Home > Gibsland Bank & Trust Company > Performance and Condition Ratios
Gibsland Bank & Trust Company, 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 | 5.4151% | 1,285 |
| Cost of funding earning assets | 1.1994% | 2,805 |
| Net interest margin | 4.2157% | 911 |
| Noninterest income to average assets | 1.6800% | 327 |
| Noninterest expense to average assets | 3.4556% | 609 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.4549% | 1,110 |
| Return on assets (ROA) | 1.3821% | 1,220 |
| Pretax return on assets | 1.6420% | 1,164 |
| Return on Equity (ROE) | 12.6200% | 1,813 |
| Retained earnings to average equity (ytd only) | 12.6208% | 557 |
| Net charge-offs to loans | 0.3503% | 308 |
| Credit loss provision to net charge-offs | 126.9991% | 1,619 |
| Earnings coverage of net charge-offs (x) | 9.2230% | 2,304 |
| Efficiency ratio | 63.2850% | 2,694 |
| Assets per employee ($millions) | 5.0650% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 623 |
| Loan loss allowance to noncurrent loans | 148.6443% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8009% | 179 |
| Noncurrent loans to loans | 1.1609% | 622 |
| Net loans and leases to total assets | 59.8400% | 2,856 |
| Net loans and leases to deposits | 67.8662% | 3,044 |
| Net loans and leases to core deposits | 73.8136% | 3,083 |
| Total domestic deposits to total assets | 88.1800% | 1,291 |
| Equity capital to assets | 11.2623% | 1,385 |
| Core capital (leverage) ratio | 12.9399% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $489,034,800 | 1,750 |
| Average earning assets | $438,219,600 | 1,781 |
| Average equity | $53,554,600 | 1,517 |
| Average total loans | $303,470,200 | 1,778 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 1,161 |
| Cost of funding earning assets | 1.0885% | 2,775 |
| Net interest margin | 4.2929% | 810 |
| Noninterest income to average assets | 2.0700% | 274 |
| Noninterest expense to average assets | 3.8224% | 411 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.4547% | 1,212 |
| Return on assets (ROA) | 1.3364% | 1,438 |
| Pretax return on assets | 1.5763% | 1,408 |
| Return on Equity (ROE) | 12.3000% | 2,051 |
| Retained earnings to average equity (ytd only) | 12.2985% | 924 |
| Net charge-offs to loans | 1.2190% | 78 |
| Credit loss provision to net charge-offs | 49.2341% | 1,898 |
| Earnings coverage of net charge-offs (x) | 2.7487% | 2,466 |
| Efficiency ratio | 64.6532% | 2,425 |
| Assets per employee ($millions) | 5.0856% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,252 |
| Loan loss allowance to noncurrent loans | 71.4715% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 92 |
| Noncurrent loans to loans | 1.7140% | 391 |
| Net loans and leases to total assets | 64.1500% | 2,428 |
| Net loans and leases to deposits | 72.8502% | 2,657 |
| Net loans and leases to core deposits | 79.6017% | 2,630 |
| Total domestic deposits to total assets | 88.0500% | 1,555 |
| Equity capital to assets | 11.2293% | 1,263 |
| Core capital (leverage) ratio | 12.9181% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $480,869,250 | 1,775 |
| Average earning assets | $429,936,750 | 1,805 |
| Average equity | $52,254,500 | 1,541 |
| Average total loans | $299,919,750 | 1,791 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 1,192 |
| Cost of funding earning assets | 0.9598% | 2,735 |
| Net interest margin | 4.2541% | 857 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.9393% | 1,143 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1087% | 2,101 |
| Return on assets (ROA) | 1.1087% | 2,089 |
| Pretax return on assets | 1.2685% | 2,170 |
| Return on Equity (ROE) | 10.3200% | 2,618 |
| Retained earnings to average equity (ytd only) | 10.3169% | 1,326 |
| Net charge-offs to loans | 1.2422% | 66 |
| Credit loss provision to net charge-offs | 21.7273% | 1,763 |
| Earnings coverage of net charge-offs (x) | 1.8772% | 2,347 |
| Efficiency ratio | 67.2013% | 2,081 |
| Assets per employee ($millions) | 4.8929% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,052 |
| Loan loss allowance to noncurrent loans | 110.8355% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.5812% | 95 |
| Noncurrent loans to loans | 1.1476% | 617 |
| Net loans and leases to total assets | 62.6900% | 2,511 |
| Net loans and leases to deposits | 70.9580% | 2,720 |
| Net loans and leases to core deposits | 76.7824% | 2,708 |
| Total domestic deposits to total assets | 88.3400% | 1,479 |
| Equity capital to assets | 11.3382% | 1,254 |
| Core capital (leverage) ratio | 12.4655% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $481,810,667 | 1,768 |
| Average earning assets | $430,735,000 | 1,805 |
| Average equity | $51,779,000 | 1,556 |
| Average total loans | $296,409,000 | 1,795 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 1,274 |
| Cost of funding earning assets | 0.8288% | 2,610 |
| Net interest margin | 4.1467% | 1,036 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.9435% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3298% | 1,589 |
| Return on assets (ROA) | 1.3298% | 1,562 |
| Pretax return on assets | 1.3298% | 2,085 |
| Return on Equity (ROE) | 12.7100% | 2,047 |
| Retained earnings to average equity (ytd only) | 12.7053% | 1,141 |
| Net charge-offs to loans | -0.0283% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8813% | 1,874 |
| Assets per employee ($millions) | 5.1029% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 735 |
| Loan loss allowance to noncurrent loans | 87.9151% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8317% | 61 |
| Noncurrent loans to loans | 1.9805% | 284 |
| Net loans and leases to total assets | 61.3700% | 2,526 |
| Net loans and leases to deposits | 69.1705% | 2,682 |
| Net loans and leases to core deposits | 74.8717% | 2,609 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 10.9913% | 1,340 |
| Core capital (leverage) ratio | 11.9219% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $490,302,000 | 1,764 |
| Average earning assets | $439,193,500 | 1,806 |
| Average equity | $51,317,000 | 1,581 |
| Average total loans | $297,043,500 | 1,803 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 1,061 |
| Cost of funding earning assets | 0.2639% | 3,215 |
| Net interest margin | 4.0332% | 748 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.0130% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9899% | 2,606 |
| Return on assets (ROA) | 0.9899% | 2,554 |
| Pretax return on assets | 0.9899% | 3,099 |
| Return on Equity (ROE) | 9.7900% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.7940% | 1,220 |
| Net charge-offs to loans | 2.4307% | 26 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.6991% | 2,554 |
| Efficiency ratio | 75.2696% | 1,094 |
| Assets per employee ($millions) | 5.3291% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 705 |
| Loan loss allowance to noncurrent loans | 215.2922% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 117 |
| Noncurrent loans to loans | 0.8193% | 901 |
| Net loans and leases to total assets | 57.7600% | 2,841 |
| Net loans and leases to deposits | 64.4837% | 3,000 |
| Net loans and leases to core deposits | 69.3973% | 2,919 |
| Total domestic deposits to total assets | 89.5700% | 1,529 |
| Equity capital to assets | 9.9638% | 1,723 |
| Core capital (leverage) ratio | 11.9069% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $468,005,800 | 1,811 |
| Average earning assets | $419,792,400 | 1,848 |
| Average equity | $47,304,400 | 1,694 |
| Average total loans | $272,641,000 | 1,845 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 967 |
| Cost of funding earning assets | 0.2406% | 2,812 |
| Net interest margin | 3.9155% | 776 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.8518% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9935% | 2,495 |
| Return on assets (ROA) | 0.9935% | 2,470 |
| Pretax return on assets | 1.1974% | 2,378 |
| Return on Equity (ROE) | 9.7900% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.7913% | 1,404 |
| Net charge-offs to loans | 3.4683% | 14 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.5941% | 2,290 |
| Efficiency ratio | 70.4290% | 1,707 |
| Assets per employee ($millions) | 5.0895% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 824 |
| Loan loss allowance to noncurrent loans | 251.1340% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 2.2890% | 102 |
| Noncurrent loans to loans | 0.6906% | 1,182 |
| Net loans and leases to total assets | 58.9600% | 2,604 |
| Net loans and leases to deposits | 66.3414% | 2,690 |
| Net loans and leases to core deposits | 72.1101% | 2,476 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 10.4208% | 1,410 |
| Core capital (leverage) ratio | 12.1341% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $459,774,250 | 1,837 |
| Average earning assets | $412,815,500 | 1,883 |
| Average equity | $46,652,500 | 1,732 |
| Average total loans | $267,172,250 | 1,868 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 943 |
| Cost of funding earning assets | 0.2328% | 2,470 |
| Net interest margin | 3.7634% | 815 |
| Noninterest income to average assets | 0.3287% | 3,198 |
| Noninterest expense to average assets | 2.5386% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9493% | 2,362 |
| Return on assets (ROA) | 0.9493% | 2,335 |
| Pretax return on assets | 1.1655% | 2,187 |
| Return on Equity (ROE) | 9.4430% | 2,547 |
| Retained earnings to average equity (ytd only) | 9.4430% | 1,157 |
| Net charge-offs to loans | 4.2249% | 9 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.4801% | 2,096 |
| Efficiency ratio | 68.5336% | 2,168 |
| Assets per employee ($millions) | 5.3047% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 300 |
| Loan loss allowance to noncurrent loans | 126.4356% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 3.0645% | 58 |
| Noncurrent loans to loans | 1.8742% | 358 |
| Net loans and leases to total assets | 57.3380% | 2,597 |
| Net loans and leases to deposits | 65.1729% | 2,622 |
| Net loans and leases to core deposits | 72.2948% | 2,310 |
| Total domestic deposits to total assets | 87.9783% | 2,587 |
| Equity capital to assets | 10.8051% | 1,302 |
| Core capital (leverage) ratio | 12.0329% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6475% | 1,045 |
| Memoranda: | ||
| Average total assets | $456,953,333 | 1,852 |
| Average earning assets | $409,841,333 | 1,914 |
| Average equity | $45,938,667 | 1,804 |
| Average total loans | $262,587,667 | 1,885 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 1,216 |
| Cost of funding earning assets | 0.2346% | 2,327 |
| Net interest margin | 3.4979% | 1,095 |
| Noninterest income to average assets | 0.2644% | 3,543 |
| Noninterest expense to average assets | 2.7401% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5574% | 3,536 |
| Return on assets (ROA) | 0.5574% | 3,509 |
| Pretax return on assets | 0.6618% | 3,492 |
| Return on Equity (ROE) | 5.7556% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.7556% | 2,331 |
| Net charge-offs to loans | 3.0397% | 19 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.3830% | 1,773 |
| Efficiency ratio | 80.5470% | 1,103 |
| Assets per employee ($millions) | 5.2242% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8407% | 82 |
| Loan loss allowance to noncurrent loans | 118.0389% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 3.8736% | 40 |
| Noncurrent loans to loans | 3.2537% | 146 |
| Net loans and leases to total assets | 55.4521% | 2,584 |
| Net loans and leases to deposits | 61.6567% | 2,744 |
| Net loans and leases to core deposits | 68.1185% | 2,448 |
| Total domestic deposits to total assets | 89.9369% | 1,603 |
| Equity capital to assets | 8.7741% | 2,910 |
| Core capital (leverage) ratio | 9.2526% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0442% | 1,781 |
| Memoranda: | ||
| Average total assets | $459,980,000 | 1,858 |
| Average earning assets | $412,592,500 | 1,908 |
| Average equity | $44,548,000 | 1,904 |
| Average total loans | $261,475,500 | 1,876 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 908 |
| Cost of funding earning assets | 0.4045% | 1,518 |
| Net interest margin | 3.8545% | 914 |
| Noninterest income to average assets | 0.9676% | 1,061 |
| Noninterest expense to average assets | 2.7310% | 1,544 |
| Loan and lease loss provision to assets | 1.1363% | 25 |
| Net operating income to assets | 0.4599% | 4,164 |
| Return on assets (ROA) | 0.4599% | 4,212 |
| Pretax return on assets | 0.5505% | 4,176 |
| Return on Equity (ROE) | 4.2739% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.7354% | 3,324 |
| Net charge-offs to loans | 1.8975% | 24 |
| Credit loss provision to net charge-offs | 100.0567% | 1,788 |
| Earnings coverage of net charge-offs (x) | 1.4853% | 2,616 |
| Efficiency ratio | 61.8187% | 2,896 |
