801 |
| Average earning assets | $1,162,159,200 | 800 |
| Average equity | $114,796,600 | 907 |
| Average total loans | $791,566,400 | 803 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 4,303 |
| Cost of funding earning assets | 0.3851% | 1,822 |
| Net interest margin | 2.4123% | 4,385 |
| Noninterest income to average assets | 1.5614% | 512 |
| Noninterest expense to average assets | 3.2051% | 704 |
| Loan and lease loss provision to assets | 0.0362% | 2,270 |
| Net operating income to assets | 0.4609% | 4,275 |
| Return on assets (ROA) | 0.4509% | 4,330 |
| Pretax return on assets | 0.5589% | 4,286 |
| Return on Equity (ROE) | 4.8864% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.8864% | 3,262 |
| Net charge-offs to loans | -0.0168% | 3,896 |
| Credit loss provision to net charge-offs | -340.4040% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0244% | 514 |
| Assets per employee ($millions) | 5.1396% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,825 |
| Loan loss allowance to noncurrent loans | 83.5968% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 601 |
| Noncurrent loans to loans | 1.7324% | 578 |
| Net loans and leases to total assets | 60.4602% | 2,200 |
| Net loans and leases to deposits | 66.8273% | 2,556 |
| Net loans and leases to core deposits | 70.5883% | 2,541 |
| Total domestic deposits to total assets | 90.4723% | 575 |
| Equity capital to assets | 9.0246% | 3,810 |
| Core capital (leverage) ratio | 8.7903% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8740% | 1,658 |
| Memoranda: | ||
| Average total assets | $1,238,963,750 | 815 |
| Average earning assets | $1,156,267,500 | 812 |
| Average equity | $114,327,500 | 918 |
| Average total loans | $787,126,000 | 824 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7852% | 4,364 |
| Cost of funding earning assets | 0.4037% | 1,858 |
| Net interest margin | 2.3816% | 4,439 |
| Noninterest income to average assets | 1.6392% | 459 |
| Noninterest expense to average assets | 3.1971% | 725 |
| Loan and lease loss provision to assets | 0.0550% | 1,933 |
| Net operating income to assets | 0.4903% | 4,239 |
| Return on assets (ROA) | 0.4903% | 4,283 |
| Pretax return on assets | 0.6086% | 4,219 |
| Return on Equity (ROE) | 5.2730% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.2730% | 3,087 |
| Net charge-offs to loans | -0.0338% | 4,205 |
| Credit loss provision to net charge-offs | -253.3835% | 3,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7682% | 625 |
| Assets per employee ($millions) | 5.2844% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,867 |
| Loan loss allowance to noncurrent loans | 58.5722% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 374 |
| Noncurrent loans to loans | 2.4330% | 342 |
| Net loans and leases to total assets | 61.1781% | 2,285 |
| Net loans and leases to deposits | 67.4852% | 2,675 |
| Net loans and leases to core deposits | 71.5536% | 2,642 |
| Total domestic deposits to total assets | 90.6541% | 493 |
| Equity capital to assets | 8.9257% | 3,865 |
| Core capital (leverage) ratio | 8.9813% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8086% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,225,369,000 | 816 |
| Average earning assets | $1,143,027,333 | 812 |
| Average equity | $113,939,333 | 911 |
| Average total loans | $787,798,667 | 825 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8183% | 4,359 |
| Cost of funding earning assets | 0.4301% | 1,860 |
| Net interest margin | 2.3882% | 4,426 |
| Noninterest income to average assets | 2.0142% | 370 |
| Noninterest expense to average assets | 3.2758% | 630 |
| Loan and lease loss provision to assets | 0.0885% | 1,491 |
| Net operating income to assets | 0.6985% | 3,708 |
| Return on assets (ROA) | 0.6985% | 3,770 |
| Pretax return on assets | 0.8722% | 3,664 |
| Return on Equity (ROE) | 7.3532% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.3532% | 2,463 |
| Net charge-offs to loans | -0.0363% | 4,265 |
| Credit loss provision to net charge-offs | -371.8310% | 3,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2846% | 1,017 |
| Assets per employee ($millions) | 4.8548% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,829 |
| Loan loss allowance to noncurrent loans | 53.5424% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 328 |
| Noncurrent loans to loans | 2.6778% | 324 |
| Net loans and leases to total assets | 63.8244% | 2,068 |
| Net loans and leases to deposits | 70.7537% | 2,436 |
| Net loans and leases to core deposits | 74.2175% | 2,495 |
| Total domestic deposits to total assets | 90.2064% | 722 |
| Equity capital to assets | 9.3313% | 3,355 |
| Core capital (leverage) ratio | 9.4552% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9090% | 1,595 |
| Memoranda: | ||
| Average total assets | $1,193,354,500 | 828 |
| Average earning assets | $1,110,445,500 | 821 |
| Average equity | $113,365,000 | 907 |
| Average total loans | $781,581,500 | 826 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 3,996 |
| Cost of funding earning assets | 0.6340% | 2,096 |
| Net interest margin | 2.8838% | 4,137 |
| Noninterest income to average assets | 1.9021% | 356 |
| Noninterest expense to average assets | 3.5832% | 618 |
| Loan and lease loss provision to assets | 0.2610% | 1,485 |
| Net operating income to assets | 0.6525% | 3,584 |
| Return on assets (ROA) | 0.6875% | 3,604 |
| Pretax return on assets | 0.7671% | 3,712 |
| Return on Equity (ROE) | 6.6764% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.6764% | 1,520 |
| Net charge-offs to loans | 0.1004% | 1,467 |
| Credit loss provision to net charge-offs | 347.4407% | 1,588 |
| Earnings coverage of net charge-offs (x) | 13.1698% | 2,294 |
| Efficiency ratio | 78.3256% | 1,012 |
| Assets per employee ($millions) | 4.7109% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,946 |
| Loan loss allowance to noncurrent loans | 52.8726% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.7628% | 358 |
| Noncurrent loans to loans | 2.6604% | 364 |
| Net loans and leases to total assets | 65.3299% | 2,180 |
| Net loans and leases to deposits | 72.7515% | 2,612 |
| Net loans and leases to core deposits | 77.8635% | 2,560 |
| Total domestic deposits to total assets | 89.7988% | 639 |
| Equity capital to assets | 9.6740% | 3,437 |
| Core capital (leverage) ratio | 9.5415% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7464% | 1,613 |
| Memoranda: | ||
| Average total assets | $1,066,347,000 | 826 |
| Average earning assets | $987,416,600 | 829 |
| Average equity | $109,805,400 | 889 |
| Average total loans | $797,941,600 | 785 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 3,922 |
| Cost of funding earning assets | 0.6681% | 2,213 |
| Net interest margin | 2.9757% | 4,032 |
| Noninterest income to average assets | 1.8860% | 343 |
| Noninterest expense to average assets | 3.6073% | 608 |
| Loan and lease loss provision to assets | 0.2740% | 1,469 |
| Net operating income to assets | 0.6090% | 3,733 |
| Return on assets (ROA) | 0.6515% | 3,727 |
| Pretax return on assets | 0.8107% | 3,618 |
| Return on Equity (ROE) | 6.2203% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.2203% | 2,010 |
| Net charge-offs to loans | 0.0913% | 1,393 |
| Credit loss provision to net charge-offs | 388.5455% | 1,494 |
| Earnings coverage of net charge-offs (x) | 14.6273% | 2,145 |
| Efficiency ratio | 77.7216% | 1,060 |
| Assets per employee ($millions) | 4.6268% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,048 |
| Loan loss allowance to noncurrent loans | 87.0981% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0673% | 1,008 |
| Noncurrent loans to loans | 1.5247% | 934 |
| Net loans and leases to total assets | 69.0746% | 2,097 |
| Net loans and leases to deposits | 76.9681% | 2,657 |
| Net loans and leases to core deposits | 82.5092% | 2,621 |
| Total domestic deposits to total assets | 89.7444% | 516 |
| Equity capital to assets | 9.8082% | 3,419 |
| Core capital (leverage) ratio | 9.6184% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4063% | 1,693 |
| Memoranda: | ||
| Average total assets | $1,039,680,250 | 835 |
| Average earning assets | $961,857,250 | 834 |
| Average equity | $108,887,500 | 889 |
| Average total loans | $803,111,500 | 774 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 3,892 |
| Cost of funding earning assets | 0.6947% | 2,417 |
| Net interest margin | 3.0918% | 3,916 |
| Noninterest income to average assets | 1.7545% | 351 |
| Noninterest expense to average assets | 3.7131% | 563 |
| Loan and lease loss provision to assets | 0.2989% | 1,439 |
| Net operating income to assets | 0.4807% | 4,062 |
| Return on assets (ROA) | 0.5472% | 3,974 |
| Pretax return on assets | 0.6785% | 3,916 |
| Return on Equity (ROE) | 5.1035% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.1035% | 2,426 |
| Net charge-offs to loans | 0.1091% | 1,198 |
| Credit loss provision to net charge-offs | 342.5000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 10.2591% | 2,162 |
| Efficiency ratio | 80.5294% | 851 |
| Assets per employee ($millions) | 4.4581% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,329 |
| Loan loss allowance to noncurrent loans | 84.4119% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 1,057 |
| Noncurrent loans to loans | 1.4628% | 1,043 |
| Net loans and leases to total assets | 73.3644% | 1,500 |
| Net loans and leases to deposits | 81.8888% | 2,220 |
| Net loans and leases to core deposits | 87.5110% | 2,302 |
| Total domestic deposits to total assets | 89.5902% | 535 |
| Equity capital to assets | 10.0204% | 3,185 |
| Core capital (leverage) ratio | 10.0889% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5395% | 1,619 |
| Memoranda: | ||
| Average total assets | $1,008,388,333 | 845 |
| Average earning assets | $930,772,667 | 846 |
| Average equity | $108,122,667 | 893 |
| Average total loans | $806,303,000 | 765 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 3,318 |
| Cost of funding earning assets | 0.7389% | 2,729 |
| Net interest margin | 3.4318% | 3,209 |
| Noninterest income to average assets | 1.9216% | 286 |
| Noninterest expense to average assets | 3.8623% | 579 |
| Loan and lease loss provision to assets | 0.3237% | 958 |
| Net operating income to assets | 0.7160% | 3,221 |
| Return on assets (ROA) | 0.7160% | 3,301 |
| Pretax return on assets | 0.8919% | 3,159 |
| Return on Equity (ROE) | 6.4395% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.4395% | 1,733 |
| Net charge-offs to loans | 0.1169% | 1,005 |
| Credit loss provision to net charge-offs | 332.7660% | 1,110 |
| Earnings coverage of net charge-offs (x) | 12.4979% | 1,691 |
| Efficiency ratio | 76.0209% | 1,562 |
| Assets per employee ($millions) | 3.8597% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,771 |
| Loan loss allowance to noncurrent loans | 105.5691% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 1,446 |
| Noncurrent loans to loans | 1.1186% | 1,479 |
| Net loans and leases to total assets | 81.3874% | 520 |
