Home > Walpole Co-operative Bank > Performance and Condition Ratios
Walpole Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 3,176 |
| Cost of funding earning assets | 1.8572% | 1,150 |
| Net interest margin | 2.6004% | 3,962 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.1475% | 3,262 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.2961% | 4,031 |
| Return on assets (ROA) | 0.2961% | 4,029 |
| Pretax return on assets | 0.4136% | 3,940 |
| Return on Equity (ROE) | 1.5800% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.5783% | 3,686 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.5130% | 689 |
| Assets per employee ($millions) | 13.4138% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,285 |
| Loan loss allowance to noncurrent loans | 299.3900% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 1,394 |
| Noncurrent loans to loans | 0.4767% | 1,593 |
| Net loans and leases to total assets | 82.2800% | 405 |
| Net loans and leases to deposits | 108.5518% | 228 |
| Net loans and leases to core deposits | 140.6821% | 274 |
| Total domestic deposits to total assets | 75.8000% | 3,959 |
| Equity capital to assets | 19.1167% | 311 |
| Core capital (leverage) ratio | 19.3096% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $577,182,000 | 1,532 |
| Average earning assets | $560,792,600 | 1,465 |
| Average equity | $108,278,600 | 896 |
| Average total loans | $488,150,800 | 1,256 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 3,169 |
| Cost of funding earning assets | 1.7139% | 1,162 |
| Net interest margin | 2.6505% | 3,945 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.1068% | 3,340 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3610% | 4,026 |
| Return on assets (ROA) | 0.3610% | 4,031 |
| Pretax return on assets | 0.5040% | 3,900 |
| Return on Equity (ROE) | 1.9300% | 4,201 |
| Retained earnings to average equity (ytd only) | 1.9335% | 3,738 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.3771% | 839 |
| Assets per employee ($millions) | 14.3790% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,496 |
| Loan loss allowance to noncurrent loans | 253.3629% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 1,235 |
| Noncurrent loans to loans | 0.5477% | 1,455 |
| Net loans and leases to total assets | 84.7100% | 231 |
| Net loans and leases to deposits | 112.5301% | 153 |
| Net loans and leases to core deposits | 143.9391% | 179 |
| Total domestic deposits to total assets | 75.2800% | 4,071 |
| Equity capital to assets | 18.9340% | 313 |
| Core capital (leverage) ratio | 19.6036% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $577,278,750 | 1,534 |
| Average earning assets | $560,728,500 | 1,464 |
| Average equity | $107,782,250 | 894 |
| Average total loans | $489,824,750 | 1,249 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 3,340 |
| Cost of funding earning assets | 1.5843% | 1,098 |
| Net interest margin | 2.5954% | 4,114 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1046% | 3,332 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3917% | 4,017 |
| Return on assets (ROA) | 0.3917% | 4,032 |
| Pretax return on assets | 0.5465% | 3,887 |
| Return on Equity (ROE) | 2.1000% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.1022% | 3,705 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.0761% | 908 |
| Assets per employee ($millions) | 14.5451% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,589 |
| Loan loss allowance to noncurrent loans | 258.6389% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 1,179 |
| Noncurrent loans to loans | 0.5349% | 1,390 |
| Net loans and leases to total assets | 83.8200% | 284 |
| Net loans and leases to deposits | 111.0570% | 187 |
| Net loans and leases to core deposits | 140.0034% | 212 |
| Total domestic deposits to total assets | 75.4800% | 4,088 |
| Equity capital to assets | 18.6110% | 323 |
| Core capital (leverage) ratio | 19.2163% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $577,494,000 | 1,538 |
| Average earning assets | $560,998,667 | 1,458 |
| Average equity | $107,600,000 | 887 |
| Average total loans | $488,403,000 | 1,235 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,410 |
| Cost of funding earning assets | 1.3784% | 1,070 |
| Net interest margin | 2.6446% | 4,155 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0927% | 3,397 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4262% | 4,046 |
| Return on assets (ROA) | 0.4262% | 3,995 |
| Pretax return on assets | 0.5951% | 3,850 |
| Return on Equity (ROE) | 2.2900% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.2860% | 3,652 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.5573% | 1,043 |
| Assets per employee ($millions) | 14.6031% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,673 |
| Loan loss allowance to noncurrent loans | 254.7015% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 1,108 |
| Noncurrent loans to loans | 0.5442% | 1,359 |
| Net loans and leases to total assets | 83.1400% | 289 |
| Net loans and leases to deposits | 109.4274% | 191 |
| Net loans and leases to core deposits | 136.6016% | 212 |
| Total domestic deposits to total assets | 75.9700% | 4,160 |
| Equity capital to assets | 18.4841% | 286 |
| Core capital (leverage) ratio | 19.2839% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $575,340,000 | 1,566 |
| Average earning assets | $559,484,000 | 1,490 |
| Average equity | $107,260,500 | 900 |
| Average total loans | $485,345,000 | 1,260 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 2,516 |
| Cost of funding earning assets | 0.4609% | 1,643 |
| Net interest margin | 3.2425% | 2,726 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0855% | 3,337 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8709% | 3,077 |
| Return on assets (ROA) | 0.8709% | 3,013 |
| Pretax return on assets | 1.2144% | 2,391 |
| Return on Equity (ROE) | 4.7000% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.6954% | 3,173 |
| Net charge-offs to loans | -0.0059% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.0968% | 2,619 |
| Assets per employee ($millions) | 14.9349% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,422 |
| Loan loss allowance to noncurrent loans | 248.5766% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 1,049 |
| Noncurrent loans to loans | 0.5729% | 1,298 |
| Net loans and leases to total assets | 83.0700% | 319 |
| Net loans and leases to deposits | 107.9313% | 198 |
| Net loans and leases to core deposits | 130.7647% | 219 |
| Total domestic deposits to total assets | 76.9600% | 4,178 |
| Equity capital to assets | 18.6264% | 270 |
| Core capital (leverage) ratio | 19.5903% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $563,308,400 | 1,575 |
| Average earning assets | $547,789,000 | 1,507 |
| Average equity | $104,486,200 | 917 |
| Average total loans | $459,235,400 | 1,255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,234 |
| Cost of funding earning assets | 0.3266% | 1,895 |
| Net interest margin | 3.3112% | 2,261 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.0728% | 3,289 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9198% | 2,795 |
| Return on assets (ROA) | 0.9198% | 2,763 |
| Pretax return on assets | 1.2831% | 2,098 |
| Return on Equity (ROE) | 4.9600% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.9643% | 3,112 |
| Net charge-offs to loans | -0.0079% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.6345% | 2,874 |
| Assets per employee ($millions) | 13.5871% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,403 |
| Loan loss allowance to noncurrent loans | 246.1511% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 1,074 |
| Noncurrent loans to loans | 0.5955% | 1,356 |
| Net loans and leases to total assets | 84.2500% | 224 |
| Net loans and leases to deposits | 104.9711% | 213 |
| Net loans and leases to core deposits | 123.0047% | 208 |
| Total domestic deposits to total assets | 80.2600% | 4,072 |
| Equity capital to assets | 19.2083% | 236 |
| Core capital (leverage) ratio | 19.6623% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $562,253,750 | 1,586 |
| Average earning assets | $547,062,250 | 1,517 |
| Average equity | $104,180,250 | 931 |
| Average total loans | $454,483,250 | 1,253 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 1,954 |
| Cost of funding earning assets | 0.3076% | 1,656 |
| Net interest margin | 3.2550% | 2,039 |
| Noninterest income to average assets | 0.1485% | 4,273 |
| Noninterest expense to average assets | 2.0541% | 3,284 |
| Loan and lease loss provision to assets | 0.0106% | 2,397 |
| Net operating income to assets | 0.8974% | 2,594 |
| Return on assets (ROA) | 0.8974% | 2,566 |
| Pretax return on assets | 1.2517% | 1,895 |
| Return on Equity (ROE) | 4.9006% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.9006% | 2,739 |
| Net charge-offs to loans | -0.0120% | 3,652 |
| Credit loss provision to net charge-offs | -111.1111% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9391% | 3,051 |
| Assets per employee ($millions) | 13.6894% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,363 |
| Loan loss allowance to noncurrent loans | 205.0888% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 947 |
| Noncurrent loans to loans | 0.7393% | 1,165 |
| Net loans and leases to total assets | 78.8265% | 497 |
| Net loans and leases to deposits | 97.4833% | 364 |
| Net loans and leases to core deposits | 112.7628% | 305 |
| Total domestic deposits to total assets | 80.8615% | 4,149 |
| Equity capital to assets | 18.5958% | 207 |
| Core capital (leverage) ratio | 18.9909% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,510,333 | 1,582 |
| Average earning assets | $553,297,333 | 1,508 |
| Average equity | $104,109,000 | 940 |
| Average total loans | $451,086,333 | 1,263 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 1,733 |
| Cost of funding earning assets | 0.3230% | 1,434 |
| Net interest margin | 3.1988% | 1,884 |
| Noninterest income to average assets | 0.1986% | 3,974 |
| Noninterest expense to average assets | 2.0569% | 3,280 |
| Loan and lease loss provision to assets | 0.0105% | 2,137 |
| Net operating income to assets | 0.8942% | 2,292 |
| Return on assets (ROA) | 0.8942% | 2,296 |
| Pretax return on assets | 1.2473% | 1,665 |
| Return on Equity (ROE) | 4.9203% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.9203% | 2,613 |
| Net charge-offs to loans | -0.0133% | 3,706 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0544% | 3,252 |
| Assets per employee ($millions) | 14.7646% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,482 |
| Loan loss allowance to noncurrent loans | 179.5659% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 899 |
| Noncurrent loans to loans | 0.8488% | 1,103 |
| Net loans and leases to total assets | 76.1230% | 500 |
| Net loans and leases to deposits | 93.1699% | 397 |
| Net loans and leases to core deposits | 109.5923% | 269 |
| Total domestic deposits to total assets | 81.7033% | 4,114 |
| Equity capital to assets | 18.0042% | 228 |
| Core capital (leverage) ratio | 18.6930% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,132,000 | 1,576 |
| Average earning assets | $557,334,000 | 1,511 |
| Average equity | $103,977,500 | 963 |
| Average total loans | $452,010,500 | 1,253 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 2,003 |
| Cost of funding earning assets | 0.5241% | 821 |
| Net interest margin | 3.2166% | 2,568 |
| Noninterest income to average assets | 0.0879% | 4,647 |
| Noninterest expense to average assets | 2.0154% | 3,634 |
| Loan and lease loss provision to assets | 0.0369% | 2,305 |
| Net operating income to assets | 0.8296% | 3,236 |
| Return on assets (ROA) | 0.8296% | 3,314 |
| Pretax return on assets | 1.1571% | 2,796 |
| Return on Equity (ROE) | 4.6096% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.6096% | 2,962 |
| Net charge-offs to loans | -0.0121% | 3,804 |
| Credit loss provision to net charge-offs | -375.0000% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7958% | 2,749 |
| Assets per employee ($millions) | 14.9590% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,654 |
| Loan loss allowance to noncurrent loans | 142.8511% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 710 |
