Home > INSOUTH Bank > Performance and Condition Ratios
INSOUTH Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 576 |
| Cost of funding earning assets | 1.4918% | 1,967 |
| Net interest margin | 4.5830% | 541 |
| Noninterest income to average assets | 1.8200% | 299 |
| Noninterest expense to average assets | 3.7039% | 465 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.4218% | 1,178 |
| Return on assets (ROA) | 1.4218% | 1,150 |
| Pretax return on assets | 1.9898% | 687 |
| Return on Equity (ROE) | 18.3300% | 777 |
| Retained earnings to average equity (ytd only) | 10.9354% | 805 |
| Net charge-offs to loans | 0.0851% | 1,009 |
| Credit loss provision to net charge-offs | 486.4198% | 690 |
| Earnings coverage of net charge-offs (x) | 34.8488% | 1,532 |
| Efficiency ratio | 61.5626% | 2,897 |
| Assets per employee ($millions) | 4.9297% | 3,689 |
| Cash dividends to net income (ytd only)* | 40.3342% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,244 |
| Loan loss allowance to noncurrent loans | 71.7883% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 233 |
| Noncurrent loans to loans | 2.0022% | 278 |
| Net loans and leases to total assets | 76.9600% | 977 |
| Net loans and leases to deposits | 84.6071% | 1,728 |
| Net loans and leases to core deposits | 91.1447% | 1,973 |
| Total domestic deposits to total assets | 90.9600% | 514 |
| Equity capital to assets | 7.9790% | 3,434 |
| Core capital (leverage) ratio | 9.2211% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $488,241,600 | 1,752 |
| Average earning assets | $447,323,400 | 1,757 |
| Average equity | $37,877,000 | 1,946 |
| Average total loans | $380,810,200 | 1,519 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 557 |
| Cost of funding earning assets | 1.3705% | 1,946 |
| Net interest margin | 4.5889% | 540 |
| Noninterest income to average assets | 2.1700% | 262 |
| Noninterest expense to average assets | 3.6407% | 469 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.7378% | 748 |
| Return on assets (ROA) | 1.7378% | 732 |
| Pretax return on assets | 2.4181% | 417 |
| Return on Equity (ROE) | 22.5600% | 517 |
| Retained earnings to average equity (ytd only) | 15.0812% | 544 |
| Net charge-offs to loans | 0.1042% | 760 |
| Credit loss provision to net charge-offs | 390.5405% | 732 |
| Earnings coverage of net charge-offs (x) | 33.6723% | 1,534 |
| Efficiency ratio | 57.0998% | 3,302 |
| Assets per employee ($millions) | 4.7219% | 3,791 |
| Cash dividends to net income (ytd only)* | 33.1649% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 1,637 |
| Loan loss allowance to noncurrent loans | 108.7712% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 522 |
| Noncurrent loans to loans | 1.2448% | 622 |
| Net loans and leases to total assets | 77.0900% | 984 |
| Net loans and leases to deposits | 84.6622% | 1,681 |
| Net loans and leases to core deposits | 90.8334% | 1,866 |
| Total domestic deposits to total assets | 91.0600% | 657 |
| Equity capital to assets | 7.7251% | 3,227 |
| Core capital (leverage) ratio | 9.3859% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $485,826,000 | 1,761 |
| Average earning assets | $445,291,500 | 1,765 |
| Average equity | $37,414,250 | 1,951 |
| Average total loans | $378,821,500 | 1,524 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 516 |
| Cost of funding earning assets | 1.2032% | 1,983 |
| Net interest margin | 4.6729% | 479 |
| Noninterest income to average assets | 2.7300% | 188 |
| Noninterest expense to average assets | 3.6321% | 467 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.4066% | 268 |
| Return on assets (ROA) | 2.4066% | 264 |
| Pretax return on assets | 3.3251% | 167 |
| Return on Equity (ROE) | 31.2800% | 194 |
| Retained earnings to average equity (ytd only) | 23.7646% | 147 |
| Net charge-offs to loans | 0.1193% | 610 |
| Credit loss provision to net charge-offs | 70.6667% | 1,589 |
| Earnings coverage of net charge-offs (x) | 36.4756% | 1,456 |
| Efficiency ratio | 51.7178% | 3,793 |
| Assets per employee ($millions) | 4.7933% | 3,755 |
| Cash dividends to net income (ytd only)* | 24.0343% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,876 |
| Loan loss allowance to noncurrent loans | 402.0716% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,029 |
| Noncurrent loans to loans | 0.2775% | 2,157 |
| Net loans and leases to total assets | 77.4100% | 898 |
| Net loans and leases to deposits | 85.3649% | 1,554 |
| Net loans and leases to core deposits | 91.6334% | 1,707 |
| Total domestic deposits to total assets | 90.6800% | 734 |
| Equity capital to assets | 8.1135% | 3,147 |
| Core capital (leverage) ratio | 9.4807% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $484,076,667 | 1,764 |
| Average earning assets | $444,473,333 | 1,772 |
| Average equity | $37,240,333 | 1,971 |
| Average total loans | $377,174,000 | 1,518 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 443 |
| Cost of funding earning assets | 1.0056% | 2,029 |
| Net interest margin | 4.7508% | 410 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 3.6092% | 481 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0896% | 2,264 |
| Return on assets (ROA) | 1.0896% | 2,228 |
| Pretax return on assets | 1.5430% | 1,584 |
| Return on Equity (ROE) | 14.5700% | 1,651 |
| Retained earnings to average equity (ytd only) | 6.7950% | 2,551 |
| Net charge-offs to loans | 0.0118% | 1,510 |
| Credit loss provision to net charge-offs | 709.0909% | 451 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 547 |
| Efficiency ratio | 69.1818% | 1,836 |
| Assets per employee ($millions) | 4.8126% | 3,786 |
| Cash dividends to net income (ytd only)* | 53.3537% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,640 |
| Loan loss allowance to noncurrent loans | 499.7730% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,256 |
| Noncurrent loans to loans | 0.2371% | 2,314 |
| Net loans and leases to total assets | 74.7900% | 1,104 |
| Net loans and leases to deposits | 81.6430% | 1,686 |
| Net loans and leases to core deposits | 86.7052% | 1,824 |
| Total domestic deposits to total assets | 91.6100% | 620 |
| Equity capital to assets | 7.4739% | 3,578 |
| Core capital (leverage) ratio | 8.8583% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8120% | 2,780 |
| Memoranda: | ||
| Average total assets | $481,658,500 | 1,788 |
| Average earning assets | $444,722,500 | 1,790 |
| Average equity | $36,026,500 | 2,044 |
| Average total loans | $374,398,500 | 1,546 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 580 |
| Cost of funding earning assets | 0.2728% | 3,125 |
| Net interest margin | 4.3589% | 375 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 3.4770% | 501 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3341% | 1,330 |
| Return on assets (ROA) | 1.3341% | 1,289 |
| Pretax return on assets | 1.3747% | 1,843 |
| Return on Equity (ROE) | 17.3100% | 810 |
| Retained earnings to average equity (ytd only) | 9.4537% | 1,331 |
| Net charge-offs to loans | -0.0306% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5366% | 1,618 |
| Assets per employee ($millions) | 4.6317% | 3,952 |
| Cash dividends to net income (ytd only)* | 45.3956% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,646 |
| Loan loss allowance to noncurrent loans | 286.9623% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,580 |
| Noncurrent loans to loans | 0.4005% | 1,723 |
| Net loans and leases to total assets | 78.9400% | 702 |
| Net loans and leases to deposits | 87.0663% | 1,243 |
| Net loans and leases to core deposits | 90.3636% | 1,484 |
| Total domestic deposits to total assets | 90.6600% | 1,078 |
| Equity capital to assets | 7.4857% | 3,395 |
| Core capital (leverage) ratio | 8.8518% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7290% | 2,807 |
| Memoranda: | ||
| Average total assets | $462,346,200 | 1,827 |
| Average earning assets | $427,745,800 | 1,826 |
| Average equity | $35,626,400 | 2,083 |
| Average total loans | $352,910,200 | 1,536 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 631 |
| Cost of funding earning assets | 0.1803% | 3,513 |
| Net interest margin | 4.1829% | 438 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 3.3131% | 586 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3709% | 1,170 |
| Return on assets (ROA) | 1.3709% | 1,140 |
| Pretax return on assets | 1.4336% | 1,619 |
| Return on Equity (ROE) | 17.6600% | 690 |
| Retained earnings to average equity (ytd only) | 12.4321% | 709 |
| Net charge-offs to loans | -0.0438% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0476% | 1,883 |
| Assets per employee ($millions) | 4.6875% | 3,916 |
| Cash dividends to net income (ytd only)* | 29.6108% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 2,953 |
| Loan loss allowance to noncurrent loans | 272.6737% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 1,643 |
| Noncurrent loans to loans | 0.4083% | 1,798 |
| Net loans and leases to total assets | 78.8400% | 632 |
| Net loans and leases to deposits | 89.0627% | 959 |
| Net loans and leases to core deposits | 91.9976% | 1,178 |
| Total domestic deposits to total assets | 88.5200% | 2,271 |
| Equity capital to assets | 7.3913% | 3,274 |
| Core capital (leverage) ratio | 8.9917% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7960% | 2,873 |
| Memoranda: | ||
| Average total assets | $459,824,250 | 1,836 |
| Average earning assets | $425,945,750 | 1,841 |
| Average equity | $35,691,750 | 2,113 |
| Average total loans | $346,824,500 | 1,550 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 797 |
| Cost of funding earning assets | 0.1327% | 3,807 |
| Net interest margin | 3.9514% | 555 |
| Noninterest income to average assets | 0.8725% | 900 |
| Noninterest expense to average assets | 3.3035% | 548 |
| Loan and lease loss provision to assets | 0.0503% | 1,678 |
| Net operating income to assets | 1.1702% | 1,535 |
| Return on assets (ROA) | 1.1702% | 1,513 |
| Pretax return on assets | 1.1816% | 2,132 |
| Return on Equity (ROE) | 14.8335% | 931 |
| Retained earnings to average equity (ytd only) | 7.0644% | 1,967 |
| Net charge-offs to loans | -0.0716% | 4,357 |
| Credit loss provision to net charge-offs | -95.0413% | 3,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8378% | 1,648 |
| Assets per employee ($millions) | 4.8657% | 3,799 |
| Cash dividends to net income (ytd only)* | 52.3756% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,757 |
| Loan loss allowance to noncurrent loans | 292.1708% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 1,801 |
| Noncurrent loans to loans | 0.4060% | 1,911 |
| Net loans and leases to total assets | 73.2035% | 984 |
| Net loans and leases to deposits | 79.8355% | 1,401 |
| Net loans and leases to core deposits | 82.7144% | 1,542 |
| Total domestic deposits to total assets | 91.6929% | 967 |
| Equity capital to assets | 7.3534% | 3,561 |
| Core capital (leverage) ratio | 8.6884% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,848,000 | 1,853 |
| Average earning assets | $423,497,667 | 1,867 |
| Average equity | $36,040,000 | 2,154 |
| Average total loans | $337,863,667 | 1,572 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 715 |
| Cost of funding earning assets | 0.1392% | 3,644 |
| Net interest margin | 3.8996% | 503 |
| Noninterest income to average assets | 0.8616% | 910 |
| Noninterest expense to average assets | 3.3286% | 514 |
| Loan and lease loss provision to assets | 0.0540% | 1,415 |
| Net operating income to assets | 1.0192% | 1,795 |
| Return on assets (ROA) | 1.0192% | 1,786 |
| Pretax return on assets | 1.0998% | 2,143 |
| Return on Equity (ROE) | 12.4817% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.8907% | 2,633 |
| Net charge-offs to loans | -0.1714% | 4,574 |
| Credit loss provision to net charge-offs | -42.6573% | 2,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2592% | 1,714 |
| Assets per employee ($millions) | 4.7795% | 3,940 |
| Cash dividends to net income (ytd only)* | 60.8167% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,861 |
| Loan loss allowance to noncurrent loans | 152.4326% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 1,014 |
| Noncurrent loans to loans | 0.7872% | 1,206 |
| Net loans and leases to total assets | 73.0874% | 727 |
| Net loans and leases to deposits | 80.2316% | 1,132 |
| Net loans and leases to core deposits | 83.2127% | 1,284 |
| Total domestic deposits to total assets | 91.0955% | 986 |
| Equity capital to assets | 7.7566% | 3,763 |
| Core capital (leverage) ratio | 8.5129% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,719,000 | 1,875 |
| Average earning assets | $419,426,500 | 1,887 |
| Average equity | $36,886,000 | 2,184 |
| Average total loans | $333,774,000 | 1,579 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 556 |
| Cost of funding earning assets | 0.1772% | 3,692 |
| Net interest margin | 4.3701% | 353 |
| Noninterest income to average assets | 1.2888% | 641 |
| Noninterest expense to average assets | 3.5232% | 458 |
