Home > RiverWood Bank > Performance and Condition Ratios
RiverWood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 1,637 |
| Cost of funding earning assets | 1.3922% | 2,248 |
| Net interest margin | 3.8177% | 1,541 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.7047% | 1,725 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0034% | 2,212 |
| Return on assets (ROA) | 1.0085% | 2,177 |
| Pretax return on assets | 1.3990% | 1,634 |
| Return on Equity (ROE) | 13.5600% | 1,589 |
| Retained earnings to average equity (ytd only) | 8.8215% | 1,299 |
| Net charge-offs to loans | 0.0185% | 1,990 |
| Credit loss provision to net charge-offs | 110.5882% | 1,753 |
| Earnings coverage of net charge-offs (x) | 99.8588% | 907 |
| Efficiency ratio | 65.7549% | 2,382 |
| Assets per employee ($millions) | 6.2791% | 2,570 |
| Cash dividends to net income (ytd only)* | 34.9679% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,369 |
| Loan loss allowance to noncurrent loans | 125.7155% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 700 |
| Noncurrent loans to loans | 0.9452% | 785 |
| Net loans and leases to total assets | 76.9700% | 975 |
| Net loans and leases to deposits | 87.7281% | 1,462 |
| Net loans and leases to core deposits | 95.0332% | 1,707 |
| Total domestic deposits to total assets | 87.7400% | 1,441 |
| Equity capital to assets | 7.6259% | 3,644 |
| Core capital (leverage) ratio | 8.4739% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0658% | 2,567 |
| Memoranda: | ||
| Average total assets | $602,574,200 | 1,470 |
| Average earning assets | $554,388,600 | 1,484 |
| Average equity | $44,799,400 | 1,738 |
| Average total loans | $460,661,600 | 1,324 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 1,660 |
| Cost of funding earning assets | 1.2437% | 2,293 |
| Net interest margin | 3.8405% | 1,513 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.7444% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0111% | 2,338 |
| Return on assets (ROA) | 1.0148% | 2,308 |
| Pretax return on assets | 1.3982% | 1,783 |
| Return on Equity (ROE) | 13.7400% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.2112% | 1,633 |
| Net charge-offs to loans | 0.0358% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 51.2131% | 1,301 |
| Efficiency ratio | 66.3235% | 2,235 |
| Assets per employee ($millions) | 6.2100% | 2,554 |
| Cash dividends to net income (ytd only)* | 32.9670% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,271 |
| Loan loss allowance to noncurrent loans | 4,170.0730% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,733 |
| Noncurrent loans to loans | 0.0292% | 3,564 |
| Net loans and leases to total assets | 75.3600% | 1,192 |
| Net loans and leases to deposits | 84.5059% | 1,699 |
| Net loans and leases to core deposits | 90.9651% | 1,857 |
| Total domestic deposits to total assets | 89.1700% | 1,195 |
| Equity capital to assets | 7.1877% | 3,519 |
| Core capital (leverage) ratio | 8.5424% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1817% | 2,558 |
| Memoranda: | ||
| Average total assets | $597,810,500 | 1,483 |
| Average earning assets | $548,150,750 | 1,499 |
| Average equity | $44,148,000 | 1,743 |
| Average total loans | $454,765,250 | 1,327 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 1,675 |
| Cost of funding earning assets | 1.0840% | 2,342 |
| Net interest margin | 3.8570% | 1,512 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7057% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0426% | 2,277 |
| Return on assets (ROA) | 1.0464% | 2,268 |
| Pretax return on assets | 1.4334% | 1,741 |
| Return on Equity (ROE) | 14.0400% | 1,673 |
| Retained earnings to average equity (ytd only) | 9.5073% | 1,537 |
| Net charge-offs to loans | 0.0151% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 124.4118% | 829 |
| Efficiency ratio | 65.4440% | 2,317 |
| Assets per employee ($millions) | 5.8587% | 2,835 |
| Cash dividends to net income (ytd only)* | 32.2789% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,092 |
| Loan loss allowance to noncurrent loans | 2,479.4872% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 2,263 |
| Noncurrent loans to loans | 0.0511% | 3,340 |
| Net loans and leases to total assets | 75.6900% | 1,085 |
| Net loans and leases to deposits | 85.3315% | 1,558 |
| Net loans and leases to core deposits | 91.5428% | 1,711 |
| Total domestic deposits to total assets | 88.7100% | 1,345 |
| Equity capital to assets | 7.5087% | 3,511 |
| Core capital (leverage) ratio | 8.6285% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2643% | 2,546 |
| Memoranda: | ||
| Average total assets | $592,151,000 | 1,497 |
| Average earning assets | $542,241,000 | 1,522 |
| Average equity | $44,134,333 | 1,748 |
| Average total loans | $450,020,667 | 1,323 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 1,604 |
| Cost of funding earning assets | 0.9296% | 2,273 |
| Net interest margin | 3.8776% | 1,517 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.7009% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9944% | 2,550 |
| Return on assets (ROA) | 1.0003% | 2,493 |
| Pretax return on assets | 1.3864% | 1,914 |
| Return on Equity (ROE) | 13.4700% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.9019% | 1,979 |
| Net charge-offs to loans | 0.0117% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 156.3077% | 598 |
| Efficiency ratio | 66.2009% | 2,186 |
| Assets per employee ($millions) | 6.1626% | 2,619 |
| Cash dividends to net income (ytd only)* | 33.9213% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,971 |
| Loan loss allowance to noncurrent loans | 2,376.7347% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,060 |
| Noncurrent loans to loans | 0.0553% | 3,344 |
| Net loans and leases to total assets | 73.9200% | 1,213 |
| Net loans and leases to deposits | 81.4717% | 1,710 |
| Net loans and leases to core deposits | 84.6011% | 1,952 |
| Total domestic deposits to total assets | 90.7300% | 898 |
| Equity capital to assets | 7.5765% | 3,521 |
| Core capital (leverage) ratio | 8.4077% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4171% | 2,597 |
| Memoranda: | ||
| Average total assets | $589,435,000 | 1,524 |
| Average earning assets | $538,274,000 | 1,542 |
| Average equity | $43,766,000 | 1,773 |
| Average total loans | $445,964,000 | 1,344 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 1,470 |
| Cost of funding earning assets | 0.3222% | 2,706 |
| Net interest margin | 3.7809% | 1,198 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.6943% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9881% | 2,612 |
| Return on assets (ROA) | 0.9873% | 2,566 |
| Pretax return on assets | 1.3683% | 1,874 |
| Return on Equity (ROE) | 13.0700% | 1,789 |
| Retained earnings to average equity (ytd only) | 13.0715% | 502 |
| Net charge-offs to loans | -0.0017% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3032% | 2,188 |
| Assets per employee ($millions) | 5.9925% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,895 |
| Loan loss allowance to noncurrent loans | 597.9508% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 1,157 |
| Noncurrent loans to loans | 0.2175% | 2,402 |
| Net loans and leases to total assets | 75.4300% | 1,071 |
| Net loans and leases to deposits | 84.3680% | 1,436 |
| Net loans and leases to core deposits | 88.5161% | 1,581 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 7.2725% | 3,506 |
| Core capital (leverage) ratio | 8.4442% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0352% | 2,723 |
| Memoranda: | ||
| Average total assets | $566,411,800 | 1,571 |
| Average earning assets | $518,557,000 | 1,585 |
| Average equity | $42,780,000 | 1,831 |
| Average total loans | $407,684,800 | 1,372 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 1,423 |
| Cost of funding earning assets | 0.2413% | 2,806 |
| Net interest margin | 3.6834% | 1,178 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.7274% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9336% | 2,745 |
| Return on assets (ROA) | 0.9313% | 2,719 |
| Pretax return on assets | 1.2872% | 2,090 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | 12.2122% | 747 |
| Net charge-offs to loans | -0.0084% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.8888% | 2,048 |
| Assets per employee ($millions) | 6.0026% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,762 |
| Loan loss allowance to noncurrent loans | 588.3417% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 1,014 |
| Noncurrent loans to loans | 0.2312% | 2,464 |
| Net loans and leases to total assets | 74.4500% | 1,062 |
| Net loans and leases to deposits | 82.0629% | 1,443 |
| Net loans and leases to core deposits | 83.7587% | 1,671 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 7.2178% | 3,396 |
| Core capital (leverage) ratio | 8.1791% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0599% | 2,798 |
| Memoranda: | ||
| Average total assets | $561,198,750 | 1,592 |
| Average earning assets | $515,014,750 | 1,606 |
| Average equity | $42,797,750 | 1,855 |
| Average total loans | $397,408,250 | 1,393 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 1,482 |
| Cost of funding earning assets | 0.2270% | 2,551 |
| Net interest margin | 3.4970% | 1,319 |
| Noninterest income to average assets | 0.7822% | 1,091 |
| Noninterest expense to average assets | 2.6579% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9657% | 2,290 |
| Return on assets (ROA) | 0.9621% | 2,281 |
| Pretax return on assets | 1.3322% | 1,637 |
| Return on Equity (ROE) | 12.3893% | 1,554 |
| Retained earnings to average equity (ytd only) | 12.3893% | 550 |
| Net charge-offs to loans | -0.0331% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5351% | 2,437 |
| Assets per employee ($millions) | 5.6970% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,597 |
| Loan loss allowance to noncurrent loans | 336.1666% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 654 |
| Noncurrent loans to loans | 0.4281% | 1,839 |
| Net loans and leases to total assets | 72.2812% | 1,077 |
| Net loans and leases to deposits | 79.8746% | 1,397 |
| Net loans and leases to core deposits | 81.7086% | 1,610 |
| Total domestic deposits to total assets | 90.4934% | 1,468 |
| Equity capital to assets | 7.4875% | 3,492 |
| Core capital (leverage) ratio | 8.1621% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0439% | 2,806 |
| Memoranda: | ||
| Average total assets | $558,183,000 | 1,602 |
| Average earning assets | $512,777,667 | 1,631 |
| Average equity | $43,344,000 | 1,880 |
| Average total loans | $386,413,000 | 1,418 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 1,728 |
| Cost of funding earning assets | 0.2319% | 2,370 |
| Net interest margin | 3.2921% | 1,587 |
| Noninterest income to average assets | 0.7819% | 1,085 |
| Noninterest expense to average assets | 2.5815% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8911% | 2,307 |
| Return on assets (ROA) | 0.8865% | 2,329 |
| Pretax return on assets | 1.2263% | 1,714 |
| Return on Equity (ROE) | 11.2163% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.2163% | 740 |
| Net charge-offs to loans | -0.0832% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6940% | 2,541 |
| Assets per employee ($millions) | 5.8980% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,415 |
| Loan loss allowance to noncurrent loans | 327.4390% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 666 |
| Noncurrent loans to loans | 0.4716% | 1,843 |
| Net loans and leases to total assets | 66.5144% | 1,364 |
| Net loans and leases to deposits | 73.6791% | 1,636 |
| Net loans and leases to core deposits | 75.0687% | 1,845 |
| Total domestic deposits to total assets | 90.2758% | 1,399 |
| Equity capital to assets | 7.6079% | 3,851 |
| Core capital (leverage) ratio | 8.0744% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3982% | 2,807 |
| Memoranda: | ||
| Average total assets | $558,122,500 | 1,606 |
| Average earning assets | $513,963,500 | 1,639 |
| Average equity | $44,114,500 | 1,916 |
| Average total loans | $374,898,500 | 1,445 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 1,806 |
| Cost of funding earning assets | 0.3338% | 2,081 |
| Net interest margin | 3.4917% | 1,761 |
| Noninterest income to average assets | 0.9093% | 1,177 |
| Noninterest expense to average assets | 2.6557% | 1,740 |
| Loan and lease loss provision to assets | 0.0141% | 2,802 |
| Net operating income to assets | 1.0468% | 2,491 |
| Return on assets (ROA) | 1.0535% | 2,543 |
| Pretax return on assets | 1.4591% | 1,854 |
| Return on Equity (ROE) | 12.6998% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.1536% | 1,475 |