| Net loans and leases to deposits | 92.0695% | 1,272 |
| Net loans and leases to core deposits | 98.5278% | 1,582 |
| Total domestic deposits to total assets | 88.3978% | 929 |
| Equity capital to assets | 11.1554% | 2,720 |
| Core capital (leverage) ratio | 11.0328% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8563% | 1,642 |
| Memoranda: | ||
| Average total assets | $966,470,000 | 850 |
| Average earning assets | $888,855,000 | 856 |
| Average equity | $107,461,500 | 893 |
| Average total loans | $803,793,500 | 747 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,670 |
| Cost of funding earning assets | 0.7516% | 2,911 |
| Net interest margin | 3.5016% | 3,445 |
| Noninterest income to average assets | 1.7757% | 310 |
| Noninterest expense to average assets | 3.9636% | 551 |
| Loan and lease loss provision to assets | 0.1020% | 2,023 |
| Net operating income to assets | 0.6403% | 4,038 |
| Return on assets (ROA) | 0.7389% | 3,808 |
| Pretax return on assets | 1.0399% | 3,359 |
| Return on Equity (ROE) | 6.6846% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.6846% | 1,531 |
| Net charge-offs to loans | 0.0616% | 2,223 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 19.9404% | 1,964 |
| Efficiency ratio | 79.5381% | 978 |
| Assets per employee ($millions) | 3.8411% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,859 |
| Loan loss allowance to noncurrent loans | 93.5605% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 1,232 |
| Noncurrent loans to loans | 1.1908% | 1,266 |
| Net loans and leases to total assets | 83.0572% | 420 |
| Net loans and leases to deposits | 94.8517% | 1,068 |
| Net loans and leases to core deposits | 101.1276% | 1,475 |
| Total domestic deposits to total assets | 87.5653% | 1,333 |
| Equity capital to assets | 11.0818% | 2,917 |
| Core capital (leverage) ratio | 10.9860% | 2,515 |
| Tier 1 risk-based capital ratio | 14.6258% | 2,945 |
| Total risk-based capital ratio | 15.8761% | 2,855 |
| Memoranda: | ||
| Average total assets | $921,454,000 | 854 |
| Average earning assets | $843,413,400 | 857 |
| Average equity | $101,861,000 | 887 |
| Average total loans | $763,500,600 | 747 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,817 |
| Cost of funding earning assets | 0.7352% | 3,036 |
| Net interest margin | 3.5104% | 3,532 |
| Noninterest income to average assets | 1.5401% | 386 |
| Noninterest expense to average assets | 3.9368% | 567 |
| Loan and lease loss provision to assets | 0.1135% | 1,714 |
| Net operating income to assets | 0.3901% | 4,738 |
| Return on assets (ROA) | 0.5228% | 4,513 |
| Pretax return on assets | 0.8641% | 3,967 |
| Return on Equity (ROE) | 4.7327% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.7327% | 3,036 |
| Net charge-offs to loans | 0.0444% | 2,201 |
| Credit loss provision to net charge-offs | 309.5618% | 932 |
| Earnings coverage of net charge-offs (x) | 22.0796% | 1,881 |
| Efficiency ratio | 82.8999% | 695 |
| Assets per employee ($millions) | 3.7051% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 2,805 |
| Loan loss allowance to noncurrent loans | 114.6640% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 1,657 |
| Noncurrent loans to loans | 0.9971% | 1,602 |
| Net loans and leases to total assets | 82.4345% | 512 |
| Net loans and leases to deposits | 94.8634% | 1,139 |
| Net loans and leases to core deposits | 100.7638% | 1,601 |
| Total domestic deposits to total assets | 86.8981% | 1,572 |
| Equity capital to assets | 10.8877% | 3,211 |
| Core capital (leverage) ratio | 10.6502% | 2,975 |
| Tier 1 risk-based capital ratio | 14.0367% | 3,312 |
| Total risk-based capital ratio | 15.2871% | 3,219 |
| Memoranda: | ||
| Average total assets | $912,709,000 | 864 |
| Average earning assets | $833,623,000 | 863 |
| Average equity | $100,828,750 | 894 |
| Average total loans | $753,541,500 | 759 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 3,852 |
| Cost of funding earning assets | 0.7054% | 3,140 |
| Net interest margin | 3.5224% | 3,521 |
| Noninterest income to average assets | 1.5610% | 377 |
| Noninterest expense to average assets | 4.0341% | 512 |
| Loan and lease loss provision to assets | 0.1723% | 1,055 |
| Net operating income to assets | 0.4332% | 4,665 |
| Return on assets (ROA) | 0.4512% | 4,665 |
| Pretax return on assets | 0.5951% | 4,549 |
| Return on Equity (ROE) | 4.0639% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.0639% | 3,215 |
| Net charge-offs to loans | 0.0811% | 1,547 |
| Credit loss provision to net charge-offs | 258.1395% | 994 |
| Earnings coverage of net charge-offs (x) | 11.1561% | 2,221 |
| Efficiency ratio | 84.3727% | 630 |
| Assets per employee ($millions) | 3.5243% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,643 |
| Loan loss allowance to noncurrent loans | 110.9212% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 1,555 |
| Noncurrent loans to loans | 1.0608% | 1,547 |
| Net loans and leases to total assets | 82.1041% | 597 |
| Net loans and leases to deposits | 94.2042% | 1,237 |
| Net loans and leases to core deposits | 100.0051% | 1,723 |
| Total domestic deposits to total assets | 87.1555% | 1,512 |
| Equity capital to assets | 11.1184% | 2,932 |
| Core capital (leverage) ratio | 10.7377% | 2,854 |
| Tier 1 risk-based capital ratio | 14.2859% | 3,167 |
| Total risk-based capital ratio | 15.5368% | 3,090 |
| Memoranda: | ||
| Average total assets | $902,013,000 | 871 |
| Average earning assets | $823,985,670 | 872 |
| Average equity | $100,149,330 | 897 |
| Average total loans | $742,106,330 | 766 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,875 |
| Cost of funding earning assets | 0.6435% | 3,345 |
| Net interest margin | 3.5543% | 3,420 |
| Noninterest income to average assets | 1.5591% | 356 |
| Noninterest expense to average assets | 4.1294% | 445 |
| Loan and lease loss provision to assets | 0.1681% | 999 |
| Net operating income to assets | 0.3829% | 4,760 |
| Return on assets (ROA) | 0.4023% | 4,740 |
| Pretax return on assets | 0.5257% | 4,630 |
| Return on Equity (ROE) | 3.6260% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.6260% | 3,467 |
| Net charge-offs to loans | 0.1201% | 1,021 |
| Credit loss provision to net charge-offs | 170.9091% | 1,148 |
| Earnings coverage of net charge-offs (x) | 6.8045% | 2,172 |
| Efficiency ratio | 86.0084% | 581 |
| Assets per employee ($millions) | 3.3211% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,722 |
| Loan loss allowance to noncurrent loans | 111.2729% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,600 |
| Noncurrent loans to loans | 1.0546% | 1,582 |
| Net loans and leases to total assets | 81.4192% | 654 |
| Net loans and leases to deposits | 93.4564% | 1,233 |
| Net loans and leases to core deposits | 99.7425% | 1,646 |
| Total domestic deposits to total assets | 87.1199% | 1,745 |
| Equity capital to assets | 11.1992% | 2,653 |
| Core capital (leverage) ratio | 10.8751% | 2,684 |
| Tier 1 risk-based capital ratio | 14.6618% | 3,029 |
| Total risk-based capital ratio | 15.9127% | 2,951 |
| Memoranda: | ||
| Average total assets | $894,858,500 | 877 |
| Average earning assets | $815,579,500 | 884 |
| Average equity | $99,284,000 | 898 |
| Average total loans | $732,511,500 | 777 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,991 |
| Cost of funding earning assets | 0.5460% | 3,076 |
| Net interest margin | 3.4671% | 3,812 |
| Noninterest income to average assets | 1.5277% | 396 |
| Noninterest expense to average assets | 4.0156% | 522 |
| Loan and lease loss provision to assets | 0.1568% | 1,326 |
| Net operating income to assets | 0.4355% | 4,797 |
| Return on assets (ROA) | 0.4355% | 4,791 |
| Pretax return on assets | 0.5045% | 4,788 |
| Return on Equity (ROE) | 3.9368% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.9368% | 3,408 |
| Net charge-offs to loans | 0.1262% | 1,486 |
| Credit loss provision to net charge-offs | 153.9503% | 1,791 |
| Earnings coverage of net charge-offs (x) | 6.4932% | 3,082 |
| Efficiency ratio | 85.8133% | 538 |
| Assets per employee ($millions) | 3.3952% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,754 |
| Loan loss allowance to noncurrent loans | 106.2516% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 1,564 |
| Noncurrent loans to loans | 1.0949% | 1,482 |
| Net loans and leases to total assets | 80.3852% | 882 |
| Net loans and leases to deposits | 93.0222% | 1,399 |
| Net loans and leases to core deposits | 98.8465% | 1,802 |
| Total domestic deposits to total assets | 86.4150% | 2,048 |
| Equity capital to assets | 10.9911% | 2,698 |
| Core capital (leverage) ratio | 10.7343% | 2,807 |
| Tier 1 risk-based capital ratio | 14.5860% | 3,027 |
| Total risk-based capital ratio | 15.8366% | 2,944 |
| Memoranda: | ||
| Average total assets | $869,936,400 | 878 |
| Average earning assets | $790,178,800 | 891 |
| Average equity | $96,245,600 | 881 |
| Average total loans | $702,148,600 | 788 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 4,090 |
| Cost of funding earning assets | 0.5264% | 3,019 |
| Net interest margin | 3.4195% | 3,948 |
| Noninterest income to average assets | 1.5689% | 394 |
| Noninterest expense to average assets | 3.9912% | 532 |
| Loan and lease loss provision to assets | 0.1324% | 1,521 |
| Net operating income to assets | 0.4469% | 4,860 |
| Return on assets (ROA) | 0.4469% | 4,866 |
| Pretax return on assets | 0.5510% | 4,815 |
| Return on Equity (ROE) | 4.0329% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.0329% | 3,753 |
| Net charge-offs to loans | 0.1689% | 980 |
| Credit loss provision to net charge-offs | 97.2758% | 2,334 |
| Earnings coverage of net charge-offs (x) | 5.0227% | 2,997 |
| Efficiency ratio | 85.3348% | 556 |
| Assets per employee ($millions) | 3.3382% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,107 |
| Loan loss allowance to noncurrent loans | 83.7954% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 1,268 |
| Noncurrent loans to loans | 1.3302% | 1,255 |
| Net loans and leases to total assets | 80.3190% | 966 |
| Net loans and leases to deposits | 91.5694% | 1,677 |
| Net loans and leases to core deposits | 97.2307% | 1,996 |
| Total domestic deposits to total assets | 87.7138% | 1,384 |
| Equity capital to assets | 10.9649% | 2,692 |
| Core capital (leverage) ratio | 10.5770% | 3,000 |
| Tier 1 risk-based capital ratio | 14.5759% | 3,079 |
| Total risk-based capital ratio | 15.8260% | 3,001 |
| Memoranda: | ||
| Average total assets | $863,338,500 | 880 |
| Average earning assets | $784,111,500 | 894 |
| Average equity | $95,678,000 | 877 |
| Average total loans | $695,436,750 | 794 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 4,089 |
| Cost of funding earning assets | 0.5039% | 2,981 |
| Net interest margin | 3.3932% | 3,974 |
| Noninterest income to average assets | 1.6327% | 375 |
| Noninterest expense to average assets | 4.0842% | 482 |
| Loan and lease loss provision to assets | 0.0938% | 2,046 |
| Net operating income to assets | 0.4323% | 4,898 |
