Home > Dayspring Bank > Performance and Condition Ratios
Dayspring 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 | 5.2465% | 1,583 |
| Cost of funding earning assets | 3.6491% | 61 |
| Net interest margin | 1.5974% | 4,499 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.0853% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2633% | 4,078 |
| Return on assets (ROA) | 0.2296% | 4,137 |
| Pretax return on assets | 0.1674% | 4,224 |
| Return on Equity (ROE) | 2.7000% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.7027% | 3,378 |
| Net charge-offs to loans | -0.0168% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.2047% | 381 |
| Assets per employee ($millions) | 9.7073% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 689 |
| Loan loss allowance to noncurrent loans | 110.3083% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 402 |
| Noncurrent loans to loans | 1.5268% | 444 |
| Net loans and leases to total assets | 72.6300% | 1,511 |
| Net loans and leases to deposits | 101.4595% | 460 |
| Net loans and leases to core deposits | 121.0072% | 592 |
| Total domestic deposits to total assets | 71.5900% | 4,240 |
| Equity capital to assets | 9.6561% | 2,235 |
| Core capital (leverage) ratio | 10.2580% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,009,962,600 | 979 |
| Average earning assets | $953,373,200 | 948 |
| Average equity | $85,803,400 | 1,075 |
| Average total loans | $712,200,800 | 942 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 1,520 |
| Cost of funding earning assets | 3.4921% | 60 |
| Net interest margin | 1.6717% | 4,505 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 1.8381% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3561% | 4,037 |
| Return on assets (ROA) | 0.3495% | 4,053 |
| Pretax return on assets | 0.4160% | 4,040 |
| Return on Equity (ROE) | 4.2500% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.2542% | 3,188 |
| Net charge-offs to loans | -0.0205% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.2620% | 785 |
| Assets per employee ($millions) | 10.0763% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 716 |
| Loan loss allowance to noncurrent loans | 90.1613% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 311 |
| Noncurrent loans to loans | 1.8744% | 337 |
| Net loans and leases to total assets | 68.3100% | 2,012 |
| Net loans and leases to deposits | 97.4431% | 647 |
| Net loans and leases to core deposits | 118.8721% | 582 |
| Total domestic deposits to total assets | 70.1100% | 4,322 |
| Equity capital to assets | 8.0198% | 3,047 |
| Core capital (leverage) ratio | 9.3632% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,017,344,750 | 971 |
| Average earning assets | $959,891,750 | 941 |
| Average equity | $83,586,250 | 1,089 |
| Average total loans | $709,168,250 | 943 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 1,511 |
| Cost of funding earning assets | 3.2791% | 51 |
| Net interest margin | 1.7521% | 4,549 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 1.8153% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4561% | 3,905 |
| Return on assets (ROA) | 0.4447% | 3,931 |
| Pretax return on assets | 0.5358% | 3,902 |
| Return on Equity (ROE) | 5.3700% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.3689% | 2,835 |
| Net charge-offs to loans | -0.0286% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.7660% | 1,107 |
| Assets per employee ($millions) | 10.1770% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 764 |
| Loan loss allowance to noncurrent loans | 109.5225% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 396 |
| Noncurrent loans to loans | 1.5474% | 420 |
| Net loans and leases to total assets | 68.7400% | 1,876 |
| Net loans and leases to deposits | 96.3935% | 710 |
| Net loans and leases to core deposits | 117.4607% | 589 |
| Total domestic deposits to total assets | 71.3100% | 4,317 |
| Equity capital to assets | 8.2231% | 3,071 |
| Core capital (leverage) ratio | 9.3055% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,010,508,333 | 966 |
| Average earning assets | $954,419,667 | 935 |
| Average equity | $83,703,667 | 1,084 |
| Average total loans | $705,165,000 | 932 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,420 |
| Cost of funding earning assets | 2.9551% | 38 |
| Net interest margin | 1.9409% | 4,579 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 1.7999% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6616% | 3,546 |
| Return on assets (ROA) | 0.6532% | 3,533 |
| Pretax return on assets | 0.8021% | 3,459 |
| Return on Equity (ROE) | 7.8600% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.8565% | 2,262 |
| Net charge-offs to loans | -0.0143% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8981% | 1,870 |
| Assets per employee ($millions) | 10.3169% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 804 |
| Loan loss allowance to noncurrent loans | 114.2318% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 344 |
| Noncurrent loans to loans | 1.4918% | 434 |
| Net loans and leases to total assets | 68.3600% | 1,797 |
| Net loans and leases to deposits | 94.4396% | 765 |
| Net loans and leases to core deposits | 135.3161% | 225 |
| Total domestic deposits to total assets | 72.3800% | 4,349 |
| Equity capital to assets | 8.1953% | 3,112 |
| Core capital (leverage) ratio | 9.3835% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,001,826,000 | 989 |
| Average earning assets | $946,154,500 | 958 |
| Average equity | $83,294,000 | 1,104 |
| Average total loans | $698,394,000 | 958 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 1,162 |
| Cost of funding earning assets | 1.1949% | 71 |
| Net interest margin | 3.0520% | 3,309 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.6459% | 4,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2676% | 1,538 |
| Return on assets (ROA) | 1.2654% | 1,495 |
| Pretax return on assets | 1.5725% | 1,233 |
| Return on Equity (ROE) | 13.6100% | 1,624 |
| Retained earnings to average equity (ytd only) | 13.6143% | 436 |
| Net charge-offs to loans | 0.1761% | 470 |
| Credit loss provision to net charge-offs | 54.0541% | 1,803 |
| Earnings coverage of net charge-offs (x) | 13.3676% | 2,071 |
| Efficiency ratio | 50.0656% | 4,124 |
| Assets per employee ($millions) | 9.9220% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,795 |
| Loan loss allowance to noncurrent loans | 189.6991% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 886 |
| Noncurrent loans to loans | 0.6972% | 1,075 |
| Net loans and leases to total assets | 68.9600% | 1,733 |
| Net loans and leases to deposits | 99.7849% | 444 |
| Net loans and leases to core deposits | 131.2768% | 211 |
| Total domestic deposits to total assets | 69.1100% | 4,489 |
| Equity capital to assets | 8.4378% | 2,750 |
| Core capital (leverage) ratio | 9.6949% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $903,858,800 | 1,074 |
| Average earning assets | $854,059,400 | 1,055 |
| Average equity | $84,007,400 | 1,089 |
| Average total loans | $630,298,200 | 998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 977 |
| Cost of funding earning assets | 0.4817% | 581 |
| Net interest margin | 3.4914% | 1,336 |
| Noninterest income to average assets | 0.4857% | 2,280 |
| Noninterest expense to average assets | 1.6355% | 4,247 |
| Loan and lease loss provision to assets | 0.0694% | 1,371 |
| Net operating income to assets | 1.6823% | 446 |
| Return on assets (ROA) | 1.6869% | 432 |
| Pretax return on assets | 2.1018% | 293 |
| Return on Equity (ROE) | 17.0503% | 563 |
| Retained earnings to average equity (ytd only) | 17.0503% | 148 |
| Net charge-offs to loans | 0.0073% | 1,731 |
| Credit loss provision to net charge-offs | 1,363.6364% | 328 |
| Earnings coverage of net charge-offs (x) | 425.1818% | 298 |
| Efficiency ratio | 43.0294% | 4,539 |
| Assets per employee ($millions) | 8.7247% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 1,124 |
| Loan loss allowance to noncurrent loans | 70.3981% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 212 |
| Noncurrent loans to loans | 2.2883% | 267 |
| Net loans and leases to total assets | 69.0713% | 1,388 |
| Net loans and leases to deposits | 98.3154% | 331 |
| Net loans and leases to core deposits | 111.4741% | 326 |
| Total domestic deposits to total assets | 70.2548% | 4,615 |
| Equity capital to assets | 9.2612% | 2,195 |
| Core capital (leverage) ratio | 10.3661% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $863,945,667 | 1,123 |
| Average earning assets | $820,366,667 | 1,092 |
| Average equity | $85,476,667 | 1,106 |
| Average total loans | $603,950,667 | 1,018 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 926 |
| Cost of funding earning assets | 0.3578% | 1,145 |
| Net interest margin | 3.5411% | 1,005 |
| Noninterest income to average assets | 0.4927% | 2,183 |
| Noninterest expense to average assets | 1.5983% | 4,302 |
| Loan and lease loss provision to assets | 0.0698% | 1,176 |
| Net operating income to assets | 1.7581% | 358 |
| Return on assets (ROA) | 1.7723% | 350 |
| Pretax return on assets | 2.2129% | 253 |
| Return on Equity (ROE) | 17.3502% | 386 |
| Retained earnings to average equity (ytd only) | 17.3502% | 163 |
| Net charge-offs to loans | -0.0220% | 3,963 |
| Credit loss provision to net charge-offs | -454.5455% | 3,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3706% | 4,619 |
| Assets per employee ($millions) | 8.9711% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,206 |
| Loan loss allowance to noncurrent loans | 90.1227% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 337 |
| Noncurrent loans to loans | 1.8033% | 428 |
| Net loans and leases to total assets | 68.6811% | 1,139 |
| Net loans and leases to deposits | 95.6091% | 292 |
| Net loans and leases to core deposits | 110.5638% | 246 |
| Total domestic deposits to total assets | 71.8353% | 4,630 |
| Equity capital to assets | 10.0169% | 1,877 |
| Core capital (leverage) ratio | 10.3297% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $859,683,000 | 1,130 |
| Average earning assets | $818,272,000 | 1,098 |
| Average equity | $87,814,500 | 1,105 |
| Average total loans | $599,679,000 | 1,021 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 775 |
| Cost of funding earning assets | 0.3934% | 1,590 |
| Net interest margin | 3.9643% | 761 |
| Noninterest income to average assets | 0.5063% | 2,532 |
| Noninterest expense to average assets | 1.7275% | 4,260 |
| Loan and lease loss provision to assets | 0.0755% | 1,608 |
| Net operating income to assets | 1.9752% | 352 |
| Return on assets (ROA) | 2.1404% | 286 |
| Pretax return on assets | 2.6662% | 211 |
| Return on Equity (ROE) | 19.5969% | 334 |
| Retained earnings to average equity (ytd only) | 13.8375% | 321 |
| Net charge-offs to loans | -0.0064% | 3,615 |
| Credit loss provision to net charge-offs | -1,764.7059% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5259% | 4,676 |
| Assets per employee ($millions) | 9.1291% | 878 |
| Cash dividends to net income (ytd only)* | 29.3893% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,247 |
| Loan loss allowance to noncurrent loans | 183.4864% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 1,080 |
| Noncurrent loans to loans | 0.8738% | 1,166 |
| Net loans and leases to total assets | 68.5783% | 1,201 |
| Net loans and leases to deposits | 95.7826% | 325 |
| Net loans and leases to core deposits | 113.2254% | 239 |
| Total domestic deposits to total assets | 71.5978% | 4,651 |
| Equity capital to assets | 10.4133% | 2,253 |
| Core capital (leverage) ratio | 10.0892% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $794,848,600 | 1,164 |
| Average earning assets | $753,165,800 | 1,147 |
| Average equity | $86,814,600 | 1,132 |
| Average total loans | $527,987,600 | 1,115 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 657 |
| Cost of funding earning assets | 0.4082% | 1,636 |
| Net interest margin | 4.1045% | 649 |
| Noninterest income to average assets | 0.5472% | 2,421 |
| Noninterest expense to average assets | 1.7161% | 4,304 |
| Loan and lease loss provision to assets | 0.0770% | 1,523 |
| Net operating income to assets | 2.1179% | 379 |
| Return on assets (ROA) | 2.3155% | 279 |
| Pretax return on assets | 2.8832% | 203 |
| Return on Equity (ROE) | 20.9313% | 364 |
| Retained earnings to average equity (ytd only) | 20.9313% | 106 |
| Net charge-offs to loans | -0.0167% | 3,894 |
| Credit loss provision to net charge-offs | -703.1250% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7442% | 4,753 |