| Noncurrent loans to loans | 1.0303% | 955 |
| Net loans and leases to total assets | 79.5420% | 289 |
| Net loans and leases to deposits | 98.1071% | 250 |
| Net loans and leases to core deposits | 116.4584% | 198 |
| Total domestic deposits to total assets | 81.0767% | 4,098 |
| Equity capital to assets | 18.3454% | 243 |
| Core capital (leverage) ratio | 18.4290% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,823,000 | 1,516 |
| Average earning assets | $552,015,200 | 1,469 |
| Average equity | $102,373,400 | 996 |
| Average total loans | $464,466,000 | 1,230 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 2,086 |
| Cost of funding earning assets | 0.5654% | 767 |
| Net interest margin | 3.2065% | 2,709 |
| Noninterest income to average assets | 0.0949% | 4,686 |
| Noninterest expense to average assets | 2.0152% | 3,621 |
| Loan and lease loss provision to assets | 0.0422% | 2,150 |
| Net operating income to assets | 0.8188% | 3,473 |
| Return on assets (ROA) | 0.8188% | 3,550 |
| Pretax return on assets | 1.1460% | 3,088 |
| Return on Equity (ROE) | 4.5719% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.5719% | 3,381 |
| Net charge-offs to loans | -0.0120% | 3,751 |
| Credit loss provision to net charge-offs | -428.5714% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9088% | 2,547 |
| Assets per employee ($millions) | 15.8675% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,774 |
| Loan loss allowance to noncurrent loans | 139.8499% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 833 |
| Noncurrent loans to loans | 1.0452% | 1,084 |
| Net loans and leases to total assets | 79.1857% | 339 |
| Net loans and leases to deposits | 99.2705% | 240 |
| Net loans and leases to core deposits | 119.3560% | 187 |
| Total domestic deposits to total assets | 79.7676% | 4,259 |
| Equity capital to assets | 18.1405% | 266 |
| Core capital (leverage) ratio | 17.9753% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,918,000 | 1,532 |
| Average earning assets | $551,541,000 | 1,487 |
| Average equity | $101,896,000 | 1,017 |
| Average total loans | $465,856,250 | 1,252 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 1,948 |
| Cost of funding earning assets | 0.5956% | 765 |
| Net interest margin | 3.2534% | 2,601 |
| Noninterest income to average assets | 0.0898% | 4,730 |
| Noninterest expense to average assets | 2.0227% | 3,629 |
| Loan and lease loss provision to assets | 0.0528% | 1,976 |
| Net operating income to assets | 0.8206% | 3,447 |
| Return on assets (ROA) | 0.8206% | 3,516 |
| Pretax return on assets | 1.1641% | 3,013 |
| Return on Equity (ROE) | 4.6013% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.6013% | 3,328 |
| Net charge-offs to loans | -0.0120% | 3,741 |
| Credit loss provision to net charge-offs | -535.7143% | 3,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4362% | 2,670 |
| Assets per employee ($millions) | 14.3602% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,738 |
| Loan loss allowance to noncurrent loans | 152.1918% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 1,077 |
| Noncurrent loans to loans | 0.9566% | 1,294 |
| Net loans and leases to total assets | 78.5511% | 404 |
| Net loans and leases to deposits | 100.3974% | 243 |
| Net loans and leases to core deposits | 122.9339% | 185 |
| Total domestic deposits to total assets | 78.2402% | 4,416 |
| Equity capital to assets | 17.8410% | 280 |
| Core capital (leverage) ratio | 17.6874% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,147,000 | 1,528 |
| Average earning assets | $550,073,000 | 1,488 |
| Average equity | $101,320,000 | 1,016 |
| Average total loans | $468,127,333 | 1,248 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 1,791 |
| Cost of funding earning assets | 0.6071% | 852 |
| Net interest margin | 3.3100% | 2,361 |
| Noninterest income to average assets | 0.0814% | 4,757 |
| Noninterest expense to average assets | 2.0998% | 3,426 |
| Loan and lease loss provision to assets | 0.0531% | 2,046 |
| Net operating income to assets | 0.8127% | 3,382 |
| Return on assets (ROA) | 0.8127% | 3,455 |
| Pretax return on assets | 1.1320% | 3,032 |
| Return on Equity (ROE) | 4.5583% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.5583% | 3,353 |
| Net charge-offs to loans | -0.0118% | 3,737 |
| Credit loss provision to net charge-offs | -535.7143% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9224% | 2,474 |
| Assets per employee ($millions) | 14.0175% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 2,016 |
| Loan loss allowance to noncurrent loans | 149.2398% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 1,188 |
| Noncurrent loans to loans | 0.9297% | 1,455 |
| Net loans and leases to total assets | 81.3359% | 258 |
| Net loans and leases to deposits | 103.5700% | 214 |
| Net loans and leases to core deposits | 126.3049% | 180 |
| Total domestic deposits to total assets | 78.5323% | 4,380 |
| Equity capital to assets | 17.6165% | 271 |
| Core capital (leverage) ratio | 18.0985% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,017,000 | 1,527 |
| Average earning assets | $546,833,500 | 1,481 |
| Average equity | $100,740,000 | 1,009 |
| Average total loans | $473,256,500 | 1,238 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 1,865 |
| Cost of funding earning assets | 0.9987% | 596 |
| Net interest margin | 3.3037% | 3,060 |
| Noninterest income to average assets | 0.0889% | 4,773 |
| Noninterest expense to average assets | 2.1031% | 3,930 |
| Loan and lease loss provision to assets | 0.0544% | 3,691 |
| Net operating income to assets | 0.8077% | 3,062 |
| Return on assets (ROA) | 0.8077% | 3,178 |
| Pretax return on assets | 1.1275% | 2,599 |
| Return on Equity (ROE) | 4.4750% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.4750% | 2,548 |
| Net charge-offs to loans | -0.0237% | 4,470 |
| Credit loss provision to net charge-offs | -268.1818% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0202% | 2,817 |
| Assets per employee ($millions) | 13.8829% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 2,094 |
| Loan loss allowance to noncurrent loans | 140.8292% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.8296% | 1,224 |
| Noncurrent loans to loans | 0.9751% | 1,450 |
| Net loans and leases to total assets | 83.9155% | 176 |
| Net loans and leases to deposits | 109.4013% | 172 |
| Net loans and leases to core deposits | 132.3833% | 181 |
| Total domestic deposits to total assets | 76.7043% | 4,447 |
| Equity capital to assets | 18.0501% | 272 |
| Core capital (leverage) ratio | 17.9573% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,163,400 | 1,450 |
| Average earning assets | $524,498,200 | 1,403 |
| Average equity | $97,854,200 | 978 |
| Average total loans | $463,176,200 | 1,200 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,276 |
| Cost of funding earning assets | 1.0962% | 548 |
| Net interest margin | 3.1449% | 3,630 |
| Noninterest income to average assets | 0.0864% | 4,803 |
| Noninterest expense to average assets | 2.1113% | 3,915 |
| Loan and lease loss provision to assets | 0.0236% | 4,038 |
| Net operating income to assets | 0.7153% | 3,413 |
| Return on assets (ROA) | 0.7153% | 3,511 |
| Pretax return on assets | 0.9966% | 3,079 |
| Return on Equity (ROE) | 3.9632% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.9632% | 3,072 |
| Net charge-offs to loans | -0.0281% | 4,504 |
| Credit loss provision to net charge-offs | -97.9381% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4226% | 2,262 |
| Assets per employee ($millions) | 13.7096% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,170 |
| Loan loss allowance to noncurrent loans | 187.3955% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 1,943 |
| Noncurrent loans to loans | 0.6922% | 2,063 |
| Net loans and leases to total assets | 84.9358% | 210 |
| Net loans and leases to deposits | 113.5579% | 174 |
| Net loans and leases to core deposits | 135.3686% | 186 |
| Total domestic deposits to total assets | 74.7951% | 4,519 |
| Equity capital to assets | 17.5862% | 332 |
| Core capital (leverage) ratio | 17.9860% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,875,250 | 1,437 |
| Average earning assets | $521,767,750 | 1,394 |
| Average equity | $97,259,000 | 975 |
| Average total loans | $460,849,250 | 1,202 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,493 |
| Cost of funding earning assets | 1.2158% | 478 |
| Net interest margin | 3.0764% | 3,951 |
| Noninterest income to average assets | 0.0889% | 4,815 |
| Noninterest expense to average assets | 2.1768% | 3,860 |
| Loan and lease loss provision to assets | 0.0188% | 4,002 |
| Net operating income to assets | 0.6236% | 3,660 |
| Return on assets (ROA) | 0.6236% | 3,738 |
| Pretax return on assets | 0.8698% | 3,400 |
| Return on Equity (ROE) | 3.4240% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.4240% | 3,212 |
| Net charge-offs to loans | -0.0366% | 4,598 |
| Credit loss provision to net charge-offs | -60.2410% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0109% | 1,821 |
| Assets per employee ($millions) | 13.0890% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,894 |
| Loan loss allowance to noncurrent loans | 403.8986% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 3,204 |
| Noncurrent loans to loans | 0.3278% | 3,215 |
| Net loans and leases to total assets | 84.2837% | 230 |
| Net loans and leases to deposits | 110.0147% | 232 |
| Net loans and leases to core deposits | 133.0147% | 227 |
| Total domestic deposits to total assets | 76.6113% | 4,364 |
| Equity capital to assets | 17.7718% | 319 |
| Core capital (leverage) ratio | 17.7653% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0015% | 504 |
| Memoranda: | ||
| Average total assets | $531,136,000 | 1,432 |
| Average earning assets | $513,915,667 | 1,391 |
| Average equity | $96,728,333 | 973 |
| Average total loans | $453,235,000 | 1,206 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,614 |
| Cost of funding earning assets | 1.3069% | 554 |
| Net interest margin | 3.0941% | 4,111 |
| Noninterest income to average assets | 0.0828% | 4,885 |
| Noninterest expense to average assets | 2.3172% | 3,734 |
| Loan and lease loss provision to assets | 0.0115% | 3,633 |
| Net operating income to assets | 0.5358% | 3,786 |
| Return on assets (ROA) | 0.5358% | 3,848 |
| Pretax return on assets | 0.7466% | 3,553 |
| Return on Equity (ROE) | 2.9051% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.9051% | 3,122 |
| Net charge-offs to loans | -0.0117% | 4,126 |
| Credit loss provision to net charge-offs | -115.3846% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3490% | 1,638 |
| Assets per employee ($millions) | 12.0295% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,820 |
| Loan loss allowance to noncurrent loans | 379.0943% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,230 |
| Noncurrent loans to loans | 0.3608% | 3,203 |
| Net loans and leases to total assets | 83.2488% | 330 |
| Net loans and leases to deposits | 110.4287% | 179 |
| Net loans and leases to core deposits | 135.3750% | 209 |
| Total domestic deposits to total assets | 75.3869% | 4,547 |
| Equity capital to assets | 18.2857% | 334 |
| Core capital (leverage) ratio | 18.4394% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,836,000 | 1,410 |
| Average earning assets | $504,696,500 | 1,369 |
| Average equity | $96,243,500 | 972 |
| Average total loans | $445,075,500 | 1,195 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 2,791 |
| Cost of funding earning assets | 1.2799% | 816 |
| Net interest margin | 3.2667% | 4,050 |
| Noninterest income to average assets | 0.0809% | 4,972 |
| Noninterest expense to average assets | 2.4304% | 3,615 |
| Loan and lease loss provision to assets | 0.0180% | 3,652 |
| Net operating income to assets | 0.5570% | 4,274 |
| Return on assets (ROA) | 0.5603% | 4,319 |
| Pretax return on assets | 0.7851% | 4,005 |
| Return on Equity (ROE) | 2.9702% | 4,669 |
| Retained earnings to average equity (ytd only) | 2.9702% | 3,551 |
| Net charge-offs to loans | -0.0184% | 4,608 |