| Return on assets (ROA) | 0.4323% | 4,905 |
| Pretax return on assets | 0.5335% | 4,845 |
| Return on Equity (ROE) | 3.8863% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.8863% | 3,664 |
| Net charge-offs to loans | 0.2437% | 650 |
| Credit loss provision to net charge-offs | 47.9142% | 2,504 |
| Earnings coverage of net charge-offs (x) | 3.2050% | 2,900 |
| Efficiency ratio | 86.6366% | 539 |
| Assets per employee ($millions) | 3.2760% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,369 |
| Loan loss allowance to noncurrent loans | 73.4135% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 1,140 |
| Noncurrent loans to loans | 1.4741% | 1,141 |
| Net loans and leases to total assets | 79.0677% | 1,154 |
| Net loans and leases to deposits | 89.7580% | 1,869 |
| Net loans and leases to core deposits | 95.3460% | 2,121 |
| Total domestic deposits to total assets | 88.0899% | 1,328 |
| Equity capital to assets | 10.9715% | 2,662 |
| Core capital (leverage) ratio | 10.7201% | 2,784 |
| Tier 1 risk-based capital ratio | 14.8291% | 2,960 |
| Total risk-based capital ratio | 16.0594% | 2,891 |
| Memoranda: | ||
| Average total assets | $857,360,670 | 888 |
| Average earning assets | $777,909,670 | 904 |
| Average equity | $95,360,330 | 882 |
| Average total loans | $688,646,330 | 800 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,916 |
| Cost of funding earning assets | 0.4724% | 3,020 |
| Net interest margin | 3.4298% | 3,779 |
| Noninterest income to average assets | 1.7165% | 339 |
| Noninterest expense to average assets | 4.2187% | 398 |
| Loan and lease loss provision to assets | 0.0504% | 2,768 |
| Net operating income to assets | 0.4510% | 4,808 |
| Return on assets (ROA) | 0.4510% | 4,812 |
| Pretax return on assets | 0.5547% | 4,783 |
| Return on Equity (ROE) | 4.0270% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.0270% | 3,584 |
| Net charge-offs to loans | 0.5174% | 290 |
| Credit loss provision to net charge-offs | 12.1041% | 2,163 |
| Earnings coverage of net charge-offs (x) | 1.4525% | 2,555 |
| Efficiency ratio | 87.4060% | 563 |
| Assets per employee ($millions) | 3.1361% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,677 |
| Loan loss allowance to noncurrent loans | 72.8106% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 1,230 |
| Noncurrent loans to loans | 1.4387% | 1,234 |
| Net loans and leases to total assets | 79.7155% | 974 |
| Net loans and leases to deposits | 91.2642% | 1,527 |
| Net loans and leases to core deposits | 98.2565% | 1,820 |
| Total domestic deposits to total assets | 87.3459% | 1,983 |
| Equity capital to assets | 11.1298% | 2,453 |
| Core capital (leverage) ratio | 10.8751% | 2,562 |
| Tier 1 risk-based capital ratio | 15.0368% | 2,848 |
| Total risk-based capital ratio | 16.2399% | 2,801 |
| Memoranda: | ||
| Average total assets | $848,701,500 | 897 |
| Average earning assets | $768,908,500 | 920 |
| Average equity | $95,058,000 | 891 |
| Average total loans | $683,392,000 | 804 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,057 |
| Cost of funding earning assets | 0.4414% | 2,862 |
| Net interest margin | 3.6585% | 2,959 |
| Noninterest income to average assets | 1.8220% | 341 |
| Noninterest expense to average assets | 4.6176% | 287 |
| Loan and lease loss provision to assets | 0.1222% | 1,872 |
| Net operating income to assets | 0.2038% | 5,099 |
| Return on assets (ROA) | 0.2586% | 5,023 |
| Pretax return on assets | 0.4517% | 5,017 |
| Return on Equity (ROE) | 2.2563% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.2563% | 3,966 |
| Net charge-offs to loans | 0.1718% | 1,437 |
| Credit loss provision to net charge-offs | 91.7958% | 2,752 |
| Earnings coverage of net charge-offs (x) | 3.6691% | 3,574 |
| Efficiency ratio | 90.3906% | 416 |
| Assets per employee ($millions) | 3.0591% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,885 |
| Loan loss allowance to noncurrent loans | 95.6724% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 1,434 |
| Noncurrent loans to loans | 1.2355% | 1,429 |
| Net loans and leases to total assets | 79.5327% | 1,029 |
| Net loans and leases to deposits | 92.5024% | 1,454 |
| Net loans and leases to core deposits | 97.0464% | 1,944 |
| Total domestic deposits to total assets | 85.9791% | 2,446 |
| Equity capital to assets | 11.2722% | 2,385 |
| Core capital (leverage) ratio | 10.9161% | 2,414 |
| Tier 1 risk-based capital ratio | 14.9954% | 2,861 |
| Total risk-based capital ratio | 16.2482% | 2,781 |
| Memoranda: | ||
| Average total assets | $824,210,000 | 903 |
| Average earning assets | $739,845,400 | 929 |
| Average equity | $94,447,000 | 870 |
| Average total loans | $638,375,200 | 821 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 3,067 |
| Cost of funding earning assets | 0.4425% | 2,783 |
| Net interest margin | 3.6338% | 3,023 |
| Noninterest income to average assets | 1.9537% | 320 |
| Noninterest expense to average assets | 4.6137% | 290 |
| Loan and lease loss provision to assets | 0.1207% | 1,796 |
| Net operating income to assets | 0.3493% | 5,113 |
| Return on assets (ROA) | 0.4446% | 4,923 |
| Pretax return on assets | 0.6034% | 4,836 |
| Return on Equity (ROE) | 3.8635% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.8635% | 3,626 |
| Net charge-offs to loans | 0.0963% | 1,818 |
| Credit loss provision to net charge-offs | 163.4361% | 1,576 |
| Earnings coverage of net charge-offs (x) | 8.0639% | 2,818 |
| Efficiency ratio | 88.5278% | 477 |
| Assets per employee ($millions) | 3.0686% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,501 |
| Loan loss allowance to noncurrent loans | 92.1284% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,320 |
| Noncurrent loans to loans | 1.3818% | 1,359 |
| Net loans and leases to total assets | 79.3185% | 1,079 |
| Net loans and leases to deposits | 91.3434% | 1,645 |
| Net loans and leases to core deposits | 95.9058% | 2,086 |
| Total domestic deposits to total assets | 86.8355% | 1,940 |
| Equity capital to assets | 11.6778% | 2,209 |
| Core capital (leverage) ratio | 10.7906% | 2,651 |
| Tier 1 risk-based capital ratio | 15.5029% | 2,705 |
| Total risk-based capital ratio | 16.7583% | 2,655 |
| Memoranda: | ||
| Average total assets | $819,947,250 | 912 |
| Average earning assets | $734,522,000 | 942 |
| Average equity | $94,351,500 | 872 |
| Average total loans | $628,698,750 | 838 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,299 |
| Cost of funding earning assets | 0.4313% | 2,792 |
| Net interest margin | 3.5447% | 3,237 |
| Noninterest income to average assets | 1.8987% | 342 |
| Noninterest expense to average assets | 4.4940% | 324 |
| Loan and lease loss provision to assets | 0.1078% | 1,889 |
| Net operating income to assets | 0.3277% | 5,156 |
| Return on assets (ROA) | 0.4589% | 4,852 |
| Pretax return on assets | 0.6640% | 4,649 |
| Return on Equity (ROE) | 4.0081% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.0081% | 3,323 |
| Net charge-offs to loans | 0.0979% | 1,642 |
| Credit loss provision to net charge-offs | 145.8746% | 1,550 |
| Earnings coverage of net charge-offs (x) | 7.8713% | 2,568 |
| Efficiency ratio | 88.4933% | 524 |
| Assets per employee ($millions) | 3.0340% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,470 |
| Loan loss allowance to noncurrent loans | 79.3196% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 1,207 |
| Noncurrent loans to loans | 1.6253% | 1,134 |
| Net loans and leases to total assets | 76.0909% | 1,535 |
| Net loans and leases to deposits | 87.3145% | 2,067 |
| Net loans and leases to core deposits | 91.3712% | 2,388 |
| Total domestic deposits to total assets | 87.1458% | 1,883 |
| Equity capital to assets | 11.4457% | 2,370 |
| Core capital (leverage) ratio | 10.9862% | 2,423 |
| Tier 1 risk-based capital ratio | 15.6083% | 2,663 |
| Total risk-based capital ratio | 16.8636% | 2,592 |
| Memoranda: | ||
| Average total assets | $820,154,670 | 921 |
| Average earning assets | $735,062,670 | 947 |
| Average equity | $93,909,000 | 876 |
| Average total loans | $618,846,330 | 853 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,198 |
| Cost of funding earning assets | 0.4285% | 2,732 |
| Net interest margin | 3.5237% | 3,185 |
| Noninterest income to average assets | 2.0223% | 310 |
| Noninterest expense to average assets | 4.6088% | 302 |
| Loan and lease loss provision to assets | 0.1171% | 1,633 |
| Net operating income to assets | 0.3104% | 5,164 |
| Return on assets (ROA) | 0.5700% | 4,326 |
| Pretax return on assets | 0.8342% | 3,994 |
| Return on Equity (ROE) | 4.9775% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.9775% | 2,907 |
| Net charge-offs to loans | 0.0985% | 1,384 |
| Credit loss provision to net charge-offs | 159.3333% | 1,170 |
| Earnings coverage of net charge-offs (x) | 7.7467% | 2,111 |
| Efficiency ratio | 88.9541% | 608 |
| Assets per employee ($millions) | 2.9084% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,370 |
| Loan loss allowance to noncurrent loans | 107.0662% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 1,808 |
| Noncurrent loans to loans | 1.2456% | 1,621 |
| Net loans and leases to total assets | 74.3311% | 1,686 |
| Net loans and leases to deposits | 86.1178% | 2,020 |
| Net loans and leases to core deposits | 90.6310% | 2,300 |
| Total domestic deposits to total assets | 86.3133% | 2,530 |
| Equity capital to assets | 11.5476% | 2,154 |
| Core capital (leverage) ratio | 10.9801% | 2,375 |
| Tier 1 risk-based capital ratio | 16.3748% | 2,406 |
| Total risk-based capital ratio | 17.6313% | 2,346 |
| Memoranda: | ||
| Average total assets | $816,086,000 | 928 |
| Average earning assets | $730,945,500 | 949 |
| Average equity | $93,461,500 | 875 |
| Average total loans | $609,026,500 | 865 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,335 |
| Cost of funding earning assets | 0.4421% | 2,598 |
| Net interest margin | 3.5212% | 3,351 |
| Noninterest income to average assets | 2.1004% | 325 |
| Noninterest expense to average assets | 4.8611% | 281 |
| Loan and lease loss provision to assets | 0.2329% | 929 |
| Net operating income to assets | 0.1401% | 5,508 |
| Return on assets (ROA) | 0.1401% | 5,542 |
| Pretax return on assets | 0.1418% | 5,552 |
| Return on Equity (ROE) | 1.1975% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.1975% | 4,811 |
| Net charge-offs to loans | 0.1847% | 1,499 |
| Credit loss provision to net charge-offs | 172.6168% | 1,611 |
| Earnings coverage of net charge-offs (x) | 2.7766% | 3,774 |
| Efficiency ratio | 92.7976% | 429 |
| Assets per employee ($millions) | 2.9631% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,344 |
| Loan loss allowance to noncurrent loans | 103.6638% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,822 |
| Noncurrent loans to loans | 1.2912% | 1,581 |
| Net loans and leases to total assets | 72.9332% | 2,022 |
| Net loans and leases to deposits | 84.3303% | 2,375 |
| Net loans and leases to core deposits | 88.7154% | 2,608 |
