Home > Walden Savings Bank > Performance and Condition Ratios
Walden 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 | 4.2990% | 3,444 |
| Cost of funding earning assets | 0.8527% | 3,610 |
| Net interest margin | 3.4463% | 2,312 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.8437% | 1,405 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7803% | 2,935 |
| Return on assets (ROA) | 0.7803% | 2,916 |
| Pretax return on assets | 0.9672% | 2,759 |
| Return on Equity (ROE) | 11.2800% | 2,153 |
| Retained earnings to average equity (ytd only) | 11.2845% | 733 |
| Net charge-offs to loans | 0.0158% | 2,075 |
| Credit loss provision to net charge-offs | 682.2222% | 540 |
| Earnings coverage of net charge-offs (x) | 103.6667% | 887 |
| Efficiency ratio | 72.2602% | 1,637 |
| Assets per employee ($millions) | 6.3479% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 2,772 |
| Loan loss allowance to noncurrent loans | 255.1581% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 1,742 |
| Noncurrent loans to loans | 0.4362% | 1,691 |
| Net loans and leases to total assets | 68.7300% | 1,954 |
| Net loans and leases to deposits | 80.1232% | 2,097 |
| Net loans and leases to core deposits | 84.6836% | 2,405 |
| Total domestic deposits to total assets | 85.7800% | 2,078 |
| Equity capital to assets | 7.4756% | 3,734 |
| Core capital (leverage) ratio | 9.2182% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8570% | 1,304 |
| Memoranda: | ||
| Average total assets | $854,658,800 | 1,127 |
| Average earning assets | $798,327,000 | 1,108 |
| Average equity | $59,098,600 | 1,407 |
| Average total loans | $570,694,000 | 1,118 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 3,428 |
| Cost of funding earning assets | 0.7474% | 3,655 |
| Net interest margin | 3.4775% | 2,263 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.8678% | 1,289 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7895% | 3,054 |
| Return on assets (ROA) | 0.7895% | 3,054 |
| Pretax return on assets | 0.9783% | 2,916 |
| Return on Equity (ROE) | 11.6600% | 2,209 |
| Retained earnings to average equity (ytd only) | 11.6609% | 1,030 |
| Net charge-offs to loans | -0.0093% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2170% | 1,543 |
| Assets per employee ($millions) | 6.1201% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,744 |
| Loan loss allowance to noncurrent loans | 226.2834% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 1,675 |
| Noncurrent loans to loans | 0.4967% | 1,574 |
| Net loans and leases to total assets | 67.4000% | 2,121 |
| Net loans and leases to deposits | 76.2463% | 2,390 |
| Net loans and leases to core deposits | 79.4287% | 2,642 |
| Total domestic deposits to total assets | 88.4000% | 1,445 |
| Equity capital to assets | 6.6415% | 3,778 |
| Core capital (leverage) ratio | 9.1426% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0913% | 1,300 |
| Memoranda: | ||
| Average total assets | $849,320,500 | 1,135 |
| Average earning assets | $793,355,000 | 1,112 |
| Average equity | $57,501,500 | 1,423 |
| Average total loans | $561,152,000 | 1,131 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,478 |
| Cost of funding earning assets | 0.6710% | 3,564 |
| Net interest margin | 3.4352% | 2,434 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.9118% | 1,191 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.7102% | 3,325 |
| Return on assets (ROA) | 0.7102% | 3,325 |
| Pretax return on assets | 0.8795% | 3,219 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 10.4231% | 1,303 |
| Net charge-offs to loans | -0.0112% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1708% | 1,329 |
| Assets per employee ($millions) | 6.1214% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,664 |
| Loan loss allowance to noncurrent loans | 253.6995% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,694 |
| Noncurrent loans to loans | 0.4568% | 1,571 |
| Net loans and leases to total assets | 66.2000% | 2,134 |
| Net loans and leases to deposits | 74.7475% | 2,423 |
| Net loans and leases to core deposits | 76.9823% | 2,691 |
| Total domestic deposits to total assets | 88.5600% | 1,393 |
| Equity capital to assets | 6.8410% | 3,875 |
| Core capital (leverage) ratio | 9.0074% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0943% | 1,300 |
| Memoranda: | ||
| Average total assets | $844,781,333 | 1,133 |
| Average earning assets | $789,236,667 | 1,108 |
| Average equity | $57,564,667 | 1,428 |
| Average total loans | $552,120,333 | 1,131 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,393 |
| Cost of funding earning assets | 0.5498% | 3,534 |
| Net interest margin | 3.4803% | 2,418 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.9909% | 1,076 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.6520% | 3,580 |
| Return on assets (ROA) | 0.6520% | 3,538 |
| Pretax return on assets | 0.8065% | 3,449 |
| Return on Equity (ROE) | 9.5900% | 2,900 |
| Retained earnings to average equity (ytd only) | 9.5873% | 1,798 |
| Net charge-offs to loans | -0.0155% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.1506% | 1,154 |
| Assets per employee ($millions) | 6.0200% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,829 |
| Loan loss allowance to noncurrent loans | 244.2093% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,632 |
| Noncurrent loans to loans | 0.4695% | 1,543 |
| Net loans and leases to total assets | 64.4700% | 2,205 |
| Net loans and leases to deposits | 72.5389% | 2,422 |
| Net loans and leases to core deposits | 74.3258% | 2,650 |
| Total domestic deposits to total assets | 88.8800% | 1,590 |
| Equity capital to assets | 6.9562% | 3,850 |
| Core capital (leverage) ratio | 8.9275% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1279% | 1,347 |
| Memoranda: | ||
| Average total assets | $838,676,500 | 1,151 |
| Average earning assets | $782,799,500 | 1,139 |
| Average equity | $57,033,500 | 1,452 |
| Average total loans | $541,202,000 | 1,159 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 3,732 |
| Cost of funding earning assets | 0.0902% | 4,428 |
| Net interest margin | 3.1539% | 3,009 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.7650% | 1,401 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7122% | 3,578 |
| Return on assets (ROA) | 0.7185% | 3,512 |
| Pretax return on assets | 0.8682% | 3,435 |
| Return on Equity (ROE) | 10.2600% | 2,730 |
| Retained earnings to average equity (ytd only) | 10.2554% | 1,078 |
| Net charge-offs to loans | -0.0358% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.4626% | 1,074 |
| Assets per employee ($millions) | 5.6363% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,675 |
| Loan loss allowance to noncurrent loans | 957.7532% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 2,974 |
| Noncurrent loans to loans | 0.1195% | 2,924 |
| Net loans and leases to total assets | 63.0900% | 2,321 |
| Net loans and leases to deposits | 69.2448% | 2,646 |
| Net loans and leases to core deposits | 69.8419% | 2,886 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 6.6408% | 3,840 |
| Core capital (leverage) ratio | 8.8863% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3315% | 1,282 |
| Memoranda: | ||
| Average total assets | $830,310,800 | 1,156 |
| Average earning assets | $774,182,800 | 1,143 |
| Average equity | $58,174,000 | 1,438 |
| Average total loans | $485,961,800 | 1,202 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0451% | 3,802 |
| Cost of funding earning assets | 0.0709% | 4,474 |
| Net interest margin | 2.9743% | 3,286 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.7435% | 1,370 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6248% | 3,768 |
| Return on assets (ROA) | 0.6248% | 3,721 |
| Pretax return on assets | 0.7465% | 3,705 |
| Return on Equity (ROE) | 8.8000% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.8032% | 1,725 |
| Net charge-offs to loans | -0.0233% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.2513% | 896 |
| Assets per employee ($millions) | 6.0128% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,801 |
| Loan loss allowance to noncurrent loans | 802.0950% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,991 |
| Noncurrent loans to loans | 0.1432% | 2,904 |
| Net loans and leases to total assets | 59.1500% | 2,589 |
| Net loans and leases to deposits | 63.5182% | 2,899 |
| Net loans and leases to core deposits | 63.9878% | 3,118 |
| Total domestic deposits to total assets | 93.1200% | 554 |
| Equity capital to assets | 6.0552% | 3,945 |
| Core capital (leverage) ratio | 8.5469% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4828% | 1,286 |
| Memoranda: | ||
| Average total assets | $830,756,000 | 1,163 |
| Average earning assets | $775,210,000 | 1,151 |
| Average equity | $58,962,250 | 1,439 |
| Average total loans | $475,256,250 | 1,221 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 3,865 |
| Cost of funding earning assets | 0.0689% | 4,466 |
| Net interest margin | 2.7956% | 3,460 |
| Noninterest income to average assets | 0.7514% | 1,170 |
| Noninterest expense to average assets | 2.7635% | 1,238 |
| Loan and lease loss provision to assets | -0.0200% | 4,428 |
| Net operating income to assets | 0.5324% | 3,816 |
| Return on assets (ROA) | 0.5324% | 3,768 |
| Pretax return on assets | 0.6214% | 3,772 |
| Return on Equity (ROE) | 7.1485% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.1485% | 1,936 |
| Net charge-offs to loans | -0.0261% | 3,995 |
| Credit loss provision to net charge-offs | 136.0656% | 1,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1278% | 790 |
| Assets per employee ($millions) | 5.9941% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,836 |
| Loan loss allowance to noncurrent loans | 694.1103% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,976 |
| Noncurrent loans to loans | 0.1689% | 2,849 |
| Net loans and leases to total assets | 56.0534% | 2,748 |
| Net loans and leases to deposits | 60.6123% | 3,012 |
| Net loans and leases to core deposits | 61.0848% | 3,191 |
| Total domestic deposits to total assets | 92.4786% | 660 |
| Equity capital to assets | 6.8051% | 3,870 |
| Core capital (leverage) ratio | 8.5210% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8092% | 1,222 |
| Memoranda: | ||
| Average total assets | $829,083,333 | 1,158 |
| Average earning assets | $775,082,000 | 1,162 |
| Average equity | $61,747,000 | 1,410 |
| Average total loans | $466,973,333 | 1,229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7618% | 3,818 |
| Cost of funding earning assets | 0.0687% | 4,464 |
| Net interest margin | 2.6931% | 3,420 |
| Noninterest income to average assets | 0.8648% | 902 |
| Noninterest expense to average assets | 2.9677% | 860 |
| Loan and lease loss provision to assets | -0.0019% | 4,395 |
| Net operating income to assets | 0.3956% | 3,961 |
| Return on assets (ROA) | 0.3956% | 3,928 |
| Pretax return on assets | 0.4188% | 4,005 |
| Return on Equity (ROE) | 5.0909% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.0909% | 2,557 |
| Net charge-offs to loans | -0.0060% | 3,401 |
| Credit loss provision to net charge-offs | 57.1429% | 1,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6822% | 650 |
| Assets per employee ($millions) | 5.9494% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,849 |
| Loan loss allowance to noncurrent loans | 579.4792% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,974 |
| Noncurrent loans to loans | 0.2074% | 2,784 |
| Net loans and leases to total assets | 54.8932% | 2,644 |
| Net loans and leases to deposits | 59.6046% | 2,938 |
| Net loans and leases to core deposits | 60.1402% | 3,132 |
| Total domestic deposits to total assets | 92.0957% | 541 |
| Equity capital to assets | 7.2456% | 4,078 |
| Core capital (leverage) ratio | 8.5621% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9991% | 1,252 |
| Memoranda: | ||
| Average total assets | $827,033,000 | 1,163 |
| Average earning assets | $773,835,500 | 1,165 |
| Average equity | $64,271,000 | 1,412 |
| Average total loans | $464,176,500 | 1,229 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9187% | 4,022 |
| Cost of funding earning assets | 0.1045% | 4,354 |
| Net interest margin | 2.8142% | 3,627 |
| Noninterest income to average assets | 0.7928% | 1,462 |
| Noninterest expense to average assets | 2.6642% | 1,728 |
| Loan and lease loss provision to assets | -0.0281% | 4,264 |
| Net operating income to assets | 0.6359% | 3,784 |
| Return on assets (ROA) | 0.6693% | 3,751 |
| Pretax return on assets | 0.8366% | 3,653 |
| Return on Equity (ROE) | 7.8791% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.8791% | 1,590 |
| Net charge-offs to loans | -0.0460% | 4,290 |
