Home > Helm Bank USA > Performance and Condition Ratios
Helm Bank USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 3,159 |
| Cost of funding earning assets | 0.4226% | 4,271 |
| Net interest margin | 4.0409% | 1,144 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.9211% | 1,231 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1325% | 1,823 |
| Return on assets (ROA) | 1.0541% | 2,021 |
| Pretax return on assets | 1.3343% | 1,782 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 15.5927% | 288 |
| Net charge-offs to loans | 0.0114% | 2,219 |
| Credit loss provision to net charge-offs | 1,521.0526% | 288 |
| Earnings coverage of net charge-offs (x) | 284.8596% | 450 |
| Efficiency ratio | 65.8564% | 2,373 |
| Assets per employee ($millions) | 8.4567% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 627 |
| Loan loss allowance to noncurrent loans | 134.1701% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 820 |
| Noncurrent loans to loans | 1.2839% | 550 |
| Net loans and leases to total assets | 49.9100% | 3,598 |
| Net loans and leases to deposits | 54.8205% | 3,755 |
| Net loans and leases to core deposits | 63.5804% | 3,605 |
| Total domestic deposits to total assets | 91.0400% | 494 |
| Equity capital to assets | 7.9910% | 3,425 |
| Core capital (leverage) ratio | 10.7879% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8136% | 258 |
| Memoranda: | ||
| Average total assets | $1,072,140,400 | 923 |
| Average earning assets | $1,030,222,000 | 889 |
| Average equity | $72,476,200 | 1,215 |
| Average total loans | $501,711,800 | 1,231 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 3,088 |
| Cost of funding earning assets | 0.3746% | 4,282 |
| Net interest margin | 4.0313% | 1,176 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.8080% | 1,420 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2228% | 1,729 |
| Return on assets (ROA) | 1.1148% | 1,991 |
| Pretax return on assets | 1.4173% | 1,741 |
| Return on Equity (ROE) | 17.2600% | 1,037 |
| Retained earnings to average equity (ytd only) | 17.2637% | 375 |
| Net charge-offs to loans | 0.0135% | 1,909 |
| Credit loss provision to net charge-offs | 544.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 256.2400% | 506 |
| Efficiency ratio | 63.8804% | 2,502 |
| Assets per employee ($millions) | 8.3988% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 721 |
| Loan loss allowance to noncurrent loans | 132.1985% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 905 |
| Noncurrent loans to loans | 1.2763% | 599 |
| Net loans and leases to total assets | 49.2400% | 3,671 |
| Net loans and leases to deposits | 52.7545% | 3,851 |
| Net loans and leases to core deposits | 60.2749% | 3,694 |
| Total domestic deposits to total assets | 93.3400% | 258 |
| Equity capital to assets | 6.0781% | 3,961 |
| Core capital (leverage) ratio | 10.6118% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0243% | 253 |
| Memoranda: | ||
| Average total assets | $1,075,903,250 | 925 |
| Average earning assets | $1,033,346,750 | 894 |
| Average equity | $69,477,250 | 1,251 |
| Average total loans | $492,934,500 | 1,240 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 3,089 |
| Cost of funding earning assets | 0.3428% | 4,252 |
| Net interest margin | 3.9642% | 1,304 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.6705% | 1,717 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2864% | 1,602 |
| Return on assets (ROA) | 1.1308% | 2,031 |
| Pretax return on assets | 1.4405% | 1,718 |
| Return on Equity (ROE) | 17.2000% | 1,063 |
| Retained earnings to average equity (ytd only) | 17.1962% | 384 |
| Net charge-offs to loans | 0.0325% | 1,244 |
| Credit loss provision to net charge-offs | 89.8734% | 1,504 |
| Earnings coverage of net charge-offs (x) | 114.1646% | 869 |
| Efficiency ratio | 61.8049% | 2,735 |
| Assets per employee ($millions) | 8.6187% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 761 |
| Loan loss allowance to noncurrent loans | 139.3058% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 958 |
| Noncurrent loans to loans | 1.2171% | 580 |
| Net loans and leases to total assets | 45.7200% | 3,807 |
| Net loans and leases to deposits | 49.4362% | 3,943 |
| Net loans and leases to core deposits | 56.5575% | 3,790 |
| Total domestic deposits to total assets | 92.4900% | 326 |
| Equity capital to assets | 6.9434% | 3,826 |
| Core capital (leverage) ratio | 10.0736% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4173% | 230 |
| Memoranda: | ||
| Average total assets | $1,092,986,333 | 909 |
| Average earning assets | $1,052,073,667 | 871 |
| Average equity | $71,876,333 | 1,216 |
| Average total loans | $486,174,667 | 1,244 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 3,028 |
| Cost of funding earning assets | 0.2995% | 4,194 |
| Net interest margin | 3.9059% | 1,470 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.5329% | 2,158 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.4128% | 1,373 |
| Return on assets (ROA) | 1.1912% | 1,916 |
| Pretax return on assets | 1.4619% | 1,747 |
| Return on Equity (ROE) | 18.6200% | 943 |
| Retained earnings to average equity (ytd only) | 18.6164% | 468 |
| Net charge-offs to loans | -0.0383% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5372% | 3,012 |
| Assets per employee ($millions) | 9.1767% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 770 |
| Loan loss allowance to noncurrent loans | 140.6698% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 965 |
| Noncurrent loans to loans | 1.2258% | 560 |
| Net loans and leases to total assets | 42.9800% | 3,910 |
| Net loans and leases to deposits | 46.3965% | 4,025 |
| Net loans and leases to core deposits | 51.1314% | 3,950 |
| Total domestic deposits to total assets | 92.6400% | 365 |
| Equity capital to assets | 6.8380% | 3,891 |
| Core capital (leverage) ratio | 9.6354% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3036% | 257 |
| Memoranda: | ||
| Average total assets | $1,105,122,500 | 923 |
| Average earning assets | $1,064,344,000 | 882 |
| Average equity | $70,712,000 | 1,239 |
| Average total loans | $480,715,500 | 1,265 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 3,699 |
| Cost of funding earning assets | 0.1159% | 4,308 |
| Net interest margin | 3.1384% | 3,066 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.5152% | 2,060 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.8582% | 3,121 |
| Return on assets (ROA) | 0.8495% | 3,085 |
| Pretax return on assets | 1.0723% | 2,856 |
| Return on Equity (ROE) | 12.1700% | 2,088 |
| Retained earnings to average equity (ytd only) | 12.1681% | 636 |
| Net charge-offs to loans | -0.0026% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3557% | 1,634 |
| Assets per employee ($millions) | 8.9401% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 778 |
| Loan loss allowance to noncurrent loans | 169.6197% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 1,165 |
| Noncurrent loans to loans | 1.0144% | 715 |
| Net loans and leases to total assets | 42.5100% | 3,955 |
| Net loans and leases to deposits | 45.4910% | 4,067 |
| Net loans and leases to core deposits | 50.0195% | 3,975 |
| Total domestic deposits to total assets | 93.4500% | 317 |
| Equity capital to assets | 5.9475% | 4,106 |
| Core capital (leverage) ratio | 9.3415% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8697% | 242 |
| Memoranda: | ||
| Average total assets | $1,093,143,000 | 906 |
| Average earning assets | $1,023,502,000 | 887 |
| Average equity | $76,314,000 | 1,173 |
| Average total loans | $453,067,400 | 1,262 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9897% | 3,904 |
| Cost of funding earning assets | 0.0879% | 4,364 |
| Net interest margin | 2.9018% | 3,495 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.4396% | 2,191 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.7262% | 3,492 |
| Return on assets (ROA) | 0.7143% | 3,475 |
| Pretax return on assets | 0.9050% | 3,297 |
| Return on Equity (ROE) | 9.8700% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.8682% | 1,389 |
| Net charge-offs to loans | -0.0208% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1871% | 1,361 |
| Assets per employee ($millions) | 8.9989% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 696 |
| Loan loss allowance to noncurrent loans | 187.7341% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,372 |
| Noncurrent loans to loans | 0.9723% | 805 |
| Net loans and leases to total assets | 39.9400% | 4,073 |
| Net loans and leases to deposits | 42.3070% | 4,170 |
| Net loans and leases to core deposits | 46.6610% | 4,074 |
| Total domestic deposits to total assets | 94.4000% | 303 |
| Equity capital to assets | 5.2256% | 4,222 |
| Core capital (leverage) ratio | 8.8040% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5640% | 240 |
| Memoranda: | ||
| Average total assets | $1,093,756,250 | 911 |
| Average earning assets | $1,017,593,500 | 901 |
| Average equity | $79,175,250 | 1,157 |
| Average total loans | $448,382,000 | 1,268 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6700% | 4,185 |
| Cost of funding earning assets | 0.0826% | 4,351 |
| Net interest margin | 2.5874% | 3,935 |
| Noninterest income to average assets | 0.6211% | 1,654 |
| Noninterest expense to average assets | 2.3951% | 2,238 |
| Loan and lease loss provision to assets | -0.0292% | 4,462 |
| Net operating income to assets | 0.5093% | 3,865 |
| Return on assets (ROA) | 0.4972% | 3,854 |
| Pretax return on assets | 0.6323% | 3,744 |
| Return on Equity (ROE) | 6.2767% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.2767% | 2,247 |
| Net charge-offs to loans | -0.0134% | 3,709 |
| Credit loss provision to net charge-offs | 530.0000% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4761% | 987 |
| Assets per employee ($millions) | 9.7401% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 769 |
| Loan loss allowance to noncurrent loans | 153.6854% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 1,242 |
| Noncurrent loans to loans | 1.1926% | 670 |
| Net loans and leases to total assets | 37.4278% | 4,196 |
| Net loans and leases to deposits | 40.1192% | 4,262 |
| Net loans and leases to core deposits | 44.8076% | 4,165 |
| Total domestic deposits to total assets | 93.2916% | 440 |
| Equity capital to assets | 6.3049% | 4,096 |
| Core capital (leverage) ratio | 8.6588% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4956% | 186 |
| Memoranda: | ||
| Average total assets | $1,089,385,333 | 911 |
| Average earning assets | $1,007,354,000 | 908 |
| Average equity | $86,287,000 | 1,093 |
| Average total loans | $447,749,667 | 1,266 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7005% | 3,950 |
| Cost of funding earning assets | 0.0838% | 4,309 |
| Net interest margin | 2.6168% | 3,619 |
| Noninterest income to average assets | 0.6501% | 1,494 |
| Noninterest expense to average assets | 2.3779% | 2,239 |
| Loan and lease loss provision to assets | -0.0322% | 4,485 |
| Net operating income to assets | 0.5706% | 3,493 |
| Return on assets (ROA) | 0.5567% | 3,511 |
| Pretax return on assets | 0.7140% | 3,352 |
| Return on Equity (ROE) | 6.3028% | 3,249 |
| Retained earnings to average equity (ytd only) | 6.3028% | 2,141 |
| Net charge-offs to loans | 0.0304% | 1,006 |
| Credit loss provision to net charge-offs | -247.0588% | 3,013 |
| Earnings coverage of net charge-offs (x) | 53.7353% | 902 |
| Efficiency ratio | 77.2705% | 1,372 |
| Assets per employee ($millions) | 10.3609% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 745 |
| Loan loss allowance to noncurrent loans | 127.2727% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 1,098 |
| Noncurrent loans to loans | 1.4899% | 558 |
| Net loans and leases to total assets | 36.1189% | 4,202 |
| Net loans and leases to deposits | 39.0963% | 4,283 |
| Net loans and leases to core deposits | 43.7019% | 4,175 |
| Total domestic deposits to total assets | 92.3844% | 439 |
| Equity capital to assets | 7.2478% | 4,074 |
| Core capital (leverage) ratio | 9.3809% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3907% | 169 |
| Memoranda: | ||
| Average total assets | $1,044,801,500 | 947 |
| Average earning assets | $969,138,000 | 940 |
| Average equity | $92,277,000 | 1,059 |
| Average total loans | $446,953,000 | 1,262 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9686% | 3,925 |
| Cost of funding earning assets | 0.1270% | 4,173 |
| Net interest margin | 2.8416% | 3,582 |
| Noninterest income to average assets | 0.5885% | 2,212 |
| Noninterest expense to average assets | 2.6230% | 1,815 |