| Total domestic deposits to total assets | 86.4852% | 2,376 |
| Equity capital to assets | 11.3576% | 2,285 |
| Core capital (leverage) ratio | 10.8649% | 2,475 |
| Tier 1 risk-based capital ratio | 16.3331% | 2,413 |
| Total risk-based capital ratio | 17.5927% | 2,343 |
| Memoranda: | ||
| Average total assets | $792,882,000 | 914 |
| Average earning assets | $706,019,000 | 946 |
| Average equity | $92,774,600 | 861 |
| Average total loans | $579,217,600 | 856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,295 |
| Cost of funding earning assets | 0.4400% | 2,636 |
| Net interest margin | 3.5419% | 3,309 |
| Noninterest income to average assets | 2.1527% | 319 |
| Noninterest expense to average assets | 4.9598% | 275 |
| Loan and lease loss provision to assets | 0.2273% | 888 |
| Net operating income to assets | 0.1156% | 5,606 |
| Return on assets (ROA) | 0.1156% | 5,659 |
| Pretax return on assets | 0.1147% | 5,660 |
| Return on Equity (ROE) | 0.9804% | 5,644 |
| Retained earnings to average equity (ytd only) | 0.9804% | 5,093 |
| Net charge-offs to loans | 0.2355% | 997 |
| Credit loss provision to net charge-offs | 132.5099% | 1,955 |
| Earnings coverage of net charge-offs (x) | 1.9941% | 3,630 |
| Efficiency ratio | 93.5040% | 404 |
| Assets per employee ($millions) | 2.9103% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,649 |
| Loan loss allowance to noncurrent loans | 143.3608% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 2,626 |
| Noncurrent loans to loans | 0.9116% | 2,422 |
| Net loans and leases to total assets | 70.8432% | 2,369 |
| Net loans and leases to deposits | 82.0440% | 2,727 |
| Net loans and leases to core deposits | 86.2465% | 2,928 |
| Total domestic deposits to total assets | 86.3477% | 2,192 |
| Equity capital to assets | 11.4318% | 2,570 |
| Core capital (leverage) ratio | 11.1420% | 2,319 |
| Tier 1 risk-based capital ratio | 16.8539% | 2,276 |
| Total risk-based capital ratio | 18.1103% | 2,229 |
| Memoranda: | ||
| Average total assets | $786,649,250 | 919 |
| Average earning assets | $699,413,500 | 952 |
| Average equity | $92,747,250 | 862 |
| Average total loans | $572,884,750 | 865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,211 |
| Cost of funding earning assets | 0.4273% | 2,756 |
| Net interest margin | 3.5815% | 3,170 |
| Noninterest income to average assets | 2.1201% | 321 |
| Noninterest expense to average assets | 4.9753% | 271 |
| Loan and lease loss provision to assets | 0.2002% | 1,070 |
| Net operating income to assets | 0.1307% | 5,634 |
| Return on assets (ROA) | 0.1307% | 5,681 |
| Pretax return on assets | 0.1261% | 5,693 |
| Return on Equity (ROE) | 1.0971% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.0971% | 4,944 |
| Net charge-offs to loans | 0.2774% | 865 |
| Credit loss provision to net charge-offs | 98.6058% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.6071% | 3,387 |
| Efficiency ratio | 93.7970% | 425 |
| Assets per employee ($millions) | 2.6703% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,988 |
| Loan loss allowance to noncurrent loans | 93.6178% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 1,919 |
| Noncurrent loans to loans | 1.3513% | 1,665 |
| Net loans and leases to total assets | 72.1331% | 2,143 |
| Net loans and leases to deposits | 83.8410% | 2,488 |
| Net loans and leases to core deposits | 88.0622% | 2,718 |
| Total domestic deposits to total assets | 86.0356% | 2,406 |
| Equity capital to assets | 11.7878% | 2,279 |
| Core capital (leverage) ratio | 11.5251% | 1,972 |
| Tier 1 risk-based capital ratio | 16.8082% | 2,302 |
| Total risk-based capital ratio | 18.0637% | 2,251 |
| Memoranda: | ||
| Average total assets | $777,238,000 | 926 |
| Average earning assets | $690,442,330 | 966 |
| Average equity | $92,611,000 | 862 |
| Average total loans | $568,868,670 | 870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,162 |
| Cost of funding earning assets | 0.4184% | 2,873 |
| Net interest margin | 3.5983% | 3,084 |
| Noninterest income to average assets | 2.1073% | 317 |
| Noninterest expense to average assets | 4.8395% | 299 |
| Loan and lease loss provision to assets | 0.2715% | 621 |
| Net operating income to assets | 0.1516% | 5,611 |
| Return on assets (ROA) | 0.1516% | 5,665 |
| Pretax return on assets | 0.1926% | 5,644 |
| Return on Equity (ROE) | 1.2650% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.2650% | 4,749 |
| Net charge-offs to loans | 0.1098% | 1,470 |
| Credit loss provision to net charge-offs | 337.4194% | 792 |
| Earnings coverage of net charge-offs (x) | 5.7677% | 2,296 |
| Efficiency ratio | 91.2018% | 595 |
| Assets per employee ($millions) | 2.6512% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,645 |
| Loan loss allowance to noncurrent loans | 69.3314% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 1,319 |
| Noncurrent loans to loans | 1.9493% | 1,109 |
| Net loans and leases to total assets | 72.4518% | 1,956 |
| Net loans and leases to deposits | 85.1844% | 2,172 |
| Net loans and leases to core deposits | 90.0967% | 2,364 |
| Total domestic deposits to total assets | 85.0530% | 3,114 |
| Equity capital to assets | 11.9842% | 2,039 |
| Core capital (leverage) ratio | 11.5731% | 1,926 |
| Tier 1 risk-based capital ratio | 16.6484% | 2,421 |
| Total risk-based capital ratio | 17.9055% | 2,366 |
| Memoranda: | ||
| Average total assets | $770,655,500 | 934 |
| Average earning assets | $684,544,500 | 969 |
| Average equity | $92,331,000 | 861 |
| Average total loans | $564,579,500 | 873 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,355 |
| Cost of funding earning assets | 0.4013% | 3,144 |
| Net interest margin | 3.5865% | 3,186 |
| Noninterest income to average assets | 1.9740% | 365 |
| Noninterest expense to average assets | 4.9315% | 290 |
| Loan and lease loss provision to assets | 1.2894% | 63 |
| Net operating income to assets | -0.6346% | 6,066 |
| Return on assets (ROA) | -0.6309% | 6,066 |
| Pretax return on assets | -1.0534% | 6,101 |
| Return on Equity (ROE) | -5.0575% | 6,046 |
| Retained earnings to average equity (ytd only) | -5.0575% | 5,917 |
| Net charge-offs to loans | 1.8103% | 76 |
| Credit loss provision to net charge-offs | 97.8308% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.1747% | 4,255 |
| Efficiency ratio | 95.4902% | 422 |
| Assets per employee ($millions) | 2.7204% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,865 |
| Loan loss allowance to noncurrent loans | 72.8033% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.4250% | 1,468 |
| Noncurrent loans to loans | 1.7926% | 1,226 |
| Net loans and leases to total assets | 72.1196% | 2,032 |
| Net loans and leases to deposits | 84.8688% | 2,257 |
| Net loans and leases to core deposits | 89.6959% | 2,433 |
| Total domestic deposits to total assets | 84.9777% | 3,101 |
| Equity capital to assets | 11.9775% | 1,966 |
| Core capital (leverage) ratio | 11.5463% | 1,925 |
| Tier 1 risk-based capital ratio | 16.6213% | 2,415 |
| Total risk-based capital ratio | 17.8787% | 2,375 |
| Memoranda: | ||
| Average total assets | $762,509,400 | 910 |
| Average earning assets | $677,728,200 | 938 |
| Average equity | $95,125,200 | 798 |
| Average total loans | $555,161,800 | 846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,495 |
| Cost of funding earning assets | 0.3967% | 3,253 |
| Net interest margin | 3.5626% | 3,291 |
| Noninterest income to average assets | 2.0570% | 346 |
| Noninterest expense to average assets | 4.8690% | 313 |
| Loan and lease loss provision to assets | 0.7779% | 93 |
| Net operating income to assets | -0.2531% | 6,066 |
| Return on assets (ROA) | -0.2480% | 6,080 |
| Pretax return on assets | -0.4147% | 6,120 |
| Return on Equity (ROE) | -1.9679% | 6,066 |
| Retained earnings to average equity (ytd only) | -1.9679% | 5,851 |
| Net charge-offs to loans | 0.9218% | 209 |
| Credit loss provision to net charge-offs | 116.0094% | 2,043 |
| Earnings coverage of net charge-offs (x) | 0.5296% | 3,940 |
| Efficiency ratio | 93.1548% | 517 |
| Assets per employee ($millions) | 2.7694% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 2,431 |
| Loan loss allowance to noncurrent loans | 32.3012% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.6057% | 346 |
| Noncurrent loans to loans | 4.4424% | 251 |
| Net loans and leases to total assets | 73.2134% | 1,867 |
| Net loans and leases to deposits | 87.6337% | 1,954 |
| Net loans and leases to core deposits | 92.7571% | 2,191 |
| Total domestic deposits to total assets | 83.5448% | 3,595 |
| Equity capital to assets | 12.5464% | 1,720 |
| Core capital (leverage) ratio | 12.2029% | 1,563 |
| Tier 1 risk-based capital ratio | 17.1648% | 2,307 |
| Total risk-based capital ratio | 18.4216% | 2,252 |
| Memoranda: | ||
| Average total assets | $761,347,250 | 911 |
| Average earning assets | $676,832,000 | 951 |
| Average equity | $95,935,000 | 802 |
| Average total loans | $553,805,500 | 855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,549 |
| Cost of funding earning assets | 0.3882% | 3,387 |
| Net interest margin | 3.5481% | 3,299 |
| Noninterest income to average assets | 2.1403% | 336 |
| Noninterest expense to average assets | 4.9556% | 298 |
| Loan and lease loss provision to assets | 1.0214% | 66 |
| Net operating income to assets | -0.4226% | 6,169 |
| Return on assets (ROA) | -0.4148% | 6,177 |
| Pretax return on assets | -0.6676% | 6,212 |
| Return on Equity (ROE) | -3.2872% | 6,163 |
| Retained earnings to average equity (ytd only) | -3.2872% | 5,938 |
| Net charge-offs to loans | 1.1367% | 167 |
| Credit loss provision to net charge-offs | 124.4153% | 1,757 |
| Earnings coverage of net charge-offs (x) | 0.4162% | 3,661 |
| Efficiency ratio | 93.5002% | 548 |
| Assets per employee ($millions) | 2.8583% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,335 |
| Loan loss allowance to noncurrent loans | 33.8198% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 3.5278% | 410 |
| Noncurrent loans to loans | 4.4088% | 316 |
| Net loans and leases to total assets | 72.0888% | 1,965 |
| Net loans and leases to deposits | 85.4431% | 2,117 |
| Net loans and leases to core deposits | 90.4123% | 2,310 |
| Total domestic deposits to total assets | 84.3705% | 3,410 |
| Equity capital to assets | 12.5410% | 1,637 |
| Core capital (leverage) ratio | 12.4112% | 1,425 |
| Tier 1 risk-based capital ratio | 17.5707% | 2,194 |
| Total risk-based capital ratio | 18.8279% | 2,147 |
| Memoranda: | ||
| Average total assets | $760,345,670 | 915 |
| Average earning assets | $676,536,670 | 957 |
| Average equity | $95,947,000 | 809 |
| Average total loans | $549,155,670 | 856 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,291 |
| Cost of funding earning assets | 0.3834% | 3,485 |
| Net interest margin | 3.5987% | 3,011 |
| Noninterest income to average assets | 2.0869% | 349 |
| Noninterest expense to average assets | 4.7246% | 366 |
| Loan and lease loss provision to assets | 2.1153% | 27 |
| Net operating income to assets | -0.9955% | 6,319 |