| Credit loss provision to net charge-offs | 105.2133% | 1,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6522% | 977 |
| Assets per employee ($millions) | 5.6631% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,914 |
| Loan loss allowance to noncurrent loans | 681.3725% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 3,151 |
| Noncurrent loans to loans | 0.1753% | 3,074 |
| Net loans and leases to total assets | 56.0209% | 2,609 |
| Net loans and leases to deposits | 61.6018% | 2,928 |
| Net loans and leases to core deposits | 62.1436% | 3,151 |
| Total domestic deposits to total assets | 90.9403% | 516 |
| Equity capital to assets | 8.3044% | 4,176 |
| Core capital (leverage) ratio | 8.5973% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9878% | 1,266 |
| Memoranda: | ||
| Average total assets | $789,052,800 | 1,177 |
| Average earning assets | $739,690,200 | 1,166 |
| Average equity | $67,025,000 | 1,394 |
| Average total loans | $458,670,400 | 1,244 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9416% | 4,099 |
| Cost of funding earning assets | 0.1153% | 4,387 |
| Net interest margin | 2.8264% | 3,715 |
| Noninterest income to average assets | 0.8454% | 1,393 |
| Noninterest expense to average assets | 2.6720% | 1,656 |
| Loan and lease loss provision to assets | -0.0205% | 4,359 |
| Net operating income to assets | 0.6724% | 3,834 |
| Return on assets (ROA) | 0.7173% | 3,789 |
| Pretax return on assets | 0.9000% | 3,693 |
| Return on Equity (ROE) | 8.3954% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.3954% | 1,914 |
| Net charge-offs to loans | -0.0467% | 4,329 |
| Credit loss provision to net charge-offs | 75.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4444% | 1,010 |
| Assets per employee ($millions) | 5.5300% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,910 |
| Loan loss allowance to noncurrent loans | 573.7219% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,229 |
| Noncurrent loans to loans | 0.2121% | 3,105 |
| Net loans and leases to total assets | 56.0366% | 2,723 |
| Net loans and leases to deposits | 61.7298% | 3,065 |
| Net loans and leases to core deposits | 62.2789% | 3,290 |
| Total domestic deposits to total assets | 90.7772% | 443 |
| Equity capital to assets | 8.3711% | 4,293 |
| Core capital (leverage) ratio | 8.4790% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7513% | 1,409 |
| Memoranda: | ||
| Average total assets | $781,028,250 | 1,193 |
| Average earning assets | $732,273,000 | 1,187 |
| Average equity | $66,733,250 | 1,411 |
| Average total loans | $456,944,000 | 1,267 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9782% | 4,081 |
| Cost of funding earning assets | 0.1301% | 4,350 |
| Net interest margin | 2.8480% | 3,682 |
| Noninterest income to average assets | 0.9208% | 1,213 |
| Noninterest expense to average assets | 2.7144% | 1,556 |
| Loan and lease loss provision to assets | 0.0400% | 2,205 |
| Net operating income to assets | 0.6682% | 3,836 |
| Return on assets (ROA) | 0.7365% | 3,738 |
| Pretax return on assets | 0.9226% | 3,609 |
| Return on Equity (ROE) | 8.5588% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.5588% | 1,872 |
| Net charge-offs to loans | -0.0623% | 4,457 |
| Credit loss provision to net charge-offs | -108.4507% | 3,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5764% | 1,124 |
| Assets per employee ($millions) | 5.6835% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,469 |
| Loan loss allowance to noncurrent loans | 538.7511% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 3,298 |
| Noncurrent loans to loans | 0.2402% | 3,085 |
| Net loans and leases to total assets | 55.8486% | 2,919 |
| Net loans and leases to deposits | 61.5033% | 3,249 |
| Net loans and leases to core deposits | 62.1302% | 3,448 |
| Total domestic deposits to total assets | 90.8057% | 436 |
| Equity capital to assets | 8.4065% | 4,276 |
| Core capital (leverage) ratio | 8.5543% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9491% | 1,348 |
| Memoranda: | ||
| Average total assets | $770,400,333 | 1,200 |
| Average earning assets | $722,461,667 | 1,197 |
| Average equity | $66,294,333 | 1,411 |
| Average total loans | $455,545,667 | 1,276 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 4,121 |
| Cost of funding earning assets | 0.1420% | 4,367 |
| Net interest margin | 2.8410% | 3,667 |
| Noninterest income to average assets | 0.8854% | 1,370 |
| Noninterest expense to average assets | 2.8231% | 1,319 |
| Loan and lease loss provision to assets | 0.0641% | 1,858 |
| Net operating income to assets | 0.5313% | 4,114 |
| Return on assets (ROA) | 0.5781% | 4,050 |
| Pretax return on assets | 0.7164% | 3,985 |
| Return on Equity (ROE) | 6.6365% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.6365% | 2,685 |
| Net charge-offs to loans | -0.1078% | 4,659 |
| Credit loss provision to net charge-offs | -98.3740% | 2,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6175% | 845 |
| Assets per employee ($millions) | 5.5670% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,559 |
| Loan loss allowance to noncurrent loans | 518.7333% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,405 |
| Noncurrent loans to loans | 0.2457% | 3,215 |
| Net loans and leases to total assets | 58.2001% | 2,781 |
| Net loans and leases to deposits | 64.0695% | 3,120 |
| Net loans and leases to core deposits | 65.1529% | 3,303 |
| Total domestic deposits to total assets | 90.8390% | 454 |
| Equity capital to assets | 8.4390% | 4,164 |
| Core capital (leverage) ratio | 8.8272% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6579% | 1,396 |
| Memoranda: | ||
| Average total assets | $754,916,000 | 1,207 |
| Average earning assets | $706,936,000 | 1,200 |
| Average equity | $65,758,000 | 1,417 |
| Average total loans | $456,608,500 | 1,274 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 4,226 |
| Cost of funding earning assets | 0.2367% | 4,430 |
| Net interest margin | 3.1405% | 3,520 |
| Noninterest income to average assets | 0.9077% | 1,246 |
| Noninterest expense to average assets | 2.9272% | 1,609 |
| Loan and lease loss provision to assets | 0.1945% | 2,011 |
| Net operating income to assets | 0.5796% | 3,816 |
| Return on assets (ROA) | 0.6575% | 3,693 |
| Pretax return on assets | 0.8197% | 3,582 |
| Return on Equity (ROE) | 6.9332% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.9332% | 1,419 |
| Net charge-offs to loans | 0.1057% | 1,411 |
| Credit loss provision to net charge-offs | 267.1458% | 1,858 |
| Earnings coverage of net charge-offs (x) | 12.5914% | 2,326 |
| Efficiency ratio | 76.1475% | 1,208 |
| Assets per employee ($millions) | 5.4520% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,847 |
| Loan loss allowance to noncurrent loans | 409.9338% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 3,317 |
| Noncurrent loans to loans | 0.2973% | 3,134 |
| Net loans and leases to total assets | 61.3396% | 2,684 |
| Net loans and leases to deposits | 68.0427% | 3,071 |
| Net loans and leases to core deposits | 69.3680% | 3,296 |
| Total domestic deposits to total assets | 90.1486% | 506 |
| Equity capital to assets | 8.9963% | 4,056 |
| Core capital (leverage) ratio | 9.0381% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9618% | 1,271 |
| Memoranda: | ||
| Average total assets | $668,757,600 | 1,220 |
| Average earning assets | $625,308,600 | 1,219 |
| Average equity | $63,419,400 | 1,387 |
| Average total loans | $460,728,800 | 1,204 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 4,262 |
| Cost of funding earning assets | 0.2607% | 4,471 |
| Net interest margin | 3.2071% | 3,472 |
| Noninterest income to average assets | 0.8794% | 1,283 |
| Noninterest expense to average assets | 2.9223% | 1,642 |
| Loan and lease loss provision to assets | 0.2753% | 1,457 |
| Net operating income to assets | 0.5463% | 3,916 |
| Return on assets (ROA) | 0.6528% | 3,720 |
| Pretax return on assets | 0.8140% | 3,608 |
| Return on Equity (ROE) | 6.7855% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.7855% | 1,783 |
| Net charge-offs to loans | 0.1479% | 994 |
| Credit loss provision to net charge-offs | 262.8906% | 1,882 |
| Earnings coverage of net charge-offs (x) | 9.1309% | 2,449 |
| Efficiency ratio | 75.3480% | 1,266 |
| Assets per employee ($millions) | 5.2222% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,509 |
| Loan loss allowance to noncurrent loans | 388.2639% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,397 |
| Noncurrent loans to loans | 0.3165% | 3,152 |
| Net loans and leases to total assets | 62.8196% | 2,905 |
| Net loans and leases to deposits | 69.8325% | 3,325 |
| Net loans and leases to core deposits | 71.2385% | 3,541 |
| Total domestic deposits to total assets | 89.9576% | 439 |
| Equity capital to assets | 9.0485% | 4,080 |
| Core capital (leverage) ratio | 8.9596% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9347% | 1,263 |
| Memoranda: | ||
| Average total assets | $651,943,000 | 1,232 |
| Average earning assets | $609,634,500 | 1,229 |
| Average equity | $62,720,750 | 1,390 |
| Average total loans | $461,651,000 | 1,201 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 4,169 |
| Cost of funding earning assets | 0.2875% | 4,518 |
| Net interest margin | 3.3648% | 3,209 |
| Noninterest income to average assets | 0.8044% | 1,422 |
| Noninterest expense to average assets | 3.0011% | 1,570 |
| Loan and lease loss provision to assets | 0.3123% | 1,379 |
| Net operating income to assets | 0.5055% | 4,003 |
| Return on assets (ROA) | 0.6706% | 3,599 |
| Pretax return on assets | 0.8364% | 3,488 |
| Return on Equity (ROE) | 6.8172% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.8172% | 1,733 |
| Net charge-offs to loans | 0.0052% | 2,778 |
| Credit loss provision to net charge-offs | 8,208.3333% | 136 |
| Earnings coverage of net charge-offs (x) | 247.6667% | 376 |
| Efficiency ratio | 76.1036% | 1,254 |
| Assets per employee ($millions) | 4.9683% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,373 |
| Loan loss allowance to noncurrent loans | 260.8102% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,019 |
| Noncurrent loans to loans | 0.4702% | 2,738 |
| Net loans and leases to total assets | 66.3452% | 2,575 |
| Net loans and leases to deposits | 73.8277% | 3,092 |
| Net loans and leases to core deposits | 75.4029% | 3,339 |
| Total domestic deposits to total assets | 89.8649% | 441 |
| Equity capital to assets | 9.1284% | 3,979 |
| Core capital (leverage) ratio | 9.5340% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6141% | 1,338 |
| Memoranda: | ||
| Average total assets | $630,775,000 | 1,250 |
| Average earning assets | $588,451,000 | 1,238 |
| Average equity | $62,048,667 | 1,389 |
| Average total loans | $463,857,333 | 1,185 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,604 |
| Cost of funding earning assets | 0.3219% | 4,588 |
| Net interest margin | 3.7479% | 2,152 |
| Noninterest income to average assets | 0.6805% | 1,724 |
| Noninterest expense to average assets | 3.1672% | 1,496 |
| Loan and lease loss provision to assets | 0.4018% | 760 |
| Net operating income to assets | 0.4711% | 3,967 |
| Return on assets (ROA) | 0.5348% | 3,854 |
| Pretax return on assets | 0.6698% | 3,772 |
| Return on Equity (ROE) | 5.2180% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.2180% | 2,185 |
| Net charge-offs to loans | 0.0147% | 2,076 |
| Credit loss provision to net charge-offs | 3,535.2941% | 221 |
| Earnings coverage of net charge-offs (x) | 87.2941% | 637 |
| Efficiency ratio | 76.1491% | 1,550 |
| Assets per employee ($millions) | 4.1857% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,966 |
| Loan loss allowance to noncurrent loans | 241.4557% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 2,934 |
| Noncurrent loans to loans | 0.4740% | 2,829 |
| Net loans and leases to total assets | 76.5403% | 1,208 |
| Net loans and leases to deposits | 85.9923% | 2,001 |
| Net loans and leases to core deposits | 87.7517% | 2,543 |
| Total domestic deposits to total assets | 89.0084% | 658 |
| Equity capital to assets | 10.3139% | 3,508 |
| Core capital (leverage) ratio | 10.2638% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5519% | 1,457 |
| Memoranda: | ||
| Average total assets | $598,381,500 | 1,265 |
| Average earning assets | $555,400,000 | 1,258 |
| Average equity | $61,326,000 | 1,398 |
| Average total loans | $462,185,000 | 1,160 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,764 |
| Cost of funding earning assets | 0.3246% | 4,670 |
| Net interest margin | 3.8953% | 2,190 |
| Noninterest income to average assets | 0.9076% | 1,166 |
| Noninterest expense to average assets | 3.2415% | 1,424 |