| Assets per employee ($millions) | 5.6655% | 3,109 |
| Cash dividends to net income (ytd only)* | 12.5992% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,274 |
| Loan loss allowance to noncurrent loans | 23.0277% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 4.0714% | 41 |
| Noncurrent loans to loans | 3.4529% | 149 |
| Net loans and leases to total assets | 55.6321% | 2,660 |
| Net loans and leases to deposits | 63.1170% | 2,773 |
| Net loans and leases to core deposits | 69.5081% | 2,503 |
| Total domestic deposits to total assets | 88.1413% | 1,964 |
| Equity capital to assets | 10.5345% | 2,141 |
| Core capital (leverage) ratio | 11.2312% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5855% | 1,367 |
| Memoranda: | ||
| Average total assets | $465,976,000 | 1,788 |
| Average earning assets | $417,092,600 | 1,846 |
| Average equity | $50,142,000 | 1,760 |
| Average total loans | $278,896,000 | 1,792 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 830 |
| Cost of funding earning assets | 0.4313% | 1,476 |
| Net interest margin | 3.9552% | 859 |
| Noninterest income to average assets | 1.1409% | 875 |
| Noninterest expense to average assets | 2.5852% | 1,884 |
| Loan and lease loss provision to assets | 1.0874% | 30 |
| Net operating income to assets | 0.9470% | 3,093 |
| Return on assets (ROA) | 0.9470% | 3,172 |
| Pretax return on assets | 1.0028% | 3,447 |
| Return on Equity (ROE) | 8.7532% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.7532% | 1,784 |
| Net charge-offs to loans | 1.5310% | 40 |
| Credit loss provision to net charge-offs | 116.7748% | 1,476 |
| Earnings coverage of net charge-offs (x) | 2.2447% | 2,357 |
| Efficiency ratio | 55.2944% | 3,619 |
| Assets per employee ($millions) | 5.2816% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,919 |
| Loan loss allowance to noncurrent loans | 19.5678% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 5.1891% | 27 |
| Noncurrent loans to loans | 5.0003% | 75 |
| Net loans and leases to total assets | 60.0082% | 2,266 |
| Net loans and leases to deposits | 68.9928% | 2,331 |
| Net loans and leases to core deposits | 76.6971% | 1,986 |
| Total domestic deposits to total assets | 86.9775% | 2,358 |
| Equity capital to assets | 11.5917% | 1,614 |
| Core capital (leverage) ratio | 11.5790% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0508% | 1,342 |
| Memoranda: | ||
| Average total assets | $463,494,250 | 1,817 |
| Average earning assets | $414,195,250 | 1,874 |
| Average equity | $50,144,000 | 1,774 |
| Average total loans | $281,900,750 | 1,817 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 606 |
| Cost of funding earning assets | 0.4394% | 1,594 |
| Net interest margin | 4.1786% | 609 |
| Noninterest income to average assets | 0.6341% | 2,072 |
| Noninterest expense to average assets | 2.4909% | 2,175 |
| Loan and lease loss provision to assets | 1.3580% | 21 |
| Net operating income to assets | 0.4390% | 4,320 |
| Return on assets (ROA) | 0.4390% | 4,361 |
| Pretax return on assets | 0.5218% | 4,351 |
| Return on Equity (ROE) | 4.1525% | 4,306 |
| Retained earnings to average equity (ytd only) | 4.1525% | 3,476 |
| Net charge-offs to loans | 0.9426% | 85 |
| Credit loss provision to net charge-offs | 236.6071% | 983 |
| Earnings coverage of net charge-offs (x) | 3.2753% | 2,081 |
| Efficiency ratio | 56.9907% | 3,410 |
| Assets per employee ($millions) | 5.5089% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,041 |
| Loan loss allowance to noncurrent loans | 20.4076% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 5.8780% | 20 |
| Noncurrent loans to loans | 6.7841% | 44 |
| Net loans and leases to total assets | 60.8788% | 2,321 |
| Net loans and leases to deposits | 71.0984% | 2,290 |
| Net loans and leases to core deposits | 79.0372% | 1,958 |
| Total domestic deposits to total assets | 85.6262% | 2,864 |
| Equity capital to assets | 10.7733% | 2,167 |
| Core capital (leverage) ratio | 10.8078% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4418% | 1,486 |
| Memoranda: | ||
| Average total assets | $468,345,667 | 1,792 |
| Average earning assets | $418,796,000 | 1,848 |
| Average equity | $49,512,000 | 1,782 |
| Average total loans | $285,180,000 | 1,804 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 481 |
| Cost of funding earning assets | 0.4591% | 1,656 |
| Net interest margin | 4.3554% | 469 |
| Noninterest income to average assets | 0.6333% | 2,080 |
| Noninterest expense to average assets | 2.3678% | 2,600 |
| Loan and lease loss provision to assets | 1.3499% | 23 |
| Net operating income to assets | 0.6656% | 3,789 |
| Return on assets (ROA) | 0.6656% | 3,862 |
| Pretax return on assets | 0.8057% | 3,801 |
| Return on Equity (ROE) | 6.3557% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.3557% | 2,777 |
| Net charge-offs to loans | 0.5363% | 151 |
| Credit loss provision to net charge-offs | 416.2304% | 644 |
| Earnings coverage of net charge-offs (x) | 6.6466% | 1,641 |
| Efficiency ratio | 52.3461% | 3,965 |
| Assets per employee ($millions) | 5.8673% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 3,093 |
| Loan loss allowance to noncurrent loans | 33.9040% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.8144% | 65 |
| Noncurrent loans to loans | 3.4523% | 200 |
| Net loans and leases to total assets | 59.8478% | 2,560 |
| Net loans and leases to deposits | 69.6295% | 2,548 |
| Net loans and leases to core deposits | 77.1533% | 2,250 |
| Total domestic deposits to total assets | 85.9518% | 2,753 |
| Equity capital to assets | 10.5376% | 2,232 |
| Core capital (leverage) ratio | 10.9996% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8220% | 1,630 |
| Memoranda: | ||
| Average total assets | $471,146,500 | 1,775 |
| Average earning assets | $420,811,000 | 1,837 |
| Average equity | $49,341,500 | 1,779 |
| Average total loans | $284,936,000 | 1,806 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 371 |
| Cost of funding earning assets | 0.8459% | 1,032 |
| Net interest margin | 4.3040% | 506 |
| Noninterest income to average assets | 0.3856% | 3,174 |
| Noninterest expense to average assets | 2.7779% | 2,003 |
| Loan and lease loss provision to assets | 1.1058% | 76 |
| Net operating income to assets | 0.3063% | 4,425 |
| Return on assets (ROA) | 0.3063% | 4,494 |
| Pretax return on assets | 0.3669% | 4,462 |
| Return on Equity (ROE) | 2.9190% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.3643% | 3,681 |
| Net charge-offs to loans | 1.5993% | 65 |
| Credit loss provision to net charge-offs | 101.9273% | 2,795 |
| Earnings coverage of net charge-offs (x) | 1.3574% | 3,261 |
| Efficiency ratio | 65.3532% | 2,625 |
| Assets per employee ($millions) | 6.0629% | 2,289 |
| Cash dividends to net income (ytd only)* | 19.0007% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 4,520 |
| Loan loss allowance to noncurrent loans | 25.2955% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 3.6130% | 77 |
| Noncurrent loans to loans | 2.9328% | 295 |
| Net loans and leases to total assets | 59.9502% | 2,870 |
| Net loans and leases to deposits | 69.5667% | 2,933 |
| Net loans and leases to core deposits | 77.2665% | 2,615 |
| Total domestic deposits to total assets | 86.1766% | 2,290 |
| Equity capital to assets | 10.4081% | 2,744 |
| Core capital (leverage) ratio | 10.9493% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6722% | 1,637 |
| Memoranda: | ||
| Average total assets | $463,906,800 | 1,652 |
| Average earning assets | $416,589,800 | 1,708 |
| Average equity | $48,681,600 | 1,737 |
| Average total loans | $314,699,600 | 1,633 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 276 |
| Cost of funding earning assets | 0.9350% | 948 |
| Net interest margin | 4.4686% | 409 |
| Noninterest income to average assets | 0.6452% | 2,000 |
| Noninterest expense to average assets | 2.8141% | 1,934 |
| Loan and lease loss provision to assets | 1.2158% | 86 |
| Net operating income to assets | 0.5126% | 3,995 |
| Return on assets (ROA) | 0.5126% | 4,092 |
| Pretax return on assets | 0.6250% | 4,060 |
| Return on Equity (ROE) | 4.8749% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.8749% | 2,620 |
| Net charge-offs to loans | 1.3235% | 94 |
| Credit loss provision to net charge-offs | 131.7272% | 2,438 |
| Earnings coverage of net charge-offs (x) | 1.9944% | 3,027 |
| Efficiency ratio | 60.4542% | 3,318 |
| Assets per employee ($millions) | 5.4646% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,964 |
| Loan loss allowance to noncurrent loans | 40.3885% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.5560% | 106 |
| Noncurrent loans to loans | 2.3100% | 481 |
| Net loans and leases to total assets | 70.2305% | 1,911 |
| Net loans and leases to deposits | 82.1764% | 2,079 |
| Net loans and leases to core deposits | 96.1998% | 1,441 |
| Total domestic deposits to total assets | 85.4630% | 2,263 |
| Equity capital to assets | 10.8620% | 2,512 |
| Core capital (leverage) ratio | 10.7384% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8272% | 1,883 |
| Memoranda: | ||
| Average total assets | $461,656,250 | 1,646 |
| Average earning assets | $414,257,000 | 1,692 |
| Average equity | $48,546,750 | 1,733 |
| Average total loans | $321,967,250 | 1,603 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 246 |
| Cost of funding earning assets | 1.0427% | 860 |
| Net interest margin | 4.6221% | 399 |
| Noninterest income to average assets | 0.6555% | 1,916 |
| Noninterest expense to average assets | 2.8543% | 1,964 |
| Loan and lease loss provision to assets | 1.0680% | 184 |
| Net operating income to assets | 0.7070% | 3,373 |
| Return on assets (ROA) | 0.7070% | 3,480 |
| Pretax return on assets | 0.8752% | 3,387 |
| Return on Equity (ROE) | 6.7971% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.7971% | 1,740 |
| Net charge-offs to loans | 0.3186% | 508 |
| Credit loss provision to net charge-offs | 483.3659% | 1,264 |
| Earnings coverage of net charge-offs (x) | 8.7945% | 2,265 |
| Efficiency ratio | 59.4953% | 3,485 |
| Assets per employee ($millions) | 5.0668% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,508 |
| Loan loss allowance to noncurrent loans | 45.3572% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 3.7155% | 101 |
| Noncurrent loans to loans | 2.6489% | 421 |
| Net loans and leases to total assets | 68.7343% | 2,228 |
| Net loans and leases to deposits | 79.8741% | 2,443 |
| Net loans and leases to core deposits | 95.4737% | 1,616 |
| Total domestic deposits to total assets | 86.0533% | 1,986 |
| Equity capital to assets | 10.4320% | 2,809 |
| Core capital (leverage) ratio | 10.6208% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1256% | 2,129 |
| Memoranda: | ||
| Average total assets | $462,531,667 | 1,622 |
| Average earning assets | $414,490,667 | 1,666 |
| Average equity | $48,109,000 | 1,734 |
| Average total loans | $320,818,000 | 1,588 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 447 |
| Cost of funding earning assets | 1.1715% | 844 |
| Net interest margin | 4.2500% | 832 |
| Noninterest income to average assets | 0.6751% | 1,753 |
| Noninterest expense to average assets | 3.0242% | 1,827 |
| Loan and lease loss provision to assets | 0.7725% | 325 |
| Net operating income to assets | 0.5337% | 3,795 |
| Return on assets (ROA) | 0.5337% | 3,857 |
| Pretax return on assets | 0.6680% | 3,776 |
| Return on Equity (ROE) | 5.1394% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.1394% | 2,214 |
| Net charge-offs to loans | 0.3777% | 379 |
| Credit loss provision to net charge-offs | 295.3020% | 1,198 |
| Earnings coverage of net charge-offs (x) | 5.5067% | 2,051 |
| Efficiency ratio | 67.7350% | 2,718 |
| Assets per employee ($millions) | 4.6402% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 4,357 |
| Loan loss allowance to noncurrent loans | 27.1222% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 4.2536% | 91 |
| Noncurrent loans to loans | 3.0268% | 354 |
| Net loans and leases to total assets | 70.6220% | 2,149 |
| Net loans and leases to deposits | 82.4690% | 2,391 |
| Net loans and leases to core deposits | 100.4201% | 1,440 |
| Total domestic deposits to total assets | 85.6346% | 2,154 |
| Equity capital to assets | 10.7022% | 3,139 |
| Core capital (leverage) ratio | 10.8948% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1089% | 2,234 |
| Memoranda: | ||
| Average total assets | $455,659,500 | 1,587 |
| Average earning assets | $406,309,500 | 1,646 |
| Average equity | $47,321,000 | 1,749 |
| Average total loans | $315,554,000 | 1,573 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 418 |
| Cost of funding earning assets | 1.2419% | 921 |
| Net interest margin | 4.4352% | 832 |
| Noninterest income to average assets | 0.6563% | 1,980 |