| Return on assets (ROA) | -0.9801% | 6,322 |
| Pretax return on assets | -1.5240% | 6,349 |
| Return on Equity (ROE) | -7.7427% | 6,299 |
| Retained earnings to average equity (ytd only) | -7.7427% | 6,066 |
| Net charge-offs to loans | 2.0765% | 85 |
| Credit loss provision to net charge-offs | 141.9845% | 1,296 |
| Earnings coverage of net charge-offs (x) | 0.3806% | 3,062 |
| Efficiency ratio | 89.2335% | 915 |
| Assets per employee ($millions) | 2.7561% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,097 |
| Loan loss allowance to noncurrent loans | 46.4314% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.7617% | 723 |
| Noncurrent loans to loans | 3.4185% | 576 |
| Net loans and leases to total assets | 71.1084% | 1,966 |
| Net loans and leases to deposits | 86.2267% | 1,803 |
| Net loans and leases to core deposits | 91.3199% | 1,999 |
| Total domestic deposits to total assets | 82.4668% | 4,362 |
| Equity capital to assets | 12.5576% | 1,657 |
| Core capital (leverage) ratio | 12.4513% | 1,383 |
| Tier 1 risk-based capital ratio | 17.9021% | 2,171 |
| Total risk-based capital ratio | 19.1655% | 2,123 |
| Memoranda: | ||
| Average total assets | $760,368,000 | 916 |
| Average earning assets | $677,136,000 | 948 |
| Average equity | $96,246,000 | 805 |
| Average total loans | $545,539,500 | 862 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,753 |
| Cost of funding earning assets | 0.3991% | 3,697 |
| Net interest margin | 3.5948% | 3,430 |
| Noninterest income to average assets | 1.9339% | 360 |
| Noninterest expense to average assets | 4.6874% | 398 |
| Loan and lease loss provision to assets | 0.2512% | 905 |
| Net operating income to assets | 0.1569% | 5,856 |
| Return on assets (ROA) | 0.2272% | 5,772 |
| Pretax return on assets | 0.2857% | 5,727 |
| Return on Equity (ROE) | 1.7758% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.7758% | 4,921 |
| Net charge-offs to loans | 0.3955% | 1,082 |
| Credit loss provision to net charge-offs | 90.0574% | 2,651 |
| Earnings coverage of net charge-offs (x) | 1.6099% | 4,382 |
| Efficiency ratio | 91.2059% | 767 |
| Assets per employee ($millions) | 2.8681% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,987 |
| Loan loss allowance to noncurrent loans | 34.4634% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 3.1603% | 613 |
| Noncurrent loans to loans | 4.0369% | 453 |
| Net loans and leases to total assets | 70.2467% | 2,198 |
| Net loans and leases to deposits | 84.8012% | 2,120 |
| Net loans and leases to core deposits | 89.9060% | 2,295 |
| Total domestic deposits to total assets | 82.8370% | 4,130 |
| Equity capital to assets | 12.7581% | 1,497 |
| Core capital (leverage) ratio | 12.4779% | 1,363 |
| Tier 1 risk-based capital ratio | 18.6883% | 1,936 |
| Total risk-based capital ratio | 19.9101% | 1,909 |
| Memoranda: | ||
| Average total assets | $750,056,200 | 901 |
| Average earning assets | $668,210,600 | 922 |
| Average equity | $95,955,200 | 770 |
| Average total loans | $528,914,200 | 833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,910 |
| Cost of funding earning assets | 0.3974% | 3,819 |
| Net interest margin | 3.5669% | 3,569 |
| Noninterest income to average assets | 1.9507% | 359 |
| Noninterest expense to average assets | 4.7259% | 377 |
| Loan and lease loss provision to assets | 0.1871% | 1,300 |
| Net operating income to assets | 0.1647% | 5,915 |
| Return on assets (ROA) | 0.2476% | 5,800 |
| Pretax return on assets | 0.3241% | 5,727 |
| Return on Equity (ROE) | 1.9337% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.9337% | 5,089 |
| Net charge-offs to loans | 0.2665% | 1,468 |
| Credit loss provision to net charge-offs | 99.8097% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.1456% | 3,982 |
| Efficiency ratio | 92.1049% | 704 |
| Assets per employee ($millions) | 2.8650% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,961 |
| Loan loss allowance to noncurrent loans | 29.1711% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 3.6859% | 564 |
| Noncurrent loans to loans | 4.9571% | 374 |
| Net loans and leases to total assets | 68.2115% | 2,496 |
| Net loans and leases to deposits | 80.7803% | 2,575 |
| Net loans and leases to core deposits | 85.4240% | 2,731 |
| Total domestic deposits to total assets | 84.4409% | 3,573 |
| Equity capital to assets | 12.4306% | 1,748 |
| Core capital (leverage) ratio | 12.1903% | 1,581 |
| Tier 1 risk-based capital ratio | 18.5049% | 2,050 |
| Total risk-based capital ratio | 19.7403% | 2,016 |
| Memoranda: | ||
| Average total assets | $747,555,750 | 914 |
| Average earning assets | $665,927,250 | 930 |
| Average equity | $95,701,750 | 768 |
| Average total loans | $525,780,500 | 839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,982 |
| Cost of funding earning assets | 0.3782% | 4,125 |
| Net interest margin | 3.5603% | 3,528 |
| Noninterest income to average assets | 1.9903% | 347 |
| Noninterest expense to average assets | 4.7390% | 372 |
| Loan and lease loss provision to assets | 0.1954% | 1,250 |
| Net operating income to assets | 0.1829% | 5,884 |
| Return on assets (ROA) | 0.2090% | 5,864 |
| Pretax return on assets | 0.2580% | 5,855 |
| Return on Equity (ROE) | 1.6159% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.6159% | 5,096 |
| Net charge-offs to loans | 0.3016% | 1,340 |
| Credit loss provision to net charge-offs | 91.6244% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.9746% | 3,678 |
| Efficiency ratio | 91.7856% | 775 |
| Assets per employee ($millions) | 2.7872% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,127 |
| Loan loss allowance to noncurrent loans | 27.7328% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 3.8933% | 567 |
| Noncurrent loans to loans | 5.2166% | 368 |
| Net loans and leases to total assets | 67.2536% | 2,538 |
| Net loans and leases to deposits | 79.5064% | 2,583 |
| Net loans and leases to core deposits | 84.1055% | 2,727 |
| Total domestic deposits to total assets | 84.5889% | 3,692 |
| Equity capital to assets | 12.3823% | 1,718 |
| Core capital (leverage) ratio | 12.2516% | 1,524 |
| Tier 1 risk-based capital ratio | 18.1717% | 2,179 |
| Total risk-based capital ratio | 19.3873% | 2,163 |
| Memoranda: | ||
| Average total assets | $738,892,670 | 921 |
| Average earning assets | $657,857,330 | 943 |
| Average equity | $95,550,330 | 762 |
| Average total loans | $522,577,670 | 840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,874 |
| Cost of funding earning assets | 0.3414% | 4,631 |
| Net interest margin | 3.6140% | 3,194 |
| Noninterest income to average assets | 2.0830% | 315 |
| Noninterest expense to average assets | 5.1322% | 293 |
| Loan and lease loss provision to assets | 0.1940% | 1,213 |
| Net operating income to assets | 0.0093% | 6,197 |
| Return on assets (ROA) | 0.0178% | 6,208 |
| Pretax return on assets | -0.0167% | 6,229 |
| Return on Equity (ROE) | 0.1345% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.1345% | 5,507 |
| Net charge-offs to loans | 0.4088% | 884 |
| Credit loss provision to net charge-offs | 65.8491% | 2,047 |
| Earnings coverage of net charge-offs (x) | 0.5566% | 3,321 |
| Efficiency ratio | 96.8511% | 599 |
| Assets per employee ($millions) | 2.5120% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 3,363 |
| Loan loss allowance to noncurrent loans | 28.9056% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 4.0288% | 579 |
| Noncurrent loans to loans | 5.0191% | 441 |
| Net loans and leases to total assets | 71.4995% | 1,650 |
| Net loans and leases to deposits | 82.9518% | 1,951 |
| Net loans and leases to core deposits | 84.4926% | 2,461 |
| Total domestic deposits to total assets | 86.1940% | 3,258 |
| Equity capital to assets | 13.2639% | 1,185 |
| Core capital (leverage) ratio | 13.0515% | 1,144 |
| Tier 1 risk-based capital ratio | 18.6295% | 2,082 |
| Total risk-based capital ratio | 19.8441% | 2,058 |
| Memoranda: | ||
| Average total assets | $719,528,500 | 946 |
| Average earning assets | $639,738,500 | 974 |
| Average equity | $95,182,000 | 768 |
| Average total loans | $518,539,000 | 848 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,202 |
| Cost of funding earning assets | 0.3877% | 4,770 |
| Net interest margin | 3.8503% | 2,468 |
| Noninterest income to average assets | 2.5855% | 264 |
| Noninterest expense to average assets | 5.0419% | 341 |
| Loan and lease loss provision to assets | 0.3937% | 763 |
| Net operating income to assets | 0.4307% | 5,036 |
| Return on assets (ROA) | 0.4379% | 5,124 |
| Pretax return on assets | 0.5981% | 4,878 |
| Return on Equity (ROE) | 3.3808% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.3808% | 3,822 |
| Net charge-offs to loans | 0.4546% | 1,455 |
| Credit loss provision to net charge-offs | 118.2530% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.9493% | 4,009 |
| Efficiency ratio | 83.6446% | 1,669 |
| Assets per employee ($millions) | 2.3627% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 3,186 |
| Loan loss allowance to noncurrent loans | 25.6943% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 4.6473% | 526 |
| Noncurrent loans to loans | 5.8426% | 362 |
| Net loans and leases to total assets | 70.5078% | 1,934 |
| Net loans and leases to deposits | 81.8872% | 2,191 |
| Net loans and leases to core deposits | 83.1150% | 2,762 |
| Total domestic deposits to total assets | 86.1036% | 3,201 |
| Equity capital to assets | 13.1930% | 1,189 |
| Core capital (leverage) ratio | 12.9611% | 1,155 |
| Tier 1 risk-based capital ratio | 18.6363% | 2,035 |
| Total risk-based capital ratio | 19.8523% | 2,018 |
| Memoranda: | ||
| Average total assets | $728,964,000 | 910 |
| Average earning assets | $650,989,800 | 928 |
| Average equity | $94,416,400 | 744 |
| Average total loans | $533,912,800 | 793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 3,216 |
| Cost of funding earning assets | 0.3963% | 4,846 |
| Net interest margin | 3.8513% | 2,460 |
| Noninterest income to average assets | 2.9464% | 246 |
| Noninterest expense to average assets | 5.2595% | 293 |
| Loan and lease loss provision to assets | 0.5152% | 526 |
| Net operating income to assets | 0.4324% | 5,101 |
| Return on assets (ROA) | 0.4324% | 5,250 |
| Pretax return on assets | 0.6117% | 4,977 |
| Return on Equity (ROE) | 3.3540% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.3540% | 4,294 |
| Net charge-offs to loans | 0.5445% | 1,170 |
| Credit loss provision to net charge-offs | 128.4675% | 1,838 |
| Earnings coverage of net charge-offs (x) | 2.8099% | 3,898 |
| Efficiency ratio | 82.3000% | 1,789 |
| Assets per employee ($millions) | 2.4078% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 3,370 |
| Loan loss allowance to noncurrent loans | 24.6809% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 4.8741% | 584 |
| Noncurrent loans to loans | 6.1610% | 398 |
| Net loans and leases to total assets | 69.9076% | 1,988 |
| Net loans and leases to deposits | 80.7906% | 2,292 |