| Assets per employee ($millions) | 8.8241% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,104 |
| Loan loss allowance to noncurrent loans | 151.0689% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 961 |
| Noncurrent loans to loans | 1.1263% | 995 |
| Net loans and leases to total assets | 65.9537% | 1,557 |
| Net loans and leases to deposits | 91.6954% | 511 |
| Net loans and leases to core deposits | 117.8037% | 207 |
| Total domestic deposits to total assets | 71.9269% | 4,685 |
| Equity capital to assets | 11.1590% | 1,911 |
| Core capital (leverage) ratio | 10.3755% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $779,026,000 | 1,199 |
| Average earning assets | $736,823,750 | 1,178 |
| Average equity | $86,178,000 | 1,158 |
| Average total loans | $510,463,000 | 1,165 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 504 |
| Cost of funding earning assets | 0.4228% | 1,718 |
| Net interest margin | 4.3189% | 476 |
| Noninterest income to average assets | 0.5282% | 2,497 |
| Noninterest expense to average assets | 1.7462% | 4,287 |
| Loan and lease loss provision to assets | 0.0787% | 1,533 |
| Net operating income to assets | 2.2385% | 317 |
| Return on assets (ROA) | 2.5232% | 226 |
| Pretax return on assets | 3.1409% | 160 |
| Return on Equity (ROE) | 22.8814% | 267 |
| Retained earnings to average equity (ytd only) | 22.8814% | 96 |
| Net charge-offs to loans | 0.0032% | 2,064 |
| Credit loss provision to net charge-offs | 3,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,364.2500% | 87 |
| Efficiency ratio | 37.8792% | 4,805 |
| Assets per employee ($millions) | 8.8736% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 949 |
| Loan loss allowance to noncurrent loans | 139.6617% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 904 |
| Noncurrent loans to loans | 1.2610% | 942 |
| Net loans and leases to total assets | 63.8783% | 1,962 |
| Net loans and leases to deposits | 90.9412% | 593 |
| Net loans and leases to core deposits | 117.6199% | 245 |
| Total domestic deposits to total assets | 70.2413% | 4,752 |
| Equity capital to assets | 10.9964% | 1,977 |
| Core capital (leverage) ratio | 10.2756% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $762,212,000 | 1,214 |
| Average earning assets | $720,372,667 | 1,199 |
| Average equity | $84,050,667 | 1,172 |
| Average total loans | $495,106,000 | 1,196 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 354 |
| Cost of funding earning assets | 0.4391% | 1,807 |
| Net interest margin | 4.5603% | 329 |
| Noninterest income to average assets | 0.6425% | 2,057 |
| Noninterest expense to average assets | 1.7810% | 4,249 |
| Loan and lease loss provision to assets | 0.0811% | 1,594 |
| Net operating income to assets | 2.4797% | 275 |
| Return on assets (ROA) | 2.7692% | 209 |
| Pretax return on assets | 3.4501% | 151 |
| Return on Equity (ROE) | 25.0741% | 256 |
| Retained earnings to average equity (ytd only) | 25.0741% | 141 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9773% | 4,847 |
| Assets per employee ($millions) | 8.6457% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 857 |
| Loan loss allowance to noncurrent loans | 98.3049% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 563 |
| Noncurrent loans to loans | 1.8429% | 618 |
| Net loans and leases to total assets | 63.4204% | 2,111 |
| Net loans and leases to deposits | 88.4836% | 794 |
| Net loans and leases to core deposits | 115.5710% | 293 |
| Total domestic deposits to total assets | 71.6748% | 4,725 |
| Equity capital to assets | 10.7251% | 2,060 |
| Core capital (leverage) ratio | 10.5824% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $739,569,500 | 1,234 |
| Average earning assets | $698,632,000 | 1,217 |
| Average equity | $81,678,000 | 1,186 |
| Average total loans | $480,128,000 | 1,219 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 444 |
| Cost of funding earning assets | 0.8141% | 1,152 |
| Net interest margin | 4.2340% | 587 |
| Noninterest income to average assets | 0.7866% | 1,572 |
| Noninterest expense to average assets | 1.8875% | 4,337 |
| Loan and lease loss provision to assets | 0.4677% | 577 |
| Net operating income to assets | 1.9393% | 296 |
| Return on assets (ROA) | 2.2058% | 194 |
| Pretax return on assets | 2.7302% | 145 |
| Return on Equity (ROE) | 18.9695% | 280 |
| Retained earnings to average equity (ytd only) | 13.6071% | 206 |
| Net charge-offs to loans | 0.0119% | 2,901 |
| Credit loss provision to net charge-offs | 5,882.3529% | 189 |
| Earnings coverage of net charge-offs (x) | 360.8431% | 304 |
| Efficiency ratio | 39.6840% | 4,877 |
| Assets per employee ($millions) | 8.2474% | 950 |
| Cash dividends to net income (ytd only)* | 28.2686% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 640 |
| Loan loss allowance to noncurrent loans | 106.0265% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 565 |
| Noncurrent loans to loans | 1.8454% | 667 |
| Net loans and leases to total assets | 64.0081% | 2,365 |
| Net loans and leases to deposits | 89.1310% | 993 |
| Net loans and leases to core deposits | 110.1971% | 500 |
| Total domestic deposits to total assets | 71.8135% | 4,715 |
| Equity capital to assets | 11.3979% | 1,961 |
| Core capital (leverage) ratio | 10.6652% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,480,200 | 1,267 |
| Average earning assets | $601,436,800 | 1,258 |
| Average equity | $74,593,400 | 1,225 |
| Average total loans | $429,528,000 | 1,274 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 526 |
| Cost of funding earning assets | 0.9027% | 1,063 |
| Net interest margin | 4.1741% | 773 |
| Noninterest income to average assets | 0.8916% | 1,252 |
| Noninterest expense to average assets | 1.8842% | 4,356 |
| Loan and lease loss provision to assets | 0.4469% | 729 |
| Net operating income to assets | 1.9954% | 299 |
| Return on assets (ROA) | 2.2162% | 219 |
| Pretax return on assets | 2.7441% | 144 |
| Return on Equity (ROE) | 18.9533% | 300 |
| Retained earnings to average equity (ytd only) | 18.9533% | 96 |
| Net charge-offs to loans | 0.0802% | 1,502 |
| Credit loss provision to net charge-offs | 826.7717% | 959 |
| Earnings coverage of net charge-offs (x) | 53.9961% | 1,151 |
| Efficiency ratio | 39.2335% | 4,909 |
| Assets per employee ($millions) | 7.8645% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 855 |
| Loan loss allowance to noncurrent loans | 74.3068% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.7670% | 433 |
| Noncurrent loans to loans | 2.3209% | 475 |
| Net loans and leases to total assets | 65.3962% | 2,592 |
| Net loans and leases to deposits | 90.7702% | 1,189 |
| Net loans and leases to core deposits | 106.8808% | 809 |
| Total domestic deposits to total assets | 72.0459% | 4,683 |
| Equity capital to assets | 11.6142% | 1,928 |
| Core capital (leverage) ratio | 11.0531% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,592,750 | 1,276 |
| Average earning assets | $587,102,750 | 1,264 |
| Average equity | $73,266,000 | 1,235 |
| Average total loans | $422,492,250 | 1,286 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 384 |
| Cost of funding earning assets | 1.0488% | 842 |
| Net interest margin | 4.3753% | 651 |
| Noninterest income to average assets | 1.0257% | 936 |
| Noninterest expense to average assets | 1.9358% | 4,354 |
| Loan and lease loss provision to assets | 0.4939% | 736 |
| Net operating income to assets | 2.1741% | 229 |
| Return on assets (ROA) | 2.3530% | 192 |
| Pretax return on assets | 2.9171% | 128 |
| Return on Equity (ROE) | 20.0732% | 241 |
| Retained earnings to average equity (ytd only) | 20.0732% | 91 |
| Net charge-offs to loans | 0.1662% | 895 |
| Credit loss provision to net charge-offs | 438.5965% | 1,328 |
| Earnings coverage of net charge-offs (x) | 28.3275% | 1,471 |
| Efficiency ratio | 37.7658% | 4,956 |
| Assets per employee ($millions) | 7.7202% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,034 |
| Loan loss allowance to noncurrent loans | 47.3371% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.3322% | 261 |
| Noncurrent loans to loans | 3.3561% | 252 |
| Net loans and leases to total assets | 66.8396% | 2,515 |
| Net loans and leases to deposits | 96.2178% | 777 |
| Net loans and leases to core deposits | 114.8988% | 567 |
| Total domestic deposits to total assets | 69.4669% | 4,804 |
| Equity capital to assets | 11.3810% | 2,054 |
| Core capital (leverage) ratio | 10.7834% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $607,385,667 | 1,281 |
| Average earning assets | $569,199,667 | 1,271 |
| Average equity | $71,199,333 | 1,248 |
| Average total loans | $411,555,667 | 1,300 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 621 |
| Cost of funding earning assets | 1.2558% | 644 |
| Net interest margin | 3.9791% | 1,444 |
| Noninterest income to average assets | 1.2820% | 537 |
| Noninterest expense to average assets | 1.9071% | 4,537 |
| Loan and lease loss provision to assets | 0.3108% | 998 |
| Net operating income to assets | 2.2322% | 172 |
| Return on assets (ROA) | 2.3118% | 167 |
| Pretax return on assets | 2.8775% | 108 |
| Return on Equity (ROE) | 19.3978% | 192 |
| Retained earnings to average equity (ytd only) | 19.3978% | 68 |
| Net charge-offs to loans | -0.0306% | 4,480 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1723% | 5,008 |
| Assets per employee ($millions) | 6.8507% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,001 |
| Loan loss allowance to noncurrent loans | 45.2396% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.3802% | 303 |
| Noncurrent loans to loans | 3.5972% | 252 |
| Net loans and leases to total assets | 65.0367% | 2,939 |
| Net loans and leases to deposits | 102.5258% | 429 |
| Net loans and leases to core deposits | 114.1407% | 659 |
| Total domestic deposits to total assets | 63.4345% | 5,001 |
| Equity capital to assets | 11.6583% | 2,323 |
| Core capital (leverage) ratio | 11.6644% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $579,112,000 | 1,293 |
| Average earning assets | $540,519,000 | 1,288 |
| Average equity | $69,018,000 | 1,277 |
| Average total loans | $391,866,500 | 1,314 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 859 |
| Cost of funding earning assets | 1.5345% | 360 |
| Net interest margin | 3.7418% | 2,688 |
| Noninterest income to average assets | 0.5899% | 2,271 |
| Noninterest expense to average assets | 2.0132% | 4,513 |
| Loan and lease loss provision to assets | 0.2272% | 848 |
| Net operating income to assets | 1.5183% | 1,007 |
| Return on assets (ROA) | 1.5807% | 929 |
| Pretax return on assets | 1.8981% | 749 |
| Return on Equity (ROE) | 12.9848% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.7646% | 1,497 |
| Net charge-offs to loans | 0.0918% | 1,811 |
| Credit loss provision to net charge-offs | 341.8803% | 813 |
| Earnings coverage of net charge-offs (x) | 30.8547% | 1,553 |
| Efficiency ratio | 49.5458% | 4,753 |
| Assets per employee ($millions) | 6.3139% | 1,407 |
| Cash dividends to net income (ytd only)* | 47.9042% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 1,068 |
| Loan loss allowance to noncurrent loans | 50.0500% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 348 |
| Noncurrent loans to loans | 3.1155% | 291 |
| Net loans and leases to total assets | 68.2406% | 2,648 |
| Net loans and leases to deposits | 103.1248% | 412 |
| Net loans and leases to core deposits | 113.8960% | 677 |
| Total domestic deposits to total assets | 66.1729% | 5,024 |
| Equity capital to assets | 12.2406% | 1,987 |
| Core capital (leverage) ratio | 11.5738% | 2,059 |
| Tier 1 risk-based capital ratio | 13.0801% | 3,756 |
| Total risk-based capital ratio | 14.3305% | 3,631 |
| Memoranda: | ||
| Average total assets | $528,254,000 | 1,360 |
| Average earning assets | $490,383,400 | 1,353 |
| Average equity | $64,305,800 | 1,310 |
| Average total loans | $382,249,600 | 1,316 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 856 |
| Cost of funding earning assets | 1.5639% | 337 |
| Net interest margin | 3.7406% | 2,784 |
| Noninterest income to average assets | 0.6541% | 1,970 |
| Noninterest expense to average assets | 2.0211% | 4,511 |
| Loan and lease loss provision to assets | 0.1534% | 1,223 |
| Net operating income to assets | 1.6119% | 905 |
| Return on assets (ROA) | 1.6731% | 829 |
| Pretax return on assets | 2.0296% | 647 |
| Return on Equity (ROE) | 13.7644% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.3497% | 2,709 |
| Net charge-offs to loans | -0.0486% | 4,828 |
