Home > Winchester Co-operative Bank > Performance and Condition Ratios
Winchester 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 | 3.7551% | 4,224 |
| Cost of funding earning assets | 1.8681% | 1,128 |
| Net interest margin | 1.8870% | 4,444 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.6789% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2378% | 4,117 |
| Return on assets (ROA) | 0.2378% | 4,125 |
| Pretax return on assets | 0.2971% | 4,092 |
| Return on Equity (ROE) | 1.8000% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.8028% | 3,624 |
| Net charge-offs to loans | 0.0014% | 2,790 |
| Credit loss provision to net charge-offs | 312.5000% | 925 |
| Earnings coverage of net charge-offs (x) | 288.1250% | 444 |
| Efficiency ratio | 84.8255% | 619 |
| Assets per employee ($millions) | 14.0956% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 4,407 |
| Loan loss allowance to noncurrent loans | 99.1138% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 1,840 |
| Noncurrent loans to loans | 0.3583% | 1,910 |
| Net loans and leases to total assets | 76.9000% | 988 |
| Net loans and leases to deposits | 91.4672% | 1,143 |
| Net loans and leases to core deposits | 117.0088% | 716 |
| Total domestic deposits to total assets | 84.0800% | 2,600 |
| Equity capital to assets | 13.1149% | 841 |
| Core capital (leverage) ratio | 13.2518% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $767,459,600 | 1,219 |
| Average earning assets | $746,008,400 | 1,173 |
| Average equity | $101,229,200 | 938 |
| Average total loans | $567,281,400 | 1,123 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,266 |
| Cost of funding earning assets | 1.6867% | 1,213 |
| Net interest margin | 1.9593% | 4,453 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.6839% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2860% | 4,127 |
| Return on assets (ROA) | 0.2860% | 4,134 |
| Pretax return on assets | 0.3612% | 4,104 |
| Return on Equity (ROE) | 2.1700% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.1651% | 3,702 |
| Net charge-offs to loans | 0.0019% | 2,511 |
| Credit loss provision to net charge-offs | 312.5000% | 855 |
| Earnings coverage of net charge-offs (x) | 262.3750% | 497 |
| Efficiency ratio | 82.1620% | 719 |
| Assets per employee ($millions) | 13.9914% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3592% | 4,426 |
| Loan loss allowance to noncurrent loans | 49.7425% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 1,053 |
| Noncurrent loans to loans | 0.7220% | 1,151 |
| Net loans and leases to total assets | 76.6100% | 1,045 |
| Net loans and leases to deposits | 91.5758% | 1,090 |
| Net loans and leases to core deposits | 115.7908% | 669 |
| Total domestic deposits to total assets | 83.6600% | 2,867 |
| Equity capital to assets | 13.1887% | 774 |
| Core capital (leverage) ratio | 13.3232% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $765,510,250 | 1,218 |
| Average earning assets | $744,459,000 | 1,175 |
| Average equity | $101,118,000 | 935 |
| Average total loans | $559,523,500 | 1,134 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,307 |
| Cost of funding earning assets | 1.4904% | 1,262 |
| Net interest margin | 2.0539% | 4,480 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.6810% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3528% | 4,085 |
| Return on assets (ROA) | 0.3528% | 4,109 |
| Pretax return on assets | 0.4612% | 4,028 |
| Return on Equity (ROE) | 2.6700% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.6695% | 3,559 |
| Net charge-offs to loans | 0.0029% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 220.2500% | 557 |
| Efficiency ratio | 78.4728% | 962 |
| Assets per employee ($millions) | 13.3332% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3671% | 4,453 |
| Loan loss allowance to noncurrent loans | 60.3275% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 1,171 |
| Noncurrent loans to loans | 0.6085% | 1,226 |
| Net loans and leases to total assets | 74.9900% | 1,163 |
| Net loans and leases to deposits | 87.0529% | 1,423 |
| Net loans and leases to core deposits | 108.2483% | 897 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 13.3155% | 745 |
| Core capital (leverage) ratio | 13.4502% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $764,172,000 | 1,219 |
| Average earning assets | $743,562,333 | 1,173 |
| Average equity | $100,994,000 | 932 |
| Average total loans | $548,809,333 | 1,136 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 4,319 |
| Cost of funding earning assets | 1.2499% | 1,337 |
| Net interest margin | 2.2027% | 4,496 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6068% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5142% | 3,862 |
| Return on assets (ROA) | 0.5142% | 3,825 |
| Pretax return on assets | 0.6771% | 3,704 |
| Return on Equity (ROE) | 3.9100% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9051% | 3,298 |
| Net charge-offs to loans | 0.0060% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 162.1250% | 584 |
| Efficiency ratio | 70.3543% | 1,714 |
| Assets per employee ($millions) | 13.8031% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2450% | 4,552 |
| Loan loss allowance to noncurrent loans | 65.6496% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 1,803 |
| Noncurrent loans to loans | 0.3732% | 1,815 |
| Net loans and leases to total assets | 71.5500% | 1,465 |
| Net loans and leases to deposits | 83.1004% | 1,571 |
| Net loans and leases to core deposits | 102.7445% | 976 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 13.3547% | 688 |
| Core capital (leverage) ratio | 13.4455% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $766,262,000 | 1,230 |
| Average earning assets | $745,647,000 | 1,188 |
| Average equity | $100,892,500 | 945 |
| Average total loans | $537,189,000 | 1,168 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6647% | 4,428 |
| Cost of funding earning assets | 0.4627% | 1,632 |
| Net interest margin | 2.2020% | 4,478 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.4765% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5888% | 3,907 |
| Return on assets (ROA) | 0.5888% | 3,869 |
| Pretax return on assets | 0.8019% | 3,619 |
| Return on Equity (ROE) | 4.7600% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.7562% | 3,154 |
| Net charge-offs to loans | 0.0012% | 2,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,055.3333% | 170 |
| Efficiency ratio | 64.8027% | 2,388 |
| Assets per employee ($millions) | 13.8099% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2533% | 4,567 |
| Loan loss allowance to noncurrent loans | 49.1935% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 1,454 |
| Noncurrent loans to loans | 0.5148% | 1,417 |
| Net loans and leases to total assets | 68.3400% | 1,800 |
| Net loans and leases to deposits | 79.0110% | 1,845 |
| Net loans and leases to core deposits | 95.6778% | 1,222 |
| Total domestic deposits to total assets | 86.5000% | 2,571 |
| Equity capital to assets | 12.9824% | 709 |
| Core capital (leverage) ratio | 12.9932% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $789,595,600 | 1,196 |
| Average earning assets | $775,057,600 | 1,141 |
| Average equity | $97,745,200 | 961 |
| Average total loans | $486,597,000 | 1,198 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4556% | 4,466 |
| Cost of funding earning assets | 0.3611% | 1,610 |
| Net interest margin | 2.0945% | 4,518 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.4612% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5137% | 4,045 |
| Return on assets (ROA) | 0.5137% | 3,992 |
| Pretax return on assets | 0.7074% | 3,787 |
| Return on Equity (ROE) | 4.2000% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.1998% | 3,376 |
| Net charge-offs to loans | 0.0017% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 701.8333% | 232 |
| Efficiency ratio | 67.3793% | 2,105 |
| Assets per employee ($millions) | 13.6402% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2729% | 4,598 |
| Loan loss allowance to noncurrent loans | 57.7950% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 1,753 |
| Noncurrent loans to loans | 0.4721% | 1,620 |
| Net loans and leases to total assets | 63.0800% | 2,181 |
| Net loans and leases to deposits | 72.7069% | 2,156 |
| Net loans and leases to core deposits | 87.3026% | 1,447 |
| Total domestic deposits to total assets | 86.7600% | 2,835 |
| Equity capital to assets | 12.7087% | 730 |
| Core capital (leverage) ratio | 12.6493% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $793,656,500 | 1,201 |
| Average earning assets | $780,625,250 | 1,144 |
| Average equity | $97,081,500 | 972 |
| Average total loans | $475,778,500 | 1,220 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2500% | 4,541 |
| Cost of funding earning assets | 0.3399% | 1,364 |
| Net interest margin | 1.9100% | 4,597 |
| Noninterest income to average assets | 0.1031% | 4,469 |
| Noninterest expense to average assets | 1.4422% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3962% | 4,115 |
| Return on assets (ROA) | 0.3962% | 4,067 |
| Pretax return on assets | 0.5454% | 3,930 |
| Return on Equity (ROE) | 3.2806% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.2806% | 3,359 |
| Net charge-offs to loans | 0.0026% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 363.1667% | 347 |
| Efficiency ratio | 72.5601% | 1,685 |
| Assets per employee ($millions) | 14.1943% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2845% | 4,667 |
| Loan loss allowance to noncurrent loans | 39.6104% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 1,335 |
| Noncurrent loans to loans | 0.7181% | 1,205 |
| Net loans and leases to total assets | 59.1831% | 2,419 |
| Net loans and leases to deposits | 67.8103% | 2,405 |
| Net loans and leases to core deposits | 81.8810% | 1,601 |
| Total domestic deposits to total assets | 87.2775% | 2,841 |
| Equity capital to assets | 12.2450% | 811 |
| Core capital (leverage) ratio | 12.2747% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $799,045,000 | 1,192 |
| Average earning assets | $788,370,000 | 1,140 |
| Average equity | $96,505,667 | 984 |
| Average total loans | $470,438,333 | 1,223 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1484% | 4,556 |
| Cost of funding earning assets | 0.3438% | 1,258 |
| Net interest margin | 1.8046% | 4,616 |
| Noninterest income to average assets | 0.1068% | 4,469 |
| Noninterest expense to average assets | 1.4180% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3400% | 4,074 |
| Return on assets (ROA) | 0.3400% | 4,041 |
| Pretax return on assets | 0.4683% | 3,925 |
| Return on Equity (ROE) | 2.8348% | 4,134 |
| Retained earnings to average equity (ytd only) | 2.8348% | 3,324 |
| Net charge-offs to loans | 0.0060% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 574 |
| Efficiency ratio | 75.1720% | 1,616 |
| Assets per employee ($millions) | 14.8761% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 4,690 |
| Loan loss allowance to noncurrent loans | 35.3360% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 1,289 |
| Noncurrent loans to loans | 0.8129% | 1,163 |
| Net loans and leases to total assets | 57.9512% | 2,305 |
| Net loans and leases to deposits | 66.2142% | 2,318 |
| Net loans and leases to core deposits | 80.7396% | 1,435 |
| Total domestic deposits to total assets | 87.5208% | 2,737 |
| Equity capital to assets | 12.0045% | 950 |
| Core capital (leverage) ratio | 12.2482% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,127,000 | 1,195 |
| Average earning assets | $789,970,500 | 1,139 |
| Average equity | $96,092,000 | 1,014 |
| Average total loans | $469,769,000 | 1,218 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3358% | 4,571 |
| Cost of funding earning assets | 0.5190% | 855 |
| Net interest margin | 1.8168% | 4,662 |
| Noninterest income to average assets | 0.1740% | 4,284 |