| Loan and lease loss provision to assets | 0.1001% | 1,248 |
| Net operating income to assets | 1.3366% | 1,488 |
| Return on assets (ROA) | 1.3370% | 1,525 |
| Pretax return on assets | 1.7363% | 1,056 |
| Return on Equity (ROE) | 14.7617% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.3237% | 1,797 |
| Net charge-offs to loans | -0.1275% | 4,635 |
| Credit loss provision to net charge-offs | -102.4631% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7419% | 2,297 |
| Assets per employee ($millions) | 4.7807% | 3,905 |
| Cash dividends to net income (ytd only)* | 50.3869% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,980 |
| Loan loss allowance to noncurrent loans | 182.5000% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 1,261 |
| Noncurrent loans to loans | 0.6461% | 1,542 |
| Net loans and leases to total assets | 72.9315% | 760 |
| Net loans and leases to deposits | 80.3738% | 1,186 |
| Net loans and leases to core deposits | 83.5014% | 1,355 |
| Total domestic deposits to total assets | 90.7403% | 607 |
| Equity capital to assets | 8.5878% | 3,997 |
| Core capital (leverage) ratio | 8.7151% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,646,200 | 1,944 |
| Average earning assets | $387,128,800 | 1,946 |
| Average equity | $37,644,800 | 2,171 |
| Average total loans | $318,314,200 | 1,628 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 493 |
| Cost of funding earning assets | 0.1876% | 3,735 |
| Net interest margin | 4.5047% | 311 |
| Noninterest income to average assets | 1.4502% | 576 |
| Noninterest expense to average assets | 3.4971% | 459 |
| Loan and lease loss provision to assets | 0.0206% | 2,582 |
| Net operating income to assets | 1.6372% | 940 |
| Return on assets (ROA) | 1.6372% | 990 |
| Pretax return on assets | 2.1263% | 650 |
| Return on Equity (ROE) | 17.8257% | 647 |
| Retained earnings to average equity (ytd only) | 10.3613% | 1,208 |
| Net charge-offs to loans | -0.1811% | 4,754 |
| Credit loss provision to net charge-offs | -14.6853% | 3,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9621% | 2,708 |
| Assets per employee ($millions) | 4.5786% | 4,067 |
| Cash dividends to net income (ytd only)* | 41.8744% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,365 |
| Loan loss allowance to noncurrent loans | 175.8073% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 1,446 |
| Noncurrent loans to loans | 0.6352% | 1,723 |
| Net loans and leases to total assets | 73.5953% | 723 |
| Net loans and leases to deposits | 81.6687% | 1,140 |
| Net loans and leases to core deposits | 84.8957% | 1,360 |
| Total domestic deposits to total assets | 90.1145% | 726 |
| Equity capital to assets | 9.0781% | 3,761 |
| Core capital (leverage) ratio | 9.1813% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,406,500 | 1,981 |
| Average earning assets | $380,216,500 | 1,988 |
| Average equity | $37,510,500 | 2,201 |
| Average total loans | $315,861,250 | 1,670 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 434 |
| Cost of funding earning assets | 0.2033% | 3,716 |
| Net interest margin | 4.6557% | 287 |
| Noninterest income to average assets | 1.7317% | 417 |
| Noninterest expense to average assets | 3.5439% | 443 |
| Loan and lease loss provision to assets | 0.0154% | 2,641 |
| Net operating income to assets | 1.9424% | 544 |
| Return on assets (ROA) | 1.9424% | 563 |
| Pretax return on assets | 2.5067% | 353 |
| Return on Equity (ROE) | 21.0619% | 379 |
| Retained earnings to average equity (ytd only) | 13.5206% | 636 |
| Net charge-offs to loans | -0.2783% | 4,828 |
| Credit loss provision to net charge-offs | -7.0615% | 2,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4227% | 3,226 |
| Assets per employee ($millions) | 4.6037% | 4,014 |
| Cash dividends to net income (ytd only)* | 35.8056% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,510 |
| Loan loss allowance to noncurrent loans | 192.0808% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 1,693 |
| Noncurrent loans to loans | 0.5612% | 1,993 |
| Net loans and leases to total assets | 77.0406% | 506 |
| Net loans and leases to deposits | 85.4645% | 947 |
| Net loans and leases to core deposits | 88.6870% | 1,226 |
| Total domestic deposits to total assets | 90.1435% | 703 |
| Equity capital to assets | 9.1514% | 3,654 |
| Core capital (leverage) ratio | 9.2682% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,604,000 | 1,994 |
| Average earning assets | $374,810,000 | 1,999 |
| Average equity | $37,128,667 | 2,209 |
| Average total loans | $315,509,000 | 1,678 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 325 |
| Cost of funding earning assets | 0.2383% | 3,578 |
| Net interest margin | 4.8183% | 235 |
| Noninterest income to average assets | 0.8214% | 1,534 |
| Noninterest expense to average assets | 3.4916% | 471 |
| Loan and lease loss provision to assets | 0.0030% | 2,708 |
| Net operating income to assets | 1.5070% | 1,313 |
| Return on assets (ROA) | 1.5070% | 1,374 |
| Pretax return on assets | 1.8183% | 1,259 |
| Return on Equity (ROE) | 16.2745% | 965 |
| Retained earnings to average equity (ytd only) | 8.6082% | 2,060 |
| Net charge-offs to loans | -0.6681% | 4,903 |
| Credit loss provision to net charge-offs | -0.5792% | 2,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7186% | 2,269 |
| Assets per employee ($millions) | 4.4289% | 4,172 |
| Cash dividends to net income (ytd only)* | 47.1063% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,258 |
| Loan loss allowance to noncurrent loans | 166.5733% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 1,615 |
| Noncurrent loans to loans | 0.6830% | 1,878 |
| Net loans and leases to total assets | 76.9272% | 544 |
| Net loans and leases to deposits | 85.2486% | 1,021 |
| Net loans and leases to core deposits | 88.0210% | 1,366 |
| Total domestic deposits to total assets | 90.2386% | 703 |
| Equity capital to assets | 9.1150% | 3,575 |
| Core capital (leverage) ratio | 9.2285% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,436,000 | 2,012 |
| Average earning assets | $367,679,000 | 2,010 |
| Average equity | $36,523,500 | 2,233 |
| Average total loans | $310,128,000 | 1,697 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 492 |
| Cost of funding earning assets | 0.4368% | 3,366 |
| Net interest margin | 4.5610% | 288 |
| Noninterest income to average assets | 1.1011% | 878 |
| Noninterest expense to average assets | 3.9199% | 408 |
| Loan and lease loss provision to assets | 0.0876% | 3,267 |
| Net operating income to assets | 1.0011% | 2,288 |
| Return on assets (ROA) | 1.0011% | 2,430 |
| Pretax return on assets | 1.3066% | 1,948 |
| Return on Equity (ROE) | 10.3883% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.9579% | 3,384 |
| Net charge-offs to loans | 0.0816% | 1,658 |
| Credit loss provision to net charge-offs | 135.3191% | 2,517 |
| Earnings coverage of net charge-offs (x) | 21.5404% | 1,892 |
| Efficiency ratio | 73.7652% | 1,481 |
| Assets per employee ($millions) | 4.1940% | 4,214 |
| Cash dividends to net income (ytd only)* | 71.5268% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,890 |
| Loan loss allowance to noncurrent loans | 149.4360% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 1,731 |
| Noncurrent loans to loans | 0.6649% | 2,023 |
| Net loans and leases to total assets | 78.6854% | 531 |
| Net loans and leases to deposits | 87.6925% | 1,124 |
| Net loans and leases to core deposits | 90.7071% | 1,476 |
| Total domestic deposits to total assets | 89.7288% | 669 |
| Equity capital to assets | 9.4108% | 3,693 |
| Core capital (leverage) ratio | 9.3665% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,093,400 | 1,991 |
| Average earning assets | $335,384,200 | 2,002 |
| Average equity | $34,991,400 | 2,237 |
| Average total loans | $288,116,800 | 1,734 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 461 |
| Cost of funding earning assets | 0.4777% | 3,373 |
| Net interest margin | 4.6629% | 279 |
| Noninterest income to average assets | 1.1796% | 765 |
| Noninterest expense to average assets | 3.9935% | 376 |
| Loan and lease loss provision to assets | 0.1130% | 2,912 |
| Net operating income to assets | 1.0576% | 2,115 |
| Return on assets (ROA) | 1.0576% | 2,253 |
| Pretax return on assets | 1.3702% | 1,823 |
| Return on Equity (ROE) | 10.9052% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.5966% | 3,256 |
| Net charge-offs to loans | 0.0865% | 1,440 |
| Credit loss provision to net charge-offs | 164.6739% | 2,247 |
| Earnings coverage of net charge-offs (x) | 21.6087% | 1,859 |
| Efficiency ratio | 72.9174% | 1,535 |
| Assets per employee ($millions) | 3.9730% | 4,337 |
| Cash dividends to net income (ytd only)* | 67.0194% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,667 |
| Loan loss allowance to noncurrent loans | 139.5201% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 1,387 |
| Noncurrent loans to loans | 0.7236% | 1,992 |
| Net loans and leases to total assets | 81.7883% | 450 |
| Net loans and leases to deposits | 91.2535% | 1,133 |
| Net loans and leases to core deposits | 95.0165% | 1,539 |
| Total domestic deposits to total assets | 89.6275% | 542 |
| Equity capital to assets | 9.5933% | 3,611 |
| Core capital (leverage) ratio | 9.3251% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,405,750 | 1,993 |
| Average earning assets | $329,370,500 | 2,012 |
| Average equity | $34,661,500 | 2,242 |
| Average total loans | $283,483,500 | 1,748 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 456 |
| Cost of funding earning assets | 0.5129% | 3,455 |
| Net interest margin | 4.8174% | 275 |
| Noninterest income to average assets | 1.1506% | 755 |
| Noninterest expense to average assets | 4.1547% | 343 |
| Loan and lease loss provision to assets | 0.0379% | 3,803 |
| Net operating income to assets | 1.1019% | 1,957 |
| Return on assets (ROA) | 1.1019% | 2,078 |
| Pretax return on assets | 1.3968% | 1,735 |
| Return on Equity (ROE) | 11.3198% | 1,536 |
| Retained earnings to average equity (ytd only) | 3.7616% | 3,036 |
| Net charge-offs to loans | 0.1238% | 1,103 |
| Credit loss provision to net charge-offs | 39.1813% | 2,673 |
| Earnings coverage of net charge-offs (x) | 14.8246% | 1,932 |
| Efficiency ratio | 74.3317% | 1,431 |
| Assets per employee ($millions) | 3.9715% | 4,341 |
| Cash dividends to net income (ytd only)* | 66.7694% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,581 |
| Loan loss allowance to noncurrent loans | 136.3853% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 1,566 |
| Noncurrent loans to loans | 0.7326% | 2,044 |
| Net loans and leases to total assets | 75.9050% | 1,151 |
| Net loans and leases to deposits | 84.3339% | 1,962 |
| Net loans and leases to core deposits | 87.9661% | 2,246 |
| Total domestic deposits to total assets | 90.0053% | 399 |
| Equity capital to assets | 9.4145% | 3,732 |
| Core capital (leverage) ratio | 9.2473% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,378,667 | 1,988 |
| Average earning assets | $325,612,000 | 1,995 |
| Average equity | $34,400,000 | 2,241 |
| Average total loans | $276,218,333 | 1,760 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 735 |
| Cost of funding earning assets | 0.5533% | 3,677 |
| Net interest margin | 4.5877% | 425 |
| Noninterest income to average assets | 1.4036% | 452 |
| Noninterest expense to average assets | 4.5380% | 293 |
| Loan and lease loss provision to assets | 0.0408% | 3,263 |
| Net operating income to assets | 0.9074% | 2,500 |
| Return on assets (ROA) | 0.9074% | 2,606 |
| Pretax return on assets | 1.0355% | 2,717 |
| Return on Equity (ROE) | 9.1574% | 2,044 |
| Retained earnings to average equity (ytd only) | 0.9287% | 3,763 |
| Net charge-offs to loans | 0.1490% | 861 |
| Credit loss provision to net charge-offs | 34.6535% | 2,128 |
| Earnings coverage of net charge-offs (x) | 9.1485% | 1,831 |
| Efficiency ratio | 80.8299% | 1,057 |
| Assets per employee ($millions) | 3.7010% | 4,279 |
| Cash dividends to net income (ytd only)* | 89.8588% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,415 |
| Loan loss allowance to noncurrent loans | 117.9967% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 1,447 |
| Noncurrent loans to loans | 0.8963% | 1,820 |
| Net loans and leases to total assets | 76.3074% | 1,248 |
| Net loans and leases to deposits | 84.8868% | 2,118 |
| Net loans and leases to core deposits | 89.5038% | 2,395 |
| Total domestic deposits to total assets | 89.8931% | 356 |
| Equity capital to assets | 9.6332% | 4,100 |
| Core capital (leverage) ratio | 10.1268% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,409,000 | 1,987 |
| Average earning assets | $315,191,000 | 1,999 |
| Average equity | $34,027,000 | 2,243 |
| Average total loans | $271,214,000 | 1,751 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 598 |
| Cost of funding earning assets | 0.7145% | 3,094 |
| Net interest margin | 4.7516% | 425 |
| Noninterest income to average assets | 1.4523% | 443 |