| Noninterest expense to average assets | 3.0072% | 1,993 |
| Loan and lease loss provision to assets | 0.8934% | 112 |
| Net operating income to assets | 0.5899% | 4,192 |
| Return on assets (ROA) | 0.5906% | 4,245 |
| Pretax return on assets | 0.7197% | 4,162 |
| Return on Equity (ROE) | 5.7182% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.1262% | 2,353 |
| Net charge-offs to loans | 1.3034% | 114 |
| Credit loss provision to net charge-offs | 99.4956% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,490 |
| Efficiency ratio | 65.0995% | 2,916 |
| Assets per employee ($millions) | 4.8527% | 2,773 |
| Cash dividends to net income (ytd only)* | 10.3528% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6441% | 4,664 |
| Loan loss allowance to noncurrent loans | 22.7140% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 3.9888% | 102 |
| Noncurrent loans to loans | 2.8358% | 349 |
| Net loans and leases to total assets | 66.9493% | 2,839 |
| Net loans and leases to deposits | 77.5211% | 3,059 |
| Net loans and leases to core deposits | 92.9049% | 2,169 |
| Total domestic deposits to total assets | 86.3626% | 1,903 |
| Equity capital to assets | 10.0820% | 3,849 |
| Core capital (leverage) ratio | 10.9608% | 2,534 |
| Tier 1 risk-based capital ratio | 13.2055% | 3,682 |
| Total risk-based capital ratio | 13.7595% | 3,946 |
| Memoranda: | ||
| Average total assets | $441,576,800 | 1,594 |
| Average earning assets | $394,567,000 | 1,651 |
| Average equity | $45,608,400 | 1,737 |
| Average total loans | $304,201,200 | 1,588 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 409 |
| Cost of funding earning assets | 1.2474% | 919 |
| Net interest margin | 4.4618% | 836 |
| Noninterest income to average assets | 0.6423% | 2,023 |
| Noninterest expense to average assets | 2.9262% | 2,174 |
| Loan and lease loss provision to assets | 0.8909% | 111 |
| Net operating income to assets | 0.6817% | 4,068 |
| Return on assets (ROA) | 0.6827% | 4,125 |
| Pretax return on assets | 0.8190% | 4,077 |
| Return on Equity (ROE) | 6.5681% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5681% | 2,076 |
| Net charge-offs to loans | 0.7940% | 199 |
| Credit loss provision to net charge-offs | 161.9366% | 1,541 |
| Earnings coverage of net charge-offs (x) | 3.1057% | 3,134 |
| Efficiency ratio | 63.1349% | 3,139 |
| Assets per employee ($millions) | 4.5261% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 3,495 |
| Loan loss allowance to noncurrent loans | 31.7916% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 5.5590% | 59 |
| Noncurrent loans to loans | 3.1872% | 291 |
| Net loans and leases to total assets | 68.7850% | 2,656 |
| Net loans and leases to deposits | 82.4677% | 2,622 |
| Net loans and leases to core deposits | 107.8048% | 1,066 |
| Total domestic deposits to total assets | 83.4084% | 3,021 |
| Equity capital to assets | 10.4762% | 3,561 |
| Core capital (leverage) ratio | 10.8745% | 2,766 |
| Tier 1 risk-based capital ratio | 13.1710% | 3,752 |
| Total risk-based capital ratio | 14.0350% | 3,860 |
| Memoranda: | ||
| Average total assets | $435,506,000 | 1,618 |
| Average earning assets | $389,698,250 | 1,678 |
| Average equity | $45,268,500 | 1,747 |
| Average total loans | $301,773,500 | 1,608 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6274% | 450 |
| Cost of funding earning assets | 1.2005% | 995 |
| Net interest margin | 4.4269% | 895 |
| Noninterest income to average assets | 0.5912% | 2,189 |
| Noninterest expense to average assets | 2.8647% | 2,372 |
| Loan and lease loss provision to assets | 1.0016% | 97 |
| Net operating income to assets | 0.5897% | 4,334 |
| Return on assets (ROA) | 0.5912% | 4,369 |
| Pretax return on assets | 0.7058% | 4,316 |
| Return on Equity (ROE) | 5.7033% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.7033% | 2,417 |
| Net charge-offs to loans | 0.9371% | 153 |
| Credit loss provision to net charge-offs | 154.3960% | 1,455 |
| Earnings coverage of net charge-offs (x) | 2.6290% | 2,919 |
| Efficiency ratio | 62.6826% | 3,332 |
| Assets per employee ($millions) | 4.4882% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,061 |
| Loan loss allowance to noncurrent loans | 24.9666% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 5.7704% | 59 |
| Noncurrent loans to loans | 3.6325% | 218 |
| Net loans and leases to total assets | 69.6316% | 2,585 |
| Net loans and leases to deposits | 81.3158% | 2,807 |
| Net loans and leases to core deposits | 97.6247% | 1,915 |
| Total domestic deposits to total assets | 85.6311% | 2,210 |
| Equity capital to assets | 10.4377% | 3,577 |
| Core capital (leverage) ratio | 10.9139% | 2,676 |
| Tier 1 risk-based capital ratio | 12.7979% | 3,949 |
| Total risk-based capital ratio | 13.5589% | 4,103 |
| Memoranda: | ||
| Average total assets | $431,313,670 | 1,631 |
| Average earning assets | $387,673,000 | 1,691 |
| Average equity | $44,710,670 | 1,768 |
| Average total loans | $298,575,000 | 1,628 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 418 |
| Cost of funding earning assets | 1.1493% | 1,048 |
| Net interest margin | 4.4666% | 790 |
| Noninterest income to average assets | 0.5086% | 2,506 |
| Noninterest expense to average assets | 2.7622% | 2,697 |
| Loan and lease loss provision to assets | 1.0116% | 83 |
| Net operating income to assets | 0.6411% | 4,119 |
| Return on assets (ROA) | 0.6753% | 4,054 |
| Pretax return on assets | 0.8093% | 4,017 |
| Return on Equity (ROE) | 6.5381% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.5381% | 2,233 |
| Net charge-offs to loans | 1.6950% | 68 |
| Credit loss provision to net charge-offs | 86.8866% | 1,739 |
| Earnings coverage of net charge-offs (x) | 1.5286% | 2,584 |
| Efficiency ratio | 60.8167% | 3,700 |
| Assets per employee ($millions) | 4.7137% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,859 |
| Loan loss allowance to noncurrent loans | 13.2857% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 5.5837% | 58 |
| Noncurrent loans to loans | 4.8458% | 123 |
| Net loans and leases to total assets | 67.6041% | 2,816 |
| Net loans and leases to deposits | 78.9799% | 2,951 |
| Net loans and leases to core deposits | 94.4777% | 2,085 |
| Total domestic deposits to total assets | 85.5966% | 2,448 |
| Equity capital to assets | 10.4279% | 3,395 |
| Core capital (leverage) ratio | 10.7223% | 2,828 |
| Tier 1 risk-based capital ratio | 13.3998% | 3,667 |
| Total risk-based capital ratio | 13.9403% | 3,938 |
| Memoranda: | ||
| Average total assets | $427,047,500 | 1,651 |
| Average earning assets | $385,617,500 | 1,709 |
| Average equity | $44,111,000 | 1,779 |
| Average total loans | $293,325,000 | 1,656 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 435 |
| Cost of funding earning assets | 1.0410% | 635 |
| Net interest margin | 4.4173% | 900 |
| Noninterest income to average assets | 0.5477% | 2,561 |
| Noninterest expense to average assets | 2.9059% | 2,332 |
| Loan and lease loss provision to assets | 0.9074% | 104 |
| Net operating income to assets | 0.6154% | 4,372 |
| Return on assets (ROA) | 0.6158% | 4,382 |
| Pretax return on assets | 0.7689% | 4,247 |
| Return on Equity (ROE) | 6.0766% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.4429% | 2,507 |
| Net charge-offs to loans | 1.1429% | 120 |
| Credit loss provision to net charge-offs | 112.4042% | 2,302 |
| Earnings coverage of net charge-offs (x) | 2.0760% | 3,557 |
| Efficiency ratio | 63.4240% | 3,273 |
| Assets per employee ($millions) | 4.5229% | 3,135 |
| Cash dividends to net income (ytd only)* | 10.4287% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 4,814 |
| Loan loss allowance to noncurrent loans | 11.1554% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 5.8490% | 54 |
| Noncurrent loans to loans | 6.2096% | 67 |
| Net loans and leases to total assets | 68.8568% | 2,755 |
| Net loans and leases to deposits | 80.2021% | 2,931 |
| Net loans and leases to core deposits | 96.5374% | 2,011 |
| Total domestic deposits to total assets | 85.8541% | 2,301 |
| Equity capital to assets | 10.2298% | 3,442 |
| Core capital (leverage) ratio | 11.0166% | 2,510 |
| Tier 1 risk-based capital ratio | 13.1460% | 3,759 |
| Total risk-based capital ratio | 13.7314% | 4,015 |
| Memoranda: | ||
| Average total assets | $420,448,600 | 1,628 |
| Average earning assets | $383,969,200 | 1,656 |
| Average equity | $42,605,800 | 1,755 |
| Average total loans | $296,973,400 | 1,604 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 415 |
| Cost of funding earning assets | 1.0023% | 590 |
| Net interest margin | 4.4329% | 842 |
| Noninterest income to average assets | 0.5368% | 2,637 |
| Noninterest expense to average assets | 2.9616% | 2,137 |
| Loan and lease loss provision to assets | 0.7839% | 117 |
| Net operating income to assets | 0.6917% | 4,251 |
| Return on assets (ROA) | 0.6917% | 4,259 |
| Pretax return on assets | 0.8475% | 4,175 |
| Return on Equity (ROE) | 6.8420% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.8420% | 2,210 |
| Net charge-offs to loans | 0.3218% | 518 |
| Credit loss provision to net charge-offs | 343.3148% | 916 |
| Earnings coverage of net charge-offs (x) | 7.1448% | 2,827 |
| Efficiency ratio | 64.4811% | 3,107 |
| Assets per employee ($millions) | 4.4113% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,911 |
| Loan loss allowance to noncurrent loans | 21.8290% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 5.6589% | 63 |
| Noncurrent loans to loans | 5.2634% | 112 |
| Net loans and leases to total assets | 69.8810% | 2,670 |
| Net loans and leases to deposits | 81.7861% | 2,842 |
| Net loans and leases to core deposits | 99.3125% | 1,844 |
| Total domestic deposits to total assets | 85.4437% | 2,431 |
| Equity capital to assets | 10.3796% | 3,253 |
| Core capital (leverage) ratio | 10.9823% | 2,598 |
| Tier 1 risk-based capital ratio | 13.2510% | 3,759 |
| Total risk-based capital ratio | 14.2272% | 3,829 |
| Memoranda: | ||
| Average total assets | $419,273,500 | 1,632 |
| Average earning assets | $383,635,000 | 1,661 |
| Average equity | $42,384,250 | 1,768 |
| Average total loans | $297,520,250 | 1,612 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 378 |
| Cost of funding earning assets | 0.9546% | 572 |
| Net interest margin | 4.4554% | 760 |
| Noninterest income to average assets | 0.5394% | 2,639 |
| Noninterest expense to average assets | 2.8683% | 2,442 |
| Loan and lease loss provision to assets | 0.6131% | 165 |
| Net operating income to assets | 0.9268% | 3,336 |
| Return on assets (ROA) | 0.9268% | 3,340 |
| Pretax return on assets | 1.1464% | 3,144 |
| Return on Equity (ROE) | 9.2492% | 2,915 |
| Retained earnings to average equity (ytd only) | 9.2492% | 1,140 |
| Net charge-offs to loans | 0.3137% | 510 |
| Credit loss provision to net charge-offs | 275.0533% | 1,077 |
| Earnings coverage of net charge-offs (x) | 7.8934% | 2,517 |
| Efficiency ratio | 61.9801% | 3,627 |
| Assets per employee ($millions) | 4.6462% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,638 |
| Loan loss allowance to noncurrent loans | 14.2624% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.9969% | 88 |
| Noncurrent loans to loans | 5.7470% | 97 |
| Net loans and leases to total assets | 70.6646% | 2,482 |
| Net loans and leases to deposits | 82.5347% | 2,710 |
| Net loans and leases to core deposits | 99.4280% | 1,777 |
| Total domestic deposits to total assets | 85.6181% | 2,448 |
| Equity capital to assets | 10.2849% | 3,354 |
| Core capital (leverage) ratio | 10.9045% | 2,605 |
| Tier 1 risk-based capital ratio | 13.2042% | 3,788 |
| Total risk-based capital ratio | 13.9131% | 3,988 |
| Memoranda: | ||
| Average total assets | $420,811,670 | 1,636 |
| Average earning assets | $386,136,000 | 1,651 |
| Average equity | $42,165,670 | 1,781 |
| Average total loans | $298,981,670 | 1,609 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 384 |
| Cost of funding earning assets | 0.8949% | 609 |
| Net interest margin | 4.4384% | 704 |
| Noninterest income to average assets | 0.5050% | 2,771 |
| Noninterest expense to average assets | 2.8986% | 2,376 |
| Loan and lease loss provision to assets | 0.5685% | 181 |
| Net operating income to assets | 0.9011% | 3,285 |
| Return on assets (ROA) | 0.9011% | 3,290 |
| Pretax return on assets | 1.1172% | 3,109 |
| Return on Equity (ROE) | 9.1125% | 2,856 |
| Retained earnings to average equity (ytd only) | 9.1125% | 1,421 |
| Net charge-offs to loans | 0.3098% | 489 |
| Credit loss provision to net charge-offs | 258.6207% | 890 |
| Earnings coverage of net charge-offs (x) | 7.6681% | 2,066 |
| Efficiency ratio | 63.2286% | 3,599 |
| Assets per employee ($millions) | 4.5664% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 5,091 |
| Loan loss allowance to noncurrent loans | 12.5584% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 4.6547% | 107 |