| Noninterest expense to average assets | 1.3775% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4201% | 4,242 |
| Return on assets (ROA) | 0.4201% | 4,280 |
| Pretax return on assets | 0.5785% | 4,137 |
| Return on Equity (ROE) | 3.4457% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.4457% | 3,434 |
| Net charge-offs to loans | 0.0088% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 852 |
| Efficiency ratio | 70.4258% | 1,692 |
| Assets per employee ($millions) | 15.0745% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2852% | 4,738 |
| Loan loss allowance to noncurrent loans | 32.1029% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 1,271 |
| Noncurrent loans to loans | 0.8884% | 1,145 |
| Net loans and leases to total assets | 58.9930% | 2,272 |
| Net loans and leases to deposits | 67.3783% | 2,365 |
| Net loans and leases to core deposits | 82.4452% | 1,425 |
| Total domestic deposits to total assets | 87.5550% | 2,260 |
| Equity capital to assets | 11.9846% | 1,256 |
| Core capital (leverage) ratio | 12.2231% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $772,040,400 | 1,192 |
| Average earning assets | $757,246,400 | 1,141 |
| Average equity | $94,116,000 | 1,061 |
| Average total loans | $477,967,400 | 1,202 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3752% | 4,642 |
| Cost of funding earning assets | 0.5576% | 796 |
| Net interest margin | 1.8175% | 4,738 |
| Noninterest income to average assets | 0.1787% | 4,307 |
| Noninterest expense to average assets | 1.3889% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4134% | 4,354 |
| Return on assets (ROA) | 0.4134% | 4,386 |
| Pretax return on assets | 0.5706% | 4,273 |
| Return on Equity (ROE) | 3.3764% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.3764% | 3,777 |
| Net charge-offs to loans | 0.0117% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 77.9762% | 996 |
| Efficiency ratio | 70.8811% | 1,508 |
| Assets per employee ($millions) | 14.8541% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2813% | 4,822 |
| Loan loss allowance to noncurrent loans | 30.3604% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 1,340 |
| Noncurrent loans to loans | 0.9265% | 1,239 |
| Net loans and leases to total assets | 61.8680% | 2,020 |
| Net loans and leases to deposits | 71.4459% | 2,111 |
| Net loans and leases to core deposits | 88.0235% | 1,148 |
| Total domestic deposits to total assets | 86.5942% | 2,509 |
| Equity capital to assets | 12.2837% | 1,270 |
| Core capital (leverage) ratio | 12.2964% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $765,313,750 | 1,213 |
| Average earning assets | $749,795,000 | 1,161 |
| Average equity | $93,707,250 | 1,075 |
| Average total loans | $479,291,500 | 1,224 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3838% | 4,681 |
| Cost of funding earning assets | 0.5994% | 751 |
| Net interest margin | 1.7845% | 4,790 |
| Noninterest income to average assets | 0.1848% | 4,274 |
| Noninterest expense to average assets | 1.3524% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4192% | 4,346 |
| Return on assets (ROA) | 0.4192% | 4,391 |
| Pretax return on assets | 0.5791% | 4,271 |
| Return on Equity (ROE) | 3.4271% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.4271% | 3,707 |
| Net charge-offs to loans | 0.0008% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,104.5000% | 114 |
| Efficiency ratio | 70.0190% | 1,632 |
| Assets per employee ($millions) | 14.7836% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2825% | 4,855 |
| Loan loss allowance to noncurrent loans | 29.8110% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 1,379 |
| Noncurrent loans to loans | 0.9478% | 1,304 |
| Net loans and leases to total assets | 63.7228% | 1,980 |
| Net loans and leases to deposits | 74.1016% | 1,989 |
| Net loans and leases to core deposits | 90.8370% | 1,079 |
| Total domestic deposits to total assets | 85.9938% | 2,743 |
| Equity capital to assets | 12.2418% | 1,251 |
| Core capital (leverage) ratio | 12.3182% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $762,948,000 | 1,212 |
| Average earning assets | $746,777,667 | 1,156 |
| Average equity | $93,316,000 | 1,078 |
| Average total loans | $479,314,333 | 1,229 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4046% | 4,711 |
| Cost of funding earning assets | 0.6520% | 683 |
| Net interest margin | 1.7526% | 4,827 |
| Noninterest income to average assets | 0.1689% | 4,351 |
| Noninterest expense to average assets | 1.2894% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4337% | 4,299 |
| Return on assets (ROA) | 0.4337% | 4,330 |
| Pretax return on assets | 0.5942% | 4,200 |
| Return on Equity (ROE) | 3.5471% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,622 |
| Net charge-offs to loans | 0.0008% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,129.0000% | 80 |
| Efficiency ratio | 68.4549% | 1,874 |
| Assets per employee ($millions) | 15.0565% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2939% | 4,876 |
| Loan loss allowance to noncurrent loans | 24.7109% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 1,265 |
| Noncurrent loans to loans | 1.1893% | 1,110 |
| Net loans and leases to total assets | 61.3705% | 2,354 |
| Net loans and leases to deposits | 71.2989% | 2,388 |
| Net loans and leases to core deposits | 88.8199% | 1,301 |
| Total domestic deposits to total assets | 86.0750% | 2,706 |
| Equity capital to assets | 12.1545% | 1,220 |
| Core capital (leverage) ratio | 12.4466% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $760,049,500 | 1,200 |
| Average earning assets | $743,585,500 | 1,151 |
| Average equity | $92,920,000 | 1,068 |
| Average total loans | $473,344,500 | 1,237 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 4,722 |
| Cost of funding earning assets | 0.9771% | 651 |
| Net interest margin | 1.8874% | 4,863 |
| Noninterest income to average assets | 0.2619% | 3,911 |
| Noninterest expense to average assets | 1.5975% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3784% | 4,288 |
| Return on assets (ROA) | 0.3784% | 4,370 |
| Pretax return on assets | 0.5127% | 4,251 |
| Return on Equity (ROE) | 3.0377% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.0377% | 3,331 |
| Net charge-offs to loans | 0.0006% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1,247.0000% | 90 |
| Efficiency ratio | 75.7046% | 1,268 |
| Assets per employee ($millions) | 14.1928% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2930% | 4,905 |
| Loan loss allowance to noncurrent loans | 25.6131% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 1,440 |
| Noncurrent loans to loans | 1.1440% | 1,244 |
| Net loans and leases to total assets | 62.8353% | 2,504 |
| Net loans and leases to deposits | 73.1445% | 2,574 |
| Net loans and leases to core deposits | 92.1296% | 1,376 |
| Total domestic deposits to total assets | 85.9057% | 2,403 |
| Equity capital to assets | 12.2980% | 1,420 |
| Core capital (leverage) ratio | 12.4211% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,709,600 | 1,134 |
| Average earning assets | $714,576,400 | 1,083 |
| Average equity | $90,892,000 | 1,049 |
| Average total loans | $494,173,000 | 1,151 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 4,765 |
| Cost of funding earning assets | 1.0420% | 657 |
| Net interest margin | 1.9128% | 4,909 |
| Noninterest income to average assets | 0.2438% | 4,022 |
| Noninterest expense to average assets | 1.6686% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3314% | 4,389 |
| Return on assets (ROA) | 0.3314% | 4,448 |
| Pretax return on assets | 0.4478% | 4,376 |
| Return on Equity (ROE) | 2.6522% | 4,449 |
| Retained earnings to average equity (ytd only) | 2.6522% | 3,665 |
| Net charge-offs to loans | 0.0008% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 810.6667% | 150 |
| Efficiency ratio | 78.8411% | 960 |
| Assets per employee ($millions) | 13.9460% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2849% | 4,937 |
| Loan loss allowance to noncurrent loans | 31.2065% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 1,925 |
| Noncurrent loans to loans | 0.9129% | 1,634 |
| Net loans and leases to total assets | 65.7745% | 2,546 |
| Net loans and leases to deposits | 76.6684% | 2,690 |
| Net loans and leases to core deposits | 97.7340% | 1,328 |
| Total domestic deposits to total assets | 85.7909% | 2,151 |
| Equity capital to assets | 12.3856% | 1,475 |
| Core capital (leverage) ratio | 12.3799% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,082,250 | 1,125 |
| Average earning assets | $708,874,500 | 1,078 |
| Average equity | $90,488,000 | 1,043 |
| Average total loans | $499,204,250 | 1,128 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0770% | 4,798 |
| Cost of funding earning assets | 1.1109% | 693 |
| Net interest margin | 1.9661% | 4,954 |
| Noninterest income to average assets | 0.2206% | 4,171 |
| Noninterest expense to average assets | 1.7934% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2617% | 4,479 |
| Return on assets (ROA) | 0.2617% | 4,524 |
| Pretax return on assets | 0.3505% | 4,471 |
| Return on Equity (ROE) | 2.0880% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.0880% | 3,718 |
| Net charge-offs to loans | 0.0012% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 238 |
| Efficiency ratio | 83.6533% | 660 |
| Assets per employee ($millions) | 13.7243% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2789% | 4,966 |
| Loan loss allowance to noncurrent loans | 39.0717% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 2,400 |
| Noncurrent loans to loans | 0.7138% | 2,094 |
| Net loans and leases to total assets | 67.0143% | 2,499 |
| Net loans and leases to deposits | 77.9613% | 2,658 |
| Net loans and leases to core deposits | 99.6019% | 1,284 |
| Total domestic deposits to total assets | 85.9585% | 2,025 |
| Equity capital to assets | 12.2368% | 1,521 |
| Core capital (leverage) ratio | 12.4904% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $719,063,000 | 1,118 |
| Average earning assets | $703,409,000 | 1,071 |
| Average equity | $90,135,000 | 1,035 |
| Average total loans | $503,087,333 | 1,111 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 4,823 |
| Cost of funding earning assets | 1.1501% | 908 |
| Net interest margin | 2.1337% | 4,982 |
| Noninterest income to average assets | 0.2768% | 3,866 |
| Noninterest expense to average assets | 2.2061% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1260% | 4,626 |
| Return on assets (ROA) | 0.1260% | 4,632 |
| Pretax return on assets | 0.1554% | 4,619 |
| Return on Equity (ROE) | 0.9927% | 4,629 |
| Retained earnings to average equity (ytd only) | 0.9927% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4211% | 385 |
| Assets per employee ($millions) | 13.1617% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2767% | 5,006 |
| Loan loss allowance to noncurrent loans | 52.5680% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 2,956 |
| Noncurrent loans to loans | 0.5265% | 2,681 |
| Net loans and leases to total assets | 70.5748% | 2,158 |
| Net loans and leases to deposits | 82.5783% | 2,373 |
| Net loans and leases to core deposits | 105.5778% | 1,085 |
| Total domestic deposits to total assets | 85.4640% | 2,222 |
| Equity capital to assets | 12.6587% | 1,639 |
| Core capital (leverage) ratio | 12.9618% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,039,500 | 1,105 |
| Average earning assets | $691,755,500 | 1,045 |
| Average equity | $89,858,500 | 1,029 |
| Average total loans | $505,611,500 | 1,090 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,830 |
| Cost of funding earning assets | 1.1891% | 1,050 |
| Net interest margin | 2.3479% | 5,022 |
| Noninterest income to average assets | 0.1191% | 4,861 |
| Noninterest expense to average assets | 1.5507% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6345% | 4,060 |
| Return on assets (ROA) | 0.6345% | 4,127 |
| Pretax return on assets | 0.8583% | 3,857 |