| Net loans and leases to core deposits | 82.0719% | 2,868 |
| Total domestic deposits to total assets | 86.5294% | 2,948 |
| Equity capital to assets | 12.8797% | 1,387 |
| Core capital (leverage) ratio | 12.3925% | 1,474 |
| Tier 1 risk-based capital ratio | 18.3478% | 2,197 |
| Total risk-based capital ratio | 19.5630% | 2,172 |
| Memoranda: | ||
| Average total assets | $731,047,250 | 916 |
| Average earning assets | $652,997,500 | 928 |
| Average equity | $94,252,250 | 750 |
| Average total loans | $538,429,750 | 781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,976 |
| Cost of funding earning assets | 0.3927% | 5,005 |
| Net interest margin | 3.9024% | 2,203 |
| Noninterest income to average assets | 3.1879% | 232 |
| Noninterest expense to average assets | 5.0982% | 332 |
| Loan and lease loss provision to assets | 0.6442% | 386 |
| Net operating income to assets | 0.6370% | 4,122 |
| Return on assets (ROA) | 0.6370% | 4,271 |
| Pretax return on assets | 0.9223% | 3,823 |
| Return on Equity (ROE) | 4.9394% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.9394% | 3,091 |
| Net charge-offs to loans | 0.7752% | 821 |
| Credit loss provision to net charge-offs | 111.4746% | 1,990 |
| Earnings coverage of net charge-offs (x) | 2.7108% | 3,614 |
| Efficiency ratio | 76.4471% | 2,716 |
| Assets per employee ($millions) | 2.4956% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 3,944 |
| Loan loss allowance to noncurrent loans | 31.0431% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 4.1009% | 839 |
| Noncurrent loans to loans | 4.5739% | 757 |
| Net loans and leases to total assets | 70.3996% | 1,820 |
| Net loans and leases to deposits | 81.1716% | 2,159 |
| Net loans and leases to core deposits | 82.4017% | 2,760 |
| Total domestic deposits to total assets | 86.7294% | 2,986 |
| Equity capital to assets | 12.7081% | 1,466 |
| Core capital (leverage) ratio | 12.5568% | 1,336 |
| Tier 1 risk-based capital ratio | 18.1679% | 2,264 |
| Total risk-based capital ratio | 19.3701% | 2,238 |
| Memoranda: | ||
| Average total assets | $729,937,000 | 917 |
| Average earning assets | $650,318,000 | 929 |
| Average equity | $94,141,000 | 747 |
| Average total loans | $544,135,330 | 766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 2,415 |
| Cost of funding earning assets | 0.3956% | 5,148 |
| Net interest margin | 4.0366% | 1,659 |
| Noninterest income to average assets | 3.6606% | 202 |
| Noninterest expense to average assets | 5.5559% | 260 |
| Loan and lease loss provision to assets | 0.3026% | 1,139 |
| Net operating income to assets | 0.9515% | 2,436 |
| Return on assets (ROA) | 0.9515% | 2,579 |
| Pretax return on assets | 1.3974% | 1,865 |
| Return on Equity (ROE) | 7.3225% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.3225% | 2,018 |
| Net charge-offs to loans | 1.1993% | 487 |
| Credit loss provision to net charge-offs | 33.1314% | 2,849 |
| Earnings coverage of net charge-offs (x) | 1.8613% | 3,218 |
| Efficiency ratio | 76.5554% | 2,835 |
| Assets per employee ($millions) | 2.4824% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,454 |
| Loan loss allowance to noncurrent loans | 21.4074% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 4.8434% | 760 |
| Noncurrent loans to loans | 5.3124% | 702 |
| Net loans and leases to total assets | 74.5767% | 1,002 |
| Net loans and leases to deposits | 86.4006% | 1,306 |
| Net loans and leases to core deposits | 87.7215% | 1,935 |
| Total domestic deposits to total assets | 86.3150% | 3,347 |
| Equity capital to assets | 13.1224% | 1,376 |
| Core capital (leverage) ratio | 12.6994% | 1,249 |
| Tier 1 risk-based capital ratio | 17.8285% | 2,437 |
| Total risk-based capital ratio | 19.0289% | 2,417 |
| Memoranda: | ||
| Average total assets | $723,057,000 | 933 |
| Average earning assets | $644,006,500 | 950 |
| Average equity | $93,956,500 | 764 |
| Average total loans | $550,652,500 | 757 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 2,531 |
| Cost of funding earning assets | 0.5180% | 5,088 |
| Net interest margin | 4.1989% | 1,665 |
| Noninterest income to average assets | 3.2734% | 224 |
| Noninterest expense to average assets | 5.3458% | 299 |
| Loan and lease loss provision to assets | 0.4309% | 1,481 |
| Net operating income to assets | 0.9607% | 2,497 |
| Return on assets (ROA) | 0.9607% | 2,741 |
| Pretax return on assets | 1.2498% | 2,606 |
| Return on Equity (ROE) | 7.7353% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.7353% | 1,220 |
| Net charge-offs to loans | 0.4843% | 2,300 |
| Credit loss provision to net charge-offs | 113.3212% | 2,567 |
| Earnings coverage of net charge-offs (x) | 4.4203% | 3,370 |
| Efficiency ratio | 76.0655% | 2,729 |
| Assets per employee ($millions) | 2.4287% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,574 |
| Loan loss allowance to noncurrent loans | 24.1394% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 4.9113% | 797 |
| Noncurrent loans to loans | 5.4352% | 686 |
| Net loans and leases to total assets | 75.8677% | 932 |
| Net loans and leases to deposits | 87.8101% | 1,297 |
| Net loans and leases to core deposits | 89.1517% | 1,947 |
| Total domestic deposits to total assets | 86.3998% | 3,155 |
| Equity capital to assets | 12.8665% | 1,509 |
| Core capital (leverage) ratio | 12.4366% | 1,348 |
| Tier 1 risk-based capital ratio | 17.3912% | 2,488 |
| Total risk-based capital ratio | 18.5993% | 2,478 |
| Memoranda: | ||
| Average total assets | $724,601,600 | 914 |
| Average earning assets | $647,674,400 | 929 |
| Average equity | $89,990,200 | 776 |
| Average total loans | $568,828,000 | 730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 2,608 |
| Cost of funding earning assets | 0.5470% | 5,108 |
| Net interest margin | 4.1969% | 1,746 |
| Noninterest income to average assets | 3.1091% | 238 |
| Noninterest expense to average assets | 5.1756% | 332 |
| Loan and lease loss provision to assets | 0.3401% | 1,927 |
| Net operating income to assets | 1.0373% | 2,329 |
| Return on assets (ROA) | 1.0373% | 2,548 |
| Pretax return on assets | 1.3476% | 2,420 |
| Return on Equity (ROE) | 8.4281% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.4281% | 1,434 |
| Net charge-offs to loans | 0.4327% | 2,368 |
| Credit loss provision to net charge-offs | 99.6228% | 3,015 |
| Earnings coverage of net charge-offs (x) | 4.9434% | 3,158 |
| Efficiency ratio | 75.3906% | 2,762 |
| Assets per employee ($millions) | 2.4648% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 5,140 |
| Loan loss allowance to noncurrent loans | 22.2948% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 5.0730% | 880 |
| Noncurrent loans to loans | 5.5156% | 780 |
| Net loans and leases to total assets | 75.4743% | 1,047 |
| Net loans and leases to deposits | 86.8614% | 1,501 |
| Net loans and leases to core deposits | 88.3664% | 2,173 |
| Total domestic deposits to total assets | 86.8904% | 2,742 |
| Equity capital to assets | 12.4857% | 1,902 |
| Core capital (leverage) ratio | 12.0454% | 1,630 |
| Tier 1 risk-based capital ratio | 16.8225% | 2,830 |
| Total risk-based capital ratio | 18.0364% | 2,804 |
| Memoranda: | ||
| Average total assets | $724,815,750 | 920 |
| Average earning assets | $648,372,750 | 935 |
| Average equity | $89,207,500 | 785 |
| Average total loans | $571,937,750 | 726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 2,355 |
| Cost of funding earning assets | 0.5767% | 5,103 |
| Net interest margin | 4.2594% | 1,580 |
| Noninterest income to average assets | 3.1150% | 234 |
| Noninterest expense to average assets | 5.1221% | 343 |
| Loan and lease loss provision to assets | 0.3715% | 1,764 |
| Net operating income to assets | 1.1540% | 1,866 |
| Return on assets (ROA) | 1.1540% | 2,077 |
| Pretax return on assets | 1.4332% | 2,076 |
| Return on Equity (ROE) | 9.4232% | 2,605 |
| Retained earnings to average equity (ytd only) | 9.4232% | 1,136 |
| Net charge-offs to loans | 0.5441% | 1,961 |
| Credit loss provision to net charge-offs | 85.6138% | 3,168 |
| Earnings coverage of net charge-offs (x) | 4.1586% | 3,161 |
| Efficiency ratio | 73.9254% | 3,087 |
| Assets per employee ($millions) | 2.4248% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,469 |
| Loan loss allowance to noncurrent loans | 20.0935% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 5.0937% | 930 |
| Noncurrent loans to loans | 5.8360% | 777 |
| Net loans and leases to total assets | 76.9332% | 851 |
| Net loans and leases to deposits | 88.1267% | 1,357 |
| Net loans and leases to core deposits | 89.4941% | 2,033 |
| Total domestic deposits to total assets | 87.2985% | 2,595 |
| Equity capital to assets | 12.2850% | 1,944 |
| Core capital (leverage) ratio | 11.9934% | 1,601 |
| Tier 1 risk-based capital ratio | 16.4867% | 2,925 |
| Total risk-based capital ratio | 17.6955% | 2,908 |
| Memoranda: | ||
| Average total assets | $720,766,000 | 925 |
| Average earning assets | $645,019,670 | 938 |
| Average equity | $88,271,670 | 787 |
| Average total loans | $574,869,000 | 723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 2,280 |
| Cost of funding earning assets | 0.6078% | 5,067 |
| Net interest margin | 4.2835% | 1,524 |
| Noninterest income to average assets | 3.3803% | 201 |
| Noninterest expense to average assets | 5.1247% | 341 |
| Loan and lease loss provision to assets | 0.5268% | 1,139 |
| Net operating income to assets | 1.4183% | 1,188 |
| Return on assets (ROA) | 1.4183% | 1,331 |
| Pretax return on assets | 1.5556% | 1,721 |
| Return on Equity (ROE) | 11.5998% | 1,806 |
| Retained earnings to average equity (ytd only) | 11.5998% | 904 |
| Net charge-offs to loans | 0.1881% | 2,974 |
| Credit loss provision to net charge-offs | 346.8635% | 876 |
| Earnings coverage of net charge-offs (x) | 13.7122% | 1,522 |
| Efficiency ratio | 71.0909% | 3,605 |
| Assets per employee ($millions) | 2.3074% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,921 |
| Loan loss allowance to noncurrent loans | 21.4253% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 5.7329% | 838 |
| Noncurrent loans to loans | 6.1683% | 806 |
| Net loans and leases to total assets | 79.5898% | 448 |
| Net loans and leases to deposits | 91.2661% | 854 |
| Net loans and leases to core deposits | 92.8381% | 1,566 |
| Total domestic deposits to total assets | 87.2063% | 2,822 |
| Equity capital to assets | 12.4299% | 1,770 |
| Core capital (leverage) ratio | 12.0026% | 1,586 |
| Tier 1 risk-based capital ratio | 16.0313% | 3,161 |
| Total risk-based capital ratio | 17.2414% | 3,148 |
| Memoranda: | ||
| Average total assets | $713,791,500 | 933 |
| Average earning assets | $637,709,500 | 947 |
| Average equity | $87,277,500 | 794 |
| Average total loans | $576,330,000 | 718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 2,711 |
| Cost of funding earning assets | 0.8115% | 4,781 |
| Net interest margin | 4.2287% | 1,965 |
| Noninterest income to average assets | 2.5078% | 269 |
| Noninterest expense to average assets | 5.3585% | 284 |
