Home > Winchester Savings Bank > Performance and Condition Ratios
Winchester Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,497 |
| Cost of funding earning assets | 2.0481% | 851 |
| Net interest margin | 2.2153% | 4,306 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.0538% | 3,509 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.1066% | 4,247 |
| Return on assets (ROA) | 0.1235% | 4,258 |
| Pretax return on assets | 0.1467% | 4,242 |
| Return on Equity (ROE) | 1.2300% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.2261% | 3,778 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.9225% | 412 |
| Assets per employee ($millions) | 10.8770% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4703% | 4,356 |
| Loan loss allowance to noncurrent loans | 216.5493% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,358 |
| Noncurrent loans to loans | 0.2172% | 2,445 |
| Net loans and leases to total assets | 80.8500% | 550 |
| Net loans and leases to deposits | 107.8220% | 244 |
| Net loans and leases to core deposits | 136.4100% | 310 |
| Total domestic deposits to total assets | 74.9800% | 4,031 |
| Equity capital to assets | 9.8309% | 2,105 |
| Core capital (leverage) ratio | 10.6321% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $745,549,000 | 1,249 |
| Average earning assets | $708,663,200 | 1,214 |
| Average equity | $75,116,400 | 1,181 |
| Average total loans | $601,152,600 | 1,089 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,513 |
| Cost of funding earning assets | 1.8440% | 942 |
| Net interest margin | 2.3316% | 4,282 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.0889% | 3,385 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.1154% | 4,306 |
| Return on assets (ROA) | 0.1182% | 4,320 |
| Pretax return on assets | 0.1396% | 4,315 |
| Return on Equity (ROE) | 1.1700% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.1658% | 3,911 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.8061% | 417 |
| Assets per employee ($millions) | 9.8626% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4641% | 4,374 |
| Loan loss allowance to noncurrent loans | 205.6962% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 2,360 |
| Noncurrent loans to loans | 0.2256% | 2,449 |
| Net loans and leases to total assets | 81.5500% | 471 |
| Net loans and leases to deposits | 107.0851% | 269 |
| Net loans and leases to core deposits | 132.7316% | 313 |
| Total domestic deposits to total assets | 76.1600% | 4,001 |
| Equity capital to assets | 10.1434% | 1,746 |
| Core capital (leverage) ratio | 11.1151% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $730,711,000 | 1,263 |
| Average earning assets | $693,343,000 | 1,237 |
| Average equity | $74,113,250 | 1,189 |
| Average total loans | $587,985,000 | 1,101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 3,511 |
| Cost of funding earning assets | 1.6354% | 988 |
| Net interest margin | 2.4546% | 4,257 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1762% | 3,149 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.0948% | 4,364 |
| Return on assets (ROA) | 0.1212% | 4,377 |
| Pretax return on assets | 0.1415% | 4,366 |
| Return on Equity (ROE) | 1.1900% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.1949% | 3,878 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.3397% | 413 |
| Assets per employee ($millions) | 9.6998% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 3,729 |
| Loan loss allowance to noncurrent loans | 436.8963% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 2,372 |
| Noncurrent loans to loans | 0.2098% | 2,426 |
| Net loans and leases to total assets | 79.8800% | 644 |
| Net loans and leases to deposits | 103.1852% | 393 |
| Net loans and leases to core deposits | 126.0074% | 386 |
| Total domestic deposits to total assets | 77.4100% | 3,905 |
| Equity capital to assets | 9.7665% | 1,991 |
| Core capital (leverage) ratio | 11.0459% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $717,853,000 | 1,271 |
| Average earning assets | $679,717,000 | 1,256 |
| Average equity | $72,807,000 | 1,200 |
| Average total loans | $573,876,667 | 1,108 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,533 |
| Cost of funding earning assets | 1.3552% | 1,121 |
| Net interest margin | 2.6037% | 4,201 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1441% | 3,269 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.2130% | 4,342 |
| Return on assets (ROA) | 0.2161% | 4,300 |
| Pretax return on assets | 0.2736% | 4,282 |
| Return on Equity (ROE) | 2.0900% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.0897% | 3,688 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.2426% | 692 |
| Assets per employee ($millions) | 9.6165% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 3,832 |
| Loan loss allowance to noncurrent loans | 410.7704% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,273 |
| Noncurrent loans to loans | 0.2212% | 2,375 |
| Net loans and leases to total assets | 79.0000% | 641 |
| Net loans and leases to deposits | 101.0180% | 395 |
| Net loans and leases to core deposits | 119.9067% | 437 |
| Total domestic deposits to total assets | 78.2000% | 3,985 |
| Equity capital to assets | 10.1264% | 1,753 |
| Core capital (leverage) ratio | 11.4480% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $703,338,000 | 1,308 |
| Average earning assets | $667,043,000 | 1,291 |
| Average equity | $72,738,500 | 1,212 |
| Average total loans | $559,748,500 | 1,136 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 3,787 |
| Cost of funding earning assets | 0.3889% | 2,185 |
| Net interest margin | 2.8298% | 3,830 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.3395% | 2,618 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.6787% | 3,677 |
| Return on assets (ROA) | 0.6157% | 3,790 |
| Pretax return on assets | 0.8378% | 3,522 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.5998% | 2,786 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9158% | 1,848 |
| Assets per employee ($millions) | 9.2626% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 3,779 |
| Loan loss allowance to noncurrent loans | 377.8036% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 2,235 |
| Noncurrent loans to loans | 0.2375% | 2,327 |
| Net loans and leases to total assets | 78.7200% | 730 |
| Net loans and leases to deposits | 97.5808% | 551 |
| Net loans and leases to core deposits | 112.6865% | 530 |
| Total domestic deposits to total assets | 80.6800% | 3,796 |
| Equity capital to assets | 10.5686% | 1,426 |
| Core capital (leverage) ratio | 12.0015% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $647,432,800 | 1,382 |
| Average earning assets | $619,757,800 | 1,354 |
| Average equity | $71,181,400 | 1,233 |
| Average total loans | $491,310,400 | 1,194 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0675% | 3,745 |
| Cost of funding earning assets | 0.2974% | 2,199 |
| Net interest margin | 2.7701% | 3,800 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.4075% | 2,295 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8010% | 3,263 |
| Return on assets (ROA) | 0.7125% | 3,485 |
| Pretax return on assets | 0.9717% | 3,108 |
| Return on Equity (ROE) | 6.4100% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.4138% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.7788% | 2,057 |
| Assets per employee ($millions) | 8.5990% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,952 |
| Loan loss allowance to noncurrent loans | 325.8555% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,247 |
| Noncurrent loans to loans | 0.2655% | 2,312 |
| Net loans and leases to total assets | 76.1400% | 899 |
| Net loans and leases to deposits | 89.5035% | 924 |
| Net loans and leases to core deposits | 99.6494% | 827 |
| Total domestic deposits to total assets | 85.0700% | 3,264 |
| Equity capital to assets | 11.0679% | 1,154 |
| Core capital (leverage) ratio | 12.4165% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $637,932,000 | 1,414 |
| Average earning assets | $611,902,750 | 1,372 |
| Average equity | $70,866,500 | 1,249 |
| Average total loans | $478,015,000 | 1,213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9448% | 3,687 |
| Cost of funding earning assets | 0.2779% | 1,927 |
| Net interest margin | 2.6669% | 3,777 |
| Noninterest income to average assets | 0.2388% | 3,739 |
| Noninterest expense to average assets | 2.5132% | 1,890 |
| Loan and lease loss provision to assets | 0.0403% | 1,862 |
| Net operating income to assets | 0.2019% | 4,418 |
| Return on assets (ROA) | 0.0821% | 4,491 |
| Pretax return on assets | 0.0972% | 4,491 |
| Return on Equity (ROE) | 0.7384% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.7384% | 4,051 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9741% | 406 |
| Assets per employee ($millions) | 8.6465% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,066 |
| Loan loss allowance to noncurrent loans | 308.7640% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,260 |
| Noncurrent loans to loans | 0.2785% | 2,351 |
| Net loans and leases to total assets | 75.2845% | 793 |
| Net loans and leases to deposits | 86.1654% | 959 |
| Net loans and leases to core deposits | 95.3668% | 853 |
| Total domestic deposits to total assets | 87.3720% | 2,808 |
| Equity capital to assets | 11.0480% | 1,188 |
| Core capital (leverage) ratio | 12.1113% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $635,600,333 | 1,421 |
| Average earning assets | $608,806,333 | 1,387 |
| Average equity | $70,695,333 | 1,285 |
| Average total loans | $472,232,000 | 1,221 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 3,636 |
| Cost of funding earning assets | 0.2800% | 1,822 |
| Net interest margin | 2.5733% | 3,730 |
| Noninterest income to average assets | 0.1010% | 4,501 |
| Noninterest expense to average assets | 2.0872% | 3,190 |
| Loan and lease loss provision to assets | 0.0514% | 1,457 |
| Net operating income to assets | 0.3252% | 4,095 |
| Return on assets (ROA) | 0.2603% | 4,193 |
| Pretax return on assets | 0.3474% | 4,113 |
| Return on Equity (ROE) | 2.3322% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.3322% | 3,451 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2698% | 1,045 |
| Assets per employee ($millions) | 8.8715% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,127 |
| Loan loss allowance to noncurrent loans | 221.2154% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,984 |
| Noncurrent loans to loans | 0.3890% | 2,093 |
| Net loans and leases to total assets | 72.5360% | 787 |
| Net loans and leases to deposits | 82.7669% | 959 |
| Net loans and leases to core deposits | 91.7343% | 826 |
| Total domestic deposits to total assets | 87.6389% | 2,692 |
| Equity capital to assets | 10.9237% | 1,369 |
| Core capital (leverage) ratio | 12.1167% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $637,803,500 | 1,420 |
| Average earning assets | $611,510,500 | 1,388 |
| Average equity | $71,176,000 | 1,312 |
| Average total loans | $468,691,500 | 1,222 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9298% | 4,004 |
| Cost of funding earning assets | 0.3848% | 1,648 |
| Net interest margin | 2.5449% | 4,129 |
| Noninterest income to average assets | 0.1283% | 4,503 |
| Noninterest expense to average assets | 2.0744% | 3,456 |
| Loan and lease loss provision to assets | 0.0082% | 2,917 |
| Net operating income to assets | 0.3475% | 4,352 |
| Return on assets (ROA) | 0.4195% | 4,282 |
| Pretax return on assets | 0.5593% | 4,166 |
| Return on Equity (ROE) | 3.6659% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.6659% | 3,356 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3253% | 732 |
| Assets per employee ($millions) | 8.3732% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,154 |
| Loan loss allowance to noncurrent loans | 213.8116% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 2,052 |
| Noncurrent loans to loans | 0.4030% | 2,151 |
| Net loans and leases to total assets | 73.1790% | 734 |
| Net loans and leases to deposits | 83.8176% | 912 |
| Net loans and leases to core deposits | 93.5470% | 805 |