| Net charge-offs to loans | -0.0450% | 4,285 |
| Credit loss provision to net charge-offs | -47.7707% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4518% | 2,488 |
| Assets per employee ($millions) | 5.6705% | 3,101 |
| Cash dividends to net income (ytd only)* | 35.7974% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,290 |
| Loan loss allowance to noncurrent loans | 3,532.7273% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 1,133 |
| Noncurrent loans to loans | 0.0449% | 3,754 |
| Net loans and leases to total assets | 65.7140% | 1,507 |
| Net loans and leases to deposits | 73.3669% | 1,783 |
| Net loans and leases to core deposits | 75.6717% | 1,944 |
| Total domestic deposits to total assets | 89.5690% | 1,195 |
| Equity capital to assets | 8.2090% | 4,228 |
| Core capital (leverage) ratio | 8.0374% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7306% | 2,718 |
| Memoranda: | ||
| Average total assets | $530,327,000 | 1,623 |
| Average earning assets | $487,734,200 | 1,641 |
| Average equity | $43,992,800 | 1,951 |
| Average total loans | $349,002,200 | 1,521 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 1,822 |
| Cost of funding earning assets | 0.3509% | 2,108 |
| Net interest margin | 3.5272% | 1,793 |
| Noninterest income to average assets | 0.8707% | 1,323 |
| Noninterest expense to average assets | 2.6983% | 1,591 |
| Loan and lease loss provision to assets | 0.0190% | 2,627 |
| Net operating income to assets | 1.0092% | 2,871 |
| Return on assets (ROA) | 1.0166% | 2,911 |
| Pretax return on assets | 1.4046% | 2,316 |
| Return on Equity (ROE) | 12.2217% | 1,970 |
| Retained earnings to average equity (ytd only) | 7.6454% | 2,165 |
| Net charge-offs to loans | 0.0077% | 2,027 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 278.6500% | 456 |
| Efficiency ratio | 65.6115% | 2,158 |
| Assets per employee ($millions) | 5.5808% | 3,111 |
| Cash dividends to net income (ytd only)* | 37.4438% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,323 |
| Loan loss allowance to noncurrent loans | 1,048.6085% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,040 |
| Noncurrent loans to loans | 0.1533% | 3,356 |
| Net loans and leases to total assets | 64.5687% | 1,702 |
| Net loans and leases to deposits | 72.4594% | 2,006 |
| Net loans and leases to core deposits | 75.0380% | 2,137 |
| Total domestic deposits to total assets | 89.1103% | 1,221 |
| Equity capital to assets | 8.3487% | 4,308 |
| Core capital (leverage) ratio | 8.1465% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3277% | 2,605 |
| Memoranda: | ||
| Average total assets | $525,398,500 | 1,645 |
| Average earning assets | $482,897,750 | 1,670 |
| Average equity | $43,702,750 | 1,981 |
| Average total loans | $344,432,000 | 1,568 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 2,089 |
| Cost of funding earning assets | 0.3738% | 2,099 |
| Net interest margin | 3.4187% | 2,084 |
| Noninterest income to average assets | 0.9829% | 1,105 |
| Noninterest expense to average assets | 2.5984% | 1,860 |
| Loan and lease loss provision to assets | 0.0287% | 2,408 |
| Net operating income to assets | 1.0787% | 2,611 |
| Return on assets (ROA) | 1.0875% | 2,656 |
| Pretax return on assets | 1.5032% | 2,000 |
| Return on Equity (ROE) | 13.0902% | 1,678 |
| Retained earnings to average equity (ytd only) | 8.4777% | 1,904 |
| Net charge-offs to loans | 0.0070% | 1,879 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 330.7500% | 351 |
| Efficiency ratio | 63.0791% | 2,558 |
| Assets per employee ($millions) | 5.4071% | 3,233 |
| Cash dividends to net income (ytd only)* | 35.2361% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,206 |
| Loan loss allowance to noncurrent loans | 515.0136% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 808 |
| Noncurrent loans to loans | 0.3170% | 2,782 |
| Net loans and leases to total assets | 65.0305% | 1,825 |
| Net loans and leases to deposits | 73.0586% | 2,100 |
| Net loans and leases to core deposits | 76.2358% | 2,216 |
| Total domestic deposits to total assets | 89.0114% | 1,278 |
| Equity capital to assets | 8.3866% | 4,293 |
| Core capital (leverage) ratio | 7.9500% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2944% | 2,612 |
| Memoranda: | ||
| Average total assets | $521,944,333 | 1,650 |
| Average earning assets | $478,836,333 | 1,670 |
| Average equity | $43,360,667 | 1,980 |
| Average total loans | $342,047,333 | 1,591 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 2,874 |
| Cost of funding earning assets | 0.4041% | 2,061 |
| Net interest margin | 3.1114% | 2,953 |
| Noninterest income to average assets | 1.2038% | 851 |
| Noninterest expense to average assets | 2.5652% | 1,972 |
| Loan and lease loss provision to assets | 0.0576% | 1,966 |
| Net operating income to assets | 1.0361% | 2,691 |
| Return on assets (ROA) | 1.0494% | 2,719 |
| Pretax return on assets | 1.4489% | 2,142 |
| Return on Equity (ROE) | 12.6930% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.0469% | 2,219 |
| Net charge-offs to loans | 0.0035% | 1,802 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 646.3333% | 155 |
| Efficiency ratio | 63.2626% | 2,566 |
| Assets per employee ($millions) | 5.5104% | 3,104 |
| Cash dividends to net income (ytd only)* | 36.6032% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,131 |
| Loan loss allowance to noncurrent loans | 475.1886% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 766 |
| Noncurrent loans to loans | 0.3503% | 2,829 |
| Net loans and leases to total assets | 62.6524% | 2,209 |
| Net loans and leases to deposits | 70.0556% | 2,498 |
| Net loans and leases to core deposits | 73.2478% | 2,585 |
| Total domestic deposits to total assets | 89.4325% | 1,105 |
| Equity capital to assets | 7.9670% | 4,510 |
| Core capital (leverage) ratio | 7.9785% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3575% | 2,545 |
| Memoranda: | ||
| Average total assets | $520,671,000 | 1,635 |
| Average earning assets | $477,088,500 | 1,655 |
| Average equity | $43,047,500 | 1,981 |
| Average total loans | $339,701,500 | 1,598 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 1,478 |
| Cost of funding earning assets | 0.7665% | 1,365 |
| Net interest margin | 3.6695% | 1,912 |
| Noninterest income to average assets | 1.1118% | 862 |
| Noninterest expense to average assets | 2.8080% | 1,921 |
| Loan and lease loss provision to assets | 0.3771% | 863 |
| Net operating income to assets | 0.9116% | 2,642 |
| Return on assets (ROA) | 0.9361% | 2,685 |
| Pretax return on assets | 1.2927% | 2,004 |
| Return on Equity (ROE) | 10.6896% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.8018% | 1,459 |
| Net charge-offs to loans | 0.1605% | 1,017 |
| Credit loss provision to net charge-offs | 331.4917% | 1,632 |
| Earnings coverage of net charge-offs (x) | 14.4052% | 2,216 |
| Efficiency ratio | 63.1472% | 2,952 |
| Assets per employee ($millions) | 5.1718% | 3,197 |
| Cash dividends to net income (ytd only)* | 36.3697% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,158 |
| Loan loss allowance to noncurrent loans | 480.4292% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 755 |
| Noncurrent loans to loans | 0.3438% | 2,973 |
| Net loans and leases to total assets | 65.7522% | 2,130 |
| Net loans and leases to deposits | 74.8695% | 2,390 |
| Net loans and leases to core deposits | 78.5004% | 2,511 |
| Total domestic deposits to total assets | 87.8225% | 1,566 |
| Equity capital to assets | 8.5848% | 4,384 |
| Core capital (leverage) ratio | 8.0113% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2389% | 2,536 |
| Memoranda: | ||
| Average total assets | $477,312,800 | 1,619 |
| Average earning assets | $433,788,600 | 1,647 |
| Average equity | $41,797,600 | 1,952 |
| Average total loans | $338,409,600 | 1,542 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,507 |
| Cost of funding earning assets | 0.8397% | 1,314 |
| Net interest margin | 3.6882% | 1,981 |
| Noninterest income to average assets | 1.0725% | 906 |
| Noninterest expense to average assets | 2.8395% | 1,854 |
| Loan and lease loss provision to assets | 0.4043% | 865 |
| Net operating income to assets | 0.8528% | 2,899 |
| Return on assets (ROA) | 0.8824% | 2,891 |
| Pretax return on assets | 1.2146% | 2,346 |
| Return on Equity (ROE) | 10.0233% | 2,014 |
| Retained earnings to average equity (ytd only) | 6.3975% | 1,922 |
| Net charge-offs to loans | 0.2128% | 716 |
| Credit loss provision to net charge-offs | 263.8889% | 1,878 |
| Earnings coverage of net charge-offs (x) | 10.3222% | 2,364 |
| Efficiency ratio | 64.2280% | 2,698 |
| Assets per employee ($millions) | 5.2251% | 2,988 |
| Cash dividends to net income (ytd only)* | 36.1736% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,286 |
| Loan loss allowance to noncurrent loans | 338.1877% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 717 |
| Noncurrent loans to loans | 0.4536% | 2,689 |
| Net loans and leases to total assets | 68.2868% | 2,196 |
| Net loans and leases to deposits | 77.5294% | 2,586 |
| Net loans and leases to core deposits | 81.3340% | 2,720 |
| Total domestic deposits to total assets | 88.0786% | 1,186 |
| Equity capital to assets | 8.6846% | 4,342 |
| Core capital (leverage) ratio | 8.1223% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4440% | 2,441 |
| Memoranda: | ||
| Average total assets | $469,932,000 | 1,619 |
| Average earning assets | $426,645,750 | 1,647 |
| Average equity | $41,369,250 | 1,956 |
| Average total loans | $338,298,750 | 1,537 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 1,494 |
| Cost of funding earning assets | 0.9108% | 1,325 |
| Net interest margin | 3.7540% | 1,976 |
| Noninterest income to average assets | 1.0059% | 972 |
| Noninterest expense to average assets | 2.8052% | 2,088 |
| Loan and lease loss provision to assets | 0.4537% | 848 |
| Net operating income to assets | 0.8293% | 2,943 |
| Return on assets (ROA) | 0.8413% | 3,007 |
| Pretax return on assets | 1.1567% | 2,516 |
| Return on Equity (ROE) | 9.5113% | 2,145 |
| Retained earnings to average equity (ytd only) | 5.8475% | 2,141 |
| Net charge-offs to loans | 0.2809% | 566 |
| Credit loss provision to net charge-offs | 221.5190% | 1,838 |
| Earnings coverage of net charge-offs (x) | 7.7890% | 2,339 |
| Efficiency ratio | 63.7471% | 2,857 |
| Assets per employee ($millions) | 5.1476% | 3,000 |
| Cash dividends to net income (ytd only)* | 38.5208% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,582 |
| Loan loss allowance to noncurrent loans | 107.8543% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.9419% | 385 |
| Noncurrent loans to loans | 1.2986% | 1,198 |
| Net loans and leases to total assets | 70.7698% | 1,913 |
| Net loans and leases to deposits | 80.4866% | 2,373 |
| Net loans and leases to core deposits | 85.2388% | 2,502 |
| Total domestic deposits to total assets | 87.9274% | 1,221 |
| Equity capital to assets | 8.5854% | 4,425 |
| Core capital (leverage) ratio | 8.1272% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8413% | 2,673 |
| Memoranda: | ||
| Average total assets | $462,856,667 | 1,621 |
| Average earning assets | $418,537,667 | 1,653 |
| Average equity | $40,940,667 | 1,958 |
| Average total loans | $337,524,667 | 1,521 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 1,906 |
| Cost of funding earning assets | 0.9991% | 1,424 |
| Net interest margin | 3.6325% | 2,562 |
| Noninterest income to average assets | 0.8244% | 1,243 |
| Noninterest expense to average assets | 2.8387% | 2,311 |
| Loan and lease loss provision to assets | 0.1556% | 1,845 |
| Net operating income to assets | 0.7960% | 2,924 |
| Return on assets (ROA) | 0.7960% | 3,012 |
| Pretax return on assets | 1.0957% | 2,538 |
| Return on Equity (ROE) | 8.8572% | 2,168 |
| Retained earnings to average equity (ytd only) | 5.1461% | 2,212 |
| Net charge-offs to loans | 0.4716% | 309 |
| Credit loss provision to net charge-offs | 44.8718% | 2,073 |
| Earnings coverage of net charge-offs (x) | 3.6077% | 2,197 |
| Efficiency ratio | 69.4064% | 2,449 |
| Assets per employee ($millions) | 4.7814% | 2,894 |
| Cash dividends to net income (ytd only)* | 41.8994% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,346 |
| Loan loss allowance to noncurrent loans | 196.1484% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6263% | 622 |
| Noncurrent loans to loans | 0.6417% | 2,387 |
| Net loans and leases to total assets | 71.2418% | 2,046 |
| Net loans and leases to deposits | 81.6291% | 2,503 |
| Net loans and leases to core deposits | 87.5272% | 2,563 |
| Total domestic deposits to total assets | 87.2750% | 1,436 |