| Return on Equity (ROE) | 4.8414% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.8414% | 2,506 |
| Net charge-offs to loans | 0.0010% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,147.2000% | 84 |
| Efficiency ratio | 64.3705% | 3,025 |
| Assets per employee ($millions) | 13.5643% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2739% | 5,056 |
| Loan loss allowance to noncurrent loans | 35.2941% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,211 |
| Noncurrent loans to loans | 0.7760% | 1,961 |
| Net loans and leases to total assets | 71.8570% | 2,114 |
| Net loans and leases to deposits | 84.8690% | 2,226 |
| Net loans and leases to core deposits | 105.8729% | 1,111 |
| Total domestic deposits to total assets | 84.6682% | 2,620 |
| Equity capital to assets | 12.7238% | 1,692 |
| Core capital (leverage) ratio | 12.9312% | 1,264 |
| Tier 1 risk-based capital ratio | 25.9792% | 682 |
| Total risk-based capital ratio | 26.3822% | 726 |
| Memoranda: | ||
| Average total assets | $668,285,000 | 1,123 |
| Average earning assets | $651,772,000 | 1,062 |
| Average equity | $87,578,000 | 1,007 |
| Average total loans | $505,856,000 | 1,071 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,895 |
| Cost of funding earning assets | 1.1747% | 1,096 |
| Net interest margin | 2.4073% | 5,103 |
| Noninterest income to average assets | 0.1030% | 4,980 |
| Noninterest expense to average assets | 1.5914% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6328% | 4,204 |
| Return on assets (ROA) | 0.6328% | 4,255 |
| Pretax return on assets | 0.8574% | 3,984 |
| Return on Equity (ROE) | 4.7918% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.7918% | 2,994 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9868% | 2,862 |
| Assets per employee ($millions) | 13.1336% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 5,131 |
| Loan loss allowance to noncurrent loans | 32.4431% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,109 |
| Noncurrent loans to loans | 0.8463% | 1,888 |
| Net loans and leases to total assets | 74.2928% | 1,760 |
| Net loans and leases to deposits | 88.1090% | 1,916 |
| Net loans and leases to core deposits | 110.8070% | 908 |
| Total domestic deposits to total assets | 84.3192% | 2,704 |
| Equity capital to assets | 12.9783% | 1,642 |
| Core capital (leverage) ratio | 13.2705% | 1,226 |
| Tier 1 risk-based capital ratio | 25.2237% | 758 |
| Total risk-based capital ratio | 25.6212% | 798 |
| Memoranda: | ||
| Average total assets | $659,020,000 | 1,135 |
| Average earning assets | $642,198,500 | 1,074 |
| Average equity | $87,035,750 | 1,010 |
| Average total loans | $505,262,000 | 1,066 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,926 |
| Cost of funding earning assets | 1.1424% | 1,155 |
| Net interest margin | 2.4658% | 5,145 |
| Noninterest income to average assets | 0.1020% | 5,030 |
| Noninterest expense to average assets | 1.6739% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6147% | 4,268 |
| Return on assets (ROA) | 0.6147% | 4,306 |
| Pretax return on assets | 0.8316% | 4,019 |
| Return on Equity (ROE) | 4.6264% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.6264% | 2,959 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8097% | 2,707 |
| Assets per employee ($millions) | 13.0239% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2773% | 5,189 |
| Loan loss allowance to noncurrent loans | 37.3829% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,329 |
| Noncurrent loans to loans | 0.7419% | 2,134 |
| Net loans and leases to total assets | 75.6248% | 1,607 |
| Net loans and leases to deposits | 89.9583% | 1,747 |
| Net loans and leases to core deposits | 111.1044% | 914 |
| Total domestic deposits to total assets | 84.0665% | 2,833 |
| Equity capital to assets | 13.1745% | 1,505 |
| Core capital (leverage) ratio | 13.3834% | 1,157 |
| Tier 1 risk-based capital ratio | 25.3869% | 720 |
| Total risk-based capital ratio | 25.7922% | 776 |
| Memoranda: | ||
| Average total assets | $651,043,670 | 1,147 |
| Average earning assets | $634,613,670 | 1,088 |
| Average equity | $86,502,670 | 1,013 |
| Average total loans | $504,089,670 | 1,067 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,961 |
| Cost of funding earning assets | 1.0922% | 1,209 |
| Net interest margin | 2.5165% | 5,183 |
| Noninterest income to average assets | 0.1055% | 5,057 |
| Noninterest expense to average assets | 1.7286% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6132% | 4,197 |
| Return on assets (ROA) | 0.6132% | 4,238 |
| Pretax return on assets | 0.8280% | 3,973 |
| Return on Equity (ROE) | 4.5953% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.5953% | 3,085 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6135% | 2,696 |
| Assets per employee ($millions) | 13.6268% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2765% | 5,254 |
| Loan loss allowance to noncurrent loans | 36.9284% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,339 |
| Noncurrent loans to loans | 0.7488% | 2,159 |
| Net loans and leases to total assets | 77.0252% | 1,310 |
| Net loans and leases to deposits | 92.6258% | 1,326 |
| Net loans and leases to core deposits | 115.1823% | 676 |
| Total domestic deposits to total assets | 83.1574% | 3,329 |
| Equity capital to assets | 13.2236% | 1,335 |
| Core capital (leverage) ratio | 13.4721% | 1,095 |
| Tier 1 risk-based capital ratio | 24.8165% | 768 |
| Total risk-based capital ratio | 25.2173% | 826 |
| Memoranda: | ||
| Average total assets | $644,457,000 | 1,160 |
| Average earning assets | $627,697,000 | 1,102 |
| Average equity | $86,000,500 | 1,003 |
| Average total loans | $504,279,500 | 1,070 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 4,958 |
| Cost of funding earning assets | 0.7937% | 1,550 |
| Net interest margin | 2.6613% | 5,120 |
| Noninterest income to average assets | 0.1095% | 5,123 |
| Noninterest expense to average assets | 1.5265% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8970% | 3,447 |
| Return on assets (ROA) | 0.8970% | 3,438 |
| Pretax return on assets | 1.1828% | 2,950 |
| Return on Equity (ROE) | 6.7946% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.7946% | 1,760 |
| Net charge-offs to loans | -0.0006% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3435% | 4,365 |
| Assets per employee ($millions) | 13.5070% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2775% | 5,293 |
| Loan loss allowance to noncurrent loans | 29.7234% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 1,878 |
| Noncurrent loans to loans | 0.9337% | 1,722 |
| Net loans and leases to total assets | 79.0693% | 1,086 |
| Net loans and leases to deposits | 95.4178% | 1,127 |
| Net loans and leases to core deposits | 116.3739% | 675 |
| Total domestic deposits to total assets | 82.8664% | 3,374 |
| Equity capital to assets | 13.4693% | 1,155 |
| Core capital (leverage) ratio | 13.5764% | 1,049 |
| Tier 1 risk-based capital ratio | 24.7078% | 764 |
| Total risk-based capital ratio | 25.1115% | 819 |
| Memoranda: | ||
| Average total assets | $626,651,800 | 1,160 |
| Average earning assets | $612,179,200 | 1,097 |
| Average equity | $82,727,000 | 999 |
| Average total loans | $484,464,800 | 1,078 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 5,018 |
| Cost of funding earning assets | 0.7268% | 1,707 |
| Net interest margin | 2.6885% | 5,175 |
| Noninterest income to average assets | 0.1097% | 5,174 |
| Noninterest expense to average assets | 1.5457% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9136% | 3,463 |
| Return on assets (ROA) | 0.9136% | 3,470 |
| Pretax return on assets | 1.1928% | 3,012 |
| Return on Equity (ROE) | 6.9565% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.9565% | 2,145 |
| Net charge-offs to loans | -0.0006% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4424% | 4,323 |
| Assets per employee ($millions) | 13.3598% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2850% | 5,361 |
| Loan loss allowance to noncurrent loans | 37.5471% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,407 |
| Noncurrent loans to loans | 0.7592% | 2,189 |
| Net loans and leases to total assets | 77.7728% | 1,377 |
| Net loans and leases to deposits | 92.9634% | 1,508 |
| Net loans and leases to core deposits | 114.1837% | 806 |
| Total domestic deposits to total assets | 83.6596% | 3,058 |
| Equity capital to assets | 13.4042% | 1,170 |
| Core capital (leverage) ratio | 13.5017% | 1,106 |
| Tier 1 risk-based capital ratio | 24.5704% | 794 |
| Total risk-based capital ratio | 24.9779% | 851 |
| Memoranda: | ||
| Average total assets | $624,608,000 | 1,164 |
| Average earning assets | $610,740,500 | 1,102 |
| Average equity | $82,032,000 | 1,005 |
| Average total loans | $479,743,500 | 1,087 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 5,037 |
| Cost of funding earning assets | 0.6892% | 1,686 |
| Net interest margin | 2.7136% | 5,209 |
| Noninterest income to average assets | 0.1113% | 5,227 |
| Noninterest expense to average assets | 1.5881% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9212% | 3,362 |
| Return on assets (ROA) | 0.9212% | 3,363 |
| Pretax return on assets | 1.1756% | 3,027 |
| Return on Equity (ROE) | 7.0634% | 3,882 |
| Retained earnings to average equity (ytd only) | 7.0634% | 2,047 |
| Net charge-offs to loans | -0.0004% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4629% | 4,307 |
| Assets per employee ($millions) | 13.7102% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2890% | 5,420 |
| Loan loss allowance to noncurrent loans | 47.6434% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,884 |
| Noncurrent loans to loans | 0.6065% | 2,595 |
| Net loans and leases to total assets | 76.3286% | 1,583 |
| Net loans and leases to deposits | 89.1986% | 1,950 |
| Net loans and leases to core deposits | 110.5713% | 965 |
| Total domestic deposits to total assets | 85.5715% | 2,466 |
| Equity capital to assets | 13.1223% | 1,249 |
| Core capital (leverage) ratio | 13.2207% | 1,150 |
| Tier 1 risk-based capital ratio | 24.6313% | 773 |
| Total risk-based capital ratio | 25.0465% | 825 |
| Memoranda: | ||
| Average total assets | $623,507,330 | 1,169 |
| Average earning assets | $609,442,000 | 1,103 |
| Average equity | $81,320,670 | 1,011 |
| Average total loans | $476,411,670 | 1,094 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 5,031 |
| Cost of funding earning assets | 0.6720% | 1,588 |
| Net interest margin | 2.7219% | 5,241 |
| Noninterest income to average assets | 0.1149% | 5,275 |
| Noninterest expense to average assets | 1.5460% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9240% | 3,188 |
| Return on assets (ROA) | 0.9240% | 3,205 |
| Pretax return on assets | 1.2266% | 2,656 |
| Return on Equity (ROE) | 7.1065% | 3,746 |
| Retained earnings to average equity (ytd only) | 7.1065% | 2,230 |
| Net charge-offs to loans | 0.0017% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 950.5000% | 63 |
| Efficiency ratio | 55.7598% | 4,614 |
| Assets per employee ($millions) | 13.5864% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2931% | 5,486 |
| Loan loss allowance to noncurrent loans | 39.3554% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 2,627 |
| Noncurrent loans to loans | 0.7447% | 2,345 |
| Net loans and leases to total assets | 75.7694% | 1,574 |
| Net loans and leases to deposits | 87.2495% | 2,022 |
| Net loans and leases to core deposits | 108.4181% | 1,094 |
| Total domestic deposits to total assets | 86.8422% | 2,185 |
| Equity capital to assets | 13.0114% | 1,237 |
| Core capital (leverage) ratio | 13.0786% | 1,151 |
| Tier 1 risk-based capital ratio | 24.7166% | 769 |
| Total risk-based capital ratio | 25.1397% | 833 |
| Memoranda: | ||
| Average total assets | $619,926,500 | 1,185 |
| Average earning assets | $605,315,500 | 1,121 |
| Average equity | $80,602,000 | 1,026 |
| Average total loans | $473,229,500 | 1,112 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 5,205 |