| Loan and lease loss provision to assets | 0.3506% | 2,899 |
| Net operating income to assets | 0.3789% | 4,951 |
| Return on assets (ROA) | 0.4591% | 4,806 |
| Pretax return on assets | 0.7079% | 4,299 |
| Return on Equity (ROE) | 3.9293% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.9293% | 3,411 |
| Net charge-offs to loans | 0.2010% | 4,537 |
| Credit loss provision to net charge-offs | 217.5514% | 1,122 |
| Earnings coverage of net charge-offs (x) | 5.8022% | 2,677 |
| Efficiency ratio | 85.0166% | 1,665 |
| Assets per employee ($millions) | 2.3277% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,387 |
| Loan loss allowance to noncurrent loans | 18.6297% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 5.8443% | 856 |
| Noncurrent loans to loans | 6.4412% | 732 |
| Net loans and leases to total assets | 79.8583% | 513 |
| Net loans and leases to deposits | 91.3759% | 1,027 |
| Net loans and leases to core deposits | 93.0180% | 1,797 |
| Total domestic deposits to total assets | 87.3953% | 2,530 |
| Equity capital to assets | 12.0252% | 2,106 |
| Core capital (leverage) ratio | 11.5485% | 1,849 |
| Tier 1 risk-based capital ratio | 15.5091% | 3,319 |
| Total risk-based capital ratio | 16.7175% | 3,307 |
| Memoranda: | ||
| Average total assets | $724,831,000 | 905 |
| Average earning assets | $648,901,400 | 916 |
| Average equity | $84,697,000 | 793 |
| Average total loans | $581,146,400 | 727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 2,660 |
| Cost of funding earning assets | 0.8539% | 4,742 |
| Net interest margin | 4.2348% | 1,969 |
| Noninterest income to average assets | 2.4082% | 278 |
| Noninterest expense to average assets | 5.3479% | 278 |
| Loan and lease loss provision to assets | 0.2980% | 3,143 |
| Net operating income to assets | 0.3525% | 5,197 |
| Return on assets (ROA) | 0.4575% | 4,928 |
| Pretax return on assets | 0.7178% | 4,406 |
| Return on Equity (ROE) | 3.9436% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.9436% | 3,914 |
| Net charge-offs to loans | 0.2000% | 4,199 |
| Credit loss provision to net charge-offs | 186.2543% | 1,573 |
| Earnings coverage of net charge-offs (x) | 5.3230% | 2,820 |
| Efficiency ratio | 86.1012% | 1,520 |
| Assets per employee ($millions) | 2.3308% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,960 |
| Loan loss allowance to noncurrent loans | 17.3279% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 5.4345% | 1,031 |
| Noncurrent loans to loans | 6.2341% | 873 |
| Net loans and leases to total assets | 78.9637% | 610 |
| Net loans and leases to deposits | 90.4195% | 1,164 |
| Net loans and leases to core deposits | 92.2065% | 1,979 |
| Total domestic deposits to total assets | 87.3303% | 2,455 |
| Equity capital to assets | 11.6368% | 2,552 |
| Core capital (leverage) ratio | 11.1790% | 2,254 |
| Tier 1 risk-based capital ratio | 15.0522% | 3,631 |
| Total risk-based capital ratio | 16.2298% | 3,645 |
| Memoranda: | ||
| Average total assets | $727,391,000 | 905 |
| Average earning assets | $651,257,250 | 917 |
| Average equity | $84,388,500 | 801 |
| Average total loans | $582,035,250 | 731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 2,688 |
| Cost of funding earning assets | 0.8998% | 4,672 |
| Net interest margin | 4.1997% | 2,035 |
| Noninterest income to average assets | 2.9216% | 226 |
| Noninterest expense to average assets | 5.6578% | 244 |
| Loan and lease loss provision to assets | 0.2033% | 3,894 |
| Net operating income to assets | 0.5084% | 4,464 |
| Return on assets (ROA) | 0.6662% | 3,830 |
| Pretax return on assets | 1.0657% | 2,982 |
| Return on Equity (ROE) | 5.7483% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.7483% | 2,569 |
| Net charge-offs to loans | 0.2181% | 3,823 |
| Credit loss provision to net charge-offs | 116.4038% | 2,636 |
| Earnings coverage of net charge-offs (x) | 5.8533% | 2,519 |
| Efficiency ratio | 84.5294% | 1,757 |
| Assets per employee ($millions) | 2.3049% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,439 |
| Loan loss allowance to noncurrent loans | 14.0508% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 6.1570% | 901 |
| Noncurrent loans to loans | 6.9259% | 755 |
| Net loans and leases to total assets | 78.6373% | 693 |
| Net loans and leases to deposits | 90.0456% | 1,265 |
| Net loans and leases to core deposits | 92.1424% | 2,105 |
| Total domestic deposits to total assets | 87.3305% | 2,555 |
| Equity capital to assets | 11.6120% | 2,401 |
| Core capital (leverage) ratio | 11.2277% | 2,094 |
| Tier 1 risk-based capital ratio | 14.9122% | 3,536 |
| Total risk-based capital ratio | 15.9645% | 3,633 |
| Memoranda: | ||
| Average total assets | $725,899,000 | 916 |
| Average earning assets | $649,668,330 | 930 |
| Average equity | $84,129,330 | 802 |
| Average total loans | $581,307,000 | 741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 2,526 |
| Cost of funding earning assets | 0.9362% | 4,677 |
| Net interest margin | 4.1910% | 1,919 |
| Noninterest income to average assets | 3.4337% | 186 |
| Noninterest expense to average assets | 6.0124% | 196 |
| Loan and lease loss provision to assets | 0.1816% | 3,802 |
| Net operating income to assets | 0.5693% | 4,183 |
| Return on assets (ROA) | 0.8865% | 2,701 |
| Pretax return on assets | 1.4857% | 1,487 |
| Return on Equity (ROE) | 7.6567% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.6567% | 1,861 |
| Net charge-offs to loans | 0.2706% | 2,987 |
| Credit loss provision to net charge-offs | 83.4606% | 3,079 |
| Earnings coverage of net charge-offs (x) | 5.3842% | 2,289 |
| Efficiency ratio | 83.5363% | 2,008 |
| Assets per employee ($millions) | 2.2346% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,550 |
| Loan loss allowance to noncurrent loans | 16.1864% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 5.1830% | 1,211 |
| Noncurrent loans to loans | 5.8618% | 1,097 |
| Net loans and leases to total assets | 79.4615% | 567 |
| Net loans and leases to deposits | 91.0306% | 1,117 |
| Net loans and leases to core deposits | 93.4648% | 1,958 |
| Total domestic deposits to total assets | 87.2910% | 2,769 |
| Equity capital to assets | 11.6547% | 2,157 |
| Core capital (leverage) ratio | 11.2599% | 1,995 |
| Tier 1 risk-based capital ratio | 14.8080% | 3,539 |
| Total risk-based capital ratio | 15.8316% | 3,646 |
| Memoranda: | ||
| Average total assets | $722,374,000 | 923 |
| Average earning assets | $646,436,500 | 939 |
| Average equity | $83,639,000 | 797 |
| Average total loans | $580,943,000 | 752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 2,939 |
| Cost of funding earning assets | 1.2349% | 4,324 |
| Net interest margin | 4.1038% | 2,546 |
| Noninterest income to average assets | 2.7355% | 255 |
| Noninterest expense to average assets | 5.4063% | 321 |
| Loan and lease loss provision to assets | 0.4005% | 3,713 |
| Net operating income to assets | 0.4366% | 4,379 |
| Return on assets (ROA) | 0.4366% | 4,534 |
| Pretax return on assets | 0.6062% | 4,302 |
| Return on Equity (ROE) | 3.8335% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,178 |
| Net charge-offs to loans | 0.2116% | 5,021 |
| Credit loss provision to net charge-offs | 238.1546% | 1,219 |
| Earnings coverage of net charge-offs (x) | 5.9859% | 2,474 |
| Efficiency ratio | 84.0934% | 1,908 |
| Assets per employee ($millions) | 2.2383% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 6,561 |
| Loan loss allowance to noncurrent loans | 14.4777% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 5.8569% | 1,034 |
| Noncurrent loans to loans | 6.5878% | 896 |
| Net loans and leases to total assets | 79.8508% | 681 |
| Net loans and leases to deposits | 91.3669% | 1,342 |
| Net loans and leases to core deposits | 93.7713% | 2,287 |
| Total domestic deposits to total assets | 87.3957% | 2,613 |
| Equity capital to assets | 11.5021% | 2,258 |
| Core capital (leverage) ratio | 10.9675% | 2,187 |
| Tier 1 risk-based capital ratio | 14.4615% | 3,571 |
| Total risk-based capital ratio | 15.5669% | 3,620 |
| Memoranda: | ||
| Average total assets | $715,328,200 | 933 |
| Average earning assets | $641,008,400 | 944 |
| Average equity | $81,467,000 | 808 |
| Average total loans | $568,410,600 | 792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 3,456 |
| Cost of funding earning assets | 1.2928% | 4,266 |
| Net interest margin | 3.9856% | 3,167 |
| Noninterest income to average assets | 2.6376% | 258 |
| Noninterest expense to average assets | 5.3848% | 290 |
| Loan and lease loss provision to assets | 0.2564% | 4,532 |
| Net operating income to assets | 0.4115% | 4,697 |
| Return on assets (ROA) | 0.4115% | 4,875 |
| Pretax return on assets | 0.5680% | 4,697 |
| Return on Equity (ROE) | 3.6226% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.6226% | 3,896 |
| Net charge-offs to loans | 0.2247% | 4,588 |
| Credit loss provision to net charge-offs | 144.1176% | 2,728 |
| Earnings coverage of net charge-offs (x) | 4.6334% | 2,970 |
| Efficiency ratio | 86.4977% | 1,580 |
| Assets per employee ($millions) | 2.2610% | 7,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,082 |
| Loan loss allowance to noncurrent loans | 10.8497% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 6.1988% | 951 |
| Noncurrent loans to loans | 7.0134% | 802 |
| Net loans and leases to total assets | 77.3157% | 1,159 |
| Net loans and leases to deposits | 88.7789% | 1,891 |
| Net loans and leases to core deposits | 90.8337% | 2,980 |
| Total domestic deposits to total assets | 87.0879% | 2,476 |
| Equity capital to assets | 11.3018% | 2,702 |
| Core capital (leverage) ratio | 10.6199% | 2,581 |
| Tier 1 risk-based capital ratio | 14.2776% | 3,647 |
| Total risk-based capital ratio | 15.1502% | 3,885 |
| Memoranda: | ||
| Average total assets | $713,419,750 | 939 |
| Average earning assets | $639,311,750 | 953 |
| Average equity | $81,044,750 | 813 |
| Average total loans | $564,800,750 | 802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 3,638 |
| Cost of funding earning assets | 1.3147% | 4,446 |
| Net interest margin | 3.9476% | 3,247 |
| Noninterest income to average assets | 2.7637% | 237 |
| Noninterest expense to average assets | 5.5759% | 264 |
| Loan and lease loss provision to assets | 0.2600% | 4,331 |
| Net operating income to assets | 0.3446% | 4,993 |
| Return on assets (ROA) | 0.3446% | 5,162 |
| Pretax return on assets | 0.4672% | 5,011 |
| Return on Equity (ROE) | 3.0285% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.0285% | 4,186 |
| Net charge-offs to loans | 0.2521% | 4,084 |
| Credit loss provision to net charge-offs | 129.5359% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.6231% | 3,238 |
| Efficiency ratio | 88.2266% | 1,488 |
| Assets per employee ($millions) | 2.2648% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 7,192 |
| Loan loss allowance to noncurrent loans | 10.7710% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 5.9818% | 986 |
| Noncurrent loans to loans | 6.7527% | 864 |
| Net loans and leases to total assets | 76.8663% | 1,314 |