| Total domestic deposits to total assets | 87.3074% | 2,382 |
| Equity capital to assets | 11.4027% | 1,553 |
| Core capital (leverage) ratio | 12.4322% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $608,801,400 | 1,432 |
| Average earning assets | $579,502,000 | 1,414 |
| Average equity | $69,670,000 | 1,354 |
| Average total loans | $456,812,800 | 1,249 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9428% | 4,097 |
| Cost of funding earning assets | 0.4104% | 1,621 |
| Net interest margin | 2.5323% | 4,219 |
| Noninterest income to average assets | 0.1338% | 4,529 |
| Noninterest expense to average assets | 2.0856% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3385% | 4,456 |
| Return on assets (ROA) | 0.4011% | 4,400 |
| Pretax return on assets | 0.5353% | 4,326 |
| Return on Equity (ROE) | 3.5016% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,740 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0566% | 628 |
| Assets per employee ($millions) | 7.8402% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,242 |
| Loan loss allowance to noncurrent loans | 167.2604% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,887 |
| Noncurrent loans to loans | 0.5165% | 2,011 |
| Net loans and leases to total assets | 74.9669% | 617 |
| Net loans and leases to deposits | 85.9036% | 829 |
| Net loans and leases to core deposits | 95.7203% | 761 |
| Total domestic deposits to total assets | 87.2686% | 2,234 |
| Equity capital to assets | 11.7470% | 1,517 |
| Core capital (leverage) ratio | 12.5345% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,004,500 | 1,457 |
| Average earning assets | $574,316,750 | 1,437 |
| Average equity | $69,185,500 | 1,378 |
| Average total loans | $455,128,500 | 1,271 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9425% | 4,155 |
| Cost of funding earning assets | 0.4473% | 1,541 |
| Net interest margin | 2.4952% | 4,313 |
| Noninterest income to average assets | 0.1381% | 4,511 |
| Noninterest expense to average assets | 2.1000% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3022% | 4,523 |
| Return on assets (ROA) | 0.3880% | 4,446 |
| Pretax return on assets | 0.5145% | 4,368 |
| Return on Equity (ROE) | 3.4165% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.4165% | 3,709 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8024% | 563 |
| Assets per employee ($millions) | 7.7607% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 4,239 |
| Loan loss allowance to noncurrent loans | 187.5416% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 2,202 |
| Noncurrent loans to loans | 0.4637% | 2,286 |
| Net loans and leases to total assets | 74.2731% | 724 |
| Net loans and leases to deposits | 84.9933% | 989 |
| Net loans and leases to core deposits | 94.6708% | 873 |
| Total domestic deposits to total assets | 87.3870% | 2,138 |
| Equity capital to assets | 11.4305% | 1,672 |
| Core capital (leverage) ratio | 12.5159% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,107,000 | 1,449 |
| Average earning assets | $573,250,333 | 1,438 |
| Average equity | $68,608,667 | 1,375 |
| Average total loans | $454,665,667 | 1,277 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9771% | 4,136 |
| Cost of funding earning assets | 0.5068% | 1,351 |
| Net interest margin | 2.4703% | 4,341 |
| Noninterest income to average assets | 0.1597% | 4,400 |
| Noninterest expense to average assets | 2.1031% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2998% | 4,520 |
| Return on assets (ROA) | 0.3778% | 4,425 |
| Pretax return on assets | 0.5011% | 4,347 |
| Return on Equity (ROE) | 3.3374% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.3374% | 3,678 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9418% | 598 |
| Assets per employee ($millions) | 7.7354% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,252 |
| Loan loss allowance to noncurrent loans | 185.5127% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 2,407 |
| Noncurrent loans to loans | 0.4678% | 2,453 |
| Net loans and leases to total assets | 73.7269% | 838 |
| Net loans and leases to deposits | 84.1899% | 1,127 |
| Net loans and leases to core deposits | 93.8692% | 988 |
| Total domestic deposits to total assets | 87.5722% | 2,058 |
| Equity capital to assets | 11.2157% | 1,713 |
| Core capital (leverage) ratio | 12.3925% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,493,000 | 1,443 |
| Average earning assets | $573,042,500 | 1,426 |
| Average equity | $68,316,500 | 1,375 |
| Average total loans | $455,226,000 | 1,278 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 4,330 |
| Cost of funding earning assets | 0.7819% | 1,291 |
| Net interest margin | 2.5192% | 4,569 |
| Noninterest income to average assets | 0.1087% | 4,713 |
| Noninterest expense to average assets | 2.0420% | 4,057 |
| Loan and lease loss provision to assets | 0.0891% | 3,247 |
| Net operating income to assets | 0.2786% | 4,467 |
| Return on assets (ROA) | 0.3062% | 4,495 |
| Pretax return on assets | 0.4006% | 4,419 |
| Return on Equity (ROE) | 2.6464% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.6464% | 3,530 |
| Net charge-offs to loans | 0.0004% | 3,423 |
| Credit loss provision to net charge-offs | 26,200.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,337.0000% | 83 |
| Efficiency ratio | 81.7847% | 759 |
| Assets per employee ($millions) | 7.4486% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,283 |
| Loan loss allowance to noncurrent loans | 183.3566% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 2,540 |
| Noncurrent loans to loans | 0.4717% | 2,554 |
| Net loans and leases to total assets | 75.8566% | 803 |
| Net loans and leases to deposits | 86.9229% | 1,181 |
| Net loans and leases to core deposits | 97.5626% | 1,032 |
| Total domestic deposits to total assets | 87.2688% | 1,813 |
| Equity capital to assets | 11.4273% | 1,937 |
| Core capital (leverage) ratio | 12.4647% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $587,941,400 | 1,350 |
| Average earning assets | $557,349,800 | 1,328 |
| Average equity | $68,016,400 | 1,326 |
| Average total loans | $451,263,600 | 1,223 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 4,405 |
| Cost of funding earning assets | 0.8434% | 1,288 |
| Net interest margin | 2.5159% | 4,647 |
| Noninterest income to average assets | 0.1026% | 4,755 |
| Noninterest expense to average assets | 2.0222% | 4,103 |
| Loan and lease loss provision to assets | 0.1155% | 2,876 |
| Net operating income to assets | 0.2689% | 4,494 |
| Return on assets (ROA) | 0.2680% | 4,538 |
| Pretax return on assets | 0.3488% | 4,492 |
| Return on Equity (ROE) | 2.3098% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.3098% | 3,822 |
| Net charge-offs to loans | 0.0006% | 3,224 |
| Credit loss provision to net charge-offs | 25,400.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,023.0000% | 117 |
| Efficiency ratio | 81.2860% | 771 |
| Assets per employee ($millions) | 7.2526% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 4,216 |
| Loan loss allowance to noncurrent loans | 180.5977% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 2,683 |
| Noncurrent loans to loans | 0.4725% | 2,634 |
| Net loans and leases to total assets | 76.7380% | 994 |
| Net loans and leases to deposits | 87.9526% | 1,492 |
| Net loans and leases to core deposits | 98.9474% | 1,246 |
| Total domestic deposits to total assets | 87.2493% | 1,558 |
| Equity capital to assets | 11.3304% | 2,128 |
| Core capital (leverage) ratio | 12.2956% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,954,500 | 1,336 |
| Average earning assets | $555,493,750 | 1,316 |
| Average equity | $67,997,000 | 1,309 |
| Average total loans | $450,088,250 | 1,222 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 4,501 |
| Cost of funding earning assets | 0.9156% | 1,298 |
| Net interest margin | 2.5216% | 4,723 |
| Noninterest income to average assets | 0.0992% | 4,785 |
| Noninterest expense to average assets | 2.0167% | 4,200 |
| Loan and lease loss provision to assets | 0.1397% | 2,619 |
| Net operating income to assets | 0.2568% | 4,498 |
| Return on assets (ROA) | 0.2378% | 4,564 |
| Pretax return on assets | 0.3061% | 4,529 |
| Return on Equity (ROE) | 2.0383% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.0383% | 3,737 |
| Net charge-offs to loans | 0.0009% | 3,005 |
| Credit loss provision to net charge-offs | 20,350.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 684.5000% | 145 |
| Efficiency ratio | 81.1068% | 812 |
| Assets per employee ($millions) | 7.3673% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,234 |
| Loan loss allowance to noncurrent loans | 232.6444% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 3,217 |
| Noncurrent loans to loans | 0.3599% | 3,110 |
| Net loans and leases to total assets | 75.9526% | 1,147 |
| Net loans and leases to deposits | 86.8199% | 1,678 |
| Net loans and leases to core deposits | 97.8661% | 1,422 |
| Total domestic deposits to total assets | 87.4830% | 1,424 |
| Equity capital to assets | 11.5015% | 1,971 |
| Core capital (leverage) ratio | 12.3680% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $582,830,333 | 1,325 |
| Average earning assets | $551,787,333 | 1,306 |
| Average equity | $67,996,667 | 1,303 |
| Average total loans | $446,685,000 | 1,214 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 4,543 |
| Cost of funding earning assets | 0.9827% | 1,501 |
| Net interest margin | 2.6047% | 4,751 |
| Noninterest income to average assets | 0.1056% | 4,800 |
| Noninterest expense to average assets | 2.0637% | 4,286 |
| Loan and lease loss provision to assets | 0.0952% | 2,495 |
| Net operating income to assets | 0.3227% | 4,302 |
| Return on assets (ROA) | 0.1778% | 4,568 |
| Pretax return on assets | 0.2341% | 4,534 |
| Return on Equity (ROE) | 1.5131% | 4,544 |
| Retained earnings to average equity (ytd only) | 1.5131% | 3,600 |
| Net charge-offs to loans | 0.0018% | 2,529 |
| Credit loss provision to net charge-offs | 6,850.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 182 |
| Efficiency ratio | 80.1025% | 1,129 |
| Assets per employee ($millions) | 7.1829% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 4,422 |
| Loan loss allowance to noncurrent loans | 218.8923% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 3,318 |
| Noncurrent loans to loans | 0.3644% | 3,192 |
| Net loans and leases to total assets | 76.9881% | 1,136 |
| Net loans and leases to deposits | 88.3983% | 1,711 |
| Net loans and leases to core deposits | 100.7538% | 1,413 |
| Total domestic deposits to total assets | 87.0923% | 1,523 |
| Equity capital to assets | 11.7814% | 2,226 |
| Core capital (leverage) ratio | 12.6625% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $575,868,000 | 1,299 |
| Average earning assets | $546,247,500 | 1,271 |
| Average equity | $67,677,000 | 1,303 |
| Average total loans | $441,488,500 | 1,203 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,686 |
| Cost of funding earning assets | 1.0653% | 1,450 |
| Net interest margin | 2.6266% | 4,887 |
| Noninterest income to average assets | 0.1222% | 4,849 |
| Noninterest expense to average assets | 2.1924% | 4,173 |
| Loan and lease loss provision to assets | 0.0073% | 3,860 |
| Net operating income to assets | 0.3405% | 4,697 |
| Return on assets (ROA) | 0.3471% | 4,713 |
| Pretax return on assets | 0.4446% | 4,650 |
| Return on Equity (ROE) | 2.8882% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.8882% | 3,585 |
| Net charge-offs to loans | -0.0023% | 4,239 |
| Credit loss provision to net charge-offs | -410.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1739% | 714 |
| Assets per employee ($millions) | 7.3051% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 4,357 |
| Loan loss allowance to noncurrent loans | 234.0629% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,421 |
| Noncurrent loans to loans | 0.3345% | 3,245 |
| Net loans and leases to total assets | 75.1337% | 1,563 |
| Net loans and leases to deposits | 87.0284% | 1,966 |
| Net loans and leases to core deposits | 100.5792% | 1,516 |
| Total domestic deposits to total assets | 86.3324% | 1,918 |