| Noninterest expense to average assets | 3.9816% | 540 |
| Loan and lease loss provision to assets | 0.2102% | 953 |
| Net operating income to assets | 1.2328% | 1,935 |
| Return on assets (ROA) | 1.2835% | 1,833 |
| Pretax return on assets | 1.7014% | 1,183 |
| Return on Equity (ROE) | 12.8472% | 1,214 |
| Retained earnings to average equity (ytd only) | 4.9431% | 2,447 |
| Net charge-offs to loans | 0.0883% | 1,856 |
| Credit loss provision to net charge-offs | 299.5671% | 933 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,700 |
| Efficiency ratio | 68.3062% | 2,416 |
| Assets per employee ($millions) | 3.4897% | 4,486 |
| Cash dividends to net income (ytd only)* | 61.5239% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 2,921 |
| Loan loss allowance to noncurrent loans | 82.1785% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1317% | 1,061 |
| Noncurrent loans to loans | 1.3442% | 1,109 |
| Net loans and leases to total assets | 80.0694% | 775 |
| Net loans and leases to deposits | 92.7323% | 1,289 |
| Net loans and leases to core deposits | 97.4629% | 1,776 |
| Total domestic deposits to total assets | 86.3446% | 1,912 |
| Equity capital to assets | 10.2038% | 3,727 |
| Core capital (leverage) ratio | 9.9945% | 3,526 |
| Tier 1 risk-based capital ratio | 12.0380% | 4,343 |
| Total risk-based capital ratio | 13.0959% | 4,323 |
| Memoranda: | ||
| Average total assets | $329,267,000 | 1,989 |
| Average earning assets | $303,288,000 | 2,001 |
| Average equity | $32,894,200 | 2,244 |
| Average total loans | $261,594,600 | 1,766 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4423% | 651 |
| Cost of funding earning assets | 0.7256% | 3,094 |
| Net interest margin | 4.7168% | 481 |
| Noninterest income to average assets | 1.4801% | 412 |
| Noninterest expense to average assets | 3.9593% | 557 |
| Loan and lease loss provision to assets | 0.1549% | 1,212 |
| Net operating income to assets | 1.2872% | 1,897 |
| Return on assets (ROA) | 1.3548% | 1,694 |
| Pretax return on assets | 1.7998% | 1,094 |
| Return on Equity (ROE) | 13.6348% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.8785% | 2,429 |
| Net charge-offs to loans | 0.1031% | 1,440 |
| Credit loss provision to net charge-offs | 190.0498% | 1,379 |
| Earnings coverage of net charge-offs (x) | 22.9257% | 1,850 |
| Efficiency ratio | 67.9310% | 2,433 |
| Assets per employee ($millions) | 3.5929% | 4,404 |
| Cash dividends to net income (ytd only)* | 56.8863% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,694 |
| Loan loss allowance to noncurrent loans | 102.1309% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 1,688 |
| Noncurrent loans to loans | 0.9571% | 1,681 |
| Net loans and leases to total assets | 79.6620% | 890 |
| Net loans and leases to deposits | 99.6113% | 671 |
| Net loans and leases to core deposits | 104.9741% | 1,260 |
| Total domestic deposits to total assets | 79.9729% | 3,997 |
| Equity capital to assets | 9.8423% | 4,168 |
| Core capital (leverage) ratio | 10.0423% | 3,601 |
| Tier 1 risk-based capital ratio | 11.7187% | 4,565 |
| Total risk-based capital ratio | 12.6561% | 4,612 |
| Memoranda: | ||
| Average total assets | $328,702,500 | 2,001 |
| Average earning assets | $303,025,750 | 2,017 |
| Average equity | $32,660,750 | 2,272 |
| Average total loans | $259,889,500 | 1,789 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4271% | 649 |
| Cost of funding earning assets | 0.6909% | 3,217 |
| Net interest margin | 4.7362% | 457 |
| Noninterest income to average assets | 1.5717% | 373 |
| Noninterest expense to average assets | 3.9779% | 552 |
| Loan and lease loss provision to assets | 0.1430% | 1,300 |
| Net operating income to assets | 1.3714% | 1,511 |
| Return on assets (ROA) | 1.3714% | 1,568 |
| Pretax return on assets | 1.8151% | 1,002 |
| Return on Equity (ROE) | 13.7559% | 1,033 |
| Retained earnings to average equity (ytd only) | 6.0279% | 2,270 |
| Net charge-offs to loans | 0.1122% | 1,296 |
| Credit loss provision to net charge-offs | 162.2378% | 1,408 |
| Earnings coverage of net charge-offs (x) | 22.2168% | 1,701 |
| Efficiency ratio | 67.0128% | 2,680 |
| Assets per employee ($millions) | 3.4725% | 4,526 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 3,654 |
| Loan loss allowance to noncurrent loans | 106.4914% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,796 |
| Noncurrent loans to loans | 0.9349% | 1,747 |
| Net loans and leases to total assets | 78.1369% | 1,195 |
| Net loans and leases to deposits | 93.0899% | 1,363 |
| Net loans and leases to core deposits | 98.1192% | 1,880 |
| Total domestic deposits to total assets | 83.9370% | 2,895 |
| Equity capital to assets | 10.0643% | 3,925 |
| Core capital (leverage) ratio | 10.1075% | 3,493 |
| Tier 1 risk-based capital ratio | 12.1683% | 4,318 |
| Total risk-based capital ratio | 13.1215% | 4,367 |
| Memoranda: | ||
| Average total assets | $324,496,000 | 2,029 |
| Average earning assets | $299,018,670 | 2,043 |
| Average equity | $32,349,670 | 2,281 |
| Average total loans | $254,990,000 | 1,822 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 646 |
| Cost of funding earning assets | 0.6365% | 3,374 |
| Net interest margin | 4.7538% | 439 |
| Noninterest income to average assets | 1.4307% | 420 |
| Noninterest expense to average assets | 3.9093% | 595 |
| Loan and lease loss provision to assets | 0.1280% | 1,364 |
| Net operating income to assets | 1.3275% | 1,602 |
| Return on assets (ROA) | 1.3275% | 1,643 |
| Pretax return on assets | 1.7750% | 1,036 |
| Return on Equity (ROE) | 13.3818% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,670 |
| Net charge-offs to loans | 0.1633% | 830 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 14.8641% | 1,770 |
| Efficiency ratio | 67.2583% | 2,749 |
| Assets per employee ($millions) | 3.4073% | 4,648 |
| Cash dividends to net income (ytd only)* | 58.5206% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,723 |
| Loan loss allowance to noncurrent loans | 138.3637% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,262 |
| Noncurrent loans to loans | 0.7212% | 2,219 |
| Net loans and leases to total assets | 77.5367% | 1,231 |
| Net loans and leases to deposits | 89.3685% | 1,703 |
| Net loans and leases to core deposits | 92.9883% | 2,213 |
| Total domestic deposits to total assets | 86.7606% | 1,925 |
| Equity capital to assets | 10.1016% | 3,723 |
| Core capital (leverage) ratio | 10.0896% | 3,502 |
| Tier 1 risk-based capital ratio | 12.3923% | 4,237 |
| Total risk-based capital ratio | 13.3487% | 4,297 |
| Memoranda: | ||
| Average total assets | $321,799,500 | 2,053 |
| Average earning assets | $296,607,500 | 2,067 |
| Average equity | $31,924,000 | 2,303 |
| Average total loans | $252,306,500 | 1,846 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 539 |
| Cost of funding earning assets | 0.4581% | 3,623 |
| Net interest margin | 4.8898% | 324 |
| Noninterest income to average assets | 1.2775% | 573 |
| Noninterest expense to average assets | 3.8904% | 609 |
| Loan and lease loss provision to assets | 0.2137% | 859 |
| Net operating income to assets | 1.2568% | 1,954 |
| Return on assets (ROA) | 1.2568% | 1,950 |
| Pretax return on assets | 1.6717% | 1,243 |
| Return on Equity (ROE) | 13.1922% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.5567% | 2,452 |
| Net charge-offs to loans | 0.0923% | 1,848 |
| Credit loss provision to net charge-offs | 291.8803% | 1,050 |
| Earnings coverage of net charge-offs (x) | 25.7521% | 1,758 |
| Efficiency ratio | 67.3564% | 2,648 |
| Assets per employee ($millions) | 3.4765% | 4,571 |
| Cash dividends to net income (ytd only)* | 57.8790% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,778 |
| Loan loss allowance to noncurrent loans | 113.6694% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 1,942 |
| Noncurrent loans to loans | 0.8677% | 1,858 |
| Net loans and leases to total assets | 77.7166% | 1,320 |
| Net loans and leases to deposits | 92.9744% | 1,405 |
| Net loans and leases to core deposits | 96.8210% | 1,981 |
| Total domestic deposits to total assets | 83.5892% | 3,129 |
| Equity capital to assets | 9.7411% | 3,918 |
| Core capital (leverage) ratio | 9.8433% | 3,758 |
| Tier 1 risk-based capital ratio | 12.1227% | 4,349 |
| Total risk-based capital ratio | 13.0726% | 4,429 |
| Memoranda: | ||
| Average total assets | $319,609,400 | 2,045 |
| Average earning assets | $294,019,200 | 2,054 |
| Average equity | $30,449,800 | 2,311 |
| Average total loans | $253,431,000 | 1,807 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2957% | 528 |
| Cost of funding earning assets | 0.4034% | 3,834 |
| Net interest margin | 4.8923% | 320 |
| Noninterest income to average assets | 1.2924% | 578 |
| Noninterest expense to average assets | 3.8922% | 601 |
| Loan and lease loss provision to assets | 0.2673% | 574 |
| Net operating income to assets | 1.2292% | 2,124 |
| Return on assets (ROA) | 1.2292% | 2,126 |
| Pretax return on assets | 1.6333% | 1,474 |
| Return on Equity (ROE) | 12.9758% | 1,440 |
| Retained earnings to average equity (ytd only) | 5.4677% | 2,975 |
| Net charge-offs to loans | 0.0889% | 1,617 |
| Credit loss provision to net charge-offs | 378.1065% | 853 |
| Earnings coverage of net charge-offs (x) | 26.8814% | 1,726 |
| Efficiency ratio | 67.1891% | 2,684 |
| Assets per employee ($millions) | 3.4417% | 4,635 |
| Cash dividends to net income (ytd only)* | 57.8624% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,912 |
| Loan loss allowance to noncurrent loans | 127.8622% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 2,154 |
| Noncurrent loans to loans | 0.7638% | 2,177 |
| Net loans and leases to total assets | 79.1013% | 1,146 |
| Net loans and leases to deposits | 97.5657% | 989 |
| Net loans and leases to core deposits | 101.5073% | 1,650 |
| Total domestic deposits to total assets | 81.0749% | 3,846 |
| Equity capital to assets | 9.4712% | 4,108 |
| Core capital (leverage) ratio | 9.6538% | 3,992 |
| Tier 1 risk-based capital ratio | 11.6982% | 4,672 |
| Total risk-based capital ratio | 12.6468% | 4,733 |
| Memoranda: | ||
| Average total assets | $318,683,750 | 2,064 |
| Average earning assets | $293,161,750 | 2,072 |
| Average equity | $30,188,750 | 2,329 |
| Average total loans | $253,346,250 | 1,816 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 523 |
| Cost of funding earning assets | 0.3416% | 4,125 |
| Net interest margin | 4.8964% | 305 |
| Noninterest income to average assets | 1.1619% | 712 |
| Noninterest expense to average assets | 3.9448% | 577 |
| Loan and lease loss provision to assets | 0.2391% | 662 |
| Net operating income to assets | 1.1165% | 2,528 |
| Return on assets (ROA) | 1.1165% | 2,530 |
| Pretax return on assets | 1.4804% | 1,885 |
| Return on Equity (ROE) | 11.7851% | 1,806 |
| Retained earnings to average equity (ytd only) | 4.2946% | 3,455 |
| Net charge-offs to loans | -0.0008% | 3,874 |
| Credit loss provision to net charge-offs | -37,900.0000% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6437% | 2,375 |
| Assets per employee ($millions) | 3.4699% | 4,635 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,118 |
| Loan loss allowance to noncurrent loans | 120.7341% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,271 |
| Noncurrent loans to loans | 0.7871% | 2,152 |
| Net loans and leases to total assets | 78.6149% | 1,228 |
| Net loans and leases to deposits | 93.6734% | 1,392 |
| Net loans and leases to core deposits | 96.8675% | 1,977 |
| Total domestic deposits to total assets | 83.9245% | 3,100 |
| Equity capital to assets | 9.3597% | 4,228 |
| Core capital (leverage) ratio | 9.3971% | 4,250 |
| Tier 1 risk-based capital ratio | 11.3912% | 4,843 |
| Total risk-based capital ratio | 12.3087% | 4,917 |
| Memoranda: | ||
| Average total assets | $317,072,330 | 2,080 |
| Average earning assets | $291,558,670 | 2,091 |
| Average equity | $30,038,000 | 2,349 |
| Average total loans | $251,651,330 | 1,830 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 489 |
| Cost of funding earning assets | 0.2967% | 4,377 |
| Net interest margin | 4.9036% | 275 |
| Noninterest income to average assets | 1.1112% | 755 |
| Noninterest expense to average assets | 4.1253% | 451 |
| Loan and lease loss provision to assets | 0.2737% | 502 |
| Net operating income to assets | 0.9241% | 3,187 |
| Return on assets (ROA) | 0.9241% | 3,203 |
| Pretax return on assets | 1.2143% | 2,697 |
| Return on Equity (ROE) | 9.6945% | 2,587 |
| Retained earnings to average equity (ytd only) | 2.3502% | 4,222 |
| Net charge-offs to loans | 0.1764% | 829 |
| Credit loss provision to net charge-offs | 195.4545% | 1,061 |
| Earnings coverage of net charge-offs (x) | 10.6273% | 1,890 |
| Efficiency ratio | 73.4921% | 1,969 |
| Assets per employee ($millions) | 3.3566% | 4,840 |
| Cash dividends to net income (ytd only)* | 75.7576% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,583 |
| Loan loss allowance to noncurrent loans | 124.5098% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,532 |