| Loan and lease loss provision to assets | -0.3757% | 4,800 |
| Net operating income to assets | 0.8076% | 3,313 |
| Return on assets (ROA) | 0.8053% | 3,393 |
| Pretax return on assets | 1.0148% | 3,216 |
| Return on Equity (ROE) | 7.4287% | 3,396 |
| Retained earnings to average equity (ytd only) | -1.8146% | 4,618 |
| Net charge-offs to loans | -0.0226% | 4,024 |
| Credit loss provision to net charge-offs | 3,238.1818% | 209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3386% | 786 |
| Assets per employee ($millions) | 7.8997% | 1,386 |
| Cash dividends to net income (ytd only)* | 124.4270% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 828 |
| Loan loss allowance to noncurrent loans | 82.4689% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 465 |
| Noncurrent loans to loans | 2.2094% | 334 |
| Net loans and leases to total assets | 49.6092% | 3,338 |
| Net loans and leases to deposits | 55.9418% | 3,423 |
| Net loans and leases to core deposits | 65.1998% | 2,885 |
| Total domestic deposits to total assets | 88.6801% | 1,680 |
| Equity capital to assets | 10.8917% | 1,865 |
| Core capital (leverage) ratio | 10.1724% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8926% | 240 |
| Memoranda: | ||
| Average total assets | $948,063,200 | 995 |
| Average earning assets | $892,983,000 | 986 |
| Average equity | $102,777,600 | 992 |
| Average total loans | $486,184,400 | 1,189 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9651% | 4,064 |
| Cost of funding earning assets | 0.1355% | 4,226 |
| Net interest margin | 2.8295% | 3,709 |
| Noninterest income to average assets | 0.5548% | 2,393 |
| Noninterest expense to average assets | 2.4862% | 2,165 |
| Loan and lease loss provision to assets | -0.3550% | 4,846 |
| Net operating income to assets | 0.9706% | 3,017 |
| Return on assets (ROA) | 0.9684% | 3,108 |
| Pretax return on assets | 1.1027% | 3,188 |
| Return on Equity (ROE) | 8.9431% | 3,121 |
| Retained earnings to average equity (ytd only) | 2.5166% | 4,049 |
| Net charge-offs to loans | -0.0257% | 4,074 |
| Credit loss provision to net charge-offs | 2,685.2632% | 259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8202% | 974 |
| Assets per employee ($millions) | 8.2650% | 1,146 |
| Cash dividends to net income (ytd only)* | 71.8597% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 561 |
| Loan loss allowance to noncurrent loans | 89.0411% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 593 |
| Noncurrent loans to loans | 2.3332% | 344 |
| Net loans and leases to total assets | 44.8564% | 3,878 |
| Net loans and leases to deposits | 50.3639% | 3,994 |
| Net loans and leases to core deposits | 57.6521% | 3,653 |
| Total domestic deposits to total assets | 89.0646% | 1,242 |
| Equity capital to assets | 10.5292% | 2,434 |
| Core capital (leverage) ratio | 10.3027% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5497% | 222 |
| Memoranda: | ||
| Average total assets | $957,963,000 | 1,003 |
| Average earning assets | $907,883,500 | 991 |
| Average equity | $103,735,250 | 999 |
| Average total loans | $492,969,000 | 1,199 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9914% | 4,061 |
| Cost of funding earning assets | 0.1453% | 4,248 |
| Net interest margin | 2.8462% | 3,686 |
| Noninterest income to average assets | 0.5393% | 2,449 |
| Noninterest expense to average assets | 2.4840% | 2,197 |
| Loan and lease loss provision to assets | -0.2420% | 4,799 |
| Net operating income to assets | 0.8551% | 3,351 |
| Return on assets (ROA) | 0.8523% | 3,434 |
| Pretax return on assets | 1.0303% | 3,369 |
| Return on Equity (ROE) | 7.7962% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.9424% | 3,538 |
| Net charge-offs to loans | -0.0347% | 4,214 |
| Credit loss provision to net charge-offs | 1,305.6818% | 393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8328% | 1,096 |
| Assets per employee ($millions) | 8.6698% | 962 |
| Cash dividends to net income (ytd only)* | 49.4315% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 379 |
| Loan loss allowance to noncurrent loans | 91.2446% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 613 |
| Noncurrent loans to loans | 2.5010% | 329 |
| Net loans and leases to total assets | 45.0166% | 3,973 |
| Net loans and leases to deposits | 50.4076% | 4,083 |
| Net loans and leases to core deposits | 63.7750% | 3,309 |
| Total domestic deposits to total assets | 89.3052% | 1,136 |
| Equity capital to assets | 10.2726% | 2,601 |
| Core capital (leverage) ratio | 10.6010% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6501% | 259 |
| Memoranda: | ||
| Average total assets | $949,440,667 | 1,005 |
| Average earning assets | $912,810,000 | 983 |
| Average equity | $103,794,333 | 989 |
| Average total loans | $507,113,333 | 1,170 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1856% | 3,717 |
| Cost of funding earning assets | 0.1556% | 4,269 |
| Net interest margin | 3.0300% | 3,179 |
| Noninterest income to average assets | 0.5163% | 2,540 |
| Noninterest expense to average assets | 2.5250% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7523% | 3,568 |
| Return on assets (ROA) | 0.7460% | 3,655 |
| Pretax return on assets | 0.9279% | 3,542 |
| Return on Equity (ROE) | 6.6004% | 3,705 |
| Retained earnings to average equity (ytd only) | -1.1557% | 4,480 |
| Net charge-offs to loans | 0.1349% | 556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.0621% | 1,429 |
| Efficiency ratio | 72.9610% | 1,410 |
| Assets per employee ($millions) | 7.6784% | 1,355 |
| Cash dividends to net income (ytd only)* | 117.5088% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2649% | 386 |
| Loan loss allowance to noncurrent loans | 66.9505% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.8775% | 285 |
| Noncurrent loans to loans | 3.3829% | 209 |
| Net loans and leases to total assets | 53.1757% | 3,321 |
| Net loans and leases to deposits | 59.8521% | 3,499 |
| Net loans and leases to core deposits | 74.1827% | 2,500 |
| Total domestic deposits to total assets | 88.8451% | 1,417 |
| Equity capital to assets | 10.6683% | 2,117 |
| Core capital (leverage) ratio | 10.9727% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3999% | 266 |
| Memoranda: | ||
| Average total assets | $912,641,000 | 1,023 |
| Average earning assets | $886,878,000 | 994 |
| Average equity | $103,145,000 | 985 |
| Average total loans | $525,023,500 | 1,149 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,120 |
| Cost of funding earning assets | 0.3709% | 3,761 |
| Net interest margin | 3.4970% | 2,488 |
| Noninterest income to average assets | 0.5595% | 2,375 |
| Noninterest expense to average assets | 2.8744% | 1,752 |
| Loan and lease loss provision to assets | 0.1671% | 2,292 |
| Net operating income to assets | 0.7241% | 3,354 |
| Return on assets (ROA) | 0.7867% | 3,265 |
| Pretax return on assets | 0.9989% | 3,049 |
| Return on Equity (ROE) | 6.5169% | 3,401 |
| Retained earnings to average equity (ytd only) | 2.6522% | 3,525 |
| Net charge-offs to loans | -0.0222% | 4,455 |
| Credit loss provision to net charge-offs | -1,184.2975% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5656% | 1,620 |
| Assets per employee ($millions) | 6.8816% | 1,658 |
| Cash dividends to net income (ytd only)* | 59.3032% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 406 |
| Loan loss allowance to noncurrent loans | 75.9676% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8055% | 341 |
| Noncurrent loans to loans | 2.9008% | 308 |
| Net loans and leases to total assets | 59.5315% | 2,918 |
| Net loans and leases to deposits | 68.4319% | 3,038 |
| Net loans and leases to core deposits | 79.8426% | 2,381 |
| Total domestic deposits to total assets | 86.9938% | 1,953 |
| Equity capital to assets | 11.9766% | 1,580 |
| Core capital (leverage) ratio | 11.0778% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5182% | 257 |
| Memoranda: | ||
| Average total assets | $857,350,800 | 1,002 |
| Average earning assets | $833,961,200 | 968 |
| Average equity | $103,500,000 | 937 |
| Average total loans | $544,676,600 | 1,066 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,189 |
| Cost of funding earning assets | 0.4177% | 3,717 |
| Net interest margin | 3.5026% | 2,583 |
| Noninterest income to average assets | 0.5596% | 2,351 |
| Noninterest expense to average assets | 2.8691% | 1,773 |
| Loan and lease loss provision to assets | 0.1912% | 2,076 |
| Net operating income to assets | 0.6816% | 3,514 |
| Return on assets (ROA) | 0.7706% | 3,321 |
| Pretax return on assets | 1.0180% | 3,004 |
| Return on Equity (ROE) | 6.3700% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.7811% | 3,152 |
| Net charge-offs to loans | -0.0434% | 4,635 |
| Credit loss provision to net charge-offs | -685.9551% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3486% | 1,604 |
| Assets per employee ($millions) | 6.8307% | 1,604 |
| Cash dividends to net income (ytd only)* | 40.6421% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 413 |
| Loan loss allowance to noncurrent loans | 82.1776% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6760% | 476 |
| Noncurrent loans to loans | 2.5642% | 405 |
| Net loans and leases to total assets | 62.4474% | 2,953 |
| Net loans and leases to deposits | 72.9125% | 3,044 |
| Net loans and leases to core deposits | 91.4955% | 1,841 |
| Total domestic deposits to total assets | 85.6470% | 2,200 |
| Equity capital to assets | 12.1597% | 1,598 |
| Core capital (leverage) ratio | 11.6992% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,477,750 | 997 |
| Average earning assets | $828,015,500 | 959 |
| Average equity | $103,001,250 | 934 |
| Average total loans | $546,797,000 | 1,052 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,357 |
| Cost of funding earning assets | 0.4924% | 3,584 |
| Net interest margin | 3.4955% | 2,800 |
| Noninterest income to average assets | 0.5403% | 2,392 |
| Noninterest expense to average assets | 2.8300% | 2,020 |
| Loan and lease loss provision to assets | 0.2392% | 1,760 |
| Net operating income to assets | 0.6509% | 3,578 |
| Return on assets (ROA) | 0.7706% | 3,269 |
| Pretax return on assets | 1.0218% | 2,960 |
| Return on Equity (ROE) | 6.3813% | 3,371 |
| Retained earnings to average equity (ytd only) | 2.4664% | 3,594 |
| Net charge-offs to loans | -0.0198% | 4,401 |
| Credit loss provision to net charge-offs | -1,874.0741% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8366% | 1,704 |
| Assets per employee ($millions) | 6.7265% | 1,608 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 395 |
| Loan loss allowance to noncurrent loans | 76.3497% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 431 |
| Noncurrent loans to loans | 2.7031% | 404 |
| Net loans and leases to total assets | 63.4252% | 2,945 |
| Net loans and leases to deposits | 72.9264% | 3,169 |
| Net loans and leases to core deposits | 90.5211% | 2,031 |
| Total domestic deposits to total assets | 86.9715% | 1,631 |
| Equity capital to assets | 12.2696% | 1,501 |
| Core capital (leverage) ratio | 11.8079% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8655% | 286 |
| Memoranda: | ||
| Average total assets | $846,137,000 | 987 |
| Average earning assets | $822,826,000 | 947 |
| Average equity | $102,173,333 | 931 |
| Average total loans | $544,598,667 | 1,045 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,540 |
| Cost of funding earning assets | 0.5371% | 3,761 |
| Net interest margin | 3.5556% | 2,803 |
| Noninterest income to average assets | 0.5223% | 2,430 |
| Noninterest expense to average assets | 2.9410% | 2,027 |
| Loan and lease loss provision to assets | 0.2129% | 1,440 |
| Net operating income to assets | 0.5920% | 3,617 |
| Return on assets (ROA) | 0.7258% | 3,270 |
| Pretax return on assets | 0.9959% | 2,854 |
| Return on Equity (ROE) | 6.0593% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.0593% | 1,846 |
| Net charge-offs to loans | -0.0546% | 4,663 |
| Credit loss provision to net charge-offs | -608.1081% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8857% | 1,835 |
| Assets per employee ($millions) | 7.0783% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 537 |
| Loan loss allowance to noncurrent loans | 115.6552% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 1,089 |
| Noncurrent loans to loans | 1.6940% | 895 |
| Net loans and leases to total assets | 63.5438% | 3,121 |
| Net loans and leases to deposits | 73.6076% | 3,312 |
| Net loans and leases to core deposits | 90.9817% | 2,254 |
| Total domestic deposits to total assets | 86.3278% | 1,862 |
| Equity capital to assets | 12.1722% | 1,944 |
