Home > Bank of Eastern Oregon > Performance and Condition Ratios
Bank of Eastern Oregon, 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 | 5.8055% | 827 |
| Cost of funding earning assets | 0.2770% | 4,394 |
| Net interest margin | 5.5285% | 179 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 3.3998% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7550% | 658 |
| Return on assets (ROA) | 1.7550% | 627 |
| Pretax return on assets | 2.3089% | 427 |
| Return on Equity (ROE) | 21.5900% | 492 |
| Retained earnings to average equity (ytd only) | 19.5574% | 142 |
| Net charge-offs to loans | -0.0134% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.1646% | 3,170 |
| Assets per employee ($millions) | 5.7382% | 3,035 |
| Cash dividends to net income (ytd only)* | 9.4255% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 2,617 |
| Loan loss allowance to noncurrent loans | 184.0846% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 1,458 |
| Noncurrent loans to loans | 0.6177% | 1,279 |
| Net loans and leases to total assets | 60.6300% | 2,795 |
| Net loans and leases to deposits | 67.2695% | 3,088 |
| Net loans and leases to core deposits | 67.6596% | 3,419 |
| Total domestic deposits to total assets | 90.1400% | 723 |
| Equity capital to assets | 8.7992% | 2,829 |
| Core capital (leverage) ratio | 9.5803% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $852,971,200 | 1,129 |
| Average earning assets | $796,722,000 | 1,109 |
| Average equity | $69,329,200 | 1,257 |
| Average total loans | $507,649,600 | 1,219 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6615% | 838 |
| Cost of funding earning assets | 0.2453% | 4,406 |
| Net interest margin | 5.4162% | 197 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 3.4248% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6928% | 803 |
| Return on assets (ROA) | 1.6928% | 792 |
| Pretax return on assets | 2.1895% | 565 |
| Return on Equity (ROE) | 21.2700% | 615 |
| Retained earnings to average equity (ytd only) | 21.2711% | 220 |
| Net charge-offs to loans | -0.0191% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.6056% | 2,898 |
| Assets per employee ($millions) | 5.5292% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,578 |
| Loan loss allowance to noncurrent loans | 176.7360% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,422 |
| Noncurrent loans to loans | 0.6560% | 1,253 |
| Net loans and leases to total assets | 61.1900% | 2,731 |
| Net loans and leases to deposits | 67.4833% | 3,013 |
| Net loans and leases to core deposits | 67.9471% | 3,329 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 8.2920% | 2,857 |
| Core capital (leverage) ratio | 9.4565% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $851,024,250 | 1,133 |
| Average earning assets | $795,783,250 | 1,111 |
| Average equity | $67,727,000 | 1,270 |
| Average total loans | $502,588,250 | 1,227 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 940 |
| Cost of funding earning assets | 0.2080% | 4,424 |
| Net interest margin | 5.2040% | 242 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 3.3327% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6444% | 885 |
| Return on assets (ROA) | 1.6444% | 886 |
| Pretax return on assets | 2.1260% | 595 |
| Return on Equity (ROE) | 20.9500% | 619 |
| Retained earnings to average equity (ytd only) | 20.9503% | 219 |
| Net charge-offs to loans | -0.0185% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6457% | 2,876 |
| Assets per employee ($millions) | 5.3605% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,074 |
| Loan loss allowance to noncurrent loans | 112.1547% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 905 |
| Noncurrent loans to loans | 0.9566% | 792 |
| Net loans and leases to total assets | 61.6200% | 2,613 |
| Net loans and leases to deposits | 68.0834% | 2,915 |
| Net loans and leases to core deposits | 68.5107% | 3,206 |
| Total domestic deposits to total assets | 90.5100% | 779 |
| Equity capital to assets | 8.4960% | 2,869 |
| Core capital (leverage) ratio | 9.1937% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2045% | 2,217 |
| Memoranda: | ||
| Average total assets | $854,554,333 | 1,121 |
| Average earning assets | $800,807,000 | 1,100 |
| Average equity | $67,073,000 | 1,278 |
| Average total loans | $496,694,000 | 1,223 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 1,027 |
| Cost of funding earning assets | 0.1905% | 4,398 |
| Net interest margin | 4.9559% | 314 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 3.2592% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6073% | 969 |
| Return on assets (ROA) | 1.6073% | 965 |
| Pretax return on assets | 2.0088% | 766 |
| Return on Equity (ROE) | 21.3000% | 639 |
| Retained earnings to average equity (ytd only) | 21.3049% | 309 |
| Net charge-offs to loans | -0.0123% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.4581% | 2,758 |
| Assets per employee ($millions) | 5.5773% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 2,940 |
| Loan loss allowance to noncurrent loans | 113.7578% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 921 |
| Noncurrent loans to loans | 0.9877% | 740 |
| Net loans and leases to total assets | 56.1900% | 3,027 |
| Net loans and leases to deposits | 61.6030% | 3,250 |
| Net loans and leases to core deposits | 62.0105% | 3,445 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 7.9333% | 3,285 |
| Core capital (leverage) ratio | 8.6956% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9674% | 2,404 |
| Memoranda: | ||
| Average total assets | $871,752,500 | 1,120 |
| Average earning assets | $816,642,000 | 1,107 |
| Average equity | $65,769,000 | 1,305 |
| Average total loans | $489,605,000 | 1,252 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 1,623 |
| Cost of funding earning assets | 0.1192% | 4,284 |
| Net interest margin | 3.9161% | 922 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.8302% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0811% | 2,259 |
| Return on assets (ROA) | 1.0811% | 2,201 |
| Pretax return on assets | 1.4061% | 1,750 |
| Return on Equity (ROE) | 14.8200% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.9114% | 684 |
| Net charge-offs to loans | -0.0080% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.2796% | 2,196 |
| Assets per employee ($millions) | 6.0557% | 2,712 |
| Cash dividends to net income (ytd only)* | 19.6407% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,895 |
| Loan loss allowance to noncurrent loans | 104.1595% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 854 |
| Noncurrent loans to loans | 1.0556% | 685 |
| Net loans and leases to total assets | 54.9100% | 3,123 |
| Net loans and leases to deposits | 59.6651% | 3,348 |
| Net loans and leases to core deposits | 60.0509% | 3,503 |
| Total domestic deposits to total assets | 92.0300% | 632 |
| Equity capital to assets | 7.1717% | 3,567 |
| Core capital (leverage) ratio | 8.4128% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4333% | 2,595 |
| Memoranda: | ||
| Average total assets | $849,628,200 | 1,134 |
| Average earning assets | $793,678,600 | 1,120 |
| Average equity | $61,966,000 | 1,366 |
| Average total loans | $486,270,800 | 1,199 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 1,824 |
| Cost of funding earning assets | 0.1102% | 4,198 |
| Net interest margin | 3.6664% | 1,229 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.7754% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9215% | 2,786 |
| Return on assets (ROA) | 0.9215% | 2,755 |
| Pretax return on assets | 1.1924% | 2,398 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.2783% | 975 |
| Net charge-offs to loans | -0.0091% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3792% | 1,839 |
| Assets per employee ($millions) | 5.8774% | 2,870 |
| Cash dividends to net income (ytd only)* | 10.3413% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 2,993 |
| Loan loss allowance to noncurrent loans | 96.1900% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 810 |
| Noncurrent loans to loans | 1.1485% | 644 |
| Net loans and leases to total assets | 55.8600% | 2,917 |
| Net loans and leases to deposits | 60.4806% | 3,154 |
| Net loans and leases to core deposits | 60.8587% | 3,321 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 7.0755% | 3,471 |
| Core capital (leverage) ratio | 8.5444% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1896% | 2,753 |
| Memoranda: | ||
| Average total assets | $839,490,000 | 1,154 |
| Average earning assets | $784,064,000 | 1,143 |
| Average equity | $61,497,250 | 1,393 |
| Average total loans | $484,278,000 | 1,203 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 1,927 |
| Cost of funding earning assets | 0.0928% | 4,264 |
| Net interest margin | 3.4785% | 1,373 |
| Noninterest income to average assets | 0.5235% | 2,071 |
| Noninterest expense to average assets | 2.7761% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7760% | 3,045 |
| Return on assets (ROA) | 0.7760% | 3,008 |
| Pretax return on assets | 1.0003% | 2,731 |
| Return on Equity (ROE) | 10.4683% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.5165% | 1,431 |
| Net charge-offs to loans | -0.0087% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9055% | 1,640 |
| Assets per employee ($millions) | 5.5357% | 3,187 |
| Cash dividends to net income (ytd only)* | 18.6451% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,208 |
| Loan loss allowance to noncurrent loans | 84.3901% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 680 |
| Noncurrent loans to loans | 1.2882% | 614 |
| Net loans and leases to total assets | 58.9629% | 2,444 |
| Net loans and leases to deposits | 63.9421% | 2,728 |
| Net loans and leases to core deposits | 64.3586% | 2,939 |
| Total domestic deposits to total assets | 92.2128% | 755 |
| Equity capital to assets | 7.3043% | 3,597 |
| Core capital (leverage) ratio | 8.3246% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6697% | 2,891 |
| Memoranda: | ||
| Average total assets | $829,366,667 | 1,157 |
| Average earning assets | $775,572,667 | 1,160 |
| Average equity | $61,480,667 | 1,413 |
| Average total loans | $481,931,667 | 1,201 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 2,432 |
| Cost of funding earning assets | 0.0878% | 4,273 |
| Net interest margin | 3.1970% | 1,891 |
| Noninterest income to average assets | 0.4164% | 2,583 |
| Noninterest expense to average assets | 2.8301% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4537% | 3,837 |
| Return on assets (ROA) | 0.4537% | 3,803 |
| Pretax return on assets | 0.5820% | 3,685 |
| Return on Equity (ROE) | 6.0752% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.0752% | 2,229 |
| Net charge-offs to loans | -0.0135% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2761% | 961 |
| Assets per employee ($millions) | 5.4709% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,163 |
| Loan loss allowance to noncurrent loans | 80.1155% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 677 |
| Noncurrent loans to loans | 1.4200% | 599 |
| Net loans and leases to total assets | 56.5465% | 2,477 |
| Net loans and leases to deposits | 61.3041% | 2,774 |
| Net loans and leases to core deposits | 61.7051% | 2,999 |
| Total domestic deposits to total assets | 92.2394% | 492 |
| Equity capital to assets | 7.3567% | 4,014 |
| Core capital (leverage) ratio | 8.0471% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0097% | 2,889 |
| Memoranda: | ||
| Average total assets | $826,105,500 | 1,164 |
| Average earning assets | $774,090,500 | 1,163 |
| Average equity | $61,693,000 | 1,448 |
| Average total loans | $473,757,000 | 1,211 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 803 |
| Cost of funding earning assets | 0.1037% | 4,357 |
| Net interest margin | 4.2306% | 465 |
| Noninterest income to average assets | 0.4963% | 2,586 |
| Noninterest expense to average assets | 3.0086% | 966 |
| Loan and lease loss provision to assets | 0.1138% | 1,105 |
| Net operating income to assets | 1.0063% | 2,645 |
| Return on assets (ROA) | 1.0063% | 2,716 |
| Pretax return on assets | 1.3266% | 2,277 |
| Return on Equity (ROE) | 13.0053% | 1,467 |
| Retained earnings to average equity (ytd only) | 10.8970% | 722 |
| Net charge-offs to loans | 0.0928% | 900 |
| Credit loss provision to net charge-offs | 183.8074% | 1,352 |
| Earnings coverage of net charge-offs (x) | 23.2626% | 1,783 |
| Efficiency ratio | 67.0484% | 2,117 |
| Assets per employee ($millions) | 5.3636% | 3,400 |
| Cash dividends to net income (ytd only)* | 16.2111% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,159 |
| Loan loss allowance to noncurrent loans | 79.7723% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 717 |