| Noncurrent loans to loans | 5.2853% | 132 |
| Net loans and leases to total assets | 71.6353% | 2,234 |
| Net loans and leases to deposits | 83.4730% | 2,457 |
| Net loans and leases to core deposits | 100.7763% | 1,631 |
| Total domestic deposits to total assets | 85.8185% | 2,625 |
| Equity capital to assets | 10.1201% | 3,479 |
| Core capital (leverage) ratio | 10.5223% | 2,920 |
| Tier 1 risk-based capital ratio | 12.9979% | 3,946 |
| Total risk-based capital ratio | 13.5789% | 4,253 |
| Memoranda: | ||
| Average total assets | $422,139,000 | 1,648 |
| Average earning assets | $387,982,000 | 1,656 |
| Average equity | $41,745,000 | 1,805 |
| Average total loans | $299,507,000 | 1,603 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 324 |
| Cost of funding earning assets | 0.8449% | 493 |
| Net interest margin | 4.5223% | 588 |
| Noninterest income to average assets | 0.4503% | 3,310 |
| Noninterest expense to average assets | 2.7122% | 3,089 |
| Loan and lease loss provision to assets | 0.4457% | 310 |
| Net operating income to assets | 1.0186% | 2,163 |
| Return on assets (ROA) | 1.0186% | 2,196 |
| Pretax return on assets | 1.4485% | 1,820 |
| Return on Equity (ROE) | 10.4688% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.7948% | 384 |
| Net charge-offs to loans | 0.6167% | 370 |
| Credit loss provision to net charge-offs | 99.6741% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.2363% | 3,499 |
| Efficiency ratio | 58.8790% | 4,432 |
| Assets per employee ($millions) | 5.0440% | 2,428 |
| Cash dividends to net income (ytd only)* | 6.4378% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 5,338 |
| Loan loss allowance to noncurrent loans | 7.7216% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 5.7334% | 73 |
| Noncurrent loans to loans | 7.0128% | 62 |
| Net loans and leases to total assets | 69.4435% | 2,608 |
| Net loans and leases to deposits | 80.2463% | 2,889 |
| Net loans and leases to core deposits | 93.1579% | 2,268 |
| Total domestic deposits to total assets | 86.5379% | 2,210 |
| Equity capital to assets | 9.6649% | 4,073 |
| Core capital (leverage) ratio | 10.4958% | 2,844 |
| Tier 1 risk-based capital ratio | 12.6388% | 4,125 |
| Total risk-based capital ratio | 13.1093% | 4,510 |
| Memoranda: | ||
| Average total assets | $411,725,000 | 1,660 |
| Average earning assets | $378,389,400 | 1,678 |
| Average equity | $40,062,000 | 1,859 |
| Average total loans | $298,529,200 | 1,574 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 274 |
| Cost of funding earning assets | 0.8052% | 563 |
| Net interest margin | 4.6431% | 454 |
| Noninterest income to average assets | 0.4967% | 3,045 |
| Noninterest expense to average assets | 2.7571% | 2,872 |
| Loan and lease loss provision to assets | 0.4417% | 295 |
| Net operating income to assets | 1.0857% | 2,146 |
| Return on assets (ROA) | 1.0857% | 2,208 |
| Pretax return on assets | 1.5680% | 1,522 |
| Return on Equity (ROE) | 11.1382% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.1382% | 394 |
| Net charge-offs to loans | 0.6244% | 317 |
| Credit loss provision to net charge-offs | 96.6356% | 2,365 |
| Earnings coverage of net charge-offs (x) | 4.3966% | 3,235 |
| Efficiency ratio | 57.8391% | 4,527 |
| Assets per employee ($millions) | 4.6005% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 5,432 |
| Loan loss allowance to noncurrent loans | 7.5743% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 5.7165% | 76 |
| Noncurrent loans to loans | 6.9604% | 73 |
| Net loans and leases to total assets | 72.0007% | 2,254 |
| Net loans and leases to deposits | 86.8993% | 2,194 |
| Net loans and leases to core deposits | 103.6143% | 1,418 |
| Total domestic deposits to total assets | 82.8553% | 3,508 |
| Equity capital to assets | 10.0175% | 3,893 |
| Core capital (leverage) ratio | 10.5074% | 2,980 |
| Tier 1 risk-based capital ratio | 12.5579% | 4,280 |
| Total risk-based capital ratio | 13.0200% | 4,656 |
| Memoranda: | ||
| Average total assets | $407,472,000 | 1,687 |
| Average earning assets | $374,736,750 | 1,703 |
| Average equity | $39,718,250 | 1,888 |
| Average total loans | $298,323,750 | 1,586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 268 |
| Cost of funding earning assets | 0.7652% | 632 |
| Net interest margin | 4.6660% | 421 |
| Noninterest income to average assets | 0.4589% | 3,298 |
| Noninterest expense to average assets | 2.6851% | 3,144 |
| Loan and lease loss provision to assets | 0.3331% | 443 |
| Net operating income to assets | 1.1750% | 1,686 |
| Return on assets (ROA) | 1.1750% | 1,725 |
| Pretax return on assets | 1.7381% | 967 |
| Return on Equity (ROE) | 12.1691% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.1691% | 307 |
| Net charge-offs to loans | 0.3626% | 559 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 7.7722% | 2,574 |
| Efficiency ratio | 56.4536% | 4,771 |
| Assets per employee ($millions) | 4.5675% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 5,402 |
| Loan loss allowance to noncurrent loans | 13.6993% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.5276% | 225 |
| Noncurrent loans to loans | 4.2791% | 205 |
| Net loans and leases to total assets | 72.6916% | 2,095 |
| Net loans and leases to deposits | 88.9103% | 1,874 |
| Net loans and leases to core deposits | 103.5079% | 1,392 |
| Total domestic deposits to total assets | 81.7583% | 3,956 |
| Equity capital to assets | 9.8700% | 4,064 |
| Core capital (leverage) ratio | 10.3108% | 3,131 |
| Tier 1 risk-based capital ratio | 12.7595% | 4,147 |
| Total risk-based capital ratio | 13.2948% | 4,485 |
| Memoranda: | ||
| Average total assets | $405,280,670 | 1,697 |
| Average earning assets | $373,251,670 | 1,713 |
| Average equity | $39,132,000 | 1,908 |
| Average total loans | $297,866,330 | 1,586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 279 |
| Cost of funding earning assets | 0.7325% | 716 |
| Net interest margin | 4.6502% | 408 |
| Noninterest income to average assets | 0.4801% | 3,114 |
| Noninterest expense to average assets | 2.7784% | 2,871 |
| Loan and lease loss provision to assets | 0.2982% | 458 |
| Net operating income to assets | 1.1313% | 1,744 |
| Return on assets (ROA) | 1.1313% | 1,778 |
| Pretax return on assets | 1.6820% | 1,042 |
| Return on Equity (ROE) | 11.8506% | 1,288 |
| Retained earnings to average equity (ytd only) | 11.8506% | 487 |
| Net charge-offs to loans | 0.1389% | 1,104 |
| Credit loss provision to net charge-offs | 291.2621% | 804 |
| Earnings coverage of net charge-offs (x) | 19.3398% | 1,534 |
| Efficiency ratio | 58.3873% | 4,673 |
| Assets per employee ($millions) | 4.2194% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 5,466 |
| Loan loss allowance to noncurrent loans | 19.1355% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.7909% | 380 |
| Noncurrent loans to loans | 3.1702% | 406 |
| Net loans and leases to total assets | 73.7799% | 1,779 |
| Net loans and leases to deposits | 88.8825% | 1,678 |
| Net loans and leases to core deposits | 109.5883% | 895 |
| Total domestic deposits to total assets | 83.0083% | 3,835 |
| Equity capital to assets | 9.6341% | 4,147 |
| Core capital (leverage) ratio | 10.1694% | 3,287 |
| Tier 1 risk-based capital ratio | 12.5062% | 4,386 |
| Total risk-based capital ratio | 13.0659% | 4,745 |
| Memoranda: | ||
| Average total assets | $402,383,500 | 1,723 |
| Average earning assets | $370,220,500 | 1,734 |
| Average equity | $38,411,500 | 1,942 |
| Average total loans | $296,510,000 | 1,597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 287 |
| Cost of funding earning assets | 0.7185% | 749 |
| Net interest margin | 4.6874% | 432 |
| Noninterest income to average assets | 0.5091% | 3,176 |
| Noninterest expense to average assets | 2.8492% | 2,846 |
| Loan and lease loss provision to assets | 0.3024% | 623 |
| Net operating income to assets | 1.1288% | 1,781 |
| Return on assets (ROA) | 1.1293% | 1,872 |
| Pretax return on assets | 1.6331% | 1,182 |
| Return on Equity (ROE) | 11.7588% | 1,329 |
| Retained earnings to average equity (ytd only) | 11.0196% | 304 |
| Net charge-offs to loans | 0.4145% | 635 |
| Credit loss provision to net charge-offs | 99.6534% | 2,618 |
| Earnings coverage of net charge-offs (x) | 6.3761% | 3,184 |
| Efficiency ratio | 59.5581% | 4,652 |
| Assets per employee ($millions) | 4.3446% | 3,369 |
| Cash dividends to net income (ytd only)* | 6.2864% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 5,596 |
| Loan loss allowance to noncurrent loans | 17.9008% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.7255% | 416 |
| Noncurrent loans to loans | 3.1090% | 428 |
| Net loans and leases to total assets | 72.7323% | 2,057 |
| Net loans and leases to deposits | 85.3465% | 2,256 |
| Net loans and leases to core deposits | 105.1376% | 1,190 |
| Total domestic deposits to total assets | 85.2201% | 2,949 |
| Equity capital to assets | 9.4567% | 4,315 |
| Core capital (leverage) ratio | 10.1604% | 3,284 |
| Tier 1 risk-based capital ratio | 12.4668% | 4,391 |
| Total risk-based capital ratio | 12.9787% | 4,813 |
| Memoranda: | ||
| Average total assets | $380,312,800 | 1,765 |
| Average earning assets | $346,848,000 | 1,795 |
| Average equity | $36,525,800 | 2,001 |
| Average total loans | $278,427,200 | 1,624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 286 |
| Cost of funding earning assets | 0.7235% | 729 |
| Net interest margin | 4.6881% | 441 |
| Noninterest income to average assets | 0.5114% | 3,174 |
| Noninterest expense to average assets | 2.8849% | 2,685 |
| Loan and lease loss provision to assets | 0.2308% | 864 |
| Net operating income to assets | 1.1424% | 1,841 |
| Return on assets (ROA) | 1.1431% | 1,945 |
| Pretax return on assets | 1.6626% | 1,219 |
| Return on Equity (ROE) | 11.8536% | 1,372 |
| Retained earnings to average equity (ytd only) | 11.8536% | 325 |
| Net charge-offs to loans | 0.1435% | 1,551 |
| Credit loss provision to net charge-offs | 219.5946% | 1,341 |
| Earnings coverage of net charge-offs (x) | 18.0032% | 2,023 |
| Efficiency ratio | 60.3880% | 4,483 |
| Assets per employee ($millions) | 3.9089% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 5,436 |
| Loan loss allowance to noncurrent loans | 26.0294% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4592% | 561 |
| Noncurrent loans to loans | 2.6748% | 622 |
| Net loans and leases to total assets | 75.4492% | 1,625 |
| Net loans and leases to deposits | 87.7741% | 2,044 |
| Net loans and leases to core deposits | 109.8858% | 922 |
| Total domestic deposits to total assets | 85.9585% | 2,384 |
| Equity capital to assets | 10.1239% | 4,006 |
| Core capital (leverage) ratio | 10.5029% | 2,996 |
| Tier 1 risk-based capital ratio | 12.7054% | 4,337 |
| Total risk-based capital ratio | 13.3544% | 4,634 |
| Memoranda: | ||
| Average total assets | $375,465,000 | 1,783 |
| Average earning assets | $341,651,500 | 1,819 |
| Average equity | $36,207,500 | 2,025 |
| Average total loans | $274,948,750 | 1,643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 404 |
| Cost of funding earning assets | 0.7226% | 713 |
| Net interest margin | 4.5107% | 606 |
| Noninterest income to average assets | 0.4804% | 3,330 |
| Noninterest expense to average assets | 2.8674% | 2,782 |
| Loan and lease loss provision to assets | 0.2130% | 1,000 |
| Net operating income to assets | 1.0321% | 2,245 |
| Return on assets (ROA) | 1.0321% | 2,379 |
| Pretax return on assets | 1.5093% | 1,643 |
| Return on Equity (ROE) | 10.8836% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.8836% | 453 |
| Net charge-offs to loans | 0.1819% | 1,253 |
| Credit loss provision to net charge-offs | 161.9433% | 1,519 |
| Earnings coverage of net charge-offs (x) | 13.0931% | 2,144 |
| Efficiency ratio | 62.4739% | 4,270 |
| Assets per employee ($millions) | 3.8553% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 5,606 |
| Loan loss allowance to noncurrent loans | 24.0043% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.3918% | 606 |
| Noncurrent loans to loans | 2.7170% | 596 |
| Net loans and leases to total assets | 73.4258% | 1,943 |
| Net loans and leases to deposits | 82.9595% | 2,591 |
| Net loans and leases to core deposits | 103.0730% | 1,393 |
| Total domestic deposits to total assets | 88.5081% | 1,162 |
| Equity capital to assets | 9.9542% | 4,284 |
| Core capital (leverage) ratio | 10.0550% | 3,503 |
| Tier 1 risk-based capital ratio | 12.7425% | 4,355 |
| Total risk-based capital ratio | 13.3474% | 4,685 |
| Memoranda: | ||
| Average total assets | $375,536,330 | 1,784 |
| Average earning assets | $342,118,000 | 1,817 |
| Average equity | $35,613,330 | 2,053 |
| Average total loans | $271,562,000 | 1,661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 615 |