| Credit loss provision to net charge-offs | -115.3846% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2604% | 1,455 |
| Assets per employee ($millions) | 12.5457% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,620 |
| Loan loss allowance to noncurrent loans | 213.5885% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 2,230 |
| Noncurrent loans to loans | 0.6423% | 2,281 |
| Net loans and leases to total assets | 85.0204% | 239 |
| Net loans and leases to deposits | 116.2964% | 109 |
| Net loans and leases to core deposits | 142.1738% | 162 |
| Total domestic deposits to total assets | 73.1066% | 4,821 |
| Equity capital to assets | 18.6054% | 326 |
| Core capital (leverage) ratio | 18.5956% | 302 |
| Tier 1 risk-based capital ratio | 22.1772% | 1,004 |
| Total risk-based capital ratio | 23.4291% | 978 |
| Memoranda: | ||
| Average total assets | $499,548,400 | 1,429 |
| Average earning assets | $481,462,600 | 1,377 |
| Average equity | $94,235,800 | 938 |
| Average total loans | $424,092,600 | 1,211 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,902 |
| Cost of funding earning assets | 1.2514% | 908 |
| Net interest margin | 3.2963% | 4,093 |
| Noninterest income to average assets | 0.0855% | 5,029 |
| Noninterest expense to average assets | 2.4932% | 3,455 |
| Loan and lease loss provision to assets | 0.0202% | 3,503 |
| Net operating income to assets | 0.5341% | 4,439 |
| Return on assets (ROA) | 0.5386% | 4,487 |
| Pretax return on assets | 0.7524% | 4,237 |
| Return on Equity (ROE) | 2.8450% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.8450% | 3,956 |
| Net charge-offs to loans | -0.0207% | 4,592 |
| Credit loss provision to net charge-offs | -115.3846% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4764% | 1,273 |
| Assets per employee ($millions) | 11.0931% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,580 |
| Loan loss allowance to noncurrent loans | 161.4667% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 1,868 |
| Noncurrent loans to loans | 0.8660% | 1,850 |
| Net loans and leases to total assets | 83.6749% | 387 |
| Net loans and leases to deposits | 116.4599% | 120 |
| Net loans and leases to core deposits | 141.1928% | 172 |
| Total domestic deposits to total assets | 71.8486% | 4,927 |
| Equity capital to assets | 18.5970% | 343 |
| Core capital (leverage) ratio | 18.8876% | 295 |
| Tier 1 risk-based capital ratio | 23.3416% | 911 |
| Total risk-based capital ratio | 24.5944% | 889 |
| Memoranda: | ||
| Average total assets | $495,842,500 | 1,443 |
| Average earning assets | $477,535,000 | 1,391 |
| Average equity | $93,869,500 | 947 |
| Average total loans | $419,264,750 | 1,224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 2,877 |
| Cost of funding earning assets | 1.2131% | 953 |
| Net interest margin | 3.3298% | 4,078 |
| Noninterest income to average assets | 0.0782% | 5,104 |
| Noninterest expense to average assets | 2.1616% | 4,310 |
| Loan and lease loss provision to assets | 0.0244% | 3,317 |
| Net operating income to assets | 0.7865% | 3,702 |
| Return on assets (ROA) | 0.7865% | 3,760 |
| Pretax return on assets | 1.0985% | 3,235 |
| Return on Equity (ROE) | 4.1293% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.1293% | 3,181 |
| Net charge-offs to loans | -0.0193% | 4,535 |
| Credit loss provision to net charge-offs | -150.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8110% | 2,834 |
| Assets per employee ($millions) | 12.2828% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,384 |
| Loan loss allowance to noncurrent loans | 241.3157% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 2,515 |
| Noncurrent loans to loans | 0.6054% | 2,447 |
| Net loans and leases to total assets | 82.5970% | 527 |
| Net loans and leases to deposits | 112.4694% | 178 |
| Net loans and leases to core deposits | 133.7449% | 264 |
| Total domestic deposits to total assets | 73.4395% | 4,870 |
| Equity capital to assets | 19.2944% | 280 |
| Core capital (leverage) ratio | 19.4039% | 258 |
| Tier 1 risk-based capital ratio | 23.2306% | 926 |
| Total risk-based capital ratio | 24.4834% | 899 |
| Memoranda: | ||
| Average total assets | $491,029,670 | 1,456 |
| Average earning assets | $472,824,330 | 1,408 |
| Average equity | $93,527,000 | 944 |
| Average total loans | $414,675,670 | 1,239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 2,970 |
| Cost of funding earning assets | 1.1747% | 977 |
| Net interest margin | 3.2948% | 4,172 |
| Noninterest income to average assets | 0.0782% | 5,149 |
| Noninterest expense to average assets | 2.1797% | 4,315 |
| Loan and lease loss provision to assets | 0.0367% | 2,885 |
| Net operating income to assets | 0.7431% | 3,793 |
| Return on assets (ROA) | 0.7431% | 3,843 |
| Pretax return on assets | 1.0365% | 3,321 |
| Return on Equity (ROE) | 3.9271% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.9271% | 3,333 |
| Net charge-offs to loans | -0.0144% | 4,363 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0090% | 2,796 |
| Assets per employee ($millions) | 11.6436% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,566 |
| Loan loss allowance to noncurrent loans | 249.3740% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 2,652 |
| Noncurrent loans to loans | 0.5738% | 2,608 |
| Net loans and leases to total assets | 84.1624% | 355 |
| Net loans and leases to deposits | 114.3649% | 144 |
| Net loans and leases to core deposits | 135.4250% | 238 |
| Total domestic deposits to total assets | 73.5911% | 4,962 |
| Equity capital to assets | 19.1014% | 277 |
| Core capital (leverage) ratio | 18.9907% | 279 |
| Tier 1 risk-based capital ratio | 22.6768% | 973 |
| Total risk-based capital ratio | 23.9292% | 946 |
| Memoranda: | ||
| Average total assets | $490,888,000 | 1,461 |
| Average earning assets | $472,984,000 | 1,411 |
| Average equity | $92,892,500 | 943 |
| Average total loans | $416,100,500 | 1,244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 3,147 |
| Cost of funding earning assets | 0.9015% | 1,091 |
| Net interest margin | 3.3895% | 4,025 |
| Noninterest income to average assets | 0.0963% | 5,163 |
| Noninterest expense to average assets | 2.1091% | 4,539 |
| Loan and lease loss provision to assets | 0.0538% | 3,102 |
| Net operating income to assets | 0.8503% | 3,608 |
| Return on assets (ROA) | 0.8503% | 3,605 |
| Pretax return on assets | 1.1955% | 2,897 |
| Return on Equity (ROE) | 4.6453% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.6453% | 2,965 |
| Net charge-offs to loans | -0.0139% | 4,590 |
| Credit loss provision to net charge-offs | -464.9123% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7987% | 3,384 |
| Assets per employee ($millions) | 11.4592% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,532 |
| Loan loss allowance to noncurrent loans | 296.1943% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 2,939 |
| Noncurrent loans to loans | 0.4816% | 2,831 |
| Net loans and leases to total assets | 82.9498% | 517 |
| Net loans and leases to deposits | 112.9017% | 183 |
| Net loans and leases to core deposits | 131.7608% | 293 |
| Total domestic deposits to total assets | 73.4708% | 4,978 |
| Equity capital to assets | 18.7467% | 287 |
| Core capital (leverage) ratio | 18.7961% | 270 |
| Tier 1 risk-based capital ratio | 22.6418% | 951 |
| Total risk-based capital ratio | 23.8941% | 927 |
| Memoranda: | ||
| Average total assets | $492,160,200 | 1,430 |
| Average earning assets | $473,670,200 | 1,374 |
| Average equity | $90,090,200 | 933 |
| Average total loans | $410,140,400 | 1,231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 3,191 |
| Cost of funding earning assets | 0.8502% | 1,120 |
| Net interest margin | 3.3849% | 4,049 |
| Noninterest income to average assets | 0.0995% | 5,215 |
| Noninterest expense to average assets | 2.1042% | 4,543 |
| Loan and lease loss provision to assets | 0.0718% | 2,524 |
| Net operating income to assets | 0.8477% | 3,752 |
| Return on assets (ROA) | 0.8477% | 3,758 |
| Pretax return on assets | 1.1807% | 3,064 |
| Return on Equity (ROE) | 4.6588% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.6588% | 3,416 |
| Net charge-offs to loans | -0.0137% | 4,486 |
| Credit loss provision to net charge-offs | -630.9524% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6867% | 3,397 |
| Assets per employee ($millions) | 11.8889% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,618 |
| Loan loss allowance to noncurrent loans | 331.7032% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,250 |
| Noncurrent loans to loans | 0.4286% | 3,120 |
| Net loans and leases to total assets | 81.9425% | 728 |
| Net loans and leases to deposits | 112.2346% | 230 |
| Net loans and leases to core deposits | 131.0010% | 311 |
| Total domestic deposits to total assets | 73.0100% | 5,058 |
| Equity capital to assets | 18.2465% | 315 |
| Core capital (leverage) ratio | 18.5031% | 294 |
| Tier 1 risk-based capital ratio | 22.0210% | 1,052 |
| Total risk-based capital ratio | 23.2732% | 1,029 |
| Memoranda: | ||
| Average total assets | $492,014,250 | 1,434 |
| Average earning assets | $473,466,250 | 1,380 |
| Average equity | $89,519,500 | 936 |
| Average total loans | $409,014,250 | 1,233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 3,205 |
| Cost of funding earning assets | 0.8026% | 1,112 |
| Net interest margin | 3.3678% | 4,050 |
| Noninterest income to average assets | 0.1062% | 5,253 |
| Noninterest expense to average assets | 2.1370% | 4,526 |
| Loan and lease loss provision to assets | 0.0715% | 2,460 |
| Net operating income to assets | 0.8187% | 3,792 |
| Return on assets (ROA) | 0.8187% | 3,800 |
| Pretax return on assets | 1.1410% | 3,165 |
| Return on Equity (ROE) | 4.5039% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.5039% | 3,339 |
| Net charge-offs to loans | -0.0123% | 4,382 |
| Credit loss provision to net charge-offs | -700.0000% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8005% | 3,347 |
| Assets per employee ($millions) | 11.7042% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,776 |
| Loan loss allowance to noncurrent loans | 297.8920% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,203 |
| Noncurrent loans to loans | 0.4674% | 3,033 |
| Net loans and leases to total assets | 81.5295% | 765 |
| Net loans and leases to deposits | 111.9896% | 236 |
| Net loans and leases to core deposits | 130.1871% | 331 |
| Total domestic deposits to total assets | 72.8010% | 5,130 |
| Equity capital to assets | 17.8760% | 334 |
| Core capital (leverage) ratio | 18.4982% | 298 |
| Tier 1 risk-based capital ratio | 21.5848% | 1,086 |
| Total risk-based capital ratio | 22.8364% | 1,063 |
| Memoranda: | ||
| Average total assets | $489,574,670 | 1,443 |
| Average earning assets | $471,460,330 | 1,392 |
| Average equity | $88,989,000 | 938 |
| Average total loans | $406,996,670 | 1,241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 3,271 |
| Cost of funding earning assets | 0.7509% | 1,184 |
| Net interest margin | 3.3383% | 4,082 |
| Noninterest income to average assets | 0.0945% | 5,350 |
| Noninterest expense to average assets | 2.1453% | 4,542 |
| Loan and lease loss provision to assets | 0.0704% | 2,354 |
| Net operating income to assets | 0.7897% | 3,752 |
| Return on assets (ROA) | 0.7897% | 3,754 |
| Pretax return on assets | 1.1021% | 3,169 |
| Return on Equity (ROE) | 4.3073% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.3073% | 3,462 |
| Net charge-offs to loans | -0.0119% | 4,324 |
| Credit loss provision to net charge-offs | -708.3333% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6603% | 3,378 |
| Assets per employee ($millions) | 11.5644% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 1,819 |
| Loan loss allowance to noncurrent loans | 285.6928% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 3,188 |
| Noncurrent loans to loans | 0.4920% | 3,043 |
| Net loans and leases to total assets | 82.1906% | 642 |
| Net loans and leases to deposits | 108.3072% | 310 |
| Net loans and leases to core deposits | 125.6240% | 432 |
| Total domestic deposits to total assets | 75.8865% | 4,973 |
| Equity capital to assets | 18.2984% | 291 |
| Core capital (leverage) ratio | 18.7131% | 269 |