| Equity capital to assets | 9.0441% | 4,577 |
| Core capital (leverage) ratio | 8.5203% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5800% | 2,901 |
| Memoranda: | ||
| Average total assets | $449,776,000 | 1,612 |
| Average earning assets | $404,348,500 | 1,656 |
| Average equity | $40,419,000 | 1,974 |
| Average total loans | $330,790,500 | 1,521 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,648 |
| Cost of funding earning assets | 1.0948% | 1,349 |
| Net interest margin | 3.8405% | 2,371 |
| Noninterest income to average assets | 0.7800% | 1,517 |
| Noninterest expense to average assets | 2.8506% | 2,438 |
| Loan and lease loss provision to assets | 0.0986% | 2,076 |
| Net operating income to assets | 0.9284% | 3,099 |
| Return on assets (ROA) | 0.9350% | 3,155 |
| Pretax return on assets | 1.2939% | 2,524 |
| Return on Equity (ROE) | 10.5448% | 2,067 |
| Retained earnings to average equity (ytd only) | 6.9470% | 1,411 |
| Net charge-offs to loans | 0.0170% | 3,107 |
| Credit loss provision to net charge-offs | 772.7273% | 426 |
| Earnings coverage of net charge-offs (x) | 108.4727% | 639 |
| Efficiency ratio | 67.3150% | 2,561 |
| Assets per employee ($millions) | 4.6876% | 2,961 |
| Cash dividends to net income (ytd only)* | 34.1191% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 1,921 |
| Loan loss allowance to noncurrent loans | 178.1609% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 549 |
| Noncurrent loans to loans | 0.7297% | 2,057 |
| Net loans and leases to total assets | 73.9947% | 1,753 |
| Net loans and leases to deposits | 85.8444% | 2,108 |
| Net loans and leases to core deposits | 93.5609% | 2,109 |
| Total domestic deposits to total assets | 86.1962% | 1,985 |
| Equity capital to assets | 8.9277% | 4,719 |
| Core capital (leverage) ratio | 8.5587% | 4,812 |
| Tier 1 risk-based capital ratio | 11.0883% | 4,822 |
| Total risk-based capital ratio | 12.3388% | 4,718 |
| Memoranda: | ||
| Average total assets | $431,038,400 | 1,623 |
| Average earning assets | $387,739,000 | 1,677 |
| Average equity | $38,218,000 | 2,001 |
| Average total loans | $324,278,000 | 1,514 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 1,694 |
| Cost of funding earning assets | 1.1100% | 1,308 |
| Net interest margin | 3.8339% | 2,491 |
| Noninterest income to average assets | 0.7180% | 1,710 |
| Noninterest expense to average assets | 2.8583% | 2,385 |
| Loan and lease loss provision to assets | 0.1092% | 1,782 |
| Net operating income to assets | 0.8726% | 3,441 |
| Return on assets (ROA) | 0.8814% | 3,494 |
| Pretax return on assets | 1.2158% | 2,933 |
| Return on Equity (ROE) | 9.9593% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.4351% | 2,149 |
| Net charge-offs to loans | 0.0220% | 2,663 |
| Credit loss provision to net charge-offs | 660.3774% | 505 |
| Earnings coverage of net charge-offs (x) | 79.4772% | 865 |
| Efficiency ratio | 68.5108% | 2,336 |
| Assets per employee ($millions) | 4.6069% | 3,044 |
| Cash dividends to net income (ytd only)* | 35.3857% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 1,993 |
| Loan loss allowance to noncurrent loans | 150.0352% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 532 |
| Noncurrent loans to loans | 0.8625% | 1,860 |
| Net loans and leases to total assets | 75.1563% | 1,629 |
| Net loans and leases to deposits | 86.7257% | 2,104 |
| Net loans and leases to core deposits | 97.9104% | 1,832 |
| Total domestic deposits to total assets | 86.6598% | 1,702 |
| Equity capital to assets | 9.0486% | 4,758 |
| Core capital (leverage) ratio | 8.4907% | 4,951 |
| Tier 1 risk-based capital ratio | 11.0586% | 4,884 |
| Total risk-based capital ratio | 12.3092% | 4,774 |
| Memoranda: | ||
| Average total assets | $427,468,000 | 1,646 |
| Average earning assets | $385,111,500 | 1,701 |
| Average equity | $37,833,250 | 2,029 |
| Average total loans | $321,884,250 | 1,533 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 1,641 |
| Cost of funding earning assets | 1.1030% | 1,287 |
| Net interest margin | 3.8354% | 2,459 |
| Noninterest income to average assets | 0.6236% | 2,047 |
| Noninterest expense to average assets | 2.7612% | 2,715 |
| Loan and lease loss provision to assets | 0.0705% | 2,409 |
| Net operating income to assets | 0.9032% | 3,268 |
| Return on assets (ROA) | 0.9032% | 3,336 |
| Pretax return on assets | 1.2462% | 2,763 |
| Return on Equity (ROE) | 10.2828% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.6078% | 1,556 |
| Net charge-offs to loans | 0.0144% | 2,622 |
| Credit loss provision to net charge-offs | 652.1739% | 494 |
| Earnings coverage of net charge-offs (x) | 121.8261% | 599 |
| Efficiency ratio | 67.7115% | 2,584 |
| Assets per employee ($millions) | 4.7826% | 2,762 |
| Cash dividends to net income (ytd only)* | 26.0146% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,273 |
| Loan loss allowance to noncurrent loans | 196.8765% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6606% | 640 |
| Noncurrent loans to loans | 0.6334% | 2,354 |
| Net loans and leases to total assets | 74.5538% | 1,794 |
| Net loans and leases to deposits | 85.4912% | 2,316 |
| Net loans and leases to core deposits | 99.9101% | 1,731 |
| Total domestic deposits to total assets | 87.2064% | 1,496 |
| Equity capital to assets | 8.9101% | 4,847 |
| Core capital (leverage) ratio | 8.4020% | 5,009 |
| Tier 1 risk-based capital ratio | 10.8412% | 4,977 |
| Total risk-based capital ratio | 12.0714% | 4,898 |
| Memoranda: | ||
| Average total assets | $425,607,000 | 1,655 |
| Average earning assets | $383,323,000 | 1,716 |
| Average equity | $37,382,670 | 2,043 |
| Average total loans | $319,268,330 | 1,549 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 2,146 |
| Cost of funding earning assets | 1.0371% | 1,418 |
| Net interest margin | 3.6858% | 2,945 |
| Noninterest income to average assets | 0.5779% | 2,148 |
| Noninterest expense to average assets | 2.7966% | 2,579 |
| Loan and lease loss provision to assets | 0.0713% | 2,237 |
| Net operating income to assets | 0.7481% | 3,776 |
| Return on assets (ROA) | 0.7481% | 3,823 |
| Pretax return on assets | 1.0276% | 3,357 |
| Return on Equity (ROE) | 8.5812% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.1293% | 3,688 |
| Net charge-offs to loans | 0.0280% | 1,898 |
| Credit loss provision to net charge-offs | 340.9091% | 763 |
| Earnings coverage of net charge-offs (x) | 52.5455% | 994 |
| Efficiency ratio | 71.7911% | 2,065 |
| Assets per employee ($millions) | 4.4097% | 3,314 |
| Cash dividends to net income (ytd only)* | 63.5324% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,245 |
| Loan loss allowance to noncurrent loans | 81.3714% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.3762% | 346 |
| Noncurrent loans to loans | 1.5563% | 1,030 |
| Net loans and leases to total assets | 74.0919% | 1,785 |
| Net loans and leases to deposits | 84.6173% | 2,311 |
| Net loans and leases to core deposits | 98.5592% | 1,741 |
| Total domestic deposits to total assets | 87.5612% | 1,542 |
| Equity capital to assets | 8.7261% | 4,865 |
| Core capital (leverage) ratio | 8.3959% | 5,064 |
| Tier 1 risk-based capital ratio | 10.8392% | 5,050 |
| Total risk-based capital ratio | 12.0861% | 4,954 |
| Memoranda: | ||
| Average total assets | $420,802,500 | 1,681 |
| Average earning assets | $378,746,500 | 1,739 |
| Average equity | $36,685,000 | 2,070 |
| Average total loans | $314,619,000 | 1,576 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 2,090 |
| Cost of funding earning assets | 0.8112% | 1,470 |
| Net interest margin | 3.8062% | 2,640 |
| Noninterest income to average assets | 0.6444% | 2,066 |
| Noninterest expense to average assets | 2.9292% | 2,247 |
| Loan and lease loss provision to assets | 0.1063% | 2,073 |
| Net operating income to assets | 0.6903% | 4,163 |
| Return on assets (ROA) | 0.6804% | 4,204 |
| Pretax return on assets | 1.0011% | 3,599 |
| Return on Equity (ROE) | 7.6629% | 3,589 |
| Retained earnings to average equity (ytd only) | 3.4370% | 3,699 |
| Net charge-offs to loans | 0.0488% | 2,457 |
| Credit loss provision to net charge-offs | 287.1622% | 1,060 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,590 |
| Efficiency ratio | 72.3420% | 1,858 |
| Assets per employee ($millions) | 4.6475% | 2,961 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,172 |
| Loan loss allowance to noncurrent loans | 87.2719% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2392% | 381 |
| Noncurrent loans to loans | 1.4601% | 1,050 |
| Net loans and leases to total assets | 73.5382% | 2,005 |
| Net loans and leases to deposits | 85.7099% | 2,311 |
| Net loans and leases to core deposits | 98.9812% | 1,791 |
| Total domestic deposits to total assets | 85.7989% | 2,325 |
| Equity capital to assets | 8.7095% | 4,790 |
| Core capital (leverage) ratio | 8.3872% | 5,073 |
| Tier 1 risk-based capital ratio | 11.0415% | 4,959 |
| Total risk-based capital ratio | 12.2916% | 4,852 |
| Memoranda: | ||
| Average total assets | $399,770,800 | 1,717 |
| Average earning assets | $357,597,200 | 1,776 |
| Average equity | $35,495,800 | 2,053 |
| Average total loans | $303,012,400 | 1,588 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,993 |
| Cost of funding earning assets | 0.7720% | 1,467 |
| Net interest margin | 3.8218% | 2,562 |
| Noninterest income to average assets | 0.6664% | 1,990 |
| Noninterest expense to average assets | 2.9254% | 2,238 |
| Loan and lease loss provision to assets | 0.1181% | 1,718 |
| Net operating income to assets | 0.6907% | 4,253 |
| Return on assets (ROA) | 0.6907% | 4,263 |
| Pretax return on assets | 1.0406% | 3,606 |
| Return on Equity (ROE) | 7.7399% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.0683% | 4,561 |
| Net charge-offs to loans | 0.0656% | 1,891 |
| Credit loss provision to net charge-offs | 236.4865% | 1,230 |
| Earnings coverage of net charge-offs (x) | 23.2025% | 1,848 |
| Efficiency ratio | 71.6292% | 1,949 |
| Assets per employee ($millions) | 4.7377% | 2,797 |
| Cash dividends to net income (ytd only)* | 73.2778% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,333 |
| Loan loss allowance to noncurrent loans | 145.3358% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 2.0455% | 517 |
| Noncurrent loans to loans | 0.8646% | 1,974 |
| Net loans and leases to total assets | 74.2616% | 1,938 |
| Net loans and leases to deposits | 86.7876% | 2,284 |
| Net loans and leases to core deposits | 99.2516% | 1,849 |
| Total domestic deposits to total assets | 85.5670% | 2,366 |
| Equity capital to assets | 8.5593% | 4,888 |
| Core capital (leverage) ratio | 8.4678% | 5,110 |
| Tier 1 risk-based capital ratio | 10.8328% | 5,115 |
| Total risk-based capital ratio | 12.0734% | 5,023 |
| Memoranda: | ||
| Average total assets | $395,144,000 | 1,741 |
| Average earning assets | $353,367,000 | 1,802 |
| Average equity | $35,262,250 | 2,070 |
| Average total loans | $300,874,500 | 1,601 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,936 |
| Cost of funding earning assets | 0.7318% | 1,460 |
| Net interest margin | 3.8192% | 2,503 |
| Noninterest income to average assets | 0.6835% | 1,938 |
| Noninterest expense to average assets | 2.9086% | 2,334 |
| Loan and lease loss provision to assets | 0.0770% | 2,361 |
| Net operating income to assets | 0.7764% | 3,932 |
| Return on assets (ROA) | 0.7764% | 3,937 |
| Pretax return on assets | 1.1097% | 3,273 |
| Return on Equity (ROE) | 8.5772% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.9044% | 4,090 |
| Net charge-offs to loans | 0.0027% | 3,103 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 577.7500% | 152 |
| Efficiency ratio | 71.0219% | 2,160 |
| Assets per employee ($millions) | 4.4507% | 3,200 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,298 |
| Loan loss allowance to noncurrent loans | 158.3093% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 553 |
| Noncurrent loans to loans | 0.8060% | 2,116 |
| Net loans and leases to total assets | 74.9883% | 1,792 |
| Net loans and leases to deposits | 88.8446% | 2,007 |
| Net loans and leases to core deposits | 101.2727% | 1,630 |
| Total domestic deposits to total assets | 84.4038% | 2,910 |
| Equity capital to assets | 8.9293% | 4,613 |
| Core capital (leverage) ratio | 8.7738% | 4,906 |
| Tier 1 risk-based capital ratio | 11.1257% | 4,987 |
| Total risk-based capital ratio | 12.3758% | 4,889 |
| Memoranda: | ||
| Average total assets | $389,465,000 | 1,771 |
| Average earning assets | $347,924,330 | 1,828 |
| Average equity | $35,256,330 | 2,080 |
| Average total loans | $297,837,000 | 1,616 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,849 |
| Cost of funding earning assets | 0.7015% | 1,431 |
