Home > Crossroads Bank > Performance and Condition Ratios
Crossroads Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 2,679 |
| Cost of funding earning assets | 1.7042% | 1,443 |
| Net interest margin | 2.9964% | 3,290 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.4226% | 2,519 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8470% | 2,715 |
| Return on assets (ROA) | 0.8518% | 2,675 |
| Pretax return on assets | 0.9155% | 2,923 |
| Return on Equity (ROE) | 11.3100% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.7633% | 2,337 |
| Net charge-offs to loans | 0.0147% | 2,112 |
| Credit loss provision to net charge-offs | 405.1724% | 776 |
| Earnings coverage of net charge-offs (x) | 88.0345% | 968 |
| Efficiency ratio | 72.0892% | 1,650 |
| Assets per employee ($millions) | 6.0288% | 2,793 |
| Cash dividends to net income (ytd only)* | 49.0619% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,713 |
| Loan loss allowance to noncurrent loans | 150.3631% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 835 |
| Noncurrent loans to loans | 0.8721% | 873 |
| Net loans and leases to total assets | 73.0400% | 1,468 |
| Net loans and leases to deposits | 80.3986% | 2,069 |
| Net loans and leases to core deposits | 83.0032% | 2,523 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 7.7944% | 3,546 |
| Core capital (leverage) ratio | 9.2609% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3239% | 1,748 |
| Memoranda: | ||
| Average total assets | $544,377,200 | 1,632 |
| Average earning assets | $506,033,800 | 1,614 |
| Average equity | $40,983,200 | 1,854 |
| Average total loans | $394,789,400 | 1,486 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 2,608 |
| Cost of funding earning assets | 1.5853% | 1,400 |
| Net interest margin | 3.0447% | 3,246 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.4232% | 2,453 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8743% | 2,781 |
| Return on assets (ROA) | 0.8775% | 2,749 |
| Pretax return on assets | 0.9432% | 2,995 |
| Return on Equity (ROE) | 11.7600% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.3304% | 2,832 |
| Net charge-offs to loans | 0.0215% | 1,677 |
| Credit loss provision to net charge-offs | 238.0952% | 1,014 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 1,178 |
| Efficiency ratio | 71.2724% | 1,645 |
| Assets per employee ($millions) | 5.7045% | 3,015 |
| Cash dividends to net income (ytd only)* | 54.6831% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,776 |
| Loan loss allowance to noncurrent loans | 280.6469% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,638 |
| Noncurrent loans to loans | 0.4702% | 1,648 |
| Net loans and leases to total assets | 73.0400% | 1,465 |
| Net loans and leases to deposits | 80.1665% | 2,033 |
| Net loans and leases to core deposits | 84.1482% | 2,318 |
| Total domestic deposits to total assets | 91.1100% | 644 |
| Equity capital to assets | 7.1161% | 3,559 |
| Core capital (leverage) ratio | 9.2070% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3016% | 1,794 |
| Memoranda: | ||
| Average total assets | $541,810,250 | 1,638 |
| Average earning assets | $503,281,500 | 1,625 |
| Average equity | $40,421,250 | 1,856 |
| Average total loans | $390,860,250 | 1,492 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 2,515 |
| Cost of funding earning assets | 1.4431% | 1,359 |
| Net interest margin | 3.1137% | 3,189 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.4029% | 2,474 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9497% | 2,593 |
| Return on assets (ROA) | 0.9535% | 2,561 |
| Pretax return on assets | 1.0115% | 2,879 |
| Return on Equity (ROE) | 12.5900% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.2524% | 2,525 |
| Net charge-offs to loans | 0.0098% | 1,835 |
| Credit loss provision to net charge-offs | 789.4737% | 483 |
| Earnings coverage of net charge-offs (x) | 151.5263% | 747 |
| Efficiency ratio | 69.3332% | 1,829 |
| Assets per employee ($millions) | 5.7832% | 2,901 |
| Cash dividends to net income (ytd only)* | 50.3291% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,307 |
| Loan loss allowance to noncurrent loans | 248.2353% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 1,403 |
| Noncurrent loans to loans | 0.4943% | 1,476 |
| Net loans and leases to total assets | 71.8600% | 1,549 |
| Net loans and leases to deposits | 78.6301% | 2,077 |
| Net loans and leases to core deposits | 82.3570% | 2,308 |
| Total domestic deposits to total assets | 91.3800% | 532 |
| Equity capital to assets | 7.6213% | 3,456 |
| Core capital (leverage) ratio | 9.1690% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4584% | 1,736 |
| Memoranda: | ||
| Average total assets | $541,772,667 | 1,630 |
| Average earning assets | $502,684,667 | 1,626 |
| Average equity | $41,040,333 | 1,843 |
| Average total loans | $387,437,667 | 1,487 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 2,522 |
| Cost of funding earning assets | 1.2216% | 1,400 |
| Net interest margin | 3.1908% | 3,138 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4606% | 2,347 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9173% | 2,798 |
| Return on assets (ROA) | 0.9200% | 2,743 |
| Pretax return on assets | 0.9903% | 3,023 |
| Return on Equity (ROE) | 12.1800% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.8171% | 2,816 |
| Net charge-offs to loans | 0.0209% | 1,258 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 950 |
| Efficiency ratio | 70.2343% | 1,726 |
| Assets per employee ($millions) | 5.9693% | 2,787 |
| Cash dividends to net income (ytd only)* | 52.2508% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,381 |
| Loan loss allowance to noncurrent loans | 218.8273% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 1,285 |
| Noncurrent loans to loans | 0.5629% | 1,318 |
| Net loans and leases to total assets | 70.5200% | 1,570 |
| Net loans and leases to deposits | 76.8925% | 2,048 |
| Net loans and leases to core deposits | 80.5353% | 2,214 |
| Total domestic deposits to total assets | 91.7100% | 590 |
| Equity capital to assets | 7.7305% | 3,424 |
| Core capital (leverage) ratio | 9.2908% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4355% | 1,814 |
| Memoranda: | ||
| Average total assets | $540,847,000 | 1,652 |
| Average earning assets | $501,319,000 | 1,649 |
| Average equity | $40,845,000 | 1,872 |
| Average total loans | $383,418,000 | 1,516 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 2,248 |
| Cost of funding earning assets | 0.4649% | 1,619 |
| Net interest margin | 3.3472% | 2,428 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.3568% | 2,559 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1411% | 2,005 |
| Return on assets (ROA) | 1.1388% | 1,964 |
| Pretax return on assets | 1.3118% | 2,049 |
| Return on Equity (ROE) | 14.2600% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.1366% | 1,778 |
| Net charge-offs to loans | 0.0591% | 1,061 |
| Credit loss provision to net charge-offs | 329.2683% | 866 |
| Earnings coverage of net charge-offs (x) | 37.3854% | 1,545 |
| Efficiency ratio | 62.0500% | 2,758 |
| Assets per employee ($millions) | 5.6092% | 3,114 |
| Cash dividends to net income (ytd only)* | 42.9397% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,175 |
| Loan loss allowance to noncurrent loans | 228.8900% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 1,333 |
| Noncurrent loans to loans | 0.5443% | 1,357 |
| Net loans and leases to total assets | 69.5000% | 1,687 |
| Net loans and leases to deposits | 75.9206% | 2,108 |
| Net loans and leases to core deposits | 77.9673% | 2,278 |
| Total domestic deposits to total assets | 91.5500% | 772 |
| Equity capital to assets | 7.3720% | 3,458 |
| Core capital (leverage) ratio | 9.1912% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2689% | 2,251 |
| Memoranda: | ||
| Average total assets | $531,702,600 | 1,654 |
| Average earning assets | $495,364,400 | 1,646 |
| Average equity | $42,462,600 | 1,845 |
| Average total loans | $347,128,800 | 1,556 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 2,208 |
| Cost of funding earning assets | 0.3373% | 1,800 |
| Net interest margin | 3.3079% | 2,271 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.3302% | 2,541 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1430% | 1,920 |
| Return on assets (ROA) | 1.1403% | 1,900 |
| Pretax return on assets | 1.2988% | 2,052 |
| Return on Equity (ROE) | 14.0100% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.9805% | 2,005 |
| Net charge-offs to loans | 0.0794% | 746 |
| Credit loss provision to net charge-offs | 284.6535% | 838 |
| Earnings coverage of net charge-offs (x) | 28.4653% | 1,544 |
| Efficiency ratio | 61.6999% | 2,868 |
| Assets per employee ($millions) | 5.7361% | 3,002 |
| Cash dividends to net income (ytd only)* | 43.0179% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,301 |
| Loan loss allowance to noncurrent loans | 228.1697% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 1,409 |
| Noncurrent loans to loans | 0.5447% | 1,453 |
| Net loans and leases to total assets | 69.6400% | 1,508 |
| Net loans and leases to deposits | 75.4366% | 1,924 |
| Net loans and leases to core deposits | 77.2220% | 2,099 |
| Total domestic deposits to total assets | 92.3100% | 776 |
| Equity capital to assets | 7.1743% | 3,420 |
| Core capital (leverage) ratio | 8.9465% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1464% | 2,407 |
| Memoranda: | ||
| Average total assets | $530,007,250 | 1,676 |
| Average earning assets | $495,644,250 | 1,654 |
| Average equity | $43,154,000 | 1,845 |
| Average total loans | $339,162,750 | 1,569 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 2,247 |
| Cost of funding earning assets | 0.2843% | 1,857 |
| Net interest margin | 3.1777% | 2,261 |
| Noninterest income to average assets | 0.7046% | 1,317 |
| Noninterest expense to average assets | 2.3449% | 2,412 |
| Loan and lease loss provision to assets | 0.1036% | 962 |
| Net operating income to assets | 1.0997% | 1,770 |
| Return on assets (ROA) | 1.0954% | 1,769 |
| Pretax return on assets | 1.2246% | 1,988 |
| Return on Equity (ROE) | 12.9434% | 1,395 |
| Retained earnings to average equity (ytd only) | 7.1552% | 1,934 |
| Net charge-offs to loans | 0.1127% | 537 |
| Credit loss provision to net charge-offs | 148.6486% | 1,097 |
| Earnings coverage of net charge-offs (x) | 19.1243% | 1,564 |
| Efficiency ratio | 63.7537% | 2,800 |
| Assets per employee ($millions) | 5.8141% | 2,908 |
| Cash dividends to net income (ytd only)* | 44.7196% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,294 |
| Loan loss allowance to noncurrent loans | 191.3618% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 1,306 |
| Noncurrent loans to loans | 0.6668% | 1,288 |
| Net loans and leases to total assets | 62.8013% | 2,036 |
| Net loans and leases to deposits | 68.3143% | 2,363 |
| Net loans and leases to core deposits | 69.8747% | 2,499 |
| Total domestic deposits to total assets | 91.9300% | 864 |
| Equity capital to assets | 7.6559% | 3,371 |
| Core capital (leverage) ratio | 8.7376% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8130% | 2,148 |
| Memoranda: | ||
| Average total assets | $530,770,000 | 1,675 |
| Average earning assets | $496,652,333 | 1,668 |
| Average equity | $44,918,667 | 1,831 |
| Average total loans | $328,180,333 | 1,602 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3178% | 2,327 |
| Cost of funding earning assets | 0.2586% | 2,061 |
| Net interest margin | 3.0592% | 2,292 |
| Noninterest income to average assets | 0.7293% | 1,223 |
| Noninterest expense to average assets | 2.3847% | 2,220 |
| Loan and lease loss provision to assets | 0.0567% | 1,373 |
| Net operating income to assets | 1.0491% | 1,695 |
| Return on assets (ROA) | 1.0463% | 1,698 |
| Pretax return on assets | 1.1485% | 1,988 |
| Return on Equity (ROE) | 11.7947% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.2513% | 2,157 |
| Net charge-offs to loans | 0.1540% | 381 |
| Credit loss provision to net charge-offs | 60.4839% | 1,169 |
| Earnings coverage of net charge-offs (x) | 12.8790% | 1,409 |
| Efficiency ratio | 66.3719% | 2,720 |
| Assets per employee ($millions) | 5.9266% | 2,872 |
| Cash dividends to net income (ytd only)* | 46.9993% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,466 |
| Loan loss allowance to noncurrent loans | 171.6619% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 1,310 |
| Noncurrent loans to loans | 0.7439% | 1,282 |
| Net loans and leases to total assets | 60.9323% | 1,966 |
| Net loans and leases to deposits | 66.9992% | 2,243 |
| Net loans and leases to core deposits | 68.6287% | 2,400 |
| Total domestic deposits to total assets | 90.9449% | 1,064 |
| Equity capital to assets | 8.3654% | 3,271 |
| Core capital (leverage) ratio | 8.7599% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1061% | 2,159 |
| Memoranda: | ||
| Average total assets | $528,708,500 | 1,689 |
| Average earning assets | $494,908,500 | 1,681 |
| Average equity | $46,902,500 | 1,822 |
| Average total loans | $322,139,500 | 1,614 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 2,398 |