| Cost of funding earning assets | 0.6083% | 1,544 |
| Net interest margin | 2.5792% | 5,363 |
| Noninterest income to average assets | 0.1205% | 5,341 |
| Noninterest expense to average assets | 1.3955% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7894% | 3,206 |
| Return on assets (ROA) | 0.7894% | 3,250 |
| Pretax return on assets | 1.2491% | 2,560 |
| Return on Equity (ROE) | 6.3432% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.3432% | 1,359 |
| Net charge-offs to loans | 0.0024% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 705.8182% | 116 |
| Efficiency ratio | 52.7680% | 5,057 |
| Assets per employee ($millions) | 13.6640% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2956% | 5,552 |
| Loan loss allowance to noncurrent loans | 29.6281% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 2,043 |
| Noncurrent loans to loans | 0.9978% | 1,775 |
| Net loans and leases to total assets | 76.4596% | 1,516 |
| Net loans and leases to deposits | 88.0287% | 2,014 |
| Net loans and leases to core deposits | 111.0871% | 943 |
| Total domestic deposits to total assets | 86.8576% | 2,063 |
| Equity capital to assets | 12.9921% | 1,269 |
| Core capital (leverage) ratio | 12.7980% | 1,220 |
| Tier 1 risk-based capital ratio | 24.4793% | 772 |
| Total risk-based capital ratio | 24.9065% | 832 |
| Memoranda: | ||
| Average total assets | $621,588,800 | 1,165 |
| Average earning assets | $608,281,600 | 1,105 |
| Average equity | $77,358,400 | 1,043 |
| Average total loans | $452,932,200 | 1,123 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 5,303 |
| Cost of funding earning assets | 0.5876% | 1,620 |
| Net interest margin | 2.5457% | 5,444 |
| Noninterest income to average assets | 0.1144% | 5,423 |
| Noninterest expense to average assets | 1.3815% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7675% | 3,658 |
| Return on assets (ROA) | 0.7675% | 3,712 |
| Pretax return on assets | 1.2260% | 2,799 |
| Return on Equity (ROE) | 6.2350% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.2350% | 2,094 |
| Net charge-offs to loans | 0.0030% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 573.2288% | 181 |
| Efficiency ratio | 52.9822% | 5,012 |
| Assets per employee ($millions) | 13.9275% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3018% | 5,620 |
| Loan loss allowance to noncurrent loans | 32.5858% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 2,450 |
| Noncurrent loans to loans | 0.9263% | 2,072 |
| Net loans and leases to total assets | 73.5190% | 1,994 |
| Net loans and leases to deposits | 84.2186% | 2,535 |
| Net loans and leases to core deposits | 106.0165% | 1,268 |
| Total domestic deposits to total assets | 87.2953% | 1,732 |
| Equity capital to assets | 12.5358% | 1,642 |
| Core capital (leverage) ratio | 12.5269% | 1,407 |
| Tier 1 risk-based capital ratio | 24.1794% | 831 |
| Total risk-based capital ratio | 24.6088% | 897 |
| Memoranda: | ||
| Average total assets | $623,266,250 | 1,165 |
| Average earning assets | $610,378,750 | 1,108 |
| Average equity | $76,726,500 | 1,057 |
| Average total loans | $448,283,250 | 1,139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 5,355 |
| Cost of funding earning assets | 0.5699% | 1,651 |
| Net interest margin | 2.5218% | 5,494 |
| Noninterest income to average assets | 0.1125% | 5,475 |
| Noninterest expense to average assets | 1.4100% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7256% | 3,734 |
| Return on assets (ROA) | 0.7256% | 3,801 |
| Pretax return on assets | 1.1718% | 2,888 |
| Return on Equity (ROE) | 5.9307% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,161 |
| Net charge-offs to loans | 0.0005% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3,645.0000% | 8 |
| Efficiency ratio | 54.6134% | 4,963 |
| Assets per employee ($millions) | 14.0987% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3123% | 5,661 |
| Loan loss allowance to noncurrent loans | 30.5882% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,398 |
| Noncurrent loans to loans | 1.0211% | 1,928 |
| Net loans and leases to total assets | 70.6322% | 2,426 |
| Net loans and leases to deposits | 80.5680% | 2,853 |
| Net loans and leases to core deposits | 100.4044% | 1,620 |
| Total domestic deposits to total assets | 87.6678% | 1,634 |
| Equity capital to assets | 12.1738% | 1,810 |
| Core capital (leverage) ratio | 12.3138% | 1,468 |
| Tier 1 risk-based capital ratio | 24.8243% | 767 |
| Total risk-based capital ratio | 25.2756% | 827 |
| Memoranda: | ||
| Average total assets | $622,108,670 | 1,169 |
| Average earning assets | $609,177,000 | 1,112 |
| Average equity | $76,113,000 | 1,069 |
| Average total loans | $443,655,330 | 1,155 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0816% | 5,384 |
| Cost of funding earning assets | 0.5569% | 1,678 |
| Net interest margin | 2.5247% | 5,529 |
| Noninterest income to average assets | 0.1175% | 5,521 |
| Noninterest expense to average assets | 1.3988% | 5,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7442% | 3,500 |
| Return on assets (ROA) | 0.7442% | 3,555 |
| Pretax return on assets | 1.1917% | 2,626 |
| Return on Equity (ROE) | 6.0674% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.0674% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9985% | 5,125 |
| Assets per employee ($millions) | 13.7102% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3159% | 5,734 |
| Loan loss allowance to noncurrent loans | 33.0433% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 2,605 |
| Noncurrent loans to loans | 0.9559% | 2,130 |
| Net loans and leases to total assets | 70.3082% | 2,322 |
| Net loans and leases to deposits | 80.1304% | 2,736 |
| Net loans and leases to core deposits | 99.9515% | 1,505 |
| Total domestic deposits to total assets | 87.7422% | 1,870 |
| Equity capital to assets | 12.0704% | 1,784 |
| Core capital (leverage) ratio | 12.4340% | 1,370 |
| Tier 1 risk-based capital ratio | 25.0930% | 763 |
| Total risk-based capital ratio | 25.5561% | 818 |
| Memoranda: | ||
| Average total assets | $615,941,500 | 1,179 |
| Average earning assets | $603,331,000 | 1,125 |
| Average equity | $75,551,500 | 1,070 |
| Average total loans | $440,720,500 | 1,158 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 5,534 |
| Cost of funding earning assets | 0.5874% | 1,439 |
| Net interest margin | 2.3674% | 5,673 |
| Noninterest income to average assets | 0.1310% | 5,531 |
| Noninterest expense to average assets | 1.3790% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6635% | 3,935 |
| Return on assets (ROA) | 0.6635% | 4,051 |
| Pretax return on assets | 1.0675% | 3,231 |
| Return on Equity (ROE) | 5.4221% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,063 |
| Net charge-offs to loans | -0.0002% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3674% | 5,030 |
| Assets per employee ($millions) | 13.9817% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3218% | 5,787 |
| Loan loss allowance to noncurrent loans | 32.8655% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,598 |
| Noncurrent loans to loans | 0.9791% | 2,135 |
| Net loans and leases to total assets | 72.3900% | 2,113 |
| Net loans and leases to deposits | 82.8439% | 2,568 |
| Net loans and leases to core deposits | 103.5242% | 1,320 |
| Total domestic deposits to total assets | 87.3812% | 1,941 |
| Equity capital to assets | 12.4713% | 1,542 |
| Core capital (leverage) ratio | 12.3778% | 1,391 |
| Tier 1 risk-based capital ratio | 24.7576% | 791 |
| Total risk-based capital ratio | 25.2215% | 850 |
| Memoranda: | ||
| Average total assets | $596,373,800 | 1,172 |
| Average earning assets | $583,293,200 | 1,115 |
| Average equity | $72,978,800 | 1,085 |
| Average total loans | $402,240,400 | 1,199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9260% | 5,635 |
| Cost of funding earning assets | 0.5949% | 1,373 |
| Net interest margin | 2.3311% | 5,764 |
| Noninterest income to average assets | 0.1281% | 5,610 |
| Noninterest expense to average assets | 1.3591% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6463% | 4,100 |
| Return on assets (ROA) | 0.6463% | 4,222 |
| Pretax return on assets | 1.0471% | 3,440 |
| Return on Equity (ROE) | 5.3072% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3072% | 2,619 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4845% | 5,008 |
| Assets per employee ($millions) | 14.3698% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3422% | 5,835 |
| Loan loss allowance to noncurrent loans | 29.5020% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 2,575 |
| Noncurrent loans to loans | 1.1598% | 1,932 |
| Net loans and leases to total assets | 67.7539% | 2,830 |
| Net loans and leases to deposits | 77.3318% | 3,260 |
| Net loans and leases to core deposits | 95.1151% | 2,089 |
| Total domestic deposits to total assets | 87.6146% | 1,606 |
| Equity capital to assets | 12.2459% | 1,943 |
| Core capital (leverage) ratio | 12.2790% | 1,488 |
| Tier 1 risk-based capital ratio | 25.8919% | 725 |
| Total risk-based capital ratio | 26.3838% | 784 |
| Memoranda: | ||
| Average total assets | $595,163,750 | 1,175 |
| Average earning assets | $581,617,000 | 1,122 |
| Average equity | $72,478,750 | 1,097 |
| Average total loans | $393,644,500 | 1,214 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 5,707 |
| Cost of funding earning assets | 0.5961% | 1,345 |
| Net interest margin | 2.3328% | 5,845 |
| Noninterest income to average assets | 0.1307% | 5,666 |
| Noninterest expense to average assets | 1.3377% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6580% | 4,007 |
| Return on assets (ROA) | 0.6580% | 4,151 |
| Pretax return on assets | 1.0736% | 3,313 |
| Return on Equity (ROE) | 5.4137% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.4137% | 2,474 |
| Net charge-offs to loans | 0.0005% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3,180.0000% | 13 |
| Efficiency ratio | 55.4747% | 5,198 |
| Assets per employee ($millions) | 14.5816% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3580% | 5,910 |
| Loan loss allowance to noncurrent loans | 30.2371% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 2,657 |
| Noncurrent loans to loans | 1.1841% | 1,939 |
| Net loans and leases to total assets | 65.3129% | 3,181 |
| Net loans and leases to deposits | 74.5271% | 3,527 |
| Net loans and leases to core deposits | 92.2273% | 2,328 |
| Total domestic deposits to total assets | 87.6364% | 1,609 |
| Equity capital to assets | 12.2057% | 1,966 |
| Core capital (leverage) ratio | 12.1628% | 1,528 |
| Tier 1 risk-based capital ratio | 26.7492% | 668 |
| Total risk-based capital ratio | 27.2635% | 704 |
| Memoranda: | ||
| Average total assets | $592,374,670 | 1,189 |
| Average earning assets | $579,121,000 | 1,130 |
| Average equity | $72,002,330 | 1,105 |
| Average total loans | $388,086,000 | 1,232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9309% | 5,753 |
| Cost of funding earning assets | 0.5991% | 1,343 |
| Net interest margin | 2.3318% | 5,911 |
| Noninterest income to average assets | 0.1343% | 5,673 |
| Noninterest expense to average assets | 1.3059% | 6,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6730% | 3,860 |
| Return on assets (ROA) | 0.6730% | 3,981 |
| Pretax return on assets | 1.1098% | 3,059 |
| Return on Equity (ROE) | 5.5483% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.5483% | 2,610 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0578% | 5,380 |
| Assets per employee ($millions) | 14.9221% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3638% | 5,979 |
| Loan loss allowance to noncurrent loans | 33.0353% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 2,931 |
| Noncurrent loans to loans | 1.1012% | 2,199 |
| Net loans and leases to total assets | 64.4236% | 3,180 |
| Net loans and leases to deposits | 73.4081% | 3,511 |
| Net loans and leases to core deposits | 91.0011% | 2,283 |
| Total domestic deposits to total assets | 87.7610% | 1,773 |