| Credit loss provision to net charge-offs | -431.6547% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9442% | 4,800 |
| Assets per employee ($millions) | 6.1290% | 1,513 |
| Cash dividends to net income (ytd only)* | 61.1340% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,251 |
| Loan loss allowance to noncurrent loans | 52.0113% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2104% | 360 |
| Noncurrent loans to loans | 2.8839% | 353 |
| Net loans and leases to total assets | 71.7868% | 2,206 |
| Net loans and leases to deposits | 108.6890% | 248 |
| Net loans and leases to core deposits | 123.9898% | 408 |
| Total domestic deposits to total assets | 66.0479% | 5,095 |
| Equity capital to assets | 12.3367% | 2,018 |
| Core capital (leverage) ratio | 11.3744% | 2,321 |
| Tier 1 risk-based capital ratio | 12.2716% | 4,270 |
| Total risk-based capital ratio | 13.4749% | 4,179 |
| Memoranda: | ||
| Average total assets | $521,411,250 | 1,375 |
| Average earning assets | $484,433,250 | 1,371 |
| Average equity | $63,379,250 | 1,322 |
| Average total loans | $381,520,000 | 1,330 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 975 |
| Cost of funding earning assets | 1.5407% | 327 |
| Net interest margin | 3.6637% | 3,054 |
| Noninterest income to average assets | 0.6478% | 1,931 |
| Noninterest expense to average assets | 2.0506% | 4,517 |
| Loan and lease loss provision to assets | 0.0780% | 2,254 |
| Net operating income to assets | 1.5608% | 992 |
| Return on assets (ROA) | 1.5874% | 980 |
| Pretax return on assets | 1.9526% | 751 |
| Return on Equity (ROE) | 13.0539% | 1,219 |
| Retained earnings to average equity (ytd only) | 0.2182% | 4,633 |
| Net charge-offs to loans | -0.0608% | 4,879 |
| Credit loss provision to net charge-offs | -175.4386% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6506% | 4,745 |
| Assets per employee ($millions) | 6.0276% | 1,521 |
| Cash dividends to net income (ytd only)* | 98.3284% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,699 |
| Loan loss allowance to noncurrent loans | 51.7548% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 429 |
| Noncurrent loans to loans | 2.6644% | 414 |
| Net loans and leases to total assets | 72.9374% | 2,071 |
| Net loans and leases to deposits | 113.0280% | 165 |
| Net loans and leases to core deposits | 130.5057% | 319 |
| Total domestic deposits to total assets | 64.5304% | 5,161 |
| Equity capital to assets | 11.9376% | 2,237 |
| Core capital (leverage) ratio | 11.3251% | 2,314 |
| Tier 1 risk-based capital ratio | 12.2849% | 4,247 |
| Total risk-based capital ratio | 13.4511% | 4,178 |
| Memoranda: | ||
| Average total assets | $512,539,670 | 1,395 |
| Average earning assets | $475,742,670 | 1,396 |
| Average equity | $62,326,330 | 1,328 |
| Average total loans | $374,775,330 | 1,350 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 686 |
| Cost of funding earning assets | 1.5161% | 309 |
| Net interest margin | 3.8417% | 2,375 |
| Noninterest income to average assets | 0.4834% | 2,660 |
| Noninterest expense to average assets | 2.0624% | 4,527 |
| Loan and lease loss provision to assets | 0.0799% | 2,096 |
| Net operating income to assets | 1.5446% | 1,018 |
| Return on assets (ROA) | 1.5590% | 1,015 |
| Pretax return on assets | 1.9082% | 782 |
| Return on Equity (ROE) | 12.6957% | 1,326 |
| Retained earnings to average equity (ytd only) | -13.3334% | 5,180 |
| Net charge-offs to loans | -0.3442% | 5,235 |
| Credit loss provision to net charge-offs | -31.9489% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1393% | 4,749 |
| Assets per employee ($millions) | 5.9287% | 1,605 |
| Cash dividends to net income (ytd only)* | 205.0231% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,315 |
| Loan loss allowance to noncurrent loans | 63.5772% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8792% | 548 |
| Noncurrent loans to loans | 2.3715% | 565 |
| Net loans and leases to total assets | 72.2043% | 2,120 |
| Net loans and leases to deposits | 107.3124% | 283 |
| Net loans and leases to core deposits | 122.9345% | 448 |
| Total domestic deposits to total assets | 67.2842% | 5,188 |
| Equity capital to assets | 12.1108% | 1,958 |
| Core capital (leverage) ratio | 11.1638% | 2,418 |
| Tier 1 risk-based capital ratio | 12.8449% | 3,959 |
| Total risk-based capital ratio | 14.0955% | 3,854 |
| Memoranda: | ||
| Average total assets | $500,581,500 | 1,433 |
| Average earning assets | $462,501,000 | 1,440 |
| Average equity | $61,469,500 | 1,342 |
| Average total loans | $363,789,000 | 1,395 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 720 |
| Cost of funding earning assets | 1.2865% | 231 |
| Net interest margin | 3.8989% | 2,331 |
| Noninterest income to average assets | 0.4900% | 2,886 |
| Noninterest expense to average assets | 2.1351% | 4,483 |
| Loan and lease loss provision to assets | 0.1287% | 1,710 |
| Net operating income to assets | 1.5191% | 1,074 |
| Return on assets (ROA) | 1.5206% | 1,050 |
| Pretax return on assets | 1.8415% | 831 |
| Return on Equity (ROE) | 12.8824% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.8824% | 243 |
| Net charge-offs to loans | 0.0484% | 2,464 |
| Credit loss provision to net charge-offs | 369.1860% | 870 |
| Earnings coverage of net charge-offs (x) | 56.4477% | 1,063 |
| Efficiency ratio | 52.0306% | 4,795 |
| Assets per employee ($millions) | 5.9194% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,485 |
| Loan loss allowance to noncurrent loans | 79.7187% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 947 |
| Noncurrent loans to loans | 1.8063% | 786 |
| Net loans and leases to total assets | 70.9913% | 2,421 |
| Net loans and leases to deposits | 108.3065% | 295 |
| Net loans and leases to core deposits | 123.8981% | 446 |
| Total domestic deposits to total assets | 65.5467% | 5,250 |
| Equity capital to assets | 12.4507% | 1,606 |
| Core capital (leverage) ratio | 11.5760% | 2,041 |
| Tier 1 risk-based capital ratio | 13.5551% | 3,520 |
| Total risk-based capital ratio | 14.7725% | 3,443 |
| Memoranda: | ||
| Average total assets | $493,235,000 | 1,427 |
| Average earning assets | $457,131,800 | 1,427 |
| Average equity | $58,219,000 | 1,354 |
| Average total loans | $355,319,000 | 1,382 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 728 |
| Cost of funding earning assets | 1.2299% | 221 |
| Net interest margin | 3.8880% | 2,346 |
| Noninterest income to average assets | 0.4859% | 2,944 |
| Noninterest expense to average assets | 2.2831% | 4,142 |
| Loan and lease loss provision to assets | 0.0826% | 2,301 |
| Net operating income to assets | 1.4210% | 1,410 |
| Return on assets (ROA) | 1.4234% | 1,408 |
| Pretax return on assets | 1.7368% | 1,189 |
| Return on Equity (ROE) | 12.2284% | 1,712 |
| Retained earnings to average equity (ytd only) | 12.2284% | 450 |
| Net charge-offs to loans | 0.0560% | 2,015 |
| Credit loss provision to net charge-offs | 204.6980% | 1,351 |
| Earnings coverage of net charge-offs (x) | 45.0071% | 1,254 |
| Efficiency ratio | 55.6921% | 4,420 |
| Assets per employee ($millions) | 6.0239% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,012 |
| Loan loss allowance to noncurrent loans | 93.1796% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 1,147 |
| Noncurrent loans to loans | 1.4143% | 1,174 |
| Net loans and leases to total assets | 71.7748% | 2,363 |
| Net loans and leases to deposits | 112.9264% | 210 |
| Net loans and leases to core deposits | 130.9788% | 313 |
| Total domestic deposits to total assets | 63.5589% | 5,356 |
| Equity capital to assets | 11.7994% | 2,031 |
| Core capital (leverage) ratio | 11.1808% | 2,430 |
| Tier 1 risk-based capital ratio | 12.8678% | 3,983 |
| Total risk-based capital ratio | 13.9982% | 3,955 |
| Memoranda: | ||
| Average total assets | $492,237,250 | 1,433 |
| Average earning assets | $457,496,500 | 1,421 |
| Average equity | $57,296,750 | 1,376 |
| Average total loans | $354,612,750 | 1,386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 737 |
| Cost of funding earning assets | 1.1692% | 209 |
| Net interest margin | 3.8751% | 2,291 |
| Noninterest income to average assets | 0.5303% | 2,684 |
| Noninterest expense to average assets | 2.3271% | 4,086 |
| Loan and lease loss provision to assets | 0.0820% | 2,270 |
| Net operating income to assets | 1.4145% | 1,381 |
| Return on assets (ROA) | 1.4314% | 1,336 |
| Pretax return on assets | 1.7451% | 1,105 |
| Return on Equity (ROE) | 12.3554% | 1,599 |
| Retained earnings to average equity (ytd only) | 12.3554% | 469 |
| Net charge-offs to loans | -0.0103% | 4,330 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2953% | 4,441 |
| Assets per employee ($millions) | 5.8707% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,818 |
| Loan loss allowance to noncurrent loans | 99.2524% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 1,324 |
| Noncurrent loans to loans | 1.3907% | 1,218 |
| Net loans and leases to total assets | 71.1692% | 2,415 |
| Net loans and leases to deposits | 109.9878% | 280 |
| Net loans and leases to core deposits | 126.4338% | 397 |
| Total domestic deposits to total assets | 64.7064% | 5,403 |
| Equity capital to assets | 11.7986% | 1,993 |
| Core capital (leverage) ratio | 11.1086% | 2,430 |
| Tier 1 risk-based capital ratio | 12.7540% | 4,036 |
| Total risk-based capital ratio | 13.9250% | 3,980 |
| Memoranda: | ||
| Average total assets | $487,647,000 | 1,448 |
| Average earning assets | $453,463,330 | 1,443 |
| Average equity | $56,493,670 | 1,389 |
| Average total loans | $350,138,330 | 1,402 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 806 |
| Cost of funding earning assets | 1.1277% | 193 |
| Net interest margin | 3.8074% | 2,397 |
| Noninterest income to average assets | 0.4611% | 3,050 |
| Noninterest expense to average assets | 2.4731% | 3,735 |
| Loan and lease loss provision to assets | 0.0412% | 2,931 |
| Net operating income to assets | 1.2207% | 1,921 |
| Return on assets (ROA) | 1.2349% | 1,880 |
| Pretax return on assets | 1.5013% | 1,678 |
| Return on Equity (ROE) | 10.7603% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.7603% | 951 |
| Net charge-offs to loans | 0.0115% | 2,332 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 184.9000% | 356 |
| Efficiency ratio | 61.8527% | 3,810 |
| Assets per employee ($millions) | 5.5576% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,901 |
| Loan loss allowance to noncurrent loans | 110.7628% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 1,693 |
| Noncurrent loans to loans | 1.2492% | 1,449 |
| Net loans and leases to total assets | 70.5953% | 2,383 |
| Net loans and leases to deposits | 105.5425% | 403 |
| Net loans and leases to core deposits | 122.0221% | 524 |
| Total domestic deposits to total assets | 66.8880% | 5,445 |
| Equity capital to assets | 11.5446% | 2,095 |
| Core capital (leverage) ratio | 10.5779% | 2,864 |
| Tier 1 risk-based capital ratio | 12.1229% | 4,480 |
| Total risk-based capital ratio | 13.2655% | 4,430 |
| Memoranda: | ||
| Average total assets | $484,903,000 | 1,461 |
| Average earning assets | $450,486,000 | 1,459 |
| Average equity | $55,649,000 | 1,413 |
| Average total loans | $347,271,500 | 1,414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 758 |
| Cost of funding earning assets | 1.0852% | 138 |
| Net interest margin | 3.8395% | 2,288 |
| Noninterest income to average assets | 0.5082% | 2,949 |
| Noninterest expense to average assets | 2.3315% | 4,253 |
| Loan and lease loss provision to assets | 0.1145% | 1,987 |
| Net operating income to assets | 1.1685% | 1,623 |
| Return on assets (ROA) | 1.1508% | 1,711 |
| Pretax return on assets | 1.5909% | 1,318 |
| Return on Equity (ROE) | 10.2892% | 1,772 |
| Retained earnings to average equity (ytd only) | 9.3586% | 448 |
| Net charge-offs to loans | -0.0251% | 5,014 |
| Credit loss provision to net charge-offs | -639.5349% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4043% | 4,601 |
| Assets per employee ($millions) | 5.7865% | 1,669 |
| Cash dividends to net income (ytd only)* | 9.0449% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,064 |
| Loan loss allowance to noncurrent loans | 123.7543% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 1,921 |
| Noncurrent loans to loans | 1.0763% | 1,654 |
| Net loans and leases to total assets | 70.6924% | 2,416 |
| Net loans and leases to deposits | 107.1111% | 350 |
| Net loans and leases to core deposits | 122.5766% | 507 |
| Total domestic deposits to total assets | 65.9991% | 5,519 |
| Equity capital to assets | 11.4099% | 2,272 |