| Cost of funding earning assets | 0.3411% | 2,016 |
| Net interest margin | 3.2562% | 2,442 |
| Noninterest income to average assets | 0.9456% | 1,100 |
| Noninterest expense to average assets | 2.6161% | 1,830 |
| Loan and lease loss provision to assets | 0.0294% | 2,471 |
| Net operating income to assets | 1.1516% | 2,102 |
| Return on assets (ROA) | 1.1563% | 2,135 |
| Pretax return on assets | 1.3381% | 2,242 |
| Return on Equity (ROE) | 11.8247% | 1,871 |
| Retained earnings to average equity (ytd only) | 6.4376% | 2,165 |
| Net charge-offs to loans | 0.0063% | 2,345 |
| Credit loss provision to net charge-offs | 763.1579% | 623 |
| Earnings coverage of net charge-offs (x) | 353.7895% | 357 |
| Efficiency ratio | 65.7635% | 2,292 |
| Assets per employee ($millions) | 5.8225% | 2,928 |
| Cash dividends to net income (ytd only)* | 45.5581% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,137 |
| Loan loss allowance to noncurrent loans | 148.5674% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 1,197 |
| Noncurrent loans to loans | 0.9084% | 1,115 |
| Net loans and leases to total assets | 59.3130% | 2,228 |
| Net loans and leases to deposits | 66.1620% | 2,500 |
| Net loans and leases to core deposits | 67.8820% | 2,657 |
| Total domestic deposits to total assets | 89.6481% | 1,143 |
| Equity capital to assets | 9.3860% | 3,240 |
| Core capital (leverage) ratio | 8.8643% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5570% | 2,035 |
| Memoranda: | ||
| Average total assets | $493,552,800 | 1,709 |
| Average earning assets | $459,643,000 | 1,715 |
| Average equity | $48,263,200 | 1,812 |
| Average total loans | $302,754,600 | 1,698 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 2,402 |
| Cost of funding earning assets | 0.3602% | 2,018 |
| Net interest margin | 3.2943% | 2,431 |
| Noninterest income to average assets | 1.0399% | 1,002 |
| Noninterest expense to average assets | 2.6977% | 1,593 |
| Loan and lease loss provision to assets | 0.0179% | 2,647 |
| Net operating income to assets | 1.1848% | 2,221 |
| Return on assets (ROA) | 1.1894% | 2,261 |
| Pretax return on assets | 1.3941% | 2,361 |
| Return on Equity (ROE) | 12.0332% | 2,035 |
| Retained earnings to average equity (ytd only) | 6.6203% | 2,575 |
| Net charge-offs to loans | -0.0058% | 3,479 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7307% | 2,136 |
| Assets per employee ($millions) | 5.7088% | 2,979 |
| Cash dividends to net income (ytd only)* | 44.9827% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,155 |
| Loan loss allowance to noncurrent loans | 137.8361% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 1,195 |
| Noncurrent loans to loans | 0.9913% | 1,160 |
| Net loans and leases to total assets | 60.4052% | 2,204 |
| Net loans and leases to deposits | 67.6392% | 2,469 |
| Net loans and leases to core deposits | 69.6557% | 2,627 |
| Total domestic deposits to total assets | 89.3049% | 1,119 |
| Equity capital to assets | 9.7442% | 3,158 |
| Core capital (leverage) ratio | 9.0902% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5838% | 2,136 |
| Memoranda: | ||
| Average total assets | $485,934,250 | 1,749 |
| Average earning assets | $452,003,750 | 1,754 |
| Average equity | $48,032,750 | 1,840 |
| Average total loans | $299,676,250 | 1,737 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 2,434 |
| Cost of funding earning assets | 0.3824% | 2,035 |
| Net interest margin | 3.2799% | 2,514 |
| Noninterest income to average assets | 1.1493% | 860 |
| Noninterest expense to average assets | 2.8186% | 1,315 |
| Loan and lease loss provision to assets | 0.0062% | 2,777 |
| Net operating income to assets | 1.1904% | 2,224 |
| Return on assets (ROA) | 1.1951% | 2,277 |
| Pretax return on assets | 1.3791% | 2,394 |
| Return on Equity (ROE) | 12.0311% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.5834% | 2,589 |
| Net charge-offs to loans | -0.0189% | 3,974 |
| Credit loss provision to net charge-offs | -53.5714% | 2,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1327% | 1,994 |
| Assets per employee ($millions) | 5.3703% | 3,267 |
| Cash dividends to net income (ytd only)* | 45.2804% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,865 |
| Loan loss allowance to noncurrent loans | 134.7882% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 1,273 |
| Noncurrent loans to loans | 1.0577% | 1,157 |
| Net loans and leases to total assets | 58.9851% | 2,545 |
| Net loans and leases to deposits | 66.2395% | 2,801 |
| Net loans and leases to core deposits | 68.3214% | 2,931 |
| Total domestic deposits to total assets | 89.0482% | 1,263 |
| Equity capital to assets | 9.9477% | 2,897 |
| Core capital (leverage) ratio | 9.0970% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2882% | 1,874 |
| Memoranda: | ||
| Average total assets | $480,455,333 | 1,759 |
| Average earning assets | $446,662,667 | 1,771 |
| Average equity | $47,726,333 | 1,841 |
| Average total loans | $297,014,333 | 1,761 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 2,232 |
| Cost of funding earning assets | 0.4155% | 1,970 |
| Net interest margin | 3.3387% | 2,279 |
| Noninterest income to average assets | 1.4183% | 665 |
| Noninterest expense to average assets | 2.9391% | 1,090 |
| Loan and lease loss provision to assets | 0.1386% | 973 |
| Net operating income to assets | 1.2434% | 1,997 |
| Return on assets (ROA) | 1.2521% | 2,051 |
| Pretax return on assets | 1.4477% | 2,145 |
| Return on Equity (ROE) | 12.6135% | 1,783 |
| Retained earnings to average equity (ytd only) | 7.1147% | 2,541 |
| Net charge-offs to loans | -0.0067% | 3,510 |
| Credit loss provision to net charge-offs | -3,300.0000% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0921% | 2,345 |
| Assets per employee ($millions) | 5.4259% | 3,184 |
| Cash dividends to net income (ytd only)* | 43.5949% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,762 |
| Loan loss allowance to noncurrent loans | 142.9617% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 1,454 |
| Noncurrent loans to loans | 1.0155% | 1,315 |
| Net loans and leases to total assets | 60.3902% | 2,489 |
| Net loans and leases to deposits | 67.6677% | 2,737 |
| Net loans and leases to core deposits | 69.8815% | 2,874 |
| Total domestic deposits to total assets | 89.2453% | 1,208 |
| Equity capital to assets | 9.7311% | 2,965 |
| Core capital (leverage) ratio | 9.3434% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8688% | 1,940 |
| Memoranda: | ||
| Average total assets | $476,335,500 | 1,764 |
| Average earning assets | $441,852,000 | 1,774 |
| Average equity | $47,282,500 | 1,847 |
| Average total loans | $299,308,500 | 1,754 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,075 |
| Cost of funding earning assets | 0.6621% | 1,917 |
| Net interest margin | 3.5596% | 2,280 |
| Noninterest income to average assets | 1.1405% | 827 |
| Noninterest expense to average assets | 2.7505% | 2,076 |
| Loan and lease loss provision to assets | 0.1135% | 2,927 |
| Net operating income to assets | 1.3283% | 1,182 |
| Return on assets (ROA) | 1.3500% | 1,224 |
| Pretax return on assets | 1.5996% | 1,076 |
| Return on Equity (ROE) | 13.5092% | 919 |
| Retained earnings to average equity (ytd only) | 7.9398% | 1,070 |
| Net charge-offs to loans | 0.1485% | 1,099 |
| Credit loss provision to net charge-offs | 112.0879% | 2,706 |
| Earnings coverage of net charge-offs (x) | 16.6571% | 2,118 |
| Efficiency ratio | 61.9795% | 3,139 |
| Assets per employee ($millions) | 5.0512% | 3,339 |
| Cash dividends to net income (ytd only)* | 41.2269% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,132 |
| Loan loss allowance to noncurrent loans | 120.3617% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 1,360 |
| Noncurrent loans to loans | 1.1325% | 1,252 |
| Net loans and leases to total assets | 63.5567% | 2,424 |
| Net loans and leases to deposits | 71.4935% | 2,736 |
| Net loans and leases to core deposits | 74.3002% | 2,888 |
| Total domestic deposits to total assets | 88.8985% | 1,028 |
| Equity capital to assets | 10.1270% | 3,003 |
| Core capital (leverage) ratio | 8.9913% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4148% | 2,083 |
| Memoranda: | ||
| Average total assets | $449,186,400 | 1,705 |
| Average earning assets | $416,084,600 | 1,713 |
| Average equity | $44,888,000 | 1,852 |
| Average total loans | $306,377,400 | 1,658 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,150 |
| Cost of funding earning assets | 0.7039% | 2,005 |
| Net interest margin | 3.5800% | 2,337 |
| Noninterest income to average assets | 1.0458% | 953 |
| Noninterest expense to average assets | 2.7765% | 2,032 |
| Loan and lease loss provision to assets | 0.1036% | 3,027 |
| Net operating income to assets | 1.2568% | 1,460 |
| Return on assets (ROA) | 1.2851% | 1,496 |
| Pretax return on assets | 1.5175% | 1,411 |
| Return on Equity (ROE) | 12.9058% | 1,138 |
| Retained earnings to average equity (ytd only) | 7.3274% | 1,570 |
| Net charge-offs to loans | 0.1649% | 892 |
| Credit loss provision to net charge-offs | 90.7895% | 2,693 |
| Earnings coverage of net charge-offs (x) | 13.9158% | 2,175 |
| Efficiency ratio | 63.6189% | 2,798 |
| Assets per employee ($millions) | 5.0888% | 3,128 |
| Cash dividends to net income (ytd only)* | 43.2243% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,191 |
| Loan loss allowance to noncurrent loans | 134.7130% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 1,726 |
| Noncurrent loans to loans | 0.9581% | 1,576 |
| Net loans and leases to total assets | 65.9303% | 2,528 |
| Net loans and leases to deposits | 73.9664% | 2,960 |
| Net loans and leases to core deposits | 76.8836% | 3,106 |
| Total domestic deposits to total assets | 89.1354% | 711 |
| Equity capital to assets | 9.8447% | 3,388 |
| Core capital (leverage) ratio | 8.9935% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9703% | 2,216 |
| Memoranda: | ||
| Average total assets | $444,041,750 | 1,694 |
| Average earning assets | $411,609,500 | 1,703 |
| Average equity | $44,216,750 | 1,860 |
| Average total loans | $307,298,500 | 1,656 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 2,191 |
| Cost of funding earning assets | 0.7741% | 1,970 |
| Net interest margin | 3.6322% | 2,372 |
| Noninterest income to average assets | 0.8050% | 1,418 |
| Noninterest expense to average assets | 2.7408% | 2,249 |
| Loan and lease loss provision to assets | 0.0826% | 3,251 |
| Net operating income to assets | 1.1512% | 1,795 |
| Return on assets (ROA) | 1.1560% | 1,910 |
| Pretax return on assets | 1.3491% | 1,869 |
| Return on Equity (ROE) | 11.5617% | 1,463 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,054 |
| Net charge-offs to loans | 0.1002% | 1,271 |
| Credit loss provision to net charge-offs | 117.6471% | 2,299 |
| Earnings coverage of net charge-offs (x) | 20.3203% | 1,689 |
| Efficiency ratio | 65.7750% | 2,554 |
| Assets per employee ($millions) | 4.9320% | 3,261 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,061 |
| Loan loss allowance to noncurrent loans | 120.3524% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,646 |
| Noncurrent loans to loans | 1.0705% | 1,449 |
| Net loans and leases to total assets | 67.7247% | 2,406 |
| Net loans and leases to deposits | 75.9751% | 2,871 |
| Net loans and leases to core deposits | 78.7897% | 3,042 |
| Total domestic deposits to total assets | 89.1407% | 696 |
| Equity capital to assets | 9.8459% | 3,329 |
| Core capital (leverage) ratio | 9.1096% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9216% | 2,213 |
| Memoranda: | ||
| Average total assets | $435,998,333 | 1,699 |
| Average earning assets | $403,551,667 | 1,699 |
| Average equity | $43,592,333 | 1,867 |
| Average total loans | $305,497,000 | 1,645 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,837 |
| Cost of funding earning assets | 0.9052% | 1,833 |
| Net interest margin | 3.7487% | 2,148 |
| Noninterest income to average assets | 0.5713% | 2,173 |
| Noninterest expense to average assets | 2.7362% | 2,611 |
| Loan and lease loss provision to assets | 0.0711% | 2,850 |
| Net operating income to assets | 1.0714% | 1,933 |
| Return on assets (ROA) | 1.0573% | 2,080 |
| Pretax return on assets | 1.2127% | 2,145 |
| Return on Equity (ROE) | 10.4875% | 1,580 |
| Retained earnings to average equity (ytd only) | 4.8491% | 2,342 |
| Net charge-offs to loans | 0.1872% | 726 |
| Credit loss provision to net charge-offs | 53.5714% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,803 |
| Efficiency ratio | 67.7934% | 2,707 |
| Assets per employee ($millions) | 4.7262% | 2,962 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,022 |
| Loan loss allowance to noncurrent loans | 155.0310% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 2,107 |
| Noncurrent loans to loans | 0.8548% | 1,905 |
| Net loans and leases to total assets | 70.1228% | 2,230 |
| Net loans and leases to deposits | 79.0486% | 2,773 |
| Net loans and leases to core deposits | 82.1975% | 3,009 |
| Total domestic deposits to total assets | 88.7085% | 802 |
| Equity capital to assets | 9.8889% | 3,890 |
| Core capital (leverage) ratio | 9.4738% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3143% | 2,142 |