| Noncurrent loans to loans | 1.4332% | 646 |
| Net loans and leases to total assets | 56.8439% | 2,496 |
| Net loans and leases to deposits | 61.8767% | 2,892 |
| Net loans and leases to core deposits | 62.2282% | 3,141 |
| Total domestic deposits to total assets | 91.8664% | 217 |
| Equity capital to assets | 7.5806% | 4,558 |
| Core capital (leverage) ratio | 8.1026% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3346% | 2,813 |
| Memoranda: | ||
| Average total assets | $738,060,600 | 1,237 |
| Average earning assets | $689,577,800 | 1,235 |
| Average equity | $57,107,600 | 1,579 |
| Average total loans | $492,260,400 | 1,183 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 580 |
| Cost of funding earning assets | 0.1073% | 4,445 |
| Net interest margin | 4.4858% | 321 |
| Noninterest income to average assets | 0.5220% | 2,530 |
| Noninterest expense to average assets | 3.0862% | 839 |
| Loan and lease loss provision to assets | 0.1004% | 1,200 |
| Net operating income to assets | 1.1279% | 2,445 |
| Return on assets (ROA) | 1.1279% | 2,510 |
| Pretax return on assets | 1.5213% | 1,934 |
| Return on Equity (ROE) | 14.4931% | 1,262 |
| Retained earnings to average equity (ytd only) | 14.4931% | 462 |
| Net charge-offs to loans | 0.1308% | 618 |
| Credit loss provision to net charge-offs | 110.6557% | 1,514 |
| Earnings coverage of net charge-offs (x) | 17.8811% | 1,801 |
| Efficiency ratio | 64.9929% | 2,247 |
| Assets per employee ($millions) | 5.1039% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,598 |
| Loan loss allowance to noncurrent loans | 73.5619% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 773 |
| Noncurrent loans to loans | 1.4491% | 732 |
| Net loans and leases to total assets | 60.9831% | 2,136 |
| Net loans and leases to deposits | 66.4556% | 2,587 |
| Net loans and leases to core deposits | 66.8531% | 2,876 |
| Total domestic deposits to total assets | 91.7652% | 175 |
| Equity capital to assets | 7.6733% | 4,661 |
| Core capital (leverage) ratio | 8.4599% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3694% | 3,052 |
| Memoranda: | ||
| Average total assets | $717,418,250 | 1,285 |
| Average earning assets | $669,446,750 | 1,279 |
| Average equity | $55,832,250 | 1,627 |
| Average total loans | $497,357,250 | 1,188 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 862 |
| Cost of funding earning assets | 0.1112% | 4,499 |
| Net interest margin | 4.2813% | 506 |
| Noninterest income to average assets | 0.5394% | 2,448 |
| Noninterest expense to average assets | 3.1132% | 823 |
| Loan and lease loss provision to assets | 0.0686% | 1,678 |
| Net operating income to assets | 0.9962% | 2,899 |
| Return on assets (ROA) | 0.9962% | 2,982 |
| Pretax return on assets | 1.3535% | 2,465 |
| Return on Equity (ROE) | 12.7351% | 1,812 |
| Retained earnings to average equity (ytd only) | 12.7351% | 770 |
| Net charge-offs to loans | 0.2044% | 421 |
| Credit loss provision to net charge-offs | 46.5116% | 1,621 |
| Earnings coverage of net charge-offs (x) | 9.6415% | 1,825 |
| Efficiency ratio | 68.0449% | 1,877 |
| Assets per employee ($millions) | 4.6912% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,026 |
| Loan loss allowance to noncurrent loans | 67.7779% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 789 |
| Noncurrent loans to loans | 1.3869% | 839 |
| Net loans and leases to total assets | 69.0963% | 1,312 |
| Net loans and leases to deposits | 75.4065% | 1,878 |
| Net loans and leases to core deposits | 75.8877% | 2,249 |
| Total domestic deposits to total assets | 91.6318% | 210 |
| Equity capital to assets | 7.8301% | 4,618 |
| Core capital (leverage) ratio | 8.2758% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $699,663,000 | 1,304 |
| Average earning assets | $653,027,667 | 1,298 |
| Average equity | $54,730,667 | 1,651 |
| Average total loans | $504,792,667 | 1,176 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 1,258 |
| Cost of funding earning assets | 0.1144% | 4,556 |
| Net interest margin | 4.0530% | 783 |
| Noninterest income to average assets | 0.5294% | 2,483 |
| Noninterest expense to average assets | 3.1174% | 819 |
| Loan and lease loss provision to assets | 0.0697% | 1,767 |
| Net operating income to assets | 0.8537% | 3,258 |
| Return on assets (ROA) | 0.8537% | 3,341 |
| Pretax return on assets | 1.1513% | 2,983 |
| Return on Equity (ROE) | 10.9195% | 2,390 |
| Retained earnings to average equity (ytd only) | 10.9195% | 1,422 |
| Net charge-offs to loans | -0.0063% | 3,488 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2257% | 1,578 |
| Assets per employee ($millions) | 4.5823% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,834 |
| Loan loss allowance to noncurrent loans | 62.7748% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1528% | 658 |
| Noncurrent loans to loans | 1.5938% | 765 |
| Net loans and leases to total assets | 71.6087% | 1,079 |
| Net loans and leases to deposits | 77.9900% | 1,716 |
| Net loans and leases to core deposits | 78.4938% | 2,142 |
| Total domestic deposits to total assets | 91.8178% | 183 |
| Equity capital to assets | 7.6806% | 4,645 |
| Core capital (leverage) ratio | 8.1712% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $688,272,000 | 1,304 |
| Average earning assets | $646,827,500 | 1,298 |
| Average equity | $53,812,000 | 1,657 |
| Average total loans | $505,229,000 | 1,177 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 484 |
| Cost of funding earning assets | 0.1916% | 4,606 |
| Net interest margin | 4.8103% | 170 |
| Noninterest income to average assets | 0.4689% | 2,778 |
| Noninterest expense to average assets | 3.5693% | 631 |
| Loan and lease loss provision to assets | 0.1171% | 2,891 |
| Net operating income to assets | 1.0011% | 2,289 |
| Return on assets (ROA) | 1.0011% | 2,431 |
| Pretax return on assets | 1.2645% | 2,104 |
| Return on Equity (ROE) | 11.7746% | 1,386 |
| Retained earnings to average equity (ytd only) | 8.5327% | 899 |
| Net charge-offs to loans | -0.0029% | 4,035 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4551% | 1,753 |
| Assets per employee ($millions) | 4.3835% | 4,024 |
| Cash dividends to net income (ytd only)* | 27.5326% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,833 |
| Loan loss allowance to noncurrent loans | 53.5985% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 545 |
| Noncurrent loans to loans | 1.8826% | 638 |
| Net loans and leases to total assets | 73.7970% | 1,051 |
| Net loans and leases to deposits | 80.6913% | 1,793 |
| Net loans and leases to core deposits | 81.2144% | 2,256 |
| Total domestic deposits to total assets | 91.4560% | 139 |
| Equity capital to assets | 7.9653% | 4,723 |
| Core capital (leverage) ratio | 8.6133% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,561,600 | 1,334 |
| Average earning assets | $556,787,000 | 1,331 |
| Average equity | $50,804,400 | 1,670 |
| Average total loans | $480,633,800 | 1,178 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 547 |
| Cost of funding earning assets | 0.2133% | 4,625 |
| Net interest margin | 4.8470% | 185 |
| Noninterest income to average assets | 0.4556% | 2,817 |
| Noninterest expense to average assets | 3.5337% | 678 |
| Loan and lease loss provision to assets | 0.1608% | 2,392 |
| Net operating income to assets | 0.9869% | 2,383 |
| Return on assets (ROA) | 0.9869% | 2,519 |
| Pretax return on assets | 1.2713% | 2,153 |
| Return on Equity (ROE) | 11.4016% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.0746% | 750 |
| Net charge-offs to loans | -0.0039% | 3,999 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5033% | 1,820 |
| Assets per employee ($millions) | 4.6187% | 3,702 |
| Cash dividends to net income (ytd only)* | 11.6387% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,855 |
| Loan loss allowance to noncurrent loans | 48.1830% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 567 |
| Noncurrent loans to loans | 1.9877% | 611 |
| Net loans and leases to total assets | 74.8108% | 1,267 |
| Net loans and leases to deposits | 93.7194% | 943 |
| Net loans and leases to core deposits | 94.3085% | 1,612 |
| Total domestic deposits to total assets | 79.8243% | 3,898 |
| Equity capital to assets | 7.5846% | 4,839 |
| Core capital (leverage) ratio | 9.1073% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $580,379,250 | 1,347 |
| Average earning assets | $540,056,750 | 1,351 |
| Average equity | $50,237,500 | 1,676 |
| Average total loans | $476,613,500 | 1,181 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 459 |
| Cost of funding earning assets | 0.2323% | 4,677 |
| Net interest margin | 5.0970% | 171 |
| Noninterest income to average assets | 0.5054% | 2,540 |
| Noninterest expense to average assets | 3.7535% | 532 |
| Loan and lease loss provision to assets | 0.1474% | 2,539 |
| Net operating income to assets | 1.0138% | 2,273 |
| Return on assets (ROA) | 1.0138% | 2,398 |
| Pretax return on assets | 1.3325% | 1,926 |
| Return on Equity (ROE) | 11.1265% | 1,593 |
| Retained earnings to average equity (ytd only) | 9.1049% | 979 |
| Net charge-offs to loans | -0.0061% | 4,069 |
| Credit loss provision to net charge-offs | -2,857.1429% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0615% | 1,816 |
| Assets per employee ($millions) | 4.4030% | 3,911 |
| Cash dividends to net income (ytd only)* | 18.1686% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 3,987 |
| Loan loss allowance to noncurrent loans | 44.7239% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 479 |
| Noncurrent loans to loans | 2.0199% | 665 |
| Net loans and leases to total assets | 79.3391% | 681 |
| Net loans and leases to deposits | 98.0675% | 650 |
| Net loans and leases to core deposits | 98.6560% | 1,358 |
| Total domestic deposits to total assets | 80.9026% | 3,632 |
| Equity capital to assets | 7.8302% | 4,797 |
| Core capital (leverage) ratio | 9.4113% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,901,667 | 1,413 |
| Average earning assets | $503,590,667 | 1,411 |
| Average equity | $49,467,667 | 1,684 |
| Average total loans | $461,048,000 | 1,191 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8151% | 211 |
| Cost of funding earning assets | 0.2593% | 4,752 |
| Net interest margin | 5.5558% | 82 |
| Noninterest income to average assets | 0.5912% | 2,074 |
| Noninterest expense to average assets | 4.2691% | 386 |
| Loan and lease loss provision to assets | 0.1228% | 2,159 |
| Net operating income to assets | 0.9981% | 2,178 |
| Return on assets (ROA) | 0.9981% | 2,285 |
| Pretax return on assets | 1.3215% | 1,810 |
| Return on Equity (ROE) | 10.0146% | 1,745 |
| Retained earnings to average equity (ytd only) | 9.1930% | 918 |
| Net charge-offs to loans | -0.0121% | 4,140 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0470% | 1,808 |
| Assets per employee ($millions) | 3.3042% | 4,636 |
| Cash dividends to net income (ytd only)* | 8.2034% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,481 |
| Loan loss allowance to noncurrent loans | 41.8810% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.3804% | 302 |
| Noncurrent loans to loans | 2.4891% | 487 |
| Net loans and leases to total assets | 87.2039% | 89 |
| Net loans and leases to deposits | 97.7691% | 744 |
| Net loans and leases to core deposits | 98.4268% | 1,595 |
| Total domestic deposits to total assets | 89.1938% | 586 |
| Equity capital to assets | 10.2458% | 3,562 |
| Core capital (leverage) ratio | 9.8854% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7811% | 3,356 |
| Memoranda: | ||
| Average total assets | $488,531,000 | 1,493 |
| Average earning assets | $450,416,000 | 1,492 |
| Average equity | $48,689,000 | 1,703 |
| Average total loans | $430,711,500 | 1,222 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 364 |
| Cost of funding earning assets | 0.3187% | 4,687 |
| Net interest margin | 5.4283% | 128 |
| Noninterest income to average assets | 0.7286% | 1,710 |
| Noninterest expense to average assets | 4.1644% | 439 |
| Loan and lease loss provision to assets | 0.2408% | 779 |
| Net operating income to assets | 1.0018% | 2,843 |
| Return on assets (ROA) | 1.0018% | 2,926 |
| Pretax return on assets | 1.2740% | 2,598 |
| Return on Equity (ROE) | 10.2994% | 2,159 |
| Retained earnings to average equity (ytd only) | 7.9633% | 993 |
| Net charge-offs to loans | 0.0992% | 1,733 |
| Credit loss provision to net charge-offs | 297.0822% | 942 |
| Earnings coverage of net charge-offs (x) | 18.6897% | 2,046 |
| Efficiency ratio | 72.6615% | 1,777 |
| Assets per employee ($millions) | 3.3425% | 4,614 |
| Cash dividends to net income (ytd only)* | 22.6824% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,566 |