| Core capital (leverage) ratio | 10.3849% | 2,979 |
| Tier 1 risk-based capital ratio | 12.3975% | 4,266 |
| Total risk-based capital ratio | 13.5573% | 4,235 |
| Memoranda: | ||
| Average total assets | $480,343,400 | 1,452 |
| Average earning assets | $444,538,000 | 1,453 |
| Average equity | $53,726,200 | 1,430 |
| Average total loans | $342,617,000 | 1,399 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 715 |
| Cost of funding earning assets | 1.0677% | 135 |
| Net interest margin | 3.8592% | 2,188 |
| Noninterest income to average assets | 0.4585% | 3,285 |
| Noninterest expense to average assets | 2.2697% | 4,376 |
| Loan and lease loss provision to assets | 0.1257% | 1,724 |
| Net operating income to assets | 1.1826% | 1,764 |
| Return on assets (ROA) | 1.1868% | 1,788 |
| Pretax return on assets | 1.6381% | 1,288 |
| Return on Equity (ROE) | 10.6659% | 1,836 |
| Retained earnings to average equity (ytd only) | 9.4111% | 731 |
| Net charge-offs to loans | -0.0384% | 5,083 |
| Credit loss provision to net charge-offs | -459.1837% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3544% | 4,695 |
| Assets per employee ($millions) | 5.6817% | 1,744 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,420 |
| Loan loss allowance to noncurrent loans | 128.6592% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 1,883 |
| Noncurrent loans to loans | 1.0007% | 1,936 |
| Net loans and leases to total assets | 71.4415% | 2,340 |
| Net loans and leases to deposits | 109.6384% | 288 |
| Net loans and leases to core deposits | 124.1840% | 459 |
| Total domestic deposits to total assets | 65.1611% | 5,607 |
| Equity capital to assets | 11.0785% | 2,782 |
| Core capital (leverage) ratio | 10.1291% | 3,408 |
| Tier 1 risk-based capital ratio | 11.6529% | 4,851 |
| Total risk-based capital ratio | 12.7478% | 4,857 |
| Memoranda: | ||
| Average total assets | $477,466,250 | 1,471 |
| Average earning assets | $441,562,500 | 1,469 |
| Average equity | $53,127,750 | 1,460 |
| Average total loans | $340,172,250 | 1,419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 630 |
| Cost of funding earning assets | 1.0209% | 160 |
| Net interest margin | 3.9231% | 1,857 |
| Noninterest income to average assets | 0.4785% | 3,159 |
| Noninterest expense to average assets | 2.3808% | 4,110 |
| Loan and lease loss provision to assets | 0.1272% | 1,632 |
| Net operating income to assets | 1.1551% | 1,762 |
| Return on assets (ROA) | 1.1639% | 1,761 |
| Pretax return on assets | 1.6086% | 1,316 |
| Return on Equity (ROE) | 10.4444% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.4444% | 516 |
| Net charge-offs to loans | -0.0419% | 5,092 |
| Credit loss provision to net charge-offs | -428.5714% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0089% | 4,588 |
| Assets per employee ($millions) | 5.5374% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,550 |
| Loan loss allowance to noncurrent loans | 119.9025% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 1,837 |
| Noncurrent loans to loans | 1.0625% | 1,847 |
| Net loans and leases to total assets | 70.4179% | 2,462 |
| Net loans and leases to deposits | 115.7282% | 162 |
| Net loans and leases to core deposits | 129.4051% | 317 |
| Total domestic deposits to total assets | 60.8477% | 5,695 |
| Equity capital to assets | 11.1116% | 2,691 |
| Core capital (leverage) ratio | 10.3059% | 3,140 |
| Tier 1 risk-based capital ratio | 11.7306% | 4,816 |
| Total risk-based capital ratio | 12.8090% | 4,815 |
| Memoranda: | ||
| Average total assets | $471,852,000 | 1,492 |
| Average earning assets | $436,088,330 | 1,501 |
| Average equity | $52,583,000 | 1,475 |
| Average total loans | $334,313,670 | 1,439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 516 |
| Cost of funding earning assets | 1.0365% | 139 |
| Net interest margin | 3.9777% | 1,529 |
| Noninterest income to average assets | 0.3344% | 4,166 |
| Noninterest expense to average assets | 2.3855% | 4,161 |
| Loan and lease loss provision to assets | 0.1293% | 1,487 |
| Net operating income to assets | 1.0885% | 1,917 |
| Return on assets (ROA) | 1.0747% | 2,008 |
| Pretax return on assets | 1.4651% | 1,647 |
| Return on Equity (ROE) | 9.6291% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.6291% | 897 |
| Net charge-offs to loans | -0.1050% | 5,456 |
| Credit loss provision to net charge-offs | -174.4186% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6552% | 4,504 |
| Assets per employee ($millions) | 5.4801% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,527 |
| Loan loss allowance to noncurrent loans | 96.1702% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 1,470 |
| Noncurrent loans to loans | 1.3534% | 1,492 |
| Net loans and leases to total assets | 69.9007% | 2,400 |
| Net loans and leases to deposits | 113.5287% | 154 |
| Net loans and leases to core deposits | 125.9661% | 325 |
| Total domestic deposits to total assets | 61.5710% | 5,761 |
| Equity capital to assets | 11.1427% | 2,488 |
| Core capital (leverage) ratio | 10.2714% | 3,157 |
| Tier 1 risk-based capital ratio | 12.0239% | 4,701 |
| Total risk-based capital ratio | 13.1312% | 4,696 |
| Memoranda: | ||
| Average total assets | $464,132,000 | 1,516 |
| Average earning assets | $427,585,500 | 1,537 |
| Average equity | $51,801,500 | 1,493 |
| Average total loans | $327,686,000 | 1,470 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 871 |
| Cost of funding earning assets | 1.0619% | 123 |
| Net interest margin | 3.7492% | 2,510 |
| Noninterest income to average assets | 0.5353% | 2,998 |
| Noninterest expense to average assets | 2.3985% | 4,302 |
| Loan and lease loss provision to assets | 0.1123% | 2,192 |
| Net operating income to assets | 1.1297% | 1,779 |
| Return on assets (ROA) | 1.1796% | 1,669 |
| Pretax return on assets | 1.5481% | 1,435 |
| Return on Equity (ROE) | 9.5249% | 2,183 |
| Retained earnings to average equity (ytd only) | -13.6574% | 5,816 |
| Net charge-offs to loans | 0.0638% | 2,784 |
| Credit loss provision to net charge-offs | 247.2527% | 1,173 |
| Earnings coverage of net charge-offs (x) | 35.0989% | 1,295 |
| Efficiency ratio | 60.0625% | 4,575 |
| Assets per employee ($millions) | 5.6397% | 1,753 |
| Cash dividends to net income (ytd only)* | 243.3862% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,840 |
| Loan loss allowance to noncurrent loans | 88.6995% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 1,446 |
| Noncurrent loans to loans | 1.4057% | 1,450 |
| Net loans and leases to total assets | 69.5021% | 2,553 |
| Net loans and leases to deposits | 118.7265% | 104 |
| Net loans and leases to core deposits | 127.1150% | 324 |
| Total domestic deposits to total assets | 58.5397% | 5,838 |
| Equity capital to assets | 11.1793% | 2,443 |
| Core capital (leverage) ratio | 10.2030% | 3,220 |
| Tier 1 risk-based capital ratio | 12.0457% | 4,697 |
| Total risk-based capital ratio | 13.1195% | 4,706 |
| Memoranda: | ||
| Average total assets | $400,547,400 | 1,681 |
| Average earning assets | $369,437,400 | 1,688 |
| Average equity | $49,606,800 | 1,529 |
| Average total loans | $285,102,800 | 1,590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 1,062 |
| Cost of funding earning assets | 1.0497% | 128 |
| Net interest margin | 3.6508% | 2,887 |
| Noninterest income to average assets | 0.6000% | 2,658 |
| Noninterest expense to average assets | 2.1121% | 4,985 |
| Loan and lease loss provision to assets | 0.0606% | 3,038 |
| Net operating income to assets | 1.3354% | 1,196 |
| Return on assets (ROA) | 1.3687% | 1,198 |
| Pretax return on assets | 1.8479% | 808 |
| Return on Equity (ROE) | 10.7378% | 1,773 |
| Retained earnings to average equity (ytd only) | -20.5005% | 5,917 |
| Net charge-offs to loans | 0.0611% | 2,481 |
| Credit loss provision to net charge-offs | 138.8889% | 1,879 |
| Earnings coverage of net charge-offs (x) | 42.7132% | 1,186 |
| Efficiency ratio | 53.1266% | 5,302 |
| Assets per employee ($millions) | 5.3865% | 1,969 |
| Cash dividends to net income (ytd only)* | 290.9186% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,237 |
| Loan loss allowance to noncurrent loans | 89.1754% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 1,582 |
| Noncurrent loans to loans | 1.3457% | 1,638 |
| Net loans and leases to total assets | 70.6983% | 2,391 |
| Net loans and leases to deposits | 113.2167% | 197 |
| Net loans and leases to core deposits | 122.1323% | 456 |
| Total domestic deposits to total assets | 62.4452% | 5,865 |
| Equity capital to assets | 11.5691% | 2,458 |
| Core capital (leverage) ratio | 10.2023% | 3,330 |
| Tier 1 risk-based capital ratio | 12.1697% | 4,692 |
| Total risk-based capital ratio | 13.2174% | 4,706 |
| Memoranda: | ||
| Average total assets | $385,071,250 | 1,740 |
| Average earning assets | $356,037,750 | 1,744 |
| Average equity | $49,083,750 | 1,550 |
| Average total loans | $275,010,500 | 1,642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 1,385 |
| Cost of funding earning assets | 1.0090% | 163 |
| Net interest margin | 3.5411% | 3,323 |
| Noninterest income to average assets | 0.8666% | 1,487 |
| Noninterest expense to average assets | 1.9478% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5997% | 727 |
| Return on assets (ROA) | 1.6169% | 740 |
| Pretax return on assets | 2.2206% | 366 |
| Return on Equity (ROE) | 12.2231% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.2231% | 297 |
| Net charge-offs to loans | 0.1123% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 27.4178% | 1,457 |
| Efficiency ratio | 46.9942% | 5,711 |
| Assets per employee ($millions) | 6.2144% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 2,410 |
| Loan loss allowance to noncurrent loans | 167.0027% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 1,820 |
| Noncurrent loans to loans | 0.8236% | 2,683 |
| Net loans and leases to total assets | 71.2633% | 2,289 |
| Net loans and leases to deposits | 120.1713% | 100 |
| Net loans and leases to core deposits | 131.2698% | 285 |
| Total domestic deposits to total assets | 59.3014% | 5,975 |
| Equity capital to assets | 13.5459% | 1,213 |
| Core capital (leverage) ratio | 12.4534% | 1,382 |
| Tier 1 risk-based capital ratio | 13.3200% | 4,000 |
| Total risk-based capital ratio | 14.4099% | 4,026 |
| Memoranda: | ||
| Average total assets | $364,402,670 | 1,842 |
| Average earning assets | $337,348,330 | 1,843 |
| Average equity | $48,204,000 | 1,574 |
| Average total loans | $260,042,330 | 1,737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 1,371 |
| Cost of funding earning assets | 1.0058% | 163 |
| Net interest margin | 3.5464% | 3,299 |
| Noninterest income to average assets | 1.4358% | 547 |
| Noninterest expense to average assets | 1.9049% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9947% | 338 |
| Return on assets (ROA) | 1.9963% | 354 |
| Pretax return on assets | 2.8100% | 152 |
| Return on Equity (ROE) | 15.2761% | 628 |
| Retained earnings to average equity (ytd only) | 15.2761% | 230 |
| Net charge-offs to loans | -0.2143% | 5,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4206% | 5,955 |
| Assets per employee ($millions) | 6.3257% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,879 |
| Loan loss allowance to noncurrent loans | 97.5901% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 1,261 |
| Noncurrent loans to loans | 1.5631% | 1,487 |
| Net loans and leases to total assets | 70.3249% | 2,286 |
| Net loans and leases to deposits | 112.8148% | 169 |
| Net loans and leases to core deposits | 124.9320% | 357 |
| Total domestic deposits to total assets | 62.3366% | 6,017 |
| Equity capital to assets | 13.3826% | 1,227 |
| Core capital (leverage) ratio | 12.2446% | 1,466 |
| Tier 1 risk-based capital ratio | 13.1758% | 4,153 |
| Total risk-based capital ratio | 14.3681% | 4,107 |
| Memoranda: | ||
| Average total assets | $363,279,500 | 1,849 |
| Average earning assets | $335,666,500 | 1,850 |
| Average equity | $47,473,000 | 1,588 |
| Average total loans | $257,598,500 | 1,747 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,409 |
| Cost of funding earning assets | 1.0301% | 144 |
| Net interest margin | 3.5413% | 3,366 |
| Noninterest income to average assets | 0.6000% | 2,715 |
| Noninterest expense to average assets | 1.9009% | 5,615 |
| Loan and lease loss provision to assets | 0.1904% | 1,165 |
| Net operating income to assets | 1.3211% | 1,217 |
| Return on assets (ROA) | 1.3521% | 1,185 |
| Pretax return on assets | 1.8110% | 790 |