| Equity capital to assets | 11.7231% | 2,338 |
| Core capital (leverage) ratio | 12.8232% | 1,322 |
| Tier 1 risk-based capital ratio | 19.2520% | 1,470 |
| Total risk-based capital ratio | 20.1719% | 1,499 |
| Memoranda: | ||
| Average total assets | $559,146,200 | 1,291 |
| Average earning assets | $535,136,000 | 1,260 |
| Average equity | $67,205,400 | 1,262 |
| Average total loans | $426,988,000 | 1,206 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,739 |
| Cost of funding earning assets | 1.0549% | 1,521 |
| Net interest margin | 2.6850% | 4,948 |
| Noninterest income to average assets | 0.1243% | 4,906 |
| Noninterest expense to average assets | 2.1988% | 4,184 |
| Loan and lease loss provision to assets | 0.0099% | 3,697 |
| Net operating income to assets | 0.3746% | 4,761 |
| Return on assets (ROA) | 0.3774% | 4,782 |
| Pretax return on assets | 0.4865% | 4,711 |
| Return on Equity (ROE) | 3.1200% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.1200% | 3,842 |
| Net charge-offs to loans | -0.0031% | 4,112 |
| Credit loss provision to net charge-offs | -410.0000% | 4,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6915% | 777 |
| Assets per employee ($millions) | 6.7341% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,404 |
| Loan loss allowance to noncurrent loans | 231.8428% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,484 |
| Noncurrent loans to loans | 0.3466% | 3,294 |
| Net loans and leases to total assets | 76.4999% | 1,397 |
| Net loans and leases to deposits | 89.2818% | 1,780 |
| Net loans and leases to core deposits | 103.0669% | 1,405 |
| Total domestic deposits to total assets | 85.6837% | 2,123 |
| Equity capital to assets | 12.1827% | 2,127 |
| Core capital (leverage) ratio | 12.8627% | 1,399 |
| Tier 1 risk-based capital ratio | 19.6568% | 1,426 |
| Total risk-based capital ratio | 20.6010% | 1,461 |
| Memoranda: | ||
| Average total assets | $554,657,250 | 1,302 |
| Average earning assets | $530,347,000 | 1,274 |
| Average equity | $67,093,250 | 1,257 |
| Average total loans | $424,480,000 | 1,217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,787 |
| Cost of funding earning assets | 1.0162% | 1,620 |
| Net interest margin | 2.7202% | 4,989 |
| Noninterest income to average assets | 0.1221% | 4,958 |
| Noninterest expense to average assets | 2.1977% | 4,229 |
| Loan and lease loss provision to assets | 0.0148% | 3,483 |
| Net operating income to assets | 0.3931% | 4,749 |
| Return on assets (ROA) | 0.3899% | 4,768 |
| Pretax return on assets | 0.5041% | 4,697 |
| Return on Equity (ROE) | 3.2312% | 4,743 |
| Retained earnings to average equity (ytd only) | 3.2312% | 3,612 |
| Net charge-offs to loans | -0.0047% | 4,105 |
| Credit loss provision to net charge-offs | -410.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7835% | 901 |
| Assets per employee ($millions) | 6.9379% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,421 |
| Loan loss allowance to noncurrent loans | 233.7432% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 3,530 |
| Noncurrent loans to loans | 0.3443% | 3,310 |
| Net loans and leases to total assets | 75.0453% | 1,716 |
| Net loans and leases to deposits | 88.4497% | 1,947 |
| Net loans and leases to core deposits | 101.8359% | 1,570 |
| Total domestic deposits to total assets | 84.8452% | 2,546 |
| Equity capital to assets | 12.0713% | 2,131 |
| Core capital (leverage) ratio | 12.5446% | 1,513 |
| Tier 1 risk-based capital ratio | 19.4314% | 1,451 |
| Total risk-based capital ratio | 20.4971% | 1,463 |
| Memoranda: | ||
| Average total assets | $555,478,330 | 1,302 |
| Average earning assets | $530,619,000 | 1,272 |
| Average equity | $67,033,670 | 1,256 |
| Average total loans | $424,023,330 | 1,220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,827 |
| Cost of funding earning assets | 0.9423% | 1,822 |
| Net interest margin | 2.7709% | 5,014 |
| Noninterest income to average assets | 0.1268% | 4,972 |
| Noninterest expense to average assets | 2.2215% | 4,209 |
| Loan and lease loss provision to assets | 0.0297% | 3,022 |
| Net operating income to assets | 0.4035% | 4,726 |
| Return on assets (ROA) | 0.4035% | 4,738 |
| Pretax return on assets | 0.5230% | 4,635 |
| Return on Equity (ROE) | 3.3437% | 4,711 |
| Retained earnings to average equity (ytd only) | 3.3437% | 3,581 |
| Net charge-offs to loans | -0.0113% | 4,272 |
| Credit loss provision to net charge-offs | -341.6667% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0783% | 1,059 |
| Assets per employee ($millions) | 7.1150% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,501 |
| Loan loss allowance to noncurrent loans | 196.4429% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,364 |
| Noncurrent loans to loans | 0.4104% | 3,115 |
| Net loans and leases to total assets | 74.9531% | 1,650 |
| Net loans and leases to deposits | 88.2690% | 1,841 |
| Net loans and leases to core deposits | 101.8809% | 1,475 |
| Total domestic deposits to total assets | 84.9145% | 2,707 |
| Equity capital to assets | 11.9376% | 2,059 |
| Core capital (leverage) ratio | 12.7151% | 1,391 |
| Tier 1 risk-based capital ratio | 19.2861% | 1,486 |
| Total risk-based capital ratio | 20.3429% | 1,500 |
| Memoranda: | ||
| Average total assets | $552,234,000 | 1,313 |
| Average earning assets | $527,634,500 | 1,282 |
| Average equity | $66,632,000 | 1,251 |
| Average total loans | $423,459,000 | 1,226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,878 |
| Cost of funding earning assets | 0.6670% | 2,289 |
| Net interest margin | 2.8676% | 4,952 |
| Noninterest income to average assets | 0.1216% | 5,071 |
| Noninterest expense to average assets | 2.2171% | 4,301 |
| Loan and lease loss provision to assets | 0.0428% | 3,329 |
| Net operating income to assets | 0.4506% | 4,766 |
| Return on assets (ROA) | 0.4437% | 4,774 |
| Pretax return on assets | 0.5896% | 4,652 |
| Return on Equity (ROE) | 3.6530% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.6530% | 3,569 |
| Net charge-offs to loans | -0.0015% | 4,208 |
| Credit loss provision to net charge-offs | -3,833.3333% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5678% | 1,175 |
| Assets per employee ($millions) | 6.7798% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,542 |
| Loan loss allowance to noncurrent loans | 191.7520% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,258 |
| Noncurrent loans to loans | 0.4164% | 3,044 |
| Net loans and leases to total assets | 77.2190% | 1,406 |
| Net loans and leases to deposits | 91.0422% | 1,662 |
| Net loans and leases to core deposits | 100.9667% | 1,647 |
| Total domestic deposits to total assets | 84.8167% | 2,723 |
| Equity capital to assets | 12.1989% | 1,760 |
| Core capital (leverage) ratio | 12.8324% | 1,311 |
| Tier 1 risk-based capital ratio | 19.2790% | 1,457 |
| Total risk-based capital ratio | 20.3118% | 1,469 |
| Memoranda: | ||
| Average total assets | $536,824,200 | 1,318 |
| Average earning assets | $512,310,800 | 1,282 |
| Average equity | $65,205,800 | 1,234 |
| Average total loans | $406,746,200 | 1,239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 4,954 |
| Cost of funding earning assets | 0.6223% | 2,318 |
| Net interest margin | 2.8523% | 5,034 |
| Noninterest income to average assets | 0.1213% | 5,129 |
| Noninterest expense to average assets | 2.2120% | 4,296 |
| Loan and lease loss provision to assets | 0.0535% | 2,904 |
| Net operating income to assets | 0.4356% | 4,888 |
| Return on assets (ROA) | 0.4313% | 4,903 |
| Pretax return on assets | 0.5747% | 4,774 |
| Return on Equity (ROE) | 3.5546% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.5546% | 3,990 |
| Net charge-offs to loans | -0.0017% | 4,068 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7301% | 1,142 |
| Assets per employee ($millions) | 6.6127% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,620 |
| Loan loss allowance to noncurrent loans | 189.1206% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 3,373 |
| Noncurrent loans to loans | 0.4235% | 3,138 |
| Net loans and leases to total assets | 76.6282% | 1,566 |
| Net loans and leases to deposits | 90.0876% | 1,887 |
| Net loans and leases to core deposits | 99.5458% | 1,829 |
| Total domestic deposits to total assets | 85.0597% | 2,584 |
| Equity capital to assets | 12.0676% | 1,862 |
| Core capital (leverage) ratio | 12.8425% | 1,350 |
| Tier 1 risk-based capital ratio | 19.0638% | 1,521 |
| Total risk-based capital ratio | 20.1077% | 1,543 |
| Memoranda: | ||
| Average total assets | $535,433,750 | 1,323 |
| Average earning assets | $511,430,000 | 1,289 |
| Average equity | $64,966,000 | 1,235 |
| Average total loans | $402,883,750 | 1,250 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 5,000 |
| Cost of funding earning assets | 0.5882% | 2,309 |
| Net interest margin | 2.8435% | 5,079 |
| Noninterest income to average assets | 0.1185% | 5,197 |
| Noninterest expense to average assets | 2.2653% | 4,221 |
| Loan and lease loss provision to assets | 0.0075% | 3,691 |
| Net operating income to assets | 0.4150% | 4,931 |
| Return on assets (ROA) | 0.4085% | 4,947 |
| Pretax return on assets | 0.5484% | 4,819 |
| Return on Equity (ROE) | 3.3606% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.3606% | 3,898 |
| Net charge-offs to loans | -0.0020% | 3,945 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0610% | 1,015 |
| Assets per employee ($millions) | 6.6358% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,747 |
| Loan loss allowance to noncurrent loans | 199.3060% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 3,588 |
| Noncurrent loans to loans | 0.3925% | 3,287 |
| Net loans and leases to total assets | 74.5392% | 1,860 |
| Net loans and leases to deposits | 86.7618% | 2,242 |
| Net loans and leases to core deposits | 95.3892% | 2,115 |
| Total domestic deposits to total assets | 85.9125% | 2,323 |
| Equity capital to assets | 12.1459% | 1,746 |
| Core capital (leverage) ratio | 12.7002% | 1,348 |
| Tier 1 risk-based capital ratio | 19.2127% | 1,498 |
| Total risk-based capital ratio | 20.2024% | 1,522 |
| Memoranda: | ||
| Average total assets | $533,163,670 | 1,332 |
| Average earning assets | $508,322,670 | 1,296 |
| Average equity | $64,809,330 | 1,239 |
| Average total loans | $397,556,000 | 1,265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 5,015 |
| Cost of funding earning assets | 0.5494% | 2,408 |
| Net interest margin | 2.8540% | 5,093 |
| Noninterest income to average assets | 0.1228% | 5,241 |
| Noninterest expense to average assets | 2.2848% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4116% | 4,907 |
| Return on assets (ROA) | 0.3985% | 4,932 |
| Pretax return on assets | 0.5371% | 4,814 |
| Return on Equity (ROE) | 3.2770% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.2770% | 3,894 |
| Net charge-offs to loans | -0.0020% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4936% | 1,090 |
| Assets per employee ($millions) | 6.8330% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 4,820 |
| Loan loss allowance to noncurrent loans | 192.8089% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,625 |
| Noncurrent loans to loans | 0.4083% | 3,318 |
| Net loans and leases to total assets | 74.1790% | 1,830 |
| Net loans and leases to deposits | 86.5965% | 2,089 |
| Net loans and leases to core deposits | 94.0122% | 2,138 |
| Total domestic deposits to total assets | 85.6605% | 2,689 |
| Equity capital to assets | 12.1459% | 1,686 |
| Core capital (leverage) ratio | 12.8044% | 1,249 |
| Tier 1 risk-based capital ratio | 19.2957% | 1,476 |
| Total risk-based capital ratio | 20.2867% | 1,507 |
| Memoranda: | ||
| Average total assets | $530,997,000 | 1,349 |
| Average earning assets | $505,263,000 | 1,315 |
| Average equity | $64,572,000 | 1,248 |
| Average total loans | $394,431,500 | 1,274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2402% | 5,145 |
| Cost of funding earning assets | 0.5363% | 2,064 |
| Net interest margin | 2.7039% | 5,275 |
| Noninterest income to average assets | 0.1318% | 5,285 |
| Noninterest expense to average assets | 2.1471% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2749% | 4,972 |