| Noncurrent loans to loans | 0.6944% | 2,476 |
| Net loans and leases to total assets | 78.4539% | 1,167 |
| Net loans and leases to deposits | 87.4935% | 1,995 |
| Net loans and leases to core deposits | 90.4051% | 2,418 |
| Total domestic deposits to total assets | 89.6683% | 798 |
| Equity capital to assets | 9.4573% | 4,131 |
| Core capital (leverage) ratio | 9.4079% | 4,175 |
| Tier 1 risk-based capital ratio | 11.4181% | 4,903 |
| Total risk-based capital ratio | 12.2527% | 5,032 |
| Memoranda: | ||
| Average total assets | $314,257,500 | 2,112 |
| Average earning assets | $288,525,500 | 2,131 |
| Average equity | $29,955,000 | 2,372 |
| Average total loans | $249,414,000 | 1,855 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 662 |
| Cost of funding earning assets | 0.3045% | 4,091 |
| Net interest margin | 4.6836% | 436 |
| Noninterest income to average assets | 1.1860% | 738 |
| Noninterest expense to average assets | 3.8009% | 695 |
| Loan and lease loss provision to assets | 0.2069% | 982 |
| Net operating income to assets | 0.9436% | 2,477 |
| Return on assets (ROA) | 0.9599% | 2,438 |
| Pretax return on assets | 1.5135% | 1,588 |
| Return on Equity (ROE) | 9.9074% | 1,926 |
| Retained earnings to average equity (ytd only) | 2.5088% | 3,822 |
| Net charge-offs to loans | 0.1145% | 1,907 |
| Credit loss provision to net charge-offs | 231.7518% | 1,198 |
| Earnings coverage of net charge-offs (x) | 18.9854% | 2,047 |
| Efficiency ratio | 69.1587% | 2,669 |
| Assets per employee ($millions) | 3.4777% | 4,731 |
| Cash dividends to net income (ytd only)* | 74.6775% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,758 |
| Loan loss allowance to noncurrent loans | 111.3883% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,415 |
| Noncurrent loans to loans | 0.7402% | 2,356 |
| Net loans and leases to total assets | 78.9397% | 1,132 |
| Net loans and leases to deposits | 90.0153% | 1,774 |
| Net loans and leases to core deposits | 93.3168% | 2,256 |
| Total domestic deposits to total assets | 87.6959% | 1,658 |
| Equity capital to assets | 9.6073% | 4,136 |
| Core capital (leverage) ratio | 9.4436% | 4,113 |
| Tier 1 risk-based capital ratio | 11.4007% | 4,917 |
| Total risk-based capital ratio | 12.2045% | 5,054 |
| Memoranda: | ||
| Average total assets | $306,902,800 | 2,135 |
| Average earning assets | $282,408,000 | 2,142 |
| Average equity | $29,735,200 | 2,375 |
| Average total loans | $239,209,600 | 1,877 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 702 |
| Cost of funding earning assets | 0.3006% | 4,126 |
| Net interest margin | 4.6356% | 461 |
| Noninterest income to average assets | 1.1225% | 804 |
| Noninterest expense to average assets | 3.8434% | 639 |
| Loan and lease loss provision to assets | 0.2244% | 824 |
| Net operating income to assets | 0.8361% | 3,350 |
| Return on assets (ROA) | 0.8579% | 3,289 |
| Pretax return on assets | 1.3574% | 2,251 |
| Return on Equity (ROE) | 8.8357% | 2,708 |
| Retained earnings to average equity (ytd only) | 1.4164% | 4,848 |
| Net charge-offs to loans | 0.3650% | 576 |
| Credit loss provision to net charge-offs | 79.3210% | 2,595 |
| Earnings coverage of net charge-offs (x) | 5.4707% | 3,102 |
| Efficiency ratio | 71.2909% | 2,327 |
| Assets per employee ($millions) | 3.2861% | 4,980 |
| Cash dividends to net income (ytd only)* | 83.9698% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,261 |
| Loan loss allowance to noncurrent loans | 135.6832% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 3,097 |
| Noncurrent loans to loans | 0.4682% | 3,294 |
| Net loans and leases to total assets | 78.9398% | 1,127 |
| Net loans and leases to deposits | 93.3095% | 1,380 |
| Net loans and leases to core deposits | 96.6086% | 2,014 |
| Total domestic deposits to total assets | 84.5999% | 2,885 |
| Equity capital to assets | 9.6891% | 4,254 |
| Core capital (leverage) ratio | 9.1249% | 4,606 |
| Tier 1 risk-based capital ratio | 11.3562% | 5,047 |
| Total risk-based capital ratio | 11.9852% | 5,285 |
| Memoranda: | ||
| Average total assets | $305,380,500 | 2,156 |
| Average earning assets | $281,207,250 | 2,168 |
| Average equity | $29,651,500 | 2,399 |
| Average total loans | $236,729,750 | 1,906 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 748 |
| Cost of funding earning assets | 0.2853% | 4,232 |
| Net interest margin | 4.5840% | 489 |
| Noninterest income to average assets | 1.0762% | 868 |
| Noninterest expense to average assets | 3.8099% | 659 |
| Loan and lease loss provision to assets | 0.1197% | 1,720 |
| Net operating income to assets | 0.8593% | 3,118 |
| Return on assets (ROA) | 0.8921% | 3,009 |
| Pretax return on assets | 1.4128% | 1,961 |
| Return on Equity (ROE) | 9.1816% | 2,419 |
| Retained earnings to average equity (ytd only) | 1.7389% | 4,553 |
| Net charge-offs to loans | 0.2361% | 865 |
| Credit loss provision to net charge-offs | 65.9420% | 2,417 |
| Earnings coverage of net charge-offs (x) | 8.1630% | 2,530 |
| Efficiency ratio | 72.0055% | 2,339 |
| Assets per employee ($millions) | 3.3324% | 4,949 |
| Cash dividends to net income (ytd only)* | 81.0612% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 5,296 |
| Loan loss allowance to noncurrent loans | 84.7377% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 2,296 |
| Noncurrent loans to loans | 0.7676% | 2,481 |
| Net loans and leases to total assets | 78.8088% | 1,121 |
| Net loans and leases to deposits | 90.5021% | 1,663 |
| Net loans and leases to core deposits | 93.6836% | 2,185 |
| Total domestic deposits to total assets | 87.0795% | 1,910 |
| Equity capital to assets | 9.6534% | 4,273 |
| Core capital (leverage) ratio | 9.0954% | 4,621 |
| Tier 1 risk-based capital ratio | 11.1843% | 5,152 |
| Total risk-based capital ratio | 11.8278% | 5,358 |
| Memoranda: | ||
| Average total assets | $304,209,000 | 2,171 |
| Average earning assets | $279,714,670 | 2,174 |
| Average equity | $29,559,000 | 2,400 |
| Average total loans | $233,839,670 | 1,927 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 745 |
| Cost of funding earning assets | 0.2836% | 4,216 |
| Net interest margin | 4.5162% | 510 |
| Noninterest income to average assets | 1.0380% | 933 |
| Noninterest expense to average assets | 3.7869% | 690 |
| Loan and lease loss provision to assets | 0.1168% | 1,643 |
| Net operating income to assets | 0.8083% | 3,185 |
| Return on assets (ROA) | 0.8083% | 3,244 |
| Pretax return on assets | 1.2769% | 2,324 |
| Return on Equity (ROE) | 8.2914% | 2,769 |
| Retained earnings to average equity (ytd only) | 0.8033% | 4,719 |
| Net charge-offs to loans | 0.1668% | 977 |
| Credit loss provision to net charge-offs | 92.6316% | 1,678 |
| Earnings coverage of net charge-offs (x) | 11.0526% | 1,909 |
| Efficiency ratio | 73.0976% | 2,390 |
| Assets per employee ($millions) | 3.3909% | 4,943 |
| Cash dividends to net income (ytd only)* | 90.3120% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,273 |
| Loan loss allowance to noncurrent loans | 88.0878% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 2,384 |
| Noncurrent loans to loans | 0.8110% | 2,423 |
| Net loans and leases to total assets | 75.9354% | 1,422 |
| Net loans and leases to deposits | 84.3443% | 2,246 |
| Net loans and leases to core deposits | 87.3495% | 2,610 |
| Total domestic deposits to total assets | 90.0302% | 649 |
| Equity capital to assets | 9.5656% | 4,217 |
| Core capital (leverage) ratio | 9.1001% | 4,619 |
| Tier 1 risk-based capital ratio | 11.3098% | 5,135 |
| Total risk-based capital ratio | 12.0105% | 5,351 |
| Memoranda: | ||
| Average total assets | $301,358,000 | 2,202 |
| Average earning assets | $276,424,500 | 2,209 |
| Average equity | $29,380,000 | 2,421 |
| Average total loans | $227,841,500 | 1,969 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 905 |
| Cost of funding earning assets | 0.2951% | 4,121 |
| Net interest margin | 4.4949% | 633 |
| Noninterest income to average assets | 1.1182% | 918 |
| Noninterest expense to average assets | 3.9800% | 618 |
| Loan and lease loss provision to assets | 0.1413% | 1,766 |
| Net operating income to assets | 0.6818% | 3,865 |
| Return on assets (ROA) | 0.7116% | 3,847 |
| Pretax return on assets | 1.1475% | 2,909 |
| Return on Equity (ROE) | 6.9795% | 3,477 |
| Retained earnings to average equity (ytd only) | 0.2197% | 5,233 |
| Net charge-offs to loans | 0.4607% | 552 |
| Credit loss provision to net charge-offs | 42.4431% | 3,473 |
| Earnings coverage of net charge-offs (x) | 3.7319% | 3,615 |
| Efficiency ratio | 76.2125% | 1,949 |
| Assets per employee ($millions) | 3.3425% | 4,988 |
| Cash dividends to net income (ytd only)* | 96.8523% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 5,181 |
| Loan loss allowance to noncurrent loans | 84.9900% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 2,447 |
| Noncurrent loans to loans | 0.9068% | 2,282 |
| Net loans and leases to total assets | 74.1095% | 1,836 |
| Net loans and leases to deposits | 83.3173% | 2,500 |
| Net loans and leases to core deposits | 86.6149% | 2,802 |
| Total domestic deposits to total assets | 88.9486% | 1,144 |
| Equity capital to assets | 9.9418% | 3,776 |
| Core capital (leverage) ratio | 9.2040% | 4,472 |
| Tier 1 risk-based capital ratio | 11.9293% | 4,778 |
| Total risk-based capital ratio | 12.6819% | 4,998 |
| Memoranda: | ||
| Average total assets | $290,200,800 | 2,223 |
| Average earning assets | $264,968,800 | 2,249 |
| Average equity | $29,586,800 | 2,380 |
| Average total loans | $209,678,200 | 2,047 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7579% | 970 |
| Cost of funding earning assets | 0.2969% | 4,139 |
| Net interest margin | 4.4610% | 687 |
| Noninterest income to average assets | 1.1249% | 905 |
| Noninterest expense to average assets | 3.9826% | 604 |
| Loan and lease loss provision to assets | 0.1037% | 2,191 |
| Net operating income to assets | 0.6872% | 3,923 |
| Return on assets (ROA) | 0.7270% | 3,843 |
| Pretax return on assets | 1.1737% | 2,952 |
| Return on Equity (ROE) | 7.0860% | 3,516 |
| Retained earnings to average equity (ytd only) | 0.3460% | 5,262 |
| Net charge-offs to loans | 0.5618% | 374 |
| Credit loss provision to net charge-offs | 25.7732% | 3,257 |
| Earnings coverage of net charge-offs (x) | 3.0195% | 3,478 |
| Efficiency ratio | 76.6208% | 1,891 |
| Assets per employee ($millions) | 3.1660% | 5,222 |
| Cash dividends to net income (ytd only)* | 95.1175% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 5,331 |
| Loan loss allowance to noncurrent loans | 79.0617% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 2,501 |
| Noncurrent loans to loans | 0.9387% | 2,364 |
| Net loans and leases to total assets | 74.3186% | 1,812 |
| Net loans and leases to deposits | 83.3560% | 2,563 |
| Net loans and leases to core deposits | 86.8902% | 2,863 |
| Total domestic deposits to total assets | 89.1580% | 819 |
| Equity capital to assets | 10.4095% | 3,668 |
| Core capital (leverage) ratio | 9.3886% | 4,343 |
| Tier 1 risk-based capital ratio | 12.3131% | 4,600 |
| Total risk-based capital ratio | 13.0555% | 4,810 |
| Memoranda: | ||
| Average total assets | $289,215,250 | 2,231 |
| Average earning assets | $264,061,500 | 2,265 |
| Average equity | $29,672,750 | 2,388 |
| Average total loans | $207,177,500 | 2,072 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,022 |
| Cost of funding earning assets | 0.2983% | 4,151 |
| Net interest margin | 4.4156% | 740 |
| Noninterest income to average assets | 1.0885% | 949 |
| Noninterest expense to average assets | 3.9726% | 614 |
| Loan and lease loss provision to assets | 0.1354% | 1,684 |
| Net operating income to assets | 0.6186% | 4,195 |
| Return on assets (ROA) | 0.6527% | 4,178 |
| Pretax return on assets | 1.0615% | 3,357 |
| Return on Equity (ROE) | 6.3923% | 3,859 |
| Retained earnings to average equity (ytd only) | -0.3720% | 5,350 |
| Net charge-offs to loans | 0.7116% | 295 |
| Credit loss provision to net charge-offs | 26.9601% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.2779% | 3,296 |
| Efficiency ratio | 77.6458% | 1,844 |
| Assets per employee ($millions) | 3.1872% | 5,223 |
| Cash dividends to net income (ytd only)* | 105.8201% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 5,315 |
| Loan loss allowance to noncurrent loans | 110.7672% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,969 |
| Noncurrent loans to loans | 0.7083% | 2,952 |
| Net loans and leases to total assets | 75.7411% | 1,531 |
| Net loans and leases to deposits | 84.9472% | 2,355 |
| Net loans and leases to core deposits | 88.2500% | 2,703 |
| Total domestic deposits to total assets | 89.1625% | 840 |
| Equity capital to assets | 10.3801% | 3,757 |
| Core capital (leverage) ratio | 9.1252% | 4,684 |
| Tier 1 risk-based capital ratio | 11.8864% | 4,910 |
| Total risk-based capital ratio | 12.6696% | 5,097 |
| Memoranda: | ||
| Average total assets | $289,586,000 | 2,245 |