| Equity capital to assets | 12.0650% | 1,983 |
| Core capital (leverage) ratio | 12.1863% | 1,503 |
| Tier 1 risk-based capital ratio | 27.3091% | 656 |
| Total risk-based capital ratio | 27.8415% | 685 |
| Memoranda: | ||
| Average total assets | $589,639,500 | 1,195 |
| Average earning assets | $576,887,000 | 1,129 |
| Average equity | $71,518,000 | 1,105 |
| Average total loans | $386,192,500 | 1,230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8584% | 5,846 |
| Cost of funding earning assets | 0.6232% | 1,213 |
| Net interest margin | 2.2352% | 5,978 |
| Noninterest income to average assets | 0.1469% | 5,677 |
| Noninterest expense to average assets | 1.3554% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5933% | 4,305 |
| Return on assets (ROA) | 0.5933% | 4,406 |
| Pretax return on assets | 0.9758% | 3,556 |
| Return on Equity (ROE) | 4.9717% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.9717% | 2,439 |
| Net charge-offs to loans | 0.0048% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 314.8333% | 226 |
| Efficiency ratio | 58.1431% | 5,125 |
| Assets per employee ($millions) | 14.5599% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3633% | 6,019 |
| Loan loss allowance to noncurrent loans | 26.7072% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 2,406 |
| Noncurrent loans to loans | 1.3603% | 1,723 |
| Net loans and leases to total assets | 66.1137% | 2,962 |
| Net loans and leases to deposits | 75.4208% | 3,327 |
| Net loans and leases to core deposits | 94.9495% | 1,948 |
| Total domestic deposits to total assets | 87.6597% | 1,812 |
| Equity capital to assets | 12.1948% | 1,817 |
| Core capital (leverage) ratio | 12.0231% | 1,604 |
| Tier 1 risk-based capital ratio | 26.9063% | 674 |
| Total risk-based capital ratio | 27.4382% | 706 |
| Memoranda: | ||
| Average total assets | $580,772,000 | 1,177 |
| Average earning assets | $567,551,600 | 1,096 |
| Average equity | $69,312,800 | 1,100 |
| Average total loans | $376,234,800 | 1,221 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 5,930 |
| Cost of funding earning assets | 0.6234% | 1,254 |
| Net interest margin | 2.2244% | 6,069 |
| Noninterest income to average assets | 0.1463% | 5,749 |
| Noninterest expense to average assets | 1.3449% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5932% | 4,416 |
| Return on assets (ROA) | 0.5932% | 4,518 |
| Pretax return on assets | 0.9755% | 3,711 |
| Return on Equity (ROE) | 4.9975% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.9975% | 2,920 |
| Net charge-offs to loans | 0.0054% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 283.0595% | 251 |
| Efficiency ratio | 57.9604% | 5,127 |
| Assets per employee ($millions) | 14.3509% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3726% | 6,103 |
| Loan loss allowance to noncurrent loans | 23.5009% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 2,323 |
| Noncurrent loans to loans | 1.5856% | 1,568 |
| Net loans and leases to total assets | 63.9350% | 3,317 |
| Net loans and leases to deposits | 72.7357% | 3,679 |
| Net loans and leases to core deposits | 91.8504% | 2,278 |
| Total domestic deposits to total assets | 87.9005% | 1,617 |
| Equity capital to assets | 11.9236% | 2,166 |
| Core capital (leverage) ratio | 11.9149% | 1,728 |
| Tier 1 risk-based capital ratio | 27.1854% | 674 |
| Total risk-based capital ratio | 27.7306% | 714 |
| Memoranda: | ||
| Average total assets | $580,366,500 | 1,178 |
| Average earning assets | $567,220,250 | 1,110 |
| Average equity | $68,885,500 | 1,110 |
| Average total loans | $373,682,000 | 1,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8472% | 5,986 |
| Cost of funding earning assets | 0.6248% | 1,260 |
| Net interest margin | 2.2224% | 6,136 |
| Noninterest income to average assets | 0.1454% | 5,834 |
| Noninterest expense to average assets | 1.3218% | 6,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6041% | 4,326 |
| Return on assets (ROA) | 0.6041% | 4,431 |
| Pretax return on assets | 0.9936% | 3,611 |
| Return on Equity (ROE) | 5.0977% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.0977% | 2,795 |
| Net charge-offs to loans | 0.0091% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 168.8235% | 390 |
| Efficiency ratio | 57.0873% | 5,327 |
| Assets per employee ($millions) | 13.9520% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3769% | 6,173 |
| Loan loss allowance to noncurrent loans | 29.3381% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 2,934 |
| Noncurrent loans to loans | 1.2845% | 2,105 |
| Net loans and leases to total assets | 63.3830% | 3,357 |
| Net loans and leases to deposits | 72.0073% | 3,722 |
| Net loans and leases to core deposits | 91.2350% | 2,222 |
| Total domestic deposits to total assets | 88.0230% | 1,644 |
| Equity capital to assets | 11.8299% | 2,146 |
| Core capital (leverage) ratio | 11.8553% | 1,744 |
| Tier 1 risk-based capital ratio | 26.9195% | 712 |
| Total risk-based capital ratio | 27.4655% | 745 |
| Memoranda: | ||
| Average total assets | $577,692,670 | 1,188 |
| Average earning assets | $564,064,670 | 1,118 |
| Average equity | $68,461,670 | 1,121 |
| Average total loans | $372,378,330 | 1,240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8538% | 6,026 |
| Cost of funding earning assets | 0.6223% | 1,288 |
| Net interest margin | 2.2315% | 6,190 |
| Noninterest income to average assets | 0.1472% | 5,857 |
| Noninterest expense to average assets | 1.2805% | 6,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6360% | 4,105 |
| Return on assets (ROA) | 0.6360% | 4,230 |
| Pretax return on assets | 1.0475% | 3,308 |
| Return on Equity (ROE) | 5.3622% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.3622% | 2,858 |
| Net charge-offs to loans | 0.0183% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 88.3529% | 544 |
| Efficiency ratio | 55.0030% | 5,595 |
| Assets per employee ($millions) | 13.7339% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3773% | 6,253 |
| Loan loss allowance to noncurrent loans | 22.1819% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 2,381 |
| Noncurrent loans to loans | 1.7008% | 1,617 |
| Net loans and leases to total assets | 64.3207% | 3,049 |
| Net loans and leases to deposits | 73.1142% | 3,417 |
| Net loans and leases to core deposits | 93.2358% | 1,832 |
| Total domestic deposits to total assets | 87.9730% | 1,839 |
| Equity capital to assets | 11.8733% | 2,128 |
| Core capital (leverage) ratio | 11.9558% | 1,666 |
| Tier 1 risk-based capital ratio | 26.8258% | 726 |
| Total risk-based capital ratio | 27.3766% | 759 |
| Memoranda: | ||
| Average total assets | $573,548,000 | 1,200 |
| Average earning assets | $560,507,500 | 1,127 |
| Average equity | $68,032,000 | 1,133 |
| Average total loans | $372,158,500 | 1,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8673% | 6,157 |
| Cost of funding earning assets | 0.6380% | 1,493 |
| Net interest margin | 2.2292% | 6,299 |
| Noninterest income to average assets | 0.1322% | 6,031 |
| Noninterest expense to average assets | 1.3906% | 6,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5608% | 4,554 |
| Return on assets (ROA) | 0.5608% | 4,646 |
| Pretax return on assets | 0.9186% | 3,836 |
| Return on Equity (ROE) | 4.8007% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.8007% | 2,759 |
| Net charge-offs to loans | 0.0055% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 259.5500% | 207 |
| Efficiency ratio | 60.2192% | 5,190 |
| Assets per employee ($millions) | 13.5779% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3824% | 6,331 |
| Loan loss allowance to noncurrent loans | 19.9215% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 2,251 |
| Noncurrent loans to loans | 1.9194% | 1,466 |
| Net loans and leases to total assets | 64.9642% | 3,053 |
| Net loans and leases to deposits | 73.7882% | 3,459 |
| Net loans and leases to core deposits | 93.2559% | 1,970 |
| Total domestic deposits to total assets | 88.0415% | 1,748 |
| Equity capital to assets | 11.8498% | 2,131 |
| Core capital (leverage) ratio | 11.8675% | 1,722 |
| Tier 1 risk-based capital ratio | 26.4103% | 728 |
| Total risk-based capital ratio | 26.9660% | 771 |
| Memoranda: | ||
| Average total assets | $565,088,600 | 1,171 |
| Average earning assets | $551,851,600 | 1,095 |
| Average equity | $66,011,200 | 1,113 |
| Average total loans | $365,965,400 | 1,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8659% | 6,234 |
| Cost of funding earning assets | 0.6376% | 1,540 |
| Net interest margin | 2.2283% | 6,374 |
| Noninterest income to average assets | 0.1341% | 6,104 |
| Noninterest expense to average assets | 1.3778% | 6,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5685% | 4,599 |
| Return on assets (ROA) | 0.5685% | 4,671 |
| Pretax return on assets | 0.9315% | 3,851 |
| Return on Equity (ROE) | 4.8846% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.8846% | 3,168 |
| Net charge-offs to loans | 0.0084% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 171.2380% | 364 |
| Efficiency ratio | 59.6621% | 5,231 |
| Assets per employee ($millions) | 13.4335% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 6,419 |
| Loan loss allowance to noncurrent loans | 25.3348% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 2,867 |
| Noncurrent loans to loans | 1.5159% | 2,139 |
| Net loans and leases to total assets | 65.2343% | 2,992 |
| Net loans and leases to deposits | 74.1104% | 3,420 |
| Net loans and leases to core deposits | 93.4129% | 1,923 |
| Total domestic deposits to total assets | 88.0232% | 1,756 |
| Equity capital to assets | 11.8414% | 2,198 |
| Core capital (leverage) ratio | 11.7969% | 1,835 |
| Tier 1 risk-based capital ratio | 26.5413% | 747 |
| Total risk-based capital ratio | 27.1050% | 777 |
| Memoranda: | ||
| Average total assets | $563,793,000 | 1,185 |
| Average earning assets | $550,370,250 | 1,107 |
| Average equity | $65,620,000 | 1,127 |
| Average total loans | $364,483,250 | 1,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8677% | 6,282 |
| Cost of funding earning assets | 0.6340% | 1,626 |
| Net interest margin | 2.2337% | 6,434 |
| Noninterest income to average assets | 0.1370% | 6,136 |
| Noninterest expense to average assets | 1.3732% | 6,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5762% | 4,478 |
| Return on assets (ROA) | 0.5762% | 4,582 |
| Pretax return on assets | 0.9438% | 3,707 |
| Return on Equity (ROE) | 4.9798% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.9798% | 2,969 |
| Net charge-offs to loans | 0.0017% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 886.6667% | 74 |
| Efficiency ratio | 59.2649% | 5,396 |
| Assets per employee ($millions) | 14.1111% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 6,490 |
| Loan loss allowance to noncurrent loans | 20.3220% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 2,599 |
| Noncurrent loans to loans | 1.9521% | 1,733 |
| Net loans and leases to total assets | 64.0087% | 3,073 |
| Net loans and leases to deposits | 72.5831% | 3,490 |
| Net loans and leases to core deposits | 90.8333% | 2,046 |
| Total domestic deposits to total assets | 88.1868% | 1,799 |
| Equity capital to assets | 11.6982% | 2,241 |
| Core capital (leverage) ratio | 11.6632% | 1,877 |
| Tier 1 risk-based capital ratio | 26.8747% | 708 |
| Total risk-based capital ratio | 27.4604% | 738 |
| Memoranda: | ||
| Average total assets | $563,654,330 | 1,180 |
| Average earning assets | $550,123,000 | 1,110 |
| Average equity | $65,223,330 | 1,122 |
| Average total loans | $362,818,670 | 1,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8644% | 6,349 |
| Cost of funding earning assets | 0.6312% | 1,721 |
| Net interest margin | 2.2332% | 6,511 |
| Noninterest income to average assets | 0.1427% | 6,119 |
| Noninterest expense to average assets | 1.3607% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5873% | 4,251 |