| Return on assets (ROA) | 0.2759% | 4,989 |
| Pretax return on assets | 0.5571% | 4,834 |
| Return on Equity (ROE) | 2.3621% | 4,983 |
| Retained earnings to average equity (ytd only) | 2.3621% | 3,909 |
| Net charge-offs to loans | -0.0059% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4430% | 1,166 |
| Assets per employee ($millions) | 6.5311% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 4,816 |
| Loan loss allowance to noncurrent loans | 188.4014% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,620 |
| Noncurrent loans to loans | 0.4263% | 3,255 |
| Net loans and leases to total assets | 73.1988% | 2,062 |
| Net loans and leases to deposits | 85.5259% | 2,322 |
| Net loans and leases to core deposits | 92.3140% | 2,344 |
| Total domestic deposits to total assets | 85.5867% | 2,619 |
| Equity capital to assets | 12.1752% | 1,718 |
| Core capital (leverage) ratio | 12.6413% | 1,290 |
| Tier 1 risk-based capital ratio | 19.4594% | 1,421 |
| Total risk-based capital ratio | 20.4609% | 1,439 |
| Memoranda: | ||
| Average total assets | $543,372,600 | 1,294 |
| Average earning assets | $516,661,600 | 1,266 |
| Average equity | $63,460,200 | 1,248 |
| Average total loans | $389,355,200 | 1,263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2105% | 5,215 |
| Cost of funding earning assets | 0.5344% | 1,994 |
| Net interest margin | 2.6761% | 5,349 |
| Noninterest income to average assets | 0.1275% | 5,364 |
| Noninterest expense to average assets | 2.1337% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3679% | 5,067 |
| Return on assets (ROA) | 0.3691% | 5,087 |
| Pretax return on assets | 0.5407% | 4,947 |
| Return on Equity (ROE) | 3.1929% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.1929% | 4,018 |
| Net charge-offs to loans | -0.0075% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8340% | 1,125 |
| Assets per employee ($millions) | 6.8295% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,877 |
| Loan loss allowance to noncurrent loans | 184.2446% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,801 |
| Noncurrent loans to loans | 0.4376% | 3,395 |
| Net loans and leases to total assets | 71.4672% | 2,336 |
| Net loans and leases to deposits | 83.7172% | 2,590 |
| Net loans and leases to core deposits | 90.3922% | 2,574 |
| Total domestic deposits to total assets | 85.3674% | 2,572 |
| Equity capital to assets | 11.9587% | 1,990 |
| Core capital (leverage) ratio | 12.3776% | 1,470 |
| Tier 1 risk-based capital ratio | 19.2645% | 1,531 |
| Total risk-based capital ratio | 20.2498% | 1,548 |
| Memoranda: | ||
| Average total assets | $546,961,500 | 1,299 |
| Average earning assets | $520,189,250 | 1,268 |
| Average equity | $63,223,000 | 1,260 |
| Average total loans | $389,101,750 | 1,268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 5,264 |
| Cost of funding earning assets | 0.5326% | 1,892 |
| Net interest margin | 2.6471% | 5,409 |
| Noninterest income to average assets | 0.1274% | 5,414 |
| Noninterest expense to average assets | 2.1804% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3152% | 5,185 |
| Return on assets (ROA) | 0.3152% | 5,207 |
| Pretax return on assets | 0.4674% | 5,058 |
| Return on Equity (ROE) | 2.7584% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.7584% | 4,056 |
| Net charge-offs to loans | -0.0010% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3481% | 973 |
| Assets per employee ($millions) | 6.5867% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,945 |
| Loan loss allowance to noncurrent loans | 173.3853% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 3,796 |
| Noncurrent loans to loans | 0.4635% | 3,351 |
| Net loans and leases to total assets | 71.1703% | 2,343 |
| Net loans and leases to deposits | 84.6663% | 2,383 |
| Net loans and leases to core deposits | 91.0723% | 2,420 |
| Total domestic deposits to total assets | 84.0598% | 3,170 |
| Equity capital to assets | 11.7175% | 2,138 |
| Core capital (leverage) ratio | 12.1519% | 1,555 |
| Tier 1 risk-based capital ratio | 19.1397% | 1,564 |
| Total risk-based capital ratio | 20.1131% | 1,579 |
| Memoranda: | ||
| Average total assets | $549,438,670 | 1,303 |
| Average earning assets | $523,136,670 | 1,270 |
| Average equity | $62,790,330 | 1,266 |
| Average total loans | $389,228,670 | 1,272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 5,311 |
| Cost of funding earning assets | 0.5200% | 1,934 |
| Net interest margin | 2.6265% | 5,452 |
| Noninterest income to average assets | 0.1242% | 5,497 |
| Noninterest expense to average assets | 2.2111% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2830% | 5,235 |
| Return on assets (ROA) | 0.2830% | 5,251 |
| Pretax return on assets | 0.4180% | 5,128 |
| Return on Equity (ROE) | 2.5071% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.5071% | 4,139 |
| Net charge-offs to loans | -0.0010% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1021% | 962 |
| Assets per employee ($millions) | 6.6993% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 5,074 |
| Loan loss allowance to noncurrent loans | 144.2539% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,631 |
| Noncurrent loans to loans | 0.5527% | 3,156 |
| Net loans and leases to total assets | 70.5026% | 2,294 |
| Net loans and leases to deposits | 83.7412% | 2,315 |
| Net loans and leases to core deposits | 89.3189% | 2,418 |
| Total domestic deposits to total assets | 84.1911% | 3,400 |
| Equity capital to assets | 11.4291% | 2,235 |
| Core capital (leverage) ratio | 12.0183% | 1,616 |
| Tier 1 risk-based capital ratio | 18.2643% | 1,787 |
| Total risk-based capital ratio | 19.1977% | 1,855 |
| Memoranda: | ||
| Average total assets | $554,104,500 | 1,295 |
| Average earning assets | $528,453,500 | 1,255 |
| Average equity | $62,542,000 | 1,268 |
| Average total loans | $390,088,000 | 1,274 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 5,340 |
| Cost of funding earning assets | 0.5626% | 1,587 |
| Net interest margin | 2.6059% | 5,510 |
| Noninterest income to average assets | 0.2134% | 5,139 |
| Noninterest expense to average assets | 2.2380% | 4,682 |
| Loan and lease loss provision to assets | 0.0542% | 3,300 |
| Net operating income to assets | 0.2755% | 5,276 |
| Return on assets (ROA) | 0.3229% | 5,235 |
| Pretax return on assets | 0.4801% | 5,065 |
| Return on Equity (ROE) | 2.8020% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.8020% | 3,908 |
| Net charge-offs to loans | 0.0003% | 4,280 |
| Credit loss provision to net charge-offs | 29,400.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,515.0000% | 18 |
| Efficiency ratio | 82.8433% | 1,108 |
| Assets per employee ($millions) | 6.6532% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,111 |
| Loan loss allowance to noncurrent loans | 141.6477% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 3,694 |
| Noncurrent loans to loans | 0.5637% | 3,149 |
| Net loans and leases to total assets | 69.1847% | 2,600 |
| Net loans and leases to deposits | 82.3788% | 2,622 |
| Net loans and leases to core deposits | 87.4172% | 2,736 |
| Total domestic deposits to total assets | 83.9836% | 3,423 |
| Equity capital to assets | 11.1474% | 2,480 |
| Core capital (leverage) ratio | 11.9920% | 1,606 |
| Tier 1 risk-based capital ratio | 18.0312% | 1,839 |
| Total risk-based capital ratio | 18.9527% | 1,909 |
| Memoranda: | ||
| Average total assets | $542,628,200 | 1,277 |
| Average earning assets | $518,085,200 | 1,240 |
| Average equity | $62,527,200 | 1,249 |
| Average total loans | $381,862,400 | 1,246 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 5,380 |
| Cost of funding earning assets | 0.5698% | 1,545 |
| Net interest margin | 2.6185% | 5,574 |
| Noninterest income to average assets | 0.2161% | 5,170 |
| Noninterest expense to average assets | 2.2726% | 4,597 |
| Loan and lease loss provision to assets | 0.0663% | 2,898 |
| Net operating income to assets | 0.2549% | 5,382 |
| Return on assets (ROA) | 0.3241% | 5,310 |
| Pretax return on assets | 0.4810% | 5,169 |
| Return on Equity (ROE) | 2.7887% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.7887% | 4,222 |
| Net charge-offs to loans | 0.0312% | 3,024 |
| Credit loss provision to net charge-offs | 301.1236% | 1,025 |
| Earnings coverage of net charge-offs (x) | 20.1579% | 1,890 |
| Efficiency ratio | 83.6523% | 1,016 |
| Assets per employee ($millions) | 6.5429% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 5,258 |
| Loan loss allowance to noncurrent loans | 138.6679% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 3,835 |
| Noncurrent loans to loans | 0.5590% | 3,320 |
| Net loans and leases to total assets | 70.6718% | 2,393 |
| Net loans and leases to deposits | 84.6504% | 2,411 |
| Net loans and leases to core deposits | 90.2956% | 2,550 |
| Total domestic deposits to total assets | 83.4866% | 3,401 |
| Equity capital to assets | 11.4299% | 2,574 |
| Core capital (leverage) ratio | 11.9562% | 1,705 |
| Tier 1 risk-based capital ratio | 18.0062% | 1,917 |
| Total risk-based capital ratio | 18.8896% | 1,991 |
| Memoranda: | ||
| Average total assets | $538,569,000 | 1,289 |
| Average earning assets | $514,327,500 | 1,248 |
| Average equity | $62,584,250 | 1,258 |
| Average total loans | $379,887,750 | 1,242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1839% | 5,452 |
| Cost of funding earning assets | 0.5763% | 1,494 |
| Net interest margin | 2.6075% | 5,661 |
| Noninterest income to average assets | 0.2082% | 5,249 |
| Noninterest expense to average assets | 2.3233% | 4,546 |
| Loan and lease loss provision to assets | 0.0562% | 3,015 |
| Net operating income to assets | 0.2197% | 5,491 |
| Return on assets (ROA) | 0.3195% | 5,350 |
| Pretax return on assets | 0.4744% | 5,187 |
| Return on Equity (ROE) | 2.7344% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.7344% | 4,169 |
| Net charge-offs to loans | 0.0493% | 2,499 |
| Credit loss provision to net charge-offs | 162.3656% | 1,515 |
| Earnings coverage of net charge-offs (x) | 11.0215% | 2,290 |
| Efficiency ratio | 85.8893% | 895 |
| Assets per employee ($millions) | 6.1519% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 5,412 |
| Loan loss allowance to noncurrent loans | 130.0045% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,862 |
| Noncurrent loans to loans | 0.5749% | 3,341 |
| Net loans and leases to total assets | 70.5738% | 2,388 |
| Net loans and leases to deposits | 85.0222% | 2,348 |
| Net loans and leases to core deposits | 90.6535% | 2,472 |
| Total domestic deposits to total assets | 83.0063% | 3,652 |
| Equity capital to assets | 11.6740% | 2,383 |
| Core capital (leverage) ratio | 11.9160% | 1,692 |
| Tier 1 risk-based capital ratio | 17.8688% | 1,971 |
| Total risk-based capital ratio | 18.7150% | 2,043 |
| Memoranda: | ||
| Average total assets | $537,073,000 | 1,293 |
| Average earning assets | $514,277,000 | 1,251 |
| Average equity | $62,755,330 | 1,258 |
| Average total loans | $377,588,330 | 1,255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 5,518 |
| Cost of funding earning assets | 0.5784% | 1,490 |
| Net interest margin | 2.5997% | 5,723 |
| Noninterest income to average assets | 0.2064% | 5,258 |
| Noninterest expense to average assets | 2.3293% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2541% | 5,429 |
| Return on assets (ROA) | 0.3111% | 5,357 |
| Pretax return on assets | 0.4546% | 5,204 |
| Return on Equity (ROE) | 2.6610% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.6610% | 4,182 |
| Net charge-offs to loans | -0.0043% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2642% | 952 |
| Assets per employee ($millions) | 6.1445% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,492 |
| Loan loss allowance to noncurrent loans | 120.2300% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,847 |
| Noncurrent loans to loans | 0.6251% | 3,299 |
| Net loans and leases to total assets | 68.9404% | 2,507 |
| Net loans and leases to deposits | 82.8590% | 2,450 |
| Net loans and leases to core deposits | 88.3205% | 2,535 |
| Total domestic deposits to total assets | 83.2021% | 3,824 |