| Average earning assets | $264,156,330 | 2,268 |
| Average equity | $29,567,000 | 2,399 |
| Average total loans | $204,331,670 | 2,101 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 1,435 |
| Cost of funding earning assets | 0.3000% | 4,162 |
| Net interest margin | 4.2263% | 1,047 |
| Noninterest income to average assets | 1.0710% | 945 |
| Noninterest expense to average assets | 3.9374% | 657 |
| Loan and lease loss provision to assets | 0.0289% | 3,275 |
| Net operating income to assets | 0.5710% | 4,311 |
| Return on assets (ROA) | 0.5815% | 4,378 |
| Pretax return on assets | 0.9747% | 3,568 |
| Return on Equity (ROE) | 5.7428% | 4,106 |
| Retained earnings to average equity (ytd only) | -1.0454% | 5,281 |
| Net charge-offs to loans | 0.5766% | 385 |
| Credit loss provision to net charge-offs | 7.3944% | 2,378 |
| Earnings coverage of net charge-offs (x) | 2.5282% | 2,670 |
| Efficiency ratio | 79.9553% | 1,612 |
| Assets per employee ($millions) | 3.3301% | 5,080 |
| Cash dividends to net income (ytd only)* | 118.2033% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,633 |
| Loan loss allowance to noncurrent loans | 58.7226% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 1,745 |
| Noncurrent loans to loans | 1.6976% | 1,331 |
| Net loans and leases to total assets | 66.5478% | 2,876 |
| Net loans and leases to deposits | 74.2922% | 3,402 |
| Net loans and leases to core deposits | 76.9850% | 3,591 |
| Total domestic deposits to total assets | 89.5757% | 800 |
| Equity capital to assets | 9.9965% | 4,088 |
| Core capital (leverage) ratio | 9.0681% | 4,773 |
| Tier 1 risk-based capital ratio | 12.5983% | 4,520 |
| Total risk-based capital ratio | 13.5597% | 4,615 |
| Memoranda: | ||
| Average total assets | $290,955,500 | 2,240 |
| Average earning assets | $265,290,500 | 2,267 |
| Average equity | $29,463,000 | 2,404 |
| Average total loans | $197,008,000 | 2,151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 1,768 |
| Cost of funding earning assets | 0.3195% | 4,040 |
| Net interest margin | 4.1216% | 1,357 |
| Noninterest income to average assets | 1.2277% | 793 |
| Noninterest expense to average assets | 4.0215% | 653 |
| Loan and lease loss provision to assets | -0.0476% | 5,739 |
| Net operating income to assets | 0.6280% | 4,149 |
| Return on assets (ROA) | 0.6293% | 4,232 |
| Pretax return on assets | 0.9972% | 3,484 |
| Return on Equity (ROE) | 6.1550% | 3,967 |
| Retained earnings to average equity (ytd only) | -0.6461% | 5,615 |
| Net charge-offs to loans | 0.0189% | 3,896 |
| Credit loss provision to net charge-offs | -380.5556% | 5,391 |
| Earnings coverage of net charge-offs (x) | 75.6944% | 728 |
| Efficiency ratio | 80.9321% | 1,544 |
| Assets per employee ($millions) | 3.1378% | 5,371 |
| Cash dividends to net income (ytd only)* | 110.4972% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,729 |
| Loan loss allowance to noncurrent loans | 59.2622% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4583% | 1,408 |
| Noncurrent loans to loans | 1.9482% | 1,087 |
| Net loans and leases to total assets | 67.4346% | 2,793 |
| Net loans and leases to deposits | 75.4778% | 3,321 |
| Net loans and leases to core deposits | 78.3029% | 3,514 |
| Total domestic deposits to total assets | 89.3436% | 938 |
| Equity capital to assets | 10.2611% | 3,668 |
| Core capital (leverage) ratio | 9.2123% | 4,594 |
| Tier 1 risk-based capital ratio | 12.7591% | 4,471 |
| Total risk-based capital ratio | 13.8647% | 4,456 |
| Memoranda: | ||
| Average total assets | $287,602,400 | 2,222 |
| Average earning assets | $261,066,400 | 2,257 |
| Average equity | $29,406,800 | 2,360 |
| Average total loans | $190,728,200 | 2,152 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 1,862 |
| Cost of funding earning assets | 0.3243% | 4,056 |
| Net interest margin | 4.0941% | 1,420 |
| Noninterest income to average assets | 1.2541% | 768 |
| Noninterest expense to average assets | 4.0464% | 633 |
| Loan and lease loss provision to assets | -0.0194% | 5,844 |
| Net operating income to assets | 0.5864% | 4,447 |
| Return on assets (ROA) | 0.5882% | 4,538 |
| Pretax return on assets | 0.9450% | 3,835 |
| Return on Equity (ROE) | 5.7574% | 4,273 |
| Retained earnings to average equity (ytd only) | -1.0373% | 5,761 |
| Net charge-offs to loans | -0.2453% | 6,045 |
| Credit loss provision to net charge-offs | 12.0344% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4304% | 1,474 |
| Assets per employee ($millions) | 3.1227% | 5,400 |
| Cash dividends to net income (ytd only)* | 118.0176% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 2,544 |
| Loan loss allowance to noncurrent loans | 58.4243% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 1,002 |
| Noncurrent loans to loans | 2.4150% | 854 |
| Net loans and leases to total assets | 68.6130% | 2,590 |
| Net loans and leases to deposits | 77.1116% | 3,184 |
| Net loans and leases to core deposits | 79.9066% | 3,436 |
| Total domestic deposits to total assets | 88.9789% | 1,037 |
| Equity capital to assets | 10.6113% | 3,458 |
| Core capital (leverage) ratio | 9.2442% | 4,675 |
| Tier 1 risk-based capital ratio | 12.7605% | 4,572 |
| Total risk-based capital ratio | 14.0257% | 4,470 |
| Memoranda: | ||
| Average total assets | $288,119,000 | 2,235 |
| Average earning assets | $261,440,250 | 2,270 |
| Average equity | $29,433,750 | 2,370 |
| Average total loans | $189,710,500 | 2,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,248 |
| Cost of funding earning assets | 0.3373% | 3,955 |
| Net interest margin | 3.9412% | 1,853 |
| Noninterest income to average assets | 1.2068% | 834 |
| Noninterest expense to average assets | 3.9702% | 700 |
| Loan and lease loss provision to assets | -0.0467% | 6,023 |
| Net operating income to assets | 0.5537% | 4,543 |
| Return on assets (ROA) | 0.5537% | 4,652 |
| Pretax return on assets | 0.8665% | 4,079 |
| Return on Equity (ROE) | 5.4871% | 4,380 |
| Retained earnings to average equity (ytd only) | -1.3123% | 5,741 |
| Net charge-offs to loans | -0.1114% | 5,827 |
| Credit loss provision to net charge-offs | 64.7619% | 2,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8846% | 1,391 |
| Assets per employee ($millions) | 3.1587% | 5,400 |
| Cash dividends to net income (ytd only)* | 123.9157% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 3,260 |
| Loan loss allowance to noncurrent loans | 83.1305% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 1,839 |
| Noncurrent loans to loans | 1.5595% | 1,694 |
| Net loans and leases to total assets | 65.1328% | 3,103 |
| Net loans and leases to deposits | 72.9163% | 3,627 |
| Net loans and leases to core deposits | 75.6536% | 3,803 |
| Total domestic deposits to total assets | 89.3254% | 990 |
| Equity capital to assets | 10.1350% | 3,891 |
| Core capital (leverage) ratio | 8.9057% | 5,088 |
| Tier 1 risk-based capital ratio | 12.8027% | 4,620 |
| Total risk-based capital ratio | 14.0337% | 4,547 |
| Memoranda: | ||
| Average total assets | $291,518,330 | 2,225 |
| Average earning assets | $265,045,330 | 2,269 |
| Average equity | $29,414,670 | 2,383 |
| Average total loans | $188,474,330 | 2,198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,543 |
| Cost of funding earning assets | 0.3518% | 3,838 |
| Net interest margin | 3.8250% | 2,150 |
| Noninterest income to average assets | 1.2154% | 766 |
| Noninterest expense to average assets | 3.8984% | 772 |
| Loan and lease loss provision to assets | 0.0095% | 3,599 |
| Net operating income to assets | 0.5055% | 4,656 |
| Return on assets (ROA) | 0.5055% | 4,776 |
| Pretax return on assets | 0.7889% | 4,281 |
| Return on Equity (ROE) | 5.0210% | 4,518 |
| Retained earnings to average equity (ytd only) | -1.7458% | 5,656 |
| Net charge-offs to loans | -0.0703% | 5,696 |
| Credit loss provision to net charge-offs | -21.2121% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9997% | 1,496 |
| Assets per employee ($millions) | 3.2960% | 5,252 |
| Cash dividends to net income (ytd only)* | 134.7709% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,446 |
| Loan loss allowance to noncurrent loans | 60.6255% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 1,538 |
| Noncurrent loans to loans | 2.1303% | 1,203 |
| Net loans and leases to total assets | 63.4324% | 3,174 |
| Net loans and leases to deposits | 70.8209% | 3,660 |
| Net loans and leases to core deposits | 73.3117% | 3,843 |
| Total domestic deposits to total assets | 89.5674% | 959 |
| Equity capital to assets | 9.9937% | 4,154 |
| Core capital (leverage) ratio | 8.8184% | 5,178 |
| Tier 1 risk-based capital ratio | 12.9008% | 4,663 |
| Total risk-based capital ratio | 14.1508% | 4,580 |
| Memoranda: | ||
| Average total assets | $293,558,000 | 2,230 |
| Average earning assets | $267,188,500 | 2,267 |
| Average equity | $29,556,000 | 2,386 |
| Average total loans | $187,873,500 | 2,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,398 |
| Cost of funding earning assets | 0.4156% | 3,532 |
| Net interest margin | 4.2421% | 1,185 |
| Noninterest income to average assets | 1.3334% | 691 |
| Noninterest expense to average assets | 4.2829% | 554 |
| Loan and lease loss provision to assets | -0.0236% | 5,947 |
| Net operating income to assets | 0.5877% | 4,436 |
| Return on assets (ROA) | 0.6780% | 4,113 |
| Pretax return on assets | 1.0701% | 3,207 |
| Return on Equity (ROE) | 6.6403% | 3,823 |
| Retained earnings to average equity (ytd only) | -4.9282% | 6,177 |
| Net charge-offs to loans | 0.4646% | 903 |
| Credit loss provision to net charge-offs | -7.9909% | 5,306 |
| Earnings coverage of net charge-offs (x) | 3.0628% | 3,987 |
| Efficiency ratio | 82.5485% | 1,592 |
| Assets per employee ($millions) | 3.0577% | 5,623 |
| Cash dividends to net income (ytd only)* | 174.2160% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 3,373 |
| Loan loss allowance to noncurrent loans | 75.3578% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 1,895 |
| Noncurrent loans to loans | 1.7362% | 1,668 |
| Net loans and leases to total assets | 62.8958% | 3,381 |
| Net loans and leases to deposits | 70.4292% | 3,849 |
| Net loans and leases to core deposits | 72.9343% | 4,033 |
| Total domestic deposits to total assets | 89.3035% | 1,068 |
| Equity capital to assets | 10.1443% | 3,929 |
| Core capital (leverage) ratio | 8.6199% | 5,426 |
| Tier 1 risk-based capital ratio | 13.1110% | 4,645 |
| Total risk-based capital ratio | 14.3616% | 4,572 |
| Memoranda: | ||
| Average total assets | $296,316,000 | 2,174 |
| Average earning assets | $269,274,600 | 2,201 |
| Average equity | $30,254,600 | 2,254 |
| Average total loans | $188,558,200 | 2,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 1,227 |
| Cost of funding earning assets | 0.4251% | 3,522 |
| Net interest margin | 4.3079% | 1,036 |
| Noninterest income to average assets | 1.2336% | 798 |
| Noninterest expense to average assets | 4.2331% | 594 |
| Loan and lease loss provision to assets | 0.0448% | 3,499 |
| Net operating income to assets | 0.5505% | 4,673 |
| Return on assets (ROA) | 0.6336% | 4,393 |
| Pretax return on assets | 1.0012% | 3,586 |
| Return on Equity (ROE) | 6.1955% | 4,135 |
| Retained earnings to average equity (ytd only) | -0.3722% | 5,859 |
| Net charge-offs to loans | 0.5307% | 718 |
| Credit loss provision to net charge-offs | 13.2626% | 3,668 |
| Earnings coverage of net charge-offs (x) | 2.7135% | 3,840 |
| Efficiency ratio | 82.2087% | 1,592 |
| Assets per employee ($millions) | 2.9791% | 5,749 |
| Cash dividends to net income (ytd only)* | 106.0070% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 3,091 |
| Loan loss allowance to noncurrent loans | 79.9411% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 1,724 |
| Noncurrent loans to loans | 1.7731% | 1,831 |
| Net loans and leases to total assets | 66.0014% | 2,869 |
| Net loans and leases to deposits | 74.2260% | 3,408 |
| Net loans and leases to core deposits | 77.0133% | 3,636 |
| Total domestic deposits to total assets | 88.9195% | 1,288 |
| Equity capital to assets | 10.6770% | 3,335 |
| Core capital (leverage) ratio | 9.0451% | 5,012 |
| Tier 1 risk-based capital ratio | 13.0137% | 4,857 |
| Total risk-based capital ratio | 14.2651% | 4,781 |
| Memoranda: | ||
| Average total assets | $297,775,250 | 2,187 |
| Average earning assets | $270,659,500 | 2,207 |
| Average equity | $30,451,500 | 2,259 |
| Average total loans | $189,417,500 | 2,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 1,225 |
| Cost of funding earning assets | 0.4292% | 3,560 |
| Net interest margin | 4.3014% | 1,024 |
| Noninterest income to average assets | 1.1806% | 840 |
| Noninterest expense to average assets | 4.2207% | 583 |
| Loan and lease loss provision to assets | 0.0371% | 3,551 |
| Net operating income to assets | 0.5303% | 4,689 |
| Return on assets (ROA) | 0.6152% | 4,376 |
| Pretax return on assets | 0.9751% | 3,589 |
| Return on Equity (ROE) | 6.1006% | 4,103 |
| Retained earnings to average equity (ytd only) | -3.7603% | 6,159 |
