Home > TruPoint Bank > Performance and Condition Ratios
TruPoint 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 | 4.1371% | 3,744 |
| Cost of funding earning assets | 0.8426% | 3,627 |
| Net interest margin | 3.2945% | 2,653 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.7068% | 1,720 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.9074% | 2,526 |
| Return on assets (ROA) | 0.9079% | 2,495 |
| Pretax return on assets | 1.1334% | 2,305 |
| Return on Equity (ROE) | 11.8600% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.3379% | 2,120 |
| Net charge-offs to loans | -0.0048% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.2274% | 1,735 |
| Assets per employee ($millions) | 4.5244% | 3,938 |
| Cash dividends to net income (ytd only)* | 46.5500% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 2,855 |
| Loan loss allowance to noncurrent loans | 3,078.6325% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,586 |
| Noncurrent loans to loans | 0.0356% | 3,478 |
| Net loans and leases to total assets | 59.2900% | 2,909 |
| Net loans and leases to deposits | 67.7548% | 3,054 |
| Net loans and leases to core deposits | 73.7935% | 3,085 |
| Total domestic deposits to total assets | 87.5100% | 1,514 |
| Equity capital to assets | 8.0970% | 3,356 |
| Core capital (leverage) ratio | 11.6630% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $547,557,000 | 1,624 |
| Average earning assets | $508,446,200 | 1,607 |
| Average equity | $41,922,200 | 1,818 |
| Average total loans | $335,960,800 | 1,661 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,598 |
| Cost of funding earning assets | 0.6954% | 3,774 |
| Net interest margin | 3.4376% | 2,372 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.6832% | 1,717 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.9704% | 2,448 |
| Return on assets (ROA) | 0.9710% | 2,440 |
| Pretax return on assets | 1.2135% | 2,266 |
| Return on Equity (ROE) | 12.8700% | 1,926 |
| Retained earnings to average equity (ytd only) | 6.4631% | 2,475 |
| Net charge-offs to loans | -0.0008% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4698% | 1,849 |
| Assets per employee ($millions) | 4.4558% | 3,971 |
| Cash dividends to net income (ytd only)* | 49.7743% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 2,847 |
| Loan loss allowance to noncurrent loans | 2,464.4295% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,523 |
| Noncurrent loans to loans | 0.0448% | 3,438 |
| Net loans and leases to total assets | 62.5600% | 2,595 |
| Net loans and leases to deposits | 71.3693% | 2,751 |
| Net loans and leases to core deposits | 75.8604% | 2,873 |
| Total domestic deposits to total assets | 87.6600% | 1,682 |
| Equity capital to assets | 7.5924% | 3,298 |
| Core capital (leverage) ratio | 11.3820% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $547,583,250 | 1,621 |
| Average earning assets | $508,281,500 | 1,606 |
| Average equity | $41,321,000 | 1,823 |
| Average total loans | $337,901,250 | 1,651 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 3,535 |
| Cost of funding earning assets | 0.4988% | 3,979 |
| Net interest margin | 3.5766% | 2,085 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.6194% | 1,874 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0657% | 2,222 |
| Return on assets (ROA) | 1.0666% | 2,216 |
| Pretax return on assets | 1.3348% | 1,977 |
| Return on Equity (ROE) | 14.1600% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.2410% | 2,531 |
| Net charge-offs to loans | 0.0035% | 2,186 |
| Credit loss provision to net charge-offs | 1,116.6667% | 379 |
| Earnings coverage of net charge-offs (x) | 627.8333% | 233 |
| Efficiency ratio | 65.8601% | 2,258 |
| Assets per employee ($millions) | 4.4159% | 4,002 |
| Cash dividends to net income (ytd only)* | 55.9311% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,838 |
| Loan loss allowance to noncurrent loans | 3,018.8976% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,571 |
| Noncurrent loans to loans | 0.0371% | 3,469 |
| Net loans and leases to total assets | 62.2600% | 2,556 |
| Net loans and leases to deposits | 70.3402% | 2,758 |
| Net loans and leases to core deposits | 75.5699% | 2,786 |
| Total domestic deposits to total assets | 88.5100% | 1,422 |
| Equity capital to assets | 7.6747% | 3,419 |