| Cost of funding earning assets | 0.7181% | 736 |
| Net interest margin | 4.2533% | 994 |
| Noninterest income to average assets | 0.5689% | 2,687 |
| Noninterest expense to average assets | 2.9472% | 2,545 |
| Loan and lease loss provision to assets | 0.1586% | 1,318 |
| Net operating income to assets | 0.9063% | 2,721 |
| Return on assets (ROA) | 0.9063% | 2,845 |
| Pretax return on assets | 1.3525% | 2,082 |
| Return on Equity (ROE) | 9.7944% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.7944% | 899 |
| Net charge-offs to loans | 0.0103% | 2,777 |
| Credit loss provision to net charge-offs | 2,142.8571% | 196 |
| Earnings coverage of net charge-offs (x) | 204.1429% | 298 |
| Efficiency ratio | 66.1053% | 3,784 |
| Assets per employee ($millions) | 3.9530% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 5,666 |
| Loan loss allowance to noncurrent loans | 22.4500% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.4250% | 630 |
| Noncurrent loans to loans | 2.9462% | 563 |
| Net loans and leases to total assets | 71.7021% | 2,087 |
| Net loans and leases to deposits | 80.6287% | 2,711 |
| Net loans and leases to core deposits | 95.9324% | 1,804 |
| Total domestic deposits to total assets | 88.9287% | 1,141 |
| Equity capital to assets | 9.5309% | 4,640 |
| Core capital (leverage) ratio | 9.6062% | 4,030 |
| Tier 1 risk-based capital ratio | 12.6528% | 4,484 |
| Total risk-based capital ratio | 13.2678% | 4,821 |
| Memoranda: | ||
| Average total assets | $378,252,500 | 1,768 |
| Average earning assets | $345,895,000 | 1,795 |
| Average equity | $34,999,500 | 2,086 |
| Average total loans | $270,575,000 | 1,666 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 217 |
| Cost of funding earning assets | 0.7385% | 674 |
| Net interest margin | 4.9032% | 297 |
| Noninterest income to average assets | 0.4917% | 3,382 |
| Noninterest expense to average assets | 2.9463% | 2,713 |
| Loan and lease loss provision to assets | 0.2302% | 865 |
| Net operating income to assets | 1.1641% | 1,688 |
| Return on assets (ROA) | 1.1641% | 1,761 |
| Pretax return on assets | 1.7493% | 895 |
| Return on Equity (ROE) | 12.7096% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.0515% | 246 |
| Net charge-offs to loans | 0.1667% | 1,697 |
| Credit loss provision to net charge-offs | 184.9776% | 1,482 |
| Earnings coverage of net charge-offs (x) | 15.9036% | 2,170 |
| Efficiency ratio | 59.8130% | 4,932 |
| Assets per employee ($millions) | 4.0949% | 3,770 |
| Cash dividends to net income (ytd only)* | 5.1786% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 5,801 |
| Loan loss allowance to noncurrent loans | 20.9586% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.3644% | 676 |
| Noncurrent loans to loans | 2.8511% | 589 |
| Net loans and leases to total assets | 70.4850% | 2,294 |
| Net loans and leases to deposits | 78.5779% | 2,988 |
| Net loans and leases to core deposits | 96.0801% | 1,841 |
| Total domestic deposits to total assets | 89.7008% | 750 |
| Equity capital to assets | 8.9847% | 5,140 |
| Core capital (leverage) ratio | 9.8165% | 3,746 |
| Tier 1 risk-based capital ratio | 13.5143% | 3,996 |
| Total risk-based capital ratio | 14.1327% | 4,290 |
| Memoranda: | ||
| Average total assets | $358,317,800 | 1,834 |
| Average earning assets | $324,030,200 | 1,871 |
| Average equity | $32,817,600 | 2,155 |
| Average total loans | $267,526,000 | 1,634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6953% | 198 |
| Cost of funding earning assets | 0.7384% | 689 |
| Net interest margin | 4.9569% | 280 |
| Noninterest income to average assets | 0.5122% | 3,283 |
| Noninterest expense to average assets | 2.9243% | 2,768 |
| Loan and lease loss provision to assets | 0.2559% | 664 |
| Net operating income to assets | 1.2383% | 1,533 |
| Return on assets (ROA) | 1.2383% | 1,589 |
| Pretax return on assets | 1.8138% | 879 |
| Return on Equity (ROE) | 13.4500% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.4500% | 242 |
| Net charge-offs to loans | -0.1352% | 5,894 |
| Credit loss provision to net charge-offs | -250.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5560% | 5,056 |
| Assets per employee ($millions) | 3.8393% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 5,498 |
| Loan loss allowance to noncurrent loans | 28.4696% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.5606% | 655 |
| Noncurrent loans to loans | 2.8380% | 651 |
| Net loans and leases to total assets | 74.7376% | 1,599 |
| Net loans and leases to deposits | 84.5309% | 2,340 |
| Net loans and leases to core deposits | 110.1635% | 866 |
| Total domestic deposits to total assets | 88.4145% | 1,328 |
| Equity capital to assets | 9.4169% | 4,864 |
| Core capital (leverage) ratio | 9.7900% | 3,912 |
| Tier 1 risk-based capital ratio | 13.3669% | 4,211 |
| Total risk-based capital ratio | 14.2071% | 4,376 |
| Memoranda: | ||
| Average total assets | $351,666,500 | 1,870 |
| Average earning assets | $317,961,000 | 1,916 |
| Average equity | $32,376,000 | 2,197 |
| Average total loans | $266,171,500 | 1,649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6873% | 200 |
| Cost of funding earning assets | 0.7275% | 731 |
| Net interest margin | 4.9598% | 266 |
| Noninterest income to average assets | 0.5164% | 3,256 |
| Noninterest expense to average assets | 2.9748% | 2,630 |
| Loan and lease loss provision to assets | 0.2582% | 657 |
| Net operating income to assets | 1.2066% | 1,580 |
| Return on assets (ROA) | 1.2066% | 1,664 |
| Pretax return on assets | 1.7700% | 941 |
| Return on Equity (ROE) | 13.2099% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.2099% | 292 |
| Net charge-offs to loans | -0.2376% | 6,070 |
| Credit loss provision to net charge-offs | -143.3121% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4610% | 5,053 |
| Assets per employee ($millions) | 3.8864% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 5,720 |
| Loan loss allowance to noncurrent loans | 24.2366% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.7643% | 642 |
| Noncurrent loans to loans | 3.0770% | 636 |
| Net loans and leases to total assets | 76.7101% | 1,270 |
| Net loans and leases to deposits | 86.7735% | 1,971 |
| Net loans and leases to core deposits | 109.3378% | 871 |
| Total domestic deposits to total assets | 88.4026% | 1,439 |
| Equity capital to assets | 9.3362% | 4,850 |
| Core capital (leverage) ratio | 9.7207% | 3,975 |
| Tier 1 risk-based capital ratio | 12.9333% | 4,555 |
| Total risk-based capital ratio | 13.7049% | 4,749 |
| Memoranda: | ||
| Average total assets | $348,591,330 | 1,905 |
| Average earning assets | $315,332,670 | 1,950 |
| Average equity | $31,839,670 | 2,229 |
| Average total loans | $264,255,670 | 1,663 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 200 |
| Cost of funding earning assets | 0.7020% | 845 |
| Net interest margin | 4.9734% | 260 |
| Noninterest income to average assets | 0.5172% | 3,170 |
| Noninterest expense to average assets | 2.8161% | 3,196 |
| Loan and lease loss provision to assets | 0.2586% | 625 |
| Net operating income to assets | 1.3563% | 1,123 |
| Return on assets (ROA) | 1.3563% | 1,189 |
| Pretax return on assets | 1.9540% | 640 |
| Return on Equity (ROE) | 15.0168% | 708 |
| Retained earnings to average equity (ytd only) | 15.0168% | 283 |
| Net charge-offs to loans | -0.1684% | 6,008 |
| Credit loss provision to net charge-offs | -204.5455% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0000% | 5,515 |
| Assets per employee ($millions) | 4.1240% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 6,059 |
| Loan loss allowance to noncurrent loans | 17.4338% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 3.3817% | 505 |
| Noncurrent loans to loans | 3.4607% | 557 |
| Net loans and leases to total assets | 77.3141% | 1,018 |
| Net loans and leases to deposits | 87.5277% | 1,669 |
| Net loans and leases to core deposits | 107.6226% | 840 |
| Total domestic deposits to total assets | 88.3311% | 1,642 |
| Equity capital to assets | 9.4807% | 4,769 |
| Core capital (leverage) ratio | 9.5833% | 4,169 |
| Tier 1 risk-based capital ratio | 12.7625% | 4,752 |
| Total risk-based capital ratio | 13.3787% | 5,065 |
| Memoranda: | ||
| Average total assets | $347,998,000 | 1,908 |
| Average earning assets | $315,682,500 | 1,955 |
| Average equity | $31,431,500 | 2,260 |
| Average total loans | $261,218,000 | 1,677 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0036% | 154 |
| Cost of funding earning assets | 0.7197% | 1,008 |
| Net interest margin | 5.2839% | 187 |
| Noninterest income to average assets | 0.5886% | 2,928 |
| Noninterest expense to average assets | 3.1721% | 2,282 |
| Loan and lease loss provision to assets | 0.2781% | 764 |
| Net operating income to assets | 1.2704% | 1,368 |
| Return on assets (ROA) | 1.2708% | 1,418 |
| Pretax return on assets | 1.8915% | 655 |
| Return on Equity (ROE) | 13.7199% | 989 |
| Retained earnings to average equity (ytd only) | 13.1703% | 215 |
| Net charge-offs to loans | 0.2203% | 1,903 |
| Credit loss provision to net charge-offs | 165.1119% | 1,479 |
| Earnings coverage of net charge-offs (x) | 12.8769% | 2,333 |
| Efficiency ratio | 59.3904% | 5,297 |
| Assets per employee ($millions) | 4.4135% | 3,167 |
| Cash dividends to net income (ytd only)* | 4.0059% | 4,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4827% | 6,272 |
| Loan loss allowance to noncurrent loans | 21.9149% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2506% | 1,078 |
| Noncurrent loans to loans | 2.2024% | 1,207 |
| Net loans and leases to total assets | 72.2084% | 1,872 |
| Net loans and leases to deposits | 80.6281% | 2,652 |
| Net loans and leases to core deposits | 97.2898% | 1,610 |
| Total domestic deposits to total assets | 89.5574% | 942 |
| Equity capital to assets | 8.8152% | 5,474 |
| Core capital (leverage) ratio | 9.5220% | 4,215 |
| Tier 1 risk-based capital ratio | 12.7391% | 4,898 |
| Total risk-based capital ratio | 13.2434% | 5,272 |
| Memoranda: | ||
| Average total assets | $318,215,000 | 2,044 |
| Average earning assets | $286,211,000 | 2,083 |
| Average equity | $29,475,400 | 2,305 |
| Average total loans | $243,297,800 | 1,732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1086% | 139 |
| Cost of funding earning assets | 0.7209% | 1,047 |
| Net interest margin | 5.3877% | 159 |
| Noninterest income to average assets | 0.5862% | 2,956 |
| Noninterest expense to average assets | 3.1427% | 2,343 |
| Loan and lease loss provision to assets | 0.3178% | 589 |
| Net operating income to assets | 1.2866% | 1,409 |
| Return on assets (ROA) | 1.2866% | 1,464 |
| Pretax return on assets | 1.9663% | 615 |
| Return on Equity (ROE) | 13.6986% | 1,049 |
| Retained earnings to average equity (ytd only) | 13.6986% | 269 |
| Net charge-offs to loans | 0.1499% | 2,290 |
| Credit loss provision to net charge-offs | 273.2342% | 981 |
| Earnings coverage of net charge-offs (x) | 19.6393% | 1,770 |
| Efficiency ratio | 57.9111% | 5,461 |
| Assets per employee ($millions) | 4.1144% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 6,278 |
| Loan loss allowance to noncurrent loans | 69.3165% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6195% | 1,871 |
| Noncurrent loans to loans | 0.8016% | 3,577 |
| Net loans and leases to total assets | 75.3840% | 1,309 |
| Net loans and leases to deposits | 85.8813% | 1,917 |
| Net loans and leases to core deposits | 105.6989% | 971 |
| Total domestic deposits to total assets | 87.7769% | 1,880 |
| Equity capital to assets | 9.4065% | 4,911 |
| Core capital (leverage) ratio | 9.5564% | 4,297 |
| Tier 1 risk-based capital ratio | 13.0252% | 4,854 |
| Total risk-based capital ratio | 13.6057% | 5,194 |
| Memoranda: | ||
| Average total assets | $308,394,500 | 2,120 |
| Average earning assets | $277,067,000 | 2,162 |
| Average equity | $28,965,750 | 2,352 |
| Average total loans | $239,273,500 | 1,770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 130 |
| Cost of funding earning assets | 0.7054% | 1,169 |
| Net interest margin | 5.4240% | 147 |
| Noninterest income to average assets | 0.6782% | 2,384 |
| Noninterest expense to average assets | 3.2525% | 2,044 |
| Loan and lease loss provision to assets | 0.3533% | 503 |
| Net operating income to assets | 1.3162% | 1,262 |
| Return on assets (ROA) | 1.3162% | 1,311 |
| Pretax return on assets | 1.9218% | 654 |
| Return on Equity (ROE) | 14.0207% | 952 |
| Retained earnings to average equity (ytd only) | 14.0207% | 264 |
| Net charge-offs to loans | 0.2052% | 1,795 |
| Credit loss provision to net charge-offs | 220.1646% | 1,083 |
| Earnings coverage of net charge-offs (x) | 14.1770% | 1,925 |
| Efficiency ratio | 58.8411% | 5,455 |
| Assets per employee ($millions) | 3.6413% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 6,435 |