| Equity capital to assets | 11.6144% | 2,329 |
| Core capital (leverage) ratio | 11.9885% | 1,610 |
| Tier 1 risk-based capital ratio | 18.5564% | 1,838 |
| Total risk-based capital ratio | 19.4238% | 1,901 |
| Memoranda: | ||
| Average total assets | $534,927,500 | 1,300 |
| Average earning assets | $513,135,000 | 1,258 |
| Average equity | $62,533,500 | 1,256 |
| Average total loans | $373,913,500 | 1,263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1415% | 5,587 |
| Cost of funding earning assets | 0.5781% | 1,514 |
| Net interest margin | 2.5633% | 5,784 |
| Noninterest income to average assets | 0.1679% | 5,577 |
| Noninterest expense to average assets | 2.2540% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2538% | 5,474 |
| Return on assets (ROA) | 0.2729% | 5,510 |
| Pretax return on assets | 0.3912% | 5,335 |
| Return on Equity (ROE) | 2.3269% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.3269% | 4,400 |
| Net charge-offs to loans | 0.0132% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 41.0851% | 1,151 |
| Efficiency ratio | 86.0989% | 984 |
| Assets per employee ($millions) | 6.2252% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,510 |
| Loan loss allowance to noncurrent loans | 117.9992% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,804 |
| Noncurrent loans to loans | 0.6418% | 3,265 |
| Net loans and leases to total assets | 69.8140% | 2,397 |
| Net loans and leases to deposits | 83.3952% | 2,437 |
| Net loans and leases to core deposits | 88.4438% | 2,562 |
| Total domestic deposits to total assets | 83.7147% | 3,585 |
| Equity capital to assets | 11.7674% | 2,139 |
| Core capital (leverage) ratio | 12.0348% | 1,597 |
| Tier 1 risk-based capital ratio | 18.6124% | 1,801 |
| Total risk-based capital ratio | 19.4839% | 1,866 |
| Memoranda: | ||
| Average total assets | $530,624,000 | 1,274 |
| Average earning assets | $507,152,400 | 1,232 |
| Average equity | $62,227,800 | 1,208 |
| Average total loans | $357,061,000 | 1,269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1313% | 5,666 |
| Cost of funding earning assets | 0.5761% | 1,575 |
| Net interest margin | 2.5553% | 5,876 |
| Noninterest income to average assets | 0.1615% | 5,679 |
| Noninterest expense to average assets | 2.2701% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2338% | 5,608 |
| Return on assets (ROA) | 0.2513% | 5,649 |
| Pretax return on assets | 0.3568% | 5,542 |
| Return on Equity (ROE) | 2.1451% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.1451% | 4,813 |
| Net charge-offs to loans | 0.0189% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.4180% | 1,613 |
| Efficiency ratio | 87.2515% | 916 |
| Assets per employee ($millions) | 6.0927% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 5,577 |
| Loan loss allowance to noncurrent loans | 116.2675% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,946 |
| Noncurrent loans to loans | 0.6643% | 3,337 |
| Net loans and leases to total assets | 69.0404% | 2,530 |
| Net loans and leases to deposits | 81.9006% | 2,657 |
| Net loans and leases to core deposits | 86.6272% | 2,787 |
| Total domestic deposits to total assets | 84.2978% | 3,305 |
| Equity capital to assets | 11.9474% | 2,143 |
| Core capital (leverage) ratio | 11.9506% | 1,702 |
| Tier 1 risk-based capital ratio | 18.8415% | 1,809 |
| Total risk-based capital ratio | 19.7238% | 1,869 |
| Memoranda: | ||
| Average total assets | $530,995,000 | 1,280 |
| Average earning assets | $507,118,250 | 1,242 |
| Average equity | $62,218,250 | 1,220 |
| Average total loans | $353,268,000 | 1,286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 5,727 |
| Cost of funding earning assets | 0.5773% | 1,591 |
| Net interest margin | 2.5390% | 5,928 |
| Noninterest income to average assets | 0.1575% | 5,764 |
| Noninterest expense to average assets | 2.2339% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2459% | 5,588 |
| Return on assets (ROA) | 0.2741% | 5,606 |
| Pretax return on assets | 0.3863% | 5,497 |
| Return on Equity (ROE) | 2.3533% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.3533% | 4,559 |
| Net charge-offs to loans | 0.0309% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,872 |
| Efficiency ratio | 86.5717% | 1,014 |
| Assets per employee ($millions) | 6.1742% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 5,605 |
| Loan loss allowance to noncurrent loans | 117.0691% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 4,120 |
| Noncurrent loans to loans | 0.6819% | 3,442 |
| Net loans and leases to total assets | 65.8086% | 2,985 |
| Net loans and leases to deposits | 77.2106% | 3,131 |
| Net loans and leases to core deposits | 81.7663% | 3,204 |
| Total domestic deposits to total assets | 85.2325% | 3,027 |
| Equity capital to assets | 11.7540% | 2,200 |
| Core capital (leverage) ratio | 11.8336% | 1,756 |
| Tier 1 risk-based capital ratio | 18.7353% | 1,865 |
| Total risk-based capital ratio | 19.6288% | 1,922 |
| Memoranda: | ||
| Average total assets | $533,317,670 | 1,284 |
| Average earning assets | $508,942,000 | 1,240 |
| Average equity | $62,126,670 | 1,224 |
| Average total loans | $349,501,670 | 1,299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1257% | 5,755 |
| Cost of funding earning assets | 0.5811% | 1,573 |
| Net interest margin | 2.5446% | 5,971 |
| Noninterest income to average assets | 0.1437% | 5,889 |
| Noninterest expense to average assets | 2.2743% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2113% | 5,658 |
| Return on assets (ROA) | 0.2694% | 5,600 |
| Pretax return on assets | 0.3839% | 5,459 |
| Return on Equity (ROE) | 2.3232% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.3232% | 4,528 |
| Net charge-offs to loans | -0.0046% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3173% | 994 |
| Assets per employee ($millions) | 6.1685% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,646 |
| Loan loss allowance to noncurrent loans | 116.2414% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 4,165 |
| Noncurrent loans to loans | 0.7065% | 3,506 |
| Net loans and leases to total assets | 65.3365% | 2,872 |
| Net loans and leases to deposits | 76.6121% | 2,977 |
| Net loans and leases to core deposits | 81.0519% | 3,052 |
| Total domestic deposits to total assets | 85.2821% | 3,276 |
| Equity capital to assets | 11.7297% | 2,258 |
| Core capital (leverage) ratio | 11.6328% | 1,901 |
| Tier 1 risk-based capital ratio | 20.1563% | 1,581 |
| Total risk-based capital ratio | 21.1441% | 1,612 |
| Memoranda: | ||
| Average total assets | $534,484,500 | 1,280 |
| Average earning assets | $510,735,000 | 1,246 |
| Average equity | $61,984,000 | 1,234 |
| Average total loans | $348,130,000 | 1,302 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,952 |
| Cost of funding earning assets | 0.6540% | 1,378 |
| Net interest margin | 2.4498% | 6,195 |
| Noninterest income to average assets | 0.1567% | 5,916 |
| Noninterest expense to average assets | 2.2041% | 5,347 |
| Loan and lease loss provision to assets | -0.0469% | 6,023 |
| Net operating income to assets | 0.2369% | 5,687 |
| Return on assets (ROA) | 0.2369% | 5,747 |
| Pretax return on assets | 0.3463% | 5,610 |
| Return on Equity (ROE) | 2.0755% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.0755% | 4,741 |
| Net charge-offs to loans | -0.0176% | 5,677 |
| Credit loss provision to net charge-offs | 423.7288% | 611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0426% | 993 |
| Assets per employee ($millions) | 6.0503% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 5,702 |
| Loan loss allowance to noncurrent loans | 106.1088% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 4,127 |
| Noncurrent loans to loans | 0.7789% | 3,364 |
| Net loans and leases to total assets | 63.8689% | 3,244 |
| Net loans and leases to deposits | 74.6153% | 3,361 |
| Net loans and leases to core deposits | 79.0430% | 3,405 |
| Total domestic deposits to total assets | 85.5976% | 3,030 |
| Equity capital to assets | 11.4662% | 2,458 |
| Core capital (leverage) ratio | 11.5768% | 1,917 |
| Tier 1 risk-based capital ratio | 20.7232% | 1,462 |
| Total risk-based capital ratio | 21.7461% | 1,482 |
| Memoranda: | ||
| Average total assets | $532,826,600 | 1,257 |
| Average earning assets | $510,401,400 | 1,202 |
| Average equity | $60,803,400 | 1,203 |
| Average total loans | $334,340,800 | 1,306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1034% | 6,029 |
| Cost of funding earning assets | 0.6655% | 1,351 |
| Net interest margin | 2.4379% | 6,274 |
| Noninterest income to average assets | 0.1691% | 5,910 |
| Noninterest expense to average assets | 2.2109% | 5,328 |
| Loan and lease loss provision to assets | -0.0502% | 6,192 |
| Net operating income to assets | 0.2351% | 5,764 |
| Return on assets (ROA) | 0.2351% | 5,823 |
| Pretax return on assets | 0.3437% | 5,690 |
| Return on Equity (ROE) | 2.0626% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.0626% | 5,023 |
| Net charge-offs to loans | -0.0064% | 5,342 |
| Credit loss provision to net charge-offs | 1,250.0000% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2789% | 978 |
| Assets per employee ($millions) | 5.9044% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 5,765 |
| Loan loss allowance to noncurrent loans | 108.5380% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 4,391 |
| Noncurrent loans to loans | 0.7772% | 3,641 |
| Net loans and leases to total assets | 63.5522% | 3,253 |
| Net loans and leases to deposits | 74.3443% | 3,393 |
| Net loans and leases to core deposits | 78.9622% | 3,443 |
| Total domestic deposits to total assets | 85.4836% | 3,122 |
| Equity capital to assets | 11.5482% | 2,431 |
| Core capital (leverage) ratio | 11.4977% | 2,065 |
| Tier 1 risk-based capital ratio | 20.9104% | 1,473 |
| Total risk-based capital ratio | 21.9497% | 1,481 |
| Memoranda: | ||
| Average total assets | $531,413,750 | 1,265 |
| Average earning assets | $509,064,000 | 1,216 |
| Average equity | $60,568,500 | 1,211 |
| Average total loans | $331,229,500 | 1,323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0872% | 6,073 |
| Cost of funding earning assets | 0.6728% | 1,355 |
| Net interest margin | 2.4144% | 6,344 |
| Noninterest income to average assets | 0.1630% | 5,976 |
| Noninterest expense to average assets | 2.2446% | 5,302 |
| Loan and lease loss provision to assets | -0.0753% | 6,343 |
| Net operating income to assets | 0.2093% | 5,806 |
| Return on assets (ROA) | 0.2093% | 5,863 |
| Pretax return on assets | 0.3045% | 5,776 |
| Return on Equity (ROE) | 1.8440% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.8440% | 4,964 |
| Net charge-offs to loans | -0.0073% | 5,251 |
| Credit loss provision to net charge-offs | 1,666.6667% | 224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7348% | 854 |
| Assets per employee ($millions) | 5.9345% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 5,849 |
| Loan loss allowance to noncurrent loans | 90.3622% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 4,195 |
| Noncurrent loans to loans | 0.9509% | 3,342 |
| Net loans and leases to total assets | 61.9762% | 3,411 |
| Net loans and leases to deposits | 72.9073% | 3,460 |
| Net loans and leases to core deposits | 77.4048% | 3,501 |
| Total domestic deposits to total assets | 85.0068% | 3,505 |
| Equity capital to assets | 11.3776% | 2,528 |
| Core capital (leverage) ratio | 11.4855% | 2,012 |
| Tier 1 risk-based capital ratio | 21.1987% | 1,409 |
| Total risk-based capital ratio | 22.2537% | 1,421 |
| Memoranda: | ||
| Average total assets | $531,419,000 | 1,264 |
| Average earning assets | $508,620,670 | 1,204 |
| Average equity | $60,302,330 | 1,206 |
| Average total loans | $328,110,000 | 1,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0772% | 6,148 |
| Cost of funding earning assets | 0.6754% | 1,402 |
| Net interest margin | 2.4018% | 6,419 |
| Noninterest income to average assets | 0.1690% | 5,962 |
| Noninterest expense to average assets | 2.2865% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1222% | 5,980 |
| Return on assets (ROA) | 0.1222% | 6,014 |