| Net interest margin | 3.8047% | 2,408 |
| Noninterest income to average assets | 0.5718% | 2,411 |
| Noninterest expense to average assets | 2.9108% | 2,324 |
| Loan and lease loss provision to assets | 0.0777% | 2,218 |
| Net operating income to assets | 0.6858% | 4,153 |
| Return on assets (ROA) | 0.6858% | 4,157 |
| Pretax return on assets | 0.9768% | 3,612 |
| Return on Equity (ROE) | 7.5228% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.8409% | 4,402 |
| Net charge-offs to loans | -0.0310% | 4,762 |
| Credit loss provision to net charge-offs | -326.0870% | 3,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4065% | 1,981 |
| Assets per employee ($millions) | 4.2136% | 3,630 |
| Cash dividends to net income (ytd only)* | 75.5287% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,251 |
| Loan loss allowance to noncurrent loans | 405.8887% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.6423% | 814 |
| Noncurrent loans to loans | 0.3201% | 3,618 |
| Net loans and leases to total assets | 75.0990% | 1,693 |
| Net loans and leases to deposits | 87.4914% | 1,996 |
| Net loans and leases to core deposits | 99.8274% | 1,704 |
| Total domestic deposits to total assets | 85.8359% | 2,617 |
| Equity capital to assets | 9.1637% | 4,402 |
| Core capital (leverage) ratio | 8.7213% | 4,970 |
| Tier 1 risk-based capital ratio | 11.4100% | 4,910 |
| Total risk-based capital ratio | 12.6606% | 4,810 |
| Memoranda: | ||
| Average total assets | $386,142,500 | 1,790 |
| Average earning assets | $344,417,000 | 1,855 |
| Average equity | $35,199,500 | 2,088 |
| Average total loans | $296,318,000 | 1,625 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 1,792 |
| Cost of funding earning assets | 0.7025% | 1,005 |
| Net interest margin | 3.7745% | 2,522 |
| Noninterest income to average assets | 0.7073% | 1,931 |
| Noninterest expense to average assets | 2.9221% | 2,382 |
| Loan and lease loss provision to assets | 0.0800% | 2,601 |
| Net operating income to assets | 0.5760% | 4,111 |
| Return on assets (ROA) | 0.5760% | 4,150 |
| Pretax return on assets | 1.0654% | 3,321 |
| Return on Equity (ROE) | 6.2692% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.8173% | 2,244 |
| Net charge-offs to loans | -0.0003% | 4,470 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8399% | 2,250 |
| Assets per employee ($millions) | 4.2731% | 3,533 |
| Cash dividends to net income (ytd only)* | 23.1589% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,620 |
| Loan loss allowance to noncurrent loans | 591.8269% | 950 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 877 |
| Noncurrent loans to loans | 0.2074% | 4,084 |
| Net loans and leases to total assets | 76.4295% | 1,520 |
| Net loans and leases to deposits | 90.9830% | 1,651 |
| Net loans and leases to core deposits | 101.1538% | 1,621 |
| Total domestic deposits to total assets | 84.0041% | 3,207 |
| Equity capital to assets | 9.0683% | 4,650 |
| Core capital (leverage) ratio | 8.7108% | 4,944 |
| Tier 1 risk-based capital ratio | 10.9609% | 5,170 |
| Total risk-based capital ratio | 12.1720% | 5,073 |
| Memoranda: | ||
| Average total assets | $374,804,600 | 1,809 |
| Average earning assets | $333,659,400 | 1,874 |
| Average equity | $34,438,400 | 2,111 |
| Average total loans | $290,969,600 | 1,609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 1,803 |
| Cost of funding earning assets | 0.6968% | 978 |
| Net interest margin | 3.7490% | 2,581 |
| Noninterest income to average assets | 0.6794% | 2,086 |
| Noninterest expense to average assets | 2.9410% | 2,278 |
| Loan and lease loss provision to assets | 0.0808% | 2,475 |
| Net operating income to assets | 0.6162% | 4,328 |
| Return on assets (ROA) | 0.6162% | 4,375 |
| Pretax return on assets | 0.9979% | 3,699 |
| Return on Equity (ROE) | 6.6835% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.7361% | 3,061 |
| Net charge-offs to loans | 0.0106% | 3,343 |
| Credit loss provision to net charge-offs | 978.2609% | 364 |
| Earnings coverage of net charge-offs (x) | 130.5911% | 590 |
| Efficiency ratio | 73.1642% | 2,017 |
| Assets per employee ($millions) | 4.2144% | 3,619 |
| Cash dividends to net income (ytd only)* | 29.1376% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,872 |
| Loan loss allowance to noncurrent loans | 535.6185% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 967 |
| Noncurrent loans to loans | 0.2259% | 4,164 |
| Net loans and leases to total assets | 75.6894% | 1,644 |
| Net loans and leases to deposits | 89.8100% | 1,831 |
| Net loans and leases to core deposits | 99.5073% | 1,748 |
| Total domestic deposits to total assets | 84.2772% | 3,009 |
| Equity capital to assets | 9.0149% | 4,899 |
| Core capital (leverage) ratio | 8.6088% | 5,150 |
| Tier 1 risk-based capital ratio | 10.9029% | 5,296 |
| Total risk-based capital ratio | 12.0952% | 5,230 |
| Memoranda: | ||
| Average total assets | $371,293,250 | 1,835 |
| Average earning assets | $330,819,500 | 1,897 |
| Average equity | $34,232,500 | 2,136 |
| Average total loans | $288,489,750 | 1,625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,692 |
| Cost of funding earning assets | 0.6757% | 1,012 |
| Net interest margin | 3.7647% | 2,427 |
| Noninterest income to average assets | 0.7211% | 1,903 |
| Noninterest expense to average assets | 2.9610% | 2,230 |
| Loan and lease loss provision to assets | 0.0820% | 2,351 |
| Net operating income to assets | 0.6337% | 4,147 |
| Return on assets (ROA) | 0.6337% | 4,198 |
| Pretax return on assets | 1.0257% | 3,460 |
| Return on Equity (ROE) | 6.8192% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.8773% | 3,389 |
| Net charge-offs to loans | -0.0308% | 4,968 |
| Credit loss provision to net charge-offs | -340.9091% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7761% | 2,216 |
| Assets per employee ($millions) | 4.0819% | 3,825 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,879 |
| Loan loss allowance to noncurrent loans | 471.2221% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6925% | 855 |
| Noncurrent loans to loans | 0.2594% | 4,110 |
| Net loans and leases to total assets | 76.3308% | 1,495 |
| Net loans and leases to deposits | 91.0152% | 1,609 |
| Net loans and leases to core deposits | 101.5614% | 1,543 |
| Total domestic deposits to total assets | 83.8660% | 3,252 |
| Equity capital to assets | 9.0851% | 4,818 |
| Core capital (leverage) ratio | 8.7442% | 5,010 |
| Tier 1 risk-based capital ratio | 10.8981% | 5,308 |
| Total risk-based capital ratio | 12.1072% | 5,245 |
| Memoranda: | ||
| Average total assets | $365,816,330 | 1,863 |
| Average earning assets | $325,283,000 | 1,931 |
| Average equity | $33,992,330 | 2,144 |
| Average total loans | $285,633,000 | 1,634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 1,661 |
| Cost of funding earning assets | 0.6388% | 1,138 |
| Net interest margin | 3.7560% | 2,275 |
| Noninterest income to average assets | 0.7289% | 1,835 |
| Noninterest expense to average assets | 2.9656% | 2,261 |
| Loan and lease loss provision to assets | 0.0836% | 2,146 |
| Net operating income to assets | 0.6252% | 4,040 |
| Return on assets (ROA) | 0.6252% | 4,090 |
| Pretax return on assets | 1.0153% | 3,304 |
| Return on Equity (ROE) | 6.6501% | 3,580 |
| Retained earnings to average equity (ytd only) | 0.7231% | 4,742 |
| Net charge-offs to loans | -0.0028% | 4,052 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9641% | 2,410 |
| Assets per employee ($millions) | 4.1197% | 3,806 |
| Cash dividends to net income (ytd only)* | 89.1266% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,023 |
| Loan loss allowance to noncurrent loans | 324.8127% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 1.8677% | 741 |
| Noncurrent loans to loans | 0.3750% | 3,750 |
| Net loans and leases to total assets | 77.5935% | 1,186 |
| Net loans and leases to deposits | 92.3601% | 1,291 |
| Net loans and leases to core deposits | 102.2987% | 1,350 |
| Total domestic deposits to total assets | 84.0119% | 3,473 |
| Equity capital to assets | 9.3260% | 4,476 |
| Core capital (leverage) ratio | 8.8540% | 4,900 |
| Tier 1 risk-based capital ratio | 10.9727% | 5,325 |
| Total risk-based capital ratio | 12.1721% | 5,273 |
| Memoranda: | ||
| Average total assets | $358,914,500 | 1,896 |
| Average earning assets | $318,744,000 | 1,970 |
| Average equity | $33,744,000 | 2,164 |
| Average total loans | $281,773,000 | 1,662 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,041 |
| Cost of funding earning assets | 0.5882% | 1,422 |
| Net interest margin | 3.7440% | 2,523 |
| Noninterest income to average assets | 0.5539% | 2,893 |
| Noninterest expense to average assets | 2.9732% | 2,426 |
| Loan and lease loss provision to assets | 0.0219% | 3,933 |
| Net operating income to assets | 0.5580% | 4,402 |
| Return on assets (ROA) | 0.5726% | 4,437 |
| Pretax return on assets | 0.9298% | 3,735 |
| Return on Equity (ROE) | 5.8972% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.2398% | 2,888 |
| Net charge-offs to loans | -0.0308% | 5,256 |
| Credit loss provision to net charge-offs | -90.3614% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1940% | 1,952 |
| Assets per employee ($millions) | 4.0839% | 3,821 |
| Cash dividends to net income (ytd only)* | 28.1042% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 3,017 |
| Loan loss allowance to noncurrent loans | 293.1720% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 2.0251% | 675 |
| Noncurrent loans to loans | 0.4150% | 3,657 |
| Net loans and leases to total assets | 77.5080% | 1,281 |
| Net loans and leases to deposits | 93.1216% | 1,284 |
| Net loans and leases to core deposits | 104.7809% | 1,224 |
| Total domestic deposits to total assets | 83.2331% | 3,685 |
| Equity capital to assets | 9.4789% | 4,291 |
| Core capital (leverage) ratio | 9.1569% | 4,542 |
| Tier 1 risk-based capital ratio | 11.2902% | 5,174 |
| Total risk-based capital ratio | 12.4993% | 5,093 |
| Memoranda: | ||
| Average total assets | $341,781,600 | 1,943 |
| Average earning assets | $305,660,600 | 2,005 |
| Average equity | $33,185,200 | 2,167 |
| Average total loans | $269,644,600 | 1,679 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,099 |
| Cost of funding earning assets | 0.5857% | 1,445 |
| Net interest margin | 3.7367% | 2,568 |
| Noninterest income to average assets | 0.4547% | 3,526 |
| Noninterest expense to average assets | 3.0038% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4937% | 4,719 |
| Return on assets (ROA) | 0.5134% | 4,749 |
| Pretax return on assets | 0.8321% | 4,212 |
| Return on Equity (ROE) | 5.2546% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.0366% | 4,093 |
| Net charge-offs to loans | 0.0015% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 677.9825% | 140 |
| Efficiency ratio | 78.9397% | 1,566 |
| Assets per employee ($millions) | 4.1727% | 3,650 |
| Cash dividends to net income (ytd only)* | 42.2106% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 3,270 |
| Loan loss allowance to noncurrent loans | 237.5735% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 697 |
| Noncurrent loans to loans | 0.5031% | 3,492 |
| Net loans and leases to total assets | 77.1268% | 1,340 |
| Net loans and leases to deposits | 91.7356% | 1,529 |
| Net loans and leases to core deposits | 100.9192% | 1,558 |
| Total domestic deposits to total assets | 84.0751% | 3,194 |
| Equity capital to assets | 9.6223% | 4,539 |
| Core capital (leverage) ratio | 9.1975% | 4,593 |
| Tier 1 risk-based capital ratio | 11.4774% | 5,101 |
| Total risk-based capital ratio | 12.6720% | 5,036 |
| Memoranda: | ||
| Average total assets | $338,403,000 | 1,963 |
| Average earning assets | $303,433,500 | 2,025 |
| Average equity | $33,062,000 | 2,189 |
| Average total loans | $267,362,000 | 1,691 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,016 |
| Cost of funding earning assets | 0.5829% | 1,449 |
| Net interest margin | 3.7580% | 2,485 |
| Noninterest income to average assets | 0.5415% | 2,946 |
| Noninterest expense to average assets | 3.0569% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5171% | 4,612 |
| Return on assets (ROA) | 0.5468% | 4,604 |
| Pretax return on assets | 0.8989% | 3,957 |
| Return on Equity (ROE) | 5.5680% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.9614% | 2,764 |
| Net charge-offs to loans | 0.0060% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 178.8750% | 363 |
| Efficiency ratio | 78.1959% | 1,757 |
| Assets per employee ($millions) | 3.9705% | 3,969 |
| Cash dividends to net income (ytd only)* | 10.8932% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,283 |