| Memoranda: | ||
| Average total assets | $422,191,500 | 1,701 |
| Average earning assets | $390,210,500 | 1,704 |
| Average equity | $42,565,000 | 1,894 |
| Average total loans | $299,206,500 | 1,650 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 2,505 |
| Cost of funding earning assets | 1.0304% | 1,594 |
| Net interest margin | 3.6086% | 3,108 |
| Noninterest income to average assets | 0.7029% | 1,810 |
| Noninterest expense to average assets | 2.6798% | 2,943 |
| Loan and lease loss provision to assets | 0.0548% | 2,937 |
| Net operating income to assets | 1.1268% | 2,348 |
| Return on assets (ROA) | 1.1397% | 2,394 |
| Pretax return on assets | 1.3174% | 2,450 |
| Return on Equity (ROE) | 11.3454% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.5310% | 2,144 |
| Net charge-offs to loans | 0.0070% | 3,424 |
| Credit loss provision to net charge-offs | 1,125.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 278.8500% | 299 |
| Efficiency ratio | 66.3793% | 2,710 |
| Assets per employee ($millions) | 4.6047% | 3,080 |
| Cash dividends to net income (ytd only)* | 51.2492% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,608 |
| Loan loss allowance to noncurrent loans | 135.4291% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 1,643 |
| Noncurrent loans to loans | 1.0151% | 1,496 |
| Net loans and leases to total assets | 69.7006% | 2,450 |
| Net loans and leases to deposits | 80.1511% | 2,761 |
| Net loans and leases to core deposits | 83.1976% | 3,024 |
| Total domestic deposits to total assets | 86.9615% | 1,630 |
| Equity capital to assets | 10.2778% | 3,648 |
| Core capital (leverage) ratio | 9.4959% | 4,070 |
| Tier 1 risk-based capital ratio | 13.0286% | 3,779 |
| Total risk-based capital ratio | 14.2793% | 3,654 |
| Memoranda: | ||
| Average total assets | $410,894,400 | 1,710 |
| Average earning assets | $379,645,000 | 1,711 |
| Average equity | $41,276,600 | 1,875 |
| Average total loans | $283,853,600 | 1,673 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 2,567 |
| Cost of funding earning assets | 1.0495% | 1,539 |
| Net interest margin | 3.6006% | 3,249 |
| Noninterest income to average assets | 0.6682% | 1,922 |
| Noninterest expense to average assets | 2.6822% | 2,915 |
| Loan and lease loss provision to assets | 0.0571% | 2,756 |
| Net operating income to assets | 1.0891% | 2,614 |
| Return on assets (ROA) | 1.1039% | 2,645 |
| Pretax return on assets | 1.2731% | 2,742 |
| Return on Equity (ROE) | 11.0540% | 2,000 |
| Retained earnings to average equity (ytd only) | 5.1759% | 2,805 |
| Net charge-offs to loans | 0.0427% | 2,241 |
| Credit loss provision to net charge-offs | 194.4444% | 1,346 |
| Earnings coverage of net charge-offs (x) | 44.7433% | 1,274 |
| Efficiency ratio | 67.1319% | 2,563 |
| Assets per employee ($millions) | 4.7840% | 2,815 |
| Cash dividends to net income (ytd only)* | 53.1758% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 1,789 |
| Loan loss allowance to noncurrent loans | 106.8994% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 1,413 |
| Noncurrent loans to loans | 1.2563% | 1,242 |
| Net loans and leases to total assets | 68.9423% | 2,631 |
| Net loans and leases to deposits | 79.2332% | 2,984 |
| Net loans and leases to core deposits | 82.5997% | 3,210 |
| Total domestic deposits to total assets | 87.0120% | 1,509 |
| Equity capital to assets | 10.1369% | 3,880 |
| Core capital (leverage) ratio | 9.4665% | 4,202 |
| Tier 1 risk-based capital ratio | 12.8805% | 3,914 |
| Total risk-based capital ratio | 14.1309% | 3,812 |
| Memoranda: | ||
| Average total assets | $408,861,000 | 1,727 |
| Average earning assets | $377,818,000 | 1,728 |
| Average equity | $40,829,000 | 1,904 |
| Average total loans | $280,783,000 | 1,699 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 2,701 |
| Cost of funding earning assets | 1.0398% | 1,533 |
| Net interest margin | 3.5512% | 3,429 |
| Noninterest income to average assets | 0.5909% | 2,193 |
| Noninterest expense to average assets | 2.6525% | 3,050 |
| Loan and lease loss provision to assets | 0.0494% | 2,832 |
| Net operating income to assets | 1.0294% | 2,806 |
| Return on assets (ROA) | 1.0499% | 2,795 |
| Pretax return on assets | 1.1991% | 2,907 |
| Return on Equity (ROE) | 10.5685% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.6004% | 2,975 |
| Net charge-offs to loans | 0.0782% | 1,582 |
| Credit loss provision to net charge-offs | 92.5926% | 2,108 |
| Earnings coverage of net charge-offs (x) | 22.9630% | 1,671 |
| Efficiency ratio | 68.4036% | 2,464 |
| Assets per employee ($millions) | 4.6811% | 2,905 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,800 |
| Loan loss allowance to noncurrent loans | 110.2630% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 1,538 |
| Noncurrent loans to loans | 1.2274% | 1,298 |
| Net loans and leases to total assets | 67.4815% | 2,893 |
| Net loans and leases to deposits | 76.2940% | 3,304 |
| Net loans and leases to core deposits | 79.3561% | 3,476 |
| Total domestic deposits to total assets | 88.4493% | 899 |
| Equity capital to assets | 9.9884% | 3,983 |
| Core capital (leverage) ratio | 9.4573% | 4,194 |
| Tier 1 risk-based capital ratio | 12.9721% | 3,852 |
| Total risk-based capital ratio | 14.2227% | 3,762 |
| Memoranda: | ||
| Average total assets | $404,818,670 | 1,742 |
| Average earning assets | $374,686,670 | 1,742 |
| Average equity | $40,213,670 | 1,921 |
| Average total loans | $276,314,000 | 1,730 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 2,551 |
| Cost of funding earning assets | 0.9938% | 1,589 |
| Net interest margin | 3.5990% | 3,251 |
| Noninterest income to average assets | 0.5896% | 2,098 |
| Noninterest expense to average assets | 2.6381% | 3,093 |
| Loan and lease loss provision to assets | 0.0501% | 2,652 |
| Net operating income to assets | 1.0576% | 2,632 |
| Return on assets (ROA) | 1.0829% | 2,577 |
| Pretax return on assets | 1.2494% | 2,630 |
| Return on Equity (ROE) | 10.9328% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.8590% | 2,968 |
| Net charge-offs to loans | 0.0632% | 1,410 |
| Credit loss provision to net charge-offs | 116.2791% | 1,443 |
| Earnings coverage of net charge-offs (x) | 29.4651% | 1,346 |
| Efficiency ratio | 67.4962% | 2,714 |
| Assets per employee ($millions) | 4.8509% | 2,705 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,614 |
| Loan loss allowance to noncurrent loans | 98.3998% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 1,303 |
| Noncurrent loans to loans | 1.4389% | 1,124 |
| Net loans and leases to total assets | 67.8131% | 2,776 |
| Net loans and leases to deposits | 76.7187% | 3,194 |
| Net loans and leases to core deposits | 79.9385% | 3,379 |
| Total domestic deposits to total assets | 88.3919% | 1,136 |
| Equity capital to assets | 10.0612% | 3,764 |
| Core capital (leverage) ratio | 9.5731% | 4,053 |
| Tier 1 risk-based capital ratio | 13.3103% | 3,713 |
| Total risk-based capital ratio | 14.5616% | 3,617 |
| Memoranda: | ||
| Average total assets | $398,920,500 | 1,775 |
| Average earning assets | $367,878,500 | 1,781 |
| Average equity | $39,514,000 | 1,942 |
| Average total loans | $271,973,500 | 1,753 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 2,441 |
| Cost of funding earning assets | 0.7200% | 1,957 |
| Net interest margin | 3.7863% | 2,712 |
| Noninterest income to average assets | 0.7134% | 1,798 |
| Noninterest expense to average assets | 2.7590% | 2,829 |
| Loan and lease loss provision to assets | 0.0409% | 3,374 |
| Net operating income to assets | 1.1853% | 2,237 |
| Return on assets (ROA) | 1.1892% | 2,224 |
| Pretax return on assets | 1.4135% | 2,088 |
| Return on Equity (ROE) | 12.1187% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.7488% | 2,324 |
| Net charge-offs to loans | -0.0800% | 5,098 |
| Credit loss provision to net charge-offs | -74.0566% | 4,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5548% | 2,940 |
| Assets per employee ($millions) | 4.6519% | 2,957 |
| Cash dividends to net income (ytd only)* | 52.5624% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,522 |
| Loan loss allowance to noncurrent loans | 116.5913% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 1,265 |
| Noncurrent loans to loans | 1.2263% | 1,296 |
| Net loans and leases to total assets | 66.6051% | 3,050 |
| Net loans and leases to deposits | 74.9706% | 3,426 |
| Net loans and leases to core deposits | 78.0703% | 3,576 |
| Total domestic deposits to total assets | 88.8416% | 927 |
| Equity capital to assets | 9.7501% | 3,903 |
| Core capital (leverage) ratio | 9.3123% | 4,347 |
| Tier 1 risk-based capital ratio | 13.3332% | 3,643 |
| Total risk-based capital ratio | 14.5878% | 3,530 |
| Memoranda: | ||
| Average total assets | $383,946,400 | 1,784 |
| Average earning assets | $354,439,800 | 1,790 |
| Average equity | $37,677,200 | 1,956 |
| Average total loans | $264,983,800 | 1,757 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 2,349 |
| Cost of funding earning assets | 0.6696% | 2,034 |
| Net interest margin | 3.8182% | 2,579 |
| Noninterest income to average assets | 0.7275% | 1,760 |
| Noninterest expense to average assets | 2.7749% | 2,729 |
| Loan and lease loss provision to assets | 0.0354% | 3,301 |
| Net operating income to assets | 1.1891% | 2,279 |
| Return on assets (ROA) | 1.1943% | 2,266 |
| Pretax return on assets | 1.4554% | 2,042 |
| Return on Equity (ROE) | 12.1496% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.7231% | 2,810 |
| Net charge-offs to loans | -0.0986% | 5,158 |
| Credit loss provision to net charge-offs | -51.7949% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1479% | 3,012 |
| Assets per employee ($millions) | 4.5331% | 3,069 |
| Cash dividends to net income (ytd only)* | 52.8945% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,677 |
| Loan loss allowance to noncurrent loans | 110.5509% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 1,333 |
| Noncurrent loans to loans | 1.2708% | 1,327 |
| Net loans and leases to total assets | 68.2806% | 2,894 |
| Net loans and leases to deposits | 76.8125% | 3,344 |
| Net loans and leases to core deposits | 79.8798% | 3,500 |
| Total domestic deposits to total assets | 88.8925% | 878 |
| Equity capital to assets | 9.6574% | 3,952 |
| Core capital (leverage) ratio | 9.5116% | 4,161 |
| Tier 1 risk-based capital ratio | 13.0811% | 3,857 |
| Total risk-based capital ratio | 14.3356% | 3,771 |
| Memoranda: | ||
| Average total assets | $379,916,250 | 1,807 |
| Average earning assets | $351,426,500 | 1,808 |
| Average equity | $37,344,750 | 1,971 |
| Average total loans | $263,647,250 | 1,771 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,205 |
| Cost of funding earning assets | 0.6138% | 2,142 |
| Net interest margin | 3.8488% | 2,389 |
| Noninterest income to average assets | 0.7169% | 1,807 |
| Noninterest expense to average assets | 2.7897% | 2,688 |
| Loan and lease loss provision to assets | 0.0138% | 3,597 |
| Net operating income to assets | 1.2092% | 2,160 |
| Return on assets (ROA) | 1.2092% | 2,156 |
| Pretax return on assets | 1.4732% | 1,913 |
| Return on Equity (ROE) | 12.2277% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.7836% | 2,681 |
| Net charge-offs to loans | -0.1484% | 5,269 |
| Credit loss provision to net charge-offs | -13.4021% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2303% | 3,113 |
| Assets per employee ($millions) | 4.3370% | 3,372 |
| Cash dividends to net income (ytd only)* | 52.7009% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,736 |
| Loan loss allowance to noncurrent loans | 114.5455% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,375 |
| Noncurrent loans to loans | 1.2228% | 1,415 |
| Net loans and leases to total assets | 68.5567% | 2,785 |
| Net loans and leases to deposits | 77.3049% | 3,223 |
| Net loans and leases to core deposits | 80.1879% | 3,405 |
| Total domestic deposits to total assets | 88.6836% | 1,063 |
| Equity capital to assets | 9.8357% | 3,789 |
| Core capital (leverage) ratio | 9.5648% | 4,035 |
| Tier 1 risk-based capital ratio | 13.0019% | 3,892 |
| Total risk-based capital ratio | 14.2579% | 3,808 |
| Memoranda: | ||
| Average total assets | $376,606,330 | 1,828 |
| Average earning assets | $348,315,000 | 1,825 |
| Average equity | $37,243,330 | 1,979 |
| Average total loans | $261,535,670 | 1,782 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,405 |
| Cost of funding earning assets | 0.5517% | 2,393 |
| Net interest margin | 3.7825% | 2,490 |
| Noninterest income to average assets | 0.7538% | 1,607 |
| Noninterest expense to average assets | 2.6946% | 3,061 |
| Loan and lease loss provision to assets | 0.0941% | 1,939 |
| Net operating income to assets | 1.2051% | 1,981 |
| Return on assets (ROA) | 1.2051% | 1,991 |
| Pretax return on assets | 1.4692% | 1,769 |
| Return on Equity (ROE) | 12.1524% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.6826% | 2,857 |
| Net charge-offs to loans | 0.0878% | 1,279 |
| Credit loss provision to net charge-offs | 154.3860% | 1,216 |
| Earnings coverage of net charge-offs (x) | 25.6491% | 1,339 |
| Efficiency ratio | 63.2848% | 3,593 |