| Return on Equity (ROE) | 10.2192% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.7924% | 1,899 |
| Net charge-offs to loans | 0.1181% | 2,187 |
| Credit loss provision to net charge-offs | 230.4965% | 1,238 |
| Earnings coverage of net charge-offs (x) | 23.7340% | 1,713 |
| Efficiency ratio | 49.2339% | 5,786 |
| Assets per employee ($millions) | 6.6544% | 1,024 |
| Cash dividends to net income (ytd only)* | 43.3182% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 2,129 |
| Loan loss allowance to noncurrent loans | 110.0145% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4429% | 1,433 |
| Noncurrent loans to loans | 1.3368% | 1,761 |
| Net loans and leases to total assets | 69.3760% | 2,473 |
| Net loans and leases to deposits | 113.2954% | 177 |
| Net loans and leases to core deposits | 125.3986% | 347 |
| Total domestic deposits to total assets | 61.2346% | 6,077 |
| Equity capital to assets | 12.7579% | 1,483 |
| Core capital (leverage) ratio | 11.7895% | 1,763 |
| Tier 1 risk-based capital ratio | 12.6627% | 4,533 |
| Total risk-based capital ratio | 13.8150% | 4,482 |
| Memoranda: | ||
| Average total assets | $341,471,600 | 1,912 |
| Average earning assets | $314,428,200 | 1,932 |
| Average equity | $45,179,800 | 1,635 |
| Average total loans | $238,704,400 | 1,811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 1,513 |
| Cost of funding earning assets | 1.0396% | 143 |
| Net interest margin | 3.4891% | 3,583 |
| Noninterest income to average assets | 0.7825% | 1,871 |
| Noninterest expense to average assets | 1.9430% | 5,577 |
| Loan and lease loss provision to assets | 0.0696% | 2,784 |
| Net operating income to assets | 1.4552% | 998 |
| Return on assets (ROA) | 1.4810% | 985 |
| Pretax return on assets | 2.0226% | 575 |
| Return on Equity (ROE) | 11.0857% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,814 |
| Net charge-offs to loans | 0.0456% | 2,991 |
| Credit loss provision to net charge-offs | 218.7500% | 1,244 |
| Earnings coverage of net charge-offs (x) | 64.6649% | 868 |
| Efficiency ratio | 48.5785% | 5,844 |
| Assets per employee ($millions) | 6.4609% | 1,088 |
| Cash dividends to net income (ytd only)* | 53.6913% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,465 |
| Loan loss allowance to noncurrent loans | 88.2560% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 1,405 |
| Noncurrent loans to loans | 1.6171% | 1,528 |
| Net loans and leases to total assets | 68.3593% | 2,627 |
| Net loans and leases to deposits | 110.5913% | 242 |
| Net loans and leases to core deposits | 122.6669% | 406 |
| Total domestic deposits to total assets | 61.8125% | 6,161 |
| Equity capital to assets | 12.8568% | 1,529 |
| Core capital (leverage) ratio | 11.9591% | 1,693 |
| Tier 1 risk-based capital ratio | 13.1201% | 4,366 |
| Total risk-based capital ratio | 14.2528% | 4,351 |
| Memoranda: | ||
| Average total assets | $335,341,000 | 1,969 |
| Average earning assets | $309,220,000 | 1,976 |
| Average equity | $44,801,500 | 1,659 |
| Average total loans | $233,955,000 | 1,852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 1,562 |
| Cost of funding earning assets | 1.0511% | 129 |
| Net interest margin | 3.4423% | 3,745 |
| Noninterest income to average assets | 0.6353% | 2,553 |
| Noninterest expense to average assets | 1.9643% | 5,604 |
| Loan and lease loss provision to assets | 0.0609% | 2,888 |
| Net operating income to assets | 1.3088% | 1,297 |
| Return on assets (ROA) | 1.3430% | 1,254 |
| Pretax return on assets | 1.8249% | 854 |
| Return on Equity (ROE) | 9.9177% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.3005% | 3,288 |
| Net charge-offs to loans | 0.0661% | 2,432 |
| Credit loss provision to net charge-offs | 131.5789% | 1,675 |
| Earnings coverage of net charge-offs (x) | 39.7763% | 1,136 |
| Efficiency ratio | 51.6397% | 5,744 |
| Assets per employee ($millions) | 6.2431% | 1,187 |
| Cash dividends to net income (ytd only)* | 56.6380% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 2,472 |
| Loan loss allowance to noncurrent loans | 80.9300% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7814% | 1,303 |
| Noncurrent loans to loans | 1.8012% | 1,420 |
| Net loans and leases to total assets | 67.8416% | 2,666 |
| Net loans and leases to deposits | 109.4443% | 273 |
| Net loans and leases to core deposits | 122.3529% | 409 |
| Total domestic deposits to total assets | 61.9873% | 6,232 |
| Equity capital to assets | 13.0878% | 1,356 |
| Core capital (leverage) ratio | 12.4657% | 1,398 |
| Tier 1 risk-based capital ratio | 12.6993% | 4,681 |
| Total risk-based capital ratio | 13.7937% | 4,697 |
| Memoranda: | ||
| Average total assets | $328,670,670 | 2,025 |
| Average earning assets | $302,534,330 | 2,033 |
| Average equity | $44,506,330 | 1,678 |
| Average total loans | $229,795,670 | 1,887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,361 |
| Cost of funding earning assets | 1.0754% | 116 |
| Net interest margin | 3.4609% | 3,581 |
| Noninterest income to average assets | 0.8577% | 1,537 |
| Noninterest expense to average assets | 1.9644% | 5,637 |
| Loan and lease loss provision to assets | 0.0311% | 3,269 |
| Net operating income to assets | 1.4809% | 876 |
| Return on assets (ROA) | 1.5200% | 860 |
| Pretax return on assets | 2.0926% | 490 |
| Return on Equity (ROE) | 11.0274% | 1,623 |
| Retained earnings to average equity (ytd only) | -0.2619% | 5,427 |
| Net charge-offs to loans | -0.0212% | 5,078 |
| Credit loss provision to net charge-offs | -208.3333% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6887% | 5,986 |
| Assets per employee ($millions) | 5.8808% | 1,484 |
| Cash dividends to net income (ytd only)* | 102.3751% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 2,183 |
| Loan loss allowance to noncurrent loans | 74.3551% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 1,179 |
| Noncurrent loans to loans | 2.0998% | 1,227 |
| Net loans and leases to total assets | 68.6751% | 2,337 |
| Net loans and leases to deposits | 103.0374% | 409 |
| Net loans and leases to core deposits | 114.4482% | 562 |
| Total domestic deposits to total assets | 66.6506% | 6,232 |
| Equity capital to assets | 13.9644% | 995 |
| Core capital (leverage) ratio | 12.5130% | 1,359 |
| Tier 1 risk-based capital ratio | 12.9951% | 4,610 |
| Total risk-based capital ratio | 14.1478% | 4,581 |
| Memoranda: | ||
| Average total assets | $321,320,000 | 2,081 |
| Average earning assets | $294,954,000 | 2,084 |
| Average equity | $44,289,500 | 1,687 |
| Average total loans | $226,496,000 | 1,901 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 1,197 |
| Cost of funding earning assets | 1.1297% | 114 |
| Net interest margin | 3.6256% | 3,311 |
| Noninterest income to average assets | 0.5146% | 3,390 |
| Noninterest expense to average assets | 1.8943% | 5,950 |
| Loan and lease loss provision to assets | 0.0646% | 3,216 |
| Net operating income to assets | 1.4353% | 1,008 |
| Return on assets (ROA) | 1.4632% | 987 |
| Pretax return on assets | 1.9111% | 624 |
| Return on Equity (ROE) | 10.8532% | 1,765 |
| Retained earnings to average equity (ytd only) | 6.0583% | 1,892 |
| Net charge-offs to loans | 0.4813% | 864 |
| Credit loss provision to net charge-offs | 19.3611% | 3,979 |
| Earnings coverage of net charge-offs (x) | 5.8093% | 3,352 |
| Efficiency ratio | 49.4099% | 6,120 |
| Assets per employee ($millions) | 5.9105% | 1,442 |
| Cash dividends to net income (ytd only)* | 44.1794% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 2,568 |
| Loan loss allowance to noncurrent loans | 38.5534% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.2872% | 582 |
| Noncurrent loans to loans | 3.8350% | 504 |
| Net loans and leases to total assets | 70.1447% | 2,218 |
| Net loans and leases to deposits | 111.0017% | 216 |
| Net loans and leases to core deposits | 123.6031% | 328 |
| Total domestic deposits to total assets | 63.1925% | 6,364 |
| Equity capital to assets | 13.6070% | 1,113 |
| Core capital (leverage) ratio | 12.5703% | 1,321 |
| Tier 1 risk-based capital ratio | 13.0847% | 4,667 |
| Total risk-based capital ratio | 14.2367% | 4,647 |
| Memoranda: | ||
| Average total assets | $309,395,200 | 2,102 |
| Average earning assets | $283,263,800 | 2,100 |
| Average equity | $41,711,200 | 1,721 |
| Average total loans | $214,647,400 | 1,938 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 1,069 |
| Cost of funding earning assets | 1.1353% | 116 |
| Net interest margin | 3.6883% | 3,073 |
| Noninterest income to average assets | 0.5054% | 3,513 |
| Noninterest expense to average assets | 1.9095% | 5,936 |
| Loan and lease loss provision to assets | 0.0327% | 3,753 |
| Net operating income to assets | 1.4351% | 1,060 |
| Return on assets (ROA) | 1.4687% | 1,027 |
| Pretax return on assets | 1.9789% | 597 |
| Return on Equity (ROE) | 10.9213% | 1,815 |
| Retained earnings to average equity (ytd only) | 4.4302% | 3,501 |
| Net charge-offs to loans | 0.2927% | 1,345 |
| Credit loss provision to net charge-offs | 16.2338% | 3,619 |
| Earnings coverage of net charge-offs (x) | 9.7512% | 2,627 |
| Efficiency ratio | 49.2680% | 6,130 |
| Assets per employee ($millions) | 5.8791% | 1,427 |
| Cash dividends to net income (ytd only)* | 59.4354% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 1,847 |
| Loan loss allowance to noncurrent loans | 57.5852% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.7456% | 905 |
| Noncurrent loans to loans | 3.0259% | 877 |
| Net loans and leases to total assets | 70.0003% | 2,190 |
| Net loans and leases to deposits | 120.8560% | 87 |
| Net loans and leases to core deposits | 137.5102% | 168 |
| Total domestic deposits to total assets | 57.9204% | 6,502 |
| Equity capital to assets | 13.7234% | 1,101 |
| Core capital (leverage) ratio | 12.7714% | 1,275 |
| Tier 1 risk-based capital ratio | 13.4998% | 4,542 |
| Total risk-based capital ratio | 14.7269% | 4,498 |
| Memoranda: | ||
| Average total assets | $305,475,250 | 2,140 |
| Average earning assets | $279,147,000 | 2,147 |
| Average equity | $41,080,750 | 1,747 |
| Average total loans | $210,448,000 | 1,981 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 1,002 |
| Cost of funding earning assets | 1.1402% | 121 |
| Net interest margin | 3.7024% | 2,954 |
| Noninterest income to average assets | 0.5352% | 3,235 |
| Noninterest expense to average assets | 1.8871% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5039% | 862 |
| Return on assets (ROA) | 1.5232% | 868 |
| Pretax return on assets | 2.0426% | 507 |
| Return on Equity (ROE) | 11.4065% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.0029% | 3,637 |
| Net charge-offs to loans | 0.4221% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.0183% | 2,690 |
| Efficiency ratio | 48.3370% | 6,276 |
| Assets per employee ($millions) | 5.6821% | 1,540 |
| Cash dividends to net income (ytd only)* | 64.9070% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 1,859 |
| Loan loss allowance to noncurrent loans | 48.6807% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 3.2141% | 773 |
| Noncurrent loans to loans | 3.6828% | 696 |
| Net loans and leases to total assets | 68.1805% | 2,384 |
| Net loans and leases to deposits | 113.4466% | 144 |
| Net loans and leases to core deposits | 129.3508% | 237 |
| Total domestic deposits to total assets | 60.0992% | 6,558 |
| Equity capital to assets | 13.6486% | 1,106 |
| Core capital (leverage) ratio | 12.7098% | 1,283 |
| Tier 1 risk-based capital ratio | 13.6212% | 4,509 |
| Total risk-based capital ratio | 14.8425% | 4,469 |
| Memoranda: | ||
| Average total assets | $303,436,000 | 2,146 |
| Average earning assets | $276,094,330 | 2,169 |
| Average equity | $40,520,670 | 1,759 |
| Average total loans | $206,602,670 | 2,004 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 914 |
| Cost of funding earning assets | 1.1435% | 128 |
| Net interest margin | 3.7259% | 2,766 |
| Noninterest income to average assets | 0.3685% | 4,440 |
| Noninterest expense to average assets | 1.8851% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4061% | 976 |
| Return on assets (ROA) | 1.4344% | 965 |
| Pretax return on assets | 1.8983% | 651 |
| Return on Equity (ROE) | 10.8629% | 1,731 |
| Retained earnings to average equity (ytd only) | -4.1966% | 6,075 |
| Net charge-offs to loans | 0.2832% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,913 |
| Efficiency ratio | 50.3185% | 6,236 |
| Assets per employee ($millions) | 5.4646% | 1,742 |
| Cash dividends to net income (ytd only)* | 138.6322% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 1,483 |