| Loan loss allowance to noncurrent loans | 262.4898% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3348% | 633 |
| Noncurrent loans to loans | 0.4623% | 3,712 |
| Net loans and leases to total assets | 78.7326% | 1,110 |
| Net loans and leases to deposits | 94.3361% | 1,257 |
| Net loans and leases to core deposits | 104.2495% | 1,298 |
| Total domestic deposits to total assets | 83.4597% | 3,480 |
| Equity capital to assets | 10.0193% | 4,204 |
| Core capital (leverage) ratio | 9.3273% | 4,422 |
| Tier 1 risk-based capital ratio | 11.7007% | 5,032 |
| Total risk-based capital ratio | 12.9136% | 4,953 |
| Memoranda: | ||
| Average total assets | $335,760,330 | 1,986 |
| Average earning assets | $300,907,330 | 2,052 |
| Average equity | $32,974,330 | 2,199 |
| Average total loans | $266,367,670 | 1,687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,088 |
| Cost of funding earning assets | 0.5644% | 1,589 |
| Net interest margin | 3.7480% | 2,487 |
| Noninterest income to average assets | 0.4261% | 3,640 |
| Noninterest expense to average assets | 3.1455% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3911% | 5,021 |
| Return on assets (ROA) | 0.3965% | 5,081 |
| Pretax return on assets | 0.6469% | 4,684 |
| Return on Equity (ROE) | 4.0691% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.0691% | 3,455 |
| Net charge-offs to loans | 0.0105% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 76.8571% | 658 |
| Efficiency ratio | 83.1242% | 1,248 |
| Assets per employee ($millions) | 4.1800% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,035 |
| Loan loss allowance to noncurrent loans | 290.6997% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 2.3244% | 671 |
| Noncurrent loans to loans | 0.4381% | 3,872 |
| Net loans and leases to total assets | 78.0137% | 1,098 |
| Net loans and leases to deposits | 93.0548% | 1,220 |
| Net loans and leases to core deposits | 102.6939% | 1,285 |
| Total domestic deposits to total assets | 83.8363% | 3,582 |
| Equity capital to assets | 9.7496% | 4,396 |
| Core capital (leverage) ratio | 9.2350% | 4,561 |
| Tier 1 risk-based capital ratio | 11.5441% | 5,211 |
| Total risk-based capital ratio | 12.7946% | 5,114 |
| Memoranda: | ||
| Average total assets | $336,984,500 | 1,988 |
| Average earning assets | $301,918,500 | 2,048 |
| Average equity | $32,833,000 | 2,207 |
| Average total loans | $266,955,000 | 1,684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,132 |
| Cost of funding earning assets | 0.5603% | 1,674 |
| Net interest margin | 3.7639% | 2,507 |
| Noninterest income to average assets | 0.6304% | 2,560 |
| Noninterest expense to average assets | 3.1333% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5167% | 4,631 |
| Return on assets (ROA) | 0.5167% | 4,716 |
| Pretax return on assets | 0.8388% | 4,073 |
| Return on Equity (ROE) | 5.1280% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.5989% | 4,809 |
| Net charge-offs to loans | -0.0237% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8822% | 1,832 |
| Assets per employee ($millions) | 4.0901% | 3,776 |
| Cash dividends to net income (ytd only)* | 68.8211% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 3,008 |
| Loan loss allowance to noncurrent loans | 260.2134% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 2.8403% | 486 |
| Noncurrent loans to loans | 0.4926% | 3,722 |
| Net loans and leases to total assets | 78.4016% | 1,070 |
| Net loans and leases to deposits | 93.4488% | 1,255 |
| Net loans and leases to core deposits | 101.6373% | 1,390 |
| Total domestic deposits to total assets | 83.8979% | 3,521 |
| Equity capital to assets | 9.7367% | 4,252 |
| Core capital (leverage) ratio | 9.1774% | 4,648 |
| Tier 1 risk-based capital ratio | 11.5415% | 5,219 |
| Total risk-based capital ratio | 12.7923% | 5,133 |
| Memoranda: | ||
| Average total assets | $323,429,600 | 2,027 |
| Average earning assets | $287,148,400 | 2,090 |
| Average equity | $32,585,800 | 2,165 |
| Average total loans | $256,947,200 | 1,687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,461 |
| Cost of funding earning assets | 0.5582% | 1,734 |
| Net interest margin | 3.6753% | 2,867 |
| Noninterest income to average assets | 0.6707% | 2,383 |
| Noninterest expense to average assets | 3.1772% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4660% | 4,911 |
| Return on assets (ROA) | 0.4660% | 5,008 |
| Pretax return on assets | 0.7481% | 4,501 |
| Return on Equity (ROE) | 4.5851% | 4,801 |
| Retained earnings to average equity (ytd only) | 1.7194% | 5,013 |
| Net charge-offs to loans | 0.0414% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.7596% | 1,764 |
| Efficiency ratio | 80.9413% | 1,529 |
| Assets per employee ($millions) | 3.9172% | 4,045 |
| Cash dividends to net income (ytd only)* | 62.4998% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,474 |
| Loan loss allowance to noncurrent loans | 239.5757% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 3.0363% | 494 |
| Noncurrent loans to loans | 0.5139% | 3,810 |
| Net loans and leases to total assets | 79.8506% | 842 |
| Net loans and leases to deposits | 95.3512% | 1,067 |
| Net loans and leases to core deposits | 103.7632% | 1,247 |
| Total domestic deposits to total assets | 83.7437% | 3,523 |
| Equity capital to assets | 9.9107% | 4,274 |
| Core capital (leverage) ratio | 9.3811% | 4,466 |
| Tier 1 risk-based capital ratio | 11.5840% | 5,331 |
| Total risk-based capital ratio | 12.8342% | 5,256 |
| Memoranda: | ||
| Average total assets | $320,439,500 | 2,058 |
| Average earning assets | $283,761,000 | 2,127 |
| Average equity | $32,568,250 | 2,183 |
| Average total loans | $254,592,750 | 1,706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,427 |
| Cost of funding earning assets | 0.5508% | 1,806 |
| Net interest margin | 3.6791% | 2,801 |
| Noninterest income to average assets | 0.8074% | 1,744 |
| Noninterest expense to average assets | 3.1180% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5870% | 4,408 |
| Return on assets (ROA) | 0.5870% | 4,504 |
| Pretax return on assets | 0.9409% | 3,804 |
| Return on Equity (ROE) | 5.7259% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.1900% | 3,365 |
| Net charge-offs to loans | 0.0622% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1538% | 1,765 |
| Efficiency ratio | 76.8192% | 2,224 |
| Assets per employee ($millions) | 3.8732% | 4,121 |
| Cash dividends to net income (ytd only)* | 26.8240% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 3,279 |
| Loan loss allowance to noncurrent loans | 241.1635% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 3.3832% | 435 |
| Noncurrent loans to loans | 0.5362% | 3,846 |
| Net loans and leases to total assets | 78.7079% | 980 |
| Net loans and leases to deposits | 93.6545% | 1,184 |
| Net loans and leases to core deposits | 102.9377% | 1,270 |
| Total domestic deposits to total assets | 84.0407% | 3,546 |
| Equity capital to assets | 10.3431% | 3,625 |
| Core capital (leverage) ratio | 9.9156% | 3,720 |
| Tier 1 risk-based capital ratio | 12.0002% | 5,152 |
| Total risk-based capital ratio | 13.2508% | 5,045 |
| Memoranda: | ||
| Average total assets | $317,570,330 | 2,089 |
| Average earning assets | $280,669,000 | 2,161 |
| Average equity | $32,554,000 | 2,196 |
| Average total loans | $250,783,330 | 1,736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 2,627 |
| Cost of funding earning assets | 0.5489% | 1,856 |
| Net interest margin | 3.6027% | 2,989 |
| Noninterest income to average assets | 0.8238% | 1,619 |
| Noninterest expense to average assets | 3.0873% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5807% | 4,357 |
| Return on assets (ROA) | 0.5807% | 4,462 |
| Pretax return on assets | 0.9195% | 3,815 |
| Return on Equity (ROE) | 5.6903% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.6903% | 2,663 |
| Net charge-offs to loans | 0.1218% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.6053% | 1,996 |
| Efficiency ratio | 77.0512% | 2,332 |
| Assets per employee ($millions) | 3.9389% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,244 |
| Loan loss allowance to noncurrent loans | 203.0359% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 461 |
| Noncurrent loans to loans | 0.6549% | 3,634 |
| Net loans and leases to total assets | 77.1741% | 1,034 |
| Net loans and leases to deposits | 91.9539% | 1,193 |
| Net loans and leases to core deposits | 97.3753% | 1,528 |
| Total domestic deposits to total assets | 83.9270% | 3,843 |
| Equity capital to assets | 10.3655% | 3,695 |
| Core capital (leverage) ratio | 9.5466% | 4,204 |
| Tier 1 risk-based capital ratio | 12.1210% | 5,166 |
| Total risk-based capital ratio | 13.3714% | 5,073 |
| Memoranda: | ||
| Average total assets | $317,554,500 | 2,098 |
| Average earning assets | $280,569,500 | 2,171 |
| Average equity | $32,406,000 | 2,214 |
| Average total loans | $249,548,500 | 1,747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 2,585 |
| Cost of funding earning assets | 0.5776% | 1,979 |
| Net interest margin | 3.7289% | 2,887 |
| Noninterest income to average assets | 0.6111% | 2,793 |
| Noninterest expense to average assets | 3.2714% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3739% | 5,309 |
| Return on assets (ROA) | 0.4035% | 5,274 |
| Pretax return on assets | 0.6570% | 4,768 |
| Return on Equity (ROE) | 3.8825% | 5,166 |
| Retained earnings to average equity (ytd only) | -2.2607% | 6,036 |
| Net charge-offs to loans | 0.1040% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.6520% | 2,999 |
| Efficiency ratio | 84.2681% | 1,379 |
| Assets per employee ($millions) | 4.0506% | 3,832 |
| Cash dividends to net income (ytd only)* | 158.2278% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 3,283 |
| Loan loss allowance to noncurrent loans | 119.2814% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 4.0107% | 418 |
| Noncurrent loans to loans | 1.1127% | 2,609 |
| Net loans and leases to total assets | 77.9014% | 1,008 |
| Net loans and leases to deposits | 92.6740% | 1,218 |
| Net loans and leases to core deposits | 97.7757% | 1,568 |
| Total domestic deposits to total assets | 84.0595% | 3,691 |
| Equity capital to assets | 10.0467% | 4,048 |
| Core capital (leverage) ratio | 9.4012% | 4,381 |
| Tier 1 risk-based capital ratio | 11.5866% | 5,616 |
| Total risk-based capital ratio | 12.8373% | 5,526 |
| Memoranda: | ||
| Average total assets | $313,229,400 | 2,073 |
| Average earning assets | $274,775,800 | 2,166 |
| Average equity | $32,556,000 | 2,135 |
| Average total loans | $240,380,800 | 1,761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 2,664 |
| Cost of funding earning assets | 0.5784% | 2,030 |
| Net interest margin | 3.7151% | 2,963 |
| Noninterest income to average assets | 0.5234% | 3,376 |
| Noninterest expense to average assets | 3.3241% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2837% | 5,643 |
| Return on assets (ROA) | 0.2859% | 5,703 |
| Pretax return on assets | 0.4575% | 5,447 |
| Return on Equity (ROE) | 2.7272% | 5,643 |
| Retained earnings to average equity (ytd only) | -5.4381% | 6,273 |
| Net charge-offs to loans | 0.1208% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.9349% | 3,350 |
| Efficiency ratio | 87.9814% | 1,004 |
| Assets per employee ($millions) | 4.0680% | 3,737 |
| Cash dividends to net income (ytd only)* | 299.4027% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 3,240 |
| Loan loss allowance to noncurrent loans | 127.5979% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 4.1005% | 467 |
| Noncurrent loans to loans | 1.0872% | 2,898 |
| Net loans and leases to total assets | 75.9260% | 1,234 |
| Net loans and leases to deposits | 89.7229% | 1,453 |
| Net loans and leases to core deposits | 94.9190% | 1,768 |
| Total domestic deposits to total assets | 84.6228% | 3,490 |
| Equity capital to assets | 9.9697% | 4,198 |
| Core capital (leverage) ratio | 9.2451% | 4,715 |
| Tier 1 risk-based capital ratio | 11.6216% | 5,724 |
| Total risk-based capital ratio | 12.8728% | 5,639 |
| Memoranda: | ||
| Average total assets | $311,537,500 | 2,103 |
| Average earning assets | $272,931,500 | 2,191 |
| Average equity | $32,657,750 | 2,136 |
| Average total loans | $237,317,250 | 1,787 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,533 |
| Cost of funding earning assets | 0.5822% | 2,057 |
| Net interest margin | 3.7342% | 2,825 |
| Noninterest income to average assets | 0.7493% | 2,051 |
| Noninterest expense to average assets | 3.2879% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4431% | 5,041 |
| Return on assets (ROA) | 0.4464% | 5,108 |
| Pretax return on assets | 0.7274% | 4,543 |
| Return on Equity (ROE) | 4.1880% | 5,067 |