| Pretax return on assets | 0.1796% | 5,953 |
| Return on Equity (ROE) | 1.0788% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.0788% | 5,168 |
| Net charge-offs to loans | -0.0086% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7173% | 830 |
| Assets per employee ($millions) | 5.9847% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 5,730 |
| Loan loss allowance to noncurrent loans | 95.5112% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,342 |
| Noncurrent loans to loans | 0.9862% | 3,451 |
| Net loans and leases to total assets | 60.4941% | 3,474 |
| Net loans and leases to deposits | 71.5688% | 3,398 |
| Net loans and leases to core deposits | 75.9406% | 3,418 |
| Total domestic deposits to total assets | 84.5257% | 4,077 |
| Equity capital to assets | 11.3060% | 2,414 |
| Core capital (leverage) ratio | 11.4730% | 1,981 |
| Tier 1 risk-based capital ratio | 20.9331% | 1,483 |
| Total risk-based capital ratio | 22.0471% | 1,488 |
| Memoranda: | ||
| Average total assets | $530,077,500 | 1,276 |
| Average earning assets | $506,961,500 | 1,217 |
| Average equity | $60,069,500 | 1,212 |
| Average total loans | $325,222,500 | 1,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1507% | 6,192 |
| Cost of funding earning assets | 0.6749% | 2,002 |
| Net interest margin | 2.4758% | 6,390 |
| Noninterest income to average assets | 0.1640% | 6,110 |
| Noninterest expense to average assets | 2.2320% | 5,550 |
| Loan and lease loss provision to assets | -0.1489% | 6,543 |
| Net operating income to assets | 0.3005% | 5,525 |
| Return on assets (ROA) | 0.3018% | 5,611 |
| Pretax return on assets | 0.4448% | 5,374 |
| Return on Equity (ROE) | 2.6296% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.6296% | 4,379 |
| Net charge-offs to loans | 0.0034% | 5,409 |
| Credit loss provision to net charge-offs | -6,954.5455% | 6,390 |
| Earnings coverage of net charge-offs (x) | 137.3636% | 337 |
| Efficiency ratio | 88.3599% | 1,175 |
| Assets per employee ($millions) | 5.9271% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 5,794 |
| Loan loss allowance to noncurrent loans | 94.0905% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 4,393 |
| Noncurrent loans to loans | 0.9992% | 3,517 |
| Net loans and leases to total assets | 61.0615% | 3,524 |
| Net loans and leases to deposits | 72.6518% | 3,435 |
| Net loans and leases to core deposits | 76.8878% | 3,507 |
| Total domestic deposits to total assets | 84.0467% | 4,149 |
| Equity capital to assets | 11.3587% | 2,279 |
| Core capital (leverage) ratio | 11.6135% | 1,886 |
| Tier 1 risk-based capital ratio | 20.8621% | 1,450 |
| Total risk-based capital ratio | 21.9768% | 1,456 |
| Memoranda: | ||
| Average total assets | $513,885,200 | 1,291 |
| Average earning assets | $490,269,800 | 1,250 |
| Average equity | $58,982,600 | 1,217 |
| Average total loans | $321,439,000 | 1,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1802% | 6,223 |
| Cost of funding earning assets | 0.6688% | 2,185 |
| Net interest margin | 2.5114% | 6,416 |
| Noninterest income to average assets | 0.1672% | 6,185 |
| Noninterest expense to average assets | 2.2488% | 5,479 |
| Loan and lease loss provision to assets | -0.1998% | 6,721 |
| Net operating income to assets | 0.3461% | 5,448 |
| Return on assets (ROA) | 0.3479% | 5,569 |
| Pretax return on assets | 0.5148% | 5,309 |
| Return on Equity (ROE) | 3.0230% | 5,593 |
| Retained earnings to average equity (ytd only) | 3.0230% | 4,510 |
| Net charge-offs to loans | 0.0062% | 5,050 |
| Credit loss provision to net charge-offs | -5,100.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | 79.7315% | 596 |
| Efficiency ratio | 87.8034% | 1,190 |
| Assets per employee ($millions) | 5.7894% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 5,911 |
| Loan loss allowance to noncurrent loans | 101.9025% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 4,700 |
| Noncurrent loans to loans | 0.9348% | 3,948 |
| Net loans and leases to total assets | 61.6072% | 3,438 |
| Net loans and leases to deposits | 73.7808% | 3,264 |
| Net loans and leases to core deposits | 77.4624% | 3,431 |
| Total domestic deposits to total assets | 83.5003% | 4,378 |
| Equity capital to assets | 11.6069% | 2,213 |
| Core capital (leverage) ratio | 11.8083% | 1,811 |
| Tier 1 risk-based capital ratio | 21.2342% | 1,451 |
| Total risk-based capital ratio | 22.3612% | 1,452 |
| Memoranda: | ||
| Average total assets | $510,477,500 | 1,312 |
| Average earning assets | $486,617,000 | 1,268 |
| Average equity | $58,748,500 | 1,231 |
| Average total loans | $320,507,250 | 1,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 6,195 |
| Cost of funding earning assets | 0.6580% | 2,428 |
| Net interest margin | 2.5704% | 6,362 |
| Noninterest income to average assets | 0.1824% | 6,116 |
| Noninterest expense to average assets | 2.3082% | 5,357 |
| Loan and lease loss provision to assets | -0.3007% | 6,833 |
| Net operating income to assets | 0.4190% | 5,141 |
| Return on assets (ROA) | 0.4197% | 5,296 |
| Pretax return on assets | 0.6233% | 4,938 |
| Return on Equity (ROE) | 3.6578% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.6578% | 3,984 |
| Net charge-offs to loans | 0.0119% | 4,634 |
| Credit loss provision to net charge-offs | -4,026.3158% | 6,213 |
| Earnings coverage of net charge-offs (x) | 43.0526% | 882 |
| Efficiency ratio | 87.7746% | 1,243 |
| Assets per employee ($millions) | 5.7168% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 5,968 |
| Loan loss allowance to noncurrent loans | 103.6370% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 4,808 |
| Noncurrent loans to loans | 0.9222% | 4,080 |
| Net loans and leases to total assets | 62.1044% | 3,269 |
| Net loans and leases to deposits | 74.9486% | 3,022 |
| Net loans and leases to core deposits | 78.5322% | 3,226 |
| Total domestic deposits to total assets | 82.8625% | 4,754 |
| Equity capital to assets | 11.5126% | 2,282 |
| Core capital (leverage) ratio | 11.9355% | 1,648 |
| Tier 1 risk-based capital ratio | 21.1193% | 1,464 |
| Total risk-based capital ratio | 22.2391% | 1,474 |
| Memoranda: | ||
| Average total assets | $508,885,670 | 1,311 |
| Average earning assets | $484,510,330 | 1,271 |
| Average equity | $58,396,330 | 1,238 |
| Average total loans | $320,514,330 | 1,325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 6,156 |
| Cost of funding earning assets | 0.6552% | 2,608 |
| Net interest margin | 2.6448% | 6,303 |
| Noninterest income to average assets | 0.1761% | 6,207 |
| Noninterest expense to average assets | 2.3327% | 5,331 |
| Loan and lease loss provision to assets | -0.3930% | 6,935 |
| Net operating income to assets | 0.5054% | 4,630 |
| Return on assets (ROA) | 0.5069% | 4,770 |
| Pretax return on assets | 0.7608% | 4,326 |
| Return on Equity (ROE) | 4.4249% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,581 |
| Net charge-offs to loans | 0.0274% | 3,646 |
| Credit loss provision to net charge-offs | -2,272.7273% | 5,780 |
| Earnings coverage of net charge-offs (x) | 21.1364% | 1,166 |
| Efficiency ratio | 86.4550% | 1,463 |
| Assets per employee ($millions) | 5.6656% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,834 |
| Loan loss allowance to noncurrent loans | 542.7869% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 6,207 |
| Noncurrent loans to loans | 0.1916% | 5,924 |
| Net loans and leases to total assets | 62.4788% | 2,970 |
| Net loans and leases to deposits | 75.5686% | 2,701 |
| Net loans and leases to core deposits | 78.8698% | 2,950 |
| Total domestic deposits to total assets | 82.6783% | 4,964 |
| Equity capital to assets | 11.6295% | 2,308 |
| Core capital (leverage) ratio | 11.8044% | 1,676 |
| Tier 1 risk-based capital ratio | 20.9309% | 1,555 |
| Total risk-based capital ratio | 22.1301% | 1,537 |
| Memoranda: | ||
| Average total assets | $508,932,500 | 1,323 |
| Average earning assets | $485,328,000 | 1,278 |
| Average equity | $58,307,000 | 1,251 |
| Average total loans | $321,256,000 | 1,320 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 6,470 |
| Cost of funding earning assets | 0.8037% | 2,635 |
| Net interest margin | 2.6116% | 6,625 |
| Noninterest income to average assets | 0.1908% | 6,039 |
| Noninterest expense to average assets | 2.2217% | 5,878 |
| Loan and lease loss provision to assets | 0.0192% | 5,661 |
| Net operating income to assets | 0.3133% | 5,420 |
| Return on assets (ROA) | 0.3320% | 5,570 |
| Pretax return on assets | 0.4712% | 5,366 |
| Return on Equity (ROE) | 3.0287% | 5,542 |
| Retained earnings to average equity (ytd only) | 3.0287% | 4,104 |
| Net charge-offs to loans | -0.0044% | 6,380 |
| Credit loss provision to net charge-offs | -721.4286% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7305% | 1,782 |
| Assets per employee ($millions) | 5.7711% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,201 |
| Loan loss allowance to noncurrent loans | 345.6267% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 6,019 |
| Noncurrent loans to loans | 0.3421% | 5,626 |
| Net loans and leases to total assets | 62.3655% | 3,199 |
| Net loans and leases to deposits | 75.1215% | 2,934 |
| Net loans and leases to core deposits | 78.5360% | 3,193 |
| Total domestic deposits to total assets | 83.0195% | 4,722 |
| Equity capital to assets | 11.2871% | 2,640 |
| Core capital (leverage) ratio | 11.4880% | 1,888 |
| Tier 1 risk-based capital ratio | 19.9786% | 1,685 |
| Total risk-based capital ratio | 21.2542% | 1,651 |
| Memoranda: | ||
| Average total assets | $525,043,400 | 1,266 |
| Average earning assets | $501,536,600 | 1,212 |
| Average equity | $57,548,600 | 1,236 |
| Average total loans | $315,351,200 | 1,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 6,576 |
| Cost of funding earning assets | 0.8362% | 2,658 |
| Net interest margin | 2.6041% | 6,752 |
| Noninterest income to average assets | 0.1806% | 6,223 |
| Noninterest expense to average assets | 2.1728% | 6,007 |
| Loan and lease loss provision to assets | 0.0253% | 5,469 |
| Net operating income to assets | 0.3336% | 5,497 |
| Return on assets (ROA) | 0.3576% | 5,614 |
| Pretax return on assets | 0.5049% | 5,455 |
| Return on Equity (ROE) | 3.2867% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.2867% | 4,560 |
| Net charge-offs to loans | -0.0043% | 6,260 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4061% | 1,884 |
| Assets per employee ($millions) | 5.3664% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,207 |
| Loan loss allowance to noncurrent loans | 218.3685% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 5,850 |
| Noncurrent loans to loans | 0.5576% | 5,328 |
| Net loans and leases to total assets | 59.6599% | 3,847 |
| Net loans and leases to deposits | 71.9775% | 3,615 |
| Net loans and leases to core deposits | 75.5092% | 3,791 |
| Total domestic deposits to total assets | 82.8869% | 4,682 |
| Equity capital to assets | 11.0906% | 3,165 |
| Core capital (leverage) ratio | 11.2650% | 2,167 |
| Tier 1 risk-based capital ratio | 19.8921% | 1,790 |
| Total risk-based capital ratio | 21.1690% | 1,759 |
| Memoranda: | ||
| Average total assets | $527,896,750 | 1,279 |
| Average earning assets | $504,481,750 | 1,212 |
| Average equity | $57,442,250 | 1,246 |
| Average total loans | $313,148,750 | 1,353 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 6,605 |
| Cost of funding earning assets | 0.8663% | 2,686 |
| Net interest margin | 2.6327% | 6,795 |
| Noninterest income to average assets | 0.1535% | 6,434 |
| Noninterest expense to average assets | 2.1424% | 6,147 |
| Loan and lease loss provision to assets | 0.0377% | 5,204 |
| Net operating income to assets | 0.3542% | 5,410 |
| Return on assets (ROA) | 0.3564% | 5,620 |
| Pretax return on assets | 0.4910% | 5,465 |
| Return on Equity (ROE) | 3.2958% | 5,558 |
| Retained earnings to average equity (ytd only) | 3.2958% | 4,411 |
| Net charge-offs to loans | -0.0051% | 6,167 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2968% | 2,126 |
| Assets per employee ($millions) | 5.1916% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,277 |