| Return on assets (ROA) | 0.5873% | 4,327 |
| Pretax return on assets | 0.9630% | 3,470 |
| Return on Equity (ROE) | 5.1034% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.1034% | 3,058 |
| Net charge-offs to loans | 0.0033% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 94 |
| Efficiency ratio | 58.5575% | 5,593 |
| Assets per employee ($millions) | 13.8400% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3962% | 6,564 |
| Loan loss allowance to noncurrent loans | 17.6781% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 2,474 |
| Noncurrent loans to loans | 2.2410% | 1,612 |
| Net loans and leases to total assets | 63.7596% | 2,943 |
| Net loans and leases to deposits | 72.1492% | 3,321 |
| Net loans and leases to core deposits | 89.9662% | 1,905 |
| Total domestic deposits to total assets | 88.3718% | 2,008 |
| Equity capital to assets | 11.4962% | 2,248 |
| Core capital (leverage) ratio | 11.5959% | 1,899 |
| Tier 1 risk-based capital ratio | 26.6279% | 736 |
| Total risk-based capital ratio | 27.2152% | 778 |
| Memoranda: | ||
| Average total assets | $563,259,000 | 1,182 |
| Average earning assets | $550,059,500 | 1,118 |
| Average equity | $64,820,000 | 1,126 |
| Average total loans | $362,861,500 | 1,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 6,386 |
| Cost of funding earning assets | 0.6793% | 1,967 |
| Net interest margin | 2.2756% | 6,537 |
| Noninterest income to average assets | 0.1940% | 5,928 |
| Noninterest expense to average assets | 1.3450% | 6,662 |
| Loan and lease loss provision to assets | 0.0018% | 5,074 |
| Net operating income to assets | 0.6483% | 4,039 |
| Return on assets (ROA) | 0.6483% | 4,148 |
| Pretax return on assets | 1.0638% | 3,096 |
| Return on Equity (ROE) | 5.7149% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.7149% | 2,152 |
| Net charge-offs to loans | 0.0006% | 5,469 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 2,944.0000% | 10 |
| Efficiency ratio | 55.7958% | 5,972 |
| Assets per employee ($millions) | 13.6360% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 6,642 |
| Loan loss allowance to noncurrent loans | 16.7499% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 1.5399% | 2,420 |
| Noncurrent loans to loans | 2.3750% | 1,615 |
| Net loans and leases to total assets | 64.5786% | 2,941 |
| Net loans and leases to deposits | 73.0354% | 3,396 |
| Net loans and leases to core deposits | 91.0481% | 1,899 |
| Total domestic deposits to total assets | 88.4209% | 1,939 |
| Equity capital to assets | 11.5201% | 2,150 |
| Core capital (leverage) ratio | 11.5409% | 1,931 |
| Tier 1 risk-based capital ratio | 26.4000% | 740 |
| Total risk-based capital ratio | 26.9911% | 778 |
| Memoranda: | ||
| Average total assets | $552,555,200 | 1,201 |
| Average earning assets | $538,236,600 | 1,124 |
| Average equity | $62,678,800 | 1,145 |
| Average total loans | $357,767,800 | 1,196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 6,451 |
| Cost of funding earning assets | 0.6852% | 2,058 |
| Net interest margin | 2.2805% | 6,600 |
| Noninterest income to average assets | 0.2188% | 5,865 |
| Noninterest expense to average assets | 1.3386% | 6,722 |
| Loan and lease loss provision to assets | 0.0024% | 4,911 |
| Net operating income to assets | 0.6689% | 4,018 |
| Return on assets (ROA) | 0.6689% | 4,160 |
| Pretax return on assets | 1.0985% | 3,118 |
| Return on Equity (ROE) | 5.9203% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.9203% | 2,464 |
| Net charge-offs to loans | 0.0004% | 5,210 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 4,560.2857% | 6 |
| Efficiency ratio | 54.8710% | 6,027 |
| Assets per employee ($millions) | 13.5485% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4000% | 6,723 |
| Loan loss allowance to noncurrent loans | 17.3417% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 2,689 |
| Noncurrent loans to loans | 2.3064% | 1,899 |
| Net loans and leases to total assets | 64.6873% | 2,880 |
| Net loans and leases to deposits | 73.1114% | 3,377 |
| Net loans and leases to core deposits | 91.8984% | 1,774 |
| Total domestic deposits to total assets | 88.4777% | 1,849 |
| Equity capital to assets | 11.4472% | 2,335 |
| Core capital (leverage) ratio | 11.4569% | 2,077 |
| Tier 1 risk-based capital ratio | 26.3479% | 758 |
| Total risk-based capital ratio | 26.9458% | 802 |
| Memoranda: | ||
| Average total assets | $550,924,750 | 1,214 |
| Average earning assets | $536,473,500 | 1,145 |
| Average equity | $62,247,000 | 1,168 |
| Average total loans | $356,588,250 | 1,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9975% | 6,453 |
| Cost of funding earning assets | 0.6894% | 2,148 |
| Net interest margin | 2.3080% | 6,615 |
| Noninterest income to average assets | 0.2370% | 5,748 |
| Noninterest expense to average assets | 1.3433% | 6,764 |
| Loan and lease loss provision to assets | 0.0036% | 4,741 |
| Net operating income to assets | 0.6917% | 3,849 |
| Return on assets (ROA) | 0.6917% | 4,016 |
| Pretax return on assets | 1.1361% | 2,941 |
| Return on Equity (ROE) | 6.1489% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.1489% | 2,346 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0976% | 6,141 |
| Assets per employee ($millions) | 13.7646% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4037% | 6,770 |
| Loan loss allowance to noncurrent loans | 16.2430% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6147% | 2,694 |
| Noncurrent loans to loans | 2.4851% | 1,870 |
| Net loans and leases to total assets | 64.7108% | 2,804 |
| Net loans and leases to deposits | 73.0876% | 3,285 |
| Net loans and leases to core deposits | 91.6621% | 1,745 |
| Total domestic deposits to total assets | 88.5387% | 1,895 |
| Equity capital to assets | 11.3923% | 2,386 |
| Core capital (leverage) ratio | 11.4225% | 2,004 |
| Tier 1 risk-based capital ratio | 26.2781% | 750 |
| Total risk-based capital ratio | 26.8831% | 791 |
| Memoranda: | ||
| Average total assets | $549,403,330 | 1,221 |
| Average earning assets | $534,652,000 | 1,144 |
| Average equity | $61,800,000 | 1,177 |
| Average total loans | $355,193,000 | 1,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 6,478 |
| Cost of funding earning assets | 0.6937% | 2,275 |
| Net interest margin | 2.3387% | 6,657 |
| Noninterest income to average assets | 0.2711% | 5,514 |
| Noninterest expense to average assets | 1.3134% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7493% | 3,437 |
| Return on assets (ROA) | 0.7493% | 3,573 |
| Pretax return on assets | 1.2332% | 2,456 |
| Return on Equity (ROE) | 6.7038% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.7038% | 2,314 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5741% | 6,403 |
| Assets per employee ($millions) | 13.3787% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4044% | 6,849 |
| Loan loss allowance to noncurrent loans | 14.6926% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 1.7793% | 2,631 |
| Noncurrent loans to loans | 2.7527% | 1,851 |
| Net loans and leases to total assets | 64.3784% | 2,635 |
| Net loans and leases to deposits | 72.6140% | 3,105 |
| Net loans and leases to core deposits | 91.8187% | 1,522 |
| Total domestic deposits to total assets | 88.6583% | 1,895 |
| Equity capital to assets | 11.2760% | 2,655 |
| Core capital (leverage) ratio | 11.3203% | 2,004 |
| Tier 1 risk-based capital ratio | 26.1153% | 774 |
| Total risk-based capital ratio | 26.7208% | 830 |
| Memoranda: | ||
| Average total assets | $548,814,000 | 1,233 |
| Average earning assets | $533,963,000 | 1,157 |
| Average equity | $61,338,000 | 1,199 |
| Average total loans | $353,924,500 | 1,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2160% | 6,653 |
| Cost of funding earning assets | 0.7686% | 2,933 |
| Net interest margin | 2.4474% | 6,741 |
| Noninterest income to average assets | 0.2215% | 5,853 |
| Noninterest expense to average assets | 1.3474% | 6,935 |
| Loan and lease loss provision to assets | 0.0065% | 5,843 |
| Net operating income to assets | 0.7525% | 3,504 |
| Return on assets (ROA) | 0.7525% | 3,744 |
| Pretax return on assets | 1.2320% | 2,670 |
| Return on Equity (ROE) | 6.9048% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.9048% | 1,611 |
| Net charge-offs to loans | 0.1021% | 4,646 |
| Credit loss provision to net charge-offs | 10.0865% | 5,395 |
| Earnings coverage of net charge-offs (x) | 19.2565% | 1,395 |
| Efficiency ratio | 52.1072% | 6,453 |
| Assets per employee ($millions) | 13.3927% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4059% | 6,893 |
| Loan loss allowance to noncurrent loans | 13.2496% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 2,484 |
| Noncurrent loans to loans | 3.0635% | 1,698 |
| Net loans and leases to total assets | 64.0772% | 2,885 |
| Net loans and leases to deposits | 72.1103% | 3,395 |
| Net loans and leases to core deposits | 91.4697% | 1,680 |
| Total domestic deposits to total assets | 88.8600% | 1,670 |
| Equity capital to assets | 11.0770% | 2,863 |
| Core capital (leverage) ratio | 11.2620% | 2,047 |
| Tier 1 risk-based capital ratio | 25.7017% | 794 |
| Total risk-based capital ratio | 26.3076% | 835 |
| Memoranda: | ||
| Average total assets | $539,550,400 | 1,239 |
| Average earning assets | $521,238,000 | 1,162 |
| Average equity | $58,799,400 | 1,208 |
| Average total loans | $339,852,800 | 1,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 6,748 |
| Cost of funding earning assets | 0.7867% | 3,056 |
| Net interest margin | 2.4845% | 6,835 |
| Noninterest income to average assets | 0.1968% | 6,121 |
| Noninterest expense to average assets | 1.3446% | 7,020 |
| Loan and lease loss provision to assets | 0.0087% | 5,697 |
| Net operating income to assets | 0.7590% | 3,656 |
| Return on assets (ROA) | 0.7590% | 3,905 |
| Pretax return on assets | 1.2406% | 2,820 |
| Return on Equity (ROE) | 6.9943% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.9943% | 2,135 |
| Net charge-offs to loans | 0.1371% | 4,019 |
| Credit loss provision to net charge-offs | 10.1156% | 5,077 |
| Earnings coverage of net charge-offs (x) | 14.5463% | 1,827 |
| Efficiency ratio | 51.8373% | 6,463 |
| Assets per employee ($millions) | 13.5122% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4147% | 6,999 |
| Loan loss allowance to noncurrent loans | 13.2356% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 2,629 |
| Noncurrent loans to loans | 3.1333% | 1,773 |
| Net loans and leases to total assets | 63.7548% | 3,066 |
| Net loans and leases to deposits | 72.0905% | 3,600 |
| Net loans and leases to core deposits | 93.6238% | 1,615 |
| Total domestic deposits to total assets | 88.4373% | 1,765 |
| Equity capital to assets | 11.0682% | 3,189 |
| Core capital (leverage) ratio | 11.1311% | 2,271 |
| Tier 1 risk-based capital ratio | 25.5262% | 865 |
| Total risk-based capital ratio | 26.1390% | 912 |
| Memoranda: | ||
| Average total assets | $537,162,500 | 1,257 |
| Average earning assets | $518,237,750 | 1,184 |
| Average equity | $58,293,250 | 1,220 |
| Average total loans | $336,495,250 | 1,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3270% | 6,796 |
| Cost of funding earning assets | 0.8083% | 3,127 |
| Net interest margin | 2.5187% | 6,876 |
| Noninterest income to average assets | 0.1601% | 6,388 |
| Noninterest expense to average assets | 1.3487% | 7,076 |
| Loan and lease loss provision to assets | 0.0086% | 5,548 |
| Net operating income to assets | 0.7551% | 3,577 |
| Return on assets (ROA) | 0.7551% | 3,855 |
| Pretax return on assets | 1.2312% | 2,800 |
| Return on Equity (ROE) | 7.0054% | 3,777 |
| Retained earnings to average equity (ytd only) | 7.0054% | 2,101 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1044% | 6,495 |
| Assets per employee ($millions) | 12.8085% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 7,004 |
| Loan loss allowance to noncurrent loans | 16.6620% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 2,811 |