| Core capital (leverage) ratio | 11.9019% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $845,436,000 | 965 |
| Average earning assets | $822,255,500 | 918 |
| Average equity | $101,265,000 | 933 |
| Average total loans | $542,457,500 | 1,024 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 3,621 |
| Cost of funding earning assets | 0.5467% | 3,894 |
| Net interest margin | 3.7232% | 2,746 |
| Noninterest income to average assets | 0.5395% | 2,531 |
| Noninterest expense to average assets | 3.1577% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7594% | 3,673 |
| Return on assets (ROA) | 0.8094% | 3,618 |
| Pretax return on assets | 1.0586% | 3,302 |
| Return on Equity (ROE) | 6.9078% | 3,580 |
| Retained earnings to average equity (ytd only) | 0.7438% | 4,475 |
| Net charge-offs to loans | 0.0021% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 751.6364% | 135 |
| Efficiency ratio | 76.0348% | 1,364 |
| Assets per employee ($millions) | 7.0138% | 1,034 |
| Cash dividends to net income (ytd only)* | 89.2326% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 530 |
| Loan loss allowance to noncurrent loans | 117.0793% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,194 |
| Noncurrent loans to loans | 1.6402% | 852 |
| Net loans and leases to total assets | 62.2736% | 3,366 |
| Net loans and leases to deposits | 72.4498% | 3,482 |
| Net loans and leases to core deposits | 91.2983% | 2,295 |
| Total domestic deposits to total assets | 85.9541% | 2,084 |
| Equity capital to assets | 11.8139% | 2,271 |
| Core capital (leverage) ratio | 11.8110% | 1,888 |
| Tier 1 risk-based capital ratio | 27.4805% | 589 |
| Total risk-based capital ratio | 28.7504% | 576 |
| Memoranda: | ||
| Average total assets | $830,735,800 | 942 |
| Average earning assets | $806,239,000 | 902 |
| Average equity | $97,338,800 | 921 |
| Average total loans | $531,610,600 | 1,015 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 3,656 |
| Cost of funding earning assets | 0.5411% | 3,978 |
| Net interest margin | 3.7579% | 2,725 |
| Noninterest income to average assets | 0.5541% | 2,441 |
| Noninterest expense to average assets | 2.9377% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9551% | 3,148 |
| Return on assets (ROA) | 0.9966% | 3,070 |
| Pretax return on assets | 1.3146% | 2,617 |
| Return on Equity (ROE) | 8.5232% | 3,101 |
| Retained earnings to average equity (ytd only) | 0.2603% | 4,713 |
| Net charge-offs to loans | 0.0186% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 105.9235% | 719 |
| Efficiency ratio | 69.9486% | 2,123 |
| Assets per employee ($millions) | 6.9835% | 1,033 |
| Cash dividends to net income (ytd only)* | 96.9462% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 550 |
| Loan loss allowance to noncurrent loans | 112.6712% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 1,199 |
| Noncurrent loans to loans | 1.6980% | 860 |
| Net loans and leases to total assets | 62.3959% | 3,453 |
| Net loans and leases to deposits | 72.7370% | 3,575 |
| Net loans and leases to core deposits | 91.5312% | 2,413 |
| Total domestic deposits to total assets | 85.7830% | 2,091 |
| Equity capital to assets | 11.8960% | 2,331 |
| Core capital (leverage) ratio | 11.4862% | 2,232 |
| Tier 1 risk-based capital ratio | 27.6871% | 593 |
| Total risk-based capital ratio | 28.9572% | 580 |
| Memoranda: | ||
| Average total assets | $828,007,250 | 950 |
| Average earning assets | $803,305,000 | 903 |
| Average equity | $96,815,500 | 925 |
| Average total loans | $530,916,250 | 1,013 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 3,690 |
| Cost of funding earning assets | 0.5306% | 3,983 |
| Net interest margin | 3.7500% | 2,754 |
| Noninterest income to average assets | 0.5765% | 2,260 |
| Noninterest expense to average assets | 2.9462% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9485% | 3,098 |
| Return on assets (ROA) | 0.9485% | 3,165 |
| Pretax return on assets | 1.2672% | 2,684 |
| Return on Equity (ROE) | 8.1601% | 3,223 |
| Retained earnings to average equity (ytd only) | 1.9007% | 4,145 |
| Net charge-offs to loans | 0.0321% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 61.4706% | 963 |
| Efficiency ratio | 69.9246% | 2,236 |
| Assets per employee ($millions) | 7.0478% | 978 |
| Cash dividends to net income (ytd only)* | 76.7067% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9150% | 546 |
| Loan loss allowance to noncurrent loans | 115.8517% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,335 |
| Noncurrent loans to loans | 1.6530% | 931 |
| Net loans and leases to total assets | 60.6887% | 3,678 |
| Net loans and leases to deposits | 70.3405% | 3,813 |
| Net loans and leases to core deposits | 87.7055% | 2,828 |
| Total domestic deposits to total assets | 86.2784% | 1,905 |
| Equity capital to assets | 11.5283% | 2,586 |
| Core capital (leverage) ratio | 11.5123% | 2,157 |
| Tier 1 risk-based capital ratio | 27.1913% | 605 |
| Total risk-based capital ratio | 28.4606% | 594 |
| Memoranda: | ||
| Average total assets | $824,668,330 | 946 |
| Average earning assets | $799,796,330 | 900 |
| Average equity | $95,857,000 | 930 |
| Average total loans | $530,191,000 | 1,013 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 3,321 |
| Cost of funding earning assets | 0.4935% | 4,088 |
| Net interest margin | 3.8798% | 2,249 |
| Noninterest income to average assets | 0.6136% | 1,984 |
| Noninterest expense to average assets | 3.0315% | 1,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0346% | 2,726 |
| Return on assets (ROA) | 1.0370% | 2,753 |
| Pretax return on assets | 1.3026% | 2,443 |
| Return on Equity (ROE) | 8.8811% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.8811% | 1,360 |
| Net charge-offs to loans | 0.0280% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 70.8649% | 838 |
| Efficiency ratio | 69.9931% | 2,344 |
| Assets per employee ($millions) | 7.1587% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 572 |
| Loan loss allowance to noncurrent loans | 126.7459% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 1,402 |
| Noncurrent loans to loans | 1.5174% | 1,059 |
| Net loans and leases to total assets | 62.3221% | 3,472 |
| Net loans and leases to deposits | 74.6072% | 3,395 |
| Net loans and leases to core deposits | 90.0663% | 2,493 |
| Total domestic deposits to total assets | 83.5336% | 3,209 |
| Equity capital to assets | 11.5923% | 2,315 |
| Core capital (leverage) ratio | 12.1686% | 1,685 |
| Tier 1 risk-based capital ratio | 28.8409% | 517 |
| Total risk-based capital ratio | 30.1119% | 508 |
| Memoranda: | ||
| Average total assets | $806,982,000 | 967 |
| Average earning assets | $773,242,500 | 932 |
| Average equity | $94,223,000 | 936 |
| Average total loans | $529,280,500 | 1,021 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,812 |
| Cost of funding earning assets | 0.3086% | 4,527 |
| Net interest margin | 3.7688% | 2,787 |
| Noninterest income to average assets | 0.5930% | 2,332 |
| Noninterest expense to average assets | 3.1973% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8275% | 3,702 |
| Return on assets (ROA) | 0.8306% | 3,688 |
| Pretax return on assets | 1.0448% | 3,456 |
| Return on Equity (ROE) | 7.3451% | 3,710 |
| Retained earnings to average equity (ytd only) | 0.7110% | 4,798 |
| Net charge-offs to loans | 0.0023% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 693.7500% | 159 |
| Efficiency ratio | 75.4403% | 1,432 |
| Assets per employee ($millions) | 6.2612% | 1,350 |
| Cash dividends to net income (ytd only)* | 90.3206% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 520 |
| Loan loss allowance to noncurrent loans | 118.2844% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 1,125 |
| Noncurrent loans to loans | 1.6501% | 885 |
| Net loans and leases to total assets | 66.4690% | 3,060 |
| Net loans and leases to deposits | 80.0900% | 2,948 |
| Net loans and leases to core deposits | 94.1341% | 2,215 |
| Total domestic deposits to total assets | 82.9928% | 3,333 |
| Equity capital to assets | 11.7662% | 2,055 |
| Core capital (leverage) ratio | 12.3036% | 1,560 |
| Tier 1 risk-based capital ratio | 28.9775% | 513 |
| Total risk-based capital ratio | 30.2498% | 504 |
| Memoranda: | ||
| Average total assets | $799,806,000 | 950 |
| Average earning assets | $773,553,200 | 909 |
| Average equity | $90,441,600 | 930 |
| Average total loans | $518,480,000 | 1,012 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,826 |
| Cost of funding earning assets | 0.2891% | 4,591 |
| Net interest margin | 3.7463% | 2,838 |
| Noninterest income to average assets | 0.5921% | 2,353 |
| Noninterest expense to average assets | 3.2666% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7588% | 4,047 |
| Return on assets (ROA) | 0.7629% | 4,043 |
| Pretax return on assets | 0.9532% | 3,870 |
| Return on Equity (ROE) | 6.8133% | 3,995 |
| Retained earnings to average equity (ytd only) | -2.0543% | 5,203 |
| Net charge-offs to loans | -0.0227% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5051% | 1,173 |
| Assets per employee ($millions) | 6.2619% | 1,303 |
| Cash dividends to net income (ytd only)* | 130.1519% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 520 |
| Loan loss allowance to noncurrent loans | 120.5626% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 1,301 |
| Noncurrent loans to loans | 1.6274% | 970 |
| Net loans and leases to total assets | 64.6591% | 3,347 |
| Net loans and leases to deposits | 76.1542% | 3,405 |
| Net loans and leases to core deposits | 88.5053% | 2,795 |
| Total domestic deposits to total assets | 84.9054% | 2,639 |
| Equity capital to assets | 10.7805% | 2,865 |
| Core capital (leverage) ratio | 11.7928% | 1,919 |
| Tier 1 risk-based capital ratio | 27.8157% | 582 |
| Total risk-based capital ratio | 29.0876% | 569 |
| Memoranda: | ||
| Average total assets | $805,659,000 | 946 |
| Average earning assets | $779,067,750 | 900 |
| Average equity | $90,214,000 | 927 |
| Average total loans | $516,516,500 | 1,013 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 4,028 |
| Cost of funding earning assets | 0.2745% | 4,606 |
| Net interest margin | 3.6416% | 3,150 |
| Noninterest income to average assets | 0.5923% | 2,366 |
| Noninterest expense to average assets | 3.2539% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6941% | 4,208 |
| Return on assets (ROA) | 0.6971% | 4,206 |
| Pretax return on assets | 0.8634% | 4,073 |
| Return on Equity (ROE) | 6.1498% | 4,176 |
| Retained earnings to average equity (ytd only) | -0.4088% | 5,014 |
| Net charge-offs to loans | -0.0382% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1012% | 1,105 |
| Assets per employee ($millions) | 6.4757% | 1,186 |
| Cash dividends to net income (ytd only)* | 106.6477% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 529 |
| Loan loss allowance to noncurrent loans | 112.9323% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 1,284 |
| Noncurrent loans to loans | 1.7595% | 901 |
| Net loans and leases to total assets | 62.7683% | 3,524 |
| Net loans and leases to deposits | 73.8791% | 3,549 |
| Net loans and leases to core deposits | 83.8866% | 3,089 |
| Total domestic deposits to total assets | 84.9609% | 2,692 |
| Equity capital to assets | 10.9221% | 2,709 |
| Core capital (leverage) ratio | 11.7839% | 1,846 |
| Tier 1 risk-based capital ratio | 28.3925% | 541 |
| Total risk-based capital ratio | 29.6647% | 534 |
| Memoranda: | ||
| Average total assets | $807,038,330 | 947 |
| Average earning assets | $780,370,670 | 899 |
| Average equity | $91,482,670 | 916 |
| Average total loans | $512,479,330 | 1,020 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,071 |
| Cost of funding earning assets | 0.2484% | 4,717 |
| Net interest margin | 3.6053% | 3,158 |
| Noninterest income to average assets | 0.6001% | 2,256 |
| Noninterest expense to average assets | 3.2535% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6748% | 4,189 |
| Return on assets (ROA) | 0.6748% | 4,194 |
| Pretax return on assets | 0.8333% | 4,073 |
| Return on Equity (ROE) | 5.8447% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.8447% | 2,784 |
| Net charge-offs to loans | 0.0568% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 23.2222% | 1,386 |
| Efficiency ratio | 79.6098% | 1,186 |
| Assets per employee ($millions) | 6.6502% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 535 |
| Loan loss allowance to noncurrent loans | 111.5687% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,377 |
| Noncurrent loans to loans | 1.8006% | 930 |
| Net loans and leases to total assets | 60.4128% | 3,709 |