| Assets per employee ($millions) | 4.5031% | 3,151 |
| Cash dividends to net income (ytd only)* | 53.2387% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 2,053 |
| Loan loss allowance to noncurrent loans | 96.2357% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 1,293 |
| Noncurrent loans to loans | 1.3934% | 1,277 |
| Net loans and leases to total assets | 69.4469% | 2,574 |
| Net loans and leases to deposits | 78.8649% | 2,932 |
| Net loans and leases to core deposits | 97.2569% | 1,884 |
| Total domestic deposits to total assets | 88.0581% | 1,586 |
| Equity capital to assets | 9.8831% | 3,714 |
| Core capital (leverage) ratio | 9.5893% | 3,971 |
| Tier 1 risk-based capital ratio | 12.8741% | 4,024 |
| Total risk-based capital ratio | 14.1293% | 3,909 |
| Memoranda: | ||
| Average total assets | $374,080,000 | 1,848 |
| Average earning assets | $346,540,500 | 1,844 |
| Average equity | $37,095,500 | 1,994 |
| Average total loans | $259,618,500 | 1,795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,281 |
| Cost of funding earning assets | 0.5394% | 2,037 |
| Net interest margin | 3.7737% | 2,524 |
| Noninterest income to average assets | 0.7132% | 1,903 |
| Noninterest expense to average assets | 2.6585% | 3,259 |
| Loan and lease loss provision to assets | -0.0358% | 5,368 |
| Net operating income to assets | 1.2378% | 1,403 |
| Return on assets (ROA) | 1.2378% | 1,419 |
| Pretax return on assets | 1.5690% | 1,387 |
| Return on Equity (ROE) | 12.5501% | 1,066 |
| Retained earnings to average equity (ytd only) | 5.4902% | 1,821 |
| Net charge-offs to loans | -0.0728% | 5,293 |
| Credit loss provision to net charge-offs | 73.1844% | 3,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4226% | 3,689 |
| Assets per employee ($millions) | 4.3535% | 3,405 |
| Cash dividends to net income (ytd only)* | 56.2541% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,907 |
| Loan loss allowance to noncurrent loans | 100.7781% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 1,201 |
| Noncurrent loans to loans | 1.3547% | 1,290 |
| Net loans and leases to total assets | 67.4806% | 2,892 |
| Net loans and leases to deposits | 76.5786% | 3,274 |
| Net loans and leases to core deposits | 95.2954% | 2,089 |
| Total domestic deposits to total assets | 88.1194% | 1,427 |
| Equity capital to assets | 9.9498% | 3,760 |
| Core capital (leverage) ratio | 9.3069% | 4,282 |
| Tier 1 risk-based capital ratio | 12.9750% | 3,918 |
| Total risk-based capital ratio | 14.2297% | 3,816 |
| Memoranda: | ||
| Average total assets | $366,220,000 | 1,845 |
| Average earning assets | $337,577,000 | 1,854 |
| Average equity | $36,119,200 | 2,017 |
| Average total loans | $245,963,800 | 1,843 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 2,307 |
| Cost of funding earning assets | 0.5291% | 2,042 |
| Net interest margin | 3.7585% | 2,543 |
| Noninterest income to average assets | 0.6982% | 2,011 |
| Noninterest expense to average assets | 2.6448% | 3,265 |
| Loan and lease loss provision to assets | -0.0802% | 5,561 |
| Net operating income to assets | 1.2411% | 1,544 |
| Return on assets (ROA) | 1.2411% | 1,569 |
| Pretax return on assets | 1.5948% | 1,445 |
| Return on Equity (ROE) | 12.6127% | 1,144 |
| Retained earnings to average equity (ytd only) | 5.3576% | 2,639 |
| Net charge-offs to loans | -0.1150% | 5,416 |
| Credit loss provision to net charge-offs | 104.2857% | 2,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5860% | 3,630 |
| Assets per employee ($millions) | 4.4688% | 3,205 |
| Cash dividends to net income (ytd only)* | 57.5222% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,028 |
| Loan loss allowance to noncurrent loans | 92.5727% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,257 |
| Noncurrent loans to loans | 1.4784% | 1,263 |
| Net loans and leases to total assets | 66.0416% | 3,099 |
| Net loans and leases to deposits | 75.1167% | 3,457 |
| Net loans and leases to core deposits | 95.6147% | 2,118 |
| Total domestic deposits to total assets | 87.9186% | 1,410 |
| Equity capital to assets | 9.8431% | 4,096 |
| Core capital (leverage) ratio | 9.3700% | 4,324 |
| Tier 1 risk-based capital ratio | 12.7719% | 4,154 |
| Total risk-based capital ratio | 14.0268% | 4,054 |
| Memoranda: | ||
| Average total assets | $364,174,750 | 1,865 |
| Average earning assets | $335,375,500 | 1,873 |
| Average equity | $35,836,000 | 2,039 |
| Average total loans | $243,418,500 | 1,868 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,608 |
| Cost of funding earning assets | 0.5221% | 1,992 |
| Net interest margin | 3.6432% | 2,861 |
| Noninterest income to average assets | 0.6936% | 2,016 |
| Noninterest expense to average assets | 2.6412% | 3,305 |
| Loan and lease loss provision to assets | 0.0555% | 2,867 |
| Net operating income to assets | 1.0826% | 2,074 |
| Return on assets (ROA) | 1.0826% | 2,117 |
| Pretax return on assets | 1.3500% | 2,211 |
| Return on Equity (ROE) | 11.0024% | 1,650 |
| Retained earnings to average equity (ytd only) | 3.3893% | 3,696 |
| Net charge-offs to loans | 0.1969% | 1,024 |
| Credit loss provision to net charge-offs | 42.1941% | 2,625 |
| Earnings coverage of net charge-offs (x) | 10.6878% | 2,329 |
| Efficiency ratio | 65.2681% | 3,465 |
| Assets per employee ($millions) | 4.2990% | 3,435 |
| Cash dividends to net income (ytd only)* | 69.1953% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,273 |
| Loan loss allowance to noncurrent loans | 92.9554% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2756% | 1,303 |
| Noncurrent loans to loans | 1.4305% | 1,331 |
| Net loans and leases to total assets | 66.4753% | 3,036 |
| Net loans and leases to deposits | 75.5722% | 3,392 |
| Net loans and leases to core deposits | 94.9685% | 2,071 |
| Total domestic deposits to total assets | 87.9626% | 1,472 |
| Equity capital to assets | 9.8370% | 4,098 |
| Core capital (leverage) ratio | 9.2991% | 4,368 |
| Tier 1 risk-based capital ratio | 12.7924% | 4,129 |
| Total risk-based capital ratio | 14.0416% | 4,034 |
| Memoranda: | ||
| Average total assets | $360,439,670 | 1,883 |
| Average earning assets | $331,742,000 | 1,895 |
| Average equity | $35,465,000 | 2,051 |
| Average total loans | $240,775,670 | 1,883 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 2,483 |
| Cost of funding earning assets | 0.5133% | 1,979 |
| Net interest margin | 3.6346% | 2,758 |
| Noninterest income to average assets | 0.7645% | 1,689 |
| Noninterest expense to average assets | 2.7611% | 2,919 |
| Loan and lease loss provision to assets | 0.0562% | 2,680 |
| Net operating income to assets | 1.0287% | 2,172 |
| Return on assets (ROA) | 1.0287% | 2,223 |
| Pretax return on assets | 1.2906% | 2,270 |
| Return on Equity (ROE) | 10.4533% | 1,755 |
| Retained earnings to average equity (ytd only) | 1.8850% | 4,373 |
| Net charge-offs to loans | 0.0490% | 1,872 |
| Credit loss provision to net charge-offs | 172.4138% | 1,117 |
| Earnings coverage of net charge-offs (x) | 41.3103% | 1,017 |
| Efficiency ratio | 67.2140% | 3,314 |
| Assets per employee ($millions) | 4.3088% | 3,492 |
| Cash dividends to net income (ytd only)* | 81.9672% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,844 |
| Loan loss allowance to noncurrent loans | 80.5852% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 1,179 |
| Noncurrent loans to loans | 1.8074% | 1,039 |
| Net loans and leases to total assets | 65.6475% | 3,029 |
| Net loans and leases to deposits | 75.1493% | 3,288 |
| Net loans and leases to core deposits | 93.9682% | 1,988 |
| Total domestic deposits to total assets | 87.3561% | 2,048 |
| Equity capital to assets | 9.8572% | 3,922 |
| Core capital (leverage) ratio | 9.4652% | 4,154 |
| Tier 1 risk-based capital ratio | 13.0817% | 4,036 |
| Total risk-based capital ratio | 14.3361% | 3,932 |
| Memoranda: | ||
| Average total assets | $355,802,000 | 1,911 |
| Average earning assets | $327,297,500 | 1,925 |
| Average equity | $35,013,000 | 2,081 |
| Average total loans | $236,623,000 | 1,918 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,484 |
| Cost of funding earning assets | 0.4887% | 2,175 |
| Net interest margin | 3.7121% | 2,640 |
| Noninterest income to average assets | 1.1299% | 897 |
| Noninterest expense to average assets | 2.9324% | 2,555 |
| Loan and lease loss provision to assets | 0.1174% | 2,106 |
| Net operating income to assets | 1.1498% | 1,694 |
| Return on assets (ROA) | 1.1885% | 1,638 |
| Pretax return on assets | 1.5328% | 1,484 |
| Return on Equity (ROE) | 11.4735% | 1,415 |
| Retained earnings to average equity (ytd only) | 1.7716% | 4,518 |
| Net charge-offs to loans | 0.1944% | 1,423 |
| Credit loss provision to net charge-offs | 89.3570% | 2,806 |
| Earnings coverage of net charge-offs (x) | 12.1840% | 2,477 |
| Efficiency ratio | 64.6896% | 3,820 |
| Assets per employee ($millions) | 4.2648% | 3,500 |
| Cash dividends to net income (ytd only)* | 84.5588% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,802 |
| Loan loss allowance to noncurrent loans | 74.5246% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4981% | 1,112 |
| Noncurrent loans to loans | 1.9693% | 917 |
| Net loans and leases to total assets | 65.4149% | 3,157 |
| Net loans and leases to deposits | 74.7287% | 3,444 |
| Net loans and leases to core deposits | 93.7025% | 2,133 |
| Total domestic deposits to total assets | 87.5364% | 1,855 |
| Equity capital to assets | 9.8238% | 3,914 |
| Core capital (leverage) ratio | 9.5040% | 4,077 |
| Tier 1 risk-based capital ratio | 13.2435% | 3,927 |
| Total risk-based capital ratio | 14.4984% | 3,840 |
| Memoranda: | ||
| Average total assets | $343,302,800 | 1,932 |
| Average earning assets | $314,727,600 | 1,947 |
| Average equity | $35,560,200 | 2,049 |
| Average total loans | $232,007,400 | 1,891 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,412 |
| Cost of funding earning assets | 0.4794% | 2,269 |
| Net interest margin | 3.7511% | 2,516 |
| Noninterest income to average assets | 1.0924% | 948 |
| Noninterest expense to average assets | 2.9360% | 2,514 |
| Loan and lease loss provision to assets | 0.1382% | 1,701 |
| Net operating income to assets | 1.1269% | 1,888 |
| Return on assets (ROA) | 1.1782% | 1,814 |
| Pretax return on assets | 1.5214% | 1,648 |
| Return on Equity (ROE) | 11.2237% | 1,588 |
| Retained earnings to average equity (ytd only) | 3.9525% | 3,492 |
| Net charge-offs to loans | 0.2370% | 991 |
| Credit loss provision to net charge-offs | 85.8881% | 2,588 |
| Earnings coverage of net charge-offs (x) | 9.9026% | 2,639 |
| Efficiency ratio | 64.8259% | 3,787 |
| Assets per employee ($millions) | 4.1117% | 3,764 |
| Cash dividends to net income (ytd only)* | 64.7842% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,934 |
| Loan loss allowance to noncurrent loans | 83.0075% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 821 |
| Noncurrent loans to loans | 1.7595% | 1,182 |
| Net loans and leases to total assets | 67.1811% | 2,925 |
| Net loans and leases to deposits | 79.4791% | 3,020 |
| Net loans and leases to core deposits | 98.0979% | 1,802 |
| Total domestic deposits to total assets | 84.5267% | 3,018 |
| Equity capital to assets | 10.5694% | 3,489 |
| Core capital (leverage) ratio | 9.8460% | 3,756 |
| Tier 1 risk-based capital ratio | 13.1373% | 4,076 |
| Total risk-based capital ratio | 14.3906% | 3,980 |
| Memoranda: | ||
| Average total assets | $340,634,500 | 1,947 |
| Average earning assets | $312,076,500 | 1,964 |
| Average equity | $35,756,750 | 2,045 |
| Average total loans | $231,258,750 | 1,902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,427 |
| Cost of funding earning assets | 0.4692% | 2,380 |
| Net interest margin | 3.7562% | 2,491 |
| Noninterest income to average assets | 0.9851% | 1,153 |
| Noninterest expense to average assets | 2.8727% | 2,766 |
| Loan and lease loss provision to assets | 0.0944% | 2,269 |
| Net operating income to assets | 1.1299% | 1,857 |
| Return on assets (ROA) | 1.1526% | 1,884 |
| Pretax return on assets | 1.4900% | 1,701 |
| Return on Equity (ROE) | 11.0062% | 1,644 |
| Retained earnings to average equity (ytd only) | 4.2470% | 3,208 |
| Net charge-offs to loans | 0.0861% | 1,983 |
| Credit loss provision to net charge-offs | 161.6162% | 1,520 |
| Earnings coverage of net charge-offs (x) | 26.6263% | 1,483 |
| Efficiency ratio | 64.8814% | 3,865 |
| Assets per employee ($millions) | 4.2971% | 3,375 |
| Cash dividends to net income (ytd only)* | 61.4125% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,784 |
| Loan loss allowance to noncurrent loans | 76.7472% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1035% | 761 |
| Noncurrent loans to loans | 1.9823% | 1,005 |
| Net loans and leases to total assets | 66.9955% | 2,942 |
| Net loans and leases to deposits | 81.8138% | 2,729 |
| Net loans and leases to core deposits | 102.9121% | 1,407 |
| Total domestic deposits to total assets | 81.8878% | 4,029 |
| Equity capital to assets | 10.6351% | 3,487 |
| Core capital (leverage) ratio | 9.8250% | 3,782 |
| Tier 1 risk-based capital ratio | 13.1404% | 4,112 |
| Total risk-based capital ratio | 14.3935% | 4,036 |
| Memoranda: | ||
| Average total assets | $339,051,670 | 1,966 |