| Loan loss allowance to noncurrent loans | 25.1632% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 2.3794% | 1,223 |
| Noncurrent loans to loans | 1.9120% | 1,784 |
| Net loans and leases to total assets | 78.0266% | 904 |
| Net loans and leases to deposits | 89.5585% | 1,411 |
| Net loans and leases to core deposits | 110.2038% | 689 |
| Total domestic deposits to total assets | 87.1236% | 2,386 |
| Equity capital to assets | 9.3309% | 4,948 |
| Core capital (leverage) ratio | 9.8267% | 3,849 |
| Tier 1 risk-based capital ratio | 12.4912% | 5,234 |
| Total risk-based capital ratio | 12.9932% | 5,611 |
| Memoranda: | ||
| Average total assets | $302,846,000 | 2,149 |
| Average earning assets | $270,759,330 | 2,203 |
| Average equity | $28,429,330 | 2,378 |
| Average total loans | $236,899,000 | 1,777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0823% | 130 |
| Cost of funding earning assets | 0.6896% | 1,305 |
| Net interest margin | 5.3927% | 146 |
| Noninterest income to average assets | 0.6935% | 2,206 |
| Noninterest expense to average assets | 3.3028% | 1,942 |
| Loan and lease loss provision to assets | 0.4529% | 349 |
| Net operating income to assets | 1.2127% | 1,451 |
| Return on assets (ROA) | 1.2127% | 1,510 |
| Pretax return on assets | 1.7481% | 881 |
| Return on Equity (ROE) | 12.8768% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.8768% | 495 |
| Net charge-offs to loans | -0.0606% | 5,893 |
| Credit loss provision to net charge-offs | -957.1429% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0098% | 5,408 |
| Assets per employee ($millions) | 3.5362% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5437% | 6,462 |
| Loan loss allowance to noncurrent loans | 66.8592% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 2,183 |
| Noncurrent loans to loans | 0.8131% | 3,845 |
| Net loans and leases to total assets | 78.3991% | 718 |
| Net loans and leases to deposits | 89.6747% | 1,189 |
| Net loans and leases to core deposits | 105.0979% | 790 |
| Total domestic deposits to total assets | 87.4261% | 2,547 |
| Equity capital to assets | 9.5498% | 4,429 |
| Core capital (leverage) ratio | 9.6054% | 4,125 |
| Tier 1 risk-based capital ratio | 12.6873% | 5,198 |
| Total risk-based capital ratio | 13.2513% | 5,576 |
| Memoranda: | ||
| Average total assets | $295,870,500 | 2,197 |
| Average earning assets | $263,912,500 | 2,258 |
| Average equity | $27,864,000 | 2,415 |
| Average total loans | $231,158,000 | 1,811 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1034% | 148 |
| Cost of funding earning assets | 0.6677% | 2,054 |
| Net interest margin | 5.4356% | 148 |
| Noninterest income to average assets | 0.7857% | 2,140 |
| Noninterest expense to average assets | 3.4664% | 1,737 |
| Loan and lease loss provision to assets | 0.3204% | 1,028 |
| Net operating income to assets | 1.3615% | 1,104 |
| Return on assets (ROA) | 1.3620% | 1,154 |
| Pretax return on assets | 1.8936% | 608 |
| Return on Equity (ROE) | 14.5249% | 848 |
| Retained earnings to average equity (ytd only) | 13.8849% | 205 |
| Net charge-offs to loans | 0.3980% | 1,698 |
| Credit loss provision to net charge-offs | 106.1350% | 2,269 |
| Earnings coverage of net charge-offs (x) | 7.3313% | 2,867 |
| Efficiency ratio | 61.0318% | 5,354 |
| Assets per employee ($millions) | 3.5083% | 4,888 |
| Cash dividends to net income (ytd only)* | 4.4058% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3958% | 6,643 |
| Loan loss allowance to noncurrent loans | 41.9415% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.8229% | 2,012 |
| Noncurrent loans to loans | 0.9436% | 3,631 |
| Net loans and leases to total assets | 77.1166% | 940 |
| Net loans and leases to deposits | 88.8297% | 1,374 |
| Net loans and leases to core deposits | 100.1547% | 1,145 |
| Total domestic deposits to total assets | 86.8140% | 2,824 |
| Equity capital to assets | 9.2844% | 4,706 |
| Core capital (leverage) ratio | 9.9986% | 3,582 |
| Tier 1 risk-based capital ratio | 12.4689% | 5,309 |
| Total risk-based capital ratio | 12.8747% | 5,779 |
| Memoranda: | ||
| Average total assets | $269,964,800 | 2,346 |
| Average earning assets | $243,062,400 | 2,401 |
| Average equity | $25,315,200 | 2,600 |
| Average total loans | $204,779,000 | 1,964 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 153 |
| Cost of funding earning assets | 0.6681% | 2,192 |
| Net interest margin | 5.4068% | 157 |
| Noninterest income to average assets | 0.7703% | 2,279 |
| Noninterest expense to average assets | 3.4644% | 1,687 |
| Loan and lease loss provision to assets | 0.2578% | 1,381 |
| Net operating income to assets | 1.3666% | 1,179 |
| Return on assets (ROA) | 1.3673% | 1,228 |
| Pretax return on assets | 1.9455% | 657 |
| Return on Equity (ROE) | 14.5405% | 879 |
| Retained earnings to average equity (ytd only) | 14.5405% | 227 |
| Net charge-offs to loans | 0.1374% | 3,164 |
| Credit loss provision to net charge-offs | 248.7805% | 991 |
| Earnings coverage of net charge-offs (x) | 21.2534% | 1,557 |
| Efficiency ratio | 61.1364% | 5,256 |
| Assets per employee ($millions) | 3.3565% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 6,612 |
| Loan loss allowance to noncurrent loans | 30.9378% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 2.5879% | 1,465 |
| Noncurrent loans to loans | 1.7951% | 2,503 |
| Net loans and leases to total assets | 77.2223% | 846 |
| Net loans and leases to deposits | 92.1292% | 974 |
| Net loans and leases to core deposits | 106.3920% | 739 |
| Total domestic deposits to total assets | 83.8195% | 4,272 |
| Equity capital to assets | 9.6600% | 4,346 |
| Core capital (leverage) ratio | 10.2229% | 3,368 |
| Tier 1 risk-based capital ratio | 13.2547% | 4,934 |
| Total risk-based capital ratio | 13.8245% | 5,356 |
| Memoranda: | ||
| Average total assets | $263,781,500 | 2,423 |
| Average earning assets | $238,880,250 | 2,451 |
| Average equity | $24,803,750 | 2,667 |
| Average total loans | $198,932,750 | 2,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0072% | 182 |
| Cost of funding earning assets | 0.6735% | 2,276 |
| Net interest margin | 5.3336% | 175 |
| Noninterest income to average assets | 0.6949% | 2,667 |
| Noninterest expense to average assets | 3.4050% | 1,811 |
| Loan and lease loss provision to assets | 0.2288% | 1,637 |
| Net operating income to assets | 1.3445% | 1,214 |
| Return on assets (ROA) | 1.3455% | 1,304 |
| Pretax return on assets | 1.9130% | 733 |
| Return on Equity (ROE) | 14.4440% | 921 |
| Retained earnings to average equity (ytd only) | 14.4440% | 274 |
| Net charge-offs to loans | -0.0163% | 5,898 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4030% | 5,262 |
| Assets per employee ($millions) | 3.0257% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 6,629 |
| Loan loss allowance to noncurrent loans | 36.5770% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.2074% | 1,236 |
| Noncurrent loans to loans | 1.6120% | 2,893 |
| Net loans and leases to total assets | 76.6325% | 906 |
| Net loans and leases to deposits | 88.3137% | 1,304 |
| Net loans and leases to core deposits | 103.1766% | 878 |
| Total domestic deposits to total assets | 86.7730% | 2,964 |
| Equity capital to assets | 9.7556% | 4,235 |
| Core capital (leverage) ratio | 10.1731% | 3,273 |
| Tier 1 risk-based capital ratio | 13.3234% | 4,900 |
| Total risk-based capital ratio | 13.9226% | 5,317 |
| Memoranda: | ||
| Average total assets | $262,201,670 | 2,437 |
| Average earning assets | $238,448,670 | 2,461 |
| Average equity | $24,425,330 | 2,727 |
| Average total loans | $195,738,330 | 2,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 241 |
| Cost of funding earning assets | 0.6697% | 2,482 |
| Net interest margin | 5.1112% | 230 |
| Noninterest income to average assets | 0.6059% | 3,101 |
| Noninterest expense to average assets | 3.3259% | 2,022 |
| Loan and lease loss provision to assets | 0.2267% | 1,620 |
| Net operating income to assets | 1.2068% | 1,509 |
| Return on assets (ROA) | 1.2089% | 1,617 |
| Pretax return on assets | 1.7272% | 1,010 |
| Return on Equity (ROE) | 13.2819% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.2819% | 522 |
| Net charge-offs to loans | -0.0576% | 6,194 |
| Credit loss provision to net charge-offs | -535.7143% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0298% | 5,151 |
| Assets per employee ($millions) | 3.0412% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 6,767 |
| Loan loss allowance to noncurrent loans | 24.2417% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 2.9598% | 1,520 |
| Noncurrent loans to loans | 2.1895% | 2,402 |
| Net loans and leases to total assets | 75.6348% | 889 |
| Net loans and leases to deposits | 85.3477% | 1,439 |
| Net loans and leases to core deposits | 98.9167% | 1,013 |
| Total domestic deposits to total assets | 88.6197% | 1,916 |
| Equity capital to assets | 9.5824% | 4,735 |
| Core capital (leverage) ratio | 9.5332% | 4,024 |
| Tier 1 risk-based capital ratio | 13.2491% | 5,043 |
| Total risk-based capital ratio | 13.7949% | 5,502 |
| Memoranda: | ||
| Average total assets | $264,709,500 | 2,443 |
| Average earning assets | $241,900,000 | 2,454 |
| Average equity | $24,093,000 | 2,799 |
| Average total loans | $194,479,000 | 2,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 283 |
| Cost of funding earning assets | 0.7902% | 2,745 |
| Net interest margin | 5.1652% | 288 |
| Noninterest income to average assets | 0.9230% | 1,793 |
| Noninterest expense to average assets | 3.3223% | 2,272 |
| Loan and lease loss provision to assets | 0.2242% | 2,888 |
| Net operating income to assets | 1.4658% | 979 |
| Return on assets (ROA) | 1.4658% | 1,090 |
| Pretax return on assets | 2.0714% | 521 |
| Return on Equity (ROE) | 17.1428% | 519 |
| Retained earnings to average equity (ytd only) | 16.4040% | 112 |
| Net charge-offs to loans | 0.3443% | 2,910 |
| Credit loss provision to net charge-offs | 92.0000% | 3,392 |
| Earnings coverage of net charge-offs (x) | 9.4192% | 2,267 |
| Efficiency ratio | 59.1379% | 5,679 |
| Assets per employee ($millions) | 3.2614% | 5,490 |
| Cash dividends to net income (ytd only)* | 4.3097% | 4,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4381% | 6,873 |
| Loan loss allowance to noncurrent loans | 43.6317% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 2,504 |
| Noncurrent loans to loans | 1.0041% | 4,185 |
| Net loans and leases to total assets | 70.7614% | 1,688 |
| Net loans and leases to deposits | 78.7324% | 2,435 |
| Net loans and leases to core deposits | 90.7265% | 1,751 |
| Total domestic deposits to total assets | 89.8759% | 1,026 |
| Equity capital to assets | 8.6535% | 5,905 |
| Core capital (leverage) ratio | 9.3249% | 4,370 |
| Tier 1 risk-based capital ratio | 12.5321% | 5,448 |
| Total risk-based capital ratio | 12.9733% | 5,915 |
| Memoranda: | ||
| Average total assets | $256,447,000 | 2,474 |
| Average earning assets | $233,100,400 | 2,471 |
| Average equity | $21,927,600 | 2,981 |
| Average total loans | $181,526,400 | 2,182 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9708% | 293 |
| Cost of funding earning assets | 0.8173% | 2,800 |
| Net interest margin | 5.1535% | 311 |
| Noninterest income to average assets | 0.8447% | 2,058 |
| Noninterest expense to average assets | 3.2509% | 2,423 |
| Loan and lease loss provision to assets | 0.2248% | 2,812 |
| Net operating income to assets | 1.4218% | 1,178 |
| Return on assets (ROA) | 1.4218% | 1,297 |
| Pretax return on assets | 2.0449% | 638 |
| Return on Equity (ROE) | 16.6827% | 646 |
| Retained earnings to average equity (ytd only) | 16.6827% | 162 |
| Net charge-offs to loans | 0.1182% | 4,198 |
| Credit loss provision to net charge-offs | 268.9873% | 1,013 |
| Earnings coverage of net charge-offs (x) | 27.1584% | 1,192 |
| Efficiency ratio | 58.8867% | 5,680 |
| Assets per employee ($millions) | 3.1700% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 6,854 |
| Loan loss allowance to noncurrent loans | 28.3156% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 2,595 |
| Noncurrent loans to loans | 2.1477% | 2,676 |
| Net loans and leases to total assets | 74.4708% | 1,175 |
| Net loans and leases to deposits | 87.2456% | 1,450 |
| Net loans and leases to core deposits | 107.5225% | 669 |
| Total domestic deposits to total assets | 85.3577% | 3,587 |
| Equity capital to assets | 8.8652% | 5,961 |
| Core capital (leverage) ratio | 9.4541% | 4,346 |
| Tier 1 risk-based capital ratio | 12.3625% | 5,726 |
| Total risk-based capital ratio | 12.9827% | 6,075 |
| Memoranda: | ||
| Average total assets | $252,068,750 | 2,536 |
| Average earning assets | $228,707,250 | 2,539 |
| Average equity | $21,482,750 | 3,064 |