| Net charge-offs to loans | 0.8160% | 464 |
| Credit loss provision to net charge-offs | 7.2727% | 3,335 |
| Earnings coverage of net charge-offs (x) | 1.7234% | 3,728 |
| Efficiency ratio | 82.7528% | 1,662 |
| Assets per employee ($millions) | 3.0913% | 5,611 |
| Cash dividends to net income (ytd only)* | 161.6379% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 3,387 |
| Loan loss allowance to noncurrent loans | 99.3263% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 2,274 |
| Noncurrent loans to loans | 1.4031% | 2,451 |
| Net loans and leases to total assets | 62.6243% | 3,300 |
| Net loans and leases to deposits | 70.0156% | 3,822 |
| Net loans and leases to core deposits | 72.9482% | 3,949 |
| Total domestic deposits to total assets | 89.4433% | 1,125 |
| Equity capital to assets | 10.0531% | 4,032 |
| Core capital (leverage) ratio | 8.5198% | 5,615 |
| Tier 1 risk-based capital ratio | 12.6391% | 5,133 |
| Total risk-based capital ratio | 13.8902% | 5,067 |
| Memoranda: | ||
| Average total assets | $301,701,330 | 2,161 |
| Average earning assets | $274,935,330 | 2,176 |
| Average equity | $30,423,330 | 2,253 |
| Average total loans | $188,731,330 | 2,143 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,391 |
| Cost of funding earning assets | 0.4302% | 3,649 |
| Net interest margin | 4.2148% | 1,175 |
| Noninterest income to average assets | 1.0323% | 1,055 |
| Noninterest expense to average assets | 4.3711% | 518 |
| Loan and lease loss provision to assets | 0.0198% | 3,567 |
| Net operating income to assets | 0.3080% | 5,464 |
| Return on assets (ROA) | 0.3833% | 5,247 |
| Pretax return on assets | 0.6054% | 4,811 |
| Return on Equity (ROE) | 3.7955% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.7955% | 3,851 |
| Net charge-offs to loans | 1.2583% | 265 |
| Credit loss provision to net charge-offs | 2.5381% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.6497% | 3,290 |
| Efficiency ratio | 89.5963% | 1,074 |
| Assets per employee ($millions) | 3.0381% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,243 |
| Loan loss allowance to noncurrent loans | 64.0073% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 1,956 |
| Noncurrent loans to loans | 2.3101% | 1,540 |
| Net loans and leases to total assets | 61.2338% | 3,359 |
| Net loans and leases to deposits | 68.4528% | 3,809 |
| Net loans and leases to core deposits | 71.3441% | 3,944 |
| Total domestic deposits to total assets | 89.4541% | 1,392 |
| Equity capital to assets | 10.1390% | 3,675 |
| Core capital (leverage) ratio | 8.6800% | 5,409 |
| Tier 1 risk-based capital ratio | 13.1311% | 4,933 |
| Total risk-based capital ratio | 14.3831% | 4,865 |
| Memoranda: | ||
| Average total assets | $302,623,000 | 2,163 |
| Average earning assets | $276,171,000 | 2,176 |
| Average equity | $30,562,500 | 2,236 |
| Average total loans | $187,878,000 | 2,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 1,943 |
| Cost of funding earning assets | 0.4786% | 3,830 |
| Net interest margin | 4.0978% | 1,648 |
| Noninterest income to average assets | 1.2641% | 867 |
| Noninterest expense to average assets | 4.5756% | 493 |
| Loan and lease loss provision to assets | 0.0255% | 4,621 |
| Net operating income to assets | 2.7126% | 140 |
| Return on assets (ROA) | 2.8687% | 119 |
| Pretax return on assets | 0.6166% | 4,817 |
| Return on Equity (ROE) | 35.2354% | 39 |
| Retained earnings to average equity (ytd only) | 35.2354% | 20 |
| Net charge-offs to loans | 0.7939% | 793 |
| Credit loss provision to net charge-offs | 5.2120% | 4,646 |
| Earnings coverage of net charge-offs (x) | 0.9931% | 4,748 |
| Efficiency ratio | 90.3984% | 990 |
| Assets per employee ($millions) | 2.8709% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,061 |
| Loan loss allowance to noncurrent loans | 54.4896% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.4970% | 1,376 |
| Noncurrent loans to loans | 3.3065% | 988 |
| Net loans and leases to total assets | 60.8957% | 3,560 |
| Net loans and leases to deposits | 68.0638% | 4,046 |
| Net loans and leases to core deposits | 70.8194% | 4,206 |
| Total domestic deposits to total assets | 89.4686% | 1,349 |
| Equity capital to assets | 10.0590% | 3,683 |
| Core capital (leverage) ratio | 8.7813% | 5,310 |
| Tier 1 risk-based capital ratio | 12.9992% | 4,973 |
| Total risk-based capital ratio | 14.2553% | 4,922 |
| Memoranda: | ||
| Average total assets | $294,038,600 | 2,183 |
| Average earning assets | $272,489,000 | 2,158 |
| Average equity | $23,939,000 | 2,736 |
| Average total loans | $181,267,800 | 2,181 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,986 |
| Cost of funding earning assets | 0.4877% | 3,888 |
| Net interest margin | 4.0782% | 1,694 |
| Noninterest income to average assets | 1.2321% | 968 |
| Noninterest expense to average assets | 4.5463% | 499 |
| Loan and lease loss provision to assets | 0.0219% | 4,565 |
| Net operating income to assets | 0.4604% | 4,975 |
| Return on assets (ROA) | 0.6142% | 4,410 |
| Pretax return on assets | 0.6147% | 4,967 |
| Return on Equity (ROE) | 8.0320% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.0320% | 1,399 |
| Net charge-offs to loans | 1.0727% | 528 |
| Credit loss provision to net charge-offs | 3.3172% | 4,300 |
| Earnings coverage of net charge-offs (x) | 0.7312% | 4,603 |
| Efficiency ratio | 90.4001% | 958 |
| Assets per employee ($millions) | 2.6874% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,281 |
| Loan loss allowance to noncurrent loans | 50.2260% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9702% | 1,248 |
| Noncurrent loans to loans | 3.5989% | 1,046 |
| Net loans and leases to total assets | 62.9651% | 3,173 |
| Net loans and leases to deposits | 68.5992% | 3,983 |
| Net loans and leases to core deposits | 71.7382% | 4,123 |
| Total domestic deposits to total assets | 91.7869% | 288 |
| Equity capital to assets | 7.6803% | 6,312 |
| Core capital (leverage) ratio | 8.5479% | 5,725 |
| Tier 1 risk-based capital ratio | 12.8887% | 5,197 |
| Total risk-based capital ratio | 14.1452% | 5,131 |
| Memoranda: | ||
| Average total assets | $292,188,250 | 2,207 |
| Average earning assets | $272,040,500 | 2,169 |
| Average equity | $22,343,250 | 2,921 |
| Average total loans | $179,851,750 | 2,202 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 2,183 |
| Cost of funding earning assets | 0.4949% | 3,945 |
| Net interest margin | 4.0101% | 1,822 |
| Noninterest income to average assets | 1.2065% | 1,052 |
| Noninterest expense to average assets | 4.5769% | 490 |
| Loan and lease loss provision to assets | 0.0177% | 4,544 |
| Net operating income to assets | 0.3418% | 5,438 |
| Return on assets (ROA) | 0.5713% | 4,620 |
| Pretax return on assets | 0.5713% | 5,128 |
| Return on Equity (ROE) | 7.4813% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.4813% | 1,677 |
| Net charge-offs to loans | 0.7817% | 802 |
| Credit loss provision to net charge-offs | 3.7303% | 3,969 |
| Earnings coverage of net charge-offs (x) | 0.7575% | 4,273 |
| Efficiency ratio | 92.7172% | 842 |
| Assets per employee ($millions) | 2.6896% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2726% | 1,301 |
| Loan loss allowance to noncurrent loans | 62.0568% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.0801% | 1,306 |
| Noncurrent loans to loans | 3.6622% | 1,115 |
| Net loans and leases to total assets | 60.6813% | 3,541 |
| Net loans and leases to deposits | 66.2333% | 4,241 |
| Net loans and leases to core deposits | 68.9823% | 4,392 |
| Total domestic deposits to total assets | 91.6176% | 337 |
| Equity capital to assets | 7.5151% | 6,434 |
| Core capital (leverage) ratio | 8.0670% | 6,135 |
| Tier 1 risk-based capital ratio | 12.8861% | 5,235 |
| Total risk-based capital ratio | 14.1480% | 5,158 |
| Memoranda: | ||
| Average total assets | $293,733,330 | 2,202 |
| Average earning assets | $273,209,330 | 2,172 |
| Average equity | $22,429,330 | 2,935 |
| Average total loans | $178,338,670 | 2,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 2,209 |
| Cost of funding earning assets | 0.4920% | 4,160 |
| Net interest margin | 3.9956% | 1,809 |
| Noninterest income to average assets | 1.1311% | 1,170 |
| Noninterest expense to average assets | 4.6348% | 484 |
| Loan and lease loss provision to assets | 0.0067% | 4,355 |
| Net operating income to assets | 0.2009% | 5,889 |
| Return on assets (ROA) | 0.2009% | 5,997 |
| Pretax return on assets | 0.2009% | 6,076 |
| Return on Equity (ROE) | 2.6105% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.6105% | 4,718 |
| Net charge-offs to loans | 0.4625% | 1,289 |
| Credit loss provision to net charge-offs | 2.4272% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.7476% | 3,581 |
| Efficiency ratio | 95.7127% | 745 |
| Assets per employee ($millions) | 2.7907% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 1,054 |
| Loan loss allowance to noncurrent loans | 61.4790% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 3.1601% | 1,384 |
| Noncurrent loans to loans | 4.1616% | 1,060 |
| Net loans and leases to total assets | 57.7906% | 3,803 |
| Net loans and leases to deposits | 63.1240% | 4,402 |
| Net loans and leases to core deposits | 65.6946% | 4,566 |
| Total domestic deposits to total assets | 91.5510% | 342 |
| Equity capital to assets | 7.6349% | 6,551 |
| Core capital (leverage) ratio | 7.8444% | 6,255 |
| Tier 1 risk-based capital ratio | 12.6894% | 5,438 |
| Total risk-based capital ratio | 13.9549% | 5,376 |
| Memoranda: | ||
| Average total assets | $296,709,000 | 2,211 |
| Average earning assets | $275,602,000 | 2,181 |
| Average equity | $22,830,500 | 2,943 |
| Average total loans | $178,162,500 | 2,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 3,047 |
| Cost of funding earning assets | 0.5771% | 4,567 |
| Net interest margin | 4.0116% | 2,353 |
| Noninterest income to average assets | 1.4264% | 771 |
| Noninterest expense to average assets | 4.6227% | 507 |
| Loan and lease loss provision to assets | 0.1874% | 3,298 |
| Net operating income to assets | 0.3173% | 5,408 |
| Return on assets (ROA) | 0.8143% | 3,469 |
| Pretax return on assets | 0.8129% | 4,246 |
| Return on Equity (ROE) | 10.7882% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.7882% | 463 |
| Net charge-offs to loans | 1.1230% | 932 |
| Credit loss provision to net charge-offs | 26.2169% | 5,183 |
| Earnings coverage of net charge-offs (x) | 0.7041% | 5,128 |
| Efficiency ratio | 90.1821% | 1,050 |
| Assets per employee ($millions) | 2.8078% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6402% | 978 |
| Loan loss allowance to noncurrent loans | 53.0553% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.5052% | 1,289 |
| Noncurrent loans to loans | 4.9763% | 807 |
| Net loans and leases to total assets | 59.1888% | 3,755 |
| Net loans and leases to deposits | 64.5154% | 4,474 |
| Net loans and leases to core deposits | 64.5154% | 4,902 |
| Total domestic deposits to total assets | 91.7437% | 292 |
| Equity capital to assets | 7.7550% | 6,523 |
| Core capital (leverage) ratio | 7.9220% | 6,266 |
| Tier 1 risk-based capital ratio | 12.5315% | 5,449 |
| Total risk-based capital ratio | 13.7980% | 5,391 |
| Memoranda: | ||
| Average total assets | $290,304,200 | 2,200 |
| Average earning assets | $267,724,400 | 2,170 |
| Average equity | $21,912,800 | 2,985 |
| Average total loans | $184,768,800 | 2,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 3,558 |
| Cost of funding earning assets | 0.6010% | 4,638 |
| Net interest margin | 3.9190% | 2,844 |
| Noninterest income to average assets | 1.5215% | 642 |
| Noninterest expense to average assets | 4.5779% | 515 |
| Loan and lease loss provision to assets | 0.2388% | 2,662 |
| Net operating income to assets | 0.3117% | 5,576 |
| Return on assets (ROA) | 0.8719% | 3,366 |
| Pretax return on assets | 0.8728% | 4,215 |
| Return on Equity (ROE) | 11.6320% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.6320% | 589 |
| Net charge-offs to loans | 1.0385% | 1,013 |
| Credit loss provision to net charge-offs | 35.7241% | 4,706 |
| Earnings coverage of net charge-offs (x) | 0.8248% | 4,915 |
| Efficiency ratio | 89.2494% | 1,093 |
| Assets per employee ($millions) | 2.7558% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8526% | 843 |
| Loan loss allowance to noncurrent loans | 41.2648% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 5.4207% | 794 |
| Noncurrent loans to loans | 6.9130% | 530 |
| Net loans and leases to total assets | 64.5871% | 2,911 |
| Net loans and leases to deposits | 70.8043% | 3,786 |
| Net loans and leases to core deposits | 73.4548% | 4,055 |
| Total domestic deposits to total assets | 91.2192% | 351 |
| Equity capital to assets | 8.0778% | 6,559 |
| Core capital (leverage) ratio | 7.7958% | 6,469 |
| Tier 1 risk-based capital ratio | 11.8411% | 6,035 |
| Total risk-based capital ratio | 13.1104% | 6,001 |
| Memoranda: | ||
| Average total assets | $289,176,250 | 2,240 |