| Loan loss allowance to noncurrent loans | 44.8799% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 3.8176% | 648 |
| Noncurrent loans to loans | 4.5001% | 529 |
| Net loans and leases to total assets | 66.3571% | 2,504 |
| Net loans and leases to deposits | 102.6803% | 343 |
| Net loans and leases to core deposits | 115.1150% | 426 |
| Total domestic deposits to total assets | 64.6250% | 6,577 |
| Equity capital to assets | 13.3444% | 1,160 |
| Core capital (leverage) ratio | 12.2971% | 1,479 |
| Tier 1 risk-based capital ratio | 13.7777% | 4,484 |
| Total risk-based capital ratio | 15.0015% | 4,454 |
| Memoranda: | ||
| Average total assets | $301,738,500 | 2,168 |
| Average earning assets | $273,547,000 | 2,192 |
| Average equity | $39,842,000 | 1,775 |
| Average total loans | $203,395,000 | 2,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 1,405 |
| Cost of funding earning assets | 1.2334% | 151 |
| Net interest margin | 3.5271% | 3,778 |
| Noninterest income to average assets | 0.5582% | 3,347 |
| Noninterest expense to average assets | 2.0627% | 5,905 |
| Loan and lease loss provision to assets | 0.1034% | 3,066 |
| Net operating income to assets | 1.2501% | 1,391 |
| Return on assets (ROA) | 1.2201% | 1,559 |
| Pretax return on assets | 1.5456% | 1,312 |
| Return on Equity (ROE) | 8.7702% | 2,658 |
| Retained earnings to average equity (ytd only) | -3.9923% | 6,319 |
| Net charge-offs to loans | -0.1761% | 6,595 |
| Credit loss provision to net charge-offs | -88.2353% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0110% | 6,050 |
| Assets per employee ($millions) | 5.5077% | 1,641 |
| Cash dividends to net income (ytd only)* | 145.5213% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0936% | 1,345 |
| Loan loss allowance to noncurrent loans | 78.7234% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4247% | 1,429 |
| Noncurrent loans to loans | 2.6594% | 1,387 |
| Net loans and leases to total assets | 65.6883% | 2,739 |
| Net loans and leases to deposits | 113.9492% | 118 |
| Net loans and leases to core deposits | 118.0303% | 370 |
| Total domestic deposits to total assets | 57.6470% | 6,726 |
| Equity capital to assets | 13.0650% | 1,247 |
| Core capital (leverage) ratio | 12.5052% | 1,358 |
| Tier 1 risk-based capital ratio | 14.1372% | 4,201 |
| Total risk-based capital ratio | 15.3917% | 4,149 |
| Memoranda: | ||
| Average total assets | $290,058,400 | 2,208 |
| Average earning assets | $262,452,800 | 2,233 |
| Average equity | $40,352,400 | 1,734 |
| Average total loans | $193,086,000 | 2,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 1,423 |
| Cost of funding earning assets | 1.2413% | 164 |
| Net interest margin | 3.5256% | 3,770 |
| Noninterest income to average assets | 0.6308% | 2,987 |
| Noninterest expense to average assets | 2.2074% | 5,589 |
| Loan and lease loss provision to assets | 0.1394% | 2,550 |
| Net operating income to assets | 1.1627% | 1,763 |
| Return on assets (ROA) | 1.1723% | 1,801 |
| Pretax return on assets | 1.4870% | 1,649 |
| Return on Equity (ROE) | 8.2932% | 2,979 |
| Retained earnings to average equity (ytd only) | -5.3534% | 6,509 |
| Net charge-offs to loans | -0.2274% | 6,674 |
| Credit loss provision to net charge-offs | -92.3077% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7597% | 5,717 |
| Assets per employee ($millions) | 5.2719% | 1,867 |
| Cash dividends to net income (ytd only)* | 164.5522% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 1,405 |
| Loan loss allowance to noncurrent loans | 67.3123% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.8487% | 1,305 |
| Noncurrent loans to loans | 3.2002% | 1,227 |
| Net loans and leases to total assets | 65.2347% | 2,758 |
| Net loans and leases to deposits | 110.2790% | 147 |
| Net loans and leases to core deposits | 114.3762% | 437 |
| Total domestic deposits to total assets | 59.1542% | 6,790 |
| Equity capital to assets | 13.4521% | 1,138 |
| Core capital (leverage) ratio | 12.9800% | 1,218 |
| Tier 1 risk-based capital ratio | 14.5181% | 4,063 |
| Total risk-based capital ratio | 15.7467% | 4,027 |
| Memoranda: | ||
| Average total assets | $286,842,250 | 2,236 |
| Average earning assets | $259,621,250 | 2,258 |
| Average equity | $40,546,250 | 1,737 |
| Average total loans | $190,547,500 | 2,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 1,259 |
| Cost of funding earning assets | 1.2569% | 170 |
| Net interest margin | 3.5778% | 3,458 |
| Noninterest income to average assets | 0.7900% | 2,236 |
| Noninterest expense to average assets | 2.3102% | 5,342 |
| Loan and lease loss provision to assets | 0.1760% | 2,154 |
| Net operating income to assets | 1.2002% | 1,594 |
| Return on assets (ROA) | 1.2202% | 1,642 |
| Pretax return on assets | 1.5540% | 1,471 |
| Return on Equity (ROE) | 8.4902% | 2,852 |
| Retained earnings to average equity (ytd only) | -11.8412% | 6,704 |
| Net charge-offs to loans | -0.0902% | 6,476 |
| Credit loss provision to net charge-offs | -294.1176% | 5,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5412% | 5,793 |
| Assets per employee ($millions) | 4.8624% | 2,283 |
| Cash dividends to net income (ytd only)* | 239.4691% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1143% | 1,603 |
| Loan loss allowance to noncurrent loans | 82.2745% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.5488% | 1,650 |
| Noncurrent loans to loans | 2.5699% | 1,791 |
| Net loans and leases to total assets | 64.8436% | 2,786 |
| Net loans and leases to deposits | 106.5775% | 212 |
| Net loans and leases to core deposits | 113.2806% | 451 |
| Total domestic deposits to total assets | 60.8417% | 6,831 |
| Equity capital to assets | 13.9765% | 977 |
| Core capital (leverage) ratio | 13.1991% | 1,098 |
| Tier 1 risk-based capital ratio | 15.1023% | 3,705 |
| Total risk-based capital ratio | 16.3221% | 3,700 |
| Memoranda: | ||
| Average total assets | $284,048,000 | 2,262 |
| Average earning assets | $256,022,330 | 2,295 |
| Average equity | $40,823,670 | 1,726 |
| Average total loans | $188,453,670 | 2,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 1,132 |
| Cost of funding earning assets | 1.2612% | 182 |
| Net interest margin | 3.6192% | 3,184 |
| Noninterest income to average assets | 0.8040% | 2,109 |
| Noninterest expense to average assets | 2.5384% | 4,617 |
| Loan and lease loss provision to assets | 0.2105% | 1,757 |
| Net operating income to assets | 1.0381% | 2,082 |
| Return on assets (ROA) | 1.0482% | 2,154 |
| Pretax return on assets | 1.3092% | 2,202 |
| Return on Equity (ROE) | 7.1952% | 3,387 |
| Retained earnings to average equity (ytd only) | -31.3335% | 6,903 |
| Net charge-offs to loans | -0.1881% | 6,667 |
| Credit loss provision to net charge-offs | -168.5393% | 5,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7471% | 5,191 |
| Assets per employee ($millions) | 5.1377% | 2,052 |
| Cash dividends to net income (ytd only)* | 535.4752% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 1,803 |
| Loan loss allowance to noncurrent loans | 84.1117% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 1,877 |
| Noncurrent loans to loans | 2.4938% | 2,071 |
| Net loans and leases to total assets | 63.6598% | 2,778 |
| Net loans and leases to deposits | 102.0005% | 283 |
| Net loans and leases to core deposits | 108.2426% | 555 |
| Total domestic deposits to total assets | 62.4112% | 6,891 |
| Equity capital to assets | 14.0754% | 1,003 |
| Core capital (leverage) ratio | 12.6851% | 1,255 |
| Tier 1 risk-based capital ratio | 14.9652% | 3,861 |
| Total risk-based capital ratio | 16.1837% | 3,852 |
| Memoranda: | ||
| Average total assets | $285,063,500 | 2,287 |
| Average earning assets | $255,305,500 | 2,329 |
| Average equity | $41,527,500 | 1,728 |
| Average total loans | $189,270,500 | 2,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 1,491 |
| Cost of funding earning assets | 1.4059% | 249 |
| Net interest margin | 3.6192% | 4,008 |
| Noninterest income to average assets | 0.8386% | 2,089 |
| Noninterest expense to average assets | 2.3793% | 5,471 |
| Loan and lease loss provision to assets | 0.4395% | 1,443 |
| Net operating income to assets | 1.0240% | 2,237 |
| Return on assets (ROA) | 1.1047% | 2,101 |
| Pretax return on assets | 1.3737% | 2,128 |
| Return on Equity (ROE) | 7.5318% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.7340% | 2,229 |
| Net charge-offs to loans | 1.5052% | 592 |
| Credit loss provision to net charge-offs | 45.9897% | 4,785 |
| Earnings coverage of net charge-offs (x) | 1.7918% | 4,535 |
| Efficiency ratio | 58.1507% | 5,809 |
| Assets per employee ($millions) | 4.7926% | 2,506 |
| Cash dividends to net income (ytd only)* | 23.8701% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 2,425 |
| Loan loss allowance to noncurrent loans | 62.0601% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.4230% | 1,332 |
| Noncurrent loans to loans | 2.9902% | 1,745 |
| Net loans and leases to total assets | 66.4872% | 2,456 |
| Net loans and leases to deposits | 108.1460% | 187 |
| Net loans and leases to core deposits | 114.9713% | 387 |
| Total domestic deposits to total assets | 61.4792% | 6,962 |
| Equity capital to assets | 15.0517% | 721 |
| Core capital (leverage) ratio | 13.7398% | 876 |
| Tier 1 risk-based capital ratio | 15.3177% | 3,534 |
| Total risk-based capital ratio | 16.5341% | 3,503 |
| Memoranda: | ||
| Average total assets | $284,412,200 | 2,239 |
| Average earning assets | $255,636,200 | 2,270 |
| Average equity | $41,716,200 | 1,673 |
| Average total loans | $180,569,000 | 2,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,857 |
| Cost of funding earning assets | 1.4394% | 259 |
| Net interest margin | 3.5017% | 4,638 |
| Noninterest income to average assets | 0.8386% | 2,082 |
| Noninterest expense to average assets | 2.2155% | 5,917 |
| Loan and lease loss provision to assets | 0.5171% | 1,174 |
| Net operating income to assets | 1.0231% | 2,397 |
| Return on assets (ROA) | 1.0413% | 2,532 |
| Pretax return on assets | 1.2754% | 2,688 |
| Return on Equity (ROE) | 7.1465% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.0493% | 3,334 |
| Net charge-offs to loans | 2.0262% | 354 |
| Credit loss provision to net charge-offs | 40.8922% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,594 |
| Efficiency ratio | 55.5844% | 6,097 |
| Assets per employee ($millions) | 4.9480% | 2,256 |
| Cash dividends to net income (ytd only)* | 29.3455% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 2,520 |
| Loan loss allowance to noncurrent loans | 43.1022% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 4.4929% | 1,034 |
| Noncurrent loans to loans | 4.3793% | 1,097 |
| Net loans and leases to total assets | 63.2637% | 3,163 |
| Net loans and leases to deposits | 104.2790% | 274 |
| Net loans and leases to core deposits | 110.4636% | 549 |
| Total domestic deposits to total assets | 60.6678% | 7,056 |
| Equity capital to assets | 14.7275% | 895 |
| Core capital (leverage) ratio | 13.8285% | 891 |
| Tier 1 risk-based capital ratio | 15.4105% | 3,593 |
| Total risk-based capital ratio | 16.6241% | 3,567 |
| Memoranda: | ||
| Average total assets | $283,626,250 | 2,269 |
| Average earning assets | $254,917,750 | 2,297 |
| Average equity | $41,324,750 | 1,702 |
| Average total loans | $177,010,500 | 2,269 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 2,439 |
| Cost of funding earning assets | 1.4839% | 252 |
| Net interest margin | 3.3342% | 5,331 |
| Noninterest income to average assets | 0.9005% | 1,789 |
| Noninterest expense to average assets | 2.2442% | 5,894 |
| Loan and lease loss provision to assets | 0.4956% | 1,283 |
| Net operating income to assets | 0.9585% | 2,618 |
| Return on assets (ROA) | 1.0414% | 2,518 |
| Pretax return on assets | 1.2623% | 2,682 |
| Return on Equity (ROE) | 7.1737% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.7353% | 3,456 |
| Net charge-offs to loans | 1.9239% | 448 |
| Credit loss provision to net charge-offs | 41.7412% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1.3965% | 4,308 |
| Efficiency ratio | 57.5109% | 5,931 |
| Assets per employee ($millions) | 5.0752% | 2,066 |
| Cash dividends to net income (ytd only)* | 33.9905% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3985% | 1,413 |
| Loan loss allowance to noncurrent loans | 52.4193% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 4.4792% | 1,111 |
| Noncurrent loans to loans | 4.5756% | 1,147 |
| Net loans and leases to total assets | 59.8585% | 3,851 |
| Net loans and leases to deposits | 98.2281% | 514 |