| Core capital (leverage) ratio | 10.8877% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $554,851,333 | 1,592 |
| Average earning assets | $515,687,667 | 1,582 |
| Average equity | $41,788,333 | 1,820 |
| Average total loans | $339,668,000 | 1,630 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,690 |
| Cost of funding earning assets | 0.2691% | 4,260 |
| Net interest margin | 3.6227% | 2,077 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.5247% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1764% | 2,005 |
| Return on assets (ROA) | 1.1764% | 1,964 |
| Pretax return on assets | 1.4746% | 1,722 |
| Return on Equity (ROE) | 15.7700% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.2964% | 2,953 |
| Net charge-offs to loans | -0.0154% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.1288% | 2,549 |
| Assets per employee ($millions) | 4.7161% | 3,875 |
| Cash dividends to net income (ytd only)* | 66.4039% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 2,963 |
| Loan loss allowance to noncurrent loans | 443.3062% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,429 |
| Noncurrent loans to loans | 0.2523% | 2,244 |
| Net loans and leases to total assets | 60.5000% | 2,594 |
| Net loans and leases to deposits | 68.1084% | 2,757 |
| Net loans and leases to core deposits | 70.3346% | 2,932 |
| Total domestic deposits to total assets | 88.8300% | 1,603 |
| Equity capital to assets | 7.4651% | 3,581 |
| Core capital (leverage) ratio | 10.6553% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $560,696,500 | 1,596 |
| Average earning assets | $521,705,000 | 1,592 |
| Average equity | $41,839,500 | 1,845 |
| Average total loans | $338,512,500 | 1,658 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 3,240 |
| Cost of funding earning assets | 0.1708% | 3,993 |
| Net interest margin | 3.2682% | 2,653 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.4694% | 2,208 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.2636% | 1,554 |
| Return on assets (ROA) | 1.2636% | 1,503 |
| Pretax return on assets | 1.5837% | 1,204 |
| Return on Equity (ROE) | 16.3700% | 984 |
| Retained earnings to average equity (ytd only) | 14.1946% | 364 |
| Net charge-offs to loans | 0.2837% | 275 |
| Credit loss provision to net charge-offs | 92.5611% | 1,622 |
| Earnings coverage of net charge-offs (x) | 10.2476% | 2,195 |
| Efficiency ratio | 58.6510% | 3,241 |
| Assets per employee ($millions) | 4.8282% | 3,796 |
| Cash dividends to net income (ytd only)* | 13.2733% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,157 |
| Loan loss allowance to noncurrent loans | 413.4752% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,494 |
| Noncurrent loans to loans | 0.2514% | 2,267 |
| Net loans and leases to total assets | 58.9500% | 2,738 |
| Net loans and leases to deposits | 66.1480% | 2,885 |
| Net loans and leases to core deposits | 67.8862% | 3,018 |
| Total domestic deposits to total assets | 89.1200% | 1,686 |
| Equity capital to assets | 7.4590% | 3,403 |
| Core capital (leverage) ratio | 10.6592% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $553,892,000 | 1,598 |
| Average earning assets | $515,271,600 | 1,590 |
| Average equity | $42,762,600 | 1,833 |
| Average total loans | $331,663,600 | 1,597 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3445% | 3,065 |
| Cost of funding earning assets | 0.1748% | 3,568 |
| Net interest margin | 3.1697% | 2,713 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.4155% | 2,276 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.9764% | 2,558 |
| Return on assets (ROA) | 0.9764% | 2,535 |
| Pretax return on assets | 1.2200% | 2,290 |
| Return on Equity (ROE) | 12.5400% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.2484% | 1,275 |
| Net charge-offs to loans | -0.0069% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4009% | 2,638 |
| Assets per employee ($millions) | 4.7460% | 3,876 |
| Cash dividends to net income (ytd only)* | 18.2607% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,955.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,506 |
| Noncurrent loans to loans | 0.0672% | 3,397 |
| Net loans and leases to total assets | 58.6500% | 2,633 |
| Net loans and leases to deposits | 65.6203% | 2,750 |