| Noncurrent loans to loans | 3.1510% | 1,854 |
| Net loans and leases to total assets | 62.3050% | 3,370 |
| Net loans and leases to deposits | 70.3328% | 3,847 |
| Net loans and leases to core deposits | 92.0952% | 1,772 |
| Total domestic deposits to total assets | 88.5860% | 1,765 |
| Equity capital to assets | 10.9281% | 3,197 |
| Core capital (leverage) ratio | 10.9906% | 2,301 |
| Tier 1 risk-based capital ratio | 25.7801% | 825 |
| Total risk-based capital ratio | 26.5559% | 859 |
| Memoranda: | ||
| Average total assets | $536,054,670 | 1,263 |
| Average earning assets | $516,857,000 | 1,182 |
| Average equity | $57,783,670 | 1,227 |
| Average total loans | $333,320,000 | 1,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 6,833 |
| Cost of funding earning assets | 0.8502% | 3,062 |
| Net interest margin | 2.5320% | 6,930 |
| Noninterest income to average assets | 0.1749% | 6,327 |
| Noninterest expense to average assets | 1.3597% | 7,141 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7737% | 3,511 |
| Return on assets (ROA) | 0.7737% | 3,746 |
| Pretax return on assets | 1.2596% | 2,695 |
| Return on Equity (ROE) | 7.2275% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.2275% | 2,313 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9121% | 6,551 |
| Assets per employee ($millions) | 13.3308% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 7,048 |
| Loan loss allowance to noncurrent loans | 15.6536% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 2.0918% | 2,788 |
| Noncurrent loans to loans | 3.3540% | 1,892 |
| Net loans and leases to total assets | 62.0395% | 3,245 |
| Net loans and leases to deposits | 69.9625% | 3,739 |
| Net loans and leases to core deposits | 92.7606% | 1,575 |
| Total domestic deposits to total assets | 88.6753% | 1,899 |
| Equity capital to assets | 10.8395% | 3,091 |
| Core capital (leverage) ratio | 10.8955% | 2,348 |
| Tier 1 risk-based capital ratio | 25.7555% | 826 |
| Total risk-based capital ratio | 26.5335% | 857 |
| Memoranda: | ||
| Average total assets | $535,104,500 | 1,267 |
| Average earning assets | $516,586,500 | 1,186 |
| Average equity | $57,281,500 | 1,237 |
| Average total loans | $331,509,000 | 1,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 6,921 |
| Cost of funding earning assets | 0.9958% | 3,412 |
| Net interest margin | 2.6178% | 6,994 |
| Noninterest income to average assets | 0.1615% | 6,338 |
| Noninterest expense to average assets | 1.4128% | 7,207 |
| Loan and lease loss provision to assets | 0.0646% | 5,803 |
| Net operating income to assets | 0.7463% | 3,272 |
| Return on assets (ROA) | 0.7463% | 3,443 |
| Pretax return on assets | 1.2110% | 2,418 |
| Return on Equity (ROE) | 6.9620% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.9620% | 1,522 |
| Net charge-offs to loans | 0.0350% | 5,962 |
| Credit loss provision to net charge-offs | 292.0354% | 811 |
| Earnings coverage of net charge-offs (x) | 57.6726% | 496 |
| Efficiency ratio | 52.5519% | 6,657 |
| Assets per employee ($millions) | 12.7851% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5284% | 7,082 |
| Loan loss allowance to noncurrent loans | 16.1757% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0101% | 2,951 |
| Noncurrent loans to loans | 3.2664% | 1,982 |
| Net loans and leases to total assets | 61.2152% | 3,738 |
| Net loans and leases to deposits | 68.7906% | 4,314 |
| Net loans and leases to core deposits | 91.1501% | 1,970 |
| Total domestic deposits to total assets | 88.9878% | 1,541 |
| Equity capital to assets | 10.5709% | 3,450 |
| Core capital (leverage) ratio | 10.8724% | 2,379 |
| Tier 1 risk-based capital ratio | 25.5507% | 817 |
| Total risk-based capital ratio | 26.3367% | 850 |
| Memoranda: | ||
| Average total assets | $510,892,200 | 1,307 |
| Average earning assets | $493,167,400 | 1,227 |
| Average equity | $54,768,600 | 1,239 |
| Average total loans | $323,139,800 | 1,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 6,938 |
| Cost of funding earning assets | 1.0398% | 3,390 |
| Net interest margin | 2.6552% | 7,028 |
| Noninterest income to average assets | 0.1375% | 6,561 |
| Noninterest expense to average assets | 1.4521% | 7,257 |
| Loan and lease loss provision to assets | 0.0872% | 5,353 |
| Net operating income to assets | 0.7172% | 3,520 |
| Return on assets (ROA) | 0.7172% | 3,696 |
| Pretax return on assets | 1.1600% | 2,783 |
| Return on Equity (ROE) | 6.6653% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.6653% | 2,154 |
| Net charge-offs to loans | 0.0469% | 5,519 |
| Credit loss provision to net charge-offs | 292.0354% | 982 |
| Earnings coverage of net charge-offs (x) | 41.7530% | 750 |
| Efficiency ratio | 53.7949% | 6,512 |
| Assets per employee ($millions) | 12.9012% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 7,141 |
| Loan loss allowance to noncurrent loans | 15.6972% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 2.1771% | 2,930 |
| Noncurrent loans to loans | 3.4263% | 2,003 |
| Net loans and leases to total assets | 62.5696% | 3,594 |
| Net loans and leases to deposits | 70.4717% | 4,225 |
| Net loans and leases to core deposits | 92.6676% | 1,918 |
| Total domestic deposits to total assets | 88.7869% | 1,554 |
| Equity capital to assets | 10.7868% | 3,380 |
| Core capital (leverage) ratio | 10.8300% | 2,544 |
| Tier 1 risk-based capital ratio | 25.2409% | 891 |
| Total risk-based capital ratio | 26.0326% | 920 |
| Memoranda: | ||
| Average total assets | $504,371,250 | 1,332 |
| Average earning assets | $486,636,750 | 1,258 |
| Average equity | $54,270,000 | 1,254 |
| Average total loans | $321,310,500 | 1,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 7,008 |
| Cost of funding earning assets | 1.0684% | 3,489 |
| Net interest margin | 2.6413% | 7,086 |
| Noninterest income to average assets | 0.1315% | 6,665 |
| Noninterest expense to average assets | 1.4878% | 7,317 |
| Loan and lease loss provision to assets | 0.1119% | 4,898 |
| Net operating income to assets | 0.6694% | 3,692 |
| Return on assets (ROA) | 0.6694% | 3,813 |
| Pretax return on assets | 1.0778% | 2,943 |
| Return on Equity (ROE) | 6.2262% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.2262% | 2,278 |
| Net charge-offs to loans | 0.0706% | 4,934 |
| Credit loss provision to net charge-offs | 247.7876% | 1,224 |
| Earnings coverage of net charge-offs (x) | 26.3451% | 1,016 |
| Efficiency ratio | 55.5672% | 6,456 |
| Assets per employee ($millions) | 12.7480% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5222% | 7,210 |
| Loan loss allowance to noncurrent loans | 15.7110% | 6,842 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 3,003 |
| Noncurrent loans to loans | 3.3237% | 2,149 |
| Net loans and leases to total assets | 63.3621% | 3,609 |
| Net loans and leases to deposits | 71.2804% | 4,237 |
| Net loans and leases to core deposits | 93.8400% | 1,911 |
| Total domestic deposits to total assets | 88.8914% | 1,605 |
| Equity capital to assets | 10.7127% | 3,271 |
| Core capital (leverage) ratio | 10.8156% | 2,407 |
| Tier 1 risk-based capital ratio | 24.6874% | 929 |
| Total risk-based capital ratio | 25.4539% | 961 |
| Memoranda: | ||
| Average total assets | $500,478,670 | 1,345 |
| Average earning assets | $482,410,330 | 1,271 |
| Average equity | $53,805,000 | 1,252 |
| Average total loans | $320,202,000 | 1,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 7,035 |
| Cost of funding earning assets | 1.0839% | 3,635 |
| Net interest margin | 2.6462% | 7,081 |
| Noninterest income to average assets | 0.1557% | 6,605 |
| Noninterest expense to average assets | 1.4305% | 7,402 |
| Loan and lease loss provision to assets | 0.1210% | 4,499 |
| Net operating income to assets | 0.7149% | 3,453 |
| Return on assets (ROA) | 0.7149% | 3,517 |
| Pretax return on assets | 1.1530% | 2,548 |
| Return on Equity (ROE) | 6.6374% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.6374% | 2,311 |
| Net charge-offs to loans | 0.1409% | 3,660 |
| Credit loss provision to net charge-offs | 133.9286% | 2,068 |
| Earnings coverage of net charge-offs (x) | 14.0982% | 1,388 |
| Efficiency ratio | 52.8938% | 6,788 |
| Assets per employee ($millions) | 12.5818% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4951% | 7,285 |
| Loan loss allowance to noncurrent loans | 14.3118% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 2,946 |
| Noncurrent loans to loans | 3.4591% | 2,160 |
| Net loans and leases to total assets | 62.5819% | 3,738 |
| Net loans and leases to deposits | 70.3703% | 4,291 |
| Net loans and leases to core deposits | 94.4158% | 1,844 |
| Total domestic deposits to total assets | 88.9322% | 1,812 |
| Equity capital to assets | 10.6974% | 2,994 |
| Core capital (leverage) ratio | 10.9127% | 2,251 |
| Tier 1 risk-based capital ratio | 24.7618% | 903 |
| Total risk-based capital ratio | 25.4825% | 939 |
| Memoranda: | ||
| Average total assets | $495,759,000 | 1,359 |
| Average earning assets | $477,514,500 | 1,290 |
| Average equity | $53,394,500 | 1,254 |
| Average total loans | $317,907,500 | 1,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 7,036 |
| Cost of funding earning assets | 1.2208% | 4,418 |
| Net interest margin | 2.8886% | 6,910 |
| Noninterest income to average assets | 0.1568% | 6,603 |
| Noninterest expense to average assets | 1.4538% | 7,463 |
| Loan and lease loss provision to assets | 0.0676% | 6,468 |
| Net operating income to assets | 0.8799% | 2,470 |
| Return on assets (ROA) | 0.8799% | 2,605 |
| Pretax return on assets | 1.4261% | 1,574 |
| Return on Equity (ROE) | 8.1622% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.1622% | 932 |
| Net charge-offs to loans | 0.0087% | 6,749 |
| Credit loss provision to net charge-offs | 1,181.4815% | 197 |
| Earnings coverage of net charge-offs (x) | 261.0370% | 87 |
| Efficiency ratio | 49.3241% | 7,184 |
| Assets per employee ($millions) | 12.2062% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4789% | 7,375 |
| Loan loss allowance to noncurrent loans | 14.5494% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 3,100 |
| Noncurrent loans to loans | 3.2914% | 2,303 |
| Net loans and leases to total assets | 65.0824% | 3,649 |
| Net loans and leases to deposits | 73.2731% | 4,316 |
| Net loans and leases to core deposits | 98.2093% | 1,778 |
| Total domestic deposits to total assets | 88.8216% | 1,758 |
| Equity capital to assets | 10.8454% | 2,821 |
| Core capital (leverage) ratio | 10.8217% | 2,296 |
| Tier 1 risk-based capital ratio | 24.4506% | 891 |
| Total risk-based capital ratio | 25.1566% | 923 |
| Memoranda: | ||
| Average total assets | $471,855,800 | 1,417 |
| Average earning assets | $455,861,200 | 1,343 |
| Average equity | $50,868,400 | 1,308 |
| Average total loans | $311,580,600 | 1,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 7,090 |
| Cost of funding earning assets | 1.2459% | 4,594 |
| Net interest margin | 2.9524% | 6,922 |
| Noninterest income to average assets | 0.1243% | 6,930 |
| Noninterest expense to average assets | 1.4591% | 7,569 |
| Loan and lease loss provision to assets | 0.0909% | 6,129 |
| Net operating income to assets | 0.8848% | 2,674 |
| Return on assets (ROA) | 0.8848% | 2,814 |
| Pretax return on assets | 1.4306% | 1,793 |
| Return on Equity (ROE) | 8.2200% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.2200% | 1,346 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9529% | 7,213 |
| Assets per employee ($millions) | 11.2228% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 7,466 |
| Loan loss allowance to noncurrent loans | 15.8776% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,428 |
| Noncurrent loans to loans | 3.0843% | 2,589 |
| Net loans and leases to total assets | 65.5187% | 3,793 |
| Net loans and leases to deposits | 73.6828% | 4,565 |
| Net loans and leases to core deposits | 99.6599% | 1,880 |
| Total domestic deposits to total assets | 88.9200% | 1,434 |
| Equity capital to assets | 10.7553% | 3,222 |