| Loan and lease loss provision to assets | 0.1460% | 1,465 |
| Net operating income to assets | 0.9157% | 3,145 |
| Return on assets (ROA) | 0.9598% | 3,065 |
| Pretax return on assets | 1.1937% | 2,866 |
| Return on Equity (ROE) | 9.9377% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.9377% | 504 |
| Net charge-offs to loans | 0.0235% | 2,934 |
| Credit loss provision to net charge-offs | 830.7692% | 400 |
| Earnings coverage of net charge-offs (x) | 73.0865% | 857 |
| Efficiency ratio | 71.6179% | 1,925 |
| Assets per employee ($millions) | 4.1252% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,277 |
| Loan loss allowance to noncurrent loans | 175.4703% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 2,545 |
| Noncurrent loans to loans | 0.5923% | 2,406 |
| Net loans and leases to total assets | 76.2484% | 1,366 |
| Net loans and leases to deposits | 85.7500% | 2,128 |
| Net loans and leases to core deposits | 87.2295% | 2,682 |
| Total domestic deposits to total assets | 88.9195% | 701 |
| Equity capital to assets | 10.1824% | 3,750 |
| Core capital (leverage) ratio | 10.1244% | 3,386 |
| Tier 1 risk-based capital ratio | 15.3128% | 2,651 |
| Total risk-based capital ratio | 16.5231% | 2,602 |
| Memoranda: | ||
| Average total assets | $591,695,800 | 1,234 |
| Average earning assets | $549,657,800 | 1,237 |
| Average equity | $57,146,000 | 1,423 |
| Average total loans | $441,990,000 | 1,175 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 3,862 |
| Cost of funding earning assets | 0.3208% | 4,747 |
| Net interest margin | 3.9077% | 2,225 |
| Noninterest income to average assets | 0.8878% | 1,167 |
| Noninterest expense to average assets | 3.2638% | 1,344 |
| Loan and lease loss provision to assets | 0.0823% | 2,263 |
| Net operating income to assets | 0.9460% | 3,184 |
| Return on assets (ROA) | 1.0049% | 3,043 |
| Pretax return on assets | 1.2498% | 2,815 |
| Return on Equity (ROE) | 10.5483% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.5483% | 614 |
| Net charge-offs to loans | -0.0061% | 4,254 |
| Credit loss provision to net charge-offs | -1,825.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1696% | 1,810 |
| Assets per employee ($millions) | 4.1611% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,698 |
| Loan loss allowance to noncurrent loans | 234.4569% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,221 |
| Noncurrent loans to loans | 0.4167% | 3,050 |
| Net loans and leases to total assets | 73.6097% | 1,896 |
| Net loans and leases to deposits | 82.6188% | 2,602 |
| Net loans and leases to core deposits | 84.0111% | 3,089 |
| Total domestic deposits to total assets | 89.0955% | 580 |
| Equity capital to assets | 9.8603% | 4,151 |
| Core capital (leverage) ratio | 9.7462% | 3,915 |
| Tier 1 risk-based capital ratio | 15.4588% | 2,653 |
| Total risk-based capital ratio | 16.6077% | 2,619 |
| Memoranda: | ||
| Average total assets | $591,114,000 | 1,242 |
| Average earning assets | $549,802,000 | 1,236 |
| Average equity | $56,311,000 | 1,436 |
| Average total loans | $438,065,000 | 1,191 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,918 |
| Cost of funding earning assets | 0.3135% | 4,795 |
| Net interest margin | 3.8901% | 2,269 |
| Noninterest income to average assets | 0.8671% | 1,163 |
| Noninterest expense to average assets | 3.2918% | 1,298 |
| Loan and lease loss provision to assets | 0.0736% | 2,344 |
| Net operating income to assets | 0.9037% | 3,266 |
| Return on assets (ROA) | 0.9250% | 3,247 |
| Pretax return on assets | 1.1471% | 3,089 |
| Return on Equity (ROE) | 9.8280% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.8280% | 811 |
| Net charge-offs to loans | -0.0055% | 4,151 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3748% | 1,718 |
| Assets per employee ($millions) | 4.2303% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,876 |
| Loan loss allowance to noncurrent loans | 222.4855% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,177 |
| Noncurrent loans to loans | 0.4268% | 3,001 |
| Net loans and leases to total assets | 72.8461% | 2,092 |
| Net loans and leases to deposits | 81.1592% | 2,824 |
| Net loans and leases to core deposits | 82.5020% | 3,240 |
| Total domestic deposits to total assets | 89.7571% | 401 |
| Equity capital to assets | 9.5210% | 4,385 |
| Core capital (leverage) ratio | 9.5793% | 4,068 |
| Tier 1 risk-based capital ratio | 15.0148% | 2,836 |
| Total risk-based capital ratio | 16.1233% | 2,810 |
| Memoranda: | ||
| Average total assets | $587,033,000 | 1,248 |
| Average earning assets | $546,159,000 | 1,243 |
| Average equity | $55,250,330 | 1,445 |
| Average total loans | $434,583,000 | 1,197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 4,037 |
| Cost of funding earning assets | 0.3014% | 4,840 |
| Net interest margin | 3.8365% | 2,389 |
| Noninterest income to average assets | 0.8075% | 1,283 |
| Noninterest expense to average assets | 3.3545% | 1,181 |
| Loan and lease loss provision to assets | 0.1162% | 1,512 |
| Net operating income to assets | 0.7323% | 3,832 |
| Return on assets (ROA) | 0.7452% | 3,834 |
| Pretax return on assets | 0.9203% | 3,699 |
| Return on Equity (ROE) | 7.9663% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.9663% | 1,678 |
| Net charge-offs to loans | 0.0056% | 2,505 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 245.8333% | 327 |
| Efficiency ratio | 76.6725% | 1,420 |
| Assets per employee ($millions) | 4.1226% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,906 |
| Loan loss allowance to noncurrent loans | 209.2555% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,134 |
| Noncurrent loans to loans | 0.4609% | 2,932 |
| Net loans and leases to total assets | 72.9765% | 1,991 |
| Net loans and leases to deposits | 81.2187% | 2,704 |
| Net loans and leases to core deposits | 82.7751% | 3,123 |
| Total domestic deposits to total assets | 89.8518% | 512 |
| Equity capital to assets | 9.3990% | 4,344 |
| Core capital (leverage) ratio | 9.6592% | 3,959 |
| Tier 1 risk-based capital ratio | 14.9208% | 2,908 |
| Total risk-based capital ratio | 16.0375% | 2,905 |
| Memoranda: | ||
| Average total assets | $578,082,500 | 1,263 |
| Average earning assets | $537,577,000 | 1,260 |
| Average equity | $54,077,500 | 1,469 |
| Average total loans | $429,426,500 | 1,213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 4,190 |
| Cost of funding earning assets | 0.2110% | 4,960 |
| Net interest margin | 3.7292% | 2,936 |
| Noninterest income to average assets | 0.8110% | 1,414 |
| Noninterest expense to average assets | 3.0469% | 1,944 |
| Loan and lease loss provision to assets | -0.0170% | 5,127 |
| Net operating income to assets | 1.0186% | 2,933 |
| Return on assets (ROA) | 1.0186% | 2,917 |
| Pretax return on assets | 1.2419% | 2,734 |
| Return on Equity (ROE) | 11.5965% | 1,866 |
| Retained earnings to average equity (ytd only) | 11.5965% | 366 |
| Net charge-offs to loans | 0.0310% | 2,779 |
| Credit loss provision to net charge-offs | -75.5906% | 4,367 |
| Earnings coverage of net charge-offs (x) | 54.6142% | 1,084 |
| Efficiency ratio | 71.3258% | 1,995 |
| Assets per employee ($millions) | 4.0479% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,021 |
| Loan loss allowance to noncurrent loans | 202.9964% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 2,934 |
| Noncurrent loans to loans | 0.4606% | 2,890 |
| Net loans and leases to total assets | 74.1972% | 1,906 |
| Net loans and leases to deposits | 82.6602% | 2,655 |
| Net loans and leases to core deposits | 83.6581% | 3,121 |
| Total domestic deposits to total assets | 89.7617% | 553 |
| Equity capital to assets | 9.3092% | 4,315 |
| Core capital (leverage) ratio | 9.5784% | 4,030 |
| Tier 1 risk-based capital ratio | 14.7140% | 2,962 |
| Total risk-based capital ratio | 15.7929% | 2,961 |
| Memoranda: | ||
| Average total assets | $566,243,400 | 1,256 |
| Average earning assets | $525,497,000 | 1,254 |
| Average equity | $49,739,000 | 1,527 |
| Average total loans | $409,202,800 | 1,233 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 4,264 |
| Cost of funding earning assets | 0.1937% | 5,039 |
| Net interest margin | 3.6838% | 3,076 |
| Noninterest income to average assets | 0.8192% | 1,415 |
| Noninterest expense to average assets | 3.1101% | 1,739 |
| Loan and lease loss provision to assets | -0.0078% | 5,205 |
| Net operating income to assets | 0.9404% | 3,352 |
| Return on assets (ROA) | 0.9404% | 3,353 |
| Pretax return on assets | 1.1351% | 3,260 |
| Return on Equity (ROE) | 10.8703% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.8703% | 676 |
| Net charge-offs to loans | 0.0817% | 1,705 |
| Credit loss provision to net charge-offs | -13.3065% | 4,094 |
| Earnings coverage of net charge-offs (x) | 19.2660% | 2,015 |
| Efficiency ratio | 73.3964% | 1,674 |
| Assets per employee ($millions) | 4.2434% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,003 |
| Loan loss allowance to noncurrent loans | 182.6147% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 2,869 |
| Noncurrent loans to loans | 0.5263% | 2,802 |
| Net loans and leases to total assets | 70.3409% | 2,592 |
| Net loans and leases to deposits | 77.8502% | 3,250 |
| Net loans and leases to core deposits | 78.6067% | 3,611 |
| Total domestic deposits to total assets | 90.3541% | 394 |
| Equity capital to assets | 8.7638% | 4,742 |
| Core capital (leverage) ratio | 9.0143% | 4,688 |
| Tier 1 risk-based capital ratio | 14.7830% | 2,980 |
| Total risk-based capital ratio | 15.8874% | 2,974 |
| Memoranda: | ||
| Average total assets | $565,114,250 | 1,260 |
| Average earning assets | $524,374,500 | 1,261 |
| Average equity | $48,890,500 | 1,547 |
| Average total loans | $404,632,250 | 1,245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 4,375 |
| Cost of funding earning assets | 0.1729% | 5,137 |
| Net interest margin | 3.6160% | 3,253 |
| Noninterest income to average assets | 0.7539% | 1,631 |
| Noninterest expense to average assets | 3.1320% | 1,712 |
| Loan and lease loss provision to assets | -0.0802% | 5,406 |
| Net operating income to assets | 0.8700% | 3,583 |
| Return on assets (ROA) | 0.8700% | 3,587 |
| Pretax return on assets | 1.0647% | 3,457 |
| Return on Equity (ROE) | 10.1017% | 2,519 |
| Retained earnings to average equity (ytd only) | 10.1017% | 902 |
| Net charge-offs to loans | 0.0357% | 2,137 |
| Credit loss provision to net charge-offs | -312.5000% | 4,277 |
| Earnings coverage of net charge-offs (x) | 38.3611% | 1,333 |
| Efficiency ratio | 76.0845% | 1,419 |
| Assets per employee ($millions) | 4.3664% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,033 |
| Loan loss allowance to noncurrent loans | 195.9540% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 2,813 |
| Noncurrent loans to loans | 0.4929% | 2,955 |
| Net loans and leases to total assets | 68.7522% | 2,759 |
| Net loans and leases to deposits | 75.8272% | 3,354 |
| Net loans and leases to core deposits | 76.5487% | 3,697 |
| Total domestic deposits to total assets | 90.6695% | 339 |
| Equity capital to assets | 8.4332% | 4,992 |
| Core capital (leverage) ratio | 8.8441% | 4,847 |
| Tier 1 risk-based capital ratio | 14.7176% | 3,013 |
| Total risk-based capital ratio | 15.8456% | 2,988 |
| Memoranda: | ||
| Average total assets | $561,117,670 | 1,268 |
| Average earning assets | $521,797,000 | 1,270 |
| Average equity | $48,328,670 | 1,562 |
| Average total loans | $402,883,330 | 1,248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,374 |
| Cost of funding earning assets | 0.1554% | 5,244 |
| Net interest margin | 3.5895% | 3,224 |
| Noninterest income to average assets | 0.6163% | 2,187 |
| Noninterest expense to average assets | 3.2503% | 1,452 |
| Loan and lease loss provision to assets | -0.1908% | 5,547 |
| Net operating income to assets | 0.7117% | 4,060 |
| Return on assets (ROA) | 0.7117% | 4,069 |
| Pretax return on assets | 0.8887% | 3,881 |
| Return on Equity (ROE) | 8.1721% | 3,309 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,776 |
| Net charge-offs to loans | 0.0489% | 1,617 |
| Credit loss provision to net charge-offs | -534.6939% | 4,026 |
| Earnings coverage of net charge-offs (x) | 19.5510% | 1,502 |
| Efficiency ratio | 82.3247% | 919 |
| Assets per employee ($millions) | 3.9380% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 4,133 |
| Loan loss allowance to noncurrent loans | 173.2388% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 2,486 |
| Noncurrent loans to loans | 0.5581% | 2,861 |
| Net loans and leases to total assets | 72.1219% | 2,150 |
| Net loans and leases to deposits | 80.1237% | 2,799 |
| Net loans and leases to core deposits | 80.7610% | 3,264 |