| Loan loss allowance to noncurrent loans | 36.2547% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.6067% | 239 |
| Noncurrent loans to loans | 2.7353% | 379 |
| Net loans and leases to total assets | 87.3314% | 107 |
| Net loans and leases to deposits | 97.4012% | 807 |
| Net loans and leases to core deposits | 98.0433% | 1,720 |
| Total domestic deposits to total assets | 89.6615% | 444 |
| Equity capital to assets | 9.6902% | 4,187 |
| Core capital (leverage) ratio | 9.4524% | 4,109 |
| Tier 1 risk-based capital ratio | 9.3965% | 5,159 |
| Total risk-based capital ratio | 10.2890% | 5,162 |
| Memoranda: | ||
| Average total assets | $465,159,800 | 1,509 |
| Average earning assets | $424,221,400 | 1,527 |
| Average equity | $45,245,200 | 1,752 |
| Average total loans | $379,867,800 | 1,325 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 371 |
| Cost of funding earning assets | 0.3216% | 4,744 |
| Net interest margin | 5.4479% | 131 |
| Noninterest income to average assets | 0.7163% | 1,720 |
| Noninterest expense to average assets | 4.1629% | 431 |
| Loan and lease loss provision to assets | 0.2965% | 501 |
| Net operating income to assets | 0.9466% | 3,181 |
| Return on assets (ROA) | 0.9466% | 3,255 |
| Pretax return on assets | 1.2059% | 2,964 |
| Return on Equity (ROE) | 9.7221% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.4531% | 1,223 |
| Net charge-offs to loans | 0.1357% | 1,184 |
| Credit loss provision to net charge-offs | 273.4584% | 1,017 |
| Earnings coverage of net charge-offs (x) | 13.8552% | 2,267 |
| Efficiency ratio | 73.0590% | 1,693 |
| Assets per employee ($millions) | 3.3524% | 4,626 |
| Cash dividends to net income (ytd only)* | 13.0528% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,366 |
| Loan loss allowance to noncurrent loans | 34.8656% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.6940% | 227 |
| Noncurrent loans to loans | 2.9707% | 337 |
| Net loans and leases to total assets | 83.1684% | 432 |
| Net loans and leases to deposits | 92.8600% | 1,333 |
| Net loans and leases to core deposits | 93.4707% | 2,225 |
| Total domestic deposits to total assets | 89.5633% | 426 |
| Equity capital to assets | 9.7239% | 4,271 |
| Core capital (leverage) ratio | 9.3489% | 4,329 |
| Tier 1 risk-based capital ratio | 9.7181% | 5,217 |
| Total risk-based capital ratio | 10.6358% | 5,227 |
| Memoranda: | ||
| Average total assets | $458,612,250 | 1,533 |
| Average earning assets | $416,618,250 | 1,565 |
| Average equity | $44,653,250 | 1,772 |
| Average total loans | $366,484,500 | 1,377 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 375 |
| Cost of funding earning assets | 0.2766% | 4,883 |
| Net interest margin | 5.4553% | 135 |
| Noninterest income to average assets | 0.6774% | 1,802 |
| Noninterest expense to average assets | 4.1920% | 419 |
| Loan and lease loss provision to assets | 0.3862% | 320 |
| Net operating income to assets | 0.8647% | 3,414 |
| Return on assets (ROA) | 0.8647% | 3,479 |
| Pretax return on assets | 1.0631% | 3,344 |
| Return on Equity (ROE) | 8.8767% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.9400% | 1,837 |
| Net charge-offs to loans | 0.1890% | 878 |
| Credit loss provision to net charge-offs | 260.4790% | 989 |
| Earnings coverage of net charge-offs (x) | 9.7754% | 2,317 |
| Efficiency ratio | 73.6722% | 1,676 |
| Assets per employee ($millions) | 3.3291% | 4,677 |
| Cash dividends to net income (ytd only)* | 21.8172% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,311 |
| Loan loss allowance to noncurrent loans | 32.9734% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.8558% | 224 |
| Noncurrent loans to loans | 3.1985% | 301 |
| Net loans and leases to total assets | 81.7866% | 642 |
| Net loans and leases to deposits | 90.9967% | 1,630 |
| Net loans and leases to core deposits | 91.6073% | 2,450 |
| Total domestic deposits to total assets | 89.8786% | 367 |
| Equity capital to assets | 9.5439% | 4,364 |
| Core capital (leverage) ratio | 9.6261% | 4,003 |
| Tier 1 risk-based capital ratio | 9.6906% | 5,259 |
| Total risk-based capital ratio | 10.6277% | 5,271 |
| Memoranda: | ||
| Average total assets | $450,567,330 | 1,564 |
| Average earning assets | $409,984,000 | 1,593 |
| Average equity | $43,890,330 | 1,796 |
| Average total loans | $353,414,330 | 1,419 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8486% | 282 |
| Cost of funding earning assets | 0.2762% | 4,915 |
| Net interest margin | 5.5724% | 105 |
| Noninterest income to average assets | 0.6084% | 2,010 |
| Noninterest expense to average assets | 4.1945% | 406 |
| Loan and lease loss provision to assets | 0.1088% | 1,635 |
| Net operating income to assets | 1.0908% | 2,507 |
| Return on assets (ROA) | 1.0908% | 2,551 |
| Pretax return on assets | 1.3719% | 2,183 |
| Return on Equity (ROE) | 11.0784% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.1646% | 1,976 |
| Net charge-offs to loans | -0.3094% | 5,219 |
| Credit loss provision to net charge-offs | -46.1538% | 3,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3664% | 1,831 |
| Assets per employee ($millions) | 3.7422% | 4,286 |
| Cash dividends to net income (ytd only)* | 35.3283% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 2,890 |
| Loan loss allowance to noncurrent loans | 79.3868% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 838 |
| Noncurrent loans to loans | 1.4411% | 1,121 |
| Net loans and leases to total assets | 72.7090% | 2,043 |
| Net loans and leases to deposits | 80.7053% | 2,761 |
| Net loans and leases to core deposits | 81.2453% | 3,246 |
| Total domestic deposits to total assets | 90.0920% | 417 |
| Equity capital to assets | 9.3793% | 4,358 |
| Core capital (leverage) ratio | 9.3989% | 4,255 |
| Tier 1 risk-based capital ratio | 10.6963% | 5,113 |
| Total risk-based capital ratio | 11.7099% | 5,100 |
| Memoranda: | ||
| Average total assets | $441,150,500 | 1,596 |
| Average earning assets | $401,123,000 | 1,629 |
| Average equity | $43,436,000 | 1,801 |
| Average total loans | $336,122,000 | 1,493 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 419 |
| Cost of funding earning assets | 0.2268% | 4,899 |
| Net interest margin | 5.2547% | 173 |
| Noninterest income to average assets | 0.6765% | 1,940 |
| Noninterest expense to average assets | 3.7920% | 692 |
| Loan and lease loss provision to assets | 0.3212% | 497 |
| Net operating income to assets | 1.0651% | 2,737 |
| Return on assets (ROA) | 1.0651% | 2,720 |
| Pretax return on assets | 1.3601% | 2,271 |
| Return on Equity (ROE) | 10.3563% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.2484% | 2,064 |
| Net charge-offs to loans | 0.3260% | 592 |
| Credit loss provision to net charge-offs | 122.4105% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.4077% | 3,092 |
| Efficiency ratio | 69.1374% | 2,358 |
| Assets per employee ($millions) | 3.5129% | 4,535 |
| Cash dividends to net income (ytd only)* | 39.6660% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,204 |
| Loan loss allowance to noncurrent loans | 70.1657% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6674% | 652 |
| Noncurrent loans to loans | 1.5442% | 969 |
| Net loans and leases to total assets | 78.3153% | 1,224 |
| Net loans and leases to deposits | 88.1654% | 2,024 |
| Net loans and leases to core deposits | 88.7613% | 2,675 |
| Total domestic deposits to total assets | 88.8278% | 936 |
| Equity capital to assets | 10.3728% | 3,306 |
| Core capital (leverage) ratio | 10.3609% | 3,189 |
| Tier 1 risk-based capital ratio | 11.3427% | 4,799 |
| Total risk-based capital ratio | 12.3049% | 4,843 |
| Memoranda: | ||
| Average total assets | $404,749,800 | 1,696 |
| Average earning assets | $369,478,200 | 1,725 |
| Average equity | $41,626,800 | 1,795 |
| Average total loans | $325,724,800 | 1,496 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 412 |
| Cost of funding earning assets | 0.2192% | 4,945 |
| Net interest margin | 5.2189% | 176 |
| Noninterest income to average assets | 0.6794% | 1,943 |
| Noninterest expense to average assets | 3.8242% | 649 |
| Loan and lease loss provision to assets | 0.2817% | 536 |
| Net operating income to assets | 1.0300% | 2,963 |
| Return on assets (ROA) | 1.0300% | 2,975 |
| Pretax return on assets | 1.3465% | 2,442 |
| Return on Equity (ROE) | 10.0375% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.7639% | 1,764 |
| Net charge-offs to loans | 0.0041% | 3,314 |
| Credit loss provision to net charge-offs | 8,500.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 491.4104% | 191 |
| Efficiency ratio | 69.9915% | 2,188 |
| Assets per employee ($millions) | 3.4015% | 4,683 |
| Cash dividends to net income (ytd only)* | 22.6511% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,269 |
| Loan loss allowance to noncurrent loans | 44.3142% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.7972% | 284 |
| Noncurrent loans to loans | 2.8607% | 402 |
| Net loans and leases to total assets | 80.6815% | 914 |
| Net loans and leases to deposits | 90.9924% | 1,756 |
| Net loans and leases to core deposits | 91.6797% | 2,512 |
| Total domestic deposits to total assets | 88.6684% | 970 |
| Equity capital to assets | 10.6360% | 3,008 |
| Core capital (leverage) ratio | 10.4845% | 3,100 |
| Tier 1 risk-based capital ratio | 11.3381% | 4,879 |
| Total risk-based capital ratio | 12.4673% | 4,839 |
| Memoranda: | ||
| Average total assets | $402,305,250 | 1,710 |
| Average earning assets | $367,933,250 | 1,738 |
| Average equity | $41,284,000 | 1,811 |
| Average total loans | $325,107,250 | 1,506 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 470 |
| Cost of funding earning assets | 0.2147% | 4,949 |
| Net interest margin | 5.0855% | 215 |
| Noninterest income to average assets | 0.7109% | 1,830 |
| Noninterest expense to average assets | 3.7515% | 712 |
| Loan and lease loss provision to assets | 0.4222% | 284 |
| Net operating income to assets | 0.8942% | 3,481 |
| Return on assets (ROA) | 0.8942% | 3,491 |
| Pretax return on assets | 1.1957% | 2,960 |
| Return on Equity (ROE) | 8.8202% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.3705% | 2,894 |
| Net charge-offs to loans | -0.0105% | 4,336 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7197% | 2,364 |
| Assets per employee ($millions) | 3.4204% | 4,695 |
| Cash dividends to net income (ytd only)* | 39.1111% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,412 |
| Loan loss allowance to noncurrent loans | 51.8973% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.4828% | 354 |
| Noncurrent loans to loans | 2.4161% | 546 |
| Net loans and leases to total assets | 82.3565% | 671 |
| Net loans and leases to deposits | 92.5186% | 1,519 |
| Net loans and leases to core deposits | 93.2149% | 2,292 |
| Total domestic deposits to total assets | 89.0161% | 926 |
| Equity capital to assets | 10.3549% | 3,273 |
| Core capital (leverage) ratio | 10.2864% | 3,251 |
| Tier 1 risk-based capital ratio | 10.9842% | 5,060 |
| Total risk-based capital ratio | 12.1191% | 5,012 |
| Memoranda: | ||
| Average total assets | $402,616,330 | 1,715 |
| Average earning assets | $368,809,670 | 1,740 |
| Average equity | $40,815,330 | 1,831 |
| Average total loans | $324,146,000 | 1,504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 502 |
| Cost of funding earning assets | 0.2042% | 4,993 |
| Net interest margin | 4.9808% | 234 |
| Noninterest income to average assets | 0.6745% | 1,937 |
| Noninterest expense to average assets | 3.8046% | 676 |
| Loan and lease loss provision to assets | 0.2972% | 437 |
| Net operating income to assets | 0.8350% | 3,576 |
| Return on assets (ROA) | 0.8350% | 3,590 |
| Pretax return on assets | 1.1391% | 3,005 |
| Return on Equity (ROE) | 8.3252% | 3,232 |
| Retained earnings to average equity (ytd only) | 1.8665% | 4,395 |
| Net charge-offs to loans | -0.0363% | 4,827 |
| Credit loss provision to net charge-offs | -1,034.4828% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4438% | 2,128 |
| Assets per employee ($millions) | 3.3616% | 4,834 |
| Cash dividends to net income (ytd only)* | 77.5801% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,078 |
| Loan loss allowance to noncurrent loans | 48.6851% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 2.3806% | 408 |
| Noncurrent loans to loans | 2.3669% | 598 |
| Net loans and leases to total assets | 79.5401% | 1,007 |
| Net loans and leases to deposits | 89.4074% | 1,760 |
| Net loans and leases to core deposits | 97.2111% | 1,890 |
| Total domestic deposits to total assets | 88.9637% | 1,108 |
| Equity capital to assets | 10.3079% | 3,271 |
| Core capital (leverage) ratio | 10.1526% | 3,352 |
| Tier 1 risk-based capital ratio | 11.1704% | 5,044 |
| Total risk-based capital ratio | 12.2015% | 5,061 |