| Retained earnings to average equity (ytd only) | 1.1576% | 5,290 |
| Net charge-offs to loans | 0.0179% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 53.2381% | 877 |
| Efficiency ratio | 81.9910% | 1,750 |
| Assets per employee ($millions) | 3.8848% | 4,098 |
| Cash dividends to net income (ytd only)* | 72.3589% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 2,859 |
| Loan loss allowance to noncurrent loans | 119.4398% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 4.7285% | 396 |
| Noncurrent loans to loans | 1.2631% | 2,698 |
| Net loans and leases to total assets | 74.3157% | 1,397 |
| Net loans and leases to deposits | 88.1108% | 1,582 |
| Net loans and leases to core deposits | 93.0109% | 1,864 |
| Total domestic deposits to total assets | 84.3434% | 3,802 |
| Equity capital to assets | 10.5423% | 3,391 |
| Core capital (leverage) ratio | 9.8300% | 3,845 |
| Tier 1 risk-based capital ratio | 12.4457% | 5,266 |
| Total risk-based capital ratio | 13.6981% | 5,182 |
| Memoranda: | ||
| Average total assets | $309,616,330 | 2,107 |
| Average earning assets | $270,366,330 | 2,206 |
| Average equity | $32,999,000 | 2,096 |
| Average total loans | $234,988,670 | 1,791 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,766 |
| Cost of funding earning assets | 0.5975% | 1,991 |
| Net interest margin | 3.6313% | 3,135 |
| Noninterest income to average assets | 0.5848% | 2,826 |
| Noninterest expense to average assets | 3.2186% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3243% | 5,410 |
| Return on assets (ROA) | 0.3243% | 5,462 |
| Pretax return on assets | 0.5249% | 5,097 |
| Return on Equity (ROE) | 3.0263% | 5,448 |
| Retained earnings to average equity (ytd only) | -0.0122% | 5,555 |
| Net charge-offs to loans | 0.1061% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,214 |
| Efficiency ratio | 85.9777% | 1,458 |
| Assets per employee ($millions) | 3.8819% | 4,170 |
| Cash dividends to net income (ytd only)* | 100.4016% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,094 |
| Loan loss allowance to noncurrent loans | 92.1176% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 5.1423% | 385 |
| Noncurrent loans to loans | 1.6407% | 2,373 |
| Net loans and leases to total assets | 75.2455% | 1,096 |
| Net loans and leases to deposits | 89.2956% | 1,223 |
| Net loans and leases to core deposits | 94.5067% | 1,511 |
| Total domestic deposits to total assets | 84.2655% | 4,177 |
| Equity capital to assets | 10.7402% | 2,993 |
| Core capital (leverage) ratio | 9.9047% | 3,705 |
| Tier 1 risk-based capital ratio | 12.2584% | 5,471 |
| Total risk-based capital ratio | 13.5108% | 5,401 |
| Memoranda: | ||
| Average total assets | $307,091,000 | 2,129 |
| Average earning assets | $267,122,000 | 2,238 |
| Average equity | $32,912,000 | 2,095 |
| Average total loans | $233,768,500 | 1,799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,660 |
| Cost of funding earning assets | 0.7137% | 1,720 |
| Net interest margin | 3.6663% | 3,190 |
| Noninterest income to average assets | 0.8327% | 1,925 |
| Noninterest expense to average assets | 3.3480% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3983% | 5,147 |
| Return on assets (ROA) | 0.3983% | 5,267 |
| Pretax return on assets | 0.6426% | 4,729 |
| Return on Equity (ROE) | 3.7251% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,141 |
| Net charge-offs to loans | 0.0650% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.3129% | 2,036 |
| Efficiency ratio | 83.8970% | 1,634 |
| Assets per employee ($millions) | 3.7964% | 4,274 |
| Cash dividends to net income (ytd only)* | 20.6101% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,982 |
| Loan loss allowance to noncurrent loans | 87.0921% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 5.3195% | 422 |
| Noncurrent loans to loans | 1.7737% | 2,270 |
| Net loans and leases to total assets | 74.6760% | 1,258 |
| Net loans and leases to deposits | 88.1111% | 1,446 |
| Net loans and leases to core deposits | 92.4439% | 1,741 |
| Total domestic deposits to total assets | 84.7521% | 3,872 |
| Equity capital to assets | 10.6946% | 2,939 |
| Core capital (leverage) ratio | 9.7998% | 3,841 |
| Tier 1 risk-based capital ratio | 12.2069% | 5,494 |
| Total risk-based capital ratio | 13.4597% | 5,417 |
| Memoranda: | ||
| Average total assets | $304,542,200 | 2,122 |
| Average earning assets | $262,310,400 | 2,237 |
| Average equity | $32,562,800 | 2,106 |
| Average total loans | $225,997,600 | 1,813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 2,686 |
| Cost of funding earning assets | 0.7268% | 1,758 |
| Net interest margin | 3.6455% | 3,253 |
| Noninterest income to average assets | 0.8075% | 2,105 |
| Noninterest expense to average assets | 3.3442% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3722% | 5,365 |
| Return on assets (ROA) | 0.3722% | 5,498 |
| Pretax return on assets | 0.5982% | 5,016 |
| Return on Equity (ROE) | 3.4808% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.4808% | 4,211 |
| Net charge-offs to loans | 0.0565% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.3478% | 1,952 |
| Efficiency ratio | 84.8269% | 1,496 |
| Assets per employee ($millions) | 3.5745% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,038 |
| Loan loss allowance to noncurrent loans | 70.3561% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 5.8890% | 416 |
| Noncurrent loans to loans | 2.2611% | 1,939 |
| Net loans and leases to total assets | 75.3032% | 1,100 |
| Net loans and leases to deposits | 90.2632% | 1,135 |
| Net loans and leases to core deposits | 94.1288% | 1,560 |
| Total domestic deposits to total assets | 83.4262% | 4,403 |
| Equity capital to assets | 10.9263% | 2,834 |
| Core capital (leverage) ratio | 9.9104% | 3,798 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,656 |
| Total risk-based capital ratio | 13.4443% | 5,591 |
| Memoranda: | ||
| Average total assets | $303,800,000 | 2,131 |
| Average earning assets | $261,247,500 | 2,247 |
| Average equity | $32,481,750 | 2,124 |
| Average total loans | $224,187,000 | 1,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,725 |
| Cost of funding earning assets | 0.7558% | 1,668 |
| Net interest margin | 3.6029% | 3,345 |
| Noninterest income to average assets | 0.9043% | 1,802 |
| Noninterest expense to average assets | 3.3386% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4072% | 5,189 |
| Return on assets (ROA) | 0.4072% | 5,358 |
| Pretax return on assets | 0.6545% | 4,830 |
| Return on Equity (ROE) | 3.8365% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.8365% | 3,857 |
| Net charge-offs to loans | -0.0459% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6098% | 1,678 |
| Assets per employee ($millions) | 3.6581% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 2,732 |
| Loan loss allowance to noncurrent loans | 78.3272% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 5.9628% | 461 |
| Noncurrent loans to loans | 2.1859% | 2,192 |
| Net loans and leases to total assets | 73.6590% | 1,306 |
| Net loans and leases to deposits | 88.1593% | 1,325 |
| Net loans and leases to core deposits | 91.9379% | 1,716 |
| Total domestic deposits to total assets | 83.5521% | 4,491 |
| Equity capital to assets | 10.9913% | 2,758 |
| Core capital (leverage) ratio | 9.9003% | 3,652 |
| Tier 1 risk-based capital ratio | 12.3987% | 5,573 |
| Total risk-based capital ratio | 13.6533% | 5,516 |
| Memoranda: | ||
| Average total assets | $304,981,000 | 2,128 |
| Average earning assets | $261,457,000 | 2,254 |
| Average equity | $32,373,330 | 2,134 |
| Average total loans | $222,330,000 | 1,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,717 |
| Cost of funding earning assets | 0.7930% | 1,569 |
| Net interest margin | 3.5510% | 3,473 |
| Noninterest income to average assets | 0.9556% | 1,591 |
| Noninterest expense to average assets | 3.4062% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3621% | 5,298 |
| Return on assets (ROA) | 0.3621% | 5,433 |
| Pretax return on assets | 0.5780% | 5,029 |
| Return on Equity (ROE) | 3.4701% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.4701% | 4,169 |
| Net charge-offs to loans | 0.0270% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 958 |
| Efficiency ratio | 85.4917% | 1,584 |
| Assets per employee ($millions) | 3.7170% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,021 |
| Loan loss allowance to noncurrent loans | 43.7610% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 7.1763% | 386 |
| Noncurrent loans to loans | 3.8782% | 1,180 |
| Net loans and leases to total assets | 71.8574% | 1,372 |
| Net loans and leases to deposits | 85.9890% | 1,355 |
| Net loans and leases to core deposits | 89.4845% | 1,756 |
| Total domestic deposits to total assets | 83.5658% | 4,641 |
| Equity capital to assets | 10.7631% | 3,239 |
| Core capital (leverage) ratio | 9.6038% | 3,918 |
| Tier 1 risk-based capital ratio | 12.2976% | 5,720 |
| Total risk-based capital ratio | 13.5520% | 5,669 |
| Memoranda: | ||
| Average total assets | $309,318,500 | 2,125 |
| Average earning assets | $263,813,000 | 2,265 |
| Average equity | $32,276,000 | 2,165 |
| Average total loans | $222,466,000 | 1,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 4,379 |
| Cost of funding earning assets | 1.2193% | 527 |
| Net interest margin | 3.0385% | 5,959 |
| Noninterest income to average assets | 0.2819% | 5,452 |
| Noninterest expense to average assets | 2.6366% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2443% | 5,648 |
| Return on assets (ROA) | 0.2443% | 5,851 |
| Pretax return on assets | 0.3977% | 5,586 |
| Return on Equity (ROE) | 2.4561% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.4561% | 4,510 |
| Net charge-offs to loans | 0.2734% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.1777% | 4,332 |
| Efficiency ratio | 86.8945% | 1,340 |
| Assets per employee ($millions) | 4.8088% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,858 |
| Loan loss allowance to noncurrent loans | 44.8325% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.0097% | 775 |
| Noncurrent loans to loans | 3.8370% | 1,260 |
| Net loans and leases to total assets | 69.5763% | 1,927 |
| Net loans and leases to deposits | 82.8964% | 1,891 |
| Net loans and leases to core deposits | 90.6485% | 1,759 |
| Total domestic deposits to total assets | 83.9316% | 4,347 |
| Equity capital to assets | 10.3119% | 3,741 |
| Core capital (leverage) ratio | 9.0787% | 4,768 |
| Tier 1 risk-based capital ratio | 12.4216% | 5,529 |
| Total risk-based capital ratio | 13.6775% | 5,477 |
| Memoranda: | ||
| Average total assets | $157,171,000 | 3,667 |
| Average earning assets | $142,374,800 | 3,690 |
| Average equity | $15,634,400 | 3,835 |
| Average total loans | $104,972,600 | 3,396 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 4,485 |
| Cost of funding earning assets | 1.2581% | 541 |
| Net interest margin | 3.0318% | 6,102 |
| Noninterest income to average assets | 0.1587% | 6,349 |
| Noninterest expense to average assets | 2.6540% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1612% | 6,008 |
| Return on assets (ROA) | 0.1612% | 6,159 |
| Pretax return on assets | 0.2540% | 6,034 |
| Return on Equity (ROE) | 1.6350% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.6350% | 5,512 |
| Net charge-offs to loans | 0.2731% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.4131% | 4,584 |
| Efficiency ratio | 91.2652% | 943 |
| Assets per employee ($millions) | 4.8708% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 2,609 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 5.0762% | 877 |
| Noncurrent loans to loans | 4.1897% | 1,186 |
| Net loans and leases to total assets | 65.8679% | 2,677 |
| Net loans and leases to deposits | 78.2764% | 2,624 |
| Net loans and leases to core deposits | 85.6627% | 2,509 |
| Total domestic deposits to total assets | 84.1478% | 4,151 |
| Equity capital to assets | 10.0844% | 4,383 |
| Core capital (leverage) ratio | 8.8394% | 5,283 |
| Tier 1 risk-based capital ratio | 12.7522% | 5,440 |
| Total risk-based capital ratio | 14.0092% | 5,399 |
| Memoranda: | ||
| Average total assets | $157,993,750 | 3,688 |
| Average earning assets | $143,277,000 | 3,711 |
| Average equity | $15,576,000 | 3,885 |
| Average total loans | $103,981,250 | 3,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 4,935 |
| Cost of funding earning assets | 1.2822% | 569 |
| Net interest margin | 2.9228% | 6,392 |
| Noninterest income to average assets | 0.0807% | 6,754 |
| Noninterest expense to average assets | 2.5998% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0882% | 6,189 |