| Average earning assets | $310,738,330 | 1,986 |
| Average equity | $35,507,330 | 2,060 |
| Average total loans | $229,854,670 | 1,913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 2,335 |
| Cost of funding earning assets | 0.4592% | 2,472 |
| Net interest margin | 3.7800% | 2,372 |
| Noninterest income to average assets | 0.8886% | 1,343 |
| Noninterest expense to average assets | 2.8394% | 2,921 |
| Loan and lease loss provision to assets | 0.0950% | 2,107 |
| Net operating income to assets | 1.1096% | 1,865 |
| Return on assets (ROA) | 1.1096% | 1,968 |
| Pretax return on assets | 1.4161% | 1,857 |
| Return on Equity (ROE) | 10.6801% | 1,721 |
| Retained earnings to average equity (ytd only) | 3.8192% | 3,586 |
| Net charge-offs to loans | 0.1650% | 1,148 |
| Credit loss provision to net charge-offs | 85.1064% | 1,804 |
| Earnings coverage of net charge-offs (x) | 13.5319% | 1,730 |
| Efficiency ratio | 65.2649% | 3,934 |
| Assets per employee ($millions) | 4.2611% | 3,470 |
| Cash dividends to net income (ytd only)* | 64.2398% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,958 |
| Loan loss allowance to noncurrent loans | 68.6576% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.2447% | 724 |
| Noncurrent loans to loans | 2.1926% | 934 |
| Net loans and leases to total assets | 66.8493% | 2,837 |
| Net loans and leases to deposits | 80.3474% | 2,744 |
| Net loans and leases to core deposits | 100.9444% | 1,410 |
| Total domestic deposits to total assets | 83.2004% | 3,825 |
| Equity capital to assets | 10.3614% | 3,670 |
| Core capital (leverage) ratio | 9.7515% | 3,840 |
| Tier 1 risk-based capital ratio | 13.1733% | 4,155 |
| Total risk-based capital ratio | 14.4264% | 4,074 |
| Memoranda: | ||
| Average total assets | $336,693,500 | 1,991 |
| Average earning assets | $308,359,500 | 2,005 |
| Average equity | $34,981,000 | 2,090 |
| Average total loans | $227,848,500 | 1,929 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,455 |
| Cost of funding earning assets | 0.4308% | 2,839 |
| Net interest margin | 3.8004% | 2,375 |
| Noninterest income to average assets | 1.0441% | 1,085 |
| Noninterest expense to average assets | 3.0514% | 2,379 |
| Loan and lease loss provision to assets | 0.0953% | 2,409 |
| Net operating income to assets | 1.0263% | 2,224 |
| Return on assets (ROA) | 1.0263% | 2,306 |
| Pretax return on assets | 1.3696% | 2,027 |
| Return on Equity (ROE) | 10.0753% | 1,982 |
| Retained earnings to average equity (ytd only) | 2.4757% | 4,308 |
| Net charge-offs to loans | 0.0540% | 3,128 |
| Credit loss provision to net charge-offs | 262.2951% | 1,100 |
| Earnings coverage of net charge-offs (x) | 40.3279% | 1,174 |
| Efficiency ratio | 67.5654% | 3,650 |
| Assets per employee ($millions) | 4.2088% | 3,552 |
| Cash dividends to net income (ytd only)* | 75.4279% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,766 |
| Loan loss allowance to noncurrent loans | 94.7440% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 976 |
| Noncurrent loans to loans | 1.6453% | 1,384 |
| Net loans and leases to total assets | 66.4169% | 2,924 |
| Net loans and leases to deposits | 76.9570% | 3,162 |
| Net loans and leases to core deposits | 95.2918% | 1,909 |
| Total domestic deposits to total assets | 86.3040% | 2,491 |
| Equity capital to assets | 10.4184% | 3,461 |
| Core capital (leverage) ratio | 9.7928% | 3,786 |
| Tier 1 risk-based capital ratio | 13.2003% | 4,169 |
| Total risk-based capital ratio | 14.4526% | 4,098 |
| Memoranda: | ||
| Average total assets | $335,873,400 | 1,953 |
| Average earning assets | $306,864,600 | 1,982 |
| Average equity | $34,212,400 | 2,078 |
| Average total loans | $226,103,000 | 1,886 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,483 |
| Cost of funding earning assets | 0.4263% | 2,945 |
| Net interest margin | 3.8042% | 2,363 |
| Noninterest income to average assets | 1.0244% | 1,130 |
| Noninterest expense to average assets | 3.0442% | 2,386 |
| Loan and lease loss provision to assets | 0.1109% | 2,034 |
| Net operating income to assets | 0.9939% | 2,501 |
| Return on assets (ROA) | 0.9939% | 2,586 |
| Pretax return on assets | 1.3467% | 2,225 |
| Return on Equity (ROE) | 9.8125% | 2,174 |
| Retained earnings to average equity (ytd only) | 1.9938% | 4,884 |
| Net charge-offs to loans | 0.0541% | 2,828 |
| Credit loss provision to net charge-offs | 304.3478% | 954 |
| Earnings coverage of net charge-offs (x) | 40.0121% | 1,247 |
| Efficiency ratio | 67.6225% | 3,610 |
| Assets per employee ($millions) | 4.3151% | 3,298 |
| Cash dividends to net income (ytd only)* | 79.6813% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,970 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9325% | 1,079 |
| Noncurrent loans to loans | 1.6896% | 1,435 |
| Net loans and leases to total assets | 66.7116% | 2,895 |
| Net loans and leases to deposits | 80.1968% | 2,860 |
| Net loans and leases to core deposits | 97.1409% | 1,774 |
| Total domestic deposits to total assets | 83.1849% | 3,736 |
| Equity capital to assets | 10.3588% | 3,749 |
| Core capital (leverage) ratio | 9.8343% | 3,851 |
| Tier 1 risk-based capital ratio | 13.3788% | 4,207 |
| Total risk-based capital ratio | 14.6314% | 4,126 |
| Memoranda: | ||
| Average total assets | $336,717,250 | 1,959 |
| Average earning assets | $307,790,000 | 1,992 |
| Average equity | $34,105,250 | 2,098 |
| Average total loans | $226,545,750 | 1,895 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,489 |
| Cost of funding earning assets | 0.4221% | 3,019 |
| Net interest margin | 3.7958% | 2,331 |
| Noninterest income to average assets | 0.9083% | 1,418 |
| Noninterest expense to average assets | 2.9822% | 2,608 |
| Loan and lease loss provision to assets | 0.1183% | 1,875 |
| Net operating income to assets | 0.9125% | 2,808 |
| Return on assets (ROA) | 0.9125% | 2,939 |
| Pretax return on assets | 1.2750% | 2,454 |
| Return on Equity (ROE) | 9.0762% | 2,495 |
| Retained earnings to average equity (ytd only) | 0.8412% | 5,227 |
| Net charge-offs to loans | 0.1630% | 1,493 |
| Credit loss provision to net charge-offs | 108.1081% | 1,945 |
| Earnings coverage of net charge-offs (x) | 12.7351% | 2,182 |
| Efficiency ratio | 68.1579% | 3,648 |
| Assets per employee ($millions) | 4.3127% | 3,282 |
| Cash dividends to net income (ytd only)* | 90.7323% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 2,520 |
| Loan loss allowance to noncurrent loans | 84.4331% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 1,146 |
| Noncurrent loans to loans | 1.7144% | 1,505 |
| Net loans and leases to total assets | 67.0727% | 2,780 |
| Net loans and leases to deposits | 84.4118% | 2,263 |
| Net loans and leases to core deposits | 100.0945% | 1,484 |
| Total domestic deposits to total assets | 79.4590% | 4,989 |
| Equity capital to assets | 9.9938% | 4,050 |
| Core capital (leverage) ratio | 9.6364% | 4,092 |
| Tier 1 risk-based capital ratio | 13.7830% | 4,043 |
| Total risk-based capital ratio | 15.0357% | 3,978 |
| Memoranda: | ||
| Average total assets | $338,203,000 | 1,962 |
| Average earning assets | $308,924,330 | 1,985 |
| Average equity | $34,001,000 | 2,116 |
| Average total loans | $227,013,330 | 1,907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,378 |
| Cost of funding earning assets | 0.4180% | 3,102 |
| Net interest margin | 3.8030% | 2,226 |
| Noninterest income to average assets | 0.8823% | 1,444 |
| Noninterest expense to average assets | 2.9784% | 2,646 |
| Loan and lease loss provision to assets | 0.1415% | 1,445 |
| Net operating income to assets | 0.8575% | 2,974 |
| Return on assets (ROA) | 0.8575% | 3,092 |
| Pretax return on assets | 1.2291% | 2,551 |
| Return on Equity (ROE) | 8.5048% | 2,694 |
| Retained earnings to average equity (ytd only) | 0.3159% | 5,272 |
| Net charge-offs to loans | 0.0867% | 1,852 |
| Credit loss provision to net charge-offs | 244.8980% | 929 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,319 |
| Efficiency ratio | 68.4839% | 3,741 |
| Assets per employee ($millions) | 4.4073% | 3,193 |
| Cash dividends to net income (ytd only)* | 96.2861% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 2,482 |
| Loan loss allowance to noncurrent loans | 75.4421% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.1319% | 1,082 |
| Noncurrent loans to loans | 1.9758% | 1,325 |
| Net loans and leases to total assets | 66.4901% | 2,695 |
| Net loans and leases to deposits | 78.5440% | 2,734 |
| Net loans and leases to core deposits | 98.0195% | 1,471 |
| Total domestic deposits to total assets | 84.6533% | 3,559 |
| Equity capital to assets | 10.2449% | 3,836 |
| Core capital (leverage) ratio | 9.5332% | 4,222 |
| Tier 1 risk-based capital ratio | 13.9367% | 4,064 |
| Total risk-based capital ratio | 15.1895% | 3,985 |
| Memoranda: | ||
| Average total assets | $339,109,500 | 1,961 |
| Average earning assets | $309,125,000 | 1,994 |
| Average equity | $34,192,500 | 2,120 |
| Average total loans | $226,050,000 | 1,906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 2,840 |
| Cost of funding earning assets | 0.6072% | 1,709 |
| Net interest margin | 3.6252% | 3,315 |
| Noninterest income to average assets | 0.8400% | 1,713 |
| Noninterest expense to average assets | 2.7189% | 3,799 |
| Loan and lease loss provision to assets | -0.3758% | 6,412 |
| Net operating income to assets | 1.2902% | 1,327 |
| Return on assets (ROA) | 1.3079% | 1,338 |
| Pretax return on assets | 1.8364% | 732 |
| Return on Equity (ROE) | 13.7591% | 980 |
| Retained earnings to average equity (ytd only) | 5.3585% | 2,363 |
| Net charge-offs to loans | -0.5166% | 6,397 |
| Credit loss provision to net charge-offs | 110.8225% | 2,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4441% | 4,331 |
| Assets per employee ($millions) | 4.5166% | 3,008 |
| Cash dividends to net income (ytd only)* | 61.0550% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,646 |
| Loan loss allowance to noncurrent loans | 80.0146% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 1,269 |
| Noncurrent loans to loans | 1.8242% | 1,570 |
| Net loans and leases to total assets | 64.8827% | 3,070 |
| Net loans and leases to deposits | 76.5301% | 3,138 |
| Net loans and leases to core deposits | 97.9669% | 1,552 |
| Total domestic deposits to total assets | 84.7807% | 3,374 |
| Equity capital to assets | 9.9251% | 4,207 |
| Core capital (leverage) ratio | 9.3821% | 4,412 |
| Tier 1 risk-based capital ratio | 14.1980% | 3,969 |
| Total risk-based capital ratio | 15.4505% | 3,895 |
| Memoranda: | ||
| Average total assets | $340,613,000 | 1,912 |
| Average earning assets | $311,428,800 | 1,921 |
| Average equity | $32,378,600 | 2,147 |
| Average total loans | $223,571,200 | 1,876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,832 |
| Cost of funding earning assets | 0.6378% | 1,539 |
| Net interest margin | 3.6046% | 3,408 |
| Noninterest income to average assets | 0.7934% | 1,920 |
| Noninterest expense to average assets | 2.6576% | 3,987 |
| Loan and lease loss provision to assets | -0.5726% | 6,545 |
| Net operating income to assets | 1.4111% | 1,108 |
| Return on assets (ROA) | 1.4276% | 1,113 |
| Pretax return on assets | 2.0324% | 528 |
| Return on Equity (ROE) | 15.1872% | 789 |
| Retained earnings to average equity (ytd only) | 6.7591% | 1,953 |
| Net charge-offs to loans | -0.6596% | 6,483 |
| Credit loss provision to net charge-offs | 132.3663% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9167% | 4,387 |
| Assets per employee ($millions) | 4.6035% | 2,807 |
| Cash dividends to net income (ytd only)* | 55.4946% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 3,320 |
| Loan loss allowance to noncurrent loans | 60.1490% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.3235% | 1,171 |
| Noncurrent loans to loans | 2.2710% | 1,323 |
| Net loans and leases to total assets | 65.0105% | 3,025 |
| Net loans and leases to deposits | 76.7425% | 3,105 |
| Net loans and leases to core deposits | 95.3439% | 1,730 |
| Total domestic deposits to total assets | 84.7124% | 3,450 |
| Equity capital to assets | 9.7911% | 4,433 |
| Core capital (leverage) ratio | 9.4015% | 4,514 |
| Tier 1 risk-based capital ratio | 14.1830% | 4,091 |
| Total risk-based capital ratio | 15.4346% | 4,020 |
| Memoranda: | ||
| Average total assets | $339,951,000 | 1,921 |
| Average earning assets | $311,261,750 | 1,941 |
| Average equity | $31,956,000 | 2,176 |
| Average total loans | $222,960,000 | 1,885 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 2,745 |
| Cost of funding earning assets | 0.6757% | 1,333 |
| Net interest margin | 3.5826% | 3,435 |
| Noninterest income to average assets | 0.7094% | 2,231 |
| Noninterest expense to average assets | 2.6057% | 4,223 |
| Loan and lease loss provision to assets | -0.9655% | 6,632 |
| Net operating income to assets | 1.5981% | 706 |
| Return on assets (ROA) | 1.6113% | 716 |
| Pretax return on assets | 2.3690% | 266 |
| Return on Equity (ROE) | 17.3833% | 514 |
| Retained earnings to average equity (ytd only) | 8.3646% | 1,185 |
| Net charge-offs to loans | -0.9594% | 6,571 |
| Credit loss provision to net charge-offs | 153.7020% | 1,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3091% | 4,469 |