| Average earning assets | $266,218,750 | 2,217 |
| Average equity | $21,675,250 | 3,039 |
| Average total loans | $186,153,500 | 2,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 3,852 |
| Cost of funding earning assets | 0.6222% | 4,700 |
| Net interest margin | 3.8585% | 3,099 |
| Noninterest income to average assets | 1.6171% | 567 |
| Noninterest expense to average assets | 4.5417% | 536 |
| Loan and lease loss provision to assets | 0.3454% | 1,903 |
| Net operating income to assets | 0.2768% | 5,684 |
| Return on assets (ROA) | 0.7325% | 3,966 |
| Pretax return on assets | 0.7339% | 4,729 |
| Return on Equity (ROE) | 10.0227% | 2,337 |
| Retained earnings to average equity (ytd only) | 10.0227% | 966 |
| Net charge-offs to loans | 1.3469% | 776 |
| Credit loss provision to net charge-offs | 40.2556% | 4,254 |
| Earnings coverage of net charge-offs (x) | 0.7268% | 4,688 |
| Efficiency ratio | 87.9278% | 1,243 |
| Assets per employee ($millions) | 2.8049% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9589% | 813 |
| Loan loss allowance to noncurrent loans | 32.9391% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 6.8989% | 575 |
| Noncurrent loans to loans | 8.9829% | 343 |
| Net loans and leases to total assets | 62.6073% | 3,307 |
| Net loans and leases to deposits | 68.2596% | 4,155 |
| Net loans and leases to core deposits | 70.9693% | 4,418 |
| Total domestic deposits to total assets | 91.7193% | 273 |
| Equity capital to assets | 7.5863% | 6,764 |
| Core capital (leverage) ratio | 7.3349% | 6,696 |
| Tier 1 risk-based capital ratio | 11.4567% | 6,242 |
| Total risk-based capital ratio | 12.7274% | 6,209 |
| Memoranda: | ||
| Average total assets | $291,871,670 | 2,214 |
| Average earning assets | $268,395,330 | 2,202 |
| Average equity | $21,331,670 | 3,068 |
| Average total loans | $185,911,670 | 2,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 3,836 |
| Cost of funding earning assets | 0.6418% | 4,804 |
| Net interest margin | 3.8789% | 3,013 |
| Noninterest income to average assets | 1.6730% | 528 |
| Noninterest expense to average assets | 4.4574% | 570 |
| Loan and lease loss provision to assets | 0.5740% | 1,005 |
| Net operating income to assets | 0.2018% | 5,984 |
| Return on assets (ROA) | 0.2018% | 6,131 |
| Pretax return on assets | 0.2018% | 6,203 |
| Return on Equity (ROE) | 2.8138% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.8138% | 4,847 |
| Net charge-offs to loans | 2.5270% | 324 |
| Credit loss provision to net charge-offs | 35.8909% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.4851% | 4,098 |
| Efficiency ratio | 85.1746% | 1,565 |
| Assets per employee ($millions) | 2.8514% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0183% | 817 |
| Loan loss allowance to noncurrent loans | 33.9808% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 6.3585% | 718 |
| Noncurrent loans to loans | 8.8825% | 394 |
| Net loans and leases to total assets | 59.7112% | 3,730 |
| Net loans and leases to deposits | 64.7275% | 4,526 |
| Net loans and leases to core deposits | 67.3368% | 4,755 |
| Total domestic deposits to total assets | 92.2502% | 219 |
| Equity capital to assets | 7.1310% | 6,900 |
| Core capital (leverage) ratio | 6.9869% | 6,841 |
| Tier 1 risk-based capital ratio | 11.5173% | 6,272 |
| Total risk-based capital ratio | 12.7898% | 6,235 |
| Memoranda: | ||
| Average total assets | $293,357,000 | 2,214 |
| Average earning assets | $269,249,500 | 2,208 |
| Average equity | $21,039,000 | 3,102 |
| Average total loans | $185,673,500 | 2,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 4,638 |
| Cost of funding earning assets | 0.9404% | 3,782 |
| Net interest margin | 3.6699% | 4,430 |
| Noninterest income to average assets | 1.0578% | 1,198 |
| Noninterest expense to average assets | 4.2326% | 780 |
| Loan and lease loss provision to assets | 1.0142% | 930 |
| Net operating income to assets | -0.8038% | 6,657 |
| Return on assets (ROA) | -0.8038% | 6,689 |
| Pretax return on assets | -0.8038% | 6,647 |
| Return on Equity (ROE) | -12.2280% | 6,804 |
| Retained earnings to average equity (ytd only) | -12.2280% | 6,776 |
| Net charge-offs to loans | 2.6287% | 427 |
| Credit loss provision to net charge-offs | 60.4400% | 5,160 |
| Earnings coverage of net charge-offs (x) | 0.1254% | 5,739 |
| Efficiency ratio | 95.2645% | 856 |
| Assets per employee ($millions) | 2.8171% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3179% | 615 |
| Loan loss allowance to noncurrent loans | 34.9615% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 7.9982% | 508 |
| Noncurrent loans to loans | 9.4902% | 354 |
| Net loans and leases to total assets | 62.8952% | 3,431 |
| Net loans and leases to deposits | 68.1624% | 4,419 |
| Net loans and leases to core deposits | 71.1271% | 4,634 |
| Total domestic deposits to total assets | 92.2727% | 203 |
| Equity capital to assets | 7.2135% | 6,901 |
| Core capital (leverage) ratio | 6.8106% | 6,917 |
| Tier 1 risk-based capital ratio | 10.9464% | 6,477 |
| Total risk-based capital ratio | 12.2224% | 6,449 |
| Memoranda: | ||
| Average total assets | $325,098,200 | 1,983 |
| Average earning assets | $299,872,400 | 1,954 |
| Average equity | $21,369,000 | 2,971 |
| Average total loans | $207,514,000 | 1,977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 5,014 |
| Cost of funding earning assets | 1.0065% | 3,634 |
| Net interest margin | 3.5592% | 4,946 |
| Noninterest income to average assets | 0.8787% | 1,726 |
| Noninterest expense to average assets | 4.0311% | 972 |
| Loan and lease loss provision to assets | 1.1942% | 657 |
| Net operating income to assets | -1.0516% | 6,905 |
| Return on assets (ROA) | -1.0516% | 6,931 |
| Pretax return on assets | -1.0516% | 6,891 |
| Return on Equity (ROE) | -16.3446% | 7,040 |
| Retained earnings to average equity (ytd only) | -16.3446% | 7,018 |
| Net charge-offs to loans | 2.7118% | 383 |
| Credit loss provision to net charge-offs | 69.2771% | 4,505 |
| Earnings coverage of net charge-offs (x) | 0.0827% | 5,546 |
| Efficiency ratio | 96.5837% | 788 |
| Assets per employee ($millions) | 2.9125% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5636% | 538 |
| Loan loss allowance to noncurrent loans | 33.1232% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 9.0174% | 444 |
| Noncurrent loans to loans | 10.7586% | 309 |
| Net loans and leases to total assets | 63.3873% | 3,435 |
| Net loans and leases to deposits | 68.6572% | 4,490 |
| Net loans and leases to core deposits | 71.8603% | 4,733 |
| Total domestic deposits to total assets | 92.3243% | 177 |
| Equity capital to assets | 7.0287% | 7,049 |
| Core capital (leverage) ratio | 6.3557% | 7,094 |
| Tier 1 risk-based capital ratio | 10.6274% | 6,725 |
| Total risk-based capital ratio | 11.9072% | 6,705 |
| Memoranda: | ||
| Average total assets | $333,831,500 | 1,944 |
| Average earning assets | $309,054,500 | 1,910 |
| Average equity | $21,478,500 | 2,955 |
| Average total loans | $212,201,750 | 1,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 5,393 |
| Cost of funding earning assets | 1.0615% | 3,532 |
| Net interest margin | 3.4255% | 5,461 |
| Noninterest income to average assets | 0.8206% | 1,928 |
| Noninterest expense to average assets | 4.0425% | 987 |
| Loan and lease loss provision to assets | 0.6683% | 1,440 |
| Net operating income to assets | -0.7206% | 6,828 |
| Return on assets (ROA) | -0.7206% | 6,837 |
| Pretax return on assets | -0.7189% | 6,782 |
| Return on Equity (ROE) | -11.5128% | 6,983 |
| Retained earnings to average equity (ytd only) | -11.5128% | 6,931 |
| Net charge-offs to loans | 1.8405% | 745 |
| Credit loss provision to net charge-offs | 57.7020% | 4,401 |
| Earnings coverage of net charge-offs (x) | -0.0437% | 5,311 |
| Efficiency ratio | 101.2666% | 688 |
| Assets per employee ($millions) | 3.3148% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6480% | 535 |
| Loan loss allowance to noncurrent loans | 29.1989% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 9.3708% | 440 |
| Noncurrent loans to loans | 12.4937% | 228 |
| Net loans and leases to total assets | 60.3816% | 4,202 |
| Net loans and leases to deposits | 65.0905% | 5,135 |
| Net loans and leases to core deposits | 68.5049% | 5,237 |
| Total domestic deposits to total assets | 92.7657% | 142 |
| Equity capital to assets | 6.5504% | 7,173 |
| Core capital (leverage) ratio | 6.3784% | 7,146 |
| Tier 1 risk-based capital ratio | 10.9808% | 6,546 |
| Total risk-based capital ratio | 12.2623% | 6,509 |
| Memoranda: | ||
| Average total assets | $344,141,000 | 1,899 |
| Average earning assets | $318,609,330 | 1,872 |
| Average equity | $21,541,330 | 2,919 |
| Average total loans | $216,570,000 | 1,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 5,044 |
| Cost of funding earning assets | 1.1133% | 3,433 |
| Net interest margin | 3.4634% | 5,169 |
| Noninterest income to average assets | 0.8891% | 1,697 |
| Noninterest expense to average assets | 3.8793% | 1,204 |
| Loan and lease loss provision to assets | 0.1153% | 4,569 |
| Net operating income to assets | 0.0924% | 6,113 |
| Return on assets (ROA) | 0.0924% | 6,164 |
| Pretax return on assets | 0.0936% | 6,184 |
| Return on Equity (ROE) | 1.5101% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.5101% | 5,208 |
| Net charge-offs to loans | 1.0860% | 1,270 |
| Credit loss provision to net charge-offs | 16.8333% | 4,298 |
| Earnings coverage of net charge-offs (x) | 0.3050% | 4,388 |
| Efficiency ratio | 94.8911% | 989 |
| Assets per employee ($millions) | 3.3784% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7186% | 521 |
| Loan loss allowance to noncurrent loans | 37.5985% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 7.8558% | 615 |
| Noncurrent loans to loans | 9.8902% | 411 |
| Net loans and leases to total assets | 58.9467% | 4,471 |
| Net loans and leases to deposits | 63.2920% | 5,349 |
| Net loans and leases to core deposits | 66.6324% | 5,450 |
| Total domestic deposits to total assets | 93.1345% | 126 |
| Equity capital to assets | 6.2439% | 7,257 |
| Core capital (leverage) ratio | 6.5777% | 7,150 |
| Tier 1 risk-based capital ratio | 11.2796% | 6,276 |
| Total risk-based capital ratio | 12.5615% | 6,229 |
| Memoranda: | ||
| Average total assets | $350,474,000 | 1,882 |
| Average earning assets | $323,730,000 | 1,854 |
| Average equity | $21,455,500 | 2,925 |
| Average total loans | $220,991,000 | 1,920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 3,543 |
| Cost of funding earning assets | 1.4465% | 2,981 |
| Net interest margin | 3.7655% | 4,084 |
| Noninterest income to average assets | 0.9745% | 1,590 |
| Noninterest expense to average assets | 4.6639% | 564 |
| Loan and lease loss provision to assets | 1.6694% | 852 |
| Net operating income to assets | -1.8017% | 7,000 |
| Return on assets (ROA) | -0.9406% | 6,684 |
| Pretax return on assets | -1.0035% | 6,644 |
| Return on Equity (ROE) | -14.1713% | 6,890 |
| Retained earnings to average equity (ytd only) | -14.1713% | 6,850 |
| Net charge-offs to loans | 1.6943% | 1,282 |
| Credit loss provision to net charge-offs | 144.5904% | 2,567 |
| Earnings coverage of net charge-offs (x) | -0.2166% | 6,301 |
| Efficiency ratio | 105.6666% | 630 |
| Assets per employee ($millions) | 3.3300% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6782% | 517 |
| Loan loss allowance to noncurrent loans | 40.1076% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 7.9388% | 627 |
| Noncurrent loans to loans | 9.1709% | 501 |
| Net loans and leases to total assets | 62.4748% | 4,177 |
| Net loans and leases to deposits | 66.8539% | 5,283 |
| Net loans and leases to core deposits | 85.2018% | 3,440 |
| Total domestic deposits to total assets | 93.4497% | 112 |
| Equity capital to assets | 6.0015% | 7,343 |
| Core capital (leverage) ratio | 6.4152% | 7,211 |
| Tier 1 risk-based capital ratio | 10.3598% | 6,788 |
| Total risk-based capital ratio | 11.6409% | 6,755 |
| Memoranda: | ||
| Average total assets | $362,638,000 | 1,806 |
| Average earning assets | $331,218,400 | 1,799 |
| Average equity | $24,069,800 | 2,652 |
| Average total loans | $247,117,800 | 1,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 3,505 |
| Cost of funding earning assets | 1.4979% | 2,994 |
| Net interest margin | 3.7680% | 4,102 |
| Noninterest income to average assets | 0.9697% | 1,553 |
| Noninterest expense to average assets | 4.6009% | 537 |
| Loan and lease loss provision to assets | 1.6341% | 788 |
| Net operating income to assets | -1.8284% | 7,191 |
| Return on assets (ROA) | -0.9514% | 6,916 |
| Pretax return on assets | -0.9503% | 6,835 |
| Return on Equity (ROE) | -14.0100% | 7,071 |
| Retained earnings to average equity (ytd only) | -14.0100% | 7,038 |
| Net charge-offs to loans | 1.5963% | 1,235 |
| Credit loss provision to net charge-offs | 148.4899% | 2,631 |
| Earnings coverage of net charge-offs (x) | -0.1756% | 6,162 |
| Efficiency ratio | 104.3835% | 630 |