| Tier 1 risk-based capital ratio | 22.0090% | 1,046 |
| Total risk-based capital ratio | 23.2609% | 1,027 |
| Memoranda: | ||
| Average total assets | $482,722,500 | 1,467 |
| Average earning assets | $466,101,500 | 1,416 |
| Average equity | $88,500,500 | 949 |
| Average total loans | $402,437,500 | 1,256 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,946 |
| Cost of funding earning assets | 0.7469% | 836 |
| Net interest margin | 3.3849% | 3,899 |
| Noninterest income to average assets | 0.1234% | 5,329 |
| Noninterest expense to average assets | 2.2970% | 4,337 |
| Loan and lease loss provision to assets | 0.0628% | 2,975 |
| Net operating income to assets | 0.4314% | 4,582 |
| Return on assets (ROA) | 0.4314% | 4,610 |
| Pretax return on assets | 1.0182% | 3,501 |
| Return on Equity (ROE) | 2.3566% | 4,985 |
| Retained earnings to average equity (ytd only) | 2.3566% | 3,912 |
| Net charge-offs to loans | -0.0130% | 4,858 |
| Credit loss provision to net charge-offs | -588.2353% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9975% | 2,894 |
| Assets per employee ($millions) | 11.7010% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,777 |
| Loan loss allowance to noncurrent loans | 329.8349% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 3,451 |
| Noncurrent loans to loans | 0.4240% | 3,263 |
| Net loans and leases to total assets | 82.2083% | 653 |
| Net loans and leases to deposits | 105.7647% | 410 |
| Net loans and leases to core deposits | 123.4373% | 489 |
| Total domestic deposits to total assets | 77.7276% | 4,757 |
| Equity capital to assets | 18.3693% | 287 |
| Core capital (leverage) ratio | 18.4426% | 269 |
| Tier 1 risk-based capital ratio | 21.2439% | 1,104 |
| Total risk-based capital ratio | 22.4950% | 1,084 |
| Memoranda: | ||
| Average total assets | $477,495,200 | 1,456 |
| Average earning assets | $459,125,000 | 1,416 |
| Average equity | $87,413,000 | 927 |
| Average total loans | $392,637,400 | 1,254 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,975 |
| Cost of funding earning assets | 0.7474% | 766 |
| Net interest margin | 3.3547% | 3,995 |
| Noninterest income to average assets | 0.0953% | 5,491 |
| Noninterest expense to average assets | 2.3421% | 4,181 |
| Loan and lease loss provision to assets | 0.0629% | 2,812 |
| Net operating income to assets | 0.5474% | 4,584 |
| Return on assets (ROA) | 0.5474% | 4,617 |
| Pretax return on assets | 0.9128% | 3,992 |
| Return on Equity (ROE) | 2.9926% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.9926% | 4,135 |
| Net charge-offs to loans | -0.0133% | 4,723 |
| Credit loss provision to net charge-offs | -576.9231% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5932% | 2,439 |
| Assets per employee ($millions) | 11.5189% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,991 |
| Loan loss allowance to noncurrent loans | 510.3800% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,173 |
| Noncurrent loans to loans | 0.2698% | 3,990 |
| Net loans and leases to total assets | 81.5143% | 766 |
| Net loans and leases to deposits | 103.2437% | 537 |
| Net loans and leases to core deposits | 121.1800% | 549 |
| Total domestic deposits to total assets | 78.9533% | 4,538 |
| Equity capital to assets | 18.2503% | 316 |
| Core capital (leverage) ratio | 18.3160% | 285 |
| Tier 1 risk-based capital ratio | 21.0620% | 1,183 |
| Total risk-based capital ratio | 22.3127% | 1,160 |
| Memoranda: | ||
| Average total assets | $476,933,750 | 1,472 |
| Average earning assets | $458,132,000 | 1,428 |
| Average equity | $87,235,000 | 932 |
| Average total loans | $390,801,500 | 1,265 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,060 |
| Cost of funding earning assets | 0.7514% | 683 |
| Net interest margin | 3.2847% | 4,153 |
| Noninterest income to average assets | 0.0948% | 5,540 |
| Noninterest expense to average assets | 2.2265% | 4,510 |
| Loan and lease loss provision to assets | 0.0632% | 2,706 |
| Net operating income to assets | 0.5769% | 4,401 |
| Return on assets (ROA) | 0.5769% | 4,462 |
| Pretax return on assets | 0.9624% | 3,717 |
| Return on Equity (ROE) | 3.1514% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.1514% | 3,832 |
| Net charge-offs to loans | -0.0139% | 4,642 |
| Credit loss provision to net charge-offs | -555.5556% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4633% | 2,927 |
| Assets per employee ($millions) | 11.4904% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,110 |
| Loan loss allowance to noncurrent loans | 529.2969% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 4,312 |
| Noncurrent loans to loans | 0.2572% | 4,118 |
| Net loans and leases to total assets | 81.3763% | 759 |
| Net loans and leases to deposits | 105.0348% | 443 |
| Net loans and leases to core deposits | 122.8053% | 472 |
| Total domestic deposits to total assets | 77.4756% | 4,893 |
| Equity capital to assets | 18.1601% | 318 |
| Core capital (leverage) ratio | 18.4404% | 277 |
| Tier 1 risk-based capital ratio | 20.9081% | 1,205 |
| Total risk-based capital ratio | 22.1587% | 1,174 |
| Memoranda: | ||
| Average total assets | $474,646,670 | 1,484 |
| Average earning assets | $456,234,330 | 1,437 |
| Average equity | $86,882,000 | 940 |
| Average total loans | $387,779,000 | 1,275 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,126 |
| Cost of funding earning assets | 0.7508% | 644 |
| Net interest margin | 3.2242% | 4,265 |
| Noninterest income to average assets | 0.0884% | 5,621 |
| Noninterest expense to average assets | 2.1821% | 4,694 |
| Loan and lease loss provision to assets | 0.0637% | 2,529 |
| Net operating income to assets | 0.5625% | 4,321 |
| Return on assets (ROA) | 0.5625% | 4,365 |
| Pretax return on assets | 0.9406% | 3,625 |
| Return on Equity (ROE) | 3.0588% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.0588% | 3,885 |
| Net charge-offs to loans | -0.0157% | 4,612 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4800% | 3,126 |
| Assets per employee ($millions) | 11.5564% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 2,213 |
| Loan loss allowance to noncurrent loans | 506.9392% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,331 |
| Noncurrent loans to loans | 0.2701% | 4,137 |
| Net loans and leases to total assets | 81.0889% | 679 |
| Net loans and leases to deposits | 103.7895% | 407 |
| Net loans and leases to core deposits | 121.4207% | 428 |
| Total domestic deposits to total assets | 78.1282% | 4,953 |
| Equity capital to assets | 18.3564% | 282 |
| Core capital (leverage) ratio | 18.6241% | 252 |
| Tier 1 risk-based capital ratio | 21.2433% | 1,186 |
| Total risk-based capital ratio | 22.4939% | 1,170 |
| Memoranda: | ||
| Average total assets | $470,738,500 | 1,500 |
| Average earning assets | $452,336,000 | 1,452 |
| Average equity | $86,569,500 | 941 |
| Average total loans | $382,599,000 | 1,296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,703 |
| Cost of funding earning assets | 0.7465% | 645 |
| Net interest margin | 3.3917% | 3,848 |
| Noninterest income to average assets | 0.1102% | 5,616 |
| Noninterest expense to average assets | 2.1497% | 4,896 |
| Loan and lease loss provision to assets | 0.0659% | 3,046 |
| Net operating income to assets | 0.6841% | 3,850 |
| Return on assets (ROA) | 0.6841% | 3,966 |
| Pretax return on assets | 1.1473% | 2,910 |
| Return on Equity (ROE) | 3.6616% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.6616% | 3,308 |
| Net charge-offs to loans | -0.0120% | 4,987 |
| Credit loss provision to net charge-offs | -666.6667% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9248% | 3,950 |
| Assets per employee ($millions) | 11.6916% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 2,099 |
| Loan loss allowance to noncurrent loans | 429.4021% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 4,246 |
| Noncurrent loans to loans | 0.3250% | 3,980 |
| Net loans and leases to total assets | 79.2048% | 1,003 |
| Net loans and leases to deposits | 101.7249% | 550 |
| Net loans and leases to core deposits | 118.6696% | 520 |
| Total domestic deposits to total assets | 77.8617% | 4,994 |
| Equity capital to assets | 18.4243% | 281 |
| Core capital (leverage) ratio | 18.4446% | 257 |
| Tier 1 risk-based capital ratio | 21.8054% | 1,108 |
| Total risk-based capital ratio | 23.0563% | 1,084 |
| Memoranda: | ||
| Average total assets | $455,506,200 | 1,496 |
| Average earning assets | $436,828,400 | 1,454 |
| Average equity | $85,100,000 | 933 |
| Average total loans | $374,729,000 | 1,262 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,654 |
| Cost of funding earning assets | 0.7325% | 691 |
| Net interest margin | 3.4242% | 3,755 |
| Noninterest income to average assets | 0.1073% | 5,685 |
| Noninterest expense to average assets | 2.1930% | 4,787 |
| Loan and lease loss provision to assets | 0.0663% | 2,900 |
| Net operating income to assets | 0.6783% | 3,973 |
| Return on assets (ROA) | 0.6783% | 4,096 |
| Pretax return on assets | 1.1307% | 3,112 |
| Return on Equity (ROE) | 3.6180% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.6180% | 3,718 |
| Net charge-offs to loans | -0.0121% | 4,845 |
| Credit loss provision to net charge-offs | -661.7647% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6905% | 3,820 |
| Assets per employee ($millions) | 12.2555% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,289 |
| Loan loss allowance to noncurrent loans | 417.5709% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,375 |
| Noncurrent loans to loans | 0.3306% | 4,073 |
| Net loans and leases to total assets | 79.1056% | 1,021 |
| Net loans and leases to deposits | 102.7440% | 524 |
| Net loans and leases to core deposits | 119.8333% | 512 |
| Total domestic deposits to total assets | 76.9929% | 5,088 |
| Equity capital to assets | 18.4976% | 303 |
| Core capital (leverage) ratio | 18.9592% | 235 |
| Tier 1 risk-based capital ratio | 21.8510% | 1,156 |
| Total risk-based capital ratio | 23.1019% | 1,135 |
| Memoranda: | ||
| Average total assets | $452,466,500 | 1,506 |
| Average earning assets | $433,766,000 | 1,464 |
| Average equity | $84,834,000 | 944 |
| Average total loans | $374,497,250 | 1,255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 2,552 |
| Cost of funding earning assets | 0.7186% | 727 |
| Net interest margin | 3.4688% | 3,618 |
| Noninterest income to average assets | 0.1129% | 5,730 |
| Noninterest expense to average assets | 2.2154% | 4,807 |
| Loan and lease loss provision to assets | 0.0670% | 2,800 |
| Net operating income to assets | 0.6914% | 3,836 |
| Return on assets (ROA) | 0.6914% | 3,986 |
| Pretax return on assets | 1.1534% | 2,975 |
| Return on Equity (ROE) | 3.6707% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,555 |
| Net charge-offs to loans | -0.0117% | 4,749 |
| Credit loss provision to net charge-offs | -681.8182% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4797% | 3,936 |
| Assets per employee ($millions) | 10.9210% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,518 |
| Loan loss allowance to noncurrent loans | 491.2791% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 4,569 |
| Noncurrent loans to loans | 0.2753% | 4,381 |
| Net loans and leases to total assets | 82.5795% | 565 |
| Net loans and leases to deposits | 107.5428% | 312 |
| Net loans and leases to core deposits | 125.4230% | 381 |
| Total domestic deposits to total assets | 76.7875% | 5,185 |
| Equity capital to assets | 19.0643% | 260 |
| Core capital (leverage) ratio | 19.0059% | 234 |
| Tier 1 risk-based capital ratio | 21.2064% | 1,241 |
| Total risk-based capital ratio | 22.4562% | 1,219 |
| Memoranda: | ||
| Average total assets | $448,052,670 | 1,524 |
| Average earning assets | $429,192,670 | 1,481 |
| Average equity | $84,397,000 | 941 |
| Average total loans | $374,810,330 | 1,261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,442 |
| Cost of funding earning assets | 0.7090% | 775 |
| Net interest margin | 3.4991% | 3,480 |
| Noninterest income to average assets | 0.1133% | 5,778 |
| Noninterest expense to average assets | 2.2463% | 4,792 |
| Loan and lease loss provision to assets | 0.0669% | 2,625 |
| Net operating income to assets | 0.6872% | 3,774 |