| Loan loss allowance to noncurrent loans | 99.8434% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 4,987 |
| Noncurrent loans to loans | 1.2206% | 4,106 |
| Net loans and leases to total assets | 58.5629% | 4,067 |
| Net loans and leases to deposits | 70.5300% | 3,817 |
| Net loans and leases to core deposits | 73.8776% | 4,051 |
| Total domestic deposits to total assets | 83.0327% | 4,745 |
| Equity capital to assets | 10.9358% | 3,185 |
| Core capital (leverage) ratio | 11.1067% | 2,200 |
| Tier 1 risk-based capital ratio | 20.2022% | 1,663 |
| Total risk-based capital ratio | 21.4918% | 1,617 |
| Memoranda: | ||
| Average total assets | $530,348,330 | 1,279 |
| Average earning assets | $506,546,330 | 1,210 |
| Average equity | $57,346,000 | 1,238 |
| Average total loans | $312,737,330 | 1,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 6,622 |
| Cost of funding earning assets | 0.9025% | 2,668 |
| Net interest margin | 2.6579% | 6,825 |
| Noninterest income to average assets | 0.0874% | 6,795 |
| Noninterest expense to average assets | 2.1411% | 6,174 |
| Loan and lease loss provision to assets | 0.0678% | 4,561 |
| Net operating income to assets | 0.3137% | 5,613 |
| Return on assets (ROA) | 0.3248% | 5,741 |
| Pretax return on assets | 0.4371% | 5,625 |
| Return on Equity (ROE) | 3.0212% | 5,705 |
| Retained earnings to average equity (ytd only) | 3.0212% | 4,740 |
| Net charge-offs to loans | -0.0038% | 5,769 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3807% | 2,024 |
| Assets per employee ($millions) | 5.8772% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,408 |
| Loan loss allowance to noncurrent loans | 98.9870% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 5,093 |
| Noncurrent loans to loans | 1.2304% | 4,282 |
| Net loans and leases to total assets | 58.4373% | 3,964 |
| Net loans and leases to deposits | 70.7290% | 3,625 |
| Net loans and leases to core deposits | 74.3242% | 3,860 |
| Total domestic deposits to total assets | 82.6214% | 5,070 |
| Equity capital to assets | 10.8517% | 3,083 |
| Core capital (leverage) ratio | 10.9526% | 2,296 |
| Tier 1 risk-based capital ratio | 20.5103% | 1,588 |
| Total risk-based capital ratio | 21.7992% | 1,555 |
| Memoranda: | ||
| Average total assets | $530,751,000 | 1,275 |
| Average earning assets | $507,919,500 | 1,216 |
| Average equity | $57,064,000 | 1,242 |
| Average total loans | $312,135,000 | 1,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 6,766 |
| Cost of funding earning assets | 1.0797% | 2,809 |
| Net interest margin | 2.6821% | 6,939 |
| Noninterest income to average assets | 0.1145% | 6,577 |
| Noninterest expense to average assets | 2.1441% | 6,397 |
| Loan and lease loss provision to assets | 0.0094% | 6,418 |
| Net operating income to assets | 0.3501% | 5,065 |
| Return on assets (ROA) | 0.3645% | 5,180 |
| Pretax return on assets | 0.5443% | 4,860 |
| Return on Equity (ROE) | 3.5193% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.5193% | 3,717 |
| Net charge-offs to loans | 0.0337% | 5,975 |
| Credit loss provision to net charge-offs | 46.7290% | 5,497 |
| Earnings coverage of net charge-offs (x) | 26.5327% | 937 |
| Efficiency ratio | 80.1177% | 2,284 |
| Assets per employee ($millions) | 5.7886% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 5,421 |
| Loan loss allowance to noncurrent loans | 112.7350% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 5,362 |
| Noncurrent loans to loans | 1.0592% | 4,588 |
| Net loans and leases to total assets | 57.7666% | 4,419 |
| Net loans and leases to deposits | 69.9498% | 4,109 |
| Net loans and leases to core deposits | 73.6747% | 4,287 |
| Total domestic deposits to total assets | 82.5829% | 4,932 |
| Equity capital to assets | 10.6521% | 3,359 |
| Core capital (leverage) ratio | 10.8156% | 2,425 |
| Tier 1 risk-based capital ratio | 20.5658% | 1,506 |
| Total risk-based capital ratio | 21.8416% | 1,467 |
| Memoranda: | ||
| Average total assets | $533,547,000 | 1,250 |
| Average earning assets | $509,591,800 | 1,185 |
| Average equity | $55,266,400 | 1,229 |
| Average total loans | $317,929,400 | 1,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 6,840 |
| Cost of funding earning assets | 1.1108% | 2,905 |
| Net interest margin | 2.6898% | 6,997 |
| Noninterest income to average assets | 0.1166% | 6,677 |
| Noninterest expense to average assets | 2.1471% | 6,411 |
| Loan and lease loss provision to assets | 0.0125% | 6,278 |
| Net operating income to assets | 0.3544% | 5,190 |
| Return on assets (ROA) | 0.3672% | 5,323 |
| Pretax return on assets | 0.5428% | 5,001 |
| Return on Equity (ROE) | 3.5700% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.5700% | 4,203 |
| Net charge-offs to loans | 0.0446% | 5,543 |
| Credit loss provision to net charge-offs | 46.7290% | 5,107 |
| Earnings coverage of net charge-offs (x) | 20.0752% | 1,238 |
| Efficiency ratio | 80.0074% | 2,255 |
| Assets per employee ($millions) | 5.4813% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,524 |
| Loan loss allowance to noncurrent loans | 112.5984% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 5,592 |
| Noncurrent loans to loans | 1.0531% | 4,800 |
| Net loans and leases to total assets | 57.6772% | 4,555 |
| Net loans and leases to deposits | 70.4065% | 4,236 |
| Net loans and leases to core deposits | 74.0933% | 4,432 |
| Total domestic deposits to total assets | 81.9202% | 5,127 |
| Equity capital to assets | 10.4620% | 3,758 |
| Core capital (leverage) ratio | 10.5974% | 2,765 |
| Tier 1 risk-based capital ratio | 20.4187% | 1,585 |
| Total risk-based capital ratio | 21.6785% | 1,554 |
| Memoranda: | ||
| Average total assets | $533,795,750 | 1,247 |
| Average earning assets | $509,423,750 | 1,189 |
| Average equity | $54,901,000 | 1,235 |
| Average total loans | $319,573,000 | 1,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 6,889 |
| Cost of funding earning assets | 1.1317% | 3,027 |
| Net interest margin | 2.6974% | 7,029 |
| Noninterest income to average assets | 0.1096% | 6,787 |
| Noninterest expense to average assets | 2.2126% | 6,351 |
| Loan and lease loss provision to assets | 0.0188% | 6,055 |
| Net operating income to assets | 0.3214% | 5,284 |
| Return on assets (ROA) | 0.3214% | 5,417 |
| Pretax return on assets | 0.4521% | 5,221 |
| Return on Equity (ROE) | 3.1431% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.1431% | 4,275 |
| Net charge-offs to loans | 0.0473% | 5,189 |
| Credit loss provision to net charge-offs | 65.7895% | 4,179 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,338 |
| Efficiency ratio | 82.4542% | 2,034 |
| Assets per employee ($millions) | 5.2833% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,640 |
| Loan loss allowance to noncurrent loans | 125.0918% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 5,802 |
| Noncurrent loans to loans | 0.9415% | 5,092 |
| Net loans and leases to total assets | 58.9525% | 4,476 |
| Net loans and leases to deposits | 71.1252% | 4,272 |
| Net loans and leases to core deposits | 74.9024% | 4,455 |
| Total domestic deposits to total assets | 82.8856% | 4,811 |
| Equity capital to assets | 10.3718% | 3,663 |
| Core capital (leverage) ratio | 10.5332% | 2,680 |
| Tier 1 risk-based capital ratio | 19.9745% | 1,614 |
| Total risk-based capital ratio | 21.2530% | 1,587 |
| Memoranda: | ||
| Average total assets | $532,673,000 | 1,256 |
| Average earning assets | $508,264,000 | 1,197 |
| Average equity | $54,468,670 | 1,235 |
| Average total loans | $321,584,330 | 1,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 6,861 |
| Cost of funding earning assets | 1.1615% | 3,078 |
| Net interest margin | 2.7057% | 7,012 |
| Noninterest income to average assets | 0.1165% | 6,829 |
| Noninterest expense to average assets | 2.2458% | 6,314 |
| Loan and lease loss provision to assets | 0.0225% | 5,675 |
| Net operating income to assets | 0.2743% | 5,525 |
| Return on assets (ROA) | 0.2743% | 5,584 |
| Pretax return on assets | 0.4254% | 5,259 |
| Return on Equity (ROE) | 2.7022% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.7022% | 4,546 |
| Net charge-offs to loans | 0.0953% | 3,990 |
| Credit loss provision to net charge-offs | 38.9610% | 3,973 |
| Earnings coverage of net charge-offs (x) | 7.7403% | 1,904 |
| Efficiency ratio | 83.3705% | 2,034 |
| Assets per employee ($millions) | 5.7310% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,794 |
| Loan loss allowance to noncurrent loans | 125.1427% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 5,719 |
| Noncurrent loans to loans | 0.9282% | 5,176 |
| Net loans and leases to total assets | 59.5183% | 4,356 |
| Net loans and leases to deposits | 72.2994% | 4,025 |
| Net loans and leases to core deposits | 76.0253% | 4,303 |
| Total domestic deposits to total assets | 82.3219% | 5,182 |
| Equity capital to assets | 10.1649% | 3,576 |
| Core capital (leverage) ratio | 10.4445% | 2,665 |
| Tier 1 risk-based capital ratio | 19.4452% | 1,710 |
| Total risk-based capital ratio | 20.7254% | 1,667 |
| Memoranda: | ||
| Average total assets | $532,205,000 | 1,266 |
| Average earning assets | $506,938,000 | 1,206 |
| Average equity | $54,030,500 | 1,237 |
| Average total loans | $323,214,000 | 1,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 6,918 |
| Cost of funding earning assets | 1.3719% | 3,446 |
| Net interest margin | 2.8300% | 6,996 |
| Noninterest income to average assets | 0.1589% | 6,588 |
| Noninterest expense to average assets | 2.2384% | 6,516 |
| Loan and lease loss provision to assets | 0.0547% | 6,597 |
| Net operating income to assets | 0.3559% | 4,720 |
| Return on assets (ROA) | 0.3648% | 4,846 |
| Pretax return on assets | 0.5713% | 4,415 |
| Return on Equity (ROE) | 3.5735% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,354 |
| Net charge-offs to loans | -0.0060% | 7,282 |
| Credit loss provision to net charge-offs | -1,430.0000% | 7,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5283% | 2,611 |
| Assets per employee ($millions) | 5.5357% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,693 |
| Loan loss allowance to noncurrent loans | 134.7733% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,838 |
| Noncurrent loans to loans | 0.8606% | 5,347 |
| Net loans and leases to total assets | 60.5357% | 4,576 |
| Net loans and leases to deposits | 73.6709% | 4,249 |
| Net loans and leases to core deposits | 77.6768% | 4,494 |
| Total domestic deposits to total assets | 82.1703% | 5,133 |
| Equity capital to assets | 10.1395% | 3,573 |
| Core capital (leverage) ratio | 10.3641% | 2,705 |
| Tier 1 risk-based capital ratio | 19.2622% | 1,650 |
| Total risk-based capital ratio | 20.5339% | 1,615 |
| Memoranda: | ||
| Average total assets | $522,998,200 | 1,279 |
| Average earning assets | $497,413,400 | 1,240 |
| Average equity | $53,393,200 | 1,253 |
| Average total loans | $332,396,000 | 1,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 6,981 |
| Cost of funding earning assets | 1.4181% | 3,464 |
| Net interest margin | 2.8688% | 7,052 |
| Noninterest income to average assets | 0.1495% | 6,794 |
| Noninterest expense to average assets | 2.2446% | 6,477 |
| Loan and lease loss provision to assets | 0.0578% | 6,489 |
| Net operating income to assets | 0.3664% | 4,903 |
| Return on assets (ROA) | 0.3775% | 5,038 |
| Pretax return on assets | 0.5923% | 4,623 |
| Return on Equity (ROE) | 3.6918% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.6918% | 3,860 |
| Net charge-offs to loans | -0.0076% | 7,245 |
| Credit loss provision to net charge-offs | -1,189.4737% | 7,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0091% | 2,620 |
| Assets per employee ($millions) | 5.6005% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,881 |
| Loan loss allowance to noncurrent loans | 132.1708% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 5,920 |
| Noncurrent loans to loans | 0.8430% | 5,535 |
| Net loans and leases to total assets | 62.6157% | 4,403 |
| Net loans and leases to deposits | 76.9787% | 4,012 |
| Net loans and leases to core deposits | 81.4554% | 4,325 |
| Total domestic deposits to total assets | 81.3416% | 5,255 |