| Total domestic deposits to total assets | 90.0132% | 650 |
| Equity capital to assets | 8.6451% | 4,862 |
| Core capital (leverage) ratio | 9.2545% | 4,376 |
| Tier 1 risk-based capital ratio | 14.2794% | 3,238 |
| Total risk-based capital ratio | 15.4024% | 3,224 |
| Memoranda: | ||
| Average total assets | $549,125,000 | 1,305 |
| Average earning assets | $509,707,500 | 1,304 |
| Average equity | $47,821,500 | 1,585 |
| Average total loans | $401,228,000 | 1,258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,488 |
| Cost of funding earning assets | 0.1566% | 5,224 |
| Net interest margin | 3.4790% | 3,598 |
| Noninterest income to average assets | 0.8486% | 1,410 |
| Noninterest expense to average assets | 2.9987% | 2,170 |
| Loan and lease loss provision to assets | 0.2267% | 864 |
| Net operating income to assets | 0.3217% | 4,891 |
| Return on assets (ROA) | 0.3219% | 4,907 |
| Pretax return on assets | 0.8419% | 4,115 |
| Return on Equity (ROE) | 3.6736% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.6736% | 3,040 |
| Net charge-offs to loans | 0.1315% | 1,740 |
| Credit loss provision to net charge-offs | 245.7661% | 1,121 |
| Earnings coverage of net charge-offs (x) | 11.5806% | 2,557 |
| Efficiency ratio | 73.7333% | 1,936 |
| Assets per employee ($millions) | 4.0221% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,561 |
| Loan loss allowance to noncurrent loans | 145.8693% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,196 |
| Noncurrent loans to loans | 0.7267% | 2,391 |
| Net loans and leases to total assets | 72.5358% | 2,154 |
| Net loans and leases to deposits | 80.2888% | 2,879 |
| Net loans and leases to core deposits | 80.8281% | 3,353 |
| Total domestic deposits to total assets | 90.3436% | 451 |
| Equity capital to assets | 8.7737% | 4,910 |
| Core capital (leverage) ratio | 9.0354% | 4,606 |
| Tier 1 risk-based capital ratio | 14.1632% | 3,276 |
| Total risk-based capital ratio | 15.3894% | 3,189 |
| Memoranda: | ||
| Average total assets | $537,698,000 | 1,303 |
| Average earning assets | $497,417,800 | 1,313 |
| Average equity | $47,120,600 | 1,599 |
| Average total loans | $377,284,200 | 1,292 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,528 |
| Cost of funding earning assets | 0.1578% | 5,269 |
| Net interest margin | 3.4545% | 3,661 |
| Noninterest income to average assets | 0.8404% | 1,444 |
| Noninterest expense to average assets | 2.9804% | 2,161 |
| Loan and lease loss provision to assets | 0.2709% | 605 |
| Net operating income to assets | 0.4827% | 4,779 |
| Return on assets (ROA) | 0.4827% | 4,819 |
| Pretax return on assets | 0.7830% | 4,394 |
| Return on Equity (ROE) | 5.5102% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.5102% | 2,534 |
| Net charge-offs to loans | 0.1390% | 1,413 |
| Credit loss provision to net charge-offs | 280.9278% | 1,045 |
| Earnings coverage of net charge-offs (x) | 10.9278% | 2,542 |
| Efficiency ratio | 73.8755% | 1,917 |
| Assets per employee ($millions) | 3.8211% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,487 |
| Loan loss allowance to noncurrent loans | 150.0715% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,022 |
| Noncurrent loans to loans | 0.7319% | 2,527 |
| Net loans and leases to total assets | 69.6772% | 2,610 |
| Net loans and leases to deposits | 77.2952% | 3,245 |
| Net loans and leases to core deposits | 77.8562% | 3,649 |
| Total domestic deposits to total assets | 90.1443% | 425 |
| Equity capital to assets | 8.8692% | 5,018 |
| Core capital (leverage) ratio | 8.9750% | 4,769 |
| Tier 1 risk-based capital ratio | 14.5601% | 3,150 |
| Total risk-based capital ratio | 15.8101% | 3,064 |
| Memoranda: | ||
| Average total assets | $536,376,000 | 1,320 |
| Average earning assets | $495,926,000 | 1,323 |
| Average equity | $46,990,750 | 1,613 |
| Average total loans | $372,085,500 | 1,322 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,601 |
| Cost of funding earning assets | 0.1585% | 5,284 |
| Net interest margin | 3.4069% | 3,748 |
| Noninterest income to average assets | 0.8100% | 1,537 |
| Noninterest expense to average assets | 2.9410% | 2,296 |
| Loan and lease loss provision to assets | 0.3054% | 494 |
| Net operating income to assets | 0.4114% | 4,958 |
| Return on assets (ROA) | 0.4114% | 4,980 |
| Pretax return on assets | 0.7168% | 4,506 |
| Return on Equity (ROE) | 4.7154% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.7154% | 2,905 |
| Net charge-offs to loans | 0.1286% | 1,393 |
| Credit loss provision to net charge-offs | 344.3038% | 874 |
| Earnings coverage of net charge-offs (x) | 11.5232% | 2,269 |
| Efficiency ratio | 74.2066% | 1,970 |
| Assets per employee ($millions) | 3.8810% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,650 |
| Loan loss allowance to noncurrent loans | 113.3167% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 1,910 |
| Noncurrent loans to loans | 0.9607% | 2,043 |
| Net loans and leases to total assets | 68.1588% | 2,793 |
| Net loans and leases to deposits | 75.2825% | 3,430 |
| Net loans and leases to core deposits | 75.7334% | 3,797 |
| Total domestic deposits to total assets | 90.5374% | 345 |
| Equity capital to assets | 8.7023% | 5,139 |
| Core capital (leverage) ratio | 8.8965% | 4,846 |
| Tier 1 risk-based capital ratio | 14.5726% | 3,128 |
| Total risk-based capital ratio | 15.8122% | 3,048 |
| Memoranda: | ||
| Average total assets | $534,301,670 | 1,332 |
| Average earning assets | $494,520,330 | 1,331 |
| Average equity | $46,613,000 | 1,624 |
| Average total loans | $368,691,670 | 1,327 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,578 |
| Cost of funding earning assets | 0.1591% | 5,309 |
| Net interest margin | 3.3805% | 3,712 |
| Noninterest income to average assets | 0.7996% | 1,552 |
| Noninterest expense to average assets | 3.0654% | 1,970 |
| Loan and lease loss provision to assets | 0.1299% | 1,478 |
| Net operating income to assets | 0.4228% | 4,884 |
| Return on assets (ROA) | 0.4228% | 4,905 |
| Pretax return on assets | 0.7324% | 4,339 |
| Return on Equity (ROE) | 4.8403% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.8403% | 2,990 |
| Net charge-offs to loans | 0.2023% | 854 |
| Credit loss provision to net charge-offs | 92.9730% | 1,673 |
| Earnings coverage of net charge-offs (x) | 6.1730% | 2,235 |
| Efficiency ratio | 78.0469% | 1,622 |
| Assets per employee ($millions) | 3.9452% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,627 |
| Loan loss allowance to noncurrent loans | 113.9679% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 2,362 |
| Noncurrent loans to loans | 0.8186% | 2,406 |
| Net loans and leases to total assets | 68.9547% | 2,538 |
| Net loans and leases to deposits | 76.1630% | 3,183 |
| Net loans and leases to core deposits | 76.6654% | 3,594 |
| Total domestic deposits to total assets | 90.5357% | 457 |
| Equity capital to assets | 8.6869% | 5,080 |
| Core capital (leverage) ratio | 9.0098% | 4,728 |
| Tier 1 risk-based capital ratio | 14.3073% | 3,313 |
| Total risk-based capital ratio | 15.3594% | 3,333 |
| Memoranda: | ||
| Average total assets | $529,784,000 | 1,349 |
| Average earning assets | $490,227,500 | 1,344 |
| Average equity | $46,278,000 | 1,636 |
| Average total loans | $365,833,500 | 1,342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 4,807 |
| Cost of funding earning assets | 0.1824% | 5,185 |
| Net interest margin | 3.3074% | 4,121 |
| Noninterest income to average assets | 0.8456% | 1,593 |
| Noninterest expense to average assets | 3.0932% | 2,060 |
| Loan and lease loss provision to assets | 0.1544% | 1,617 |
| Net operating income to assets | 0.4268% | 4,857 |
| Return on assets (ROA) | 0.4362% | 4,925 |
| Pretax return on assets | 0.6649% | 4,608 |
| Return on Equity (ROE) | 4.8683% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.8683% | 2,433 |
| Net charge-offs to loans | 0.0524% | 2,991 |
| Credit loss provision to net charge-offs | 446.5909% | 719 |
| Earnings coverage of net charge-offs (x) | 23.2841% | 1,694 |
| Efficiency ratio | 79.3458% | 1,506 |
| Assets per employee ($millions) | 3.8177% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,455 |
| Loan loss allowance to noncurrent loans | 93.0053% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 2,092 |
| Noncurrent loans to loans | 1.0497% | 1,979 |
| Net loans and leases to total assets | 67.8198% | 2,801 |
| Net loans and leases to deposits | 74.9723% | 3,418 |
| Net loans and leases to core deposits | 75.5488% | 3,788 |
| Total domestic deposits to total assets | 90.4597% | 461 |
| Equity capital to assets | 8.7848% | 5,036 |
| Core capital (leverage) ratio | 9.0609% | 4,667 |
| Tier 1 risk-based capital ratio | 14.5351% | 3,181 |
| Total risk-based capital ratio | 15.6208% | 3,182 |
| Memoranda: | ||
| Average total assets | $508,963,000 | 1,349 |
| Average earning assets | $469,758,600 | 1,348 |
| Average equity | $45,601,200 | 1,651 |
| Average total loans | $335,846,000 | 1,389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4762% | 4,876 |
| Cost of funding earning assets | 0.1881% | 5,194 |
| Net interest margin | 3.2882% | 4,224 |
| Noninterest income to average assets | 0.8341% | 1,630 |
| Noninterest expense to average assets | 3.1177% | 1,985 |
| Loan and lease loss provision to assets | 0.0965% | 2,295 |
| Net operating income to assets | 0.4294% | 4,933 |
| Return on assets (ROA) | 0.4387% | 4,989 |
| Pretax return on assets | 0.6684% | 4,693 |
| Return on Equity (ROE) | 4.8716% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.8716% | 2,910 |
| Net charge-offs to loans | 0.0674% | 2,362 |
| Credit loss provision to net charge-offs | 219.1617% | 1,343 |
| Earnings coverage of net charge-offs (x) | 17.0480% | 2,078 |
| Efficiency ratio | 80.5878% | 1,365 |
| Assets per employee ($millions) | 3.8233% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,908 |
| Loan loss allowance to noncurrent loans | 76.0473% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 2,136 |
| Noncurrent loans to loans | 1.1695% | 1,916 |
| Net loans and leases to total assets | 66.6269% | 3,019 |
| Net loans and leases to deposits | 73.9520% | 3,603 |
| Net loans and leases to core deposits | 74.5330% | 3,960 |
| Total domestic deposits to total assets | 90.0949% | 450 |
| Equity capital to assets | 9.0153% | 5,161 |
| Core capital (leverage) ratio | 8.9237% | 4,915 |
| Tier 1 risk-based capital ratio | 14.7191% | 3,181 |
| Total risk-based capital ratio | 15.7009% | 3,239 |
| Memoranda: | ||
| Average total assets | $505,447,250 | 1,364 |
| Average earning assets | $466,469,500 | 1,362 |
| Average equity | $45,514,750 | 1,663 |
| Average total loans | $330,254,500 | 1,415 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 4,921 |
| Cost of funding earning assets | 0.1965% | 5,180 |
| Net interest margin | 3.2842% | 4,277 |
| Noninterest income to average assets | 0.8002% | 1,714 |
| Noninterest expense to average assets | 3.1290% | 1,984 |
| Loan and lease loss provision to assets | 0.0498% | 3,154 |
| Net operating income to assets | 0.4292% | 4,943 |
| Return on assets (ROA) | 0.4348% | 5,010 |
| Pretax return on assets | 0.6595% | 4,742 |
| Return on Equity (ROE) | 4.8300% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.8300% | 2,849 |
| Net charge-offs to loans | 0.0573% | 2,368 |
| Credit loss provision to net charge-offs | 134.4086% | 1,737 |
| Earnings coverage of net charge-offs (x) | 18.9140% | 1,802 |
| Efficiency ratio | 81.6981% | 1,307 |
| Assets per employee ($millions) | 3.7202% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,020 |
| Loan loss allowance to noncurrent loans | 72.0741% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 1,843 |
| Noncurrent loans to loans | 1.2179% | 1,885 |
| Net loans and leases to total assets | 64.2033% | 3,336 |
| Net loans and leases to deposits | 71.1410% | 3,870 |
| Net loans and leases to core deposits | 71.6471% | 4,210 |
| Total domestic deposits to total assets | 90.2481% | 399 |
| Equity capital to assets | 9.0065% | 5,232 |
| Core capital (leverage) ratio | 9.0234% | 4,798 |
| Tier 1 risk-based capital ratio | 15.0473% | 3,057 |
| Total risk-based capital ratio | 16.0086% | 3,122 |
| Memoranda: | ||
| Average total assets | $501,880,670 | 1,376 |
| Average earning assets | $463,006,000 | 1,376 |
| Average equity | $45,175,670 | 1,673 |
| Average total loans | $324,679,670 | 1,434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 4,941 |
| Cost of funding earning assets | 0.1996% | 5,208 |
| Net interest margin | 3.2775% | 4,307 |
| Noninterest income to average assets | 0.7659% | 1,749 |
| Noninterest expense to average assets | 3.1411% | 1,983 |