| Net loans and leases to deposits | 71.7135% | 3,640 |
| Net loans and leases to core deposits | 81.1385% | 3,227 |
| Total domestic deposits to total assets | 84.2418% | 3,221 |
| Equity capital to assets | 11.1061% | 2,481 |
| Core capital (leverage) ratio | 12.2492% | 1,498 |
| Tier 1 risk-based capital ratio | 26.2029% | 668 |
| Total risk-based capital ratio | 27.4712% | 654 |
| Memoranda: | ||
| Average total assets | $802,587,500 | 961 |
| Average earning assets | $776,186,000 | 909 |
| Average equity | $92,665,000 | 909 |
| Average total loans | $507,451,500 | 1,035 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 3,950 |
| Cost of funding earning assets | 0.1687% | 5,162 |
| Net interest margin | 3.6594% | 2,954 |
| Noninterest income to average assets | 0.6472% | 2,214 |
| Noninterest expense to average assets | 3.4557% | 1,118 |
| Loan and lease loss provision to assets | 0.0554% | 3,124 |
| Net operating income to assets | 0.1560% | 5,184 |
| Return on assets (ROA) | 0.1998% | 5,126 |
| Pretax return on assets | 0.7644% | 4,351 |
| Return on Equity (ROE) | 1.6644% | 5,119 |
| Retained earnings to average equity (ytd only) | 1.6644% | 4,305 |
| Net charge-offs to loans | -0.0171% | 4,911 |
| Credit loss provision to net charge-offs | -511.9048% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1406% | 920 |
| Assets per employee ($millions) | 6.2948% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 505 |
| Loan loss allowance to noncurrent loans | 107.3703% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,175 |
| Noncurrent loans to loans | 1.8912% | 826 |
| Net loans and leases to total assets | 63.5739% | 3,412 |
| Net loans and leases to deposits | 76.5201% | 3,277 |
| Net loans and leases to core deposits | 82.5789% | 3,195 |
| Total domestic deposits to total assets | 83.0813% | 3,533 |
| Equity capital to assets | 12.0103% | 1,832 |
| Core capital (leverage) ratio | 12.0849% | 1,559 |
| Tier 1 risk-based capital ratio | 28.5397% | 515 |
| Total risk-based capital ratio | 29.8121% | 510 |
| Memoranda: | ||
| Average total assets | $776,852,400 | 960 |
| Average earning assets | $755,718,800 | 910 |
| Average equity | $93,247,000 | 880 |
| Average total loans | $492,391,600 | 1,045 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 3,963 |
| Cost of funding earning assets | 0.1628% | 5,239 |
| Net interest margin | 3.6483% | 2,959 |
| Noninterest income to average assets | 0.6399% | 2,254 |
| Noninterest expense to average assets | 3.5157% | 969 |
| Loan and lease loss provision to assets | 0.0481% | 3,140 |
| Net operating income to assets | 0.4515% | 4,880 |
| Return on assets (ROA) | 0.5011% | 4,761 |
| Pretax return on assets | 0.7071% | 4,593 |
| Return on Equity (ROE) | 4.1751% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.1751% | 3,416 |
| Net charge-offs to loans | -0.0319% | 5,017 |
| Credit loss provision to net charge-offs | -239.3162% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6844% | 780 |
| Assets per employee ($millions) | 6.5271% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 536 |
| Loan loss allowance to noncurrent loans | 108.2730% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 1,323 |
| Noncurrent loans to loans | 1.8843% | 927 |
| Net loans and leases to total assets | 61.3156% | 3,738 |
| Net loans and leases to deposits | 73.7750% | 3,600 |
| Net loans and leases to core deposits | 80.0860% | 3,450 |
| Total domestic deposits to total assets | 83.1116% | 3,423 |
| Equity capital to assets | 11.9949% | 1,967 |
| Core capital (leverage) ratio | 12.2253% | 1,554 |
| Tier 1 risk-based capital ratio | 28.8758% | 526 |
| Total risk-based capital ratio | 30.1479% | 516 |
| Memoranda: | ||
| Average total assets | $775,926,750 | 961 |
| Average earning assets | $757,416,500 | 916 |
| Average equity | $93,122,000 | 885 |
| Average total loans | $488,861,000 | 1,055 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 3,894 |
| Cost of funding earning assets | 0.1481% | 5,350 |
| Net interest margin | 3.6524% | 2,831 |
| Noninterest income to average assets | 0.5713% | 2,594 |
| Noninterest expense to average assets | 3.5988% | 874 |
| Loan and lease loss provision to assets | 0.0728% | 2,514 |
| Net operating income to assets | 0.3415% | 5,124 |
| Return on assets (ROA) | 0.4033% | 5,004 |
| Pretax return on assets | 0.5476% | 4,909 |
| Return on Equity (ROE) | 3.3599% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.3599% | 3,717 |
| Net charge-offs to loans | -0.0556% | 5,221 |
| Credit loss provision to net charge-offs | -207.4074% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0167% | 604 |
| Assets per employee ($millions) | 6.3950% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 554 |
| Loan loss allowance to noncurrent loans | 120.9021% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 1,483 |
| Noncurrent loans to loans | 1.6912% | 1,076 |
| Net loans and leases to total assets | 62.5454% | 3,569 |
| Net loans and leases to deposits | 76.7551% | 3,250 |
| Net loans and leases to core deposits | 83.7724% | 3,093 |
| Total domestic deposits to total assets | 81.4869% | 4,050 |
| Equity capital to assets | 12.0286% | 1,904 |
| Core capital (leverage) ratio | 12.2721% | 1,492 |
| Tier 1 risk-based capital ratio | 27.9401% | 553 |
| Total risk-based capital ratio | 29.2114% | 543 |
| Memoranda: | ||
| Average total assets | $769,135,000 | 975 |
| Average earning assets | $750,628,670 | 927 |
| Average equity | $92,324,000 | 893 |
| Average total loans | $485,672,670 | 1,060 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,665 |
| Cost of funding earning assets | 0.1214% | 5,549 |
| Net interest margin | 3.7053% | 2,471 |
| Noninterest income to average assets | 0.5610% | 2,602 |
| Noninterest expense to average assets | 3.7391% | 736 |
| Loan and lease loss provision to assets | 0.1362% | 1,401 |
| Net operating income to assets | 0.2409% | 5,322 |
| Return on assets (ROA) | 0.3279% | 5,156 |
| Pretax return on assets | 0.4065% | 5,152 |
| Return on Equity (ROE) | 2.7347% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.7347% | 4,040 |
| Net charge-offs to loans | 0.0300% | 2,163 |
| Credit loss provision to net charge-offs | 722.2222% | 444 |
| Earnings coverage of net charge-offs (x) | 23.0833% | 1,393 |
| Efficiency ratio | 89.5721% | 576 |
| Assets per employee ($millions) | 6.2734% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 584 |
| Loan loss allowance to noncurrent loans | 122.7150% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 1,702 |
| Noncurrent loans to loans | 1.6879% | 1,139 |
| Net loans and leases to total assets | 61.3681% | 3,616 |
| Net loans and leases to deposits | 75.3098% | 3,271 |
| Net loans and leases to core deposits | 80.0468% | 3,291 |
| Total domestic deposits to total assets | 81.4875% | 4,302 |
| Equity capital to assets | 11.9229% | 1,898 |
| Core capital (leverage) ratio | 12.5429% | 1,318 |
| Tier 1 risk-based capital ratio | 28.6562% | 524 |
| Total risk-based capital ratio | 29.9279% | 515 |
| Memoranda: | ||
| Average total assets | $763,608,000 | 982 |
| Average earning assets | $744,654,500 | 939 |
| Average equity | $91,563,000 | 893 |
| Average total loans | $479,430,000 | 1,065 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,142 |
| Cost of funding earning assets | 0.0910% | 5,739 |
| Net interest margin | 3.6337% | 2,943 |
| Noninterest income to average assets | 0.6236% | 2,537 |
| Noninterest expense to average assets | 3.6323% | 969 |
| Loan and lease loss provision to assets | -0.0362% | 5,551 |
| Net operating income to assets | 0.4095% | 4,909 |
| Return on assets (ROA) | 0.4746% | 4,803 |
| Pretax return on assets | 0.6815% | 4,553 |
| Return on Equity (ROE) | 3.7926% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.7926% | 3,217 |
| Net charge-offs to loans | -0.0380% | 5,317 |
| Credit loss provision to net charge-offs | 156.9767% | 1,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7996% | 762 |
| Assets per employee ($millions) | 5.9457% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 590 |
| Loan loss allowance to noncurrent loans | 168.3342% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 2,428 |
| Noncurrent loans to loans | 1.2238% | 1,680 |
| Net loans and leases to total assets | 61.6497% | 3,652 |
| Net loans and leases to deposits | 74.6451% | 3,454 |
| Net loans and leases to core deposits | 81.1299% | 3,300 |
| Total domestic deposits to total assets | 82.5905% | 3,900 |
| Equity capital to assets | 12.0919% | 1,745 |
| Core capital (leverage) ratio | 12.2897% | 1,437 |
| Tier 1 risk-based capital ratio | 29.2782% | 504 |
| Total risk-based capital ratio | 30.5501% | 496 |
| Memoranda: | ||
| Average total assets | $746,745,600 | 968 |
| Average earning assets | $731,819,000 | 908 |
| Average equity | $93,445,600 | 855 |
| Average total loans | $452,557,400 | 1,084 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 4,246 |
| Cost of funding earning assets | 0.0778% | 5,853 |
| Net interest margin | 3.6244% | 2,987 |
| Noninterest income to average assets | 0.6331% | 2,504 |
| Noninterest expense to average assets | 3.6898% | 866 |
| Loan and lease loss provision to assets | -0.0483% | 5,714 |
| Net operating income to assets | 0.3958% | 5,027 |
| Return on assets (ROA) | 0.4790% | 4,859 |
| Pretax return on assets | 0.6621% | 4,708 |
| Return on Equity (ROE) | 3.7950% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.7950% | 3,612 |
| Net charge-offs to loans | -0.0588% | 5,414 |
| Credit loss provision to net charge-offs | 137.0558% | 1,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1023% | 667 |
| Assets per employee ($millions) | 6.1133% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 514 |
| Loan loss allowance to noncurrent loans | 176.7417% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 2,740 |
| Noncurrent loans to loans | 1.2477% | 1,795 |
| Net loans and leases to total assets | 56.9786% | 4,196 |
| Net loans and leases to deposits | 66.6157% | 4,289 |
| Net loans and leases to core deposits | 71.2403% | 4,229 |
| Total domestic deposits to total assets | 85.5332% | 2,590 |
| Equity capital to assets | 12.5121% | 1,774 |
| Core capital (leverage) ratio | 12.3798% | 1,452 |
| Tier 1 risk-based capital ratio | 30.0728% | 477 |
| Total risk-based capital ratio | 31.3502% | 475 |
| Memoranda: | ||
| Average total assets | $744,657,500 | 969 |
| Average earning assets | $730,402,500 | 907 |
| Average equity | $93,980,500 | 852 |
| Average total loans | $446,869,750 | 1,096 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,259 |
| Cost of funding earning assets | 0.0790% | 5,932 |
| Net interest margin | 3.6326% | 2,969 |
| Noninterest income to average assets | 0.6221% | 2,500 |
| Noninterest expense to average assets | 3.7092% | 865 |
| Loan and lease loss provision to assets | -0.0732% | 5,845 |
| Net operating income to assets | 0.3964% | 5,048 |
| Return on assets (ROA) | 0.4926% | 4,807 |
| Pretax return on assets | 0.6812% | 4,676 |
| Return on Equity (ROE) | 3.8914% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,426 |
| Net charge-offs to loans | -0.0706% | 5,504 |
| Credit loss provision to net charge-offs | 170.8861% | 1,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6601% | 677 |
| Assets per employee ($millions) | 5.6799% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1833% | 559 |
| Loan loss allowance to noncurrent loans | 184.4772% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 2,804 |
| Noncurrent loans to loans | 1.1835% | 1,940 |
| Net loans and leases to total assets | 58.3034% | 4,088 |
| Net loans and leases to deposits | 68.3272% | 4,152 |
| Net loans and leases to core deposits | 72.8684% | 4,100 |
| Total domestic deposits to total assets | 85.3296% | 2,722 |
| Equity capital to assets | 12.7172% | 1,650 |
| Core capital (leverage) ratio | 12.4542% | 1,380 |
| Tier 1 risk-based capital ratio | 28.9123% | 543 |
| Total risk-based capital ratio | 30.1890% | 535 |
| Memoranda: | ||
| Average total assets | $738,157,000 | 978 |
| Average earning assets | $723,727,000 | 916 |
| Average equity | $93,436,670 | 855 |
| Average total loans | $447,411,000 | 1,090 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,158 |
| Cost of funding earning assets | 0.0864% | 5,965 |
| Net interest margin | 3.6564% | 2,864 |
| Noninterest income to average assets | 0.6226% | 2,398 |
| Noninterest expense to average assets | 3.7637% | 823 |
| Loan and lease loss provision to assets | 0.0546% | 2,850 |
| Net operating income to assets | 0.3530% | 5,135 |
| Return on assets (ROA) | 0.5566% | 4,488 |