| Equity capital to assets | 10.2594% | 3,814 |
| Core capital (leverage) ratio | 10.3641% | 2,845 |
| Tier 1 risk-based capital ratio | 18.9704% | 1,756 |
| Total risk-based capital ratio | 20.2390% | 1,714 |
| Memoranda: | ||
| Average total assets | $520,890,500 | 1,292 |
| Average earning assets | $495,301,250 | 1,252 |
| Average equity | $53,270,500 | 1,257 |
| Average total loans | $334,125,250 | 1,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 6,990 |
| Cost of funding earning assets | 1.4623% | 3,479 |
| Net interest margin | 2.8711% | 7,051 |
| Noninterest income to average assets | 0.1599% | 6,750 |
| Noninterest expense to average assets | 2.2935% | 6,374 |
| Loan and lease loss provision to assets | 0.0366% | 6,590 |
| Net operating income to assets | 0.3536% | 4,959 |
| Return on assets (ROA) | 0.3622% | 5,082 |
| Pretax return on assets | 0.5730% | 4,657 |
| Return on Equity (ROE) | 3.5456% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.5456% | 3,846 |
| Net charge-offs to loans | 0.0245% | 5,998 |
| Credit loss provision to net charge-offs | 231.7073% | 1,666 |
| Earnings coverage of net charge-offs (x) | 37.7317% | 763 |
| Efficiency ratio | 79.3706% | 2,521 |
| Assets per employee ($millions) | 5.4919% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,195 |
| Loan loss allowance to noncurrent loans | 3,063.4783% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,142 |
| Noncurrent loans to loans | 0.0342% | 7,233 |
| Net loans and leases to total assets | 63.1865% | 4,423 |
| Net loans and leases to deposits | 78.1983% | 3,931 |
| Net loans and leases to core deposits | 82.8689% | 4,302 |
| Total domestic deposits to total assets | 80.8030% | 5,469 |
| Equity capital to assets | 10.1320% | 3,853 |
| Core capital (leverage) ratio | 10.3314% | 2,788 |
| Tier 1 risk-based capital ratio | 18.4666% | 1,843 |
| Total risk-based capital ratio | 19.6765% | 1,825 |
| Memoranda: | ||
| Average total assets | $519,039,670 | 1,306 |
| Average earning assets | $493,469,330 | 1,266 |
| Average equity | $53,024,000 | 1,256 |
| Average total loans | $334,383,670 | 1,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 7,049 |
| Cost of funding earning assets | 1.5382% | 3,341 |
| Net interest margin | 2.8256% | 7,147 |
| Noninterest income to average assets | 0.1165% | 7,109 |
| Noninterest expense to average assets | 2.2666% | 6,491 |
| Loan and lease loss provision to assets | 0.0350% | 6,327 |
| Net operating income to assets | 0.3271% | 5,180 |
| Return on assets (ROA) | 0.3387% | 5,252 |
| Pretax return on assets | 0.5197% | 4,896 |
| Return on Equity (ROE) | 3.3013% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.3013% | 4,164 |
| Net charge-offs to loans | -0.0012% | 6,755 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8534% | 2,431 |
| Assets per employee ($millions) | 5.3696% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,243 |
| Loan loss allowance to noncurrent loans | 602.9160% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 7,197 |
| Noncurrent loans to loans | 0.1738% | 6,988 |
| Net loans and leases to total assets | 64.3975% | 4,243 |
| Net loans and leases to deposits | 79.6474% | 3,721 |
| Net loans and leases to core deposits | 84.7774% | 4,096 |
| Total domestic deposits to total assets | 80.8532% | 5,509 |
| Equity capital to assets | 10.3044% | 3,470 |
| Core capital (leverage) ratio | 10.4138% | 2,705 |
| Tier 1 risk-based capital ratio | 18.4611% | 1,844 |
| Total risk-based capital ratio | 19.6965% | 1,816 |
| Memoranda: | ||
| Average total assets | $514,948,000 | 1,350 |
| Average earning assets | $489,673,500 | 1,302 |
| Average equity | $52,827,000 | 1,270 |
| Average total loans | $333,247,000 | 1,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 7,078 |
| Cost of funding earning assets | 1.9580% | 3,171 |
| Net interest margin | 2.7802% | 7,093 |
| Noninterest income to average assets | 0.1331% | 7,089 |
| Noninterest expense to average assets | 2.2553% | 6,858 |
| Loan and lease loss provision to assets | 0.0734% | 6,851 |
| Net operating income to assets | 0.2854% | 4,588 |
| Return on assets (ROA) | 0.2598% | 4,775 |
| Pretax return on assets | 0.4103% | 4,467 |
| Return on Equity (ROE) | 2.5319% | 4,697 |
| Retained earnings to average equity (ytd only) | 2.5319% | 3,377 |
| Net charge-offs to loans | 0.0124% | 7,049 |
| Credit loss provision to net charge-offs | 902.4390% | 324 |
| Earnings coverage of net charge-offs (x) | 64.4146% | 419 |
| Efficiency ratio | 81.1546% | 2,718 |
| Assets per employee ($millions) | 5.4725% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,138 |
| Loan loss allowance to noncurrent loans | 421.5067% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 7,055 |
| Noncurrent loans to loans | 0.2486% | 6,801 |
| Net loans and leases to total assets | 63.6749% | 4,659 |
| Net loans and leases to deposits | 79.0582% | 4,163 |
| Net loans and leases to core deposits | 98.8105% | 4,137 |
| Total domestic deposits to total assets | 80.5418% | 5,494 |
| Equity capital to assets | 10.2129% | 3,497 |
| Core capital (leverage) ratio | 10.3982% | 2,690 |
| Tier 1 risk-based capital ratio | 18.4258% | 1,772 |
| Total risk-based capital ratio | 19.6405% | 1,738 |
| Memoranda: | ||
| Average total assets | $504,284,000 | 1,363 |
| Average earning assets | $479,921,800 | 1,315 |
| Average equity | $51,739,200 | 1,290 |
| Average total loans | $329,472,400 | 1,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 7,125 |
| Cost of funding earning assets | 2.0412% | 3,161 |
| Net interest margin | 2.7577% | 7,121 |
| Noninterest income to average assets | 0.1289% | 7,241 |
| Noninterest expense to average assets | 2.2991% | 6,710 |
| Loan and lease loss provision to assets | 0.0744% | 6,614 |
| Net operating income to assets | 0.2437% | 5,014 |
| Return on assets (ROA) | 0.2030% | 5,232 |
| Pretax return on assets | 0.3162% | 5,015 |
| Return on Equity (ROE) | 1.9764% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.9764% | 4,222 |
| Net charge-offs to loans | 0.0162% | 6,689 |
| Credit loss provision to net charge-offs | 700.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 42.7266% | 717 |
| Efficiency ratio | 83.5055% | 2,351 |
| Assets per employee ($millions) | 5.0793% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,202 |
| Loan loss allowance to noncurrent loans | 730.0216% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 7,322 |
| Noncurrent loans to loans | 0.1388% | 7,135 |
| Net loans and leases to total assets | 65.0269% | 4,646 |
| Net loans and leases to deposits | 80.9208% | 4,216 |
| Net loans and leases to core deposits | 101.9813% | 4,158 |
| Total domestic deposits to total assets | 80.3586% | 5,309 |
| Equity capital to assets | 10.1980% | 3,847 |
| Core capital (leverage) ratio | 10.3035% | 2,971 |
| Tier 1 risk-based capital ratio | 18.0467% | 1,976 |
| Total risk-based capital ratio | 19.2171% | 1,944 |
| Memoranda: | ||
| Average total assets | $501,751,000 | 1,391 |
| Average earning assets | $477,488,250 | 1,341 |
| Average equity | $51,539,750 | 1,312 |
| Average total loans | $329,084,750 | 1,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 7,143 |
| Cost of funding earning assets | 2.1204% | 3,186 |
| Net interest margin | 2.7225% | 7,158 |
| Noninterest income to average assets | 0.1317% | 7,304 |
| Noninterest expense to average assets | 2.3499% | 6,626 |
| Loan and lease loss provision to assets | 0.0680% | 6,524 |
| Net operating income to assets | 0.2001% | 5,261 |
| Return on assets (ROA) | 0.1361% | 5,561 |
| Pretax return on assets | 0.2089% | 5,444 |
| Return on Equity (ROE) | 1.3216% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.3216% | 4,603 |
| Net charge-offs to loans | 0.0256% | 6,122 |
| Credit loss provision to net charge-offs | 404.7619% | 1,145 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,226 |
| Efficiency ratio | 86.2241% | 2,208 |
| Assets per employee ($millions) | 5.2671% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,293 |
| Loan loss allowance to noncurrent loans | 699.7859% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 7,355 |
| Noncurrent loans to loans | 0.1421% | 7,162 |
| Net loans and leases to total assets | 63.6857% | 5,046 |
| Net loans and leases to deposits | 78.9928% | 4,703 |
| Net loans and leases to core deposits | 100.4368% | 4,464 |
| Total domestic deposits to total assets | 80.6221% | 5,225 |
| Equity capital to assets | 9.9693% | 3,983 |
| Core capital (leverage) ratio | 10.3444% | 2,953 |
| Tier 1 risk-based capital ratio | 17.8743% | 2,055 |
| Total risk-based capital ratio | 18.9983% | 2,031 |
| Memoranda: | ||
| Average total assets | $499,690,330 | 1,421 |
| Average earning assets | $476,041,330 | 1,361 |
| Average equity | $51,453,330 | 1,326 |
| Average total loans | $327,555,330 | 1,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 7,074 |
| Cost of funding earning assets | 2.2144% | 3,097 |
| Net interest margin | 2.7247% | 7,151 |
| Noninterest income to average assets | 0.1166% | 7,444 |
| Noninterest expense to average assets | 2.4352% | 6,074 |
| Loan and lease loss provision to assets | 0.0729% | 6,047 |
| Net operating income to assets | 0.1403% | 5,858 |
| Return on assets (ROA) | 0.1392% | 6,027 |
| Pretax return on assets | 0.2089% | 5,917 |
| Return on Equity (ROE) | 1.3304% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.3304% | 5,105 |
| Net charge-offs to loans | -0.0012% | 7,101 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5771% | 1,756 |
| Assets per employee ($millions) | 5.2773% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,228 |
| Loan loss allowance to noncurrent loans | 631.0547% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 7,282 |
| Noncurrent loans to loans | 0.1576% | 7,076 |
| Net loans and leases to total assets | 64.1628% | 4,956 |
| Net loans and leases to deposits | 80.9728% | 4,456 |
| Net loans and leases to core deposits | 103.7073% | 4,170 |
| Total domestic deposits to total assets | 79.2400% | 5,627 |
| Equity capital to assets | 10.3289% | 3,626 |
| Core capital (leverage) ratio | 10.4957% | 2,933 |
| Tier 1 risk-based capital ratio | 17.7013% | 2,128 |
| Total risk-based capital ratio | 18.8112% | 2,109 |
| Memoranda: | ||
| Average total assets | $494,080,000 | 1,436 |
| Average earning assets | $471,829,000 | 1,377 |
| Average equity | $51,713,000 | 1,322 |
| Average total loans | $327,010,500 | 1,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 7,620 |
| Cost of funding earning assets | 2.5568% | 3,918 |
| Net interest margin | 2.7244% | 7,457 |
| Noninterest income to average assets | 0.1309% | 7,456 |
| Noninterest expense to average assets | 2.0828% | 7,271 |
| Loan and lease loss provision to assets | 0.0896% | 6,263 |
| Net operating income to assets | 0.3563% | 5,325 |
| Return on assets (ROA) | 0.3589% | 5,119 |
| Pretax return on assets | 0.5562% | 4,836 |
| Return on Equity (ROE) | 3.3094% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.3094% | 3,090 |
| Net charge-offs to loans | 0.0219% | 6,542 |
| Credit loss provision to net charge-offs | 608.6957% | 702 |
| Earnings coverage of net charge-offs (x) | 43.6087% | 845 |
| Efficiency ratio | 76.4462% | 3,159 |
| Assets per employee ($millions) | 5.3497% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,382 |
| Loan loss allowance to noncurrent loans | 705.6180% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 7,213 |
| Noncurrent loans to loans | 0.1352% | 7,012 |
| Net loans and leases to total assets | 66.9603% | 4,645 |
| Net loans and leases to deposits | 85.3075% | 4,208 |
| Net loans and leases to core deposits | 108.8041% | 3,881 |
| Total domestic deposits to total assets | 78.4929% | 5,552 |
| Equity capital to assets | 10.6082% | 3,379 |
| Core capital (leverage) ratio | 10.7702% | 2,766 |
| Tier 1 risk-based capital ratio | 18.2441% | 1,977 |
| Total risk-based capital ratio | 19.3556% | 1,966 |
| Memoranda: | ||
| Average total assets | $468,886,400 | 1,472 |
| Average earning assets | $446,372,600 | 1,398 |
| Average equity | $50,854,600 | 1,329 |
| Average total loans | $315,574,200 | 1,532 |