| Average total loans | $178,230,250 | 2,253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8587% | 371 |
| Cost of funding earning assets | 0.8482% | 2,809 |
| Net interest margin | 5.0105% | 395 |
| Noninterest income to average assets | 0.8575% | 1,944 |
| Noninterest expense to average assets | 3.2311% | 2,492 |
| Loan and lease loss provision to assets | 0.2116% | 2,960 |
| Net operating income to assets | 1.3621% | 1,277 |
| Return on assets (ROA) | 1.3621% | 1,436 |
| Pretax return on assets | 1.9425% | 781 |
| Return on Equity (ROE) | 16.2044% | 738 |
| Retained earnings to average equity (ytd only) | 16.2044% | 212 |
| Net charge-offs to loans | 0.0519% | 4,681 |
| Credit loss provision to net charge-offs | 588.8889% | 533 |
| Earnings coverage of net charge-offs (x) | 59.9556% | 637 |
| Efficiency ratio | 60.0000% | 5,574 |
| Assets per employee ($millions) | 2.9542% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6199% | 6,910 |
| Loan loss allowance to noncurrent loans | 32.1592% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 1.9472% | 2,848 |
| Noncurrent loans to loans | 1.9275% | 3,030 |
| Net loans and leases to total assets | 74.3231% | 1,203 |
| Net loans and leases to deposits | 83.2144% | 1,956 |
| Net loans and leases to core deposits | 103.6124% | 885 |
| Total domestic deposits to total assets | 89.3152% | 1,322 |
| Equity capital to assets | 8.9630% | 5,740 |
| Core capital (leverage) ratio | 9.0561% | 4,828 |
| Tier 1 risk-based capital ratio | 12.6927% | 5,420 |
| Total risk-based capital ratio | 13.3308% | 5,856 |
| Memoranda: | ||
| Average total assets | $250,502,000 | 2,548 |
| Average earning assets | $226,363,330 | 2,571 |
| Average equity | $21,056,000 | 3,103 |
| Average total loans | $173,511,000 | 2,315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7515% | 467 |
| Cost of funding earning assets | 0.8586% | 3,003 |
| Net interest margin | 4.8928% | 474 |
| Noninterest income to average assets | 1.2441% | 916 |
| Noninterest expense to average assets | 3.3460% | 2,155 |
| Loan and lease loss provision to assets | 0.1492% | 3,496 |
| Net operating income to assets | 1.4971% | 1,025 |
| Return on assets (ROA) | 1.4971% | 1,147 |
| Pretax return on assets | 2.1443% | 592 |
| Return on Equity (ROE) | 18.3906% | 508 |
| Retained earnings to average equity (ytd only) | 18.3906% | 234 |
| Net charge-offs to loans | 0.0731% | 3,767 |
| Credit loss provision to net charge-offs | 306.4516% | 962 |
| Earnings coverage of net charge-offs (x) | 47.0968% | 664 |
| Efficiency ratio | 59.3315% | 5,717 |
| Assets per employee ($millions) | 3.0742% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 7,016 |
| Loan loss allowance to noncurrent loans | 40.2246% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 3,662 |
| Noncurrent loans to loans | 1.4049% | 4,005 |
| Net loans and leases to total assets | 69.1844% | 1,915 |
| Net loans and leases to deposits | 76.8534% | 2,692 |
| Net loans and leases to core deposits | 90.0773% | 1,848 |
| Total domestic deposits to total assets | 90.0213% | 1,073 |
| Equity capital to assets | 8.4775% | 6,103 |
| Core capital (leverage) ratio | 8.6814% | 5,331 |
| Tier 1 risk-based capital ratio | 12.6673% | 5,473 |
| Total risk-based capital ratio | 13.2348% | 5,964 |
| Memoranda: | ||
| Average total assets | $254,632,500 | 2,522 |
| Average earning assets | $228,742,000 | 2,554 |
| Average equity | $20,728,000 | 3,140 |
| Average total loans | $169,684,500 | 2,368 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 352 |
| Cost of funding earning assets | 0.9690% | 3,584 |
| Net interest margin | 5.1560% | 308 |
| Noninterest income to average assets | 0.7568% | 2,302 |
| Noninterest expense to average assets | 3.4247% | 2,181 |
| Loan and lease loss provision to assets | 0.2634% | 3,584 |
| Net operating income to assets | 1.2667% | 1,331 |
| Return on assets (ROA) | 1.2667% | 1,434 |
| Pretax return on assets | 1.7348% | 918 |
| Return on Equity (ROE) | 15.3423% | 694 |
| Retained earnings to average equity (ytd only) | 14.7727% | 145 |
| Net charge-offs to loans | 0.4404% | 3,233 |
| Credit loss provision to net charge-offs | 89.2330% | 4,043 |
| Earnings coverage of net charge-offs (x) | 6.7684% | 2,452 |
| Efficiency ratio | 63.1524% | 5,269 |
| Assets per employee ($millions) | 3.2916% | 5,526 |
| Cash dividends to net income (ytd only)* | 3.7126% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5367% | 7,072 |
| Loan loss allowance to noncurrent loans | 46.0949% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 4,069 |
| Noncurrent loans to loans | 1.1643% | 4,422 |
| Net loans and leases to total assets | 63.5516% | 3,279 |
| Net loans and leases to deposits | 69.9499% | 4,108 |
| Net loans and leases to core deposits | 80.6410% | 3,369 |
| Total domestic deposits to total assets | 90.8530% | 562 |
| Equity capital to assets | 7.8255% | 6,673 |
| Core capital (leverage) ratio | 8.9295% | 4,893 |
| Tier 1 risk-based capital ratio | 11.9151% | 5,886 |
| Total risk-based capital ratio | 12.4355% | 6,334 |
| Memoranda: | ||
| Average total assets | $229,658,000 | 2,725 |
| Average earning assets | $207,837,200 | 2,755 |
| Average equity | $18,960,600 | 3,286 |
| Average total loans | $153,947,400 | 2,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2172% | 313 |
| Cost of funding earning assets | 1.0257% | 3,499 |
| Net interest margin | 5.1915% | 291 |
| Noninterest income to average assets | 0.7822% | 2,131 |
| Noninterest expense to average assets | 3.3905% | 2,211 |
| Loan and lease loss provision to assets | 0.3043% | 3,097 |
| Net operating income to assets | 1.2879% | 1,410 |
| Return on assets (ROA) | 1.2879% | 1,509 |
| Pretax return on assets | 1.8031% | 949 |
| Return on Equity (ROE) | 15.3607% | 772 |
| Retained earnings to average equity (ytd only) | 15.3607% | 206 |
| Net charge-offs to loans | 0.4043% | 3,105 |
| Credit loss provision to net charge-offs | 110.7456% | 2,975 |
| Earnings coverage of net charge-offs (x) | 7.6689% | 2,317 |
| Efficiency ratio | 61.6683% | 5,463 |
| Assets per employee ($millions) | 2.7927% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 7,045 |
| Loan loss allowance to noncurrent loans | 53.5248% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 4,061 |
| Noncurrent loans to loans | 1.1848% | 4,562 |
| Net loans and leases to total assets | 71.8842% | 1,734 |
| Net loans and leases to deposits | 82.1469% | 2,331 |
| Net loans and leases to core deposits | 98.9453% | 1,342 |
| Total domestic deposits to total assets | 87.5069% | 2,347 |
| Equity capital to assets | 8.9563% | 5,800 |
| Core capital (leverage) ratio | 9.1023% | 4,786 |
| Tier 1 risk-based capital ratio | 12.3906% | 5,588 |
| Total risk-based capital ratio | 13.0252% | 6,046 |
| Memoranda: | ||
| Average total assets | $221,239,750 | 2,829 |
| Average earning assets | $200,965,250 | 2,846 |
| Average equity | $18,549,000 | 3,346 |
| Average total loans | $150,370,750 | 2,652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1350% | 366 |
| Cost of funding earning assets | 1.0772% | 3,410 |
| Net interest margin | 5.0577% | 361 |
| Noninterest income to average assets | 0.7918% | 2,063 |
| Noninterest expense to average assets | 3.4429% | 2,141 |
| Loan and lease loss provision to assets | 0.3673% | 2,594 |
| Net operating income to assets | 1.1401% | 1,756 |
| Return on assets (ROA) | 1.1401% | 1,827 |
| Pretax return on assets | 1.5763% | 1,307 |
| Return on Equity (ROE) | 13.9187% | 996 |
| Retained earnings to average equity (ytd only) | 13.9187% | 321 |
| Net charge-offs to loans | 0.6616% | 2,189 |
| Credit loss provision to net charge-offs | 83.5052% | 3,666 |
| Earnings coverage of net charge-offs (x) | 4.4186% | 2,861 |
| Efficiency ratio | 63.9165% | 5,256 |
| Assets per employee ($millions) | 2.7694% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 7,136 |
| Loan loss allowance to noncurrent loans | 44.5107% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 4,208 |
| Noncurrent loans to loans | 1.3523% | 4,392 |
| Net loans and leases to total assets | 68.4972% | 2,517 |
| Net loans and leases to deposits | 76.0519% | 3,459 |
| Net loans and leases to core deposits | 91.0885% | 2,240 |
| Total domestic deposits to total assets | 90.0665% | 941 |
| Equity capital to assets | 8.7799% | 5,841 |
| Core capital (leverage) ratio | 8.8541% | 4,959 |
| Tier 1 risk-based capital ratio | 12.6964% | 5,181 |
| Total risk-based capital ratio | 13.2910% | 5,719 |
| Memoranda: | ||
| Average total assets | $220,513,330 | 2,857 |
| Average earning assets | $200,326,330 | 2,870 |
| Average equity | $18,062,000 | 3,408 |
| Average total loans | $146,618,330 | 2,738 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8700% | 643 |
| Cost of funding earning assets | 1.1034% | 3,494 |
| Net interest margin | 4.7666% | 613 |
| Noninterest income to average assets | 0.8709% | 1,766 |
| Noninterest expense to average assets | 3.3938% | 2,300 |
| Loan and lease loss provision to assets | 0.5387% | 1,608 |
| Net operating income to assets | 0.9265% | 2,455 |
| Return on assets (ROA) | 0.9265% | 2,515 |
| Pretax return on assets | 1.2516% | 2,193 |
| Return on Equity (ROE) | 11.7206% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.7206% | 774 |
| Net charge-offs to loans | 1.0172% | 1,342 |
| Credit loss provision to net charge-offs | 81.0811% | 3,139 |
| Earnings coverage of net charge-offs (x) | 2.6946% | 2,999 |
| Efficiency ratio | 65.4659% | 5,129 |
| Assets per employee ($millions) | 2.8497% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 7,177 |
| Loan loss allowance to noncurrent loans | 57.0170% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 4,613 |
| Noncurrent loans to loans | 1.0937% | 4,872 |
| Net loans and leases to total assets | 67.5528% | 2,646 |
| Net loans and leases to deposits | 74.6155% | 3,665 |
| Net loans and leases to core deposits | 88.0783% | 2,590 |
| Total domestic deposits to total assets | 90.5346% | 824 |
| Equity capital to assets | 8.3771% | 6,077 |
| Core capital (leverage) ratio | 8.5204% | 5,414 |
| Tier 1 risk-based capital ratio | 11.7947% | 5,857 |
| Total risk-based capital ratio | 12.3758% | 6,390 |
| Memoranda: | ||
| Average total assets | $222,762,000 | 2,851 |
| Average earning assets | $201,567,500 | 2,871 |
| Average equity | $17,610,000 | 3,472 |
| Average total loans | $145,497,000 | 2,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4258% | 361 |
| Cost of funding earning assets | 1.1926% | 4,608 |
| Net interest margin | 5.2332% | 271 |
| Noninterest income to average assets | 0.8999% | 1,849 |
| Noninterest expense to average assets | 3.5578% | 2,038 |
| Loan and lease loss provision to assets | 0.2140% | 5,113 |
| Net operating income to assets | 1.3506% | 1,048 |
| Return on assets (ROA) | 1.3506% | 1,127 |
| Pretax return on assets | 1.8564% | 673 |
| Return on Equity (ROE) | 16.9748% | 480 |
| Retained earnings to average equity (ytd only) | 16.2946% | 94 |
| Net charge-offs to loans | 0.3661% | 4,196 |
| Credit loss provision to net charge-offs | 85.4617% | 5,320 |
| Earnings coverage of net charge-offs (x) | 8.2672% | 1,991 |
| Efficiency ratio | 63.2136% | 5,480 |
| Assets per employee ($millions) | 2.9718% | 6,163 |
| Cash dividends to net income (ytd only)* | 4.0073% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 7,176 |
| Loan loss allowance to noncurrent loans | 54.6779% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 4,974 |
| Noncurrent loans to loans | 1.2250% | 4,681 |
| Net loans and leases to total assets | 62.4397% | 4,190 |
| Net loans and leases to deposits | 68.4642% | 5,043 |
| Net loans and leases to core deposits | 79.6366% | 4,258 |
| Total domestic deposits to total assets | 91.2005% | 505 |
| Equity capital to assets | 7.4703% | 6,895 |
| Core capital (leverage) ratio | 8.6535% | 5,096 |
| Tier 1 risk-based capital ratio | 10.9663% | 6,350 |
| Total risk-based capital ratio | 11.5651% | 6,793 |
| Memoranda: | ||
| Average total assets | $203,244,000 | 3,064 |
| Average earning assets | $183,636,000 | 3,083 |
| Average equity | $16,171,000 | 3,727 |
| Average total loans | $139,033,800 | 2,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5960% | 287 |
| Cost of funding earning assets | 1.2220% | 4,729 |
| Net interest margin | 5.3740% | 214 |
| Noninterest income to average assets | 0.9518% | 1,614 |
| Noninterest expense to average assets | 3.4443% | 2,172 |
| Loan and lease loss provision to assets | 0.0918% | 6,119 |
| Net operating income to assets | 1.6107% | 736 |
| Return on assets (ROA) | 1.6107% | 804 |
| Pretax return on assets | 2.2803% | 354 |
| Return on Equity (ROE) | 19.8844% | 312 |
| Retained earnings to average equity (ytd only) | 19.8844% | 86 |
| Net charge-offs to loans | 0.2242% | 4,593 |