| Pretax return on assets | 0.6063% | 4,803 |
| Return on Equity (ROE) | 4.4074% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.4074% | 3,276 |
| Net charge-offs to loans | -0.0527% | 5,355 |
| Credit loss provision to net charge-offs | -169.4915% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5400% | 704 |
| Assets per employee ($millions) | 5.8668% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2551% | 548 |
| Loan loss allowance to noncurrent loans | 183.9325% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 2,866 |
| Noncurrent loans to loans | 1.2260% | 1,970 |
| Net loans and leases to total assets | 58.7993% | 3,952 |
| Net loans and leases to deposits | 68.8105% | 3,975 |
| Net loans and leases to core deposits | 74.3636% | 3,851 |
| Total domestic deposits to total assets | 85.4512% | 2,935 |
| Equity capital to assets | 12.7088% | 1,557 |
| Core capital (leverage) ratio | 12.4896% | 1,344 |
| Tier 1 risk-based capital ratio | 27.8683% | 616 |
| Total risk-based capital ratio | 29.1439% | 601 |
| Memoranda: | ||
| Average total assets | $732,361,000 | 989 |
| Average earning assets | $717,202,000 | 928 |
| Average equity | $92,481,500 | 859 |
| Average total loans | $447,673,500 | 1,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 3,988 |
| Cost of funding earning assets | 0.0675% | 6,072 |
| Net interest margin | 3.7512% | 2,549 |
| Noninterest income to average assets | 0.7765% | 1,877 |
| Noninterest expense to average assets | 3.9197% | 741 |
| Loan and lease loss provision to assets | 0.1755% | 1,297 |
| Net operating income to assets | 0.2572% | 5,468 |
| Return on assets (ROA) | 0.4189% | 5,077 |
| Pretax return on assets | 0.5452% | 5,002 |
| Return on Equity (ROE) | 3.3722% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.3722% | 3,652 |
| Net charge-offs to loans | 0.0174% | 3,936 |
| Credit loss provision to net charge-offs | 1,677.6316% | 208 |
| Earnings coverage of net charge-offs (x) | 48.8158% | 1,022 |
| Efficiency ratio | 88.4747% | 801 |
| Assets per employee ($millions) | 5.7608% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1901% | 602 |
| Loan loss allowance to noncurrent loans | 165.3820% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 2,618 |
| Noncurrent loans to loans | 1.3243% | 1,782 |
| Net loans and leases to total assets | 60.7275% | 3,734 |
| Net loans and leases to deposits | 71.0655% | 3,809 |
| Net loans and leases to core deposits | 77.6825% | 3,582 |
| Total domestic deposits to total assets | 85.4528% | 2,883 |
| Equity capital to assets | 12.5786% | 1,580 |
| Core capital (leverage) ratio | 12.2014% | 1,502 |
| Tier 1 risk-based capital ratio | 27.6920% | 618 |
| Total risk-based capital ratio | 28.9654% | 605 |
| Memoranda: | ||
| Average total assets | $726,588,800 | 951 |
| Average earning assets | $707,719,400 | 902 |
| Average equity | $90,268,000 | 845 |
| Average total loans | $436,425,600 | 1,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 4,017 |
| Cost of funding earning assets | 0.0675% | 6,163 |
| Net interest margin | 3.7550% | 2,543 |
| Noninterest income to average assets | 0.7850% | 1,850 |
| Noninterest expense to average assets | 4.0876% | 606 |
| Loan and lease loss provision to assets | 0.1319% | 1,703 |
| Net operating income to assets | 0.1762% | 5,717 |
| Return on assets (ROA) | 0.3172% | 5,489 |
| Pretax return on assets | 0.3975% | 5,469 |
| Return on Equity (ROE) | 2.5612% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5612% | 4,596 |
| Net charge-offs to loans | -0.0089% | 4,953 |
| Credit loss provision to net charge-offs | -2,479.3103% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0474% | 568 |
| Assets per employee ($millions) | 5.7158% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 755 |
| Loan loss allowance to noncurrent loans | 175.4330% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 2,744 |
| Noncurrent loans to loans | 1.2049% | 2,123 |
| Net loans and leases to total assets | 60.5667% | 3,801 |
| Net loans and leases to deposits | 71.0176% | 3,874 |
| Net loans and leases to core deposits | 75.9911% | 3,806 |
| Total domestic deposits to total assets | 85.2841% | 2,892 |
| Equity capital to assets | 12.7047% | 1,614 |
| Core capital (leverage) ratio | 12.3730% | 1,478 |
| Tier 1 risk-based capital ratio | 29.0783% | 565 |
| Total risk-based capital ratio | 30.3535% | 555 |
| Memoranda: | ||
| Average total assets | $726,771,250 | 957 |
| Average earning assets | $707,549,250 | 903 |
| Average equity | $90,009,250 | 854 |
| Average total loans | $432,865,500 | 1,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,187 |
| Cost of funding earning assets | 0.0671% | 6,234 |
| Net interest margin | 3.7000% | 2,709 |
| Noninterest income to average assets | 0.7608% | 1,945 |
| Noninterest expense to average assets | 4.1157% | 600 |
| Loan and lease loss provision to assets | 0.1646% | 1,278 |
| Net operating income to assets | 0.0627% | 5,919 |
| Return on assets (ROA) | 0.2266% | 5,706 |
| Pretax return on assets | 0.2919% | 5,675 |
| Return on Equity (ROE) | 1.8455% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.8455% | 4,775 |
| Net charge-offs to loans | 0.0373% | 2,936 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 11.2250% | 2,312 |
| Efficiency ratio | 94.3518% | 503 |
| Assets per employee ($millions) | 5.7361% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 802 |
| Loan loss allowance to noncurrent loans | 124.9626% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 2,043 |
| Noncurrent loans to loans | 1.7134% | 1,506 |
| Net loans and leases to total assets | 59.5396% | 3,898 |
| Net loans and leases to deposits | 68.6429% | 4,068 |
| Net loans and leases to core deposits | 76.2137% | 3,746 |
| Total domestic deposits to total assets | 86.7381% | 2,302 |
| Equity capital to assets | 12.6640% | 1,570 |
| Core capital (leverage) ratio | 12.1489% | 1,561 |
| Tier 1 risk-based capital ratio | 27.8887% | 649 |
| Total risk-based capital ratio | 29.1604% | 642 |
| Memoranda: | ||
| Average total assets | $728,965,330 | 954 |
| Average earning assets | $709,515,670 | 902 |
| Average equity | $89,513,000 | 859 |
| Average total loans | $428,616,000 | 1,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,040 |
| Cost of funding earning assets | 0.0632% | 6,316 |
| Net interest margin | 3.7292% | 2,517 |
| Noninterest income to average assets | 0.7285% | 2,032 |
| Noninterest expense to average assets | 4.1346% | 592 |
| Loan and lease loss provision to assets | 0.1620% | 1,245 |
| Net operating income to assets | 0.0455% | 5,958 |
| Return on assets (ROA) | 0.2625% | 5,619 |
| Pretax return on assets | 0.3635% | 5,507 |
| Return on Equity (ROE) | 2.1698% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.1698% | 4,596 |
| Net charge-offs to loans | 0.0290% | 2,604 |
| Credit loss provision to net charge-offs | 967.7419% | 349 |
| Earnings coverage of net charge-offs (x) | 13.3871% | 1,727 |
| Efficiency ratio | 94.8581% | 550 |
| Assets per employee ($millions) | 6.5276% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 948 |
| Loan loss allowance to noncurrent loans | 106.7471% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2908% | 2,061 |
| Noncurrent loans to loans | 1.9504% | 1,362 |
| Net loans and leases to total assets | 56.0034% | 4,200 |
| Net loans and leases to deposits | 64.0866% | 4,363 |
| Net loans and leases to core deposits | 71.4121% | 4,019 |
| Total domestic deposits to total assets | 87.3870% | 2,174 |
| Equity capital to assets | 12.0526% | 1,991 |
| Core capital (leverage) ratio | 12.0491% | 1,612 |
| Tier 1 risk-based capital ratio | 29.1118% | 591 |
| Total risk-based capital ratio | 30.3816% | 575 |
| Memoranda: | ||
| Average total assets | $740,677,000 | 938 |
| Average earning assets | $721,016,500 | 895 |
| Average equity | $89,594,500 | 860 |
| Average total loans | $428,290,000 | 1,070 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 4,995 |
| Cost of funding earning assets | 0.0592% | 6,424 |
| Net interest margin | 3.5712% | 3,515 |
| Noninterest income to average assets | 0.9457% | 1,362 |
| Noninterest expense to average assets | 4.2487% | 580 |
| Loan and lease loss provision to assets | -0.0664% | 6,082 |
| Net operating income to assets | 0.1645% | 5,841 |
| Return on assets (ROA) | 0.2847% | 5,624 |
| Pretax return on assets | 0.4091% | 5,461 |
| Return on Equity (ROE) | 2.5654% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.5654% | 4,412 |
| Net charge-offs to loans | 0.0380% | 4,071 |
| Credit loss provision to net charge-offs | -319.3750% | 5,711 |
| Earnings coverage of net charge-offs (x) | 8.2188% | 2,911 |
| Efficiency ratio | 96.1333% | 497 |
| Assets per employee ($millions) | 6.6426% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 1,055 |
| Loan loss allowance to noncurrent loans | 143.7573% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 2,952 |
| Noncurrent loans to loans | 1.4116% | 2,079 |
| Net loans and leases to total assets | 57.2847% | 4,158 |
| Net loans and leases to deposits | 65.6948% | 4,359 |
| Net loans and leases to core deposits | 69.0060% | 4,409 |
| Total domestic deposits to total assets | 87.1983% | 2,170 |
| Equity capital to assets | 12.1412% | 1,915 |
| Core capital (leverage) ratio | 11.3839% | 2,066 |
| Tier 1 risk-based capital ratio | 26.7583% | 700 |
| Total risk-based capital ratio | 28.0281% | 681 |
| Memoranda: | ||
| Average total assets | $769,485,200 | 882 |
| Average earning assets | $748,511,800 | 821 |
| Average equity | $85,404,600 | 865 |
| Average total loans | $420,860,800 | 1,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 5,161 |
| Cost of funding earning assets | 0.0588% | 6,509 |
| Net interest margin | 3.5324% | 3,707 |
| Noninterest income to average assets | 0.9680% | 1,319 |
| Noninterest expense to average assets | 4.3824% | 515 |
| Loan and lease loss provision to assets | -0.1730% | 6,363 |
| Net operating income to assets | 0.1557% | 5,938 |
| Return on assets (ROA) | 0.3267% | 5,575 |
| Pretax return on assets | 0.4112% | 5,556 |
| Return on Equity (ROE) | 3.0094% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.0094% | 4,470 |
| Net charge-offs to loans | 0.0547% | 3,434 |
| Credit loss provision to net charge-offs | -587.7907% | 5,781 |
| Earnings coverage of net charge-offs (x) | 0.7384% | 4,325 |
| Efficiency ratio | 99.5066% | 384 |
| Assets per employee ($millions) | 6.7605% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9689% | 1,311 |
| Loan loss allowance to noncurrent loans | 80.1966% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 2,114 |
| Noncurrent loans to loans | 2.4551% | 1,204 |
| Net loans and leases to total assets | 53.1833% | 4,673 |
| Net loans and leases to deposits | 60.3959% | 4,906 |
| Net loans and leases to core deposits | 62.6899% | 4,988 |
| Total domestic deposits to total assets | 88.0577% | 1,730 |
| Equity capital to assets | 11.3367% | 2,638 |
| Core capital (leverage) ratio | 10.9710% | 2,518 |
| Tier 1 risk-based capital ratio | 25.6108% | 820 |
| Total risk-based capital ratio | 26.8764% | 806 |
| Memoranda: | ||
| Average total assets | $779,185,250 | 872 |
| Average earning assets | $757,957,250 | 807 |
| Average equity | $84,577,250 | 872 |
| Average total loans | $419,265,750 | 1,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 5,238 |
| Cost of funding earning assets | 0.0591% | 6,568 |
| Net interest margin | 3.5101% | 3,743 |
| Noninterest income to average assets | 0.9484% | 1,334 |
| Noninterest expense to average assets | 4.2947% | 552 |
| Loan and lease loss provision to assets | -0.2578% | 6,510 |
| Net operating income to assets | 0.2473% | 5,723 |
| Return on assets (ROA) | 0.4424% | 5,123 |
| Pretax return on assets | 0.5684% | 5,061 |
| Return on Equity (ROE) | 4.1358% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.1358% | 3,544 |
| Net charge-offs to loans | 0.0893% | 2,790 |
| Credit loss provision to net charge-offs | -537.7660% | 5,585 |
| Earnings coverage of net charge-offs (x) | 1.2606% | 3,853 |
| Efficiency ratio | 98.6122% | 442 |
| Assets per employee ($millions) | 6.7672% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 1,433 |
| Loan loss allowance to noncurrent loans | 76.7194% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 2,183 |
| Noncurrent loans to loans | 2.5563% | 1,212 |
| Net loans and leases to total assets | 52.3061% | 4,717 |
| Net loans and leases to deposits | 59.3767% | 4,917 |
| Net loans and leases to core deposits | 60.6812% | 5,088 |
| Total domestic deposits to total assets | 88.0920% | 1,856 |
| Equity capital to assets | 11.1995% | 2,696 |