| Net loans and leases to deposits | 88.1485% | 2,149 |
| Net loans and leases to core deposits | 90.1641% | 3,231 |
| Total domestic deposits to total assets | 87.2010% | 2,430 |
| Equity capital to assets | 11.1091% | 2,764 |
| Core capital (leverage) ratio | 10.9358% | 2,289 |
| Tier 1 risk-based capital ratio | 14.5828% | 3,394 |
| Total risk-based capital ratio | 15.4079% | 3,587 |
| Memoranda: | ||
| Average total assets | $708,548,670 | 948 |
| Average earning assets | $635,266,000 | 962 |
| Average equity | $80,632,670 | 811 |
| Average total loans | $564,001,000 | 811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 3,261 |
| Cost of funding earning assets | 1.3376% | 4,581 |
| Net interest margin | 4.0191% | 2,793 |
| Noninterest income to average assets | 2.8015% | 227 |
| Noninterest expense to average assets | 5.2496% | 306 |
| Loan and lease loss provision to assets | 0.3804% | 3,083 |
| Net operating income to assets | 0.5299% | 4,233 |
| Return on assets (ROA) | 0.5299% | 4,373 |
| Pretax return on assets | 0.7797% | 3,951 |
| Return on Equity (ROE) | 4.5996% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.5996% | 3,384 |
| Net charge-offs to loans | 0.2860% | 3,263 |
| Credit loss provision to net charge-offs | 164.7643% | 2,205 |
| Earnings coverage of net charge-offs (x) | 5.0248% | 2,487 |
| Efficiency ratio | 81.6679% | 2,321 |
| Assets per employee ($millions) | 2.1212% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 7,275 |
| Loan loss allowance to noncurrent loans | 11.5004% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 5.4283% | 1,143 |
| Noncurrent loans to loans | 6.4215% | 976 |
| Net loans and leases to total assets | 80.8397% | 734 |
| Net loans and leases to deposits | 93.5427% | 1,399 |
| Net loans and leases to core deposits | 95.4887% | 2,641 |
| Total domestic deposits to total assets | 86.4201% | 2,934 |
| Equity capital to assets | 11.6680% | 2,250 |
| Core capital (leverage) ratio | 11.3363% | 2,012 |
| Tier 1 risk-based capital ratio | 14.6791% | 3,267 |
| Total risk-based capital ratio | 15.5337% | 3,462 |
| Memoranda: | ||
| Average total assets | $698,190,000 | 982 |
| Average earning assets | $626,808,500 | 998 |
| Average equity | $80,441,500 | 821 |
| Average total loans | $563,668,000 | 832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 2,114 |
| Cost of funding earning assets | 1.7561% | 4,220 |
| Net interest margin | 4.1772% | 2,144 |
| Noninterest income to average assets | 2.9721% | 232 |
| Noninterest expense to average assets | 5.7865% | 341 |
| Loan and lease loss provision to assets | 0.1979% | 5,756 |
| Net operating income to assets | 0.4865% | 3,786 |
| Return on assets (ROA) | 0.4865% | 3,885 |
| Pretax return on assets | 0.6777% | 3,654 |
| Return on Equity (ROE) | 4.3770% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.3770% | 2,181 |
| Net charge-offs to loans | 0.1609% | 5,665 |
| Credit loss provision to net charge-offs | 154.5354% | 2,953 |
| Earnings coverage of net charge-offs (x) | 6.8385% | 2,278 |
| Efficiency ratio | 86.5085% | 2,055 |
| Assets per employee ($millions) | 2.1622% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 7,394 |
| Loan loss allowance to noncurrent loans | 10.0724% | 7,367 |
| Noncurrent assets plus other real estate owned to assets | 5.6915% | 1,017 |
| Noncurrent loans to loans | 6.8579% | 834 |
| Net loans and leases to total assets | 79.4850% | 1,093 |
| Net loans and leases to deposits | 94.8557% | 1,487 |
| Net loans and leases to core deposits | 110.3578% | 2,856 |
| Total domestic deposits to total assets | 83.7957% | 4,128 |
| Equity capital to assets | 11.3777% | 2,414 |
| Core capital (leverage) ratio | 11.0965% | 2,180 |
| Tier 1 risk-based capital ratio | 14.7327% | 3,087 |
| Total risk-based capital ratio | 15.5290% | 3,278 |
| Memoranda: | ||
| Average total assets | $706,039,000 | 970 |
| Average earning assets | $623,701,200 | 1,002 |
| Average equity | $78,478,600 | 823 |
| Average total loans | $561,796,400 | 854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 1,776 |
| Cost of funding earning assets | 1.8685% | 4,055 |
| Net interest margin | 4.1969% | 2,071 |
| Noninterest income to average assets | 3.0978% | 216 |
| Noninterest expense to average assets | 5.5467% | 369 |
| Loan and lease loss provision to assets | 0.2265% | 5,159 |
| Net operating income to assets | 0.7098% | 3,168 |
| Return on assets (ROA) | 0.7098% | 3,237 |
| Pretax return on assets | 1.0169% | 2,850 |
| Return on Equity (ROE) | 6.4232% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.4232% | 1,751 |
| Net charge-offs to loans | 0.2678% | 4,368 |
| Credit loss provision to net charge-offs | 106.4774% | 4,776 |
| Earnings coverage of net charge-offs (x) | 5.8447% | 2,719 |
| Efficiency ratio | 81.3127% | 2,678 |
| Assets per employee ($millions) | 2.1667% | 7,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 7,532 |
| Loan loss allowance to noncurrent loans | 9.0441% | 7,469 |
| Noncurrent assets plus other real estate owned to assets | 5.7122% | 975 |
| Noncurrent loans to loans | 6.9333% | 780 |
| Net loans and leases to total assets | 78.0113% | 1,567 |
| Net loans and leases to deposits | 93.2872% | 2,002 |
| Net loans and leases to core deposits | 108.8661% | 3,363 |
| Total domestic deposits to total assets | 83.6248% | 3,891 |
| Equity capital to assets | 11.3672% | 2,699 |
| Core capital (leverage) ratio | 10.7730% | 2,581 |
| Tier 1 risk-based capital ratio | 15.1808% | 2,963 |
| Total risk-based capital ratio | 15.8967% | 3,151 |
| Memoranda: | ||
| Average total assets | $706,330,500 | 976 |
| Average earning assets | $621,388,750 | 1,020 |
| Average equity | $78,048,750 | 838 |
| Average total loans | $561,204,250 | 870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1473% | 1,627 |
| Cost of funding earning assets | 1.9519% | 3,994 |
| Net interest margin | 4.1954% | 2,018 |
| Noninterest income to average assets | 3.3650% | 187 |
| Noninterest expense to average assets | 5.3267% | 421 |
| Loan and lease loss provision to assets | 0.2837% | 4,302 |
| Net operating income to assets | 0.9803% | 2,176 |
| Return on assets (ROA) | 0.9803% | 2,270 |
| Pretax return on assets | 1.4755% | 1,513 |
| Return on Equity (ROE) | 8.9571% | 2,371 |
| Retained earnings to average equity (ytd only) | 8.9571% | 951 |
| Net charge-offs to loans | 0.3809% | 3,297 |
| Credit loss provision to net charge-offs | 93.3830% | 4,818 |
| Earnings coverage of net charge-offs (x) | 5.7903% | 2,760 |
| Efficiency ratio | 74.8052% | 3,907 |
| Assets per employee ($millions) | 2.2057% | 7,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 7,664 |
| Loan loss allowance to noncurrent loans | 10.2862% | 7,491 |
| Noncurrent assets plus other real estate owned to assets | 5.1985% | 993 |
| Noncurrent loans to loans | 5.6730% | 1,003 |
| Net loans and leases to total assets | 78.9473% | 1,536 |
| Net loans and leases to deposits | 96.4341% | 1,726 |
| Net loans and leases to core deposits | 112.8034% | 3,040 |
| Total domestic deposits to total assets | 81.8666% | 4,747 |
| Equity capital to assets | 11.0391% | 2,880 |
| Core capital (leverage) ratio | 10.8630% | 2,519 |
| Tier 1 risk-based capital ratio | 14.6833% | 3,157 |
| Total risk-based capital ratio | 15.3258% | 3,412 |
| Memoranda: | ||
| Average total assets | $706,330,670 | 994 |
| Average earning assets | $626,452,330 | 1,031 |
| Average equity | $77,301,670 | 856 |
| Average total loans | $563,441,000 | 890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1506% | 1,760 |
| Cost of funding earning assets | 2.1008% | 3,642 |
| Net interest margin | 4.0498% | 2,455 |
| Noninterest income to average assets | 2.5127% | 250 |
| Noninterest expense to average assets | 5.0619% | 463 |
| Loan and lease loss provision to assets | 0.1189% | 5,445 |
| Net operating income to assets | 0.6417% | 3,830 |
| Return on assets (ROA) | 0.6417% | 4,012 |
| Pretax return on assets | 0.9572% | 3,509 |
| Return on Equity (ROE) | 5.8901% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,681 |
| Net charge-offs to loans | 0.0214% | 5,257 |
| Credit loss provision to net charge-offs | 693.3333% | 853 |
| Earnings coverage of net charge-offs (x) | 62.7667% | 627 |
| Efficiency ratio | 82.0408% | 2,528 |
| Assets per employee ($millions) | 2.1596% | 7,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6316% | 7,605 |
| Loan loss allowance to noncurrent loans | 13.7415% | 7,440 |
| Noncurrent assets plus other real estate owned to assets | 3.8610% | 1,363 |
| Noncurrent loans to loans | 4.5966% | 1,235 |
| Net loans and leases to total assets | 80.0392% | 1,382 |
| Net loans and leases to deposits | 100.5128% | 1,341 |
| Net loans and leases to core deposits | 118.4785% | 2,551 |
| Total domestic deposits to total assets | 79.6308% | 5,495 |
| Equity capital to assets | 10.8852% | 3,090 |
| Core capital (leverage) ratio | 10.5633% | 2,854 |
| Tier 1 risk-based capital ratio | 14.8261% | 3,146 |
| Total risk-based capital ratio | 15.5501% | 3,355 |
| Memoranda: | ||
| Average total assets | $699,969,500 | 1,008 |
| Average earning assets | $626,605,000 | 1,026 |
| Average equity | $76,264,000 | 872 |
| Average total loans | $559,659,000 | 901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3854% | 3,492 |
| Cost of funding earning assets | 2.4818% | 4,304 |
| Net interest margin | 3.9036% | 3,539 |
| Noninterest income to average assets | 2.2768% | 287 |
| Noninterest expense to average assets | 5.2423% | 564 |
| Loan and lease loss provision to assets | 0.0033% | 7,310 |
| Net operating income to assets | 0.3612% | 5,309 |
| Return on assets (ROA) | -0.7896% | 7,031 |
| Pretax return on assets | -1.0421% | 7,025 |
| Return on Equity (ROE) | -6.6470% | 7,014 |
| Retained earnings to average equity (ytd only) | -6.6470% | 6,747 |
| Net charge-offs to loans | 0.0385% | 6,251 |
| Credit loss provision to net charge-offs | 10.9453% | 6,621 |
| Earnings coverage of net charge-offs (x) | 17.1443% | 1,794 |
| Efficiency ratio | 90.3877% | 1,481 |
| Assets per employee ($millions) | 2.1478% | 7,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 7,652 |
| Loan loss allowance to noncurrent loans | 12.8217% | 7,457 |
| Noncurrent assets plus other real estate owned to assets | 3.9391% | 1,056 |
| Noncurrent loans to loans | 4.8062% | 946 |
| Net loans and leases to total assets | 78.8656% | 1,920 |
| Net loans and leases to deposits | 101.1281% | 1,689 |
| Net loans and leases to core deposits | 119.1902% | 2,773 |
| Total domestic deposits to total assets | 77.9859% | 5,720 |
| Equity capital to assets | 10.9055% | 3,115 |
| Core capital (leverage) ratio | 10.6164% | 2,888 |
| Tier 1 risk-based capital ratio | 14.5450% | 3,273 |
| Total risk-based capital ratio | 15.2217% | 3,481 |
| Memoranda: | ||
| Average total assets | $659,992,600 | 1,015 |
| Average earning assets | $589,659,600 | 1,046 |
| Average equity | $78,396,800 | 850 |
| Average total loans | $522,112,200 | 906 |