| Return on assets (ROA) | 0.6872% | 3,892 |
| Pretax return on assets | 1.1477% | 2,898 |
| Return on Equity (ROE) | 3.6704% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.6704% | 3,657 |
| Net charge-offs to loans | -0.0117% | 4,597 |
| Credit loss provision to net charge-offs | -681.8182% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9046% | 3,992 |
| Assets per employee ($millions) | 11.4503% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,772 |
| Loan loss allowance to noncurrent loans | 608.5470% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 4,830 |
| Noncurrent loans to loans | 0.2180% | 4,648 |
| Net loans and leases to total assets | 83.0064% | 454 |
| Net loans and leases to deposits | 113.5734% | 156 |
| Net loans and leases to core deposits | 130.9825% | 258 |
| Total domestic deposits to total assets | 73.0861% | 5,692 |
| Equity capital to assets | 18.9074% | 261 |
| Core capital (leverage) ratio | 18.9673% | 235 |
| Tier 1 risk-based capital ratio | 21.3331% | 1,254 |
| Total risk-based capital ratio | 22.5833% | 1,234 |
| Memoranda: | ||
| Average total assets | $448,199,500 | 1,533 |
| Average earning assets | $428,794,000 | 1,482 |
| Average equity | $83,914,500 | 947 |
| Average total loans | $374,802,000 | 1,260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 2,573 |
| Cost of funding earning assets | 0.5384% | 1,852 |
| Net interest margin | 3.6579% | 2,910 |
| Noninterest income to average assets | 0.1306% | 5,762 |
| Noninterest expense to average assets | 2.3500% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7598% | 3,528 |
| Return on assets (ROA) | 0.7598% | 3,621 |
| Pretax return on assets | 1.2652% | 2,414 |
| Return on Equity (ROE) | 3.9661% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.9661% | 3,211 |
| Net charge-offs to loans | -0.0374% | 5,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0026% | 4,087 |
| Assets per employee ($millions) | 11.8378% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,841 |
| Loan loss allowance to noncurrent loans | 406.4730% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 4,524 |
| Noncurrent loans to loans | 0.3222% | 4,304 |
| Net loans and leases to total assets | 82.0402% | 592 |
| Net loans and leases to deposits | 113.9892% | 166 |
| Net loans and leases to core deposits | 130.6337% | 260 |
| Total domestic deposits to total assets | 71.9719% | 5,802 |
| Equity capital to assets | 18.5391% | 275 |
| Core capital (leverage) ratio | 19.1828% | 233 |
| Tier 1 risk-based capital ratio | 21.5379% | 1,214 |
| Total risk-based capital ratio | 22.7880% | 1,192 |
| Memoranda: | ||
| Average total assets | $427,192,200 | 1,556 |
| Average earning assets | $406,954,000 | 1,508 |
| Average equity | $81,842,600 | 927 |
| Average total loans | $352,986,600 | 1,277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 2,535 |
| Cost of funding earning assets | 0.4919% | 2,297 |
| Net interest margin | 3.7192% | 2,677 |
| Noninterest income to average assets | 0.1246% | 5,848 |
| Noninterest expense to average assets | 2.3659% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7803% | 3,525 |
| Return on assets (ROA) | 0.7803% | 3,612 |
| Pretax return on assets | 1.3003% | 2,398 |
| Return on Equity (ROE) | 4.0382% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.0382% | 3,589 |
| Net charge-offs to loans | -0.0318% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5328% | 4,151 |
| Assets per employee ($millions) | 11.4418% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,792 |
| Loan loss allowance to noncurrent loans | 304.3942% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,305 |
| Noncurrent loans to loans | 0.4464% | 4,007 |
| Net loans and leases to total assets | 80.9561% | 705 |
| Net loans and leases to deposits | 109.6385% | 259 |
| Net loans and leases to core deposits | 125.0201% | 353 |
| Total domestic deposits to total assets | 73.8391% | 5,724 |
| Equity capital to assets | 19.0660% | 277 |
| Core capital (leverage) ratio | 19.2793% | 229 |
| Tier 1 risk-based capital ratio | 21.8793% | 1,211 |
| Total risk-based capital ratio | 23.1298% | 1,190 |
| Memoranda: | ||
| Average total assets | $421,530,750 | 1,586 |
| Average earning assets | $401,398,000 | 1,536 |
| Average equity | $81,454,250 | 940 |
| Average total loans | $347,746,750 | 1,298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 2,541 |
| Cost of funding earning assets | 0.4590% | 2,621 |
| Net interest margin | 3.7410% | 2,542 |
| Noninterest income to average assets | 0.1367% | 5,876 |
| Noninterest expense to average assets | 2.4344% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7600% | 3,591 |
| Return on assets (ROA) | 0.7600% | 3,692 |
| Pretax return on assets | 1.2663% | 2,486 |
| Return on Equity (ROE) | 3.9149% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.9149% | 3,512 |
| Net charge-offs to loans | -0.0418% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7813% | 4,050 |
| Assets per employee ($millions) | 10.7249% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,936 |
| Loan loss allowance to noncurrent loans | 342.1499% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,560 |
| Noncurrent loans to loans | 0.3974% | 4,292 |
| Net loans and leases to total assets | 81.8227% | 572 |
| Net loans and leases to deposits | 124.2784% | 71 |
| Net loans and leases to core deposits | 137.3736% | 184 |
| Total domestic deposits to total assets | 65.8382% | 6,172 |
| Equity capital to assets | 19.0799% | 262 |
| Core capital (leverage) ratio | 19.2735% | 231 |
| Tier 1 risk-based capital ratio | 21.4408% | 1,293 |
| Total risk-based capital ratio | 22.6910% | 1,271 |
| Memoranda: | ||
| Average total assets | $417,111,000 | 1,610 |
| Average earning assets | $397,381,330 | 1,560 |
| Average equity | $80,973,330 | 948 |
| Average total loans | $344,716,330 | 1,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 2,730 |
| Cost of funding earning assets | 0.4587% | 2,693 |
| Net interest margin | 3.6653% | 2,753 |
| Noninterest income to average assets | 0.0856% | 6,135 |
| Noninterest expense to average assets | 2.4370% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6859% | 3,865 |
| Return on assets (ROA) | 0.6859% | 3,996 |
| Pretax return on assets | 1.1392% | 2,910 |
| Return on Equity (ROE) | 3.5016% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,896 |
| Net charge-offs to loans | -0.0130% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1447% | 3,799 |
| Assets per employee ($millions) | 10.9005% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,930 |
| Loan loss allowance to noncurrent loans | 48.5270% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.3765% | 921 |
| Noncurrent loans to loans | 2.8803% | 782 |
| Net loans and leases to total assets | 81.3556% | 533 |
| Net loans and leases to deposits | 120.2397% | 82 |
| Net loans and leases to core deposits | 132.5218% | 222 |
| Total domestic deposits to total assets | 67.6611% | 6,211 |
| Equity capital to assets | 19.5693% | 243 |
| Core capital (leverage) ratio | 19.7578% | 216 |
| Tier 1 risk-based capital ratio | 22.5688% | 1,163 |
| Total risk-based capital ratio | 23.7953% | 1,152 |
| Memoranda: | ||
| Average total assets | $411,168,000 | 1,638 |
| Average earning assets | $391,562,500 | 1,586 |
| Average equity | $80,534,000 | 950 |
| Average total loans | $339,147,000 | 1,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,926 |
| Cost of funding earning assets | 0.4717% | 2,964 |
| Net interest margin | 3.7366% | 2,856 |
| Noninterest income to average assets | 0.2085% | 5,616 |
| Noninterest expense to average assets | 2.3957% | 4,855 |
| Loan and lease loss provision to assets | 0.0511% | 3,542 |
| Net operating income to assets | 0.7823% | 3,461 |
| Return on assets (ROA) | 0.7823% | 3,547 |
| Pretax return on assets | 1.3014% | 2,237 |
| Return on Equity (ROE) | 4.1381% | 5,058 |
| Retained earnings to average equity (ytd only) | 4.1381% | 3,256 |
| Net charge-offs to loans | -0.0374% | 5,846 |
| Credit loss provision to net charge-offs | -168.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9172% | 4,601 |
| Assets per employee ($millions) | 10.2029% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 2,871 |
| Loan loss allowance to noncurrent loans | 275.4913% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 4,405 |
| Noncurrent loans to loans | 0.5141% | 4,126 |
| Net loans and leases to total assets | 81.2906% | 594 |
| Net loans and leases to deposits | 118.1536% | 111 |
| Net loans and leases to core deposits | 130.3233% | 241 |
| Total domestic deposits to total assets | 68.8008% | 6,240 |
| Equity capital to assets | 19.6042% | 243 |
| Core capital (leverage) ratio | 19.7898% | 218 |
| Tier 1 risk-based capital ratio | 23.6921% | 986 |
| Total risk-based capital ratio | 24.9439% | 967 |
| Memoranda: | ||
| Average total assets | $411,107,400 | 1,612 |
| Average earning assets | $389,446,000 | 1,563 |
| Average equity | $77,716,800 | 944 |
| Average total loans | $334,623,400 | 1,305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,967 |
| Cost of funding earning assets | 0.4710% | 3,043 |
| Net interest margin | 3.7347% | 2,874 |
| Noninterest income to average assets | 0.2004% | 5,727 |
| Noninterest expense to average assets | 2.3402% | 4,998 |
| Loan and lease loss provision to assets | 0.0680% | 2,981 |
| Net operating income to assets | 0.7973% | 3,439 |
| Return on assets (ROA) | 0.7973% | 3,538 |
| Pretax return on assets | 1.3266% | 2,281 |
| Return on Equity (ROE) | 4.2569% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.2569% | 3,624 |
| Net charge-offs to loans | -0.0379% | 5,816 |
| Credit loss provision to net charge-offs | -221.0526% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6593% | 4,788 |
| Assets per employee ($millions) | 10.1068% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,055 |
| Loan loss allowance to noncurrent loans | 261.0805% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 4,554 |
| Noncurrent loans to loans | 0.5459% | 4,281 |
| Net loans and leases to total assets | 81.0187% | 605 |
| Net loans and leases to deposits | 116.5252% | 123 |
| Net loans and leases to core deposits | 127.8943% | 257 |
| Total domestic deposits to total assets | 69.5289% | 6,299 |
| Equity capital to assets | 19.4367% | 252 |
| Core capital (leverage) ratio | 19.6005% | 226 |
| Tier 1 risk-based capital ratio | 23.8201% | 1,009 |
| Total risk-based capital ratio | 25.0721% | 992 |
| Memoranda: | ||
| Average total assets | $411,855,250 | 1,619 |
| Average earning assets | $389,774,000 | 1,574 |
| Average equity | $77,144,000 | 956 |
| Average total loans | $334,147,750 | 1,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 2,960 |
| Cost of funding earning assets | 0.4670% | 3,137 |
| Net interest margin | 3.7301% | 2,841 |
| Noninterest income to average assets | 0.2461% | 5,437 |
| Noninterest expense to average assets | 2.3765% | 4,951 |
| Loan and lease loss provision to assets | 0.1014% | 2,330 |
| Net operating income to assets | 0.7766% | 3,444 |
| Return on assets (ROA) | 0.7766% | 3,543 |
| Pretax return on assets | 1.2920% | 2,280 |
| Return on Equity (ROE) | 4.1974% | 5,060 |
| Retained earnings to average equity (ytd only) | 4.1974% | 3,498 |
| Net charge-offs to loans | -0.0233% | 5,593 |
| Credit loss provision to net charge-offs | -538.4615% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0393% | 4,853 |
| Assets per employee ($millions) | 10.2593% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 3,375 |
| Loan loss allowance to noncurrent loans | 168.3453% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 3,962 |
| Noncurrent loans to loans | 0.8290% | 3,630 |
| Net loans and leases to total assets | 80.5732% | 620 |
| Net loans and leases to deposits | 117.7709% | 108 |
| Net loans and leases to core deposits | 129.1315% | 241 |
| Total domestic deposits to total assets | 68.4152% | 6,408 |
| Equity capital to assets | 18.9531% | 262 |
| Core capital (leverage) ratio | 19.3251% | 226 |
| Tier 1 risk-based capital ratio | 23.3082% | 1,070 |
| Total risk-based capital ratio | 24.5600% | 1,054 |
| Memoranda: | ||