| Memoranda: | ||
| Average total assets | $403,831,000 | 1,716 |
| Average earning assets | $370,224,000 | 1,740 |
| Average equity | $40,503,500 | 1,850 |
| Average total loans | $319,336,500 | 1,523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 357 |
| Cost of funding earning assets | 0.1885% | 5,035 |
| Net interest margin | 5.1228% | 187 |
| Noninterest income to average assets | 0.6142% | 2,383 |
| Noninterest expense to average assets | 3.6952% | 800 |
| Loan and lease loss provision to assets | 0.1521% | 1,482 |
| Net operating income to assets | 0.8624% | 2,907 |
| Return on assets (ROA) | 0.8624% | 2,927 |
| Pretax return on assets | 1.4300% | 1,883 |
| Return on Equity (ROE) | 8.5433% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.1883% | 2,012 |
| Net charge-offs to loans | 0.2345% | 1,105 |
| Credit loss provision to net charge-offs | 80.3213% | 2,938 |
| Earnings coverage of net charge-offs (x) | 8.3548% | 2,924 |
| Efficiency ratio | 69.8674% | 2,575 |
| Assets per employee ($millions) | 3.5415% | 4,647 |
| Cash dividends to net income (ytd only)* | 39.2710% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,747 |
| Loan loss allowance to noncurrent loans | 38.3229% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5413% | 366 |
| Noncurrent loans to loans | 2.6873% | 463 |
| Net loans and leases to total assets | 76.9561% | 1,441 |
| Net loans and leases to deposits | 86.0332% | 2,256 |
| Net loans and leases to core deposits | 96.9383% | 1,951 |
| Total domestic deposits to total assets | 89.4493% | 797 |
| Equity capital to assets | 9.7659% | 3,949 |
| Core capital (leverage) ratio | 9.8975% | 3,587 |
| Tier 1 risk-based capital ratio | 11.1932% | 5,039 |
| Total risk-based capital ratio | 12.1302% | 5,107 |
| Memoranda: | ||
| Average total assets | $394,483,400 | 1,725 |
| Average earning assets | $359,080,600 | 1,756 |
| Average equity | $39,820,600 | 1,866 |
| Average total loans | $318,509,800 | 1,488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 336 |
| Cost of funding earning assets | 0.1804% | 5,136 |
| Net interest margin | 5.1275% | 183 |
| Noninterest income to average assets | 0.6199% | 2,363 |
| Noninterest expense to average assets | 3.7283% | 744 |
| Loan and lease loss provision to assets | 0.1711% | 1,178 |
| Net operating income to assets | 0.8879% | 3,084 |
| Return on assets (ROA) | 0.8879% | 3,139 |
| Pretax return on assets | 1.3702% | 2,218 |
| Return on Equity (ROE) | 8.7207% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.4264% | 1,474 |
| Net charge-offs to loans | -0.0701% | 5,279 |
| Credit loss provision to net charge-offs | -299.4012% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5943% | 2,438 |
| Assets per employee ($millions) | 3.4789% | 4,755 |
| Cash dividends to net income (ytd only)* | 14.8419% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,654 |
| Loan loss allowance to noncurrent loans | 34.6761% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 3.2063% | 270 |
| Noncurrent loans to loans | 3.5986% | 299 |
| Net loans and leases to total assets | 81.0284% | 836 |
| Net loans and leases to deposits | 90.9960% | 1,689 |
| Net loans and leases to core deposits | 101.9006% | 1,553 |
| Total domestic deposits to total assets | 89.0461% | 859 |
| Equity capital to assets | 10.0707% | 3,832 |
| Core capital (leverage) ratio | 10.1675% | 3,356 |
| Tier 1 risk-based capital ratio | 10.8279% | 5,331 |
| Total risk-based capital ratio | 11.9574% | 5,295 |
| Memoranda: | ||
| Average total assets | $389,516,250 | 1,766 |
| Average earning assets | $353,226,250 | 1,798 |
| Average equity | $39,659,500 | 1,890 |
| Average total loans | $317,590,500 | 1,496 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 365 |
| Cost of funding earning assets | 0.1737% | 5,181 |
| Net interest margin | 5.0671% | 197 |
| Noninterest income to average assets | 0.6086% | 2,415 |
| Noninterest expense to average assets | 3.7450% | 721 |
| Loan and lease loss provision to assets | 0.1039% | 1,948 |
| Net operating income to assets | 0.8866% | 2,980 |
| Return on assets (ROA) | 0.8866% | 3,040 |
| Pretax return on assets | 1.3528% | 2,198 |
| Return on Equity (ROE) | 8.6748% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,731 |
| Net charge-offs to loans | -0.2696% | 5,622 |
| Credit loss provision to net charge-offs | -47.3934% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8353% | 2,370 |
| Assets per employee ($millions) | 3.3531% | 4,919 |
| Cash dividends to net income (ytd only)* | 22.5674% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,667 |
| Loan loss allowance to noncurrent loans | 29.6848% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.7382% | 196 |
| Noncurrent loans to loans | 4.2241% | 215 |
| Net loans and leases to total assets | 81.3445% | 765 |
| Net loans and leases to deposits | 91.2714% | 1,574 |
| Net loans and leases to core deposits | 102.2349% | 1,490 |
| Total domestic deposits to total assets | 89.1237% | 902 |
| Equity capital to assets | 10.1135% | 3,778 |
| Core capital (leverage) ratio | 10.3217% | 3,116 |
| Tier 1 risk-based capital ratio | 11.0810% | 5,207 |
| Total risk-based capital ratio | 12.2281% | 5,163 |
| Memoranda: | ||
| Average total assets | $384,836,670 | 1,786 |
| Average earning assets | $348,840,000 | 1,820 |
| Average equity | $39,332,330 | 1,901 |
| Average total loans | $313,078,670 | 1,519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 373 |
| Cost of funding earning assets | 0.1647% | 5,269 |
| Net interest margin | 5.0492% | 207 |
| Noninterest income to average assets | 0.6041% | 2,392 |
| Noninterest expense to average assets | 3.8174% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9204% | 2,664 |
| Return on assets (ROA) | 0.9204% | 2,718 |
| Pretax return on assets | 1.4074% | 1,864 |
| Return on Equity (ROE) | 8.9560% | 2,445 |
| Retained earnings to average equity (ytd only) | 7.0581% | 1,827 |
| Net charge-offs to loans | -0.1565% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9015% | 2,422 |
| Assets per employee ($millions) | 3.1927% | 5,172 |
| Cash dividends to net income (ytd only)* | 21.1913% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,333 |
| Loan loss allowance to noncurrent loans | 45.5527% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.3605% | 512 |
| Noncurrent loans to loans | 2.5587% | 603 |
| Net loans and leases to total assets | 80.6900% | 736 |
| Net loans and leases to deposits | 90.9009% | 1,437 |
| Net loans and leases to core deposits | 97.6954% | 1,682 |
| Total domestic deposits to total assets | 88.7670% | 1,282 |
| Equity capital to assets | 10.4404% | 3,248 |
| Core capital (leverage) ratio | 10.2945% | 3,118 |
| Tier 1 risk-based capital ratio | 11.5061% | 5,022 |
| Total risk-based capital ratio | 12.5836% | 5,029 |
| Memoranda: | ||
| Average total assets | $379,420,500 | 1,818 |
| Average earning assets | $347,225,000 | 1,839 |
| Average equity | $38,990,500 | 1,919 |
| Average total loans | $306,647,000 | 1,549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 314 |
| Cost of funding earning assets | 0.1945% | 5,069 |
| Net interest margin | 5.1730% | 177 |
| Noninterest income to average assets | 0.6104% | 2,610 |
| Noninterest expense to average assets | 3.7494% | 826 |
| Loan and lease loss provision to assets | 0.0963% | 2,440 |
| Net operating income to assets | 1.0187% | 2,267 |
| Return on assets (ROA) | 1.0187% | 2,370 |
| Pretax return on assets | 1.5009% | 1,579 |
| Return on Equity (ROE) | 9.8101% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.0207% | 1,691 |
| Net charge-offs to loans | 0.0320% | 3,384 |
| Credit loss provision to net charge-offs | 372.3404% | 841 |
| Earnings coverage of net charge-offs (x) | 61.7447% | 869 |
| Efficiency ratio | 69.8286% | 2,929 |
| Assets per employee ($millions) | 3.3518% | 4,977 |
| Cash dividends to net income (ytd only)* | 38.6278% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,526 |
| Loan loss allowance to noncurrent loans | 39.4827% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.5645% | 458 |
| Noncurrent loans to loans | 2.8706% | 490 |
| Net loans and leases to total assets | 79.1028% | 1,029 |
| Net loans and leases to deposits | 88.8389% | 1,826 |
| Net loans and leases to core deposits | 95.6028% | 1,955 |
| Total domestic deposits to total assets | 89.0407% | 1,097 |
| Equity capital to assets | 10.1146% | 3,589 |
| Core capital (leverage) ratio | 9.9248% | 3,598 |
| Tier 1 risk-based capital ratio | 11.4547% | 5,081 |
| Total risk-based capital ratio | 12.5095% | 5,091 |
| Memoranda: | ||
| Average total assets | $363,392,000 | 1,837 |
| Average earning assets | $332,710,200 | 1,859 |
| Average equity | $37,736,600 | 1,937 |
| Average total loans | $294,199,000 | 1,545 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 300 |
| Cost of funding earning assets | 0.1996% | 5,074 |
| Net interest margin | 5.1913% | 174 |
| Noninterest income to average assets | 0.6159% | 2,586 |
| Noninterest expense to average assets | 3.7964% | 749 |
| Loan and lease loss provision to assets | 0.1301% | 1,802 |
| Net operating income to assets | 0.9571% | 2,622 |
| Return on assets (ROA) | 0.9571% | 2,765 |
| Pretax return on assets | 1.4455% | 1,896 |
| Return on Equity (ROE) | 9.1532% | 2,421 |
| Retained earnings to average equity (ytd only) | 7.9091% | 1,214 |
| Net charge-offs to loans | -0.2023% | 5,767 |
| Credit loss provision to net charge-offs | -79.1855% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6359% | 2,802 |
| Assets per employee ($millions) | 3.2701% | 5,082 |
| Cash dividends to net income (ytd only)* | 13.5924% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 2,415 |
| Loan loss allowance to noncurrent loans | 46.5774% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.5658% | 524 |
| Noncurrent loans to loans | 2.9079% | 537 |
| Net loans and leases to total assets | 77.4876% | 1,284 |
| Net loans and leases to deposits | 87.1117% | 2,128 |
| Net loans and leases to core deposits | 96.7213% | 1,920 |
| Total domestic deposits to total assets | 88.9520% | 931 |
| Equity capital to assets | 10.2829% | 3,824 |
| Core capital (leverage) ratio | 10.1164% | 3,418 |
| Tier 1 risk-based capital ratio | 11.7954% | 4,922 |
| Total risk-based capital ratio | 13.0462% | 4,817 |
| Memoranda: | ||
| Average total assets | $358,714,250 | 1,865 |
| Average earning assets | $328,644,000 | 1,883 |
| Average equity | $37,508,750 | 1,967 |
| Average total loans | $291,319,000 | 1,561 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 272 |
| Cost of funding earning assets | 0.2001% | 5,144 |
| Net interest margin | 5.2523% | 158 |
| Noninterest income to average assets | 0.6466% | 2,384 |
| Noninterest expense to average assets | 3.8353% | 734 |
| Loan and lease loss provision to assets | 0.0283% | 3,558 |
| Net operating income to assets | 1.0008% | 2,397 |
| Return on assets (ROA) | 1.0008% | 2,531 |
| Pretax return on assets | 1.5884% | 1,404 |
| Return on Equity (ROE) | 9.5147% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.6290% | 1,324 |
| Net charge-offs to loans | 0.0055% | 3,508 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 356.6250% | 197 |
| Efficiency ratio | 70.3149% | 2,932 |
| Assets per employee ($millions) | 3.1208% | 5,302 |
| Cash dividends to net income (ytd only)* | 19.8188% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,951 |
| Loan loss allowance to noncurrent loans | 42.8251% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.4742% | 563 |
| Noncurrent loans to loans | 2.5648% | 664 |
| Net loans and leases to total assets | 83.7254% | 445 |
| Net loans and leases to deposits | 94.6281% | 1,226 |
| Net loans and leases to core deposits | 98.3661% | 1,775 |
| Total domestic deposits to total assets | 88.4784% | 1,177 |
| Equity capital to assets | 10.8409% | 3,243 |
| Core capital (leverage) ratio | 10.5645% | 2,887 |
| Tier 1 risk-based capital ratio | 11.9570% | 4,852 |
| Total risk-based capital ratio | 13.0111% | 4,878 |
| Memoranda: | ||
| Average total assets | $352,932,330 | 1,896 |
| Average earning assets | $322,905,000 | 1,914 |
| Average equity | $37,121,670 | 1,990 |
| Average total loans | $289,958,330 | 1,572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 324 |
| Cost of funding earning assets | 0.1973% | 5,229 |
| Net interest margin | 5.1497% | 189 |
| Noninterest income to average assets | 0.6407% | 2,316 |
| Noninterest expense to average assets | 3.8214% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9802% | 2,367 |
| Return on assets (ROA) | 0.9802% | 2,485 |
| Pretax return on assets | 1.5295% | 1,506 |
| Return on Equity (ROE) | 9.4620% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.6511% | 2,558 |