| Core capital (leverage) ratio | 11.1878% | 2,254 |
| Tier 1 risk-based capital ratio | 25.7998% | 796 |
| Total risk-based capital ratio | 27.0653% | 775 |
| Memoranda: | ||
| Average total assets | $784,269,670 | 865 |
| Average earning assets | $761,180,330 | 806 |
| Average equity | $83,901,330 | 875 |
| Average total loans | $420,873,000 | 1,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 5,313 |
| Cost of funding earning assets | 0.0624% | 6,642 |
| Net interest margin | 3.4832% | 3,769 |
| Noninterest income to average assets | 1.0415% | 1,034 |
| Noninterest expense to average assets | 4.1748% | 621 |
| Loan and lease loss provision to assets | -0.2540% | 6,599 |
| Net operating income to assets | 0.4022% | 5,105 |
| Return on assets (ROA) | 0.5248% | 4,643 |
| Pretax return on assets | 0.6473% | 4,674 |
| Return on Equity (ROE) | 5.0223% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.0223% | 3,100 |
| Net charge-offs to loans | 0.1916% | 1,585 |
| Credit loss provision to net charge-offs | -246.3054% | 5,003 |
| Earnings coverage of net charge-offs (x) | 2.3448% | 2,897 |
| Efficiency ratio | 94.5243% | 723 |
| Assets per employee ($millions) | 6.5113% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 1,390 |
| Loan loss allowance to noncurrent loans | 78.0891% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 2,321 |
| Noncurrent loans to loans | 2.6426% | 1,291 |
| Net loans and leases to total assets | 52.4720% | 4,621 |
| Net loans and leases to deposits | 59.1616% | 4,830 |
| Net loans and leases to core deposits | 61.5288% | 4,920 |
| Total domestic deposits to total assets | 88.6926% | 1,837 |
| Equity capital to assets | 10.7419% | 2,992 |
| Core capital (leverage) ratio | 10.9680% | 2,416 |
| Tier 1 risk-based capital ratio | 24.5974% | 928 |
| Total risk-based capital ratio | 25.8628% | 907 |
| Memoranda: | ||
| Average total assets | $787,289,000 | 865 |
| Average earning assets | $762,863,500 | 812 |
| Average equity | $82,273,000 | 892 |
| Average total loans | $423,707,000 | 1,040 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 5,504 |
| Cost of funding earning assets | 0.0707% | 6,726 |
| Net interest margin | 3.4909% | 3,943 |
| Noninterest income to average assets | 0.8915% | 1,709 |
| Noninterest expense to average assets | 4.1986% | 702 |
| Loan and lease loss provision to assets | -0.3653% | 6,707 |
| Net operating income to assets | 0.3096% | 5,489 |
| Return on assets (ROA) | 1.2820% | 1,354 |
| Pretax return on assets | 1.4781% | 1,516 |
| Return on Equity (ROE) | 12.9031% | 1,185 |
| Retained earnings to average equity (ytd only) | 12.9031% | 248 |
| Net charge-offs to loans | 0.2668% | 2,364 |
| Credit loss provision to net charge-offs | -265.9574% | 6,033 |
| Earnings coverage of net charge-offs (x) | 0.6862% | 4,858 |
| Efficiency ratio | 97.8048% | 549 |
| Assets per employee ($millions) | 6.8976% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 1,206 |
| Loan loss allowance to noncurrent loans | 78.5552% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.5959% | 2,330 |
| Noncurrent loans to loans | 2.7732% | 1,281 |
| Net loans and leases to total assets | 52.8781% | 4,739 |
| Net loans and leases to deposits | 59.4277% | 4,986 |
| Net loans and leases to core deposits | 62.1128% | 5,045 |
| Total domestic deposits to total assets | 88.9790% | 1,646 |
| Equity capital to assets | 10.1628% | 3,555 |
| Core capital (leverage) ratio | 10.3225% | 3,125 |
| Tier 1 risk-based capital ratio | 23.0266% | 1,094 |
| Total risk-based capital ratio | 24.2938% | 1,069 |
| Memoranda: | ||
| Average total assets | $821,352,200 | 807 |
| Average earning assets | $800,277,800 | 754 |
| Average equity | $81,608,200 | 874 |
| Average total loans | $422,737,600 | 1,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 5,569 |
| Cost of funding earning assets | 0.0721% | 6,814 |
| Net interest margin | 3.4830% | 3,956 |
| Noninterest income to average assets | 0.7623% | 2,310 |
| Noninterest expense to average assets | 4.0748% | 791 |
| Loan and lease loss provision to assets | -0.3219% | 6,779 |
| Net operating income to assets | 0.2653% | 5,734 |
| Return on assets (ROA) | 1.6667% | 693 |
| Pretax return on assets | 1.8649% | 768 |
| Return on Equity (ROE) | 16.8664% | 553 |
| Retained earnings to average equity (ytd only) | 16.8664% | 136 |
| Net charge-offs to loans | 0.2653% | 2,227 |
| Credit loss provision to net charge-offs | -238.6635% | 5,930 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 4,637 |
| Efficiency ratio | 97.9192% | 532 |
| Assets per employee ($millions) | 6.8777% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4908% | 945 |
| Loan loss allowance to noncurrent loans | 88.6443% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6281% | 2,520 |
| Noncurrent loans to loans | 2.8099% | 1,483 |
| Net loans and leases to total assets | 53.0842% | 4,738 |
| Net loans and leases to deposits | 59.7600% | 5,001 |
| Net loans and leases to core deposits | 61.6787% | 5,150 |
| Total domestic deposits to total assets | 88.8289% | 1,651 |
| Equity capital to assets | 10.1968% | 3,651 |
| Core capital (leverage) ratio | 10.7088% | 2,780 |
| Tier 1 risk-based capital ratio | 25.5851% | 820 |
| Total risk-based capital ratio | 26.8597% | 806 |
| Memoranda: | ||
| Average total assets | $828,385,250 | 802 |
| Average earning assets | $808,432,750 | 748 |
| Average equity | $81,857,000 | 875 |
| Average total loans | $421,226,750 | 1,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 5,796 |
| Cost of funding earning assets | 0.0730% | 6,865 |
| Net interest margin | 3.3751% | 4,288 |
| Noninterest income to average assets | 0.7671% | 2,341 |
| Noninterest expense to average assets | 3.7023% | 1,246 |
| Loan and lease loss provision to assets | -0.3558% | 6,852 |
| Net operating income to assets | 0.4363% | 5,079 |
| Return on assets (ROA) | 2.4626% | 193 |
| Pretax return on assets | 2.8092% | 178 |
| Return on Equity (ROE) | 25.1706% | 120 |
| Retained earnings to average equity (ytd only) | 25.1706% | 50 |
| Net charge-offs to loans | 0.3854% | 1,676 |
| Credit loss provision to net charge-offs | -185.6436% | 5,718 |
| Earnings coverage of net charge-offs (x) | 1.8998% | 3,889 |
| Efficiency ratio | 91.0459% | 976 |
| Assets per employee ($millions) | 7.4875% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6498% | 828 |
| Loan loss allowance to noncurrent loans | 98.8925% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 2,923 |
| Noncurrent loans to loans | 2.6795% | 1,702 |
| Net loans and leases to total assets | 50.2455% | 5,086 |
| Net loans and leases to deposits | 56.1909% | 5,316 |
| Net loans and leases to core deposits | 57.8014% | 5,441 |
| Total domestic deposits to total assets | 89.4193% | 1,369 |
| Equity capital to assets | 9.9429% | 3,980 |
| Core capital (leverage) ratio | 10.1943% | 3,241 |
| Tier 1 risk-based capital ratio | 25.1240% | 860 |
| Total risk-based capital ratio | 26.4005% | 844 |
| Memoranda: | ||
| Average total assets | $843,160,330 | 791 |
| Average earning assets | $824,212,000 | 727 |
| Average equity | $82,493,000 | 871 |
| Average total loans | $419,354,330 | 1,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 5,880 |
| Cost of funding earning assets | 0.0725% | 6,949 |
| Net interest margin | 3.3554% | 4,292 |
| Noninterest income to average assets | 0.7653% | 2,273 |
| Noninterest expense to average assets | 3.2727% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5090% | 4,611 |
| Return on assets (ROA) | 0.6453% | 4,147 |
| Pretax return on assets | 0.9885% | 3,402 |
| Return on Equity (ROE) | 6.6470% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.6470% | 2,346 |
| Net charge-offs to loans | 0.4407% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6182% | 2,725 |
| Efficiency ratio | 80.7768% | 2,211 |
| Assets per employee ($millions) | 8.2338% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1066% | 592 |
| Loan loss allowance to noncurrent loans | 107.9764% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5977% | 2,872 |
| Noncurrent loans to loans | 2.8771% | 1,759 |
| Net loans and leases to total assets | 47.8424% | 5,243 |
| Net loans and leases to deposits | 53.4097% | 5,485 |
| Net loans and leases to core deposits | 54.8971% | 5,611 |
| Total domestic deposits to total assets | 89.5762% | 1,311 |
| Equity capital to assets | 9.7966% | 4,425 |
| Core capital (leverage) ratio | 8.9378% | 4,988 |
| Tier 1 risk-based capital ratio | 22.6256% | 1,217 |
| Total risk-based capital ratio | 23.9132% | 1,189 |
| Memoranda: | ||
| Average total assets | $856,672,000 | 782 |
| Average earning assets | $838,995,000 | 722 |
| Average equity | $83,165,500 | 875 |
| Average total loans | $418,414,500 | 1,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 6,436 |
| Cost of funding earning assets | 0.0862% | 7,011 |
| Net interest margin | 3.3517% | 5,064 |
| Noninterest income to average assets | 0.7606% | 2,443 |
| Noninterest expense to average assets | 2.8395% | 3,877 |
| Loan and lease loss provision to assets | 0.5657% | 1,002 |
| Net operating income to assets | 0.6326% | 4,076 |
| Return on assets (ROA) | 0.9633% | 2,724 |
| Pretax return on assets | 0.9633% | 3,689 |
| Return on Equity (ROE) | 10.9078% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.9078% | 450 |
| Net charge-offs to loans | 0.9035% | 1,259 |
| Credit loss provision to net charge-offs | 137.5138% | 2,007 |
| Earnings coverage of net charge-offs (x) | 2.9131% | 3,970 |
| Efficiency ratio | 70.3231% | 3,750 |
| Assets per employee ($millions) | 8.7401% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2219% | 538 |
| Loan loss allowance to noncurrent loans | 100.2605% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 2,705 |
| Noncurrent loans to loans | 3.2135% | 1,608 |
| Net loans and leases to total assets | 46.7613% | 5,539 |
| Net loans and leases to deposits | 52.1514% | 5,794 |
| Net loans and leases to core deposits | 52.8153% | 5,956 |
| Total domestic deposits to total assets | 89.6644% | 1,144 |
| Equity capital to assets | 9.6211% | 4,704 |
| Core capital (leverage) ratio | 8.5636% | 5,518 |
| Tier 1 risk-based capital ratio | 21.4999% | 1,362 |
| Total risk-based capital ratio | 22.8072% | 1,318 |
| Memoranda: | ||
| Average total assets | $883,932,600 | 743 |
| Average earning assets | $864,276,800 | 695 |
| Average equity | $78,063,400 | 901 |
| Average total loans | $402,450,400 | 1,036 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 6,557 |
| Cost of funding earning assets | 0.0905% | 7,123 |
| Net interest margin | 3.3661% | 5,157 |
| Noninterest income to average assets | 0.7669% | 2,396 |
| Noninterest expense to average assets | 2.6583% | 4,529 |
| Loan and lease loss provision to assets | 0.7502% | 660 |
| Net operating income to assets | 0.6512% | 4,136 |
| Return on assets (ROA) | 1.0620% | 2,460 |
| Pretax return on assets | 1.0620% | 3,494 |
| Return on Equity (ROE) | 12.2931% | 1,540 |
| Retained earnings to average equity (ytd only) | 12.2931% | 489 |
| Net charge-offs to loans | 1.1160% | 906 |
| Credit loss provision to net charge-offs | 149.8801% | 1,888 |
| Earnings coverage of net charge-offs (x) | 2.7998% | 3,918 |
| Efficiency ratio | 65.4803% | 4,541 |
| Assets per employee ($millions) | 9.8752% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2925% | 554 |
| Loan loss allowance to noncurrent loans | 180.4955% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 4,333 |
| Noncurrent loans to loans | 1.8241% | 3,042 |
| Net loans and leases to total assets | 45.0072% | 5,870 |
| Net loans and leases to deposits | 49.8972% | 6,115 |
| Net loans and leases to core deposits | 51.9818% | 6,181 |
| Total domestic deposits to total assets | 90.2000% | 730 |
| Equity capital to assets | 9.2085% | 5,585 |
| Core capital (leverage) ratio | 8.2074% | 6,136 |
| Tier 1 risk-based capital ratio | 20.6894% | 1,599 |
| Total risk-based capital ratio | 21.9869% | 1,557 |
| Memoranda: | ||
| Average total assets | $888,599,500 | 742 |
| Average earning assets | $869,267,250 | 691 |
| Average equity | $76,767,250 | 917 |
| Average total loans | $398,543,250 | 1,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 6,714 |
| Cost of funding earning assets | 0.0951% | 7,185 |
| Net interest margin | 3.3190% | 5,396 |
| Noninterest income to average assets | 0.7221% | 2,546 |
| Noninterest expense to average assets | 2.5762% | 4,859 |
| Loan and lease loss provision to assets | 0.7907% | 642 |
| Net operating income to assets | 0.6021% | 4,359 |
| Return on assets (ROA) | 0.9468% | 2,934 |
| Pretax return on assets | 0.9468% | 3,896 |