| Average total assets | $414,383,000 | 1,609 |
| Average earning assets | $391,461,670 | 1,569 |
| Average equity | $76,666,330 | 955 |
| Average total loans | $334,773,000 | 1,309 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,966 |
| Cost of funding earning assets | 0.4694% | 3,233 |
| Net interest margin | 3.7049% | 2,847 |
| Noninterest income to average assets | 0.1364% | 6,161 |
| Noninterest expense to average assets | 2.3372% | 5,103 |
| Loan and lease loss provision to assets | 0.1009% | 2,240 |
| Net operating income to assets | 0.7166% | 3,592 |
| Return on assets (ROA) | 0.7166% | 3,679 |
| Pretax return on assets | 1.1941% | 2,505 |
| Return on Equity (ROE) | 3.9206% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.9206% | 3,761 |
| Net charge-offs to loans | -0.0155% | 5,223 |
| Credit loss provision to net charge-offs | -807.6923% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3481% | 4,805 |
| Assets per employee ($millions) | 10.1540% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 3,771 |
| Loan loss allowance to noncurrent loans | 104.5267% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 3,165 |
| Noncurrent loans to loans | 1.3050% | 2,846 |
| Net loans and leases to total assets | 79.0125% | 660 |
| Net loans and leases to deposits | 117.8063% | 87 |
| Net loans and leases to core deposits | 128.9794% | 198 |
| Total domestic deposits to total assets | 67.0698% | 6,535 |
| Equity capital to assets | 18.4154% | 300 |
| Core capital (leverage) ratio | 18.7310% | 262 |
| Tier 1 risk-based capital ratio | 23.0484% | 1,138 |
| Total risk-based capital ratio | 24.2997% | 1,129 |
| Memoranda: | ||
| Average total assets | $416,389,000 | 1,610 |
| Average earning assets | $392,881,000 | 1,572 |
| Average equity | $76,110,500 | 960 |
| Average total loans | $334,495,000 | 1,314 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,259 |
| Cost of funding earning assets | 0.5142% | 3,457 |
| Net interest margin | 3.7087% | 3,018 |
| Noninterest income to average assets | 0.2153% | 5,792 |
| Noninterest expense to average assets | 2.2978% | 5,392 |
| Loan and lease loss provision to assets | 0.3964% | 757 |
| Net operating income to assets | 0.6235% | 4,149 |
| Return on assets (ROA) | 0.6256% | 4,247 |
| Pretax return on assets | 1.0414% | 3,185 |
| Return on Equity (ROE) | 3.3508% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.3508% | 3,844 |
| Net charge-offs to loans | 0.4569% | 1,451 |
| Credit loss provision to net charge-offs | 108.2425% | 2,220 |
| Earnings coverage of net charge-offs (x) | 3.9176% | 3,718 |
| Efficiency ratio | 61.5652% | 5,281 |
| Assets per employee ($millions) | 10.4116% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,036 |
| Loan loss allowance to noncurrent loans | 84.2556% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2628% | 2,890 |
| Noncurrent loans to loans | 1.5675% | 2,549 |
| Net loans and leases to total assets | 79.4955% | 650 |
| Net loans and leases to deposits | 117.9835% | 81 |
| Net loans and leases to core deposits | 129.0948% | 203 |
| Total domestic deposits to total assets | 67.3785% | 6,602 |
| Equity capital to assets | 18.1420% | 309 |
| Core capital (leverage) ratio | 18.4274% | 277 |
| Tier 1 risk-based capital ratio | 22.6870% | 1,148 |
| Total risk-based capital ratio | 23.9376% | 1,125 |
| Memoranda: | ||
| Average total assets | $400,907,000 | 1,643 |
| Average earning assets | $380,186,200 | 1,595 |
| Average equity | $74,848,200 | 957 |
| Average total loans | $321,311,800 | 1,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,430 |
| Cost of funding earning assets | 0.5216% | 3,550 |
| Net interest margin | 3.6664% | 3,167 |
| Noninterest income to average assets | 0.1867% | 6,076 |
| Noninterest expense to average assets | 2.2726% | 5,428 |
| Loan and lease loss provision to assets | 0.4987% | 550 |
| Net operating income to assets | 0.5372% | 4,632 |
| Return on assets (ROA) | 0.5400% | 4,768 |
| Pretax return on assets | 0.8973% | 3,899 |
| Return on Equity (ROE) | 2.8712% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.8712% | 4,606 |
| Net charge-offs to loans | 0.6395% | 959 |
| Credit loss provision to net charge-offs | 97.4409% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.7192% | 3,929 |
| Efficiency ratio | 62.0200% | 5,137 |
| Assets per employee ($millions) | 10.2219% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,569 |
| Loan loss allowance to noncurrent loans | 68.9984% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4775% | 2,720 |
| Noncurrent loans to loans | 1.8334% | 2,458 |
| Net loans and leases to total assets | 79.5387% | 602 |
| Net loans and leases to deposits | 118.0542% | 82 |
| Net loans and leases to core deposits | 129.0399% | 203 |
| Total domestic deposits to total assets | 67.3747% | 6,676 |
| Equity capital to assets | 17.8727% | 332 |
| Core capital (leverage) ratio | 18.3377% | 282 |
| Tier 1 risk-based capital ratio | 22.3218% | 1,256 |
| Total risk-based capital ratio | 23.5719% | 1,231 |
| Memoranda: | ||
| Average total assets | $397,017,750 | 1,669 |
| Average earning assets | $376,560,000 | 1,612 |
| Average equity | $74,671,500 | 968 |
| Average total loans | $317,764,500 | 1,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,530 |
| Cost of funding earning assets | 0.5317% | 3,581 |
| Net interest margin | 3.6205% | 3,280 |
| Noninterest income to average assets | 0.2094% | 5,941 |
| Noninterest expense to average assets | 2.3118% | 5,334 |
| Loan and lease loss provision to assets | 0.1001% | 3,124 |
| Net operating income to assets | 0.7420% | 3,609 |
| Return on assets (ROA) | 0.7463% | 3,737 |
| Pretax return on assets | 1.2395% | 2,523 |
| Return on Equity (ROE) | 3.8984% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.8984% | 3,814 |
| Net charge-offs to loans | -0.0199% | 5,970 |
| Credit loss provision to net charge-offs | -629.0323% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4277% | 4,943 |
| Assets per employee ($millions) | 9.9413% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,034 |
| Loan loss allowance to noncurrent loans | 50.8691% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 1,974 |
| Noncurrent loans to loans | 2.7515% | 1,651 |
| Net loans and leases to total assets | 78.3961% | 703 |
| Net loans and leases to deposits | 113.2254% | 104 |
| Net loans and leases to core deposits | 123.4328% | 264 |
| Total domestic deposits to total assets | 69.2390% | 6,680 |
| Equity capital to assets | 18.2984% | 301 |
| Core capital (leverage) ratio | 19.3122% | 223 |
| Tier 1 risk-based capital ratio | 23.2586% | 1,097 |
| Total risk-based capital ratio | 24.5105% | 1,080 |
| Memoranda: | ||
| Average total assets | $389,657,670 | 1,699 |
| Average earning assets | $369,726,330 | 1,639 |
| Average equity | $74,594,000 | 973 |
| Average total loans | $311,147,330 | 1,364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,400 |
| Cost of funding earning assets | 0.5497% | 3,572 |
| Net interest margin | 3.6263% | 3,158 |
| Noninterest income to average assets | 0.1849% | 6,150 |
| Noninterest expense to average assets | 2.4030% | 5,111 |
| Loan and lease loss provision to assets | 0.0946% | 3,086 |
| Net operating income to assets | 0.6784% | 3,789 |
| Return on assets (ROA) | 0.6872% | 3,899 |
| Pretax return on assets | 1.1390% | 2,819 |
| Return on Equity (ROE) | 3.5067% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.5067% | 4,137 |
| Net charge-offs to loans | -0.0171% | 5,650 |
| Credit loss provision to net charge-offs | -692.3077% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3283% | 4,609 |
| Assets per employee ($millions) | 9.3418% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,018 |
| Loan loss allowance to noncurrent loans | 50.1420% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.3965% | 1,938 |
| Noncurrent loans to loans | 2.8908% | 1,748 |
| Net loans and leases to total assets | 78.3356% | 581 |
| Net loans and leases to deposits | 106.2213% | 194 |
| Net loans and leases to core deposits | 116.1049% | 353 |
| Total domestic deposits to total assets | 73.7475% | 6,548 |
| Equity capital to assets | 19.5616% | 235 |
| Core capital (leverage) ratio | 20.0189% | 193 |
| Tier 1 risk-based capital ratio | 24.5913% | 944 |
| Total risk-based capital ratio | 25.8438% | 931 |
| Memoranda: | ||
| Average total assets | $380,689,500 | 1,747 |
| Average earning assets | $360,920,500 | 1,691 |
| Average equity | $74,599,500 | 981 |
| Average total loans | $304,684,000 | 1,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 3,178 |
| Cost of funding earning assets | 0.6445% | 3,962 |
| Net interest margin | 3.9134% | 2,768 |
| Noninterest income to average assets | 0.1937% | 6,025 |
| Noninterest expense to average assets | 2.4628% | 5,215 |
| Loan and lease loss provision to assets | 0.0810% | 4,688 |
| Net operating income to assets | 0.8103% | 3,241 |
| Return on assets (ROA) | 0.8103% | 3,488 |
| Pretax return on assets | 1.3513% | 2,205 |
| Return on Equity (ROE) | 4.1268% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.1268% | 3,323 |
| Net charge-offs to loans | 0.0696% | 4,988 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 25.2762% | 1,141 |
| Efficiency ratio | 63.2283% | 5,031 |
| Assets per employee ($millions) | 9.4591% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 4,109 |
| Loan loss allowance to noncurrent loans | 51.5119% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.3316% | 2,105 |
| Noncurrent loans to loans | 2.7440% | 1,929 |
| Net loans and leases to total assets | 79.4494% | 523 |
| Net loans and leases to deposits | 108.8986% | 172 |
| Net loans and leases to core deposits | 120.1576% | 280 |
| Total domestic deposits to total assets | 72.9573% | 6,627 |
| Equity capital to assets | 19.6306% | 240 |
| Core capital (leverage) ratio | 19.4708% | 213 |
| Tier 1 risk-based capital ratio | 24.3651% | 929 |
| Total risk-based capital ratio | 25.6170% | 902 |
| Memoranda: | ||
| Average total assets | $370,598,400 | 1,755 |
| Average earning assets | $350,517,800 | 1,702 |
| Average equity | $72,768,600 | 968 |
| Average total loans | $301,860,200 | 1,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 3,464 |
| Cost of funding earning assets | 0.6599% | 4,102 |
| Net interest margin | 3.8817% | 2,977 |
| Noninterest income to average assets | 0.1855% | 6,193 |
| Noninterest expense to average assets | 2.4651% | 5,195 |
| Loan and lease loss provision to assets | 0.0814% | 4,617 |
| Net operating income to assets | 0.7873% | 3,514 |
| Return on assets (ROA) | 0.7873% | 3,754 |
| Pretax return on assets | 1.3089% | 2,568 |
| Return on Equity (ROE) | 4.0095% | 5,291 |
| Retained earnings to average equity (ytd only) | 4.0095% | 4,067 |
| Net charge-offs to loans | -0.0040% | 6,255 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9400% | 4,811 |
| Assets per employee ($millions) | 9.9707% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,208 |
| Loan loss allowance to noncurrent loans | 49.0421% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 2.6670% | 1,973 |
| Noncurrent loans to loans | 2.9297% | 1,907 |
| Net loans and leases to total assets | 80.6415% | 458 |
| Net loans and leases to deposits | 109.7576% | 161 |
| Net loans and leases to core deposits | 121.6816% | 283 |
| Total domestic deposits to total assets | 73.4723% | 6,641 |
| Equity capital to assets | 19.4082% | 267 |
| Core capital (leverage) ratio | 19.8161% | 212 |
| Tier 1 risk-based capital ratio | 23.8692% | 1,039 |
| Total risk-based capital ratio | 25.1216% | 1,019 |
| Memoranda: | ||
| Average total assets | $368,657,000 | 1,788 |
| Average earning assets | $348,528,750 | 1,728 |
| Average equity | $72,392,000 | 980 |
| Average total loans | $301,095,750 | 1,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 3,717 |
| Cost of funding earning assets | 0.6786% | 4,190 |
| Net interest margin | 3.8330% | 3,207 |
| Noninterest income to average assets | 0.2174% | 6,008 |
| Noninterest expense to average assets | 2.5052% | 5,117 |
| Loan and lease loss provision to assets | 0.0821% | 4,571 |
| Net operating income to assets | 0.7551% | 3,579 |