| Assets per employee ($millions) | 4.4323% | 3,032 |
| Cash dividends to net income (ytd only)* | 51.8816% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 3,900 |
| Loan loss allowance to noncurrent loans | 56.1884% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 1,303 |
| Noncurrent loans to loans | 2.2984% | 1,413 |
| Net loans and leases to total assets | 64.6921% | 2,964 |
| Net loans and leases to deposits | 72.8648% | 3,466 |
| Net loans and leases to core deposits | 88.1491% | 2,300 |
| Total domestic deposits to total assets | 88.7838% | 1,483 |
| Equity capital to assets | 9.7271% | 4,457 |
| Core capital (leverage) ratio | 9.4427% | 4,408 |
| Tier 1 risk-based capital ratio | 14.2852% | 4,071 |
| Total risk-based capital ratio | 15.5354% | 4,008 |
| Memoranda: | ||
| Average total assets | $339,716,000 | 1,919 |
| Average earning assets | $311,063,330 | 1,933 |
| Average equity | $31,490,000 | 2,190 |
| Average total loans | $222,437,000 | 1,883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,577 |
| Cost of funding earning assets | 0.7107% | 1,185 |
| Net interest margin | 3.5741% | 3,367 |
| Noninterest income to average assets | 0.7012% | 2,161 |
| Noninterest expense to average assets | 2.6909% | 3,961 |
| Loan and lease loss provision to assets | -2.1340% | 6,722 |
| Net operating income to assets | 2.2798% | 208 |
| Return on assets (ROA) | 2.2665% | 222 |
| Pretax return on assets | 3.4026% | 106 |
| Return on Equity (ROE) | 25.0616% | 117 |
| Retained earnings to average equity (ytd only) | 14.4302% | 365 |
| Net charge-offs to loans | -2.1015% | 6,664 |
| Credit loss provision to net charge-offs | 155.1577% | 1,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6193% | 4,245 |
| Assets per employee ($millions) | 4.4517% | 3,054 |
| Cash dividends to net income (ytd only)* | 42.4211% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 4,360 |
| Loan loss allowance to noncurrent loans | 36.8058% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 1,254 |
| Noncurrent loans to loans | 3.4061% | 875 |
| Net loans and leases to total assets | 65.5152% | 2,633 |
| Net loans and leases to deposits | 74.1526% | 3,044 |
| Net loans and leases to core deposits | 88.8702% | 2,011 |
| Total domestic deposits to total assets | 88.3519% | 2,025 |
| Equity capital to assets | 9.5575% | 4,417 |
| Core capital (leverage) ratio | 9.4848% | 4,306 |
| Tier 1 risk-based capital ratio | 14.3031% | 4,127 |
| Total risk-based capital ratio | 15.5529% | 4,078 |
| Memoranda: | ||
| Average total assets | $341,148,500 | 1,924 |
| Average earning assets | $312,915,000 | 1,923 |
| Average equity | $30,852,000 | 2,218 |
| Average total loans | $223,272,000 | 1,878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 3,377 |
| Cost of funding earning assets | 0.9908% | 467 |
| Net interest margin | 3.2004% | 5,003 |
| Noninterest income to average assets | 0.7111% | 2,478 |
| Noninterest expense to average assets | 2.4475% | 4,941 |
| Loan and lease loss provision to assets | 0.2298% | 1,576 |
| Net operating income to assets | 0.7907% | 3,337 |
| Return on assets (ROA) | 0.8298% | 3,221 |
| Pretax return on assets | 1.0313% | 3,222 |
| Return on Equity (ROE) | 9.0160% | 2,526 |
| Retained earnings to average equity (ytd only) | 0.6689% | 5,534 |
| Net charge-offs to loans | 0.5076% | 1,309 |
| Credit loss provision to net charge-offs | 69.6429% | 3,317 |
| Earnings coverage of net charge-offs (x) | 3.6741% | 3,787 |
| Efficiency ratio | 66.8786% | 4,393 |
| Assets per employee ($millions) | 4.7084% | 2,577 |
| Cash dividends to net income (ytd only)* | 92.5808% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,089 |
| Loan loss allowance to noncurrent loans | 40.6409% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.7335% | 1,218 |
| Noncurrent loans to loans | 3.7440% | 796 |
| Net loans and leases to total assets | 63.6022% | 3,115 |
| Net loans and leases to deposits | 70.2980% | 3,745 |
| Net loans and leases to core deposits | 88.2399% | 2,223 |
| Total domestic deposits to total assets | 90.4751% | 829 |
| Equity capital to assets | 8.5511% | 5,528 |
| Core capital (leverage) ratio | 8.7219% | 5,395 |
| Tier 1 risk-based capital ratio | 13.4214% | 4,705 |
| Total risk-based capital ratio | 14.6747% | 4,650 |
| Memoranda: | ||
| Average total assets | $339,489,600 | 1,894 |
| Average earning assets | $312,774,400 | 1,894 |
| Average equity | $31,244,400 | 2,173 |
| Average total loans | $220,651,800 | 1,857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,353 |
| Cost of funding earning assets | 1.0398% | 406 |
| Net interest margin | 3.1696% | 5,086 |
| Noninterest income to average assets | 0.6982% | 2,620 |
| Noninterest expense to average assets | 2.4618% | 4,831 |
| Loan and lease loss provision to assets | 0.2372% | 1,518 |
| Net operating income to assets | 0.7608% | 3,553 |
| Return on assets (ROA) | 0.7974% | 3,489 |
| Pretax return on assets | 0.9674% | 3,623 |
| Return on Equity (ROE) | 8.5085% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.8345% | 3,957 |
| Net charge-offs to loans | 0.7730% | 769 |
| Credit loss provision to net charge-offs | 47.1328% | 3,576 |
| Earnings coverage of net charge-offs (x) | 2.3048% | 4,071 |
| Efficiency ratio | 67.9729% | 4,108 |
| Assets per employee ($millions) | 4.6642% | 2,625 |
| Cash dividends to net income (ytd only)* | 54.9331% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,102 |
| Loan loss allowance to noncurrent loans | 35.7300% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 2.8668% | 1,297 |
| Noncurrent loans to loans | 3.7963% | 956 |
| Net loans and leases to total assets | 66.0204% | 2,633 |
| Net loans and leases to deposits | 73.3423% | 3,342 |
| Net loans and leases to core deposits | 88.3615% | 2,149 |
| Total domestic deposits to total assets | 90.0169% | 988 |
| Equity capital to assets | 9.0113% | 5,172 |
| Core capital (leverage) ratio | 9.1253% | 4,930 |
| Tier 1 risk-based capital ratio | 13.4854% | 4,766 |
| Total risk-based capital ratio | 14.7364% | 4,719 |
| Memoranda: | ||
| Average total assets | $337,256,500 | 1,917 |
| Average earning assets | $311,076,750 | 1,918 |
| Average equity | $31,607,000 | 2,172 |
| Average total loans | $219,557,750 | 1,864 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,464 |
| Cost of funding earning assets | 1.0847% | 357 |
| Net interest margin | 3.0880% | 5,304 |
| Noninterest income to average assets | 0.7603% | 2,364 |
| Noninterest expense to average assets | 2.4659% | 4,850 |
| Loan and lease loss provision to assets | 0.2499% | 1,489 |
| Net operating income to assets | 0.7502% | 3,564 |
| Return on assets (ROA) | 0.8067% | 3,406 |
| Pretax return on assets | 0.9638% | 3,665 |
| Return on Equity (ROE) | 8.4975% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.7975% | 3,883 |
| Net charge-offs to loans | 0.9706% | 632 |
| Credit loss provision to net charge-offs | 39.9240% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.8317% | 3,916 |
| Efficiency ratio | 68.2642% | 4,137 |
| Assets per employee ($millions) | 4.5731% | 2,686 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 3,881 |
| Loan loss allowance to noncurrent loans | 34.8736% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 3.0746% | 1,309 |
| Noncurrent loans to loans | 4.1085% | 930 |
| Net loans and leases to total assets | 63.6681% | 2,975 |
| Net loans and leases to deposits | 71.2494% | 3,551 |
| Net loans and leases to core deposits | 85.0357% | 2,433 |
| Total domestic deposits to total assets | 89.3595% | 1,404 |
| Equity capital to assets | 9.2086% | 4,981 |
| Core capital (leverage) ratio | 9.1323% | 4,778 |
| Tier 1 risk-based capital ratio | 13.6398% | 4,682 |
| Total risk-based capital ratio | 14.8916% | 4,644 |
| Memoranda: | ||
| Average total assets | $336,180,670 | 1,930 |
| Average earning assets | $310,496,000 | 1,927 |
| Average equity | $31,915,330 | 2,157 |
| Average total loans | $216,783,670 | 1,883 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,604 |
| Cost of funding earning assets | 1.1162% | 348 |
| Net interest margin | 3.0126% | 5,532 |
| Noninterest income to average assets | 0.7318% | 2,422 |
| Noninterest expense to average assets | 2.4640% | 4,895 |
| Loan and lease loss provision to assets | 0.2507% | 1,433 |
| Net operating income to assets | 0.6953% | 3,708 |
| Return on assets (ROA) | 0.7628% | 3,507 |
| Pretax return on assets | 0.8786% | 3,846 |
| Return on Equity (ROE) | 7.9154% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.5765% | 4,732 |
| Net charge-offs to loans | 0.4354% | 1,362 |
| Credit loss provision to net charge-offs | 89.3617% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.7489% | 2,687 |
| Efficiency ratio | 70.0849% | 3,954 |
| Assets per employee ($millions) | 4.6408% | 2,741 |
| Cash dividends to net income (ytd only)* | 67.4491% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 2,820 |
| Loan loss allowance to noncurrent loans | 48.0344% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.8184% | 1,605 |
| Noncurrent loans to loans | 3.6319% | 1,306 |
| Net loans and leases to total assets | 62.1604% | 3,031 |
| Net loans and leases to deposits | 69.7851% | 3,518 |
| Net loans and leases to core deposits | 83.9265% | 2,332 |
| Total domestic deposits to total assets | 89.0739% | 1,643 |
| Equity capital to assets | 9.5302% | 4,806 |
| Core capital (leverage) ratio | 8.9526% | 4,963 |
| Tier 1 risk-based capital ratio | 13.6402% | 4,764 |
| Total risk-based capital ratio | 14.8958% | 4,726 |
| Memoranda: | ||
| Average total assets | $335,064,500 | 1,958 |
| Average earning assets | $309,634,500 | 1,963 |
| Average equity | $32,291,500 | 2,163 |
| Average total loans | $215,879,000 | 1,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 3,522 |
| Cost of funding earning assets | 1.3786% | 271 |
| Net interest margin | 3.0923% | 5,835 |
| Noninterest income to average assets | 0.7935% | 2,290 |
| Noninterest expense to average assets | 2.4301% | 5,319 |
| Loan and lease loss provision to assets | 1.3997% | 242 |
| Net operating income to assets | 0.0543% | 6,081 |
| Return on assets (ROA) | 0.1024% | 6,151 |
| Pretax return on assets | -0.1239% | 6,378 |
| Return on Equity (ROE) | 1.0607% | 6,123 |
| Retained earnings to average equity (ytd only) | -2.1307% | 6,177 |
| Net charge-offs to loans | 1.8981% | 404 |
| Credit loss provision to net charge-offs | 112.8756% | 2,579 |
| Earnings coverage of net charge-offs (x) | 0.9682% | 4,980 |
| Efficiency ratio | 66.9309% | 4,342 |
| Assets per employee ($millions) | 4.4777% | 3,002 |
| Cash dividends to net income (ytd only)* | 300.8876% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,814 |
| Loan loss allowance to noncurrent loans | 47.1620% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 2.9863% | 1,586 |
| Noncurrent loans to loans | 3.6705% | 1,325 |
| Net loans and leases to total assets | 64.4843% | 2,815 |
| Net loans and leases to deposits | 73.8494% | 3,109 |
| Net loans and leases to core deposits | 89.7453% | 1,864 |
| Total domestic deposits to total assets | 87.3186% | 2,635 |
| Equity capital to assets | 9.7470% | 4,534 |
| Core capital (leverage) ratio | 9.0797% | 4,766 |
| Tier 1 risk-based capital ratio | 13.4745% | 4,765 |
| Total risk-based capital ratio | 14.7301% | 4,720 |
| Memoranda: | ||
| Average total assets | $330,064,200 | 1,952 |
| Average earning assets | $302,845,400 | 1,956 |
| Average equity | $31,867,000 | 2,149 |
| Average total loans | $215,640,400 | 1,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 3,677 |
| Cost of funding earning assets | 1.3992% | 294 |
| Net interest margin | 3.0907% | 5,959 |
| Noninterest income to average assets | 0.7270% | 2,587 |
| Noninterest expense to average assets | 2.4172% | 5,348 |
| Loan and lease loss provision to assets | 1.7832% | 158 |
| Net operating income to assets | -0.2484% | 6,529 |
| Return on assets (ROA) | -0.2119% | 6,577 |
| Pretax return on assets | -0.5823% | 6,738 |
| Return on Equity (ROE) | -2.1998% | 6,582 |
| Retained earnings to average equity (ytd only) | -5.2896% | 6,631 |
| Net charge-offs to loans | 2.4976% | 247 |
| Credit loss provision to net charge-offs | 109.4021% | 2,685 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 4,972 |
| Efficiency ratio | 67.8778% | 4,092 |
| Assets per employee ($millions) | 4.6533% | 2,672 |
| Cash dividends to net income (ytd only)* | -140.4580% | 7,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 3,351 |
| Loan loss allowance to noncurrent loans | 41.3872% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.1221% | 1,658 |
| Noncurrent loans to loans | 3.9734% | 1,297 |
| Net loans and leases to total assets | 65.4612% | 2,745 |
| Net loans and leases to deposits | 76.0696% | 2,977 |
| Net loans and leases to core deposits | 91.7694% | 1,806 |
| Total domestic deposits to total assets | 86.0543% | 3,224 |
| Equity capital to assets | 9.5256% | 5,169 |
| Core capital (leverage) ratio | 8.9984% | 5,072 |
| Tier 1 risk-based capital ratio | 13.1450% | 5,135 |
| Total risk-based capital ratio | 14.3996% | 5,095 |
| Memoranda: | ||
| Average total assets | $329,742,250 | 1,969 |