| Return on Equity (ROE) | 11.2100% | 1,914 |
| Retained earnings to average equity (ytd only) | 11.2100% | 707 |
| Net charge-offs to loans | 1.5016% | 665 |
| Credit loss provision to net charge-offs | 118.9263% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.0948% | 3,940 |
| Efficiency ratio | 64.9078% | 4,735 |
| Assets per employee ($millions) | 10.8433% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1135% | 705 |
| Loan loss allowance to noncurrent loans | 68.1539% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 2,507 |
| Noncurrent loans to loans | 4.5683% | 1,149 |
| Net loans and leases to total assets | 43.7838% | 6,037 |
| Net loans and leases to deposits | 48.2395% | 6,294 |
| Net loans and leases to core deposits | 49.5806% | 6,363 |
| Total domestic deposits to total assets | 90.7632% | 541 |
| Equity capital to assets | 8.7514% | 5,966 |
| Core capital (leverage) ratio | 7.9064% | 6,364 |
| Tier 1 risk-based capital ratio | 19.0005% | 1,967 |
| Total risk-based capital ratio | 20.2765% | 1,944 |
| Memoranda: | ||
| Average total assets | $885,252,670 | 750 |
| Average earning assets | $866,040,330 | 696 |
| Average equity | $74,772,670 | 939 |
| Average total loans | $391,983,330 | 1,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 6,822 |
| Cost of funding earning assets | 0.0996% | 7,249 |
| Net interest margin | 3.2896% | 5,506 |
| Noninterest income to average assets | 0.6757% | 2,775 |
| Noninterest expense to average assets | 2.5247% | 5,071 |
| Loan and lease loss provision to assets | 0.8202% | 591 |
| Net operating income to assets | 0.5527% | 4,577 |
| Return on assets (ROA) | 0.7204% | 4,001 |
| Pretax return on assets | 0.7204% | 4,728 |
| Return on Equity (ROE) | 8.6894% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.6894% | 1,701 |
| Net charge-offs to loans | 1.9188% | 497 |
| Credit loss provision to net charge-offs | 97.5610% | 2,411 |
| Earnings coverage of net charge-offs (x) | 1.6331% | 3,506 |
| Efficiency ratio | 64.7767% | 4,786 |
| Assets per employee ($millions) | 10.5929% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0744% | 777 |
| Loan loss allowance to noncurrent loans | 102.6031% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 3,578 |
| Noncurrent loans to loans | 2.9964% | 2,156 |
| Net loans and leases to total assets | 42.7332% | 6,121 |
| Net loans and leases to deposits | 46.7799% | 6,368 |
| Net loans and leases to core deposits | 49.1095% | 6,388 |
| Total domestic deposits to total assets | 91.3495% | 422 |
| Equity capital to assets | 8.1949% | 6,363 |
| Core capital (leverage) ratio | 7.8138% | 6,404 |
| Tier 1 risk-based capital ratio | 18.7386% | 2,069 |
| Total risk-based capital ratio | 20.0137% | 2,032 |
| Memoranda: | ||
| Average total assets | $877,881,000 | 755 |
| Average earning assets | $859,806,500 | 695 |
| Average equity | $72,778,000 | 959 |
| Average total loans | $384,617,500 | 1,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 6,956 |
| Cost of funding earning assets | 0.1211% | 7,293 |
| Net interest margin | 3.4433% | 5,357 |
| Noninterest income to average assets | 0.5712% | 3,357 |
| Noninterest expense to average assets | 2.6585% | 4,890 |
| Loan and lease loss provision to assets | 0.9344% | 1,029 |
| Net operating income to assets | 0.3350% | 5,126 |
| Return on assets (ROA) | 0.7677% | 3,346 |
| Pretax return on assets | 0.7677% | 4,090 |
| Return on Equity (ROE) | 10.0151% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.0151% | 567 |
| Net charge-offs to loans | 1.2586% | 1,323 |
| Credit loss provision to net charge-offs | 182.4730% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.4790% | 3,974 |
| Efficiency ratio | 67.6829% | 4,427 |
| Assets per employee ($millions) | 10.9615% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2117% | 674 |
| Loan loss allowance to noncurrent loans | 78.6410% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 2,965 |
| Noncurrent loans to loans | 4.0840% | 1,524 |
| Net loans and leases to total assets | 42.1298% | 6,375 |
| Net loans and leases to deposits | 46.2521% | 6,613 |
| Net loans and leases to core deposits | 47.5502% | 6,664 |
| Total domestic deposits to total assets | 91.0873% | 474 |
| Equity capital to assets | 8.3881% | 6,261 |
| Core capital (leverage) ratio | 7.7299% | 6,515 |
| Tier 1 risk-based capital ratio | 19.0482% | 1,879 |
| Total risk-based capital ratio | 20.3250% | 1,835 |
| Memoranda: | ||
| Average total assets | $813,384,200 | 805 |
| Average earning assets | $792,932,400 | 745 |
| Average equity | $62,345,800 | 1,082 |
| Average total loans | $330,930,600 | 1,284 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 7,011 |
| Cost of funding earning assets | 0.1243% | 7,373 |
| Net interest margin | 3.4839% | 5,250 |
| Noninterest income to average assets | 0.5490% | 3,519 |
| Noninterest expense to average assets | 2.8352% | 4,213 |
| Loan and lease loss provision to assets | 0.8497% | 1,076 |
| Net operating income to assets | 0.2589% | 5,540 |
| Return on assets (ROA) | 0.6874% | 3,855 |
| Pretax return on assets | 0.6874% | 4,528 |
| Return on Equity (ROE) | 9.2035% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.2035% | 1,076 |
| Net charge-offs to loans | 1.5669% | 907 |
| Credit loss provision to net charge-offs | 135.8551% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.7725% | 4,328 |
| Efficiency ratio | 71.8897% | 3,571 |
| Assets per employee ($millions) | 10.6082% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8961% | 935 |
| Loan loss allowance to noncurrent loans | 79.4055% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 3,430 |
| Noncurrent loans to loans | 3.6472% | 1,883 |
| Net loans and leases to total assets | 40.5909% | 6,589 |
| Net loans and leases to deposits | 44.6215% | 6,805 |
| Net loans and leases to core deposits | 47.2816% | 6,791 |
| Total domestic deposits to total assets | 90.9671% | 443 |
| Equity capital to assets | 8.4712% | 6,323 |
| Core capital (leverage) ratio | 7.7267% | 6,614 |
| Tier 1 risk-based capital ratio | 20.9211% | 1,469 |
| Total risk-based capital ratio | 22.1954% | 1,442 |
| Memoranda: | ||
| Average total assets | $800,240,250 | 829 |
| Average earning assets | $779,787,000 | 766 |
| Average equity | $59,772,750 | 1,133 |
| Average total loans | $319,430,000 | 1,347 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 7,096 |
| Cost of funding earning assets | 0.1266% | 7,448 |
| Net interest margin | 3.4792% | 5,254 |
| Noninterest income to average assets | 0.5273% | 3,647 |
| Noninterest expense to average assets | 2.7357% | 4,675 |
| Loan and lease loss provision to assets | 0.8089% | 1,135 |
| Net operating income to assets | 0.3736% | 5,065 |
| Return on assets (ROA) | 0.6246% | 4,066 |
| Pretax return on assets | 0.6246% | 4,661 |
| Return on Equity (ROE) | 8.7729% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.7729% | 1,183 |
| Net charge-offs to loans | 1.6657% | 871 |
| Credit loss provision to net charge-offs | 123.6954% | 2,462 |
| Earnings coverage of net charge-offs (x) | 1.8083% | 3,960 |
| Efficiency ratio | 69.8194% | 4,148 |
| Assets per employee ($millions) | 11.4729% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8728% | 1,012 |
| Loan loss allowance to noncurrent loans | 71.4649% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9972% | 3,239 |
| Noncurrent loans to loans | 4.0199% | 1,722 |
| Net loans and leases to total assets | 38.5336% | 6,835 |
| Net loans and leases to deposits | 42.0595% | 6,990 |
| Net loans and leases to core deposits | 44.6347% | 6,991 |
| Total domestic deposits to total assets | 91.6167% | 321 |
| Equity capital to assets | 7.8771% | 6,756 |
| Core capital (leverage) ratio | 7.6305% | 6,644 |
| Tier 1 risk-based capital ratio | 20.2365% | 1,564 |
| Total risk-based capital ratio | 21.5073% | 1,534 |
| Memoranda: | ||
| Average total assets | $791,174,000 | 845 |
| Average earning assets | $771,086,000 | 781 |
| Average equity | $56,332,330 | 1,188 |
| Average total loans | $310,612,670 | 1,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 7,175 |
| Cost of funding earning assets | 0.1287% | 7,511 |
| Net interest margin | 3.4258% | 5,320 |
| Noninterest income to average assets | 0.4290% | 4,461 |
| Noninterest expense to average assets | 2.7701% | 4,564 |
| Loan and lease loss provision to assets | 0.6671% | 1,282 |
| Net operating income to assets | 0.3259% | 5,289 |
| Return on assets (ROA) | 0.4875% | 4,621 |
| Pretax return on assets | 0.4875% | 5,068 |
| Return on Equity (ROE) | 7.2497% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.2497% | 2,045 |
| Net charge-offs to loans | 1.6955% | 780 |
| Credit loss provision to net charge-offs | 100.7752% | 2,620 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,583 |
| Efficiency ratio | 73.6124% | 3,591 |
| Assets per employee ($millions) | 11.8396% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7345% | 1,175 |
| Loan loss allowance to noncurrent loans | 58.9942% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.3981% | 2,840 |
| Noncurrent loans to loans | 4.6352% | 1,497 |
| Net loans and leases to total assets | 38.3531% | 6,882 |
| Net loans and leases to deposits | 41.4296% | 7,044 |
| Net loans and leases to core deposits | 43.5979% | 7,050 |
| Total domestic deposits to total assets | 92.5741% | 174 |
| Equity capital to assets | 6.9072% | 7,114 |
| Core capital (leverage) ratio | 8.0237% | 6,228 |
| Tier 1 risk-based capital ratio | 20.1412% | 1,563 |
| Total risk-based capital ratio | 21.4104% | 1,522 |
| Memoranda: | ||
| Average total assets | $779,474,500 | 866 |
| Average earning assets | $758,602,000 | 805 |
| Average equity | $52,416,000 | 1,274 |
| Average total loans | $304,335,000 | 1,435 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 7,419 |
| Cost of funding earning assets | 0.1846% | 7,557 |
| Net interest margin | 3.1969% | 6,277 |
| Noninterest income to average assets | 0.4351% | 4,637 |
| Noninterest expense to average assets | 2.4912% | 5,833 |
| Loan and lease loss provision to assets | 1.0814% | 1,481 |
| Net operating income to assets | -0.0358% | 5,905 |
| Return on assets (ROA) | 1.2747% | 1,299 |
| Pretax return on assets | 1.2747% | 1,999 |
| Return on Equity (ROE) | 18.4862% | 345 |
| Retained earnings to average equity (ytd only) | 18.4862% | 70 |
| Net charge-offs to loans | 2.7152% | 666 |
| Credit loss provision to net charge-offs | 107.5403% | 4,126 |
| Earnings coverage of net charge-offs (x) | 1.0398% | 5,073 |
| Efficiency ratio | 70.4361% | 4,080 |
| Assets per employee ($millions) | 11.0861% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9776% | 889 |
| Loan loss allowance to noncurrent loans | 51.0149% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.1923% | 2,219 |
| Noncurrent loans to loans | 5.8367% | 1,088 |
| Net loans and leases to total assets | 37.4793% | 7,096 |
| Net loans and leases to deposits | 40.3518% | 7,242 |
| Net loans and leases to core deposits | 43.4342% | 7,219 |
| Total domestic deposits to total assets | 92.8813% | 149 |
| Equity capital to assets | 6.5295% | 7,250 |
| Core capital (leverage) ratio | 7.1061% | 6,969 |
| Tier 1 risk-based capital ratio | 18.9922% | 1,723 |
| Total risk-based capital ratio | 20.2635% | 1,685 |
| Memoranda: | ||
| Average total assets | $734,576,800 | 915 |
| Average earning assets | $712,713,400 | 860 |
| Average equity | $50,654,000 | 1,313 |
| Average total loans | $272,058,600 | 1,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 7,570 |
| Cost of funding earning assets | 0.1988% | 7,676 |
| Net interest margin | 3.1583% | 6,458 |
| Noninterest income to average assets | 0.3906% | 5,036 |
| Noninterest expense to average assets | 2.3991% | 6,038 |
| Loan and lease loss provision to assets | 1.0045% | 1,477 |
| Net operating income to assets | 0.0495% | 5,883 |
| Return on assets (ROA) | 1.6010% | 814 |
| Pretax return on assets | 1.6010% | 1,343 |
| Return on Equity (ROE) | 22.9040% | 163 |
| Retained earnings to average equity (ytd only) | 22.9040% | 48 |
| Net charge-offs to loans | 2.8131% | 578 |
| Credit loss provision to net charge-offs | 97.4996% | 4,452 |
| Earnings coverage of net charge-offs (x) | 1.0231% | 5,035 |
| Efficiency ratio | 69.4762% | 4,179 |
| Assets per employee ($millions) | 12.6993% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8995% | 907 |
| Loan loss allowance to noncurrent loans | 51.5152% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.9091% | 2,494 |
| Noncurrent loans to loans | 5.6285% | 1,164 |
| Net loans and leases to total assets | 34.4670% | 7,328 |