| Loan and lease loss provision to assets | 0.0411% | 3,100 |
| Net operating income to assets | 0.4157% | 4,947 |
| Return on assets (ROA) | 0.4241% | 5,001 |
| Pretax return on assets | 0.6144% | 4,774 |
| Return on Equity (ROE) | 4.7128% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.7128% | 3,110 |
| Net charge-offs to loans | 0.0025% | 3,038 |
| Credit loss provision to net charge-offs | 2,550.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 399.0000% | 154 |
| Efficiency ratio | 82.9996% | 1,260 |
| Assets per employee ($millions) | 3.6636% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,041 |
| Loan loss allowance to noncurrent loans | 56.3856% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 1,643 |
| Noncurrent loans to loans | 1.6077% | 1,437 |
| Net loans and leases to total assets | 64.4145% | 3,183 |
| Net loans and leases to deposits | 71.4923% | 3,698 |
| Net loans and leases to core deposits | 72.1835% | 4,055 |
| Total domestic deposits to total assets | 90.1000% | 562 |
| Equity capital to assets | 9.0944% | 5,086 |
| Core capital (leverage) ratio | 9.1793% | 4,623 |
| Tier 1 risk-based capital ratio | 15.1842% | 3,072 |
| Total risk-based capital ratio | 16.1722% | 3,132 |
| Memoranda: | ||
| Average total assets | $496,128,000 | 1,393 |
| Average earning assets | $456,928,000 | 1,399 |
| Average equity | $44,644,500 | 1,688 |
| Average total loans | $320,754,500 | 1,447 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 4,868 |
| Cost of funding earning assets | 0.2055% | 5,236 |
| Net interest margin | 3.3135% | 4,240 |
| Noninterest income to average assets | 0.8670% | 1,539 |
| Noninterest expense to average assets | 3.2410% | 1,860 |
| Loan and lease loss provision to assets | 0.0422% | 3,491 |
| Net operating income to assets | 0.4058% | 5,037 |
| Return on assets (ROA) | 0.4063% | 5,117 |
| Pretax return on assets | 0.6294% | 4,749 |
| Return on Equity (ROE) | 4.4416% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.4416% | 2,824 |
| Net charge-offs to loans | 0.0883% | 2,560 |
| Credit loss provision to net charge-offs | 72.5632% | 3,081 |
| Earnings coverage of net charge-offs (x) | 11.5271% | 2,566 |
| Efficiency ratio | 82.8518% | 1,288 |
| Assets per employee ($millions) | 3.6059% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 5,056 |
| Loan loss allowance to noncurrent loans | 53.0222% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 1,608 |
| Noncurrent loans to loans | 1.7136% | 1,317 |
| Net loans and leases to total assets | 63.7121% | 3,322 |
| Net loans and leases to deposits | 70.5868% | 3,856 |
| Net loans and leases to core deposits | 71.2730% | 4,193 |
| Total domestic deposits to total assets | 90.2606% | 520 |
| Equity capital to assets | 8.9019% | 5,221 |
| Core capital (leverage) ratio | 9.1337% | 4,706 |
| Tier 1 risk-based capital ratio | 15.3386% | 3,021 |
| Total risk-based capital ratio | 16.3312% | 3,073 |
| Memoranda: | ||
| Average total assets | $476,000,400 | 1,422 |
| Average earning assets | $437,392,000 | 1,424 |
| Average equity | $43,542,800 | 1,687 |
| Average total loans | $313,592,800 | 1,410 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 4,883 |
| Cost of funding earning assets | 0.2069% | 5,319 |
| Net interest margin | 3.3362% | 4,196 |
| Noninterest income to average assets | 0.8619% | 1,574 |
| Noninterest expense to average assets | 3.2435% | 1,840 |
| Loan and lease loss provision to assets | -0.0025% | 5,785 |
| Net operating income to assets | 0.4980% | 4,797 |
| Return on assets (ROA) | 0.4988% | 4,884 |
| Pretax return on assets | 0.6857% | 4,730 |
| Return on Equity (ROE) | 5.4149% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.4149% | 2,630 |
| Net charge-offs to loans | 0.0350% | 3,214 |
| Credit loss provision to net charge-offs | -10.9756% | 4,853 |
| Earnings coverage of net charge-offs (x) | 29.4148% | 1,518 |
| Efficiency ratio | 82.6250% | 1,313 |
| Assets per employee ($millions) | 3.7530% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 5,145 |
| Loan loss allowance to noncurrent loans | 52.3324% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 1,581 |
| Noncurrent loans to loans | 1.7486% | 1,361 |
| Net loans and leases to total assets | 63.7392% | 3,343 |
| Net loans and leases to deposits | 70.8493% | 3,899 |
| Net loans and leases to core deposits | 71.5319% | 4,233 |
| Total domestic deposits to total assets | 89.9644% | 584 |
| Equity capital to assets | 9.1052% | 5,206 |
| Core capital (leverage) ratio | 9.1081% | 4,867 |
| Tier 1 risk-based capital ratio | 15.5676% | 3,016 |
| Total risk-based capital ratio | 16.5739% | 3,057 |
| Memoranda: | ||
| Average total assets | $471,499,250 | 1,439 |
| Average earning assets | $432,979,250 | 1,445 |
| Average equity | $43,434,500 | 1,704 |
| Average total loans | $312,584,250 | 1,421 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 4,790 |
| Cost of funding earning assets | 0.2091% | 5,363 |
| Net interest margin | 3.3654% | 4,032 |
| Noninterest income to average assets | 0.8879% | 1,478 |
| Noninterest expense to average assets | 3.2972% | 1,716 |
| Loan and lease loss provision to assets | -0.0468% | 6,024 |
| Net operating income to assets | 0.5430% | 4,587 |
| Return on assets (ROA) | 0.5433% | 4,695 |
| Pretax return on assets | 0.7248% | 4,580 |
| Return on Equity (ROE) | 5.8740% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.8740% | 2,314 |
| Net charge-offs to loans | -0.0083% | 4,876 |
| Credit loss provision to net charge-offs | 838.4615% | 414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9518% | 1,378 |
| Assets per employee ($millions) | 3.6127% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 5,247 |
| Loan loss allowance to noncurrent loans | 47.8072% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 1,518 |
| Noncurrent loans to loans | 1.9127% | 1,301 |
| Net loans and leases to total assets | 64.6557% | 3,173 |
| Net loans and leases to deposits | 71.7720% | 3,740 |
| Net loans and leases to core deposits | 72.4742% | 4,091 |
| Total domestic deposits to total assets | 90.0849% | 623 |
| Equity capital to assets | 9.1047% | 5,146 |
| Core capital (leverage) ratio | 9.3866% | 4,443 |
| Tier 1 risk-based capital ratio | 15.5858% | 3,052 |
| Total risk-based capital ratio | 16.6029% | 3,117 |
| Memoranda: | ||
| Average total assets | $466,037,330 | 1,457 |
| Average earning assets | $427,462,670 | 1,471 |
| Average equity | $43,105,000 | 1,723 |
| Average total loans | $312,163,670 | 1,426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,548 |
| Cost of funding earning assets | 0.2142% | 5,372 |
| Net interest margin | 3.4311% | 3,707 |
| Noninterest income to average assets | 0.9328% | 1,290 |
| Noninterest expense to average assets | 3.3704% | 1,551 |
| Loan and lease loss provision to assets | 0.2092% | 857 |
| Net operating income to assets | 0.3670% | 5,196 |
| Return on assets (ROA) | 0.3670% | 5,317 |
| Pretax return on assets | 0.4952% | 5,190 |
| Return on Equity (ROE) | 3.9361% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.9361% | 3,633 |
| Net charge-offs to loans | 0.1387% | 1,416 |
| Credit loss provision to net charge-offs | 222.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 7.4815% | 2,166 |
| Efficiency ratio | 82.7129% | 1,535 |
| Assets per employee ($millions) | 3.5336% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 5,088 |
| Loan loss allowance to noncurrent loans | 39.6642% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 1,228 |
| Noncurrent loans to loans | 2.4948% | 971 |
| Net loans and leases to total assets | 66.8993% | 2,622 |
| Net loans and leases to deposits | 74.4718% | 3,242 |
| Net loans and leases to core deposits | 75.3213% | 3,660 |
| Total domestic deposits to total assets | 89.8317% | 822 |
| Equity capital to assets | 9.3213% | 4,938 |
| Core capital (leverage) ratio | 9.4222% | 4,394 |
| Tier 1 risk-based capital ratio | 15.3839% | 3,204 |
| Total risk-based capital ratio | 16.4890% | 3,226 |
| Memoranda: | ||
| Average total assets | $458,812,000 | 1,481 |
| Average earning assets | $420,155,000 | 1,503 |
| Average equity | $42,784,000 | 1,737 |
| Average total loans | $311,480,500 | 1,432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,542 |
| Cost of funding earning assets | 0.2426% | 5,400 |
| Net interest margin | 3.5403% | 3,639 |
| Noninterest income to average assets | 0.9487% | 1,349 |
| Noninterest expense to average assets | 3.5153% | 1,452 |
| Loan and lease loss provision to assets | 0.0818% | 2,846 |
| Net operating income to assets | 0.4478% | 5,035 |
| Return on assets (ROA) | 0.4628% | 5,048 |
| Pretax return on assets | 0.5948% | 4,961 |
| Return on Equity (ROE) | 5.0487% | 4,635 |
| Retained earnings to average equity (ytd only) | 5.0487% | 2,571 |
| Net charge-offs to loans | 0.3467% | 1,266 |
| Credit loss provision to net charge-offs | 34.4216% | 3,779 |
| Earnings coverage of net charge-offs (x) | 2.7649% | 4,071 |
| Efficiency ratio | 84.2466% | 1,382 |
| Assets per employee ($millions) | 3.3935% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 5,273 |
| Loan loss allowance to noncurrent loans | 35.9500% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.0535% | 1,220 |
| Noncurrent loans to loans | 2.6571% | 925 |
| Net loans and leases to total assets | 67.5633% | 2,634 |
| Net loans and leases to deposits | 75.3530% | 3,272 |
| Net loans and leases to core deposits | 76.2287% | 3,683 |
| Total domestic deposits to total assets | 89.6623% | 895 |
| Equity capital to assets | 9.3287% | 4,931 |
| Core capital (leverage) ratio | 9.3651% | 4,447 |
| Tier 1 risk-based capital ratio | 15.5677% | 3,201 |
| Total risk-based capital ratio | 16.6511% | 3,219 |
| Memoranda: | ||
| Average total assets | $450,915,400 | 1,476 |
| Average earning assets | $410,620,000 | 1,493 |
| Average equity | $41,337,200 | 1,731 |
| Average total loans | $309,177,600 | 1,388 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 4,573 |
| Cost of funding earning assets | 0.2486% | 5,424 |
| Net interest margin | 3.5423% | 3,661 |
| Noninterest income to average assets | 0.9325% | 1,415 |
| Noninterest expense to average assets | 3.5069% | 1,446 |
| Loan and lease loss provision to assets | 0.0616% | 3,123 |
| Net operating income to assets | 0.4694% | 4,996 |
| Return on assets (ROA) | 0.4836% | 5,007 |
| Pretax return on assets | 0.6030% | 5,017 |
| Return on Equity (ROE) | 5.2986% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,880 |
| Net charge-offs to loans | 0.3293% | 1,220 |
| Credit loss provision to net charge-offs | 27.2608% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.8611% | 3,806 |
| Efficiency ratio | 84.4272% | 1,340 |
| Assets per employee ($millions) | 3.3542% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,214 |
| Loan loss allowance to noncurrent loans | 37.4910% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 1,339 |
| Noncurrent loans to loans | 2.6702% | 1,074 |
| Net loans and leases to total assets | 67.4420% | 2,619 |
| Net loans and leases to deposits | 75.2855% | 3,277 |
| Net loans and leases to core deposits | 76.2093% | 3,714 |
| Total domestic deposits to total assets | 89.5818% | 946 |
| Equity capital to assets | 9.1775% | 5,172 |
| Core capital (leverage) ratio | 9.2356% | 4,729 |
| Tier 1 risk-based capital ratio | 15.3879% | 3,381 |
| Total risk-based capital ratio | 16.5244% | 3,377 |
| Memoranda: | ||
| Average total assets | $449,963,000 | 1,487 |
| Average earning assets | $409,174,500 | 1,504 |
| Average equity | $41,066,500 | 1,748 |
| Average total loans | $308,924,500 | 1,401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,509 |
| Cost of funding earning assets | 0.2528% | 5,456 |
| Net interest margin | 3.5516% | 3,567 |
| Noninterest income to average assets | 0.9766% | 1,263 |
| Noninterest expense to average assets | 3.5397% | 1,406 |
| Loan and lease loss provision to assets | 0.0518% | 3,267 |
| Net operating income to assets | 0.4983% | 4,817 |
| Return on assets (ROA) | 0.5207% | 4,819 |
| Pretax return on assets | 0.6372% | 4,827 |
| Return on Equity (ROE) | 5.7156% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.7156% | 2,504 |
| Net charge-offs to loans | 0.3360% | 1,212 |
| Credit loss provision to net charge-offs | 22.3938% | 3,168 |
| Earnings coverage of net charge-offs (x) | 2.8610% | 3,445 |
| Efficiency ratio | 84.2491% | 1,477 |
| Assets per employee ($millions) | 3.3320% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 5,080 |
| Loan loss allowance to noncurrent loans | 32.6563% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 1,224 |
| Noncurrent loans to loans | 3.2411% | 866 |
| Net loans and leases to total assets | 66.3566% | 2,701 |