| Return on assets (ROA) | 0.0882% | 6,336 |
| Pretax return on assets | 0.1323% | 6,261 |
| Return on Equity (ROE) | 0.9016% | 6,319 |
| Retained earnings to average equity (ytd only) | 0.9016% | 5,711 |
| Net charge-offs to loans | 0.1079% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 4,037 |
| Efficiency ratio | 95.1568% | 741 |
| Assets per employee ($millions) | 4.8080% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 2,185 |
| Loan loss allowance to noncurrent loans | 35.6538% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 5.3251% | 861 |
| Noncurrent loans to loans | 5.6554% | 809 |
| Net loans and leases to total assets | 64.4696% | 2,941 |
| Net loans and leases to deposits | 76.8249% | 2,867 |
| Net loans and leases to core deposits | 82.9152% | 2,837 |
| Total domestic deposits to total assets | 83.9176% | 4,347 |
| Equity capital to assets | 9.8075% | 4,615 |
| Core capital (leverage) ratio | 8.5408% | 5,594 |
| Tier 1 risk-based capital ratio | 12.6841% | 5,430 |
| Total risk-based capital ratio | 13.9429% | 5,395 |
| Memoranda: | ||
| Average total assets | $158,703,330 | 3,691 |
| Average earning assets | $143,972,330 | 3,717 |
| Average equity | $15,528,670 | 3,883 |
| Average total loans | $103,770,670 | 3,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 4,762 |
| Cost of funding earning assets | 1.3198% | 583 |
| Net interest margin | 2.9738% | 6,350 |
| Noninterest income to average assets | 0.4435% | 4,339 |
| Noninterest expense to average assets | 2.6083% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3226% | 5,581 |
| Return on assets (ROA) | 0.3226% | 5,748 |
| Pretax return on assets | 0.5267% | 5,344 |
| Return on Equity (ROE) | 3.3006% | 5,592 |
| Retained earnings to average equity (ytd only) | 3.3006% | 4,585 |
| Net charge-offs to loans | 0.2358% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.4262% | 2,841 |
| Efficiency ratio | 83.1994% | 1,772 |
| Assets per employee ($millions) | 4.5387% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,332 |
| Loan loss allowance to noncurrent loans | 32.0220% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 6.0640% | 772 |
| Noncurrent loans to loans | 6.2653% | 776 |
| Net loans and leases to total assets | 64.5685% | 2,746 |
| Net loans and leases to deposits | 77.0677% | 2,666 |
| Net loans and leases to core deposits | 83.6618% | 2,590 |
| Total domestic deposits to total assets | 83.7815% | 4,604 |
| Equity capital to assets | 9.8076% | 4,360 |
| Core capital (leverage) ratio | 8.4949% | 5,605 |
| Tier 1 risk-based capital ratio | 12.5655% | 5,551 |
| Total risk-based capital ratio | 13.8248% | 5,508 |
| Memoranda: | ||
| Average total assets | $158,723,000 | 3,707 |
| Average earning assets | $143,653,000 | 3,753 |
| Average equity | $15,512,500 | 3,886 |
| Average total loans | $103,458,500 | 3,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 5,027 |
| Cost of funding earning assets | 1.5948% | 487 |
| Net interest margin | 2.9167% | 6,662 |
| Noninterest income to average assets | 0.2590% | 5,682 |
| Noninterest expense to average assets | 3.5063% | 1,962 |
| Loan and lease loss provision to assets | 0.4076% | 2,553 |
| Net operating income to assets | -0.9508% | 6,717 |
| Return on assets (ROA) | -0.9486% | 6,746 |
| Pretax return on assets | -1.0265% | 6,741 |
| Return on Equity (ROE) | -9.6807% | 6,729 |
| Retained earnings to average equity (ytd only) | -9.6807% | 6,689 |
| Net charge-offs to loans | 0.4026% | 3,404 |
| Credit loss provision to net charge-offs | 151.6854% | 1,853 |
| Earnings coverage of net charge-offs (x) | -2.3124% | 6,294 |
| Efficiency ratio | 92.4655% | 1,017 |
| Assets per employee ($millions) | 4.6644% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1135% | 1,970 |
| Loan loss allowance to noncurrent loans | 33.2410% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 6.0382% | 810 |
| Noncurrent loans to loans | 6.3582% | 755 |
| Net loans and leases to total assets | 63.1093% | 3,379 |
| Net loans and leases to deposits | 75.7537% | 3,211 |
| Net loans and leases to core deposits | 82.5321% | 3,104 |
| Total domestic deposits to total assets | 83.3085% | 4,621 |
| Equity capital to assets | 9.7389% | 4,529 |
| Core capital (leverage) ratio | 8.3323% | 5,811 |
| Tier 1 risk-based capital ratio | 13.0859% | 5,000 |
| Total risk-based capital ratio | 14.3470% | 4,969 |
| Memoranda: | ||
| Average total assets | $165,617,800 | 3,557 |
| Average earning assets | $149,109,400 | 3,590 |
| Average equity | $16,228,200 | 3,684 |
| Average total loans | $110,533,400 | 3,366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 4,878 |
| Cost of funding earning assets | 1.6406% | 497 |
| Net interest margin | 2.9554% | 6,660 |
| Noninterest income to average assets | 0.2039% | 6,147 |
| Noninterest expense to average assets | 3.8468% | 1,239 |
| Loan and lease loss provision to assets | 0.5377% | 1,834 |
| Net operating income to assets | -1.3539% | 7,001 |
| Return on assets (ROA) | -1.3510% | 7,021 |
| Pretax return on assets | -1.5183% | 7,021 |
| Return on Equity (ROE) | -13.7681% | 6,988 |
| Retained earnings to average equity (ytd only) | -13.7681% | 6,962 |
| Net charge-offs to loans | 0.7306% | 2,098 |
| Credit loss provision to net charge-offs | 109.4003% | 3,020 |
| Earnings coverage of net charge-offs (x) | -2.0016% | 6,022 |
| Efficiency ratio | 95.7151% | 836 |
| Assets per employee ($millions) | 4.9704% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,914 |
| Loan loss allowance to noncurrent loans | 33.3277% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 5.5468% | 999 |
| Noncurrent loans to loans | 5.4258% | 1,101 |
| Net loans and leases to total assets | 65.8463% | 2,935 |
| Net loans and leases to deposits | 79.8219% | 2,679 |
| Net loans and leases to core deposits | 87.0648% | 2,625 |
| Total domestic deposits to total assets | 82.4915% | 4,884 |
| Equity capital to assets | 9.3584% | 5,292 |
| Core capital (leverage) ratio | 7.9410% | 6,447 |
| Tier 1 risk-based capital ratio | 12.0230% | 5,877 |
| Total risk-based capital ratio | 13.2803% | 5,863 |
| Memoranda: | ||
| Average total assets | $167,374,750 | 3,556 |
| Average earning assets | $150,592,250 | 3,594 |
| Average equity | $16,424,000 | 3,671 |
| Average total loans | $112,605,250 | 3,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 5,133 |
| Cost of funding earning assets | 1.6755% | 516 |
| Net interest margin | 2.8856% | 6,814 |
| Noninterest income to average assets | 0.3241% | 5,300 |
| Noninterest expense to average assets | 2.8310% | 4,308 |
| Loan and lease loss provision to assets | 0.5341% | 1,823 |
| Net operating income to assets | -0.2694% | 6,532 |
| Return on assets (ROA) | -0.2694% | 6,564 |
| Pretax return on assets | -0.4511% | 6,625 |
| Return on Equity (ROE) | -2.7053% | 6,568 |
| Retained earnings to average equity (ytd only) | -2.7053% | 6,336 |
| Net charge-offs to loans | 0.6486% | 2,224 |
| Credit loss provision to net charge-offs | 122.2826% | 2,489 |
| Earnings coverage of net charge-offs (x) | 0.1902% | 5,167 |
| Efficiency ratio | 97.1487% | 828 |
| Assets per employee ($millions) | 4.4883% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 3,001 |
| Loan loss allowance to noncurrent loans | 38.6595% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.7312% | 1,315 |
| Noncurrent loans to loans | 4.6506% | 1,418 |
| Net loans and leases to total assets | 66.2090% | 2,989 |
| Net loans and leases to deposits | 81.2804% | 2,558 |
| Net loans and leases to core deposits | 88.4833% | 2,572 |
| Total domestic deposits to total assets | 81.4576% | 5,368 |
| Equity capital to assets | 10.1025% | 4,013 |
| Core capital (leverage) ratio | 7.9793% | 6,324 |
| Tier 1 risk-based capital ratio | 12.0622% | 5,734 |
| Total risk-based capital ratio | 13.3200% | 5,696 |
| Memoranda: | ||
| Average total assets | $168,492,000 | 3,565 |
| Average earning assets | $151,235,670 | 3,606 |
| Average equity | $16,782,000 | 3,609 |
| Average total loans | $113,476,330 | 3,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 5,303 |
| Cost of funding earning assets | 1.7085% | 530 |
| Net interest margin | 2.8011% | 6,905 |
| Noninterest income to average assets | 0.3465% | 5,135 |
| Noninterest expense to average assets | 3.1938% | 2,914 |
| Loan and lease loss provision to assets | 0.5303% | 1,638 |
| Net operating income to assets | -0.5115% | 6,811 |
| Return on assets (ROA) | -0.5115% | 6,814 |
| Pretax return on assets | -0.8580% | 6,944 |
| Return on Equity (ROE) | -5.1714% | 6,819 |
| Retained earnings to average equity (ytd only) | -5.1714% | 6,535 |
| Net charge-offs to loans | 0.3852% | 2,533 |
| Credit loss provision to net charge-offs | 204.5455% | 1,449 |
| Earnings coverage of net charge-offs (x) | -1.2636% | 4,923 |
| Efficiency ratio | 111.4309% | 470 |
| Assets per employee ($millions) | 4.5399% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,952 |
| Loan loss allowance to noncurrent loans | 42.3427% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 4.3739% | 1,491 |
| Noncurrent loans to loans | 4.2966% | 1,655 |
| Net loans and leases to total assets | 65.7336% | 3,079 |
| Net loans and leases to deposits | 80.4905% | 2,613 |
| Net loans and leases to core deposits | 87.3703% | 2,687 |
| Total domestic deposits to total assets | 81.6663% | 5,433 |
| Equity capital to assets | 9.9348% | 3,859 |
| Core capital (leverage) ratio | 7.8504% | 6,419 |
| Tier 1 risk-based capital ratio | 11.9919% | 5,696 |
| Total risk-based capital ratio | 13.2491% | 5,679 |
| Memoranda: | ||
| Average total assets | $169,704,000 | 3,564 |
| Average earning assets | $152,652,000 | 3,598 |
| Average equity | $16,784,500 | 3,595 |
| Average total loans | $114,232,000 | 3,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 4,570 |
| Cost of funding earning assets | 2.0596% | 491 |
| Net interest margin | 2.9379% | 6,840 |
| Noninterest income to average assets | 0.2411% | 6,076 |
| Noninterest expense to average assets | 4.0396% | 1,109 |
| Loan and lease loss provision to assets | 1.2542% | 1,238 |
| Net operating income to assets | -2.1816% | 7,101 |
| Return on assets (ROA) | -2.1099% | 7,098 |
| Pretax return on assets | -2.4063% | 7,137 |
| Return on Equity (ROE) | -18.6257% | 7,014 |
| Retained earnings to average equity (ytd only) | -18.6257% | 6,989 |
| Net charge-offs to loans | 1.7234% | 1,256 |
| Credit loss provision to net charge-offs | 104.2160% | 4,314 |
| Earnings coverage of net charge-offs (x) | -1.0251% | 6,613 |
| Efficiency ratio | 84.7420% | 1,830 |
| Assets per employee ($millions) | 4.1813% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 3,340 |
| Loan loss allowance to noncurrent loans | 35.5670% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 4.8987% | 1,317 |
| Noncurrent loans to loans | 4.6827% | 1,489 |
| Net loans and leases to total assets | 66.5391% | 3,343 |
| Net loans and leases to deposits | 82.3634% | 2,737 |
| Net loans and leases to core deposits | 89.9733% | 2,770 |
| Total domestic deposits to total assets | 80.7872% | 5,597 |
| Equity capital to assets | 9.8470% | 3,940 |
| Core capital (leverage) ratio | 7.8694% | 6,358 |
| Tier 1 risk-based capital ratio | 11.8789% | 5,591 |
| Total risk-based capital ratio | 13.1352% | 5,570 |
| Memoranda: | ||
| Average total assets | $175,411,400 | 3,450 |
| Average earning assets | $153,135,400 | 3,587 |
| Average equity | $19,870,400 | 3,165 |
| Average total loans | $122,491,000 | 3,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 4,354 |
| Cost of funding earning assets | 2.1161% | 512 |
| Net interest margin | 2.9780% | 6,872 |
| Noninterest income to average assets | 0.2071% | 6,422 |
| Noninterest expense to average assets | 2.3498% | 6,174 |
| Loan and lease loss provision to assets | 0.8125% | 1,863 |
| Net operating income to assets | -0.2289% | 6,354 |
| Return on assets (ROA) | -0.1602% | 6,342 |
| Pretax return on assets | -0.2653% | 6,380 |
| Return on Equity (ROE) | -1.3710% | 6,323 |
| Retained earnings to average equity (ytd only) | -1.3710% | 6,073 |
| Net charge-offs to loans | 1.5469% | 1,295 |
| Credit loss provision to net charge-offs | 74.6528% | 5,297 |
| Earnings coverage of net charge-offs (x) | 0.4042% | 5,621 |
| Efficiency ratio | 84.2319% | 1,809 |
| Assets per employee ($millions) | 4.2043% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,300 |
| Loan loss allowance to noncurrent loans | 32.2552% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 4.2462% | 1,613 |
| Noncurrent loans to loans | 3.8372% | 1,992 |
| Net loans and leases to total assets | 66.6997% | 3,526 |
| Net loans and leases to deposits | 85.2958% | 2,467 |