| Net loans and leases to core deposits | 67.6945% | 2,826 |
| Total domestic deposits to total assets | 89.3700% | 1,929 |
| Equity capital to assets | 6.8488% | 3,589 |
| Core capital (leverage) ratio | 10.0682% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $551,140,500 | 1,614 |
| Average earning assets | $512,673,500 | 1,614 |
| Average equity | $42,919,250 | 1,849 |
| Average total loans | $330,447,500 | 1,599 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2224% | 2,978 |
| Cost of funding earning assets | 0.1746% | 3,255 |
| Net interest margin | 3.0478% | 2,728 |
| Noninterest income to average assets | 0.7654% | 1,140 |
| Noninterest expense to average assets | 2.4061% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9577% | 2,323 |
| Return on assets (ROA) | 0.9577% | 2,298 |
| Pretax return on assets | 1.1964% | 2,087 |
| Return on Equity (ROE) | 11.8234% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.3781% | 1,182 |
| Net charge-offs to loans | -0.0253% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7909% | 2,403 |
| Assets per employee ($millions) | 4.6341% | 3,985 |
| Cash dividends to net income (ytd only)* | 20.6818% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,173 |
| Loan loss allowance to noncurrent loans | 1,234.1216% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,448 |
| Noncurrent loans to loans | 0.0889% | 3,329 |
| Net loans and leases to total assets | 59.6856% | 2,360 |
| Net loans and leases to deposits | 67.2798% | 2,445 |
| Net loans and leases to core deposits | 69.4178% | 2,529 |
| Total domestic deposits to total assets | 88.7125% | 2,293 |
| Equity capital to assets | 6.7430% | 3,913 |
| Core capital (leverage) ratio | 9.9296% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,342,000 | 1,621 |
| Average earning assets | $513,224,333 | 1,630 |
| Average equity | $44,657,333 | 1,844 |
| Average total loans | $331,538,667 | 1,594 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 2,813 |
| Cost of funding earning assets | 0.1773% | 3,119 |
| Net interest margin | 2.9773% | 2,577 |
| Noninterest income to average assets | 0.7626% | 1,141 |
| Noninterest expense to average assets | 2.3480% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9541% | 2,058 |
| Return on assets (ROA) | 0.9541% | 2,054 |
| Pretax return on assets | 1.1921% | 1,832 |
| Return on Equity (ROE) | 10.8692% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.9432% | 1,602 |
| Net charge-offs to loans | -0.0653% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3251% | 2,729 |
| Assets per employee ($millions) | 4.5466% | 4,104 |
| Cash dividends to net income (ytd only)* | 26.9202% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,410 |
| Loan loss allowance to noncurrent loans | 675.6506% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,122 |
| Noncurrent loans to loans | 0.1601% | 3,002 |
| Net loans and leases to total assets | 60.4130% | 2,020 |
| Net loans and leases to deposits | 69.6724% | 1,990 |
| Net loans and leases to core deposits | 71.9045% | 2,124 |
| Total domestic deposits to total assets | 86.7101% | 3,033 |
| Equity capital to assets | 8.2767% | 3,343 |
| Core capital (leverage) ratio | 9.7548% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,282,500 | 1,632 |
| Average earning assets | $514,294,500 | 1,637 |
| Average equity | $48,393,500 | 1,775 |
| Average total loans | $330,910,000 | 1,584 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 3,236 |
| Cost of funding earning assets | 0.2021% | 3,440 |
| Net interest margin | 3.0898% | 2,942 |
| Noninterest income to average assets | 0.7311% | 1,660 |
| Noninterest expense to average assets | 2.4320% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9723% | 2,786 |
| Return on assets (ROA) | 0.9723% | 2,850 |
| Pretax return on assets | 1.1831% | 2,723 |
| Return on Equity (ROE) | 10.2913% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.0697% | 1,176 |
| Net charge-offs to loans | 0.0063% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 314.2000% | 387 |
| Efficiency ratio | 67.2725% | 2,087 |
| Assets per employee ($millions) | 4.8038% | 3,884 |
| Cash dividends to net income (ytd only)* | 11.8706% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,104 |
| Loan loss allowance to noncurrent loans | 1,608.1197% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,709 |