| Assets per employee ($millions) | 3.2808% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3337% | 614 |
| Loan loss allowance to noncurrent loans | 31.1129% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 9.1752% | 483 |
| Noncurrent loans to loans | 10.7148% | 367 |
| Net loans and leases to total assets | 65.5922% | 3,778 |
| Net loans and leases to deposits | 70.6524% | 5,058 |
| Net loans and leases to core deposits | 75.0360% | 5,173 |
| Total domestic deposits to total assets | 92.8379% | 112 |
| Equity capital to assets | 6.4771% | 7,430 |
| Core capital (leverage) ratio | 6.3646% | 7,370 |
| Tier 1 risk-based capital ratio | 9.5222% | 7,252 |
| Total risk-based capital ratio | 10.7991% | 7,238 |
| Memoranda: | ||
| Average total assets | $365,053,500 | 1,815 |
| Average earning assets | $333,079,750 | 1,819 |
| Average equity | $24,791,250 | 2,615 |
| Average total loans | $251,661,750 | 1,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 3,170 |
| Cost of funding earning assets | 1.5620% | 2,894 |
| Net interest margin | 3.7962% | 3,908 |
| Noninterest income to average assets | 0.9440% | 1,531 |
| Noninterest expense to average assets | 4.5216% | 561 |
| Loan and lease loss provision to assets | 1.8479% | 673 |
| Net operating income to assets | -1.9586% | 7,293 |
| Return on assets (ROA) | -0.9923% | 6,964 |
| Pretax return on assets | -0.9912% | 6,886 |
| Return on Equity (ROE) | -14.3987% | 7,123 |
| Retained earnings to average equity (ytd only) | -14.3987% | 7,082 |
| Net charge-offs to loans | 1.7298% | 1,081 |
| Credit loss provision to net charge-offs | 154.1874% | 2,547 |
| Earnings coverage of net charge-offs (x) | -0.0914% | 5,795 |
| Efficiency ratio | 102.4840% | 724 |
| Assets per employee ($millions) | 3.0563% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1401% | 741 |
| Loan loss allowance to noncurrent loans | 37.2036% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 8.1373% | 599 |
| Noncurrent loans to loans | 8.4402% | 595 |
| Net loans and leases to total assets | 68.0244% | 3,358 |
| Net loans and leases to deposits | 73.5498% | 4,747 |
| Net loans and leases to core deposits | 78.0046% | 4,947 |
| Total domestic deposits to total assets | 92.4875% | 154 |
| Equity capital to assets | 6.8795% | 7,387 |
| Core capital (leverage) ratio | 6.3504% | 7,419 |
| Tier 1 risk-based capital ratio | 9.6726% | 7,192 |
| Total risk-based capital ratio | 10.9474% | 7,173 |
| Memoranda: | ||
| Average total assets | $368,630,000 | 1,817 |
| Average earning assets | $336,754,330 | 1,816 |
| Average equity | $25,405,000 | 2,549 |
| Average total loans | $255,407,670 | 1,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4467% | 2,830 |
| Cost of funding earning assets | 1.6846% | 2,464 |
| Net interest margin | 3.7621% | 3,951 |
| Noninterest income to average assets | 0.8335% | 1,871 |
| Noninterest expense to average assets | 4.4644% | 604 |
| Loan and lease loss provision to assets | 0.2163% | 4,343 |
| Net operating income to assets | -0.3043% | 6,673 |
| Return on assets (ROA) | -0.3043% | 6,727 |
| Pretax return on assets | -0.4061% | 6,722 |
| Return on Equity (ROE) | -4.4124% | 6,849 |
| Retained earnings to average equity (ytd only) | -4.4124% | 6,541 |
| Net charge-offs to loans | 2.6462% | 613 |
| Credit loss provision to net charge-offs | 11.8743% | 5,027 |
| Earnings coverage of net charge-offs (x) | -0.1042% | 5,102 |
| Efficiency ratio | 104.4406% | 714 |
| Assets per employee ($millions) | 3.2010% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 2,200 |
| Loan loss allowance to noncurrent loans | 24.0711% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 7.4909% | 682 |
| Noncurrent loans to loans | 8.2920% | 637 |
| Net loans and leases to total assets | 66.0758% | 3,834 |
| Net loans and leases to deposits | 73.8020% | 4,774 |
| Net loans and leases to core deposits | 78.5475% | 4,955 |
| Total domestic deposits to total assets | 89.5311% | 1,223 |
| Equity capital to assets | 6.9283% | 7,404 |
| Core capital (leverage) ratio | 6.4379% | 7,485 |
| Tier 1 risk-based capital ratio | 9.7385% | 7,187 |
| Total risk-based capital ratio | 10.9977% | 7,182 |
| Memoranda: | ||
| Average total assets | $377,205,000 | 1,820 |
| Average earning assets | $345,015,500 | 1,815 |
| Average equity | $26,017,500 | 2,514 |
| Average total loans | $259,690,000 | 1,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 2,383 |
| Cost of funding earning assets | 2.4173% | 1,250 |
| Net interest margin | 3.4502% | 5,167 |
| Noninterest income to average assets | 0.9193% | 1,874 |
| Noninterest expense to average assets | 4.8941% | 568 |
| Loan and lease loss provision to assets | 3.9142% | 355 |
| Net operating income to assets | -4.8375% | 7,718 |
| Return on assets (ROA) | -4.8309% | 7,718 |
| Pretax return on assets | -4.8553% | 7,682 |
| Return on Equity (ROE) | -55.8224% | 7,731 |
| Retained earnings to average equity (ytd only) | -55.8224% | 7,726 |
| Net charge-offs to loans | 5.0104% | 261 |
| Credit loss provision to net charge-offs | 111.7548% | 4,913 |
| Earnings coverage of net charge-offs (x) | -0.2706% | 6,516 |
| Efficiency ratio | 124.0146% | 543 |
| Assets per employee ($millions) | 3.0885% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4558% | 1,279 |
| Loan loss allowance to noncurrent loans | 52.0448% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 4.7924% | 1,312 |
| Noncurrent loans to loans | 4.7187% | 1,477 |
| Net loans and leases to total assets | 68.5248% | 3,585 |
| Net loans and leases to deposits | 76.3625% | 4,674 |
| Net loans and leases to core deposits | 105.4841% | 3,397 |
| Total domestic deposits to total assets | 89.7362% | 1,086 |
| Equity capital to assets | 6.8670% | 7,433 |
| Core capital (leverage) ratio | 6.4508% | 7,507 |
| Tier 1 risk-based capital ratio | 9.3707% | 7,291 |
| Total risk-based capital ratio | 10.6360% | 7,271 |
| Memoranda: | ||
| Average total assets | $422,384,000 | 1,635 |
| Average earning assets | $370,584,200 | 1,698 |
| Average equity | $36,553,400 | 1,842 |
| Average total loans | $295,265,200 | 1,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 2,503 |
| Cost of funding earning assets | 2.5984% | 1,038 |
| Net interest margin | 3.2898% | 5,683 |
| Noninterest income to average assets | 0.9629% | 1,730 |
| Noninterest expense to average assets | 4.4959% | 748 |
| Loan and lease loss provision to assets | 3.4591% | 383 |
| Net operating income to assets | -2.9449% | 7,572 |
| Return on assets (ROA) | -2.9372% | 7,571 |
| Pretax return on assets | -4.1187% | 7,706 |
| Return on Equity (ROE) | -32.4696% | 7,654 |
| Retained earnings to average equity (ytd only) | -32.4696% | 7,641 |
| Net charge-offs to loans | 5.2721% | 193 |
| Credit loss provision to net charge-offs | 93.9612% | 5,375 |
| Earnings coverage of net charge-offs (x) | -0.1821% | 6,270 |
| Efficiency ratio | 117.5225% | 636 |
| Assets per employee ($millions) | 2.8015% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 3,731 |
| Loan loss allowance to noncurrent loans | 24.8890% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 5.7632% | 964 |
| Noncurrent loans to loans | 5.7895% | 1,050 |
| Net loans and leases to total assets | 72.9429% | 2,812 |
| Net loans and leases to deposits | 84.6860% | 3,536 |
| Net loans and leases to core deposits | 117.7608% | 2,439 |
| Total domestic deposits to total assets | 86.1334% | 2,624 |
| Equity capital to assets | 9.1634% | 5,233 |
| Core capital (leverage) ratio | 7.1329% | 7,330 |
| Tier 1 risk-based capital ratio | 9.7052% | 7,234 |
| Total risk-based capital ratio | 10.9572% | 7,188 |
| Memoranda: | ||
| Average total assets | $433,007,500 | 1,612 |
| Average earning assets | $376,786,500 | 1,684 |
| Average equity | $39,170,000 | 1,735 |
| Average total loans | $302,363,250 | 1,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 2,630 |
| Cost of funding earning assets | 2.7668% | 859 |
| Net interest margin | 3.1230% | 6,174 |
| Noninterest income to average assets | 1.0053% | 1,580 |
| Noninterest expense to average assets | 4.3720% | 872 |
| Loan and lease loss provision to assets | 3.9345% | 324 |
| Net operating income to assets | -2.7736% | 7,623 |
| Return on assets (ROA) | -2.7636% | 7,616 |
| Pretax return on assets | -4.5971% | 7,818 |
| Return on Equity (ROE) | -30.6639% | 7,721 |
| Retained earnings to average equity (ytd only) | -30.6639% | 7,693 |
| Net charge-offs to loans | 4.6274% | 277 |
| Credit loss provision to net charge-offs | 123.8756% | 3,756 |
| Earnings coverage of net charge-offs (x) | -0.2135% | 5,896 |
| Efficiency ratio | 118.3614% | 694 |
| Assets per employee ($millions) | 3.0330% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 1,248 |
| Loan loss allowance to noncurrent loans | 31.2392% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 6.6125% | 679 |
| Noncurrent loans to loans | 7.0365% | 690 |
| Net loans and leases to total assets | 69.2974% | 3,880 |
| Net loans and leases to deposits | 78.8594% | 4,724 |
| Net loans and leases to core deposits | 117.6903% | 2,571 |
| Total domestic deposits to total assets | 87.8745% | 1,828 |
| Equity capital to assets | 9.0131% | 5,295 |
| Core capital (leverage) ratio | 6.9693% | 7,560 |
| Tier 1 risk-based capital ratio | 9.7418% | 7,192 |
| Total risk-based capital ratio | 11.0018% | 7,124 |
| Memoranda: | ||
| Average total assets | $449,410,330 | 1,572 |
| Average earning assets | $386,876,670 | 1,676 |
| Average equity | $40,503,670 | 1,674 |
| Average total loans | $308,468,670 | 1,603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0206% | 2,277 |
| Cost of funding earning assets | 2.8717% | 827 |
| Net interest margin | 3.1489% | 6,023 |
| Noninterest income to average assets | 0.8708% | 1,981 |
| Noninterest expense to average assets | 4.1021% | 1,060 |
| Loan and lease loss provision to assets | 5.4324% | 143 |
| Net operating income to assets | -3.6168% | 7,935 |
| Return on assets (ROA) | -3.6168% | 7,927 |
| Pretax return on assets | -5.9858% | 8,047 |
| Return on Equity (ROE) | -40.1308% | 7,987 |
| Retained earnings to average equity (ytd only) | -40.1308% | 7,965 |
| Net charge-offs to loans | 8.3799% | 88 |
| Credit loss provision to net charge-offs | 95.8403% | 3,877 |
| Earnings coverage of net charge-offs (x) | -0.0976% | 5,073 |
| Efficiency ratio | 115.5917% | 701 |
| Assets per employee ($millions) | 3.2083% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 3,114 |
| Loan loss allowance to noncurrent loans | 26.9752% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 5.0848% | 885 |
| Noncurrent loans to loans | 5.4706% | 941 |
| Net loans and leases to total assets | 66.5489% | 4,454 |
| Net loans and leases to deposits | 75.2774% | 5,313 |
| Net loans and leases to core deposits | 117.7513% | 2,622 |
| Total domestic deposits to total assets | 88.4049% | 1,523 |
| Equity capital to assets | 8.8001% | 5,626 |
| Core capital (leverage) ratio | 7.3912% | 7,284 |
| Tier 1 risk-based capital ratio | 10.2404% | 6,659 |
| Total risk-based capital ratio | 11.4918% | 6,580 |
| Memoranda: | ||
| Average total assets | $464,837,000 | 1,537 |
| Average earning assets | $395,309,500 | 1,653 |
| Average equity | $41,893,000 | 1,628 |
| Average total loans | $314,419,000 | 1,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5290% | 2,812 |
| Cost of funding earning assets | 3.3478% | 813 |
| Net interest margin | 3.1811% | 6,422 |
| Noninterest income to average assets | 1.1099% | 1,271 |
| Noninterest expense to average assets | 3.5496% | 2,270 |
| Loan and lease loss provision to assets | 1.7286% | 745 |
| Net operating income to assets | -0.7339% | 7,088 |
| Return on assets (ROA) | -0.7339% | 6,994 |
| Pretax return on assets | -1.3883% | 7,209 |
| Return on Equity (ROE) | -9.3027% | 7,223 |
| Retained earnings to average equity (ytd only) | -9.3027% | 7,003 |
| Net charge-offs to loans | 2.5924% | 358 |
| Credit loss provision to net charge-offs | 88.7353% | 5,708 |
| Earnings coverage of net charge-offs (x) | 0.1747% | 6,143 |
| Efficiency ratio | 91.2500% | 1,427 |
| Assets per employee ($millions) | 3.2924% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 2,699 |
| Loan loss allowance to noncurrent loans | 31.3885% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 4.6338% | 793 |
| Noncurrent loans to loans | 4.7771% | 962 |
| Net loans and leases to total assets | 66.7164% | 4,704 |
| Net loans and leases to deposits | 75.7258% | 5,621 |
| Net loans and leases to core deposits | 122.3368% | 2,470 |
| Total domestic deposits to total assets | 88.1025% | 1,430 |
| Equity capital to assets | 9.2164% | 5,055 |
| Core capital (leverage) ratio | 7.8916% | 6,665 |
| Tier 1 risk-based capital ratio | 11.7465% | 5,020 |
| Total risk-based capital ratio | 12.9981% | 4,934 |
| Memoranda: | ||
| Average total assets | $553,212,000 | 1,229 |
| Average earning assets | $483,475,000 | 1,273 |
| Average equity | $43,643,400 | 1,546 |
| Average total loans | $415,716,000 | 1,157 |