| Return on assets (ROA) | 0.7551% | 3,857 |
| Pretax return on assets | 1.2550% | 2,709 |
| Return on Equity (ROE) | 3.8300% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.8300% | 4,065 |
| Net charge-offs to loans | 0.0040% | 5,450 |
| Credit loss provision to net charge-offs | 2,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 104 |
| Efficiency ratio | 65.1988% | 4,686 |
| Assets per employee ($millions) | 9.5388% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,357 |
| Loan loss allowance to noncurrent loans | 51.9895% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.5513% | 2,191 |
| Noncurrent loans to loans | 2.7452% | 2,188 |
| Net loans and leases to total assets | 81.0205% | 400 |
| Net loans and leases to deposits | 110.3801% | 138 |
| Net loans and leases to core deposits | 123.1636% | 267 |
| Total domestic deposits to total assets | 73.4014% | 6,718 |
| Equity capital to assets | 19.5531% | 252 |
| Core capital (leverage) ratio | 19.8088% | 216 |
| Tier 1 risk-based capital ratio | 23.9546% | 1,019 |
| Total risk-based capital ratio | 25.2071% | 1,002 |
| Memoranda: | ||
| Average total assets | $365,247,000 | 1,806 |
| Average earning assets | $345,423,000 | 1,748 |
| Average equity | $72,011,000 | 977 |
| Average total loans | $298,129,670 | 1,426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 4,137 |
| Cost of funding earning assets | 0.7066% | 4,222 |
| Net interest margin | 3.7388% | 3,641 |
| Noninterest income to average assets | 0.1559% | 6,460 |
| Noninterest expense to average assets | 2.4009% | 5,464 |
| Loan and lease loss provision to assets | 0.0829% | 4,347 |
| Net operating income to assets | 0.7262% | 3,754 |
| Return on assets (ROA) | 0.7262% | 3,983 |
| Pretax return on assets | 1.2049% | 2,895 |
| Return on Equity (ROE) | 3.6680% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.6680% | 4,384 |
| Net charge-offs to loans | -0.0231% | 6,228 |
| Credit loss provision to net charge-offs | -441.1765% | 5,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0884% | 4,722 |
| Assets per employee ($millions) | 9.6667% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,356 |
| Loan loss allowance to noncurrent loans | 44.9026% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0656% | 1,902 |
| Noncurrent loans to loans | 3.2371% | 1,983 |
| Net loans and leases to total assets | 79.5858% | 449 |
| Net loans and leases to deposits | 105.9520% | 209 |
| Net loans and leases to core deposits | 118.5762% | 332 |
| Total domestic deposits to total assets | 75.1150% | 6,632 |
| Equity capital to assets | 19.5934% | 239 |
| Core capital (leverage) ratio | 20.1858% | 194 |
| Tier 1 risk-based capital ratio | 24.2139% | 985 |
| Total risk-based capital ratio | 25.4662% | 971 |
| Memoranda: | ||
| Average total assets | $361,864,500 | 1,829 |
| Average earning assets | $341,929,000 | 1,767 |
| Average equity | $71,646,500 | 974 |
| Average total loans | $294,309,500 | 1,444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 3,906 |
| Cost of funding earning assets | 0.7913% | 4,927 |
| Net interest margin | 3.9882% | 2,945 |
| Noninterest income to average assets | 0.3344% | 5,143 |
| Noninterest expense to average assets | 2.4725% | 5,561 |
| Loan and lease loss provision to assets | 0.2342% | 3,863 |
| Net operating income to assets | 0.8380% | 2,887 |
| Return on assets (ROA) | 0.8876% | 2,787 |
| Pretax return on assets | 1.4715% | 1,559 |
| Return on Equity (ROE) | 4.4744% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,986 |
| Net charge-offs to loans | 0.2835% | 4,008 |
| Credit loss provision to net charge-offs | 100.9852% | 3,449 |
| Earnings coverage of net charge-offs (x) | 7.0222% | 2,413 |
| Efficiency ratio | 60.2925% | 5,707 |
| Assets per employee ($millions) | 9.1384% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 4,264 |
| Loan loss allowance to noncurrent loans | 54.8622% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.5820% | 2,352 |
| Noncurrent loans to loans | 2.6346% | 2,468 |
| Net loans and leases to total assets | 80.7366% | 424 |
| Net loans and leases to deposits | 106.3242% | 237 |
| Net loans and leases to core deposits | 116.4646% | 435 |
| Total domestic deposits to total assets | 75.9344% | 6,492 |
| Equity capital to assets | 20.0114% | 233 |
| Core capital (leverage) ratio | 20.2695% | 191 |
| Tier 1 risk-based capital ratio | 24.5550% | 917 |
| Total risk-based capital ratio | 25.8075% | 906 |
| Memoranda: | ||
| Average total assets | $350,175,200 | 1,852 |
| Average earning assets | $330,702,400 | 1,789 |
| Average equity | $69,462,400 | 969 |
| Average total loans | $286,457,800 | 1,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 3,998 |
| Cost of funding earning assets | 0.8078% | 5,095 |
| Net interest margin | 3.9971% | 2,922 |
| Noninterest income to average assets | 0.1400% | 6,547 |
| Noninterest expense to average assets | 2.4787% | 5,536 |
| Loan and lease loss provision to assets | 0.0861% | 5,373 |
| Net operating income to assets | 0.8102% | 3,112 |
| Return on assets (ROA) | 0.8766% | 2,980 |
| Pretax return on assets | 1.4541% | 1,776 |
| Return on Equity (ROE) | 4.4290% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,572 |
| Net charge-offs to loans | 0.2049% | 4,163 |
| Credit loss provision to net charge-offs | 51.3699% | 5,007 |
| Earnings coverage of net charge-offs (x) | 8.5753% | 2,157 |
| Efficiency ratio | 63.3096% | 5,180 |
| Assets per employee ($millions) | 9.3991% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,604 |
| Loan loss allowance to noncurrent loans | 44.4185% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 3.0120% | 2,133 |
| Noncurrent loans to loans | 3.1305% | 2,224 |
| Net loans and leases to total assets | 79.3998% | 574 |
| Net loans and leases to deposits | 102.8197% | 358 |
| Net loans and leases to core deposits | 112.0652% | 604 |
| Total domestic deposits to total assets | 77.2224% | 6,342 |
| Equity capital to assets | 19.7123% | 260 |
| Core capital (leverage) ratio | 20.1295% | 215 |
| Tier 1 risk-based capital ratio | 24.4740% | 959 |
| Total risk-based capital ratio | 25.7260% | 945 |
| Memoranda: | ||
| Average total assets | $348,620,000 | 1,865 |
| Average earning assets | $329,265,000 | 1,804 |
| Average equity | $68,998,000 | 980 |
| Average total loans | $285,081,750 | 1,513 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 3,953 |
| Cost of funding earning assets | 0.8174% | 5,258 |
| Net interest margin | 4.0124% | 2,780 |
| Noninterest income to average assets | 0.1371% | 6,640 |
| Noninterest expense to average assets | 2.4062% | 5,822 |
| Loan and lease loss provision to assets | 0.0868% | 5,227 |
| Net operating income to assets | 0.8636% | 2,804 |
| Return on assets (ROA) | 0.8636% | 2,892 |
| Pretax return on assets | 1.4345% | 1,710 |
| Return on Equity (ROE) | 4.3573% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.3573% | 3,419 |
| Net charge-offs to loans | -0.0113% | 6,708 |
| Credit loss provision to net charge-offs | -937.5000% | 6,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2666% | 5,690 |
| Assets per employee ($millions) | 8.8041% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 4,053 |
| Loan loss allowance to noncurrent loans | 43.3079% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.9486% | 2,271 |
| Noncurrent loans to loans | 3.5024% | 2,018 |
| Net loans and leases to total assets | 80.7157% | 472 |
| Net loans and leases to deposits | 105.9828% | 266 |
| Net loans and leases to core deposits | 115.8436% | 521 |
| Total domestic deposits to total assets | 76.1593% | 6,574 |
| Equity capital to assets | 19.7455% | 274 |
| Core capital (leverage) ratio | 20.1375% | 213 |
| Tier 1 risk-based capital ratio | 24.2861% | 975 |
| Total risk-based capital ratio | 25.5395% | 953 |
| Memoranda: | ||
| Average total assets | $345,771,000 | 1,885 |
| Average earning assets | $326,636,000 | 1,821 |
| Average equity | $68,528,670 | 987 |
| Average total loans | $284,246,000 | 1,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 3,875 |
| Cost of funding earning assets | 0.8263% | 5,419 |
| Net interest margin | 4.0126% | 2,633 |
| Noninterest income to average assets | 0.1308% | 6,762 |
| Noninterest expense to average assets | 2.4707% | 5,668 |
| Loan and lease loss provision to assets | 0.0876% | 4,913 |
| Net operating income to assets | 0.8150% | 2,954 |
| Return on assets (ROA) | 0.8150% | 3,013 |
| Pretax return on assets | 1.3603% | 1,846 |
| Return on Equity (ROE) | 4.1044% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.1044% | 3,700 |
| Net charge-offs to loans | -0.0113% | 6,391 |
| Credit loss provision to net charge-offs | -937.5000% | 6,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0513% | 5,516 |
| Assets per employee ($millions) | 8.5404% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 4,155 |
| Loan loss allowance to noncurrent loans | 38.7111% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.3283% | 2,044 |
| Noncurrent loans to loans | 3.9028% | 1,882 |
| Net loans and leases to total assets | 81.9602% | 347 |
| Net loans and leases to deposits | 106.8676% | 233 |
| Net loans and leases to core deposits | 114.7317% | 575 |
| Total domestic deposits to total assets | 76.6932% | 6,577 |
| Equity capital to assets | 20.0081% | 259 |
| Core capital (leverage) ratio | 20.2977% | 215 |
| Tier 1 risk-based capital ratio | 24.2587% | 949 |
| Total risk-based capital ratio | 25.5119% | 935 |
| Memoranda: | ||
| Average total assets | $342,575,500 | 1,918 |
| Average earning assets | $323,380,500 | 1,856 |
| Average equity | $68,025,000 | 989 |
| Average total loans | $282,055,000 | 1,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 3,939 |
| Cost of funding earning assets | 1.0377% | 5,498 |
| Net interest margin | 4.0960% | 2,578 |
| Noninterest income to average assets | 0.2238% | 6,205 |
| Noninterest expense to average assets | 2.4397% | 5,976 |
| Loan and lease loss provision to assets | 0.0881% | 6,271 |
| Net operating income to assets | 0.9200% | 2,318 |
| Return on assets (ROA) | 0.9200% | 2,440 |
| Pretax return on assets | 1.5408% | 1,272 |
| Return on Equity (ROE) | 4.7119% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.7119% | 2,603 |
| Net charge-offs to loans | 0.2218% | 4,959 |
| Credit loss provision to net charge-offs | 48.7013% | 6,280 |
| Earnings coverage of net charge-offs (x) | 9.0049% | 1,892 |
| Efficiency ratio | 59.9639% | 6,056 |
| Assets per employee ($millions) | 9.0404% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,975 |
| Loan loss allowance to noncurrent loans | 36.9571% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 3.3976% | 2,057 |
| Noncurrent loans to loans | 4.0729% | 1,774 |
| Net loans and leases to total assets | 80.2287% | 639 |
| Net loans and leases to deposits | 106.3937% | 307 |
| Net loans and leases to core deposits | 114.1921% | 723 |
| Total domestic deposits to total assets | 75.4074% | 6,711 |
| Equity capital to assets | 19.7066% | 274 |
| Core capital (leverage) ratio | 20.1877% | 228 |
| Tier 1 risk-based capital ratio | 24.0268% | 931 |
| Total risk-based capital ratio | 25.1346% | 924 |
| Memoranda: | ||
| Average total assets | $340,529,000 | 1,918 |
| Average earning assets | $319,655,200 | 1,860 |
| Average equity | $66,491,600 | 1,009 |
| Average total loans | $277,788,000 | 1,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 3,792 |
| Cost of funding earning assets | 1.0929% | 5,462 |
| Net interest margin | 4.1141% | 2,559 |
| Noninterest income to average assets | 0.2641% | 6,006 |
| Noninterest expense to average assets | 2.4584% | 5,861 |
| Loan and lease loss provision to assets | 0.0883% | 6,162 |
| Net operating income to assets | 0.9367% | 2,467 |
| Return on assets (ROA) | 0.9367% | 2,603 |
| Pretax return on assets | 1.5743% | 1,410 |
| Return on Equity (ROE) | 4.8083% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.8083% | 3,123 |
| Net charge-offs to loans | 0.2683% | 4,339 |
| Credit loss provision to net charge-offs | 40.3226% | 6,012 |
| Earnings coverage of net charge-offs (x) | 7.5932% | 2,300 |
| Efficiency ratio | 59.6553% | 6,005 |