| Net loans and leases to core deposits | 93.2039% | 2,631 |
| Total domestic deposits to total assets | 78.1981% | 6,218 |
| Equity capital to assets | 11.5918% | 2,461 |
| Core capital (leverage) ratio | 8.3087% | 5,856 |
| Tier 1 risk-based capital ratio | 12.3192% | 5,158 |
| Total risk-based capital ratio | 13.5695% | 5,136 |
| Memoranda: | ||
| Average total assets | $176,406,000 | 3,474 |
| Average earning assets | $152,983,500 | 3,639 |
| Average equity | $20,617,750 | 3,095 |
| Average total loans | $124,113,250 | 3,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 3,872 |
| Cost of funding earning assets | 2.1499% | 549 |
| Net interest margin | 3.0659% | 6,692 |
| Noninterest income to average assets | 0.1497% | 6,815 |
| Noninterest expense to average assets | 2.3340% | 6,261 |
| Loan and lease loss provision to assets | 1.0491% | 1,386 |
| Net operating income to assets | -0.3514% | 6,525 |
| Return on assets (ROA) | -0.2484% | 6,452 |
| Pretax return on assets | -0.4264% | 6,534 |
| Return on Equity (ROE) | -2.1193% | 6,429 |
| Retained earnings to average equity (ytd only) | -2.1193% | 6,163 |
| Net charge-offs to loans | 2.1665% | 827 |
| Credit loss provision to net charge-offs | 67.9148% | 5,023 |
| Earnings coverage of net charge-offs (x) | 0.2988% | 5,430 |
| Efficiency ratio | 83.4888% | 1,983 |
| Assets per employee ($millions) | 4.1536% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,781 |
| Loan loss allowance to noncurrent loans | 36.6528% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 3.6730% | 1,905 |
| Noncurrent loans to loans | 3.0909% | 2,601 |
| Net loans and leases to total assets | 68.6999% | 3,197 |
| Net loans and leases to deposits | 88.4108% | 2,110 |
| Net loans and leases to core deposits | 97.0851% | 2,322 |
| Total domestic deposits to total assets | 77.7053% | 6,339 |
| Equity capital to assets | 11.4606% | 2,476 |
| Core capital (leverage) ratio | 8.2075% | 5,932 |
| Tier 1 risk-based capital ratio | 11.8112% | 5,485 |
| Total risk-based capital ratio | 12.9863% | 5,515 |
| Memoranda: | ||
| Average total assets | $176,347,670 | 3,499 |
| Average earning assets | $152,190,330 | 3,664 |
| Average equity | $20,667,330 | 3,082 |
| Average total loans | $125,732,670 | 3,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 3,614 |
| Cost of funding earning assets | 2.2093% | 573 |
| Net interest margin | 3.0765% | 6,654 |
| Noninterest income to average assets | 0.1963% | 6,554 |
| Noninterest expense to average assets | 2.3719% | 6,185 |
| Loan and lease loss provision to assets | 0.5707% | 2,213 |
| Net operating income to assets | -0.0639% | 6,390 |
| Return on assets (ROA) | -0.0639% | 6,471 |
| Pretax return on assets | -0.1141% | 6,476 |
| Return on Equity (ROE) | -0.5393% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.5393% | 5,959 |
| Net charge-offs to loans | 2.1146% | 803 |
| Credit loss provision to net charge-offs | 37.3692% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.2990% | 4,775 |
| Efficiency ratio | 83.8579% | 2,038 |
| Assets per employee ($millions) | 4.3209% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,915 |
| Loan loss allowance to noncurrent loans | 34.2137% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 3.8650% | 1,787 |
| Noncurrent loans to loans | 3.2739% | 2,436 |
| Net loans and leases to total assets | 71.0079% | 2,697 |
| Net loans and leases to deposits | 92.1716% | 1,589 |
| Net loans and leases to core deposits | 101.1507% | 2,014 |
| Total domestic deposits to total assets | 77.0388% | 6,556 |
| Equity capital to assets | 11.7135% | 2,220 |
| Core capital (leverage) ratio | 8.3965% | 5,569 |
| Tier 1 risk-based capital ratio | 11.1931% | 5,971 |
| Total risk-based capital ratio | 12.3067% | 6,076 |
| Memoranda: | ||
| Average total assets | $175,220,000 | 3,571 |
| Average earning assets | $149,911,000 | 3,754 |
| Average equity | $20,766,500 | 3,096 |
| Average total loans | $126,546,000 | 3,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 3,532 |
| Cost of funding earning assets | 2.4924% | 1,042 |
| Net interest margin | 3.1222% | 6,304 |
| Noninterest income to average assets | 0.5097% | 4,338 |
| Noninterest expense to average assets | 2.5515% | 5,946 |
| Loan and lease loss provision to assets | 0.9207% | 2,436 |
| Net operating income to assets | -0.1244% | 5,715 |
| Return on assets (ROA) | -0.1017% | 5,687 |
| Pretax return on assets | -0.1673% | 5,669 |
| Return on Equity (ROE) | -0.8603% | 5,677 |
| Retained earnings to average equity (ytd only) | -1.2574% | 5,333 |
| Net charge-offs to loans | 0.7147% | 3,044 |
| Credit loss provision to net charge-offs | 169.4352% | 2,523 |
| Earnings coverage of net charge-offs (x) | 1.3212% | 4,808 |
| Efficiency ratio | 78.0416% | 3,188 |
| Assets per employee ($millions) | 4.4432% | 3,029 |
| Cash dividends to net income (ytd only)* | -46.1538% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 3,912 |
| Loan loss allowance to noncurrent loans | 49.3837% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 4.2687% | 1,534 |
| Noncurrent loans to loans | 2.9649% | 2,595 |
| Net loans and leases to total assets | 71.5757% | 2,868 |
| Net loans and leases to deposits | 92.4983% | 1,818 |
| Net loans and leases to core deposits | 121.6469% | 1,817 |
| Total domestic deposits to total assets | 77.3806% | 6,371 |
| Equity capital to assets | 11.9930% | 2,040 |
| Core capital (leverage) ratio | 8.6086% | 5,086 |
| Tier 1 risk-based capital ratio | 11.3567% | 5,559 |
| Total risk-based capital ratio | 12.6094% | 5,505 |
| Memoranda: | ||
| Average total assets | $166,177,400 | 3,669 |
| Average earning assets | $146,885,000 | 3,767 |
| Average equity | $19,644,200 | 3,258 |
| Average total loans | $126,349,600 | 3,345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 3,681 |
| Cost of funding earning assets | 2.5336% | 1,196 |
| Net interest margin | 3.0980% | 6,317 |
| Noninterest income to average assets | 0.5272% | 4,260 |
| Noninterest expense to average assets | 2.6260% | 5,617 |
| Loan and lease loss provision to assets | 0.5515% | 3,180 |
| Net operating income to assets | 0.0675% | 5,561 |
| Return on assets (ROA) | 0.0981% | 5,522 |
| Pretax return on assets | 0.1663% | 5,371 |
| Return on Equity (ROE) | 0.8333% | 5,548 |
| Retained earnings to average equity (ytd only) | 0.2961% | 5,071 |
| Net charge-offs to loans | 0.3152% | 4,072 |
| Credit loss provision to net charge-offs | 227.4247% | 1,917 |
| Earnings coverage of net charge-offs (x) | 2.7625% | 3,851 |
| Efficiency ratio | 79.6752% | 2,906 |
| Assets per employee ($millions) | 4.3235% | 3,161 |
| Cash dividends to net income (ytd only)* | 64.4641% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 4,929 |
| Loan loss allowance to noncurrent loans | 36.7295% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 2.9250% | 2,370 |
| Noncurrent loans to loans | 3.3631% | 2,246 |
| Net loans and leases to total assets | 75.7283% | 2,056 |
| Net loans and leases to deposits | 98.4746% | 1,271 |
| Net loans and leases to core deposits | 130.2029% | 1,425 |
| Total domestic deposits to total assets | 76.9014% | 6,362 |
| Equity capital to assets | 11.9146% | 2,285 |
| Core capital (leverage) ratio | 8.4193% | 5,638 |
| Tier 1 risk-based capital ratio | 10.9290% | 6,011 |
| Total risk-based capital ratio | 12.1789% | 5,978 |
| Memoranda: | ||
| Average total assets | $164,400,500 | 3,715 |
| Average earning assets | $146,928,000 | 3,776 |
| Average equity | $19,359,750 | 3,332 |
| Average total loans | $126,468,750 | 3,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 3,226 |
| Cost of funding earning assets | 2.5735% | 1,364 |
| Net interest margin | 3.1905% | 5,952 |
| Noninterest income to average assets | 0.5509% | 4,033 |
| Noninterest expense to average assets | 2.5768% | 5,829 |
| Loan and lease loss provision to assets | 0.3865% | 3,598 |
| Net operating income to assets | 0.2702% | 5,012 |
| Return on assets (ROA) | 0.3166% | 4,935 |
| Pretax return on assets | 0.5215% | 4,550 |
| Return on Equity (ROE) | 2.6993% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.2494% | 4,085 |
| Net charge-offs to loans | 0.3792% | 3,300 |
| Credit loss provision to net charge-offs | 132.3529% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.8613% | 3,670 |
| Efficiency ratio | 75.5124% | 3,784 |
| Assets per employee ($millions) | 3.9993% | 3,670 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,906 |
| Loan loss allowance to noncurrent loans | 44.5862% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.0918% | 3,070 |
| Noncurrent loans to loans | 2.3573% | 3,073 |
| Net loans and leases to total assets | 74.2381% | 2,640 |
| Net loans and leases to deposits | 96.8301% | 1,681 |
| Net loans and leases to core deposits | 126.1715% | 1,855 |
| Total domestic deposits to total assets | 76.6684% | 6,402 |
| Equity capital to assets | 11.7143% | 2,379 |
| Core capital (leverage) ratio | 8.1371% | 6,098 |
| Tier 1 risk-based capital ratio | 10.5838% | 6,310 |
| Total risk-based capital ratio | 11.6519% | 6,416 |
| Memoranda: | ||
| Average total assets | $162,995,330 | 3,759 |
| Average earning assets | $146,183,670 | 3,815 |
| Average equity | $19,116,330 | 3,374 |
| Average total loans | $125,529,330 | 3,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 2,892 |
| Cost of funding earning assets | 2.5903% | 1,592 |
| Net interest margin | 3.2907% | 5,526 |
| Noninterest income to average assets | 0.4357% | 4,911 |
| Noninterest expense to average assets | 2.5870% | 5,512 |
| Loan and lease loss provision to assets | 0.2954% | 3,584 |
| Net operating income to assets | 0.2984% | 5,305 |
| Return on assets (ROA) | 0.3914% | 5,069 |
| Pretax return on assets | 0.6474% | 4,596 |
| Return on Equity (ROE) | 3.3350% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.3350% | 4,022 |
| Net charge-offs to loans | 0.6342% | 1,911 |
| Credit loss provision to net charge-offs | 59.7015% | 4,522 |
| Earnings coverage of net charge-offs (x) | 1.6119% | 3,919 |
| Efficiency ratio | 76.4364% | 3,415 |
| Assets per employee ($millions) | 3.8073% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 6,721 |
| Loan loss allowance to noncurrent loans | 112.8458% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 4,818 |
| Noncurrent loans to loans | 0.8028% | 5,428 |
| Net loans and leases to total assets | 76.3056% | 2,203 |
| Net loans and leases to deposits | 99.8713% | 1,431 |
| Net loans and leases to core deposits | 129.6635% | 1,684 |
| Total domestic deposits to total assets | 76.4040% | 6,433 |
| Equity capital to assets | 11.7101% | 2,438 |
| Core capital (leverage) ratio | 8.1169% | 6,263 |
| Tier 1 risk-based capital ratio | 10.4141% | 6,483 |
| Total risk-based capital ratio | 11.3464% | 6,725 |
| Memoranda: | ||
| Average total assets | $162,507,500 | 3,786 |
| Average earning assets | $145,622,000 | 3,834 |
| Average equity | $19,070,500 | 3,407 |
| Average total loans | $126,783,000 | 3,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4655% | 3,135 |
| Cost of funding earning assets | 3.1781% | 1,259 |
| Net interest margin | 3.2874% | 6,083 |
| Noninterest income to average assets | 0.5276% | 4,406 |
| Noninterest expense to average assets | 2.5035% | 5,987 |
| Loan and lease loss provision to assets | 0.2398% | 4,504 |
| Net operating income to assets | 0.4216% | 5,070 |
| Return on assets (ROA) | 0.4430% | 4,804 |
| Pretax return on assets | 0.7396% | 4,281 |
| Return on Equity (ROE) | 3.8358% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.8358% | 2,739 |
| Net charge-offs to loans | 0.5006% | 2,364 |
| Credit loss provision to net charge-offs | 62.3974% | 6,203 |
| Earnings coverage of net charge-offs (x) | 2.4614% | 4,844 |
| Efficiency ratio | 72.5759% | 3,833 |
| Assets per employee ($millions) | 3.7512% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 6,356 |
| Loan loss allowance to noncurrent loans | 156.7949% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 4,812 |
| Noncurrent loans to loans | 0.6118% | 5,537 |
| Net loans and leases to total assets | 78.2872% | 2,053 |
| Net loans and leases to deposits | 103.2535% | 1,430 |
| Net loans and leases to core deposits | 139.1478% | 1,309 |
| Total domestic deposits to total assets | 75.8204% | 6,286 |
| Equity capital to assets | 11.7606% | 2,461 |
| Core capital (leverage) ratio | 8.1371% | 6,270 |
| Tier 1 risk-based capital ratio | 10.2990% | 6,423 |
| Total risk-based capital ratio | 11.2989% | 6,564 |
| Memoranda: | ||
| Average total assets | $158,459,800 | 3,747 |
| Average earning assets | $140,839,200 | 3,830 |
| Average equity | $18,301,400 | 3,505 |
| Average total loans | $121,657,200 | 3,426 |