| Net charge-offs to loans | 0.0098% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 193.7143% | 309 |
| Efficiency ratio | 71.3744% | 2,888 |
| Assets per employee ($millions) | 3.1417% | 5,353 |
| Cash dividends to net income (ytd only)* | 40.2762% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,967 |
| Loan loss allowance to noncurrent loans | 42.4331% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.4455% | 619 |
| Noncurrent loans to loans | 2.6270% | 689 |
| Net loans and leases to total assets | 80.7243% | 715 |
| Net loans and leases to deposits | 90.7697% | 1,489 |
| Net loans and leases to core deposits | 93.8287% | 2,007 |
| Total domestic deposits to total assets | 88.9330% | 1,138 |
| Equity capital to assets | 10.5153% | 3,474 |
| Core capital (leverage) ratio | 10.3079% | 3,187 |
| Tier 1 risk-based capital ratio | 12.0604% | 4,878 |
| Total risk-based capital ratio | 13.1375% | 4,892 |
| Memoranda: | ||
| Average total assets | $354,635,000 | 1,889 |
| Average earning assets | $324,371,000 | 1,912 |
| Average equity | $36,736,500 | 2,002 |
| Average total loans | $286,991,000 | 1,581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 214 |
| Cost of funding earning assets | 0.2271% | 5,035 |
| Net interest margin | 5.4243% | 139 |
| Noninterest income to average assets | 0.6569% | 2,424 |
| Noninterest expense to average assets | 3.8761% | 782 |
| Loan and lease loss provision to assets | 0.2121% | 982 |
| Net operating income to assets | 1.0249% | 2,236 |
| Return on assets (ROA) | 1.0249% | 2,316 |
| Pretax return on assets | 1.5154% | 1,510 |
| Return on Equity (ROE) | 10.1143% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.6479% | 1,045 |
| Net charge-offs to loans | 0.5184% | 493 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 4.0718% | 3,614 |
| Efficiency ratio | 69.1451% | 3,374 |
| Assets per employee ($millions) | 3.2198% | 5,273 |
| Cash dividends to net income (ytd only)* | 24.3854% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,935 |
| Loan loss allowance to noncurrent loans | 42.1129% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.4284% | 647 |
| Noncurrent loans to loans | 2.6575% | 668 |
| Net loans and leases to total assets | 79.3303% | 944 |
| Net loans and leases to deposits | 89.0430% | 1,739 |
| Net loans and leases to core deposits | 91.8396% | 2,240 |
| Total domestic deposits to total assets | 89.0921% | 1,071 |
| Equity capital to assets | 10.2050% | 3,742 |
| Core capital (leverage) ratio | 10.1124% | 3,370 |
| Tier 1 risk-based capital ratio | 11.9191% | 5,010 |
| Total risk-based capital ratio | 12.9981% | 5,024 |
| Memoranda: | ||
| Average total assets | $341,294,200 | 1,914 |
| Average earning assets | $311,250,200 | 1,949 |
| Average equity | $34,584,800 | 2,061 |
| Average total loans | $279,310,600 | 1,568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 229 |
| Cost of funding earning assets | 0.2356% | 5,035 |
| Net interest margin | 5.3596% | 156 |
| Noninterest income to average assets | 0.6349% | 2,557 |
| Noninterest expense to average assets | 3.8702% | 769 |
| Loan and lease loss provision to assets | 0.2862% | 542 |
| Net operating income to assets | 0.9274% | 2,818 |
| Return on assets (ROA) | 0.9274% | 2,905 |
| Pretax return on assets | 1.3627% | 2,169 |
| Return on Equity (ROE) | 9.1694% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.1694% | 845 |
| Net charge-offs to loans | 0.6973% | 306 |
| Credit loss provision to net charge-offs | 49.8966% | 3,038 |
| Earnings coverage of net charge-offs (x) | 2.8746% | 3,590 |
| Efficiency ratio | 70.1024% | 3,191 |
| Assets per employee ($millions) | 3.0696% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,093 |
| Loan loss allowance to noncurrent loans | 38.5800% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.7497% | 583 |
| Noncurrent loans to loans | 2.9123% | 623 |
| Net loans and leases to total assets | 82.8043% | 496 |
| Net loans and leases to deposits | 93.3623% | 1,273 |
| Net loans and leases to core deposits | 99.5273% | 1,555 |
| Total domestic deposits to total assets | 88.6914% | 1,181 |
| Equity capital to assets | 10.6198% | 3,450 |
| Core capital (leverage) ratio | 10.1852% | 3,390 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,143 |
| Total risk-based capital ratio | 12.9776% | 5,167 |
| Memoranda: | ||
| Average total assets | $337,267,000 | 1,952 |
| Average earning assets | $307,354,750 | 1,995 |
| Average equity | $34,112,750 | 2,096 |
| Average total loans | $277,453,750 | 1,580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 292 |
| Cost of funding earning assets | 0.2440% | 5,008 |
| Net interest margin | 5.2049% | 182 |
| Noninterest income to average assets | 0.6325% | 2,567 |
| Noninterest expense to average assets | 3.7505% | 929 |
| Loan and lease loss provision to assets | 0.3231% | 435 |
| Net operating income to assets | 0.8955% | 2,899 |
| Return on assets (ROA) | 0.8955% | 3,025 |
| Pretax return on assets | 1.3055% | 2,342 |
| Return on Equity (ROE) | 9.0060% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.0060% | 925 |
| Net charge-offs to loans | 1.0545% | 192 |
| Credit loss provision to net charge-offs | 37.4741% | 2,848 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 3,434 |
| Efficiency ratio | 69.7013% | 3,382 |
| Assets per employee ($millions) | 3.0897% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 4,711 |
| Loan loss allowance to noncurrent loans | 36.1303% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.7907% | 630 |
| Noncurrent loans to loans | 2.8520% | 719 |
| Net loans and leases to total assets | 84.7710% | 316 |
| Net loans and leases to deposits | 95.1497% | 1,036 |
| Net loans and leases to core deposits | 104.5675% | 1,155 |
| Total domestic deposits to total assets | 89.0922% | 1,106 |
| Equity capital to assets | 10.3030% | 3,688 |
| Core capital (leverage) ratio | 10.1986% | 3,338 |
| Tier 1 risk-based capital ratio | 11.2049% | 5,616 |
| Total risk-based capital ratio | 12.1942% | 5,653 |
| Memoranda: | ||
| Average total assets | $336,112,330 | 1,975 |
| Average earning assets | $306,518,670 | 2,004 |
| Average equity | $33,422,000 | 2,141 |
| Average total loans | $274,823,000 | 1,602 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 522 |
| Cost of funding earning assets | 0.2677% | 4,821 |
| Net interest margin | 4.7890% | 360 |
| Noninterest income to average assets | 0.5915% | 2,692 |
| Noninterest expense to average assets | 3.6731% | 1,035 |
| Loan and lease loss provision to assets | 0.3258% | 421 |
| Net operating income to assets | 0.7250% | 3,667 |
| Return on assets (ROA) | 0.7250% | 3,804 |
| Pretax return on assets | 0.9582% | 3,654 |
| Return on Equity (ROE) | 7.4294% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.4294% | 1,796 |
| Net charge-offs to loans | 2.1752% | 78 |
| Credit loss provision to net charge-offs | 18.7803% | 2,371 |
| Earnings coverage of net charge-offs (x) | 0.7401% | 3,017 |
| Efficiency ratio | 74.0965% | 2,803 |
| Assets per employee ($millions) | 3.2051% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 5,031 |
| Loan loss allowance to noncurrent loans | 29.1535% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 3.1686% | 565 |
| Noncurrent loans to loans | 3.4277% | 568 |
| Net loans and leases to total assets | 80.5423% | 630 |
| Net loans and leases to deposits | 90.1019% | 1,378 |
| Net loans and leases to core deposits | 92.8685% | 1,866 |
| Total domestic deposits to total assets | 89.3902% | 1,053 |
| Equity capital to assets | 10.1456% | 3,951 |
| Core capital (leverage) ratio | 9.6374% | 4,102 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,825 |
| Total risk-based capital ratio | 11.8692% | 5,899 |
| Memoranda: | ||
| Average total assets | $332,690,000 | 2,001 |
| Average earning assets | $303,280,500 | 2,034 |
| Average equity | $32,465,500 | 2,210 |
| Average total loans | $265,357,000 | 1,653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 387 |
| Cost of funding earning assets | 0.2495% | 5,324 |
| Net interest margin | 5.1398% | 231 |
| Noninterest income to average assets | 0.6691% | 2,454 |
| Noninterest expense to average assets | 3.6933% | 1,168 |
| Loan and lease loss provision to assets | 0.4200% | 411 |
| Net operating income to assets | 0.8578% | 3,072 |
| Return on assets (ROA) | 0.8578% | 3,171 |
| Pretax return on assets | 1.2478% | 2,452 |
| Return on Equity (ROE) | 8.7733% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.4172% | 1,701 |
| Net charge-offs to loans | 0.3854% | 1,108 |
| Credit loss provision to net charge-offs | 134.4364% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.3382% | 3,447 |
| Efficiency ratio | 68.8905% | 3,737 |
| Assets per employee ($millions) | 3.1615% | 5,490 |
| Cash dividends to net income (ytd only)* | 26.8550% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 2,271 |
| Loan loss allowance to noncurrent loans | 32.9204% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 3.7695% | 469 |
| Noncurrent loans to loans | 4.6977% | 339 |
| Net loans and leases to total assets | 76.8900% | 1,144 |
| Net loans and leases to deposits | 85.2876% | 2,063 |
| Net loans and leases to core deposits | 94.2239% | 1,900 |
| Total domestic deposits to total assets | 90.1538% | 671 |
| Equity capital to assets | 9.3546% | 4,906 |
| Core capital (leverage) ratio | 9.3590% | 4,455 |
| Tier 1 risk-based capital ratio | 11.7166% | 5,537 |
| Total risk-based capital ratio | 12.9700% | 5,442 |
| Memoranda: | ||
| Average total assets | $309,507,800 | 2,101 |
| Average earning assets | $282,541,000 | 2,106 |
| Average equity | $30,262,400 | 2,252 |
| Average total loans | $250,888,200 | 1,683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4660% | 333 |
| Cost of funding earning assets | 0.2580% | 5,328 |
| Net interest margin | 5.2080% | 202 |
| Noninterest income to average assets | 0.6735% | 2,461 |
| Noninterest expense to average assets | 3.7602% | 1,025 |
| Loan and lease loss provision to assets | 0.3143% | 603 |
| Net operating income to assets | 0.9144% | 2,841 |
| Return on assets (ROA) | 0.9144% | 2,946 |
| Pretax return on assets | 1.3482% | 2,203 |
| Return on Equity (ROE) | 9.2454% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.2454% | 914 |
| Net charge-offs to loans | 0.5034% | 767 |
| Credit loss provision to net charge-offs | 76.2712% | 2,664 |
| Earnings coverage of net charge-offs (x) | 4.0349% | 3,544 |
| Efficiency ratio | 69.3416% | 3,620 |
| Assets per employee ($millions) | 2.9860% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,575 |
| Loan loss allowance to noncurrent loans | 37.2162% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 3.0721% | 757 |
| Noncurrent loans to loans | 3.5319% | 670 |
| Net loans and leases to total assets | 81.6436% | 548 |
| Net loans and leases to deposits | 91.1531% | 1,304 |
| Net loans and leases to core deposits | 100.8862% | 1,300 |
| Total domestic deposits to total assets | 89.5676% | 953 |
| Equity capital to assets | 9.8525% | 4,350 |
| Core capital (leverage) ratio | 9.9372% | 3,762 |
| Tier 1 risk-based capital ratio | 11.5877% | 5,748 |
| Total risk-based capital ratio | 12.8382% | 5,660 |
| Memoranda: | ||
| Average total assets | $305,475,250 | 2,140 |
| Average earning assets | $278,562,750 | 2,154 |
| Average equity | $30,212,500 | 2,271 |
| Average total loans | $250,031,250 | 1,701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 333 |
| Cost of funding earning assets | 0.2616% | 5,369 |
| Net interest margin | 5.1968% | 201 |
| Noninterest income to average assets | 0.6682% | 2,437 |
| Noninterest expense to average assets | 3.7250% | 1,088 |
| Loan and lease loss provision to assets | 0.3160% | 608 |
| Net operating income to assets | 0.9019% | 2,787 |
| Return on assets (ROA) | 0.9019% | 2,891 |
| Pretax return on assets | 1.3746% | 1,988 |
| Return on Equity (ROE) | 9.1076% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.1076% | 954 |
| Net charge-offs to loans | 0.7250% | 525 |
| Credit loss provision to net charge-offs | 53.4521% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.8597% | 3,447 |
| Efficiency ratio | 68.7819% | 3,865 |
| Assets per employee ($millions) | 2.9860% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,310 |
| Loan loss allowance to noncurrent loans | 75.2543% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4836% | 2,200 |
| Noncurrent loans to loans | 1.6275% | 2,137 |
| Net loans and leases to total assets | 83.4099% | 344 |
| Net loans and leases to deposits | 96.1566% | 792 |
| Net loans and leases to core deposits | 107.0068% | 832 |
| Total domestic deposits to total assets | 86.7439% | 2,607 |
| Equity capital to assets | 9.7040% | 4,485 |