| Net loans and leases to deposits | 37.5594% | 7,433 |
| Net loans and leases to core deposits | 41.6504% | 7,388 |
| Total domestic deposits to total assets | 91.7666% | 234 |
| Equity capital to assets | 7.6869% | 7,008 |
| Core capital (leverage) ratio | 7.1641% | 7,080 |
| Tier 1 risk-based capital ratio | 18.1878% | 1,971 |
| Total risk-based capital ratio | 19.4548% | 1,922 |
| Memoranda: | ||
| Average total assets | $729,757,000 | 925 |
| Average earning assets | $707,624,750 | 871 |
| Average equity | $51,011,750 | 1,314 |
| Average total loans | $267,270,500 | 1,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 7,643 |
| Cost of funding earning assets | 0.2057% | 7,745 |
| Net interest margin | 3.1761% | 6,388 |
| Noninterest income to average assets | 0.4015% | 4,903 |
| Noninterest expense to average assets | 2.3820% | 6,113 |
| Loan and lease loss provision to assets | 1.0325% | 1,411 |
| Net operating income to assets | 0.0638% | 5,961 |
| Return on assets (ROA) | 0.6178% | 3,929 |
| Pretax return on assets | 0.6178% | 4,516 |
| Return on Equity (ROE) | 9.1682% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.1682% | 1,059 |
| Net charge-offs to loans | 3.4084% | 438 |
| Credit loss provision to net charge-offs | 81.8000% | 4,657 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 4,896 |
| Efficiency ratio | 68.4820% | 4,481 |
| Assets per employee ($millions) | 11.6677% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7650% | 1,026 |
| Loan loss allowance to noncurrent loans | 36.0219% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.6208% | 1,936 |
| Noncurrent loans to loans | 7.6757% | 693 |
| Net loans and leases to total assets | 36.0353% | 7,346 |
| Net loans and leases to deposits | 38.9901% | 7,465 |
| Net loans and leases to core deposits | 42.7345% | 7,434 |
| Total domestic deposits to total assets | 92.4217% | 161 |
| Equity capital to assets | 7.0051% | 7,349 |
| Core capital (leverage) ratio | 6.6316% | 7,339 |
| Tier 1 risk-based capital ratio | 16.5004% | 2,469 |
| Total risk-based capital ratio | 17.7655% | 2,414 |
| Memoranda: | ||
| Average total assets | $714,789,330 | 941 |
| Average earning assets | $692,421,330 | 896 |
| Average equity | $48,166,670 | 1,391 |
| Average total loans | $264,702,330 | 1,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 7,718 |
| Cost of funding earning assets | 0.2066% | 7,852 |
| Net interest margin | 3.2504% | 6,129 |
| Noninterest income to average assets | 0.3797% | 5,097 |
| Noninterest expense to average assets | 2.4151% | 6,034 |
| Loan and lease loss provision to assets | 1.1727% | 1,042 |
| Net operating income to assets | -0.0625% | 6,387 |
| Return on assets (ROA) | 0.3038% | 5,412 |
| Pretax return on assets | 0.3038% | 5,588 |
| Return on Equity (ROE) | 4.5983% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.5983% | 3,385 |
| Net charge-offs to loans | 3.2764% | 452 |
| Credit loss provision to net charge-offs | 96.6851% | 3,511 |
| Earnings coverage of net charge-offs (x) | 0.9153% | 4,225 |
| Efficiency ratio | 68.5094% | 4,627 |
| Assets per employee ($millions) | 11.9399% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0372% | 795 |
| Loan loss allowance to noncurrent loans | 36.7786% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 3.7976% | 1,830 |
| Noncurrent loans to loans | 8.2581% | 639 |
| Net loans and leases to total assets | 35.2507% | 7,452 |
| Net loans and leases to deposits | 37.9512% | 7,581 |
| Net loans and leases to core deposits | 43.2684% | 7,500 |
| Total domestic deposits to total assets | 92.8843% | 132 |
| Equity capital to assets | 6.5524% | 7,515 |
| Core capital (leverage) ratio | 6.2609% | 7,539 |
| Tier 1 risk-based capital ratio | 15.4743% | 2,884 |
| Total risk-based capital ratio | 16.7418% | 2,823 |
| Memoranda: | ||
| Average total assets | $716,320,500 | 960 |
| Average earning assets | $693,201,000 | 907 |
| Average equity | $47,321,500 | 1,422 |
| Average total loans | $265,170,500 | 1,773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 7,772 |
| Cost of funding earning assets | 0.2746% | 7,915 |
| Net interest margin | 3.4841% | 5,024 |
| Noninterest income to average assets | 0.2311% | 6,460 |
| Noninterest expense to average assets | 2.5170% | 6,068 |
| Loan and lease loss provision to assets | 1.1147% | 2,054 |
| Net operating income to assets | -0.0244% | 5,539 |
| Return on assets (ROA) | 0.3117% | 4,580 |
| Pretax return on assets | 0.3117% | 4,729 |
| Return on Equity (ROE) | 4.6546% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.6546% | 1,999 |
| Net charge-offs to loans | 3.9218% | 430 |
| Credit loss provision to net charge-offs | 71.4761% | 6,462 |
| Earnings coverage of net charge-offs (x) | 0.6991% | 5,401 |
| Efficiency ratio | 69.7754% | 4,672 |
| Assets per employee ($millions) | 12.1433% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0555% | 737 |
| Loan loss allowance to noncurrent loans | 35.5721% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 4.1159% | 1,596 |
| Noncurrent loans to loans | 8.5895% | 557 |
| Net loans and leases to total assets | 36.5525% | 7,500 |
| Net loans and leases to deposits | 39.4192% | 7,639 |
| Net loans and leases to core deposits | 47.2055% | 7,646 |
| Total domestic deposits to total assets | 92.7276% | 156 |
| Equity capital to assets | 6.6618% | 7,514 |
| Core capital (leverage) ratio | 6.3800% | 7,532 |
| Tier 1 risk-based capital ratio | 16.0294% | 2,510 |
| Total risk-based capital ratio | 17.2987% | 2,428 |
| Memoranda: | ||
| Average total assets | $675,047,200 | 1,020 |
| Average earning assets | $654,149,200 | 950 |
| Average equity | $45,202,400 | 1,485 |
| Average total loans | $268,447,600 | 1,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 7,860 |
| Cost of funding earning assets | 0.2938% | 8,008 |
| Net interest margin | 3.5251% | 4,763 |
| Noninterest income to average assets | 0.4311% | 5,031 |
| Noninterest expense to average assets | 2.4396% | 6,279 |
| Loan and lease loss provision to assets | 1.1831% | 1,642 |
| Net operating income to assets | 0.2270% | 5,065 |
| Return on assets (ROA) | 0.4561% | 4,282 |
| Pretax return on assets | 0.4561% | 4,652 |
| Return on Equity (ROE) | 6.8016% | 3,164 |
| Retained earnings to average equity (ytd only) | 6.8016% | 1,588 |
| Net charge-offs to loans | 4.5734% | 272 |
| Credit loss provision to net charge-offs | 64.1720% | 6,102 |
| Earnings coverage of net charge-offs (x) | 0.7649% | 5,280 |
| Efficiency ratio | 63.3714% | 5,865 |
| Assets per employee ($millions) | 12.2149% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9975% | 670 |
| Loan loss allowance to noncurrent loans | 32.9995% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 4.6437% | 1,297 |
| Noncurrent loans to loans | 9.0836% | 490 |
| Net loans and leases to total assets | 36.2950% | 7,610 |
| Net loans and leases to deposits | 39.2486% | 7,757 |
| Net loans and leases to core deposits | 48.3076% | 7,720 |
| Total domestic deposits to total assets | 92.4744% | 121 |
| Equity capital to assets | 6.8747% | 7,652 |
| Core capital (leverage) ratio | 7.0096% | 7,429 |
| Tier 1 risk-based capital ratio | 16.3380% | 2,501 |
| Total risk-based capital ratio | 17.6063% | 2,433 |
| Memoranda: | ||
| Average total assets | $667,731,500 | 1,045 |
| Average earning assets | $647,561,250 | 975 |
| Average equity | $44,773,000 | 1,517 |
| Average total loans | $269,170,250 | 1,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 7,947 |
| Cost of funding earning assets | 0.3241% | 8,094 |
| Net interest margin | 3.5627% | 4,528 |
| Noninterest income to average assets | 0.4245% | 5,084 |
| Noninterest expense to average assets | 2.4244% | 6,389 |
| Loan and lease loss provision to assets | 1.1926% | 1,443 |
| Net operating income to assets | 0.2613% | 5,044 |
| Return on assets (ROA) | 0.4217% | 4,523 |
| Pretax return on assets | 0.4217% | 4,869 |
| Return on Equity (ROE) | 6.3463% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.3463% | 1,865 |
| Net charge-offs to loans | 4.8203% | 260 |
| Credit loss provision to net charge-offs | 59.8597% | 5,594 |
| Earnings coverage of net charge-offs (x) | 0.7298% | 4,992 |
| Efficiency ratio | 62.5118% | 6,164 |
| Assets per employee ($millions) | 11.0880% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1762% | 492 |
| Loan loss allowance to noncurrent loans | 35.9625% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 4.9885% | 1,069 |
| Noncurrent loans to loans | 8.8321% | 457 |
| Net loans and leases to total assets | 40.2196% | 7,538 |
| Net loans and leases to deposits | 43.5110% | 7,717 |
| Net loans and leases to core deposits | 53.7435% | 7,661 |
| Total domestic deposits to total assets | 92.4353% | 152 |
| Equity capital to assets | 6.8689% | 7,675 |
| Core capital (leverage) ratio | 6.9100% | 7,594 |
| Tier 1 risk-based capital ratio | 16.6564% | 2,406 |
| Total risk-based capital ratio | 17.9223% | 2,350 |
| Memoranda: | ||
| Average total assets | $658,225,000 | 1,084 |
| Average earning assets | $638,104,670 | 1,010 |
| Average equity | $43,742,330 | 1,557 |
| Average total loans | $272,056,000 | 1,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 8,037 |
| Cost of funding earning assets | 0.3771% | 8,144 |
| Net interest margin | 3.4350% | 4,992 |
| Noninterest income to average assets | 0.4434% | 4,848 |
| Noninterest expense to average assets | 2.2782% | 6,607 |
| Loan and lease loss provision to assets | 1.4569% | 866 |
| Net operating income to assets | 0.0409% | 6,156 |
| Return on assets (ROA) | 0.2788% | 5,543 |
| Pretax return on assets | 0.2788% | 5,736 |
| Return on Equity (ROE) | 4.2641% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.2641% | 3,536 |
| Net charge-offs to loans | 4.3728% | 264 |
| Credit loss provision to net charge-offs | 80.8064% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.8307% | 4,362 |
| Efficiency ratio | 60.3341% | 6,345 |
| Assets per employee ($millions) | 11.5319% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9186% | 236 |
| Loan loss allowance to noncurrent loans | 40.4490% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 4.8960% | 939 |
| Noncurrent loans to loans | 9.6878% | 314 |
| Net loans and leases to total assets | 37.3541% | 7,680 |
| Net loans and leases to deposits | 40.1664% | 7,837 |
| Net loans and leases to core deposits | 50.9141% | 7,757 |
| Total domestic deposits to total assets | 92.9982% | 86 |
| Equity capital to assets | 6.3132% | 7,930 |
| Core capital (leverage) ratio | 6.6357% | 7,826 |
| Tier 1 risk-based capital ratio | 15.5983% | 2,816 |
| Total risk-based capital ratio | 16.8784% | 2,742 |
| Memoranda: | ||
| Average total assets | $665,785,000 | 1,065 |
| Average earning assets | $645,946,500 | 995 |
| Average equity | $43,526,500 | 1,567 |
| Average total loans | $274,514,500 | 1,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 7,893 |
| Cost of funding earning assets | 1.1371% | 7,984 |
| Net interest margin | 3.7775% | 4,112 |
| Noninterest income to average assets | 0.4161% | 5,336 |
| Noninterest expense to average assets | 2.3700% | 6,501 |
| Loan and lease loss provision to assets | 1.5872% | 831 |
| Net operating income to assets | 0.1126% | 6,073 |
| Return on assets (ROA) | 0.0362% | 6,127 |
| Pretax return on assets | 0.0362% | 6,086 |
| Return on Equity (ROE) | 0.5366% | 6,058 |
| Retained earnings to average equity (ytd only) | -4.3637% | 6,392 |
| Net charge-offs to loans | 1.4795% | 781 |
| Credit loss provision to net charge-offs | 218.9781% | 2,192 |
| Earnings coverage of net charge-offs (x) | 2.3451% | 4,912 |
| Efficiency ratio | 58.2345% | 6,655 |
| Assets per employee ($millions) | 11.4225% | 186 |
| Cash dividends to net income (ytd only)* | 913.2420% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9696% | 192 |
| Loan loss allowance to noncurrent loans | 49.4968% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 4.6328% | 794 |
| Noncurrent loans to loans | 8.0198% | 335 |
| Net loans and leases to total assets | 42.0404% | 7,583 |
| Net loans and leases to deposits | 45.4717% | 7,801 |
| Net loans and leases to core deposits | 57.2032% | 7,701 |
| Total domestic deposits to total assets | 92.4539% | 89 |
| Equity capital to assets | 6.7803% | 7,838 |
| Core capital (leverage) ratio | 6.9134% | 7,749 |
| Tier 1 risk-based capital ratio | 15.8967% | 2,706 |
| Total risk-based capital ratio | 17.1804% | 2,634 |
| Memoranda: | ||
| Average total assets | $604,853,000 | 1,119 |
| Average earning assets | $585,016,200 | 1,057 |
| Average equity | $40,814,200 | 1,642 |
| Average total loans | $296,324,400 | 1,629 |