| Average earning assets | $302,359,250 | 1,970 |
| Average equity | $31,759,500 | 2,173 |
| Average total loans | $215,192,000 | 1,895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,905 |
| Cost of funding earning assets | 1.4177% | 327 |
| Net interest margin | 3.0521% | 6,120 |
| Noninterest income to average assets | 0.7587% | 2,380 |
| Noninterest expense to average assets | 2.4022% | 5,456 |
| Loan and lease loss provision to assets | 2.5491% | 84 |
| Net operating income to assets | -0.7170% | 6,823 |
| Return on assets (ROA) | -0.6591% | 6,837 |
| Pretax return on assets | -1.3061% | 6,973 |
| Return on Equity (ROE) | -6.8183% | 6,825 |
| Retained earnings to average equity (ytd only) | -11.4391% | 6,872 |
| Net charge-offs to loans | 3.6671% | 135 |
| Credit loss provision to net charge-offs | 107.2249% | 2,541 |
| Earnings coverage of net charge-offs (x) | 0.4848% | 4,835 |
| Efficiency ratio | 67.5773% | 4,217 |
| Assets per employee ($millions) | 4.5100% | 2,888 |
| Cash dividends to net income (ytd only)* | -67.7716% | 7,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 3,327 |
| Loan loss allowance to noncurrent loans | 39.7246% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.2445% | 1,678 |
| Noncurrent loans to loans | 4.2237% | 1,285 |
| Net loans and leases to total assets | 62.6524% | 3,296 |
| Net loans and leases to deposits | 72.6028% | 3,517 |
| Net loans and leases to core deposits | 87.8063% | 2,231 |
| Total domestic deposits to total assets | 86.2947% | 3,200 |
| Equity capital to assets | 9.3557% | 5,252 |
| Core capital (leverage) ratio | 8.8502% | 5,129 |
| Tier 1 risk-based capital ratio | 13.0012% | 5,189 |
| Total risk-based capital ratio | 14.2553% | 5,158 |
| Memoranda: | ||
| Average total assets | $329,529,000 | 1,970 |
| Average earning assets | $301,895,330 | 1,970 |
| Average equity | $31,855,670 | 2,156 |
| Average total loans | $213,626,670 | 1,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 3,588 |
| Cost of funding earning assets | 1.4203% | 392 |
| Net interest margin | 3.1612% | 5,875 |
| Noninterest income to average assets | 0.8214% | 2,058 |
| Noninterest expense to average assets | 2.4400% | 5,343 |
| Loan and lease loss provision to assets | 0.3640% | 1,734 |
| Net operating income to assets | 0.9063% | 2,886 |
| Return on assets (ROA) | 0.9039% | 3,119 |
| Pretax return on assets | 0.9100% | 3,998 |
| Return on Equity (ROE) | 9.2025% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.6815% | 3,756 |
| Net charge-offs to loans | 0.4955% | 1,855 |
| Credit loss provision to net charge-offs | 112.3596% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.9401% | 2,710 |
| Efficiency ratio | 65.6546% | 4,620 |
| Assets per employee ($millions) | 4.6162% | 2,781 |
| Cash dividends to net income (ytd only)* | 49.1275% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 4,018 |
| Loan loss allowance to noncurrent loans | 28.7119% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.9146% | 1,420 |
| Noncurrent loans to loans | 5.3377% | 1,018 |
| Net loans and leases to total assets | 63.2134% | 3,002 |
| Net loans and leases to deposits | 73.6791% | 3,164 |
| Net loans and leases to core deposits | 89.6194% | 1,889 |
| Total domestic deposits to total assets | 85.7956% | 3,644 |
| Equity capital to assets | 9.7666% | 4,429 |
| Core capital (leverage) ratio | 9.4125% | 4,177 |
| Tier 1 risk-based capital ratio | 13.7691% | 4,632 |
| Total risk-based capital ratio | 15.0138% | 4,625 |
| Memoranda: | ||
| Average total assets | $329,678,000 | 1,974 |
| Average earning assets | $301,908,500 | 1,971 |
| Average equity | $32,382,500 | 2,124 |
| Average total loans | $215,544,500 | 1,896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 2,995 |
| Cost of funding earning assets | 1.5874% | 497 |
| Net interest margin | 3.3877% | 5,522 |
| Noninterest income to average assets | 0.5416% | 3,572 |
| Noninterest expense to average assets | 2.3446% | 5,926 |
| Loan and lease loss provision to assets | 0.3688% | 2,780 |
| Net operating income to assets | 0.6869% | 3,547 |
| Return on assets (ROA) | 0.8729% | 2,863 |
| Pretax return on assets | 1.1867% | 2,504 |
| Return on Equity (ROE) | 9.1658% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.1633% | 3,216 |
| Net charge-offs to loans | 0.6816% | 2,452 |
| Credit loss provision to net charge-offs | 79.5756% | 4,473 |
| Earnings coverage of net charge-offs (x) | 2.8137% | 3,807 |
| Efficiency ratio | 64.2574% | 5,082 |
| Assets per employee ($millions) | 4.4793% | 2,949 |
| Cash dividends to net income (ytd only)* | 54.5775% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,086 |
| Loan loss allowance to noncurrent loans | 27.0947% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 4.1928% | 1,345 |
| Noncurrent loans to loans | 5.4874% | 966 |
| Net loans and leases to total assets | 65.5929% | 2,855 |
| Net loans and leases to deposits | 76.5979% | 3,072 |
| Net loans and leases to core deposits | 93.5895% | 1,740 |
| Total domestic deposits to total assets | 85.6328% | 3,522 |
| Equity capital to assets | 9.8793% | 4,328 |
| Core capital (leverage) ratio | 9.4676% | 4,082 |
| Tier 1 risk-based capital ratio | 13.0290% | 5,046 |
| Total risk-based capital ratio | 14.2800% | 5,020 |
| Memoranda: | ||
| Average total assets | $325,349,000 | 1,979 |
| Average earning assets | $298,404,000 | 1,962 |
| Average equity | $30,984,800 | 2,131 |
| Average total loans | $221,260,000 | 1,866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 3,019 |
| Cost of funding earning assets | 1.6147% | 546 |
| Net interest margin | 3.3988% | 5,575 |
| Noninterest income to average assets | 0.5351% | 3,617 |
| Noninterest expense to average assets | 2.3409% | 5,933 |
| Loan and lease loss provision to assets | 0.3693% | 2,642 |
| Net operating income to assets | 0.6962% | 3,641 |
| Return on assets (ROA) | 0.8645% | 3,038 |
| Pretax return on assets | 1.1768% | 2,707 |
| Return on Equity (ROE) | 9.1641% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.6973% | 3,377 |
| Net charge-offs to loans | 0.6908% | 2,187 |
| Credit loss provision to net charge-offs | 78.1929% | 4,202 |
| Earnings coverage of net charge-offs (x) | 2.7854% | 3,739 |
| Efficiency ratio | 64.0220% | 5,066 |
| Assets per employee ($millions) | 4.5589% | 2,828 |
| Cash dividends to net income (ytd only)* | 48.7424% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,299 |
| Loan loss allowance to noncurrent loans | 28.7334% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 4.1472% | 1,474 |
| Noncurrent loans to loans | 5.0766% | 1,217 |
| Net loans and leases to total assets | 67.7931% | 2,521 |
| Net loans and leases to deposits | 79.2689% | 2,766 |
| Net loans and leases to core deposits | 96.5670% | 1,548 |
| Total domestic deposits to total assets | 85.5229% | 3,477 |
| Equity capital to assets | 9.8150% | 4,607 |
| Core capital (leverage) ratio | 9.3663% | 4,353 |
| Tier 1 risk-based capital ratio | 12.5615% | 5,443 |
| Total risk-based capital ratio | 13.8126% | 5,430 |
| Memoranda: | ||
| Average total assets | $324,939,250 | 1,990 |
| Average earning assets | $298,413,750 | 1,967 |
| Average equity | $30,655,000 | 2,158 |
| Average total loans | $222,145,500 | 1,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 2,612 |
| Cost of funding earning assets | 1.6342% | 611 |
| Net interest margin | 3.4803% | 5,245 |
| Noninterest income to average assets | 0.5077% | 3,798 |
| Noninterest expense to average assets | 2.3221% | 6,061 |
| Loan and lease loss provision to assets | 0.3706% | 2,568 |
| Net operating income to assets | 0.7319% | 3,378 |
| Return on assets (ROA) | 0.8671% | 2,876 |
| Pretax return on assets | 1.1987% | 2,488 |
| Return on Equity (ROE) | 9.3183% | 2,375 |
| Retained earnings to average equity (ytd only) | 3.3450% | 4,133 |
| Net charge-offs to loans | 0.9026% | 1,728 |
| Credit loss provision to net charge-offs | 60.1805% | 4,335 |
| Earnings coverage of net charge-offs (x) | 2.2437% | 3,708 |
| Efficiency ratio | 62.6980% | 5,457 |
| Assets per employee ($millions) | 4.3701% | 3,043 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,598 |
| Loan loss allowance to noncurrent loans | 29.5920% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 4.0203% | 1,588 |
| Noncurrent loans to loans | 4.7125% | 1,397 |
| Net loans and leases to total assets | 68.8317% | 2,449 |
| Net loans and leases to deposits | 80.5422% | 2,699 |
| Net loans and leases to core deposits | 96.2706% | 1,653 |
| Total domestic deposits to total assets | 85.4604% | 3,641 |
| Equity capital to assets | 9.5091% | 4,803 |
| Core capital (leverage) ratio | 9.2987% | 4,255 |
| Tier 1 risk-based capital ratio | 12.2835% | 5,534 |
| Total risk-based capital ratio | 13.5339% | 5,518 |
| Memoranda: | ||
| Average total assets | $323,838,000 | 2,000 |
| Average earning assets | $297,387,330 | 1,990 |
| Average equity | $30,134,330 | 2,181 |
| Average total loans | $220,920,670 | 1,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 2,830 |
| Cost of funding earning assets | 1.6335% | 716 |
| Net interest margin | 3.4216% | 5,343 |
| Noninterest income to average assets | 0.5159% | 3,757 |
| Noninterest expense to average assets | 2.3316% | 6,102 |
| Loan and lease loss provision to assets | 0.3703% | 2,339 |
| Net operating income to assets | 0.6967% | 3,528 |
| Return on assets (ROA) | 0.8184% | 2,990 |
| Pretax return on assets | 1.1245% | 2,666 |
| Return on Equity (ROE) | 8.8916% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.8682% | 3,272 |
| Net charge-offs to loans | 0.3112% | 2,803 |
| Credit loss provision to net charge-offs | 176.4706% | 1,653 |
| Earnings coverage of net charge-offs (x) | 6.3294% | 2,120 |
| Efficiency ratio | 63.7099% | 5,410 |
| Assets per employee ($millions) | 4.6083% | 2,718 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,489 |
| Loan loss allowance to noncurrent loans | 42.7391% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 3.1415% | 2,195 |
| Noncurrent loans to loans | 3.8822% | 1,891 |
| Net loans and leases to total assets | 67.4859% | 2,658 |
| Net loans and leases to deposits | 78.2409% | 3,016 |
| Net loans and leases to core deposits | 93.6851% | 1,932 |
| Total domestic deposits to total assets | 86.2540% | 3,360 |
| Equity capital to assets | 9.2783% | 4,767 |
| Core capital (leverage) ratio | 9.2544% | 4,204 |
| Tier 1 risk-based capital ratio | 12.4304% | 5,330 |
| Total risk-based capital ratio | 13.6841% | 5,304 |
| Memoranda: | ||
| Average total assets | $324,064,000 | 2,013 |
| Average earning assets | $297,756,500 | 2,006 |
| Average equity | $29,826,000 | 2,189 |
| Average total loans | $218,511,000 | 1,938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 3,418 |
| Cost of funding earning assets | 2.0366% | 527 |
| Net interest margin | 3.2018% | 6,268 |
| Noninterest income to average assets | 0.5662% | 3,704 |
| Noninterest expense to average assets | 2.3661% | 6,177 |
| Loan and lease loss provision to assets | 0.4264% | 3,555 |
| Net operating income to assets | 0.5502% | 3,888 |
| Return on assets (ROA) | 0.6844% | 3,413 |
| Pretax return on assets | 0.8998% | 3,292 |
| Return on Equity (ROE) | 7.8067% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.7345% | 2,588 |
| Net charge-offs to loans | 0.0993% | 5,867 |
| Credit loss provision to net charge-offs | 633.3333% | 333 |
| Earnings coverage of net charge-offs (x) | 17.0756% | 1,177 |
| Efficiency ratio | 67.2993% | 4,704 |
| Assets per employee ($millions) | 4.6507% | 2,621 |
| Cash dividends to net income (ytd only)* | 39.3529% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 3,415 |
| Loan loss allowance to noncurrent loans | 36.7597% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 3.3313% | 2,120 |
| Noncurrent loans to loans | 4.4706% | 1,586 |
| Net loans and leases to total assets | 65.1544% | 3,636 |
| Net loans and leases to deposits | 75.7002% | 3,886 |
| Net loans and leases to core deposits | 90.8635% | 2,637 |
| Total domestic deposits to total assets | 86.0690% | 3,324 |
| Equity capital to assets | 9.1298% | 4,945 |
| Core capital (leverage) ratio | 9.0586% | 4,440 |
| Tier 1 risk-based capital ratio | 12.3080% | 5,199 |
| Total risk-based capital ratio | 13.5607% | 5,166 |
| Memoranda: | ||
| Average total assets | $334,177,000 | 1,944 |
| Average earning assets | $307,859,000 | 1,937 |
| Average equity | $29,295,400 | 2,226 |
| Average total loans | $226,682,000 | 1,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 3,507 |
| Cost of funding earning assets | 2.0834% | 570 |
| Net interest margin | 3.1821% | 6,404 |
| Noninterest income to average assets | 0.5237% | 3,997 |
| Noninterest expense to average assets | 2.4039% | 6,026 |
| Loan and lease loss provision to assets | 0.4182% | 3,394 |
| Net operating income to assets | 0.4972% | 4,329 |
| Return on assets (ROA) | 0.5819% | 4,109 |
| Pretax return on assets | 0.7425% | 4,109 |
| Return on Equity (ROE) | 6.7056% | 3,477 |
| Retained earnings to average equity (ytd only) | 2.5945% | 4,603 |
| Net charge-offs to loans | 0.0970% | 5,557 |
| Credit loss provision to net charge-offs | 631.7365% | 468 |