| Core capital (leverage) ratio | 9.8320% | 3,843 |
| Tier 1 risk-based capital ratio | 11.3352% | 5,884 |
| Total risk-based capital ratio | 12.5567% | 5,845 |
| Memoranda: | ||
| Average total assets | $303,786,670 | 2,145 |
| Average earning assets | $277,515,670 | 2,161 |
| Average equity | $30,084,670 | 2,273 |
| Average total loans | $247,737,000 | 1,709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3220% | 397 |
| Cost of funding earning assets | 0.2672% | 5,415 |
| Net interest margin | 5.0549% | 241 |
| Noninterest income to average assets | 0.6784% | 2,297 |
| Noninterest expense to average assets | 3.7986% | 983 |
| Loan and lease loss provision to assets | 0.3180% | 581 |
| Net operating income to assets | 0.8228% | 3,043 |
| Return on assets (ROA) | 0.8228% | 3,115 |
| Pretax return on assets | 1.1991% | 2,487 |
| Return on Equity (ROE) | 8.2241% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.2241% | 1,521 |
| Net charge-offs to loans | -0.0248% | 5,460 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4606% | 3,589 |
| Assets per employee ($millions) | 2.9892% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 2,673 |
| Loan loss allowance to noncurrent loans | 76.1707% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6973% | 2,081 |
| Noncurrent loans to loans | 2.1081% | 1,742 |
| Net loans and leases to total assets | 77.4726% | 823 |
| Net loans and leases to deposits | 86.7576% | 1,499 |
| Net loans and leases to core deposits | 94.8468% | 1,480 |
| Total domestic deposits to total assets | 89.2978% | 1,473 |
| Equity capital to assets | 10.0157% | 3,823 |
| Core capital (leverage) ratio | 10.0324% | 3,526 |
| Tier 1 risk-based capital ratio | 12.3750% | 5,389 |
| Total risk-based capital ratio | 13.6289% | 5,326 |
| Memoranda: | ||
| Average total assets | $301,898,500 | 2,166 |
| Average earning assets | $276,961,000 | 2,171 |
| Average equity | $30,204,000 | 2,262 |
| Average total loans | $241,746,000 | 1,745 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 269 |
| Cost of funding earning assets | 0.3052% | 5,556 |
| Net interest margin | 5.3898% | 159 |
| Noninterest income to average assets | 0.6114% | 3,018 |
| Noninterest expense to average assets | 3.7210% | 1,253 |
| Loan and lease loss provision to assets | 0.4147% | 714 |
| Net operating income to assets | 0.9888% | 2,373 |
| Return on assets (ROA) | 0.9888% | 2,444 |
| Pretax return on assets | 1.4456% | 1,636 |
| Return on Equity (ROE) | 9.7337% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.7093% | 1,148 |
| Net charge-offs to loans | 0.0324% | 4,788 |
| Credit loss provision to net charge-offs | 1,571.4286% | 156 |
| Earnings coverage of net charge-offs (x) | 70.4935% | 605 |
| Efficiency ratio | 65.8643% | 4,589 |
| Assets per employee ($millions) | 2.9594% | 5,896 |
| Cash dividends to net income (ytd only)* | 20.7972% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 3,289 |
| Loan loss allowance to noncurrent loans | 76.6937% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 2,307 |
| Noncurrent loans to loans | 1.9283% | 2,079 |
| Net loans and leases to total assets | 80.2360% | 574 |
| Net loans and leases to deposits | 90.0865% | 1,235 |
| Net loans and leases to core deposits | 98.1180% | 1,295 |
| Total domestic deposits to total assets | 89.0655% | 1,574 |
| Equity capital to assets | 9.9934% | 3,781 |
| Core capital (leverage) ratio | 9.9868% | 3,596 |
| Tier 1 risk-based capital ratio | 12.1621% | 5,521 |
| Total risk-based capital ratio | 13.4147% | 5,450 |
| Memoranda: | ||
| Average total assets | $291,773,800 | 2,198 |
| Average earning assets | $269,043,000 | 2,190 |
| Average equity | $29,639,400 | 2,275 |
| Average total loans | $237,588,600 | 1,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 269 |
| Cost of funding earning assets | 0.3133% | 5,612 |
| Net interest margin | 5.4109% | 154 |
| Noninterest income to average assets | 0.5931% | 3,189 |
| Noninterest expense to average assets | 3.7007% | 1,245 |
| Loan and lease loss provision to assets | 0.3356% | 976 |
| Net operating income to assets | 0.9926% | 2,404 |
| Return on assets (ROA) | 0.9926% | 2,496 |
| Pretax return on assets | 1.5439% | 1,485 |
| Return on Equity (ROE) | 9.7310% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.7310% | 847 |
| Net charge-offs to loans | 0.0599% | 4,049 |
| Credit loss provision to net charge-offs | 688.6792% | 423 |
| Earnings coverage of net charge-offs (x) | 38.5660% | 1,032 |
| Efficiency ratio | 65.5104% | 4,572 |
| Assets per employee ($millions) | 2.8890% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,605 |
| Loan loss allowance to noncurrent loans | 87.6631% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 3,173 |
| Noncurrent loans to loans | 1.4347% | 3,011 |
| Net loans and leases to total assets | 82.3510% | 340 |
| Net loans and leases to deposits | 92.5173% | 944 |
| Net loans and leases to core deposits | 101.4316% | 1,029 |
| Total domestic deposits to total assets | 89.0114% | 1,545 |
| Equity capital to assets | 10.1117% | 3,754 |
| Core capital (leverage) ratio | 10.2553% | 3,315 |
| Tier 1 risk-based capital ratio | 11.7004% | 5,944 |
| Total risk-based capital ratio | 12.9281% | 5,922 |
| Memoranda: | ||
| Average total assets | $289,993,000 | 2,217 |
| Average earning assets | $267,283,250 | 2,209 |
| Average equity | $29,581,750 | 2,298 |
| Average total loans | $236,130,000 | 1,752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6339% | 299 |
| Cost of funding earning assets | 0.3158% | 5,707 |
| Net interest margin | 5.3182% | 180 |
| Noninterest income to average assets | 0.4563% | 4,121 |
| Noninterest expense to average assets | 3.6584% | 1,315 |
| Loan and lease loss provision to assets | 0.3398% | 996 |
| Net operating income to assets | 0.8952% | 2,825 |
| Return on assets (ROA) | 0.8952% | 2,969 |
| Pretax return on assets | 1.3625% | 2,075 |
| Return on Equity (ROE) | 8.7496% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.7496% | 1,203 |
| Net charge-offs to loans | -0.0017% | 5,523 |
| Credit loss provision to net charge-offs | -24,500.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3910% | 4,290 |
| Assets per employee ($millions) | 2.8404% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 4,990 |
| Loan loss allowance to noncurrent loans | 61.2203% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8617% | 2,328 |
| Noncurrent loans to loans | 1.9606% | 2,441 |
| Net loans and leases to total assets | 84.9305% | 192 |
| Net loans and leases to deposits | 96.0709% | 666 |
| Net loans and leases to core deposits | 107.1742% | 678 |
| Total domestic deposits to total assets | 88.4041% | 1,982 |
| Equity capital to assets | 10.1281% | 3,752 |
| Core capital (leverage) ratio | 10.0017% | 3,518 |
| Tier 1 risk-based capital ratio | 11.6213% | 6,045 |
| Total risk-based capital ratio | 12.8259% | 6,027 |
| Memoranda: | ||
| Average total assets | $288,431,000 | 2,233 |
| Average earning assets | $265,994,670 | 2,222 |
| Average equity | $29,510,000 | 2,309 |
| Average total loans | $232,919,330 | 1,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 343 |
| Cost of funding earning assets | 0.3216% | 5,792 |
| Net interest margin | 5.2255% | 192 |
| Noninterest income to average assets | 0.1826% | 6,174 |
| Noninterest expense to average assets | 3.6652% | 1,304 |
| Loan and lease loss provision to assets | 0.3181% | 1,063 |
| Net operating income to assets | 0.6625% | 3,893 |
| Return on assets (ROA) | 0.6625% | 4,048 |
| Pretax return on assets | 1.0083% | 3,309 |
| Return on Equity (ROE) | 6.4432% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.4432% | 2,435 |
| Net charge-offs to loans | -0.0035% | 5,214 |
| Credit loss provision to net charge-offs | -11,500.0000% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5132% | 3,514 |
| Assets per employee ($millions) | 2.9078% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,174 |
| Loan loss allowance to noncurrent loans | 55.5693% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8261% | 2,577 |
| Noncurrent loans to loans | 2.1596% | 2,437 |
| Net loans and leases to total assets | 75.6585% | 883 |
| Net loans and leases to deposits | 84.7880% | 1,500 |
| Net loans and leases to core deposits | 89.4303% | 1,762 |
| Total domestic deposits to total assets | 89.2326% | 1,535 |
| Equity capital to assets | 10.1978% | 3,909 |
| Core capital (leverage) ratio | 10.0726% | 3,302 |
| Tier 1 risk-based capital ratio | 12.8287% | 5,358 |
| Total risk-based capital ratio | 14.0104% | 5,345 |
| Memoranda: | ||
| Average total assets | $289,204,000 | 2,256 |
| Average earning assets | $266,156,500 | 2,244 |
| Average equity | $29,737,000 | 2,318 |
| Average total loans | $226,072,500 | 1,828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 414 |
| Cost of funding earning assets | 0.3800% | 6,053 |
| Net interest margin | 5.3497% | 215 |
| Noninterest income to average assets | 0.7185% | 2,625 |
| Noninterest expense to average assets | 3.7047% | 1,405 |
| Loan and lease loss provision to assets | 0.4010% | 1,618 |
| Net operating income to assets | 1.0150% | 2,273 |
| Return on assets (ROA) | 1.0283% | 2,426 |
| Pretax return on assets | 1.5161% | 1,634 |
| Return on Equity (ROE) | 9.6966% | 2,318 |
| Retained earnings to average equity (ytd only) | 8.0106% | 1,120 |
| Net charge-offs to loans | 0.5662% | 2,034 |
| Credit loss provision to net charge-offs | 89.7858% | 3,482 |
| Earnings coverage of net charge-offs (x) | 4.2488% | 3,428 |
| Efficiency ratio | 65.1563% | 4,675 |
| Assets per employee ($millions) | 2.8759% | 6,202 |
| Cash dividends to net income (ytd only)* | 17.3882% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,611 |
| Loan loss allowance to noncurrent loans | 47.3967% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.1309% | 2,298 |
| Noncurrent loans to loans | 2.2905% | 2,361 |
| Net loans and leases to total assets | 78.9474% | 572 |
| Net loans and leases to deposits | 88.7531% | 1,193 |
| Net loans and leases to core deposits | 93.1409% | 1,540 |
| Total domestic deposits to total assets | 88.9518% | 1,594 |
| Equity capital to assets | 10.3696% | 3,670 |
| Core capital (leverage) ratio | 10.1304% | 3,234 |
| Tier 1 risk-based capital ratio | 12.6572% | 5,357 |
| Total risk-based capital ratio | 13.7426% | 5,438 |
| Memoranda: | ||
| Average total assets | $271,817,000 | 2,327 |
| Average earning assets | $248,143,600 | 2,342 |
| Average equity | $28,824,400 | 2,335 |
| Average total loans | $214,412,800 | 1,889 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 460 |
| Cost of funding earning assets | 0.3915% | 6,164 |
| Net interest margin | 5.3121% | 237 |
| Noninterest income to average assets | 0.7704% | 2,376 |
| Noninterest expense to average assets | 3.6932% | 1,374 |
| Loan and lease loss provision to assets | 0.3351% | 1,952 |
| Net operating income to assets | 1.0978% | 2,096 |
| Return on assets (ROA) | 1.1159% | 2,235 |
| Pretax return on assets | 1.6178% | 1,515 |
| Return on Equity (ROE) | 10.4618% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.4618% | 796 |
| Net charge-offs to loans | 0.5265% | 2,037 |
| Credit loss provision to net charge-offs | 80.9353% | 3,591 |
| Earnings coverage of net charge-offs (x) | 4.6535% | 3,241 |
| Efficiency ratio | 64.7381% | 4,668 |
| Assets per employee ($millions) | 2.6895% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,735 |
| Loan loss allowance to noncurrent loans | 38.1311% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 2.6709% | 1,970 |
| Noncurrent loans to loans | 2.8726% | 1,955 |
| Net loans and leases to total assets | 79.2692% | 568 |
| Net loans and leases to deposits | 89.3294% | 1,222 |
| Net loans and leases to core deposits | 94.1829% | 1,569 |
| Total domestic deposits to total assets | 88.7381% | 1,572 |
| Equity capital to assets | 10.6103% | 3,720 |
| Core capital (leverage) ratio | 10.5806% | 2,817 |
| Tier 1 risk-based capital ratio | 12.9187% | 5,319 |
| Total risk-based capital ratio | 14.0146% | 5,392 |
| Memoranda: | ||
| Average total assets | $268,592,250 | 2,383 |
| Average earning assets | $245,196,250 | 2,400 |
| Average equity | $28,649,500 | 2,360 |
| Average total loans | $211,205,250 | 1,937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 570 |
| Cost of funding earning assets | 0.3957% | 6,286 |
| Net interest margin | 5.2096% | 280 |
| Noninterest income to average assets | 0.7864% | 2,250 |
| Noninterest expense to average assets | 3.6917% | 1,389 |
| Loan and lease loss provision to assets | 0.3386% | 1,944 |
| Net operating income to assets | 1.0588% | 2,211 |
| Return on assets (ROA) | 1.0588% | 2,441 |
| Pretax return on assets | 1.5110% | 1,820 |