| Net loans and leases to deposits | 74.0792% | 3,304 |
| Net loans and leases to core deposits | 75.0213% | 3,733 |
| Total domestic deposits to total assets | 89.5752% | 1,035 |
| Equity capital to assets | 9.0356% | 5,261 |
| Core capital (leverage) ratio | 9.0606% | 4,927 |
| Tier 1 risk-based capital ratio | 15.2176% | 3,518 |
| Total risk-based capital ratio | 16.4101% | 3,494 |
| Memoranda: | ||
| Average total assets | $447,893,670 | 1,489 |
| Average earning assets | $406,694,330 | 1,506 |
| Average equity | $40,800,330 | 1,752 |
| Average total loans | $308,312,000 | 1,402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,142 |
| Cost of funding earning assets | 0.2556% | 5,533 |
| Net interest margin | 3.6299% | 3,141 |
| Noninterest income to average assets | 0.8635% | 1,508 |
| Noninterest expense to average assets | 3.5082% | 1,470 |
| Loan and lease loss provision to assets | 0.2037% | 1,140 |
| Net operating income to assets | 0.3611% | 5,267 |
| Return on assets (ROA) | 0.3611% | 5,333 |
| Pretax return on assets | 0.4426% | 5,330 |
| Return on Equity (ROE) | 3.9479% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.9479% | 3,743 |
| Net charge-offs to loans | 0.4282% | 850 |
| Credit loss provision to net charge-offs | 68.1818% | 2,022 |
| Earnings coverage of net charge-offs (x) | 2.1636% | 2,938 |
| Efficiency ratio | 84.4444% | 1,622 |
| Assets per employee ($millions) | 3.2564% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 4,864 |
| Loan loss allowance to noncurrent loans | 29.8591% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 2.9391% | 983 |
| Noncurrent loans to loans | 3.8570% | 707 |
| Net loans and leases to total assets | 68.5114% | 2,142 |
| Net loans and leases to deposits | 76.5181% | 2,754 |
| Net loans and leases to core deposits | 77.4225% | 3,260 |
| Total domestic deposits to total assets | 89.5361% | 1,352 |
| Equity capital to assets | 9.1232% | 4,975 |
| Core capital (leverage) ratio | 9.1663% | 4,769 |
| Tier 1 risk-based capital ratio | 14.4421% | 4,034 |
| Total risk-based capital ratio | 15.6922% | 3,992 |
| Memoranda: | ||
| Average total assets | $441,932,000 | 1,519 |
| Average earning assets | $400,674,500 | 1,532 |
| Average equity | $40,427,000 | 1,762 |
| Average total loans | $308,276,500 | 1,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,981 |
| Cost of funding earning assets | 0.2961% | 5,632 |
| Net interest margin | 3.7339% | 2,925 |
| Noninterest income to average assets | 1.0204% | 1,348 |
| Noninterest expense to average assets | 3.3250% | 2,070 |
| Loan and lease loss provision to assets | 0.3334% | 967 |
| Net operating income to assets | 0.4982% | 4,741 |
| Return on assets (ROA) | 0.4982% | 4,878 |
| Pretax return on assets | 0.7503% | 4,339 |
| Return on Equity (ROE) | 5.5282% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.5282% | 2,260 |
| Net charge-offs to loans | 0.5158% | 1,279 |
| Credit loss provision to net charge-offs | 92.4826% | 2,693 |
| Earnings coverage of net charge-offs (x) | 3.0063% | 3,990 |
| Efficiency ratio | 75.4197% | 2,873 |
| Assets per employee ($millions) | 3.1267% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,698 |
| Loan loss allowance to noncurrent loans | 24.9949% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 3.5562% | 812 |
| Noncurrent loans to loans | 4.7722% | 545 |
| Net loans and leases to total assets | 69.3746% | 2,113 |
| Net loans and leases to deposits | 77.3783% | 2,803 |
| Net loans and leases to core deposits | 78.4307% | 3,305 |
| Total domestic deposits to total assets | 89.6564% | 1,245 |
| Equity capital to assets | 9.1728% | 4,839 |
| Core capital (leverage) ratio | 9.2504% | 4,633 |
| Tier 1 risk-based capital ratio | 14.4401% | 3,993 |
| Total risk-based capital ratio | 15.6910% | 3,936 |
| Memoranda: | ||
| Average total assets | $439,160,800 | 1,507 |
| Average earning assets | $398,511,400 | 1,514 |
| Average equity | $39,579,200 | 1,768 |
| Average total loans | $306,922,000 | 1,380 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 3,905 |
| Cost of funding earning assets | 0.3093% | 5,649 |
| Net interest margin | 3.7479% | 2,856 |
| Noninterest income to average assets | 1.0357% | 1,359 |
| Noninterest expense to average assets | 3.2951% | 2,094 |
| Loan and lease loss provision to assets | 0.3743% | 830 |
| Net operating income to assets | 0.5306% | 4,665 |
| Return on assets (ROA) | 0.5306% | 4,822 |
| Pretax return on assets | 0.7669% | 4,434 |
| Return on Equity (ROE) | 5.9133% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.9133% | 2,471 |
| Net charge-offs to loans | 0.4433% | 1,448 |
| Credit loss provision to net charge-offs | 120.9804% | 1,947 |
| Earnings coverage of net charge-offs (x) | 3.6882% | 3,636 |
| Efficiency ratio | 74.2752% | 3,019 |
| Assets per employee ($millions) | 3.1591% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,338 |
| Loan loss allowance to noncurrent loans | 55.7741% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.0130% | 1,994 |
| Noncurrent loans to loans | 2.3460% | 1,874 |
| Net loans and leases to total assets | 68.1975% | 2,261 |
| Net loans and leases to deposits | 76.1216% | 2,947 |
| Net loans and leases to core deposits | 77.1777% | 3,474 |
| Total domestic deposits to total assets | 89.5902% | 1,232 |
| Equity capital to assets | 9.0041% | 5,183 |
| Core capital (leverage) ratio | 9.0558% | 5,039 |
| Tier 1 risk-based capital ratio | 14.2116% | 4,278 |
| Total risk-based capital ratio | 15.4637% | 4,223 |
| Memoranda: | ||
| Average total assets | $439,516,500 | 1,517 |
| Average earning assets | $398,786,750 | 1,524 |
| Average equity | $39,435,750 | 1,783 |
| Average total loans | $306,816,250 | 1,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,993 |
| Cost of funding earning assets | 0.3238% | 5,631 |
| Net interest margin | 3.7096% | 2,920 |
| Noninterest income to average assets | 1.0835% | 1,305 |
| Noninterest expense to average assets | 3.2859% | 2,109 |
| Loan and lease loss provision to assets | 0.3119% | 1,140 |
| Net operating income to assets | 0.5910% | 4,334 |
| Return on assets (ROA) | 0.5910% | 4,521 |
| Pretax return on assets | 0.8550% | 4,092 |
| Return on Equity (ROE) | 6.5943% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.5943% | 2,095 |
| Net charge-offs to loans | 0.5169% | 1,270 |
| Credit loss provision to net charge-offs | 86.1461% | 2,516 |
| Earnings coverage of net charge-offs (x) | 3.2229% | 3,452 |
| Efficiency ratio | 73.7942% | 3,169 |
| Assets per employee ($millions) | 3.2172% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,966 |
| Loan loss allowance to noncurrent loans | 45.2308% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2152% | 1,948 |
| Noncurrent loans to loans | 2.6636% | 1,717 |
| Net loans and leases to total assets | 67.8794% | 2,267 |
| Net loans and leases to deposits | 75.6324% | 2,930 |
| Net loans and leases to core deposits | 76.8716% | 3,442 |
| Total domestic deposits to total assets | 89.7491% | 1,175 |
| Equity capital to assets | 8.9017% | 5,325 |
| Core capital (leverage) ratio | 8.9190% | 5,117 |
| Tier 1 risk-based capital ratio | 14.1214% | 4,346 |
| Total risk-based capital ratio | 15.3720% | 4,303 |
| Memoranda: | ||
| Average total assets | $438,596,330 | 1,515 |
| Average earning assets | $398,377,000 | 1,527 |
| Average equity | $39,306,670 | 1,786 |
| Average total loans | $307,214,670 | 1,376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 3,831 |
| Cost of funding earning assets | 0.3386% | 5,650 |
| Net interest margin | 3.7341% | 2,718 |
| Noninterest income to average assets | 0.9764% | 1,531 |
| Noninterest expense to average assets | 3.2998% | 2,086 |
| Loan and lease loss provision to assets | 0.2111% | 1,754 |
| Net operating income to assets | 0.5735% | 4,342 |
| Return on assets (ROA) | 0.5735% | 4,491 |
| Pretax return on assets | 0.8552% | 3,935 |
| Return on Equity (ROE) | 6.3776% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.3776% | 2,466 |
| Net charge-offs to loans | 0.5462% | 1,105 |
| Credit loss provision to net charge-offs | 54.6318% | 2,537 |
| Earnings coverage of net charge-offs (x) | 2.7601% | 2,946 |
| Efficiency ratio | 75.5780% | 2,999 |
| Assets per employee ($millions) | 3.1254% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 5,336 |
| Loan loss allowance to noncurrent loans | 45.6671% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2758% | 2,051 |
| Noncurrent loans to loans | 2.5581% | 2,019 |
| Net loans and leases to total assets | 69.4888% | 1,758 |
| Net loans and leases to deposits | 77.5895% | 2,404 |
| Net loans and leases to core deposits | 79.1299% | 2,912 |
| Total domestic deposits to total assets | 89.5596% | 1,319 |
| Equity capital to assets | 9.0280% | 5,449 |
| Core capital (leverage) ratio | 8.8969% | 5,061 |
| Tier 1 risk-based capital ratio | 13.8578% | 4,610 |
| Total risk-based capital ratio | 15.1083% | 4,569 |
| Memoranda: | ||
| Average total assets | $435,909,000 | 1,544 |
| Average earning assets | $395,700,000 | 1,550 |
| Average equity | $39,199,500 | 1,808 |
| Average total loans | $308,302,000 | 1,380 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 3,613 |
| Cost of funding earning assets | 0.4184% | 5,798 |
| Net interest margin | 4.0308% | 2,271 |
| Noninterest income to average assets | 0.9758% | 1,610 |
| Noninterest expense to average assets | 3.2919% | 2,364 |
| Loan and lease loss provision to assets | 0.3494% | 1,910 |
| Net operating income to assets | 0.6579% | 3,950 |
| Return on assets (ROA) | 0.7040% | 3,971 |
| Pretax return on assets | 1.0623% | 3,307 |
| Return on Equity (ROE) | 7.9897% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.9897% | 1,124 |
| Net charge-offs to loans | 0.9583% | 1,151 |
| Credit loss provision to net charge-offs | 49.4180% | 4,719 |
| Earnings coverage of net charge-offs (x) | 1.8979% | 4,473 |
| Efficiency ratio | 71.0407% | 3,615 |
| Assets per employee ($millions) | 3.0798% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,997 |
| Loan loss allowance to noncurrent loans | 52.2141% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 2,489 |
| Noncurrent loans to loans | 2.3463% | 2,291 |
| Net loans and leases to total assets | 70.2738% | 1,789 |
| Net loans and leases to deposits | 78.5253% | 2,461 |
| Net loans and leases to core deposits | 79.9462% | 3,009 |
| Total domestic deposits to total assets | 89.4919% | 1,247 |
| Equity capital to assets | 8.9569% | 5,568 |
| Core capital (leverage) ratio | 8.8219% | 5,144 |
| Tier 1 risk-based capital ratio | 13.7973% | 4,536 |
| Total risk-based capital ratio | 15.0451% | 4,487 |
| Memoranda: | ||
| Average total assets | $425,292,200 | 1,543 |
| Average earning assets | $385,954,000 | 1,559 |
| Average equity | $37,473,400 | 1,854 |
| Average total loans | $313,773,200 | 1,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 3,549 |
| Cost of funding earning assets | 0.4326% | 5,922 |
| Net interest margin | 4.0899% | 2,124 |
| Noninterest income to average assets | 0.9433% | 1,694 |
| Noninterest expense to average assets | 3.2730% | 2,352 |
| Loan and lease loss provision to assets | 0.4135% | 1,547 |
| Net operating income to assets | 0.6410% | 4,189 |
| Return on assets (ROA) | 0.7028% | 4,142 |
| Pretax return on assets | 1.0630% | 3,489 |
| Return on Equity (ROE) | 8.0103% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.0103% | 1,613 |
| Net charge-offs to loans | 0.3408% | 2,749 |
| Credit loss provision to net charge-offs | 162.9814% | 1,707 |
| Earnings coverage of net charge-offs (x) | 5.4509% | 3,021 |
| Efficiency ratio | 70.2972% | 3,636 |
| Assets per employee ($millions) | 3.2079% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 2,566 |
| Loan loss allowance to noncurrent loans | 56.7842% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.5497% | 2,069 |
| Noncurrent loans to loans | 3.3000% | 1,666 |
| Net loans and leases to total assets | 70.2889% | 1,857 |
| Net loans and leases to deposits | 78.3870% | 2,609 |
| Net loans and leases to core deposits | 79.8569% | 3,223 |
| Total domestic deposits to total assets | 89.6691% | 1,036 |
| Equity capital to assets | 8.8258% | 5,997 |
| Core capital (leverage) ratio | 8.6713% | 5,518 |
| Tier 1 risk-based capital ratio | 13.3456% | 4,992 |
| Total risk-based capital ratio | 14.5910% | 4,958 |
| Memoranda: | ||
| Average total assets | $423,051,000 | 1,571 |
| Average earning assets | $384,028,500 | 1,575 |
| Average equity | $37,117,750 | 1,892 |
| Average total loans | $314,978,000 | 1,347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 3,294 |
| Cost of funding earning assets | 0.4556% | 5,935 |
| Net interest margin | 4.1606% | 1,866 |