| Core capital (leverage) ratio | 10.8588% | 2,361 |
| Tier 1 risk-based capital ratio | 24.1776% | 928 |
| Total risk-based capital ratio | 24.9024% | 962 |
| Memoranda: | ||
| Average total assets | $467,758,250 | 1,447 |
| Average earning assets | $452,552,750 | 1,368 |
| Average equity | $50,347,500 | 1,333 |
| Average total loans | $309,653,000 | 1,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 7,128 |
| Cost of funding earning assets | 1.2752% | 4,683 |
| Net interest margin | 2.9654% | 6,909 |
| Noninterest income to average assets | 0.1188% | 7,010 |
| Noninterest expense to average assets | 1.4645% | 7,628 |
| Loan and lease loss provision to assets | 0.1054% | 5,863 |
| Net operating income to assets | 0.8781% | 2,627 |
| Return on assets (ROA) | 0.8781% | 2,761 |
| Pretax return on assets | 1.4178% | 1,785 |
| Return on Equity (ROE) | 8.1559% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.1559% | 1,391 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0165% | 7,283 |
| Assets per employee ($millions) | 11.9168% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 7,535 |
| Loan loss allowance to noncurrent loans | 16.1136% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9817% | 3,516 |
| Noncurrent loans to loans | 2.9467% | 2,715 |
| Net loans and leases to total assets | 65.1226% | 4,015 |
| Net loans and leases to deposits | 73.1217% | 4,817 |
| Net loans and leases to core deposits | 99.5051% | 2,073 |
| Total domestic deposits to total assets | 89.0606% | 1,399 |
| Equity capital to assets | 10.6637% | 3,207 |
| Core capital (leverage) ratio | 10.7795% | 2,411 |
| Tier 1 risk-based capital ratio | 23.7526% | 968 |
| Total risk-based capital ratio | 24.4446% | 1,015 |
| Memoranda: | ||
| Average total assets | $462,817,330 | 1,474 |
| Average earning assets | $447,757,670 | 1,388 |
| Average equity | $49,829,000 | 1,342 |
| Average total loans | $306,958,330 | 1,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 7,120 |
| Cost of funding earning assets | 1.3162% | 4,718 |
| Net interest margin | 2.9925% | 6,846 |
| Noninterest income to average assets | 0.1141% | 7,120 |
| Noninterest expense to average assets | 1.3933% | 7,767 |
| Loan and lease loss provision to assets | 0.1158% | 5,446 |
| Net operating income to assets | 0.9274% | 2,436 |
| Return on assets (ROA) | 0.9274% | 2,502 |
| Pretax return on assets | 1.4995% | 1,517 |
| Return on Equity (ROE) | 8.5712% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.5712% | 1,516 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3109% | 7,534 |
| Assets per employee ($millions) | 12.0708% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4464% | 7,648 |
| Loan loss allowance to noncurrent loans | 16.0323% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 3,679 |
| Noncurrent loans to loans | 2.7847% | 2,874 |
| Net loans and leases to total assets | 64.8475% | 4,131 |
| Net loans and leases to deposits | 72.7118% | 4,960 |
| Net loans and leases to core deposits | 99.2396% | 2,205 |
| Total domestic deposits to total assets | 89.1843% | 1,423 |
| Equity capital to assets | 10.5907% | 3,152 |
| Core capital (leverage) ratio | 11.0929% | 2,167 |
| Tier 1 risk-based capital ratio | 23.7743% | 987 |
| Total risk-based capital ratio | 24.4266% | 1,033 |
| Memoranda: | ||
| Average total assets | $455,889,500 | 1,541 |
| Average earning assets | $440,962,000 | 1,441 |
| Average equity | $49,328,000 | 1,359 |
| Average total loans | $304,486,000 | 1,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 7,150 |
| Cost of funding earning assets | 1.7804% | 4,101 |
| Net interest margin | 2.9111% | 6,843 |
| Noninterest income to average assets | 0.1490% | 6,989 |
| Noninterest expense to average assets | 1.5195% | 7,806 |
| Loan and lease loss provision to assets | 0.1219% | 6,424 |
| Net operating income to assets | 0.8110% | 2,492 |
| Return on assets (ROA) | 0.8110% | 2,575 |
| Pretax return on assets | 1.3070% | 1,673 |
| Return on Equity (ROE) | 7.3269% | 2,653 |
| Retained earnings to average equity (ytd only) | 7.3269% | 867 |
| Net charge-offs to loans | 0.0967% | 6,167 |
| Credit loss provision to net charge-offs | 176.7918% | 2,366 |
| Earnings coverage of net charge-offs (x) | 20.7167% | 1,029 |
| Efficiency ratio | 51.5369% | 7,428 |
| Assets per employee ($millions) | 11.6058% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4092% | 7,751 |
| Loan loss allowance to noncurrent loans | 15.0194% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 3,340 |
| Noncurrent loans to loans | 2.7242% | 2,837 |
| Net loans and leases to total assets | 68.2714% | 3,641 |
| Net loans and leases to deposits | 76.9368% | 4,582 |
| Net loans and leases to core deposits | 136.7335% | 924 |
| Total domestic deposits to total assets | 88.7370% | 1,608 |
| Equity capital to assets | 11.0651% | 2,659 |
| Core capital (leverage) ratio | 11.2246% | 2,086 |
| Tier 1 risk-based capital ratio | 23.8745% | 959 |
| Total risk-based capital ratio | 24.4797% | 1,000 |
| Memoranda: | ||
| Average total assets | $424,804,800 | 1,632 |
| Average earning assets | $408,507,400 | 1,550 |
| Average equity | $47,018,800 | 1,432 |
| Average total loans | $302,967,400 | 1,583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 7,213 |
| Cost of funding earning assets | 1.8751% | 4,015 |
| Net interest margin | 2.8724% | 6,917 |
| Noninterest income to average assets | 0.1464% | 7,124 |
| Noninterest expense to average assets | 1.5258% | 7,878 |
| Loan and lease loss provision to assets | 0.1033% | 6,340 |
| Net operating income to assets | 0.7903% | 2,855 |
| Return on assets (ROA) | 0.7903% | 2,916 |
| Pretax return on assets | 1.2755% | 2,026 |
| Return on Equity (ROE) | 7.1398% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.1398% | 1,449 |
| Net charge-offs to loans | 0.0840% | 5,841 |
| Credit loss provision to net charge-offs | 170.6806% | 2,728 |
| Earnings coverage of net charge-offs (x) | 22.7801% | 1,145 |
| Efficiency ratio | 52.5311% | 7,370 |
| Assets per employee ($millions) | 11.3489% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3833% | 7,839 |
| Loan loss allowance to noncurrent loans | 18.4464% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 1.5735% | 3,993 |
| Noncurrent loans to loans | 2.0776% | 3,528 |
| Net loans and leases to total assets | 69.1309% | 3,687 |
| Net loans and leases to deposits | 77.9065% | 4,751 |
| Net loans and leases to core deposits | 140.5928% | 886 |
| Total domestic deposits to total assets | 88.7358% | 1,323 |
| Equity capital to assets | 11.0952% | 2,929 |
| Core capital (leverage) ratio | 11.1543% | 2,301 |
| Tier 1 risk-based capital ratio | 23.6241% | 1,041 |
| Total risk-based capital ratio | 24.1904% | 1,084 |
| Memoranda: | ||
| Average total assets | $420,751,250 | 1,660 |
| Average earning assets | $404,025,250 | 1,584 |
| Average equity | $46,573,750 | 1,468 |
| Average total loans | $303,127,500 | 1,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 7,226 |
| Cost of funding earning assets | 1.9698% | 3,917 |
| Net interest margin | 2.8308% | 6,953 |
| Noninterest income to average assets | 0.1500% | 7,193 |
| Noninterest expense to average assets | 1.6058% | 7,905 |
| Loan and lease loss provision to assets | 0.0824% | 6,356 |
| Net operating income to assets | 0.7200% | 3,169 |
| Return on assets (ROA) | 0.7200% | 3,276 |
| Pretax return on assets | 1.1662% | 2,408 |
| Return on Equity (ROE) | 6.5094% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.5094% | 1,794 |
| Net charge-offs to loans | 0.0007% | 6,623 |
| Credit loss provision to net charge-offs | 17,200.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,605.0000% | 7 |
| Efficiency ratio | 56.2552% | 7,091 |
| Assets per employee ($millions) | 10.6533% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 7,905 |
| Loan loss allowance to noncurrent loans | 16.9922% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 1.6338% | 3,764 |
| Noncurrent loans to loans | 2.3068% | 3,129 |
| Net loans and leases to total assets | 70.5450% | 3,565 |
| Net loans and leases to deposits | 79.4269% | 4,633 |
| Net loans and leases to core deposits | 144.1621% | 832 |
| Total domestic deposits to total assets | 88.8175% | 1,366 |
| Equity capital to assets | 10.9957% | 2,925 |
| Core capital (leverage) ratio | 10.9585% | 2,439 |
| Tier 1 risk-based capital ratio | 22.9755% | 1,135 |
| Total risk-based capital ratio | 23.5551% | 1,182 |
| Memoranda: | ||
| Average total assets | $417,248,330 | 1,694 |
| Average earning assets | $398,616,000 | 1,628 |
| Average equity | $46,148,670 | 1,491 |
| Average total loans | $304,409,670 | 1,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 7,051 |
| Cost of funding earning assets | 2.0511% | 3,869 |
| Net interest margin | 2.9014% | 6,742 |
| Noninterest income to average assets | 0.1357% | 7,326 |
| Noninterest expense to average assets | 1.4215% | 8,034 |
| Loan and lease loss provision to assets | 0.0620% | 6,177 |
| Net operating income to assets | 0.8546% | 2,890 |
| Return on assets (ROA) | 0.8546% | 3,046 |
| Pretax return on assets | 1.3963% | 1,980 |
| Return on Equity (ROE) | 7.7039% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.7039% | 1,925 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3607% | 7,637 |
| Assets per employee ($millions) | 11.1809% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3554% | 7,994 |
| Loan loss allowance to noncurrent loans | 13.9995% | 7,434 |
| Noncurrent assets plus other real estate owned to assets | 1.8090% | 3,204 |
| Noncurrent loans to loans | 2.5386% | 2,596 |
| Net loans and leases to total assets | 71.0076% | 3,466 |
| Net loans and leases to deposits | 79.9212% | 4,629 |
| Net loans and leases to core deposits | 139.6787% | 1,117 |
| Total domestic deposits to total assets | 88.8470% | 1,307 |
| Equity capital to assets | 10.8823% | 3,095 |
| Core capital (leverage) ratio | 11.1983% | 2,340 |
| Tier 1 risk-based capital ratio | 22.7329% | 1,221 |
| Total risk-based capital ratio | 23.2619% | 1,270 |
| Memoranda: | ||
| Average total assets | $412,807,000 | 1,717 |
| Average earning assets | $390,431,000 | 1,677 |
| Average equity | $45,795,000 | 1,506 |
| Average total loans | $305,716,000 | 1,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 7,667 |
| Cost of funding earning assets | 2.5469% | 3,972 |
| Net interest margin | 2.6735% | 7,543 |
| Noninterest income to average assets | 0.1056% | 7,610 |
| Noninterest expense to average assets | 1.3964% | 8,077 |
| Loan and lease loss provision to assets | 0.0814% | 6,370 |
| Net operating income to assets | 0.7279% | 3,763 |
| Return on assets (ROA) | 0.7279% | 3,597 |
| Pretax return on assets | 1.1775% | 2,732 |
| Return on Equity (ROE) | 6.4360% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.4360% | 1,352 |
| Net charge-offs to loans | 0.0064% | 6,871 |
| Credit loss provision to net charge-offs | 1,663.1579% | 260 |
| Earnings coverage of net charge-offs (x) | 257.3158% | 192 |
| Efficiency ratio | 52.5892% | 7,420 |
| Assets per employee ($millions) | 10.2754% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3279% | 8,065 |
| Loan loss allowance to noncurrent loans | 20.6488% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 3,784 |
| Noncurrent loans to loans | 1.5878% | 3,393 |
| Net loans and leases to total assets | 76.7708% | 2,437 |
| Net loans and leases to deposits | 86.7490% | 3,997 |
| Net loans and leases to core deposits | 152.0899% | 779 |
| Total domestic deposits to total assets | 88.4976% | 1,250 |
| Equity capital to assets | 11.3175% | 2,785 |
| Core capital (leverage) ratio | 11.5222% | 2,241 |
| Tier 1 risk-based capital ratio | 21.6078% | 1,370 |
| Total risk-based capital ratio | 22.0900% | 1,450 |
| Memoranda: | ||
| Average total assets | $388,355,200 | 1,744 |
| Average earning assets | $370,378,400 | 1,681 |
| Average equity | $43,925,000 | 1,533 |
| Average total loans | $297,251,600 | 1,624 |