| Return on Equity (ROE) | 9.9079% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.9079% | 1,001 |
| Net charge-offs to loans | 0.6436% | 1,709 |
| Credit loss provision to net charge-offs | 67.3653% | 3,628 |
| Earnings coverage of net charge-offs (x) | 3.6796% | 3,304 |
| Efficiency ratio | 65.6165% | 4,596 |
| Assets per employee ($millions) | 2.6879% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,816 |
| Loan loss allowance to noncurrent loans | 32.3959% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.1051% | 1,757 |
| Noncurrent loans to loans | 3.3682% | 1,720 |
| Net loans and leases to total assets | 80.0279% | 509 |
| Net loans and leases to deposits | 90.0955% | 1,140 |
| Net loans and leases to core deposits | 95.0673% | 1,504 |
| Total domestic deposits to total assets | 88.8256% | 1,621 |
| Equity capital to assets | 10.6624% | 3,497 |
| Core capital (leverage) ratio | 10.4628% | 2,842 |
| Tier 1 risk-based capital ratio | 12.5977% | 5,497 |
| Total risk-based capital ratio | 13.6733% | 5,605 |
| Memoranda: | ||
| Average total assets | $265,782,000 | 2,411 |
| Average earning assets | $242,591,000 | 2,418 |
| Average equity | $28,401,670 | 2,361 |
| Average total loans | $207,598,330 | 1,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 660 |
| Cost of funding earning assets | 0.3915% | 6,451 |
| Net interest margin | 5.1829% | 300 |
| Noninterest income to average assets | 0.8824% | 1,823 |
| Noninterest expense to average assets | 3.6068% | 1,546 |
| Loan and lease loss provision to assets | 0.3405% | 1,836 |
| Net operating income to assets | 1.1821% | 1,792 |
| Return on assets (ROA) | 1.1821% | 1,971 |
| Pretax return on assets | 1.6634% | 1,393 |
| Return on Equity (ROE) | 11.0494% | 1,998 |
| Retained earnings to average equity (ytd only) | 11.0494% | 1,012 |
| Net charge-offs to loans | 0.3967% | 2,113 |
| Credit loss provision to net charge-offs | 111.9403% | 2,103 |
| Earnings coverage of net charge-offs (x) | 6.5871% | 2,180 |
| Efficiency ratio | 63.2857% | 5,052 |
| Assets per employee ($millions) | 2.6821% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 5,067 |
| Loan loss allowance to noncurrent loans | 28.6890% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 3.7791% | 1,478 |
| Noncurrent loans to loans | 4.4941% | 1,301 |
| Net loans and leases to total assets | 74.6444% | 964 |
| Net loans and leases to deposits | 83.8728% | 1,680 |
| Net loans and leases to core deposits | 88.4967% | 1,996 |
| Total domestic deposits to total assets | 88.9972% | 1,694 |
| Equity capital to assets | 10.4663% | 3,532 |
| Core capital (leverage) ratio | 10.3693% | 2,909 |
| Tier 1 risk-based capital ratio | 13.0848% | 5,144 |
| Total risk-based capital ratio | 14.3326% | 5,110 |
| Memoranda: | ||
| Average total assets | $264,280,500 | 2,437 |
| Average earning assets | $241,102,500 | 2,440 |
| Average equity | $28,273,000 | 2,374 |
| Average total loans | $202,659,500 | 2,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9291% | 488 |
| Cost of funding earning assets | 0.4621% | 6,695 |
| Net interest margin | 5.4670% | 189 |
| Noninterest income to average assets | 0.7415% | 2,382 |
| Noninterest expense to average assets | 3.9046% | 1,173 |
| Loan and lease loss provision to assets | 0.5234% | 2,004 |
| Net operating income to assets | 0.9050% | 2,579 |
| Return on assets (ROA) | 0.9098% | 2,680 |
| Pretax return on assets | 1.2792% | 2,206 |
| Return on Equity (ROE) | 8.4097% | 2,711 |
| Retained earnings to average equity (ytd only) | 7.0623% | 1,474 |
| Net charge-offs to loans | 0.8589% | 2,016 |
| Credit loss provision to net charge-offs | 77.4854% | 4,579 |
| Earnings coverage of net charge-offs (x) | 2.6585% | 3,883 |
| Efficiency ratio | 67.3805% | 4,494 |
| Assets per employee ($millions) | 2.6035% | 6,715 |
| Cash dividends to net income (ytd only)* | 16.0226% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,023 |
| Loan loss allowance to noncurrent loans | 85.2583% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 3,353 |
| Noncurrent loans to loans | 1.5008% | 3,897 |
| Net loans and leases to total assets | 76.7845% | 853 |
| Net loans and leases to deposits | 86.7245% | 1,570 |
| Net loans and leases to core deposits | 91.7362% | 1,913 |
| Total domestic deposits to total assets | 88.5384% | 1,829 |
| Equity capital to assets | 10.9369% | 3,040 |
| Core capital (leverage) ratio | 10.6313% | 2,579 |
| Tier 1 risk-based capital ratio | 13.3834% | 4,785 |
| Total risk-based capital ratio | 14.6335% | 4,758 |
| Memoranda: | ||
| Average total assets | $253,135,800 | 2,487 |
| Average earning assets | $229,615,000 | 2,512 |
| Average equity | $27,385,000 | 2,367 |
| Average total loans | $199,097,200 | 2,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8947% | 568 |
| Cost of funding earning assets | 0.4785% | 6,787 |
| Net interest margin | 5.4162% | 199 |
| Noninterest income to average assets | 0.7135% | 2,518 |
| Noninterest expense to average assets | 4.0047% | 995 |
| Loan and lease loss provision to assets | 0.4642% | 2,132 |
| Net operating income to assets | 0.8233% | 3,052 |
| Return on assets (ROA) | 0.8297% | 3,186 |
| Pretax return on assets | 1.1660% | 2,761 |
| Return on Equity (ROE) | 7.6911% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.6911% | 1,631 |
| Net charge-offs to loans | 0.5663% | 2,544 |
| Credit loss provision to net charge-offs | 103.9192% | 3,207 |
| Earnings coverage of net charge-offs (x) | 3.6294% | 3,359 |
| Efficiency ratio | 70.0424% | 3,952 |
| Assets per employee ($millions) | 2.4472% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 4,125 |
| Loan loss allowance to noncurrent loans | 64.1441% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.4375% | 2,646 |
| Noncurrent loans to loans | 2.3308% | 2,973 |
| Net loans and leases to total assets | 78.6518% | 646 |
| Net loans and leases to deposits | 89.1453% | 1,302 |
| Net loans and leases to core deposits | 95.0858% | 1,690 |
| Total domestic deposits to total assets | 88.2287% | 1,906 |
| Equity capital to assets | 11.1103% | 3,040 |
| Core capital (leverage) ratio | 10.8625% | 2,510 |
| Tier 1 risk-based capital ratio | 13.3135% | 4,872 |
| Total risk-based capital ratio | 14.5709% | 4,841 |
| Memoranda: | ||
| Average total assets | $251,332,750 | 2,516 |
| Average earning assets | $227,951,750 | 2,537 |
| Average equity | $27,112,750 | 2,389 |
| Average total loans | $198,247,000 | 2,075 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8196% | 696 |
| Cost of funding earning assets | 0.4905% | 6,875 |
| Net interest margin | 5.3292% | 230 |
| Noninterest income to average assets | 0.7758% | 2,129 |
| Noninterest expense to average assets | 3.9603% | 1,106 |
| Loan and lease loss provision to assets | 0.6173% | 1,547 |
| Net operating income to assets | 0.7639% | 3,228 |
| Return on assets (ROA) | 0.7639% | 3,356 |
| Pretax return on assets | 1.0363% | 3,093 |
| Return on Equity (ROE) | 7.1526% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.1526% | 1,809 |
| Net charge-offs to loans | 0.7798% | 1,944 |
| Credit loss provision to net charge-offs | 100.7802% | 3,076 |
| Earnings coverage of net charge-offs (x) | 2.6996% | 3,490 |
| Efficiency ratio | 69.4098% | 4,236 |
| Assets per employee ($millions) | 2.5201% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,250 |
| Loan loss allowance to noncurrent loans | 75.3539% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2206% | 2,952 |
| Noncurrent loans to loans | 1.9529% | 3,541 |
| Net loans and leases to total assets | 79.2010% | 620 |
| Net loans and leases to deposits | 89.3381% | 1,342 |
| Net loans and leases to core deposits | 95.7993% | 1,702 |
| Total domestic deposits to total assets | 88.6531% | 1,746 |
| Equity capital to assets | 10.8525% | 3,129 |
| Core capital (leverage) ratio | 10.7083% | 2,511 |
| Tier 1 risk-based capital ratio | 13.1303% | 4,818 |
| Total risk-based capital ratio | 14.3832% | 4,792 |
| Memoranda: | ||
| Average total assets | $251,089,330 | 2,536 |
| Average earning assets | $227,953,670 | 2,553 |
| Average equity | $26,815,330 | 2,401 |
| Average total loans | $197,242,330 | 2,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6998% | 882 |
| Cost of funding earning assets | 0.5048% | 6,953 |
| Net interest margin | 5.1950% | 256 |
| Noninterest income to average assets | 0.7677% | 2,174 |
| Noninterest expense to average assets | 3.9389% | 1,120 |
| Loan and lease loss provision to assets | 0.3671% | 2,365 |
| Net operating income to assets | 0.8714% | 2,697 |
| Return on assets (ROA) | 0.8714% | 2,754 |
| Pretax return on assets | 1.1922% | 2,401 |
| Return on Equity (ROE) | 8.2265% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.2265% | 1,652 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4790% | 4,168 |
| Assets per employee ($millions) | 2.5744% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,530 |
| Loan loss allowance to noncurrent loans | 66.6251% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.3058% | 2,941 |
| Noncurrent loans to loans | 2.4757% | 3,018 |
| Net loans and leases to total assets | 76.5519% | 953 |
| Net loans and leases to deposits | 86.2795% | 1,684 |
| Net loans and leases to core deposits | 92.7227% | 2,048 |
| Total domestic deposits to total assets | 88.7255% | 1,938 |
| Equity capital to assets | 10.7451% | 2,936 |
| Core capital (leverage) ratio | 10.4070% | 2,695 |
| Tier 1 risk-based capital ratio | 13.0597% | 4,782 |
| Total risk-based capital ratio | 14.3139% | 4,761 |
| Memoranda: | ||
| Average total assets | $250,630,500 | 2,565 |
| Average earning assets | $228,220,500 | 2,564 |
| Average equity | $26,548,500 | 2,405 |
| Average total loans | $194,577,000 | 2,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0065% | 838 |
| Cost of funding earning assets | 0.7759% | 6,658 |
| Net interest margin | 5.2306% | 273 |
| Noninterest income to average assets | 0.7071% | 2,802 |
| Noninterest expense to average assets | 3.9738% | 1,197 |
| Loan and lease loss provision to assets | 0.5140% | 3,094 |
| Net operating income to assets | 0.6947% | 3,247 |
| Return on assets (ROA) | 0.8469% | 2,740 |
| Pretax return on assets | 1.2114% | 2,186 |
| Return on Equity (ROE) | 8.1592% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,163 |
| Net charge-offs to loans | 0.9257% | 2,333 |
| Credit loss provision to net charge-offs | 73.4185% | 5,776 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 4,101 |
| Efficiency ratio | 71.1861% | 3,956 |
| Assets per employee ($millions) | 2.5668% | 6,910 |
| Cash dividends to net income (ytd only)* | 8.8292% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,872 |
| Loan loss allowance to noncurrent loans | 118.9448% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 4,267 |
| Noncurrent loans to loans | 1.2845% | 4,568 |
| Net loans and leases to total assets | 76.2526% | 1,231 |
| Net loans and leases to deposits | 85.6552% | 2,158 |
| Net loans and leases to core deposits | 93.8530% | 2,277 |
| Total domestic deposits to total assets | 89.0228% | 1,650 |
| Equity capital to assets | 10.4413% | 3,228 |
| Core capital (leverage) ratio | 10.1734% | 2,896 |
| Tier 1 risk-based capital ratio | 12.7322% | 4,836 |
| Total risk-based capital ratio | 13.9849% | 4,806 |
| Memoranda: | ||
| Average total assets | $246,086,600 | 2,584 |
| Average earning assets | $224,639,000 | 2,572 |
| Average equity | $25,541,600 | 2,496 |
| Average total loans | $186,138,200 | 2,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 958 |
| Cost of funding earning assets | 0.8309% | 6,651 |
| Net interest margin | 5.1577% | 321 |
| Noninterest income to average assets | 0.7290% | 2,649 |
| Noninterest expense to average assets | 3.7865% | 1,393 |
| Loan and lease loss provision to assets | 0.2533% | 4,556 |
| Net operating income to assets | 0.9644% | 2,357 |
| Return on assets (ROA) | 0.9573% | 2,511 |
| Pretax return on assets | 1.3898% | 1,906 |
| Return on Equity (ROE) | 9.2371% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.2371% | 981 |
| Net charge-offs to loans | 0.4921% | 3,307 |
| Credit loss provision to net charge-offs | 68.4831% | 5,457 |
| Earnings coverage of net charge-offs (x) | 4.4698% | 3,035 |
| Efficiency ratio | 68.2824% | 4,412 |
| Assets per employee ($millions) | 2.5194% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 3,317 |
| Loan loss allowance to noncurrent loans | 114.9589% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 4,304 |
| Noncurrent loans to loans | 1.4404% | 4,457 |
| Net loans and leases to total assets | 76.6706% | 1,286 |
| Net loans and leases to deposits | 86.2506% | 2,283 |
| Net loans and leases to core deposits | 96.5209% | 2,198 |