| Assets per employee ($millions) | 8.8668% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,835 |
| Loan loss allowance to noncurrent loans | 59.0596% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 3.0587% | 2,368 |
| Noncurrent loans to loans | 2.5867% | 3,041 |
| Net loans and leases to total assets | 80.2521% | 708 |
| Net loans and leases to deposits | 104.3669% | 415 |
| Net loans and leases to core deposits | 112.6053% | 904 |
| Total domestic deposits to total assets | 76.8942% | 6,502 |
| Equity capital to assets | 20.0575% | 283 |
| Core capital (leverage) ratio | 20.1454% | 243 |
| Tier 1 risk-based capital ratio | 23.9650% | 951 |
| Total risk-based capital ratio | 25.0817% | 943 |
| Memoranda: | ||
| Average total assets | $339,777,750 | 1,951 |
| Average earning assets | $318,540,750 | 1,894 |
| Average equity | $66,189,750 | 1,014 |
| Average total loans | $277,278,750 | 1,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 3,911 |
| Cost of funding earning assets | 1.1562% | 5,361 |
| Net interest margin | 4.0519% | 2,778 |
| Noninterest income to average assets | 0.2659% | 6,012 |
| Noninterest expense to average assets | 2.4542% | 5,900 |
| Loan and lease loss provision to assets | 0.0880% | 6,043 |
| Net operating income to assets | 0.9063% | 2,538 |
| Return on assets (ROA) | 0.9063% | 2,648 |
| Pretax return on assets | 1.5232% | 1,495 |
| Return on Equity (ROE) | 4.6983% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.6983% | 3,085 |
| Net charge-offs to loans | 0.0978% | 5,165 |
| Credit loss provision to net charge-offs | 110.2941% | 3,688 |
| Earnings coverage of net charge-offs (x) | 20.1838% | 1,225 |
| Efficiency ratio | 60.3667% | 5,986 |
| Assets per employee ($millions) | 8.9438% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 3,234 |
| Loan loss allowance to noncurrent loans | 65.1556% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.8756% | 2,500 |
| Noncurrent loans to loans | 2.5411% | 3,118 |
| Net loans and leases to total assets | 79.3799% | 894 |
| Net loans and leases to deposits | 103.5286% | 511 |
| Net loans and leases to core deposits | 111.2480% | 1,083 |
| Total domestic deposits to total assets | 76.6744% | 6,570 |
| Equity capital to assets | 19.5817% | 307 |
| Core capital (leverage) ratio | 19.7373% | 258 |
| Tier 1 risk-based capital ratio | 23.6193% | 986 |
| Total risk-based capital ratio | 24.8738% | 966 |
| Memoranda: | ||
| Average total assets | $340,724,670 | 1,959 |
| Average earning assets | $319,500,670 | 1,903 |
| Average equity | $65,726,000 | 1,013 |
| Average total loans | $278,173,670 | 1,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 4,138 |
| Cost of funding earning assets | 1.1989% | 5,411 |
| Net interest margin | 3.9802% | 2,958 |
| Noninterest income to average assets | 0.2755% | 5,949 |
| Noninterest expense to average assets | 2.4259% | 5,995 |
| Loan and lease loss provision to assets | 0.0879% | 5,755 |
| Net operating income to assets | 0.8501% | 2,752 |
| Return on assets (ROA) | 0.8501% | 2,845 |
| Pretax return on assets | 1.4984% | 1,522 |
| Return on Equity (ROE) | 4.4401% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.4401% | 3,490 |
| Net charge-offs to loans | 0.2042% | 3,689 |
| Credit loss provision to net charge-offs | 52.4476% | 4,445 |
| Earnings coverage of net charge-offs (x) | 9.4615% | 1,851 |
| Efficiency ratio | 60.4617% | 6,087 |
| Assets per employee ($millions) | 9.1828% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,437 |
| Loan loss allowance to noncurrent loans | 63.9793% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.8764% | 2,508 |
| Noncurrent loans to loans | 2.5032% | 3,174 |
| Net loans and leases to total assets | 80.6521% | 750 |
| Net loans and leases to deposits | 103.8520% | 537 |
| Net loans and leases to core deposits | 113.1885% | 1,083 |
| Total domestic deposits to total assets | 77.6606% | 6,407 |
| Equity capital to assets | 19.3603% | 317 |
| Core capital (leverage) ratio | 19.5838% | 276 |
| Tier 1 risk-based capital ratio | 23.0481% | 1,067 |
| Total risk-based capital ratio | 24.3018% | 1,046 |
| Memoranda: | ||
| Average total assets | $341,155,500 | 2,010 |
| Average earning assets | $320,287,500 | 1,947 |
| Average equity | $65,313,500 | 1,020 |
| Average total loans | $280,098,000 | 1,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 4,501 |
| Cost of funding earning assets | 1.4867% | 5,564 |
| Net interest margin | 3.9513% | 3,072 |
| Noninterest income to average assets | 0.2338% | 6,442 |
| Noninterest expense to average assets | 2.3825% | 6,517 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9165% | 2,120 |
| Return on assets (ROA) | 0.9165% | 2,187 |
| Pretax return on assets | 1.5449% | 1,085 |
| Return on Equity (ROE) | 4.9995% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.9995% | 1,815 |
| Net charge-offs to loans | 0.4477% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.3060% | 2,992 |
| Efficiency ratio | 60.6629% | 6,376 |
| Assets per employee ($millions) | 9.0144% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 3,257 |
| Loan loss allowance to noncurrent loans | 50.5075% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.4351% | 1,957 |
| Noncurrent loans to loans | 3.1824% | 2,401 |
| Net loans and leases to total assets | 80.9177% | 849 |
| Net loans and leases to deposits | 105.0788% | 599 |
| Net loans and leases to core deposits | 131.9518% | 1,178 |
| Total domestic deposits to total assets | 77.0067% | 6,475 |
| Equity capital to assets | 18.9311% | 373 |
| Core capital (leverage) ratio | 18.8571% | 348 |
| Tier 1 risk-based capital ratio | 22.4236% | 1,106 |
| Total risk-based capital ratio | 23.6773% | 1,081 |
| Memoranda: | ||
| Average total assets | $343,385,400 | 1,985 |
| Average earning assets | $320,980,800 | 1,941 |
| Average equity | $62,945,800 | 1,052 |
| Average total loans | $275,180,600 | 1,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 4,512 |
| Cost of funding earning assets | 1.5711% | 5,535 |
| Net interest margin | 3.9100% | 3,204 |
| Noninterest income to average assets | 0.1816% | 6,927 |
| Noninterest expense to average assets | 2.2875% | 6,738 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9076% | 2,398 |
| Return on assets (ROA) | 0.9076% | 2,465 |
| Pretax return on assets | 1.5456% | 1,289 |
| Return on Equity (ROE) | 4.9921% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.9921% | 2,496 |
| Net charge-offs to loans | 0.6063% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.2018% | 3,638 |
| Efficiency ratio | 59.6781% | 6,458 |
| Assets per employee ($millions) | 9.3748% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 2,938 |
| Loan loss allowance to noncurrent loans | 48.3305% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.5016% | 1,899 |
| Noncurrent loans to loans | 3.3413% | 2,261 |
| Net loans and leases to total assets | 79.3210% | 1,321 |
| Net loans and leases to deposits | 106.9781% | 608 |
| Net loans and leases to core deposits | 133.0209% | 1,264 |
| Total domestic deposits to total assets | 74.1469% | 6,920 |
| Equity capital to assets | 18.4649% | 471 |
| Core capital (leverage) ratio | 18.4321% | 422 |
| Tier 1 risk-based capital ratio | 22.0215% | 1,224 |
| Total risk-based capital ratio | 23.2750% | 1,201 |
| Memoranda: | ||
| Average total assets | $343,594,750 | 1,999 |
| Average earning assets | $320,879,750 | 1,954 |
| Average equity | $62,470,250 | 1,070 |
| Average total loans | $273,548,250 | 1,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 4,947 |
| Cost of funding earning assets | 1.6948% | 5,295 |
| Net interest margin | 3.7440% | 3,776 |
| Noninterest income to average assets | 0.1945% | 6,902 |
| Noninterest expense to average assets | 2.2698% | 6,849 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8409% | 2,696 |
| Return on assets (ROA) | 0.8409% | 2,794 |
| Pretax return on assets | 1.4219% | 1,661 |
| Return on Equity (ROE) | 4.6494% | 4,235 |
| Retained earnings to average equity (ytd only) | 4.6494% | 2,714 |
| Net charge-offs to loans | 0.4840% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.7062% | 3,327 |
| Efficiency ratio | 61.4837% | 6,317 |
| Assets per employee ($millions) | 10.5370% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,002 |
| Loan loss allowance to noncurrent loans | 41.7731% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 3.7035% | 1,660 |
| Noncurrent loans to loans | 4.3478% | 1,494 |
| Net loans and leases to total assets | 79.3360% | 1,451 |
| Net loans and leases to deposits | 106.5885% | 733 |
| Net loans and leases to core deposits | 132.3051% | 1,417 |
| Total domestic deposits to total assets | 74.4321% | 6,880 |
| Equity capital to assets | 18.1088% | 539 |
| Core capital (leverage) ratio | 18.5778% | 448 |
| Tier 1 risk-based capital ratio | 21.7192% | 1,296 |
| Total risk-based capital ratio | 22.9754% | 1,267 |
| Memoranda: | ||
| Average total assets | $342,503,670 | 2,024 |
| Average earning assets | $319,922,330 | 1,984 |
| Average equity | $61,944,000 | 1,099 |
| Average total loans | $271,512,670 | 1,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 4,543 |
| Cost of funding earning assets | 1.7857% | 5,182 |
| Net interest margin | 3.7798% | 3,536 |
| Noninterest income to average assets | 0.1577% | 7,178 |
| Noninterest expense to average assets | 2.2807% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8273% | 3,015 |
| Return on assets (ROA) | 0.8273% | 3,165 |
| Pretax return on assets | 1.3993% | 1,968 |
| Return on Equity (ROE) | 4.5774% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,383 |
| Net charge-offs to loans | 0.9851% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8097% | 3,823 |
| Efficiency ratio | 61.9763% | 6,053 |
| Assets per employee ($millions) | 9.8817% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 1,653 |
| Loan loss allowance to noncurrent loans | 57.6154% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.7433% | 2,072 |
| Noncurrent loans to loans | 3.2747% | 1,962 |
| Net loans and leases to total assets | 78.9834% | 1,586 |
| Net loans and leases to deposits | 104.2634% | 991 |
| Net loans and leases to core deposits | 128.3976% | 1,755 |
| Total domestic deposits to total assets | 75.7538% | 6,565 |
| Equity capital to assets | 18.4967% | 542 |
| Core capital (leverage) ratio | 18.8450% | 464 |
| Tier 1 risk-based capital ratio | 22.1752% | 1,283 |
| Total risk-based capital ratio | 23.4321% | 1,250 |
| Memoranda: | ||
| Average total assets | $339,895,000 | 2,044 |
| Average earning assets | $316,733,000 | 2,012 |
| Average equity | $61,432,000 | 1,116 |
| Average total loans | $266,783,500 | 1,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4907% | 3,009 |
| Cost of funding earning assets | 2.4714% | 4,358 |
| Net interest margin | 4.0193% | 3,027 |
| Noninterest income to average assets | 0.1952% | 7,060 |
| Noninterest expense to average assets | 2.3804% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9011% | 2,994 |
| Return on assets (ROA) | 0.4550% | 4,757 |
| Pretax return on assets | 0.8463% | 3,901 |
| Return on Equity (ROE) | 2.4297% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.4297% | 3,685 |
| Net charge-offs to loans | -0.0139% | 7,888 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6669% | 6,226 |
| Assets per employee ($millions) | 10.1121% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 961 |
| Loan loss allowance to noncurrent loans | 83.8306% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 2,332 |
| Noncurrent loans to loans | 2.6116% | 2,075 |
| Net loans and leases to total assets | 74.8482% | 2,912 |
| Net loans and leases to deposits | 105.1149% | 1,213 |
| Net loans and leases to core deposits | 131.1786% | 1,771 |
| Total domestic deposits to total assets | 71.2061% | 7,132 |
| Equity capital to assets | 17.6605% | 695 |
| Core capital (leverage) ratio | 18.3577% | 566 |
| Tier 1 risk-based capital ratio | 21.8963% | 1,327 |
| Total risk-based capital ratio | 23.1561% | 1,292 |
| Memoranda: | ||
| Average total assets | $324,818,000 | 2,059 |
| Average earning assets | $301,321,800 | 2,026 |
| Average equity | $60,831,200 | 1,106 |
| Average total loans | $252,529,000 | 1,888 |