| Noninterest income to average assets | 0.9435% | 1,634 |
| Noninterest expense to average assets | 3.3466% | 2,165 |
| Loan and lease loss provision to assets | 0.4765% | 1,332 |
| Net operating income to assets | 0.6004% | 4,368 |
| Return on assets (ROA) | 0.6004% | 4,621 |
| Pretax return on assets | 0.8973% | 4,087 |
| Return on Equity (ROE) | 6.8572% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.8572% | 2,184 |
| Net charge-offs to loans | 0.4808% | 2,146 |
| Credit loss provision to net charge-offs | 131.4060% | 2,088 |
| Earnings coverage of net charge-offs (x) | 3.7884% | 3,268 |
| Efficiency ratio | 70.8964% | 3,619 |
| Assets per employee ($millions) | 3.1603% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 3,026 |
| Loan loss allowance to noncurrent loans | 51.7982% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.7792% | 1,985 |
| Noncurrent loans to loans | 3.3783% | 1,715 |
| Net loans and leases to total assets | 72.4361% | 1,481 |
| Net loans and leases to deposits | 80.6221% | 2,293 |
| Net loans and leases to core deposits | 82.3226% | 2,922 |
| Total domestic deposits to total assets | 89.8465% | 1,018 |
| Equity capital to assets | 8.6891% | 6,036 |
| Core capital (leverage) ratio | 8.5133% | 5,635 |
| Tier 1 risk-based capital ratio | 12.7638% | 5,365 |
| Total risk-based capital ratio | 14.0254% | 5,329 |
| Memoranda: | ||
| Average total assets | $419,711,000 | 1,584 |
| Average earning assets | $381,007,000 | 1,588 |
| Average equity | $36,749,670 | 1,902 |
| Average total loans | $316,566,000 | 1,339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 2,697 |
| Cost of funding earning assets | 0.4643% | 6,056 |
| Net interest margin | 4.3189% | 1,410 |
| Noninterest income to average assets | 0.9617% | 1,533 |
| Noninterest expense to average assets | 3.6367% | 1,488 |
| Loan and lease loss provision to assets | 0.3617% | 1,749 |
| Net operating income to assets | 0.5875% | 4,403 |
| Return on assets (ROA) | 0.5875% | 4,623 |
| Pretax return on assets | 0.8759% | 4,124 |
| Return on Equity (ROE) | 6.6829% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.6829% | 2,592 |
| Net charge-offs to loans | 0.4121% | 2,067 |
| Credit loss provision to net charge-offs | 115.0307% | 2,056 |
| Earnings coverage of net charge-offs (x) | 3.9356% | 2,711 |
| Efficiency ratio | 74.6091% | 3,003 |
| Assets per employee ($millions) | 3.1013% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,408 |
| Loan loss allowance to noncurrent loans | 52.5464% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.8923% | 2,010 |
| Noncurrent loans to loans | 3.2069% | 2,003 |
| Net loans and leases to total assets | 74.6249% | 969 |
| Net loans and leases to deposits | 83.3105% | 1,750 |
| Net loans and leases to core deposits | 84.6440% | 2,457 |
| Total domestic deposits to total assets | 89.5744% | 1,322 |
| Equity capital to assets | 8.7778% | 5,778 |
| Core capital (leverage) ratio | 8.5850% | 5,459 |
| Tier 1 risk-based capital ratio | 12.4848% | 5,617 |
| Total risk-based capital ratio | 13.6024% | 5,680 |
| Memoranda: | ||
| Average total assets | $414,666,000 | 1,601 |
| Average earning assets | $375,649,500 | 1,615 |
| Average equity | $36,451,500 | 1,907 |
| Average total loans | $316,411,000 | 1,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 3,002 |
| Cost of funding earning assets | 0.6121% | 6,033 |
| Net interest margin | 4.3614% | 1,508 |
| Noninterest income to average assets | 1.1075% | 1,081 |
| Noninterest expense to average assets | 3.7028% | 1,533 |
| Loan and lease loss provision to assets | 0.5482% | 1,902 |
| Net operating income to assets | 0.6607% | 3,693 |
| Return on assets (ROA) | 0.6607% | 3,872 |
| Pretax return on assets | 0.8222% | 3,903 |
| Return on Equity (ROE) | 7.7638% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.7638% | 1,167 |
| Net charge-offs to loans | 0.7134% | 2,377 |
| Credit loss provision to net charge-offs | 99.5982% | 3,588 |
| Earnings coverage of net charge-offs (x) | 2.4897% | 3,969 |
| Efficiency ratio | 72.9875% | 3,392 |
| Assets per employee ($millions) | 3.0196% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,376 |
| Loan loss allowance to noncurrent loans | 31.3195% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 2.8113% | 2,148 |
| Noncurrent loans to loans | 3.0527% | 2,122 |
| Net loans and leases to total assets | 75.9805% | 955 |
| Net loans and leases to deposits | 84.7688% | 1,834 |
| Net loans and leases to core deposits | 86.0879% | 2,621 |
| Total domestic deposits to total assets | 89.6326% | 1,183 |
| Equity capital to assets | 8.8036% | 5,790 |
| Core capital (leverage) ratio | 8.6214% | 5,359 |
| Tier 1 risk-based capital ratio | 12.3548% | 5,577 |
| Total risk-based capital ratio | 13.4080% | 5,699 |
| Memoranda: | ||
| Average total assets | $406,966,400 | 1,596 |
| Average earning assets | $370,038,000 | 1,601 |
| Average equity | $34,635,000 | 1,936 |
| Average total loans | $313,971,600 | 1,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 3,136 |
| Cost of funding earning assets | 0.6522% | 6,021 |
| Net interest margin | 4.3382% | 1,591 |
| Noninterest income to average assets | 1.1391% | 1,018 |
| Noninterest expense to average assets | 3.8323% | 1,263 |
| Loan and lease loss provision to assets | 0.4269% | 2,336 |
| Net operating income to assets | 0.7007% | 3,620 |
| Return on assets (ROA) | 0.7007% | 3,785 |
| Pretax return on assets | 0.8291% | 4,021 |
| Return on Equity (ROE) | 8.3060% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.3060% | 1,390 |
| Net charge-offs to loans | 0.6307% | 2,357 |
| Credit loss provision to net charge-offs | 87.6011% | 3,867 |
| Earnings coverage of net charge-offs (x) | 2.5775% | 3,828 |
| Efficiency ratio | 75.3162% | 2,959 |
| Assets per employee ($millions) | 2.9695% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,588 |
| Loan loss allowance to noncurrent loans | 27.2317% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 3.0262% | 2,122 |
| Noncurrent loans to loans | 3.3121% | 2,081 |
| Net loans and leases to total assets | 75.5172% | 1,054 |
| Net loans and leases to deposits | 84.0950% | 1,987 |
| Net loans and leases to core deposits | 85.3633% | 2,863 |
| Total domestic deposits to total assets | 89.7998% | 978 |
| Equity capital to assets | 8.6313% | 6,168 |
| Core capital (leverage) ratio | 8.4449% | 5,783 |
| Tier 1 risk-based capital ratio | 12.1542% | 5,776 |
| Total risk-based capital ratio | 13.1455% | 5,948 |
| Memoranda: | ||
| Average total assets | $406,042,500 | 1,606 |
| Average earning assets | $369,636,500 | 1,613 |
| Average equity | $34,255,500 | 1,958 |
| Average total loans | $313,705,750 | 1,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 3,007 |
| Cost of funding earning assets | 0.6988% | 5,970 |
| Net interest margin | 4.3323% | 1,560 |
| Noninterest income to average assets | 0.8366% | 1,856 |
| Noninterest expense to average assets | 3.3204% | 2,497 |
| Loan and lease loss provision to assets | 0.4458% | 2,203 |
| Net operating income to assets | 0.6706% | 3,683 |
| Return on assets (ROA) | 0.6706% | 3,804 |
| Pretax return on assets | 1.0163% | 3,176 |
| Return on Equity (ROE) | 8.0122% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.0122% | 1,460 |
| Net charge-offs to loans | 0.3663% | 3,084 |
| Credit loss provision to net charge-offs | 156.7944% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.1429% | 2,683 |
| Efficiency ratio | 69.4283% | 4,228 |
| Assets per employee ($millions) | 3.1259% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 6,031 |
| Loan loss allowance to noncurrent loans | 43.8794% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 2,738 |
| Noncurrent loans to loans | 2.4641% | 2,924 |
| Net loans and leases to total assets | 75.7603% | 1,111 |
| Net loans and leases to deposits | 84.3162% | 2,060 |
| Net loans and leases to core deposits | 85.3599% | 3,019 |
| Total domestic deposits to total assets | 89.8526% | 1,046 |
| Equity capital to assets | 8.4617% | 6,228 |
| Core capital (leverage) ratio | 8.3182% | 5,839 |
| Tier 1 risk-based capital ratio | 11.8828% | 5,874 |
| Total risk-based capital ratio | 13.0676% | 5,910 |
| Memoranda: | ||
| Average total assets | $403,801,000 | 1,627 |
| Average earning assets | $367,794,330 | 1,631 |
| Average equity | $33,798,330 | 1,968 |
| Average total loans | $313,425,330 | 1,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 2,892 |
| Cost of funding earning assets | 0.7250% | 6,005 |
| Net interest margin | 4.3183% | 1,509 |
| Noninterest income to average assets | 0.8161% | 1,966 |
| Noninterest expense to average assets | 3.4298% | 2,195 |
| Loan and lease loss provision to assets | 0.4489% | 1,963 |
| Net operating income to assets | 0.5806% | 4,131 |
| Return on assets (ROA) | 0.5806% | 4,199 |
| Pretax return on assets | 0.8769% | 3,587 |
| Return on Equity (ROE) | 6.9758% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.9758% | 2,154 |
| Net charge-offs to loans | 0.4992% | 2,226 |
| Credit loss provision to net charge-offs | 115.0895% | 2,343 |
| Earnings coverage of net charge-offs (x) | 3.3990% | 2,751 |
| Efficiency ratio | 72.1208% | 3,836 |
| Assets per employee ($millions) | 3.0841% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,402 |
| Loan loss allowance to noncurrent loans | 35.1452% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.7101% | 2,544 |
| Noncurrent loans to loans | 2.8425% | 2,656 |
| Net loans and leases to total assets | 76.6034% | 944 |
| Net loans and leases to deposits | 85.1865% | 1,853 |
| Net loans and leases to core deposits | 86.6211% | 2,788 |
| Total domestic deposits to total assets | 89.9243% | 1,192 |
| Equity capital to assets | 8.3414% | 6,119 |
| Core capital (leverage) ratio | 8.2364% | 5,926 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,920 |
| Total risk-based capital ratio | 12.8241% | 6,034 |
| Memoranda: | ||
| Average total assets | $400,955,000 | 1,648 |
| Average earning assets | $365,792,500 | 1,648 |
| Average equity | $33,372,500 | 1,977 |
| Average total loans | $313,326,000 | 1,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 3,681 |
| Cost of funding earning assets | 0.8574% | 6,344 |
| Net interest margin | 4.3263% | 1,727 |
| Noninterest income to average assets | 0.9423% | 1,695 |
| Noninterest expense to average assets | 3.2776% | 2,804 |
| Loan and lease loss provision to assets | 0.5267% | 3,045 |
| Net operating income to assets | 0.7236% | 3,134 |
| Return on assets (ROA) | 0.7240% | 3,260 |
| Pretax return on assets | 1.0949% | 2,598 |
| Return on Equity (ROE) | 8.8847% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.8847% | 739 |
| Net charge-offs to loans | 0.8064% | 2,615 |
| Credit loss provision to net charge-offs | 82.8283% | 5,454 |
| Earnings coverage of net charge-offs (x) | 2.5495% | 3,836 |
| Efficiency ratio | 66.9079% | 4,775 |
| Assets per employee ($millions) | 3.0144% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 6,471 |
| Loan loss allowance to noncurrent loans | 39.4845% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.4629% | 2,812 |
| Noncurrent loans to loans | 2.4710% | 3,053 |
| Net loans and leases to total assets | 78.1553% | 921 |
| Net loans and leases to deposits | 86.9803% | 1,941 |
| Net loans and leases to core deposits | 88.5455% | 2,973 |
| Total domestic deposits to total assets | 89.8540% | 1,186 |
| Equity capital to assets | 8.3049% | 6,141 |
| Core capital (leverage) ratio | 8.2156% | 5,803 |
| Tier 1 risk-based capital ratio | 11.5629% | 5,853 |
| Total risk-based capital ratio | 12.6477% | 5,990 |
| Memoranda: | ||
| Average total assets | $389,247,400 | 1,692 |
| Average earning assets | $355,965,800 | 1,685 |
| Average equity | $31,717,400 | 2,069 |
| Average total loans | $306,919,000 | 1,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 4,000 |
| Cost of funding earning assets | 0.8928% | 6,419 |
| Net interest margin | 4.2753% | 1,936 |
| Noninterest income to average assets | 0.9090% | 1,765 |
| Noninterest expense to average assets | 3.2416% | 2,772 |
| Loan and lease loss provision to assets | 0.5081% | 2,918 |
| Net operating income to assets | 0.7116% | 3,361 |
| Return on assets (ROA) | 0.7123% | 3,515 |
| Pretax return on assets | 1.0743% | 2,913 |
| Return on Equity (ROE) | 8.7851% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7851% | 1,124 |
| Net charge-offs to loans | 0.9866% | 2,030 |
| Credit loss provision to net charge-offs | 65.3233% | 5,552 |
| Earnings coverage of net charge-offs (x) | 2.0332% | 4,198 |
| Efficiency ratio | 67.2118% | 4,621 |
| Assets per employee ($millions) | 3.0001% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,826 |