| Credit loss provision to net charge-offs | 58.4416% | 5,738 |
| Earnings coverage of net charge-offs (x) | 15.1040% | 1,461 |
| Efficiency ratio | 59.2168% | 6,077 |
| Assets per employee ($millions) | 2.8019% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 7,277 |
| Loan loss allowance to noncurrent loans | 75.4150% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 5,309 |
| Noncurrent loans to loans | 0.8677% | 5,487 |
| Net loans and leases to total assets | 72.8064% | 2,053 |
| Net loans and leases to deposits | 82.6732% | 2,974 |
| Net loans and leases to core deposits | 98.6789% | 1,970 |
| Total domestic deposits to total assets | 88.0653% | 1,924 |
| Equity capital to assets | 8.7597% | 5,917 |
| Core capital (leverage) ratio | 8.7564% | 5,094 |
| Tier 1 risk-based capital ratio | 11.3788% | 6,035 |
| Total risk-based capital ratio | 11.9952% | 6,579 |
| Memoranda: | ||
| Average total assets | $196,105,500 | 3,191 |
| Average earning assets | $177,517,000 | 3,192 |
| Average equity | $15,884,750 | 3,832 |
| Average total loans | $137,364,750 | 3,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4820% | 350 |
| Cost of funding earning assets | 1.2194% | 5,023 |
| Net interest margin | 5.2626% | 259 |
| Noninterest income to average assets | 0.9992% | 1,381 |
| Noninterest expense to average assets | 3.3992% | 2,265 |
| Loan and lease loss provision to assets | 0.1076% | 5,837 |
| Net operating income to assets | 1.5566% | 804 |
| Return on assets (ROA) | 1.5566% | 860 |
| Pretax return on assets | 2.2556% | 369 |
| Return on Equity (ROE) | 19.7645% | 335 |
| Retained earnings to average equity (ytd only) | 19.7645% | 93 |
| Net charge-offs to loans | 0.1769% | 4,552 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | 19.3782% | 1,256 |
| Efficiency ratio | 58.9899% | 6,223 |
| Assets per employee ($millions) | 2.6399% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 7,180 |
| Loan loss allowance to noncurrent loans | 81.5106% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 5,476 |
| Noncurrent loans to loans | 0.8994% | 5,476 |
| Net loans and leases to total assets | 70.8543% | 2,701 |
| Net loans and leases to deposits | 79.0613% | 3,786 |
| Net loans and leases to core deposits | 96.4882% | 2,392 |
| Total domestic deposits to total assets | 89.6194% | 1,117 |
| Equity capital to assets | 8.2300% | 6,505 |
| Core capital (leverage) ratio | 8.6630% | 5,141 |
| Tier 1 risk-based capital ratio | 11.0884% | 6,144 |
| Total risk-based capital ratio | 11.7739% | 6,658 |
| Memoranda: | ||
| Average total assets | $195,163,000 | 3,235 |
| Average earning assets | $176,642,000 | 3,236 |
| Average equity | $15,371,000 | 3,917 |
| Average total loans | $134,556,330 | 3,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 504 |
| Cost of funding earning assets | 1.2055% | 5,373 |
| Net interest margin | 5.1194% | 332 |
| Noninterest income to average assets | 1.0674% | 1,115 |
| Noninterest expense to average assets | 3.2496% | 2,702 |
| Loan and lease loss provision to assets | 0.1548% | 4,986 |
| Net operating income to assets | 1.5918% | 767 |
| Return on assets (ROA) | 1.5918% | 818 |
| Pretax return on assets | 2.2834% | 356 |
| Return on Equity (ROE) | 20.6855% | 341 |
| Retained earnings to average equity (ytd only) | 20.6855% | 178 |
| Net charge-offs to loans | 0.0366% | 5,069 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 98.4167% | 326 |
| Efficiency ratio | 57.1325% | 6,615 |
| Assets per employee ($millions) | 2.6179% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 7,056 |
| Loan loss allowance to noncurrent loans | 80.3610% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 5,182 |
| Noncurrent loans to loans | 1.0311% | 5,276 |
| Net loans and leases to total assets | 67.8481% | 3,426 |
| Net loans and leases to deposits | 76.9786% | 4,226 |
| Net loans and leases to core deposits | 92.6764% | 3,017 |
| Total domestic deposits to total assets | 88.1389% | 1,983 |
| Equity capital to assets | 7.8766% | 6,784 |
| Core capital (leverage) ratio | 8.2763% | 5,785 |
| Tier 1 risk-based capital ratio | 10.8587% | 6,284 |
| Total risk-based capital ratio | 11.6136% | 6,748 |
| Memoranda: | ||
| Average total assets | $193,747,000 | 3,307 |
| Average earning assets | $174,864,000 | 3,323 |
| Average equity | $14,909,000 | 4,037 |
| Average total loans | $131,172,500 | 3,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5212% | 644 |
| Cost of funding earning assets | 1.5666% | 5,195 |
| Net interest margin | 4.9546% | 493 |
| Noninterest income to average assets | 1.0183% | 1,511 |
| Noninterest expense to average assets | 3.4920% | 2,395 |
| Loan and lease loss provision to assets | 0.0268% | 7,245 |
| Net operating income to assets | 1.4131% | 828 |
| Return on assets (ROA) | 1.4131% | 882 |
| Pretax return on assets | 1.9800% | 421 |
| Return on Equity (ROE) | 17.8900% | 376 |
| Retained earnings to average equity (ytd only) | 17.0607% | 62 |
| Net charge-offs to loans | 0.0882% | 6,237 |
| Credit loss provision to net charge-offs | 47.3684% | 6,774 |
| Earnings coverage of net charge-offs (x) | 35.4737% | 663 |
| Efficiency ratio | 63.5044% | 5,866 |
| Assets per employee ($millions) | 2.5487% | 7,124 |
| Cash dividends to net income (ytd only)* | 4.6355% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 7,071 |
| Loan loss allowance to noncurrent loans | 64.4567% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 5,002 |
| Noncurrent loans to loans | 1.2725% | 4,801 |
| Net loans and leases to total assets | 66.4224% | 4,051 |
| Net loans and leases to deposits | 75.3118% | 4,839 |
| Net loans and leases to core deposits | 119.1347% | 2,016 |
| Total domestic deposits to total assets | 88.1964% | 1,886 |
| Equity capital to assets | 7.5086% | 7,031 |
| Core capital (leverage) ratio | 8.8099% | 4,756 |
| Tier 1 risk-based capital ratio | 10.6706% | 6,234 |
| Total risk-based capital ratio | 11.4078% | 6,699 |
| Memoranda: | ||
| Average total assets | $167,929,000 | 3,642 |
| Average earning assets | $151,859,200 | 3,679 |
| Average equity | $13,264,400 | 4,444 |
| Average total loans | $107,677,200 | 3,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5602% | 661 |
| Cost of funding earning assets | 1.6945% | 4,926 |
| Net interest margin | 4.8657% | 599 |
| Noninterest income to average assets | 1.0773% | 1,368 |
| Noninterest expense to average assets | 3.3644% | 2,675 |
| Loan and lease loss provision to assets | 0.0370% | 6,990 |
| Net operating income to assets | 1.4779% | 858 |
| Return on assets (ROA) | 1.4779% | 920 |
| Pretax return on assets | 2.0848% | 457 |
| Return on Equity (ROE) | 18.4413% | 415 |
| Retained earnings to average equity (ytd only) | 18.4413% | 84 |
| Net charge-offs to loans | -0.0195% | 7,761 |
| Credit loss provision to net charge-offs | -300.0000% | 7,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3251% | 6,225 |
| Assets per employee ($millions) | 2.7026% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,228 |
| Loan loss allowance to noncurrent loans | 77.6439% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 4,776 |
| Noncurrent loans to loans | 1.3006% | 4,766 |
| Net loans and leases to total assets | 70.1224% | 3,483 |
| Net loans and leases to deposits | 79.8342% | 4,415 |
| Net loans and leases to core deposits | 134.8598% | 1,160 |
| Total domestic deposits to total assets | 87.8351% | 1,732 |
| Equity capital to assets | 8.6522% | 6,030 |
| Core capital (leverage) ratio | 9.1953% | 4,346 |
| Tier 1 risk-based capital ratio | 12.0703% | 4,906 |
| Total risk-based capital ratio | 13.0206% | 5,122 |
| Memoranda: | ||
| Average total assets | $162,122,750 | 3,757 |
| Average earning assets | $146,902,250 | 3,777 |
| Average equity | $12,992,250 | 4,538 |
| Average total loans | $102,591,750 | 3,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3886% | 1,031 |
| Cost of funding earning assets | 1.8027% | 4,744 |
| Net interest margin | 4.5859% | 988 |
| Noninterest income to average assets | 1.0548% | 1,422 |
| Noninterest expense to average assets | 3.1916% | 3,364 |
| Loan and lease loss provision to assets | 0.0555% | 6,667 |
| Net operating income to assets | 1.3805% | 1,068 |
| Return on assets (ROA) | 1.3805% | 1,137 |
| Pretax return on assets | 1.9505% | 633 |
| Return on Equity (ROE) | 17.6968% | 515 |
| Retained earnings to average equity (ytd only) | 17.6968% | 113 |
| Net charge-offs to loans | -0.0162% | 7,666 |
| Credit loss provision to net charge-offs | -562.5000% | 7,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4052% | 6,326 |
| Assets per employee ($millions) | 2.6401% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,593 |
| Loan loss allowance to noncurrent loans | 112.4878% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 5,121 |
| Noncurrent loans to loans | 0.9783% | 5,258 |
| Net loans and leases to total assets | 65.4154% | 4,679 |
| Net loans and leases to deposits | 73.2312% | 5,576 |
| Net loans and leases to core deposits | 124.1925% | 2,008 |
| Total domestic deposits to total assets | 89.3272% | 1,110 |
| Equity capital to assets | 8.2315% | 6,438 |
| Core capital (leverage) ratio | 8.1681% | 6,037 |
| Tier 1 risk-based capital ratio | 11.4965% | 5,382 |
| Total risk-based capital ratio | 12.4964% | 5,558 |
| Memoranda: | ||
| Average total assets | $162,112,000 | 3,779 |
| Average earning assets | $146,449,330 | 3,808 |
| Average equity | $12,646,330 | 4,648 |
| Average total loans | $98,500,000 | 4,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 1,727 |
| Cost of funding earning assets | 1.8813% | 4,735 |
| Net interest margin | 4.2782% | 1,653 |
| Noninterest income to average assets | 1.1027% | 1,225 |
| Noninterest expense to average assets | 2.9640% | 3,920 |
| Loan and lease loss provision to assets | 0.1098% | 5,563 |
| Net operating income to assets | 1.3393% | 1,287 |
| Return on assets (ROA) | 1.3393% | 1,385 |
| Pretax return on assets | 1.8955% | 805 |
| Return on Equity (ROE) | 17.6386% | 621 |
| Retained earnings to average equity (ytd only) | 17.6386% | 242 |
| Net charge-offs to loans | -0.0881% | 7,842 |
| Credit loss provision to net charge-offs | -214.2857% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6465% | 6,449 |
| Assets per employee ($millions) | 2.9694% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 4,755 |
| Loan loss allowance to noncurrent loans | 121.9895% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 5,504 |
| Noncurrent loans to loans | 0.9900% | 5,017 |
| Net loans and leases to total assets | 59.4337% | 5,752 |
| Net loans and leases to deposits | 66.0084% | 6,374 |
| Net loans and leases to core deposits | 106.5806% | 3,837 |
| Total domestic deposits to total assets | 90.0396% | 784 |
| Equity capital to assets | 7.7402% | 7,139 |
| Core capital (leverage) ratio | 7.9004% | 6,618 |
| Tier 1 risk-based capital ratio | 11.4010% | 5,510 |
| Total risk-based capital ratio | 12.4481% | 5,622 |
| Memoranda: | ||
| Average total assets | $163,966,500 | 3,762 |
| Average earning assets | $148,192,500 | 3,790 |
| Average equity | $12,450,000 | 4,718 |
| Average total loans | $95,363,500 | 4,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3567% | 537 |
| Cost of funding earning assets | 2.2731% | 5,273 |
| Net interest margin | 5.0836% | 421 |
| Noninterest income to average assets | 1.0635% | 1,392 |
| Noninterest expense to average assets | 3.3914% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6211% | 808 |
| Return on assets (ROA) | 1.6211% | 766 |
| Pretax return on assets | 2.1865% | 410 |
| Return on Equity (ROE) | 19.6373% | 403 |
| Retained earnings to average equity (ytd only) | 18.6811% | 45 |
| Net charge-offs to loans | 0.1897% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.9235% | 1,735 |
| Efficiency ratio | 60.8002% | 6,201 |
| Assets per employee ($millions) | 3.1620% | 5,587 |
| Cash dividends to net income (ytd only)* | 4.8694% | 4,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 4,802 |
| Loan loss allowance to noncurrent loans | 100.1821% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 4,108 |
| Noncurrent loans to loans | 1.1648% | 4,197 |
| Net loans and leases to total assets | 55.5905% | 6,476 |
| Net loans and leases to deposits | 62.2494% | 6,926 |
| Net loans and leases to core deposits | 91.6661% | 5,669 |
| Total domestic deposits to total assets | 89.3029% | 921 |
| Equity capital to assets | 7.4522% | 7,423 |
| Core capital (leverage) ratio | 8.6744% | 5,245 |
| Tier 1 risk-based capital ratio | 11.4529% | 5,284 |
| Total risk-based capital ratio | 12.4455% | 5,427 |
| Memoranda: | ||
| Average total assets | $139,353,600 | 4,091 |
| Average earning assets | $123,751,800 | 4,179 |
| Average equity | $11,503,600 | 4,968 |
| Average total loans | $89,638,000 | 4,239 |