| Earnings coverage of net charge-offs (x) | 15.8923% | 1,414 |
| Efficiency ratio | 69.5572% | 4,161 |
| Assets per employee ($millions) | 4.7620% | 2,504 |
| Cash dividends to net income (ytd only)* | 61.3080% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,047 |
| Loan loss allowance to noncurrent loans | 29.8596% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 3.6951% | 1,927 |
| Noncurrent loans to loans | 4.9633% | 1,402 |
| Net loans and leases to total assets | 63.5459% | 4,213 |
| Net loans and leases to deposits | 75.7988% | 4,209 |
| Net loans and leases to core deposits | 91.4321% | 2,885 |
| Total domestic deposits to total assets | 83.8349% | 4,218 |
| Equity capital to assets | 8.8353% | 5,800 |
| Core capital (leverage) ratio | 8.4932% | 5,518 |
| Tier 1 risk-based capital ratio | 11.9963% | 5,468 |
| Total risk-based capital ratio | 13.2476% | 5,434 |
| Memoranda: | ||
| Average total assets | $336,334,250 | 1,968 |
| Average earning assets | $309,935,250 | 1,949 |
| Average equity | $29,188,750 | 2,261 |
| Average total loans | $229,439,250 | 1,926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 3,187 |
| Cost of funding earning assets | 2.1292% | 598 |
| Net interest margin | 3.2265% | 6,233 |
| Noninterest income to average assets | 0.5040% | 4,084 |
| Noninterest expense to average assets | 2.4393% | 5,947 |
| Loan and lease loss provision to assets | 0.3455% | 3,656 |
| Net operating income to assets | 0.5608% | 4,032 |
| Return on assets (ROA) | 0.5671% | 4,158 |
| Pretax return on assets | 0.7011% | 4,235 |
| Return on Equity (ROE) | 6.5744% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.4309% | 4,610 |
| Net charge-offs to loans | -0.5651% | 7,740 |
| Credit loss provision to net charge-offs | -88.0121% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1319% | 4,170 |
| Assets per employee ($millions) | 4.5730% | 2,761 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,570 |
| Loan loss allowance to noncurrent loans | 47.9904% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.5351% | 2,851 |
| Noncurrent loans to loans | 3.2773% | 2,448 |
| Net loans and leases to total assets | 67.1489% | 3,584 |
| Net loans and leases to deposits | 80.0826% | 3,586 |
| Net loans and leases to core deposits | 97.8442% | 2,248 |
| Total domestic deposits to total assets | 83.8496% | 4,176 |
| Equity capital to assets | 8.8398% | 5,689 |
| Core capital (leverage) ratio | 8.5445% | 5,338 |
| Tier 1 risk-based capital ratio | 11.7259% | 5,563 |
| Total risk-based capital ratio | 12.9789% | 5,521 |
| Memoranda: | ||
| Average total assets | $335,746,000 | 1,985 |
| Average earning assets | $309,499,000 | 1,965 |
| Average equity | $28,961,000 | 2,264 |
| Average total loans | $233,225,670 | 1,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4187% | 2,950 |
| Cost of funding earning assets | 2.1669% | 654 |
| Net interest margin | 3.2517% | 6,124 |
| Noninterest income to average assets | 0.4847% | 4,160 |
| Noninterest expense to average assets | 2.3498% | 6,249 |
| Loan and lease loss provision to assets | 0.4396% | 2,765 |
| Net operating income to assets | 0.5546% | 4,115 |
| Return on assets (ROA) | 0.5869% | 4,098 |
| Pretax return on assets | 0.7306% | 4,118 |
| Return on Equity (ROE) | 6.8883% | 3,401 |
| Retained earnings to average equity (ytd only) | 2.7051% | 4,513 |
| Net charge-offs to loans | 0.5797% | 2,358 |
| Credit loss provision to net charge-offs | 108.1871% | 3,181 |
| Earnings coverage of net charge-offs (x) | 2.7807% | 3,159 |
| Efficiency ratio | 67.5316% | 4,815 |
| Assets per employee ($millions) | 4.6249% | 2,756 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,020 |
| Loan loss allowance to noncurrent loans | 63.7855% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.9400% | 3,573 |
| Noncurrent loans to loans | 2.3187% | 3,367 |
| Net loans and leases to total assets | 69.2359% | 3,100 |
| Net loans and leases to deposits | 83.0799% | 3,093 |
| Net loans and leases to core deposits | 101.9370% | 1,916 |
| Total domestic deposits to total assets | 83.3365% | 4,459 |
| Equity capital to assets | 8.6597% | 5,793 |
| Core capital (leverage) ratio | 8.5000% | 5,375 |
| Tier 1 risk-based capital ratio | 11.4696% | 5,703 |
| Total risk-based capital ratio | 12.7215% | 5,685 |
| Memoranda: | ||
| Average total assets | $336,703,500 | 2,033 |
| Average earning assets | $310,113,500 | 2,012 |
| Average equity | $28,686,500 | 2,316 |
| Average total loans | $235,965,500 | 1,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8281% | 2,537 |
| Cost of funding earning assets | 2.5242% | 964 |
| Net interest margin | 3.3039% | 5,723 |
| Noninterest income to average assets | 0.6811% | 3,078 |
| Noninterest expense to average assets | 2.2603% | 6,846 |
| Loan and lease loss provision to assets | 0.6708% | 3,134 |
| Net operating income to assets | 0.4928% | 3,756 |
| Return on assets (ROA) | 0.4099% | 4,198 |
| Pretax return on assets | 0.6475% | 3,756 |
| Return on Equity (ROE) | 4.8686% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.7899% | 2,547 |
| Net charge-offs to loans | 1.0130% | 2,388 |
| Credit loss provision to net charge-offs | 92.4875% | 5,918 |
| Earnings coverage of net charge-offs (x) | 1.9962% | 4,226 |
| Efficiency ratio | 60.9551% | 6,340 |
| Assets per employee ($millions) | 4.6632% | 2,669 |
| Cash dividends to net income (ytd only)* | 22.1566% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 4,093 |
| Loan loss allowance to noncurrent loans | 51.8247% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.2408% | 3,081 |
| Noncurrent loans to loans | 2.7526% | 2,809 |
| Net loans and leases to total assets | 68.8941% | 3,516 |
| Net loans and leases to deposits | 86.4290% | 2,839 |
| Net loans and leases to core deposits | 116.1210% | 2,301 |
| Total domestic deposits to total assets | 79.7118% | 5,768 |
| Equity capital to assets | 8.3830% | 6,074 |
| Core capital (leverage) ratio | 8.2669% | 5,685 |
| Tier 1 risk-based capital ratio | 11.1981% | 5,722 |
| Total risk-based capital ratio | 12.4496% | 5,674 |
| Memoranda: | ||
| Average total assets | $330,359,400 | 2,050 |
| Average earning assets | $302,673,800 | 2,053 |
| Average equity | $27,810,800 | 2,393 |
| Average total loans | $236,529,000 | 1,983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9151% | 2,383 |
| Cost of funding earning assets | 2.5803% | 1,073 |
| Net interest margin | 3.3348% | 5,510 |
| Noninterest income to average assets | 0.6479% | 3,359 |
| Noninterest expense to average assets | 2.2677% | 6,790 |
| Loan and lease loss provision to assets | 0.5596% | 3,149 |
| Net operating income to assets | 0.5092% | 3,945 |
| Return on assets (ROA) | 0.3140% | 4,849 |
| Pretax return on assets | 0.5657% | 4,314 |
| Return on Equity (ROE) | 3.7254% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.7254% | 3,203 |
| Net charge-offs to loans | 0.6723% | 2,676 |
| Credit loss provision to net charge-offs | 115.5332% | 4,395 |
| Earnings coverage of net charge-offs (x) | 2.9530% | 3,752 |
| Efficiency ratio | 61.3219% | 6,226 |
| Assets per employee ($millions) | 4.7852% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,128 |
| Loan loss allowance to noncurrent loans | 99.8659% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 4,104 |
| Noncurrent loans to loans | 1.5699% | 4,283 |
| Net loans and leases to total assets | 69.7804% | 3,569 |
| Net loans and leases to deposits | 87.3780% | 3,079 |
| Net loans and leases to core deposits | 114.0364% | 2,825 |
| Total domestic deposits to total assets | 79.8603% | 5,489 |
| Equity capital to assets | 8.5795% | 6,137 |
| Core capital (leverage) ratio | 8.3255% | 5,795 |
| Tier 1 risk-based capital ratio | 11.0920% | 5,859 |
| Total risk-based capital ratio | 12.3448% | 5,813 |
| Memoranda: | ||
| Average total assets | $327,845,500 | 2,083 |
| Average earning assets | $299,859,000 | 2,090 |
| Average equity | $27,629,250 | 2,422 |
| Average total loans | $236,181,250 | 2,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8915% | 2,624 |
| Cost of funding earning assets | 2.5987% | 1,285 |
| Net interest margin | 3.2928% | 5,581 |
| Noninterest income to average assets | 0.6759% | 3,143 |
| Noninterest expense to average assets | 2.2570% | 6,900 |
| Loan and lease loss provision to assets | 0.5936% | 2,664 |
| Net operating income to assets | 0.4143% | 4,450 |
| Return on assets (ROA) | 0.1186% | 5,609 |
| Pretax return on assets | 0.3834% | 4,982 |
| Return on Equity (ROE) | 1.4160% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.4160% | 4,544 |
| Net charge-offs to loans | 0.6074% | 2,521 |
| Credit loss provision to net charge-offs | 134.9162% | 3,454 |
| Earnings coverage of net charge-offs (x) | 3.2709% | 3,507 |
| Efficiency ratio | 61.0640% | 6,389 |
| Assets per employee ($millions) | 4.5481% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,086 |
| Loan loss allowance to noncurrent loans | 103.1474% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 4,122 |
| Noncurrent loans to loans | 1.4743% | 4,282 |
| Net loans and leases to total assets | 70.3155% | 3,622 |
| Net loans and leases to deposits | 88.3721% | 3,116 |
| Net loans and leases to core deposits | 111.0796% | 3,246 |
| Total domestic deposits to total assets | 79.5676% | 5,615 |
| Equity capital to assets | 8.3277% | 6,297 |
| Core capital (leverage) ratio | 8.2080% | 5,970 |
| Tier 1 risk-based capital ratio | 10.7632% | 6,122 |
| Total risk-based capital ratio | 12.0152% | 6,055 |
| Memoranda: | ||
| Average total assets | $325,473,670 | 2,120 |
| Average earning assets | $298,530,330 | 2,123 |
| Average equity | $27,259,670 | 2,452 |
| Average total loans | $235,755,000 | 2,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9221% | 2,687 |
| Cost of funding earning assets | 2.6539% | 1,396 |
| Net interest margin | 3.2681% | 5,624 |
| Noninterest income to average assets | 0.5102% | 4,229 |
| Noninterest expense to average assets | 2.0782% | 7,173 |
| Loan and lease loss provision to assets | 0.6393% | 1,976 |
| Net operating income to assets | 0.8777% | 2,806 |
| Return on assets (ROA) | 0.3786% | 5,134 |
| Pretax return on assets | 0.2793% | 5,733 |
| Return on Equity (ROE) | 4.5077% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.5077% | 3,424 |
| Net charge-offs to loans | 0.3182% | 2,828 |
| Credit loss provision to net charge-offs | 275.4011% | 1,739 |
| Earnings coverage of net charge-offs (x) | 6.1070% | 2,540 |
| Efficiency ratio | 59.4460% | 6,490 |
| Assets per employee ($millions) | 4.7409% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 2,610 |
| Loan loss allowance to noncurrent loans | 95.0942% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 3,646 |
| Noncurrent loans to loans | 1.6598% | 3,783 |
| Net loans and leases to total assets | 72.2996% | 3,177 |
| Net loans and leases to deposits | 91.2600% | 2,733 |
| Net loans and leases to core deposits | 114.4356% | 2,964 |
| Total domestic deposits to total assets | 79.2238% | 5,635 |
| Equity capital to assets | 8.5036% | 6,064 |
| Core capital (leverage) ratio | 8.5862% | 5,365 |
| Tier 1 risk-based capital ratio | 11.2635% | 5,633 |
| Total risk-based capital ratio | 12.5170% | 5,541 |
| Memoranda: | ||
| Average total assets | $322,204,500 | 2,149 |
| Average earning assets | $294,356,500 | 2,158 |
| Average equity | $27,065,000 | 2,485 |
| Average total loans | $235,102,000 | 2,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6775% | 2,116 |
| Cost of funding earning assets | 3.2279% | 1,104 |
| Net interest margin | 3.4496% | 5,469 |
| Noninterest income to average assets | 0.5102% | 4,541 |
| Noninterest expense to average assets | 2.1214% | 7,185 |
| Loan and lease loss provision to assets | 2.5658% | 401 |
| Net operating income to assets | -0.4013% | 6,825 |
| Return on assets (ROA) | -0.2872% | 6,578 |
| Pretax return on assets | -0.8397% | 6,902 |
| Return on Equity (ROE) | -3.8106% | 6,720 |
| Retained earnings to average equity (ytd only) | -8.6580% | 6,936 |
| Net charge-offs to loans | 0.2531% | 3,747 |
| Credit loss provision to net charge-offs | 1,399.6534% | 326 |
| Earnings coverage of net charge-offs (x) | 8.4437% | 2,881 |
| Efficiency ratio | 57.8145% | 6,730 |
| Assets per employee ($millions) | 4.9510% | 1,993 |
| Cash dividends to net income (ytd only)* | -127.2124% | 8,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 3,104 |
| Loan loss allowance to noncurrent loans | 232.8244% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 5,104 |
| Noncurrent loans to loans | 0.6084% | 5,548 |
| Net loans and leases to total assets | 71.4613% | 3,695 |
| Net loans and leases to deposits | 90.4360% | 3,381 |
| Net loans and leases to core deposits | 105.4030% | 4,257 |
| Total domestic deposits to total assets | 79.0187% | 5,374 |
| Equity capital to assets | 8.2992% | 6,426 |
| Core capital (leverage) ratio | 8.2610% | 6,031 |
| Tier 1 risk-based capital ratio | 10.9702% | 5,752 |
| Total risk-based capital ratio | 12.2216% | 5,660 |
| Memoranda: | ||
| Average total assets | $314,750,400 | 2,123 |
| Average earning assets | $288,237,600 | 2,115 |
| Average equity | $23,723,600 | 2,760 |
| Average total loans | $227,952,000 | 2,063 |