| Net loans and leases to core deposits | 104.6800% | 810 |
| Total domestic deposits to total assets | 60.9383% | 7,123 |
| Equity capital to assets | 14.8763% | 819 |
| Core capital (leverage) ratio | 13.5785% | 949 |
| Tier 1 risk-based capital ratio | 16.1904% | 3,074 |
| Total risk-based capital ratio | 17.4140% | 3,049 |
| Memoranda: | ||
| Average total assets | $282,506,330 | 2,283 |
| Average earning assets | $254,331,000 | 2,319 |
| Average equity | $41,011,000 | 1,705 |
| Average total loans | $174,330,330 | 2,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 2,228 |
| Cost of funding earning assets | 1.5588% | 224 |
| Net interest margin | 3.3441% | 5,320 |
| Noninterest income to average assets | 0.8304% | 2,032 |
| Noninterest expense to average assets | 2.2604% | 5,878 |
| Loan and lease loss provision to assets | 0.4222% | 1,486 |
| Net operating income to assets | 0.9591% | 2,646 |
| Return on assets (ROA) | 0.9895% | 2,713 |
| Pretax return on assets | 1.1978% | 2,921 |
| Return on Equity (ROE) | 6.8999% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,928 |
| Net charge-offs to loans | 0.4025% | 2,096 |
| Credit loss provision to net charge-offs | 169.4915% | 1,507 |
| Earnings coverage of net charge-offs (x) | 6.3559% | 2,223 |
| Efficiency ratio | 58.8063% | 5,801 |
| Assets per employee ($millions) | 4.5518% | 2,896 |
| Cash dividends to net income (ytd only)* | 35.5619% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0843% | 773 |
| Loan loss allowance to noncurrent loans | 48.6406% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 5.2661% | 965 |
| Noncurrent loans to loans | 6.3410% | 755 |
| Net loans and leases to total assets | 58.9152% | 3,872 |
| Net loans and leases to deposits | 99.6291% | 384 |
| Net loans and leases to core deposits | 106.7132% | 650 |
| Total domestic deposits to total assets | 59.1345% | 7,203 |
| Equity capital to assets | 14.7831% | 787 |
| Core capital (leverage) ratio | 12.9870% | 1,133 |
| Tier 1 risk-based capital ratio | 16.4544% | 2,929 |
| Total risk-based capital ratio | 17.6831% | 2,902 |
| Memoranda: | ||
| Average total assets | $284,192,000 | 2,289 |
| Average earning assets | $256,092,500 | 2,315 |
| Average equity | $40,754,000 | 1,706 |
| Average total loans | $175,899,500 | 2,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 2,123 |
| Cost of funding earning assets | 1.6792% | 345 |
| Net interest margin | 3.5074% | 5,117 |
| Noninterest income to average assets | 1.0281% | 1,289 |
| Noninterest expense to average assets | 2.1549% | 6,373 |
| Loan and lease loss provision to assets | 0.7597% | 1,319 |
| Net operating income to assets | 0.9887% | 2,242 |
| Return on assets (ROA) | 1.0453% | 2,171 |
| Pretax return on assets | 1.3054% | 2,112 |
| Return on Equity (ROE) | 7.5711% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.8188% | 4,237 |
| Net charge-offs to loans | 1.6080% | 984 |
| Credit loss provision to net charge-offs | 78.7966% | 4,509 |
| Earnings coverage of net charge-offs (x) | 2.0684% | 4,232 |
| Efficiency ratio | 51.9351% | 6,705 |
| Assets per employee ($millions) | 4.7659% | 2,494 |
| Cash dividends to net income (ytd only)* | 62.7684% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 1,001 |
| Loan loss allowance to noncurrent loans | 46.8220% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 5.1083% | 1,034 |
| Noncurrent loans to loans | 5.9320% | 844 |
| Net loans and leases to total assets | 61.2011% | 3,741 |
| Net loans and leases to deposits | 99.0255% | 501 |
| Net loans and leases to core deposits | 116.9090% | 425 |
| Total domestic deposits to total assets | 61.8034% | 7,207 |
| Equity capital to assets | 13.9174% | 1,094 |
| Core capital (leverage) ratio | 12.8539% | 1,198 |
| Tier 1 risk-based capital ratio | 15.8398% | 3,138 |
| Total risk-based capital ratio | 17.0595% | 3,113 |
| Memoranda: | ||
| Average total assets | $289,570,800 | 2,197 |
| Average earning assets | $257,683,200 | 2,253 |
| Average equity | $39,981,000 | 1,687 |
| Average total loans | $173,627,200 | 2,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 1,973 |
| Cost of funding earning assets | 1.7040% | 389 |
| Net interest margin | 3.5634% | 4,924 |
| Noninterest income to average assets | 1.0601% | 1,194 |
| Noninterest expense to average assets | 2.1736% | 6,334 |
| Loan and lease loss provision to assets | 0.7144% | 1,342 |
| Net operating income to assets | 1.0623% | 2,099 |
| Return on assets (ROA) | 1.1080% | 2,080 |
| Pretax return on assets | 1.3915% | 1,962 |
| Return on Equity (ROE) | 8.0411% | 3,023 |
| Retained earnings to average equity (ytd only) | 4.3617% | 3,626 |
| Net charge-offs to loans | 1.9764% | 647 |
| Credit loss provision to net charge-offs | 61.0477% | 4,778 |
| Earnings coverage of net charge-offs (x) | 1.7507% | 4,342 |
| Efficiency ratio | 51.4791% | 6,725 |
| Assets per employee ($millions) | 4.8802% | 2,355 |
| Cash dividends to net income (ytd only)* | 45.7571% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7490% | 1,077 |
| Loan loss allowance to noncurrent loans | 42.8336% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 5.4357% | 1,030 |
| Noncurrent loans to loans | 6.4179% | 832 |
| Net loans and leases to total assets | 58.5664% | 4,403 |
| Net loans and leases to deposits | 96.9365% | 645 |
| Net loans and leases to core deposits | 114.1011% | 551 |
| Total domestic deposits to total assets | 60.4173% | 7,294 |
| Equity capital to assets | 14.4552% | 1,007 |
| Core capital (leverage) ratio | 13.1987% | 1,153 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,907 |
| Total risk-based capital ratio | 17.6190% | 2,897 |
| Memoranda: | ||
| Average total assets | $289,283,000 | 2,217 |
| Average earning assets | $256,716,750 | 2,270 |
| Average equity | $39,861,000 | 1,690 |
| Average total loans | $171,282,000 | 2,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 2,380 |
| Cost of funding earning assets | 1.7192% | 434 |
| Net interest margin | 3.4500% | 5,368 |
| Noninterest income to average assets | 1.2129% | 864 |
| Noninterest expense to average assets | 2.2254% | 6,313 |
| Loan and lease loss provision to assets | 0.5148% | 1,902 |
| Net operating income to assets | 1.1761% | 1,645 |
| Return on assets (ROA) | 1.1587% | 1,772 |
| Pretax return on assets | 1.4985% | 1,536 |
| Return on Equity (ROE) | 8.5448% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.9765% | 4,387 |
| Net charge-offs to loans | 1.7883% | 788 |
| Credit loss provision to net charge-offs | 48.8918% | 4,611 |
| Earnings coverage of net charge-offs (x) | 1.9335% | 3,893 |
| Efficiency ratio | 52.2229% | 6,772 |
| Assets per employee ($millions) | 4.8109% | 2,392 |
| Cash dividends to net income (ytd only)* | 65.1659% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9783% | 916 |
| Loan loss allowance to noncurrent loans | 35.6487% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 6.1826% | 892 |
| Noncurrent loans to loans | 8.3545% | 519 |
| Net loans and leases to total assets | 56.1329% | 4,974 |
| Net loans and leases to deposits | 90.6315% | 1,205 |
| Net loans and leases to core deposits | 106.7065% | 886 |
| Total domestic deposits to total assets | 61.9353% | 7,352 |
| Equity capital to assets | 14.0978% | 1,070 |
| Core capital (leverage) ratio | 12.7528% | 1,269 |
| Tier 1 risk-based capital ratio | 16.5168% | 2,734 |
| Total risk-based capital ratio | 17.7244% | 2,715 |
| Memoranda: | ||
| Average total assets | $291,359,670 | 2,208 |
| Average earning assets | $257,452,000 | 2,278 |
| Average equity | $39,509,330 | 1,691 |
| Average total loans | $171,556,000 | 2,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 1,689 |
| Cost of funding earning assets | 1.7324% | 491 |
| Net interest margin | 3.6313% | 4,418 |
| Noninterest income to average assets | 1.4150% | 643 |
| Noninterest expense to average assets | 2.3042% | 6,170 |
| Loan and lease loss provision to assets | 0.5083% | 1,709 |
| Net operating income to assets | 1.3946% | 1,072 |
| Return on assets (ROA) | 1.3988% | 1,105 |
| Pretax return on assets | 1.8298% | 773 |
| Return on Equity (ROE) | 10.5156% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.4587% | 1,958 |
| Net charge-offs to loans | 1.6368% | 820 |
| Credit loss provision to net charge-offs | 52.3013% | 3,709 |
| Earnings coverage of net charge-offs (x) | 2.4003% | 3,122 |
| Efficiency ratio | 49.6931% | 7,010 |
| Assets per employee ($millions) | 4.5268% | 2,843 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2102% | 767 |
| Loan loss allowance to noncurrent loans | 32.5618% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 6.5334% | 851 |
| Noncurrent loans to loans | 9.8588% | 413 |
| Net loans and leases to total assets | 55.4910% | 5,078 |
| Net loans and leases to deposits | 88.3246% | 1,428 |
| Net loans and leases to core deposits | 104.7254% | 1,016 |
| Total domestic deposits to total assets | 62.8262% | 7,387 |
| Equity capital to assets | 13.7046% | 1,102 |
| Core capital (leverage) ratio | 12.0938% | 1,512 |
| Tier 1 risk-based capital ratio | 16.1652% | 2,828 |
| Total risk-based capital ratio | 17.3674% | 2,824 |
| Memoranda: | ||
| Average total assets | $295,116,500 | 2,192 |
| Average earning assets | $261,834,000 | 2,252 |
| Average equity | $39,256,000 | 1,690 |
| Average total loans | $175,223,000 | 2,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8142% | 1,243 |
| Cost of funding earning assets | 1.7983% | 1,176 |
| Net interest margin | 4.0159% | 2,955 |
| Noninterest income to average assets | 0.9979% | 1,508 |
| Noninterest expense to average assets | 2.2477% | 6,487 |
| Loan and lease loss provision to assets | 1.2740% | 1,217 |
| Net operating income to assets | 0.8824% | 2,458 |
| Return on assets (ROA) | 0.8411% | 2,763 |
| Pretax return on assets | 1.0511% | 2,772 |
| Return on Equity (ROE) | 6.8944% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.1014% | 1,763 |
| Net charge-offs to loans | 1.9244% | 1,070 |
| Credit loss provision to net charge-offs | 106.7856% | 4,172 |
| Earnings coverage of net charge-offs (x) | 1.9922% | 4,244 |
| Efficiency ratio | 48.6051% | 7,227 |
| Assets per employee ($millions) | 4.6234% | 2,659 |
| Cash dividends to net income (ytd only)* | 11.5031% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0784% | 816 |
| Loan loss allowance to noncurrent loans | 41.7771% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.0572% | 1,260 |
| Noncurrent loans to loans | 7.3686% | 743 |
| Net loans and leases to total assets | 59.4551% | 4,763 |
| Net loans and leases to deposits | 92.6584% | 1,181 |
| Net loans and leases to core deposits | 109.2653% | 967 |
| Total domestic deposits to total assets | 64.1659% | 7,441 |
| Equity capital to assets | 12.9136% | 1,434 |
| Core capital (leverage) ratio | 11.8724% | 1,634 |
| Tier 1 risk-based capital ratio | 15.0418% | 3,222 |
| Total risk-based capital ratio | 16.2616% | 3,199 |
| Memoranda: | ||
| Average total assets | $310,054,000 | 2,092 |
| Average earning assets | $279,985,600 | 2,108 |
| Average equity | $37,827,600 | 1,739 |
| Average total loans | $192,212,200 | 2,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 1,108 |
| Cost of funding earning assets | 1.8392% | 1,268 |
| Net interest margin | 4.0724% | 2,745 |
| Noninterest income to average assets | 1.0284% | 1,382 |
| Noninterest expense to average assets | 2.2348% | 6,513 |
| Loan and lease loss provision to assets | 1.3869% | 974 |
| Net operating income to assets | 0.8810% | 2,695 |
| Return on assets (ROA) | 0.8206% | 3,060 |
| Pretax return on assets | 1.0353% | 3,051 |
| Return on Equity (ROE) | 6.8222% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.7579% | 2,508 |
| Net charge-offs to loans | 1.8189% | 1,057 |
| Credit loss provision to net charge-offs | 122.6878% | 3,348 |
| Earnings coverage of net charge-offs (x) | 2.2103% | 4,071 |
| Efficiency ratio | 47.2142% | 7,314 |
| Assets per employee ($millions) | 4.5987% | 2,747 |
| Cash dividends to net income (ytd only)* | 15.6006% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0938% | 763 |
| Loan loss allowance to noncurrent loans | 58.9588% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.8407% | 1,845 |
| Noncurrent loans to loans | 5.2473% | 1,294 |
| Net loans and leases to total assets | 62.1783% | 4,491 |
| Net loans and leases to deposits | 97.0877% | 877 |
| Net loans and leases to core deposits | 115.8821% | 749 |
| Total domestic deposits to total assets | 64.0434% | 7,520 |
| Equity capital to assets | 12.7904% | 1,686 |