| Loan loss allowance to noncurrent loans | 29.1416% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 2.6320% | 2,749 |
| Noncurrent loans to loans | 2.9991% | 2,657 |
| Net loans and leases to total assets | 77.5861% | 1,110 |
| Net loans and leases to deposits | 86.2849% | 2,275 |
| Net loans and leases to core deposits | 87.8450% | 3,387 |
| Total domestic deposits to total assets | 89.9185% | 921 |
| Equity capital to assets | 8.2497% | 6,562 |
| Core capital (leverage) ratio | 8.0754% | 6,238 |
| Tier 1 risk-based capital ratio | 11.3756% | 6,037 |
| Total risk-based capital ratio | 12.3410% | 6,287 |
| Memoranda: | ||
| Average total assets | $387,084,500 | 1,722 |
| Average earning assets | $354,371,750 | 1,710 |
| Average equity | $31,385,500 | 2,103 |
| Average total loans | $305,138,000 | 1,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 4,154 |
| Cost of funding earning assets | 0.9167% | 6,510 |
| Net interest margin | 4.2412% | 2,012 |
| Noninterest income to average assets | 0.8269% | 1,986 |
| Noninterest expense to average assets | 3.2116% | 2,862 |
| Loan and lease loss provision to assets | 0.5207% | 2,706 |
| Net operating income to assets | 0.6561% | 3,604 |
| Return on assets (ROA) | 0.6571% | 3,750 |
| Pretax return on assets | 0.9820% | 3,192 |
| Return on Equity (ROE) | 8.1532% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.1532% | 1,394 |
| Net charge-offs to loans | 0.0751% | 5,394 |
| Credit loss provision to net charge-offs | 877.1930% | 430 |
| Earnings coverage of net charge-offs (x) | 25.2895% | 1,042 |
| Efficiency ratio | 68.1472% | 4,556 |
| Assets per employee ($millions) | 3.0229% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,358 |
| Loan loss allowance to noncurrent loans | 35.0946% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 3.3899% | 2,072 |
| Noncurrent loans to loans | 4.0288% | 1,876 |
| Net loans and leases to total assets | 78.2640% | 1,071 |
| Net loans and leases to deposits | 86.9675% | 2,345 |
| Net loans and leases to core deposits | 88.7956% | 3,440 |
| Total domestic deposits to total assets | 89.9922% | 921 |
| Equity capital to assets | 8.1381% | 6,612 |
| Core capital (leverage) ratio | 7.9920% | 6,285 |
| Tier 1 risk-based capital ratio | 11.8454% | 5,454 |
| Total risk-based capital ratio | 13.1005% | 5,413 |
| Memoranda: | ||
| Average total assets | $384,108,000 | 1,749 |
| Average earning assets | $351,927,330 | 1,736 |
| Average equity | $30,957,330 | 2,129 |
| Average total loans | $303,530,330 | 1,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 4,125 |
| Cost of funding earning assets | 0.9210% | 6,695 |
| Net interest margin | 4.2598% | 1,825 |
| Noninterest income to average assets | 1.0053% | 1,287 |
| Noninterest expense to average assets | 3.2299% | 2,760 |
| Loan and lease loss provision to assets | 0.6559% | 1,934 |
| Net operating income to assets | 0.6810% | 3,518 |
| Return on assets (ROA) | 0.6810% | 3,638 |
| Pretax return on assets | 1.0168% | 3,027 |
| Return on Equity (ROE) | 8.4924% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.4924% | 1,537 |
| Net charge-offs to loans | 0.0226% | 5,259 |
| Credit loss provision to net charge-offs | 3,676.4706% | 131 |
| Earnings coverage of net charge-offs (x) | 93.7647% | 346 |
| Efficiency ratio | 65.8818% | 5,142 |
| Assets per employee ($millions) | 2.9834% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 4,589 |
| Loan loss allowance to noncurrent loans | 35.5172% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 3.4415% | 2,048 |
| Noncurrent loans to loans | 3.8499% | 2,060 |
| Net loans and leases to total assets | 79.9036% | 855 |
| Net loans and leases to deposits | 88.0337% | 2,221 |
| Net loans and leases to core deposits | 89.7416% | 3,398 |
| Total domestic deposits to total assets | 90.7648% | 624 |
| Equity capital to assets | 8.2921% | 6,312 |
| Core capital (leverage) ratio | 8.1889% | 5,927 |
| Tier 1 risk-based capital ratio | 11.7672% | 5,438 |
| Total risk-based capital ratio | 13.0128% | 5,377 |
| Memoranda: | ||
| Average total assets | $381,184,000 | 1,808 |
| Average earning assets | $348,748,000 | 1,792 |
| Average equity | $30,568,500 | 2,183 |
| Average total loans | $300,509,500 | 1,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 4,394 |
| Cost of funding earning assets | 1.2307% | 6,545 |
| Net interest margin | 4.2283% | 1,978 |
| Noninterest income to average assets | 1.1471% | 1,171 |
| Noninterest expense to average assets | 3.5556% | 2,255 |
| Loan and lease loss provision to assets | 0.3114% | 4,959 |
| Net operating income to assets | 0.7517% | 2,714 |
| Return on assets (ROA) | 0.7703% | 2,728 |
| Pretax return on assets | 1.1553% | 2,079 |
| Return on Equity (ROE) | 9.4368% | 1,873 |
| Retained earnings to average equity (ytd only) | 9.4368% | 438 |
| Net charge-offs to loans | 0.0594% | 6,500 |
| Credit loss provision to net charge-offs | 647.0588% | 453 |
| Earnings coverage of net charge-offs (x) | 29.9000% | 767 |
| Efficiency ratio | 71.1897% | 4,415 |
| Assets per employee ($millions) | 3.1156% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 5,480 |
| Loan loss allowance to noncurrent loans | 42.8902% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 2.4181% | 2,877 |
| Noncurrent loans to loans | 2.7480% | 2,814 |
| Net loans and leases to total assets | 75.8479% | 1,840 |
| Net loans and leases to deposits | 88.1010% | 2,543 |
| Net loans and leases to core deposits | 95.6775% | 4,497 |
| Total domestic deposits to total assets | 86.0920% | 2,970 |
| Equity capital to assets | 7.7582% | 6,809 |
| Core capital (leverage) ratio | 7.6714% | 6,584 |
| Tier 1 risk-based capital ratio | 11.4729% | 5,416 |
| Total risk-based capital ratio | 12.7241% | 5,385 |
| Memoranda: | ||
| Average total assets | $353,249,600 | 1,923 |
| Average earning assets | $321,432,200 | 1,937 |
| Average equity | $28,833,800 | 2,313 |
| Average total loans | $286,302,000 | 1,673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 4,021 |
| Cost of funding earning assets | 1.3134% | 6,518 |
| Net interest margin | 4.2590% | 1,846 |
| Noninterest income to average assets | 1.1907% | 1,096 |
| Noninterest expense to average assets | 3.5846% | 2,060 |
| Loan and lease loss provision to assets | 0.3196% | 4,430 |
| Net operating income to assets | 0.7702% | 2,937 |
| Return on assets (ROA) | 0.7956% | 2,895 |
| Pretax return on assets | 1.1946% | 2,281 |
| Return on Equity (ROE) | 9.6129% | 2,063 |
| Retained earnings to average equity (ytd only) | 9.6129% | 704 |
| Net charge-offs to loans | 0.0250% | 6,536 |
| Credit loss provision to net charge-offs | 1,556.6038% | 250 |
| Earnings coverage of net charge-offs (x) | 71.9107% | 469 |
| Efficiency ratio | 70.8305% | 4,451 |
| Assets per employee ($millions) | 2.9227% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,274 |
| Loan loss allowance to noncurrent loans | 43.2446% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 2,877 |
| Noncurrent loans to loans | 2.7139% | 2,791 |
| Net loans and leases to total assets | 78.1609% | 1,538 |
| Net loans and leases to deposits | 85.9887% | 3,318 |
| Net loans and leases to core deposits | 93.4931% | 5,073 |
| Total domestic deposits to total assets | 90.8967% | 450 |
| Equity capital to assets | 8.2283% | 6,602 |
| Core capital (leverage) ratio | 8.0668% | 6,243 |
| Tier 1 risk-based capital ratio | 11.7862% | 5,162 |
| Total risk-based capital ratio | 13.0373% | 5,109 |
| Memoranda: | ||
| Average total assets | $344,200,750 | 1,995 |
| Average earning assets | $312,772,500 | 2,016 |
| Average equity | $28,488,750 | 2,359 |
| Average total loans | $283,150,250 | 1,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 3,604 |
| Cost of funding earning assets | 1.4233% | 6,406 |
| Net interest margin | 4.2660% | 1,759 |
| Noninterest income to average assets | 1.1161% | 1,274 |
| Noninterest expense to average assets | 3.6093% | 2,045 |
| Loan and lease loss provision to assets | 0.3253% | 3,990 |
| Net operating income to assets | 0.6970% | 3,269 |
| Return on assets (ROA) | 0.7358% | 3,214 |
| Pretax return on assets | 1.0972% | 2,646 |
| Return on Equity (ROE) | 8.8716% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.8716% | 970 |
| Net charge-offs to loans | 0.0156% | 6,311 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 104.8636% | 366 |
| Efficiency ratio | 72.5651% | 4,286 |
| Assets per employee ($millions) | 2.7121% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,045 |
| Loan loss allowance to noncurrent loans | 42.6988% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 2.6231% | 2,448 |
| Noncurrent loans to loans | 2.7750% | 2,591 |
| Net loans and leases to total assets | 81.4166% | 1,067 |
| Net loans and leases to deposits | 89.5601% | 2,891 |
| Net loans and leases to core deposits | 94.7047% | 5,038 |
| Total domestic deposits to total assets | 90.9072% | 487 |
| Equity capital to assets | 8.2591% | 6,405 |
| Core capital (leverage) ratio | 8.1819% | 6,006 |
| Tier 1 risk-based capital ratio | 11.3462% | 5,554 |
| Total risk-based capital ratio | 12.5968% | 5,456 |
| Memoranda: | ||
| Average total assets | $338,128,330 | 2,049 |
| Average earning assets | $305,768,670 | 2,080 |
| Average equity | $28,044,670 | 2,404 |
| Average total loans | $281,989,330 | 1,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 3,816 |
| Cost of funding earning assets | 1.5385% | 6,281 |
| Net interest margin | 4.1598% | 2,051 |
| Noninterest income to average assets | 0.8669% | 2,004 |
| Noninterest expense to average assets | 3.2996% | 2,656 |
| Loan and lease loss provision to assets | 0.2098% | 4,343 |
| Net operating income to assets | 0.7402% | 3,392 |
| Return on assets (ROA) | 0.8189% | 3,204 |
| Pretax return on assets | 1.2289% | 2,521 |
| Return on Equity (ROE) | 9.8516% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.8516% | 1,230 |
| Net charge-offs to loans | 0.0029% | 5,693 |
| Credit loss provision to net charge-offs | 8,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 551.0000% | 45 |
| Efficiency ratio | 71.4063% | 4,289 |
| Assets per employee ($millions) | 2.5275% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,682 |
| Loan loss allowance to noncurrent loans | 31.4632% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 2.8686% | 1,985 |
| Noncurrent loans to loans | 3.4038% | 1,881 |
| Net loans and leases to total assets | 83.3743% | 791 |
| Net loans and leases to deposits | 93.8054% | 2,302 |
| Net loans and leases to core deposits | 100.0243% | 4,537 |
| Total domestic deposits to total assets | 88.8801% | 1,286 |
| Equity capital to assets | 8.3489% | 6,315 |
| Core capital (leverage) ratio | 8.2826% | 5,935 |
| Tier 1 risk-based capital ratio | 11.3862% | 5,518 |
| Total risk-based capital ratio | 12.6279% | 5,427 |
| Memoranda: | ||
| Average total assets | $333,620,500 | 2,088 |
| Average earning assets | $301,070,500 | 2,120 |
| Average equity | $27,731,500 | 2,437 |
| Average total loans | $279,973,000 | 1,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9297% | 5,900 |
| Cost of funding earning assets | 1.8576% | 6,853 |
| Net interest margin | 4.0722% | 2,823 |
| Noninterest income to average assets | 1.0450% | 1,443 |
| Noninterest expense to average assets | 3.4612% | 2,494 |
| Loan and lease loss provision to assets | 0.1413% | 5,543 |
| Net operating income to assets | 0.7294% | 3,757 |
| Return on assets (ROA) | 0.7559% | 3,480 |
| Pretax return on assets | 1.1232% | 2,938 |
| Return on Equity (ROE) | 9.2639% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.2639% | 564 |
| Net charge-offs to loans | 0.0329% | 6,364 |
| Credit loss provision to net charge-offs | 542.1687% | 808 |
| Earnings coverage of net charge-offs (x) | 47.0120% | 792 |
| Efficiency ratio | 73.8612% | 3,602 |
| Assets per employee ($millions) | 2.6487% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 5,754 |
| Loan loss allowance to noncurrent loans | 46.9622% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0348% | 2,419 |
| Noncurrent loans to loans | 2.2014% | 2,511 |
| Net loans and leases to total assets | 82.6931% | 1,102 |
| Net loans and leases to deposits | 97.0934% | 2,279 |
| Net loans and leases to core deposits | 103.4959% | 4,440 |
| Total domestic deposits to total assets | 85.1686% | 2,769 |
| Equity capital to assets | 8.2752% | 6,449 |
| Core capital (leverage) ratio | 8.2047% | 6,156 |
| Tier 1 risk-based capital ratio | 11.3105% | 5,428 |
| Total risk-based capital ratio | 12.5022% | 5,367 |
| Memoranda: | ||
| Average total assets | $318,563,200 | 2,099 |
| Average earning assets | $284,836,200 | 2,142 |
| Average equity | $25,993,400 | 2,561 |
| Average total loans | $251,941,600 | 1,896 |