| Total domestic deposits to total assets | 88.8928% | 1,452 |
| Equity capital to assets | 10.5636% | 3,453 |
| Core capital (leverage) ratio | 10.2183% | 3,022 |
| Tier 1 risk-based capital ratio | 12.7886% | 4,741 |
| Total risk-based capital ratio | 14.0431% | 4,713 |
| Memoranda: | ||
| Average total assets | $244,721,250 | 2,640 |
| Average earning assets | $223,532,250 | 2,627 |
| Average equity | $25,360,750 | 2,556 |
| Average total loans | $183,975,750 | 2,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8840% | 1,223 |
| Cost of funding earning assets | 0.8661% | 6,708 |
| Net interest margin | 5.0179% | 406 |
| Noninterest income to average assets | 0.7559% | 2,352 |
| Noninterest expense to average assets | 3.7705% | 1,410 |
| Loan and lease loss provision to assets | 0.2262% | 4,642 |
| Net operating income to assets | 0.9155% | 2,496 |
| Return on assets (ROA) | 0.9155% | 2,598 |
| Pretax return on assets | 1.3341% | 1,998 |
| Return on Equity (ROE) | 8.8927% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.8927% | 1,135 |
| Net charge-offs to loans | 0.6527% | 2,585 |
| Credit loss provision to net charge-offs | 46.6893% | 5,493 |
| Earnings coverage of net charge-offs (x) | 3.2207% | 3,402 |
| Efficiency ratio | 69.3720% | 4,299 |
| Assets per employee ($millions) | 2.5878% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,308 |
| Loan loss allowance to noncurrent loans | 104.3129% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 3,697 |
| Noncurrent loans to loans | 1.5677% | 4,359 |
| Net loans and leases to total assets | 74.7643% | 1,746 |
| Net loans and leases to deposits | 85.7168% | 2,553 |
| Net loans and leases to core deposits | 95.4772% | 2,512 |
| Total domestic deposits to total assets | 87.2224% | 2,423 |
| Equity capital to assets | 10.2885% | 3,665 |
| Core capital (leverage) ratio | 10.2048% | 2,934 |
| Tier 1 risk-based capital ratio | 12.3755% | 4,968 |
| Total risk-based capital ratio | 13.6265% | 4,951 |
| Memoranda: | ||
| Average total assets | $243,154,000 | 2,678 |
| Average earning assets | $221,686,670 | 2,665 |
| Average equity | $25,031,670 | 2,585 |
| Average total loans | $180,483,000 | 2,420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 1,629 |
| Cost of funding earning assets | 0.9106% | 6,727 |
| Net interest margin | 4.8342% | 593 |
| Noninterest income to average assets | 0.7926% | 2,059 |
| Noninterest expense to average assets | 3.8441% | 1,254 |
| Loan and lease loss provision to assets | 0.1254% | 5,326 |
| Net operating income to assets | 0.9330% | 2,419 |
| Return on assets (ROA) | 0.9330% | 2,485 |
| Pretax return on assets | 1.2173% | 2,307 |
| Return on Equity (ROE) | 9.0605% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.0605% | 1,387 |
| Net charge-offs to loans | 0.1278% | 4,201 |
| Credit loss provision to net charge-offs | 133.9286% | 2,633 |
| Earnings coverage of net charge-offs (x) | 14.3393% | 1,439 |
| Efficiency ratio | 72.6950% | 3,809 |
| Assets per employee ($millions) | 2.4838% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,363 |
| Loan loss allowance to noncurrent loans | 71.4463% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.9944% | 2,395 |
| Noncurrent loans to loans | 2.7023% | 2,967 |
| Net loans and leases to total assets | 73.5573% | 2,066 |
| Net loans and leases to deposits | 84.7076% | 2,816 |
| Net loans and leases to core deposits | 95.0032% | 2,699 |
| Total domestic deposits to total assets | 86.8367% | 2,714 |
| Equity capital to assets | 10.5836% | 3,160 |
| Core capital (leverage) ratio | 10.1774% | 2,954 |
| Tier 1 risk-based capital ratio | 12.8305% | 4,454 |
| Total risk-based capital ratio | 14.0880% | 4,426 |
| Memoranda: | ||
| Average total assets | $239,222,500 | 2,774 |
| Average earning assets | $217,450,000 | 2,774 |
| Average equity | $24,634,500 | 2,649 |
| Average total loans | $175,329,000 | 2,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7063% | 458 |
| Cost of funding earning assets | 1.1354% | 6,865 |
| Net interest margin | 5.5709% | 177 |
| Noninterest income to average assets | 0.4594% | 4,722 |
| Noninterest expense to average assets | 3.5926% | 2,163 |
| Loan and lease loss provision to assets | 1.7918% | 1,269 |
| Net operating income to assets | 0.2491% | 4,723 |
| Return on assets (ROA) | 0.2620% | 4,760 |
| Pretax return on assets | 0.1857% | 5,038 |
| Return on Equity (ROE) | 2.7895% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.0095% | 3,695 |
| Net charge-offs to loans | 2.4050% | 949 |
| Credit loss provision to net charge-offs | 95.3889% | 5,808 |
| Earnings coverage of net charge-offs (x) | 1.0459% | 5,065 |
| Efficiency ratio | 63.1591% | 5,938 |
| Assets per employee ($millions) | 2.5532% | 7,114 |
| Cash dividends to net income (ytd only)* | 27.9605% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 2,031 |
| Loan loss allowance to noncurrent loans | 74.9291% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6879% | 2,608 |
| Noncurrent loans to loans | 2.6675% | 2,876 |
| Net loans and leases to total assets | 70.1572% | 3,215 |
| Net loans and leases to deposits | 82.1733% | 3,593 |
| Net loans and leases to core deposits | 96.8291% | 4,371 |
| Total domestic deposits to total assets | 85.3771% | 3,372 |
| Equity capital to assets | 10.0137% | 3,744 |
| Core capital (leverage) ratio | 9.5199% | 3,690 |
| Tier 1 risk-based capital ratio | 11.7615% | 5,149 |
| Total risk-based capital ratio | 13.0182% | 5,103 |
| Memoranda: | ||
| Average total assets | $232,057,400 | 2,798 |
| Average earning assets | $212,353,800 | 2,805 |
| Average equity | $21,796,400 | 2,971 |
| Average total loans | $181,243,800 | 2,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6755% | 531 |
| Cost of funding earning assets | 1.1763% | 6,956 |
| Net interest margin | 5.4992% | 184 |
| Noninterest income to average assets | 0.4016% | 5,270 |
| Noninterest expense to average assets | 3.6057% | 2,020 |
| Loan and lease loss provision to assets | 1.5792% | 1,201 |
| Net operating income to assets | 0.3141% | 4,746 |
| Return on assets (ROA) | 0.3309% | 4,781 |
| Pretax return on assets | 0.2782% | 5,114 |
| Return on Equity (ROE) | 3.5848% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.5175% | 3,917 |
| Net charge-offs to loans | 1.8046% | 1,123 |
| Credit loss provision to net charge-offs | 109.6579% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1.2781% | 4,816 |
| Efficiency ratio | 64.6733% | 5,621 |
| Assets per employee ($millions) | 2.4290% | 7,339 |
| Cash dividends to net income (ytd only)* | 29.7724% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 1,582 |
| Loan loss allowance to noncurrent loans | 45.4866% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 4.1125% | 1,536 |
| Noncurrent loans to loans | 4.6400% | 1,487 |
| Net loans and leases to total assets | 77.8842% | 1,595 |
| Net loans and leases to deposits | 90.7619% | 2,436 |
| Net loans and leases to core deposits | 103.8963% | 3,950 |
| Total domestic deposits to total assets | 85.8115% | 2,800 |
| Equity capital to assets | 9.3683% | 4,928 |
| Core capital (leverage) ratio | 8.5776% | 5,334 |
| Tier 1 risk-based capital ratio | 10.0430% | 6,937 |
| Total risk-based capital ratio | 11.3014% | 6,876 |
| Memoranda: | ||
| Average total assets | $230,071,500 | 2,845 |
| Average earning assets | $211,055,750 | 2,841 |
| Average equity | $21,237,250 | 3,066 |
| Average total loans | $183,601,750 | 2,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6314% | 623 |
| Cost of funding earning assets | 1.2097% | 7,077 |
| Net interest margin | 5.4217% | 203 |
| Noninterest income to average assets | 0.8702% | 2,094 |
| Noninterest expense to average assets | 3.5633% | 2,159 |
| Loan and lease loss provision to assets | 1.4358% | 1,214 |
| Net operating income to assets | 0.7116% | 3,205 |
| Return on assets (ROA) | 0.7335% | 3,224 |
| Pretax return on assets | 0.8736% | 3,429 |
| Return on Equity (ROE) | 7.9866% | 2,775 |
| Retained earnings to average equity (ytd only) | 6.8971% | 1,623 |
| Net charge-offs to loans | 1.6895% | 1,120 |
| Credit loss provision to net charge-offs | 106.3830% | 4,329 |
| Earnings coverage of net charge-offs (x) | 1.6918% | 4,282 |
| Efficiency ratio | 59.5178% | 6,618 |
| Assets per employee ($millions) | 2.5143% | 7,224 |
| Cash dividends to net income (ytd only)* | 13.6418% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 1,661 |
| Loan loss allowance to noncurrent loans | 48.3616% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 4.1346% | 1,409 |
| Noncurrent loans to loans | 4.0473% | 1,660 |
| Net loans and leases to total assets | 79.9867% | 1,314 |
| Net loans and leases to deposits | 98.0277% | 1,511 |
| Net loans and leases to core deposits | 112.0931% | 3,126 |
| Total domestic deposits to total assets | 81.5960% | 4,861 |
| Equity capital to assets | 9.2028% | 5,007 |
| Core capital (leverage) ratio | 8.8142% | 4,924 |
| Tier 1 risk-based capital ratio | 9.7930% | 7,143 |
| Total risk-based capital ratio | 11.0394% | 7,094 |
| Memoranda: | ||
| Average total assets | $229,842,670 | 2,866 |
| Average earning assets | $210,965,670 | 2,855 |
| Average equity | $21,110,330 | 3,083 |
| Average total loans | $183,602,670 | 2,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5855% | 730 |
| Cost of funding earning assets | 1.2655% | 7,131 |
| Net interest margin | 5.3200% | 226 |
| Noninterest income to average assets | 0.8251% | 2,200 |
| Noninterest expense to average assets | 3.4742% | 2,162 |
| Loan and lease loss provision to assets | 1.8433% | 666 |
| Net operating income to assets | 0.4090% | 4,820 |
| Return on assets (ROA) | 0.4090% | 4,999 |
| Pretax return on assets | 0.3932% | 5,415 |
| Return on Equity (ROE) | 4.4581% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.3101% | 4,037 |
| Net charge-offs to loans | 2.8330% | 461 |
| Credit loss provision to net charge-offs | 82.3529% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.9992% | 4,272 |
| Efficiency ratio | 59.3606% | 6,501 |
| Assets per employee ($millions) | 2.4757% | 7,332 |
| Cash dividends to net income (ytd only)* | 25.7511% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 1,645 |
| Loan loss allowance to noncurrent loans | 46.5783% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.9246% | 1,324 |
| Noncurrent loans to loans | 4.0534% | 1,480 |
| Net loans and leases to total assets | 77.8013% | 1,869 |
| Net loans and leases to deposits | 97.5380% | 1,727 |
| Net loans and leases to core deposits | 109.6498% | 3,485 |
| Total domestic deposits to total assets | 79.7652% | 5,447 |
| Equity capital to assets | 9.2828% | 4,962 |
| Core capital (leverage) ratio | 8.7622% | 5,040 |
| Tier 1 risk-based capital ratio | 9.8554% | 7,079 |
| Total risk-based capital ratio | 11.1110% | 6,973 |
| Memoranda: | ||
| Average total assets | $227,849,000 | 2,893 |
| Average earning assets | $209,248,500 | 2,891 |
| Average equity | $20,906,000 | 3,129 |
| Average total loans | $180,020,500 | 2,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2659% | 639 |
| Cost of funding earning assets | 1.7615% | 7,108 |
| Net interest margin | 5.5044% | 206 |
| Noninterest income to average assets | 0.9654% | 1,711 |
| Noninterest expense to average assets | 3.8015% | 1,749 |
| Loan and lease loss provision to assets | 0.8178% | 1,817 |
| Net operating income to assets | 1.0724% | 2,244 |
| Return on assets (ROA) | 1.0731% | 2,161 |
| Pretax return on assets | 1.4093% | 1,947 |
| Return on Equity (ROE) | 11.8434% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.4624% | 719 |
| Net charge-offs to loans | -0.1162% | 8,110 |
| Credit loss provision to net charge-offs | -926.0417% | 7,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4651% | 6,054 |
| Assets per employee ($millions) | 2.4248% | 7,354 |
| Cash dividends to net income (ytd only)* | 28.5469% | 4,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 1,173 |
| Loan loss allowance to noncurrent loans | 149.7734% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 2,815 |
| Noncurrent loans to loans | 1.3526% | 3,813 |
| Net loans and leases to total assets | 77.1243% | 2,343 |
| Net loans and leases to deposits | 93.0082% | 2,955 |
| Net loans and leases to core deposits | 104.5056% | 4,347 |
| Total domestic deposits to total assets | 82.9221% | 3,803 |
| Equity capital to assets | 9.0681% | 5,269 |
| Core capital (leverage) ratio | 8.5133% | 5,552 |
| Tier 1 risk-based capital ratio | 9.7474% | 7,023 |
| Total risk-based capital ratio | 11.0046% | 6,910 |
| Memoranda: | ||
| Average total assets | $217,413,600 | 2,908 |
| Average earning assets | $199,948,600 | 2,895 |
| Average equity | $19,698,800 | 3,275 |
| Average total loans | $165,264,200 | 2,695 |