| Core capital (leverage) ratio | 11.5804% | 1,894 |
| Tier 1 risk-based capital ratio | 14.1614% | 3,716 |
| Total risk-based capital ratio | 15.3781% | 3,720 |
| Memoranda: | ||
| Average total assets | $312,437,250 | 2,107 |
| Average earning assets | $284,244,750 | 2,114 |
| Average equity | $37,582,500 | 1,773 |
| Average total loans | $194,177,750 | 2,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0090% | 929 |
| Cost of funding earning assets | 1.8788% | 1,311 |
| Net interest margin | 4.1301% | 2,431 |
| Noninterest income to average assets | 1.0862% | 1,132 |
| Noninterest expense to average assets | 2.2181% | 6,604 |
| Loan and lease loss provision to assets | 1.5852% | 828 |
| Net operating income to assets | 0.8417% | 2,767 |
| Return on assets (ROA) | 0.7210% | 3,465 |
| Pretax return on assets | 0.8890% | 3,542 |
| Return on Equity (ROE) | 6.1179% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.1179% | 2,269 |
| Net charge-offs to loans | 2.4775% | 702 |
| Credit loss provision to net charge-offs | 104.0366% | 3,919 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 4,219 |
| Efficiency ratio | 45.8153% | 7,446 |
| Assets per employee ($millions) | 4.7149% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8778% | 933 |
| Loan loss allowance to noncurrent loans | 46.1352% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 4.4649% | 1,491 |
| Noncurrent loans to loans | 6.2378% | 994 |
| Net loans and leases to total assets | 61.7479% | 4,732 |
| Net loans and leases to deposits | 96.1003% | 1,040 |
| Net loans and leases to core deposits | 119.3748% | 717 |
| Total domestic deposits to total assets | 64.2536% | 7,576 |
| Equity capital to assets | 12.5899% | 1,750 |
| Core capital (leverage) ratio | 11.1685% | 2,122 |
| Tier 1 risk-based capital ratio | 14.0247% | 3,715 |
| Total risk-based capital ratio | 15.2473% | 3,697 |
| Memoranda: | ||
| Average total assets | $315,411,000 | 2,113 |
| Average earning assets | $286,771,330 | 2,107 |
| Average equity | $37,169,670 | 1,790 |
| Average total loans | $193,988,330 | 2,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8118% | 1,420 |
| Cost of funding earning assets | 1.8841% | 1,512 |
| Net interest margin | 3.9277% | 3,208 |
| Noninterest income to average assets | 0.7659% | 2,199 |
| Noninterest expense to average assets | 2.0196% | 7,126 |
| Loan and lease loss provision to assets | 1.4896% | 786 |
| Net operating income to assets | 0.7288% | 3,312 |
| Return on assets (ROA) | 0.5300% | 4,372 |
| Pretax return on assets | 0.6045% | 4,584 |
| Return on Equity (ROE) | 4.6464% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.6464% | 3,352 |
| Net charge-offs to loans | 2.2373% | 762 |
| Credit loss provision to net charge-offs | 109.9908% | 3,130 |
| Earnings coverage of net charge-offs (x) | 1.7131% | 3,703 |
| Efficiency ratio | 46.5389% | 7,524 |
| Assets per employee ($millions) | 5.4181% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9041% | 895 |
| Loan loss allowance to noncurrent loans | 57.7919% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 3.6305% | 1,928 |
| Noncurrent loans to loans | 5.0250% | 1,438 |
| Net loans and leases to total assets | 58.8684% | 5,301 |
| Net loans and leases to deposits | 91.0480% | 1,753 |
| Net loans and leases to core deposits | 113.2792% | 1,076 |
| Total domestic deposits to total assets | 64.6565% | 7,656 |
| Equity capital to assets | 11.8517% | 2,134 |
| Core capital (leverage) ratio | 10.5737% | 2,553 |
| Tier 1 risk-based capital ratio | 13.3291% | 4,102 |
| Total risk-based capital ratio | 14.4923% | 4,124 |
| Memoranda: | ||
| Average total assets | $322,241,000 | 2,106 |
| Average earning assets | $293,196,000 | 2,126 |
| Average equity | $36,759,500 | 1,832 |
| Average total loans | $195,059,500 | 2,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2368% | 1,147 |
| Cost of funding earning assets | 2.1822% | 2,106 |
| Net interest margin | 4.0546% | 2,629 |
| Noninterest income to average assets | 1.0958% | 1,279 |
| Noninterest expense to average assets | 2.3290% | 6,662 |
| Loan and lease loss provision to assets | 1.5702% | 1,464 |
| Net operating income to assets | 0.7260% | 2,828 |
| Return on assets (ROA) | 0.8066% | 2,596 |
| Pretax return on assets | 1.0052% | 2,575 |
| Return on Equity (ROE) | 8.1555% | 2,306 |
| Retained earnings to average equity (ytd only) | 6.6435% | 1,097 |
| Net charge-offs to loans | 2.2453% | 1,051 |
| Credit loss provision to net charge-offs | 114.0065% | 4,805 |
| Earnings coverage of net charge-offs (x) | 1.7967% | 4,375 |
| Efficiency ratio | 48.4839% | 7,609 |
| Assets per employee ($millions) | 5.1599% | 1,999 |
| Cash dividends to net income (ytd only)* | 18.5391% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7175% | 1,000 |
| Loan loss allowance to noncurrent loans | 62.0666% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.1535% | 2,194 |
| Noncurrent loans to loans | 4.3784% | 1,639 |
| Net loans and leases to total assets | 58.7975% | 5,517 |
| Net loans and leases to deposits | 90.6882% | 2,107 |
| Net loans and leases to core deposits | 128.3569% | 1,373 |
| Total domestic deposits to total assets | 64.8347% | 7,679 |
| Equity capital to assets | 10.9847% | 2,717 |
| Core capital (leverage) ratio | 10.1598% | 2,938 |
| Tier 1 risk-based capital ratio | 12.1400% | 4,823 |
| Total risk-based capital ratio | 13.3196% | 4,849 |
| Memoranda: | ||
| Average total assets | $334,352,800 | 2,030 |
| Average earning assets | $305,751,000 | 2,036 |
| Average equity | $33,069,800 | 2,027 |
| Average total loans | $205,094,800 | 2,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3094% | 1,114 |
| Cost of funding earning assets | 2.2505% | 2,183 |
| Net interest margin | 4.0590% | 2,550 |
| Noninterest income to average assets | 1.1847% | 1,113 |
| Noninterest expense to average assets | 2.4608% | 6,211 |
| Loan and lease loss provision to assets | 1.7890% | 1,036 |
| Net operating income to assets | 0.5364% | 3,840 |
| Return on assets (ROA) | 0.6965% | 3,279 |
| Pretax return on assets | 0.8472% | 3,391 |
| Return on Equity (ROE) | 7.2391% | 2,971 |
| Retained earnings to average equity (ytd only) | 7.2391% | 1,420 |
| Net charge-offs to loans | 2.1794% | 885 |
| Credit loss provision to net charge-offs | 133.3333% | 3,741 |
| Earnings coverage of net charge-offs (x) | 1.8193% | 4,437 |
| Efficiency ratio | 50.2028% | 7,541 |
| Assets per employee ($millions) | 4.6851% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9193% | 710 |
| Loan loss allowance to noncurrent loans | 48.7611% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 4.6335% | 1,301 |
| Noncurrent loans to loans | 5.9869% | 989 |
| Net loans and leases to total assets | 59.0230% | 5,739 |
| Net loans and leases to deposits | 93.8262% | 1,913 |
| Net loans and leases to core deposits | 130.3389% | 1,416 |
| Total domestic deposits to total assets | 62.9068% | 7,800 |
| Equity capital to assets | 10.6502% | 3,346 |
| Core capital (leverage) ratio | 9.8074% | 3,511 |
| Tier 1 risk-based capital ratio | 12.0187% | 4,961 |
| Total risk-based capital ratio | 13.2253% | 4,935 |
| Memoranda: | ||
| Average total assets | $335,383,000 | 2,046 |
| Average earning assets | $307,130,500 | 2,048 |
| Average equity | $32,268,500 | 2,087 |
| Average total loans | $206,470,500 | 2,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4631% | 892 |
| Cost of funding earning assets | 2.3569% | 2,136 |
| Net interest margin | 4.1062% | 2,300 |
| Noninterest income to average assets | 1.3113% | 895 |
| Noninterest expense to average assets | 2.4377% | 6,344 |
| Loan and lease loss provision to assets | 1.9031% | 862 |
| Net operating income to assets | 0.5831% | 3,757 |
| Return on assets (ROA) | 0.6958% | 3,383 |
| Pretax return on assets | 0.8784% | 3,409 |
| Return on Equity (ROE) | 7.4962% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.4962% | 1,389 |
| Net charge-offs to loans | 2.7112% | 622 |
| Credit loss provision to net charge-offs | 113.5557% | 4,082 |
| Earnings coverage of net charge-offs (x) | 1.5745% | 4,358 |
| Efficiency ratio | 48.0201% | 7,753 |
| Assets per employee ($millions) | 4.5247% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5785% | 839 |
| Loan loss allowance to noncurrent loans | 35.7806% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 4.4586% | 1,260 |
| Noncurrent loans to loans | 7.2065% | 665 |
| Net loans and leases to total assets | 59.0341% | 5,838 |
| Net loans and leases to deposits | 93.6489% | 2,146 |
| Net loans and leases to core deposits | 131.2485% | 1,470 |
| Total domestic deposits to total assets | 63.0377% | 7,866 |
| Equity capital to assets | 10.2963% | 3,622 |
| Core capital (leverage) ratio | 9.6619% | 3,682 |
| Tier 1 risk-based capital ratio | 11.9278% | 4,979 |
| Total risk-based capital ratio | 13.0585% | 5,005 |
| Memoranda: | ||
| Average total assets | $336,296,330 | 2,059 |
| Average earning assets | $308,365,000 | 2,066 |
| Average equity | $31,215,670 | 2,170 |
| Average total loans | $207,880,670 | 2,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3897% | 1,085 |
| Cost of funding earning assets | 2.3809% | 2,377 |
| Net interest margin | 4.0088% | 2,610 |
| Noninterest income to average assets | 0.7239% | 2,740 |
| Noninterest expense to average assets | 2.0879% | 7,146 |
| Loan and lease loss provision to assets | 1.8863% | 649 |
| Net operating income to assets | 0.3547% | 5,049 |
| Return on assets (ROA) | 0.4468% | 4,838 |
| Pretax return on assets | 0.5317% | 4,971 |
| Return on Equity (ROE) | 5.0840% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.0840% | 3,072 |
| Net charge-offs to loans | 1.3223% | 1,060 |
| Credit loss provision to net charge-offs | 228.5714% | 2,000 |
| Earnings coverage of net charge-offs (x) | 2.7971% | 3,381 |
| Efficiency ratio | 47.4926% | 7,756 |
| Assets per employee ($millions) | 4.8529% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6958% | 631 |
| Loan loss allowance to noncurrent loans | 54.1631% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 3.1757% | 1,755 |
| Noncurrent loans to loans | 4.9772% | 1,093 |
| Net loans and leases to total assets | 60.3413% | 5,598 |
| Net loans and leases to deposits | 95.1171% | 2,091 |
| Net loans and leases to core deposits | 133.8743% | 1,420 |
| Total domestic deposits to total assets | 63.4390% | 7,867 |
| Equity capital to assets | 9.6454% | 4,462 |
| Core capital (leverage) ratio | 9.0199% | 4,674 |
| Tier 1 risk-based capital ratio | 11.4672% | 5,446 |
| Total risk-based capital ratio | 12.6727% | 5,384 |
| Memoranda: | ||
| Average total assets | $339,292,500 | 2,050 |
| Average earning assets | $310,813,000 | 2,060 |
| Average equity | $29,819,000 | 2,293 |
| Average total loans | $211,744,500 | 2,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8642% | 1,502 |
| Cost of funding earning assets | 3.0288% | 1,760 |
| Net interest margin | 3.8354% | 3,870 |
| Noninterest income to average assets | 0.8266% | 2,376 |
| Noninterest expense to average assets | 1.8398% | 7,704 |
| Loan and lease loss provision to assets | 1.1920% | 1,210 |
| Net operating income to assets | 0.9625% | 2,730 |
| Return on assets (ROA) | 0.9533% | 2,640 |
| Pretax return on assets | 1.2654% | 2,424 |
| Return on Equity (ROE) | 10.3447% | 2,142 |
| Retained earnings to average equity (ytd only) | 3.1963% | 3,158 |
| Net charge-offs to loans | 1.3228% | 896 |
| Credit loss provision to net charge-offs | 141.3690% | 3,753 |
| Earnings coverage of net charge-offs (x) | 2.9289% | 4,618 |
| Efficiency ratio | 42.6918% | 8,053 |
| Assets per employee ($millions) | 4.9113% | 2,039 |
| Cash dividends to net income (ytd only)* | 69.1017% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 908 |
| Loan loss allowance to noncurrent loans | 51.1451% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 2.8467% | 1,646 |
| Noncurrent loans to loans | 4.3904% | 1,088 |
| Net loans and leases to total assets | 61.3930% | 5,714 |
| Net loans and leases to deposits | 95.2640% | 2,567 |
| Net loans and leases to core deposits | 125.6154% | 2,194 |
| Total domestic deposits to total assets | 64.4451% | 7,760 |
| Equity capital to assets | 7.9297% | 6,927 |
| Core capital (leverage) ratio | 8.3457% | 5,861 |
| Tier 1 risk-based capital ratio | 10.3841% | 6,328 |
| Total risk-based capital ratio | 11.6372% | 6,203 |
| Memoranda: | ||
| Average total assets | $318,788,600 | 2,095 |
| Average earning assets | $289,488,000 | 2,106 |
| Average equity | $29,377,400 | 2,303 |
| Average total loans | $203,203,400 | 2,268 |