| Noncurrent loans to loans | 0.0718% | 3,576 |
| Net loans and leases to total assets | 58.3004% | 2,344 |
| Net loans and leases to deposits | 67.8741% | 2,322 |
| Net loans and leases to core deposits | 69.9255% | 2,449 |
| Total domestic deposits to total assets | 85.8949% | 2,948 |
| Equity capital to assets | 9.2779% | 3,343 |
| Core capital (leverage) ratio | 9.7167% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,133,000 | 1,620 |
| Average earning assets | $495,760,000 | 1,620 |
| Average equity | $50,178,200 | 1,758 |
| Average total loans | $318,200,200 | 1,631 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 3,303 |
| Cost of funding earning assets | 0.2076% | 3,534 |
| Net interest margin | 3.1244% | 2,987 |
| Noninterest income to average assets | 0.6758% | 1,908 |
| Noninterest expense to average assets | 2.4581% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9202% | 3,178 |
| Return on assets (ROA) | 0.9202% | 3,250 |
| Pretax return on assets | 1.1332% | 3,127 |
| Return on Equity (ROE) | 9.6947% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.4685% | 1,887 |
| Net charge-offs to loans | -0.0185% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4460% | 1,769 |
| Assets per employee ($millions) | 4.8455% | 3,845 |
| Cash dividends to net income (ytd only)* | 12.6481% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,120 |
| Loan loss allowance to noncurrent loans | 1,628.5106% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,609 |
| Noncurrent loans to loans | 0.0718% | 3,731 |
| Net loans and leases to total assets | 60.6454% | 2,178 |
| Net loans and leases to deposits | 71.4607% | 2,107 |
| Net loans and leases to core deposits | 73.7187% | 2,266 |
| Total domestic deposits to total assets | 84.8654% | 3,162 |
| Equity capital to assets | 9.6856% | 3,203 |
| Core capital (leverage) ratio | 9.5297% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,808,250 | 1,643 |
| Average earning assets | $490,660,750 | 1,645 |
| Average equity | $49,909,250 | 1,783 |
| Average total loans | $316,292,000 | 1,665 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 3,301 |
| Cost of funding earning assets | 0.2150% | 3,602 |
| Net interest margin | 3.1372% | 2,935 |
| Noninterest income to average assets | 0.5858% | 2,276 |
| Noninterest expense to average assets | 2.4619% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8555% | 3,349 |
| Return on assets (ROA) | 0.8555% | 3,428 |
| Pretax return on assets | 1.0512% | 3,330 |
| Return on Equity (ROE) | 9.0763% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.8359% | 2,137 |
| Net charge-offs to loans | -0.0237% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0783% | 1,625 |
| Assets per employee ($millions) | 4.5795% | 4,040 |
| Cash dividends to net income (ytd only)* | 13.6668% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,658 |
| Loan loss allowance to noncurrent loans | 936.2745% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 3,502 |
| Noncurrent loans to loans | 0.1342% | 3,519 |
| Net loans and leases to total assets | 56.5165% | 2,838 |
| Net loans and leases to deposits | 66.3978% | 2,789 |
| Net loans and leases to core deposits | 68.5430% | 2,911 |
| Total domestic deposits to total assets | 85.1179% | 3,047 |
| Equity capital to assets | 9.4169% | 3,411 |
| Core capital (leverage) ratio | 9.2927% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,407,667 | 1,646 |
| Average earning assets | $488,393,667 | 1,643 |
| Average equity | $49,337,333 | 1,791 |
| Average total loans | $312,698,333 | 1,687 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 3,264 |
| Cost of funding earning assets | 0.2294% | 3,648 |
| Net interest margin | 3.1477% | 2,852 |
| Noninterest income to average assets | 0.4835% | 2,680 |
| Noninterest expense to average assets | 2.4308% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8069% | 3,402 |
| Return on assets (ROA) | 0.8069% | 3,475 |
| Pretax return on assets | 0.9902% | 3,397 |
| Return on Equity (ROE) | 8.5561% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.3070% | 2,475 |
| Net charge-offs to loans | -0.0189% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0556% | 1,602 |
| Assets per employee ($millions) | 4.4678% | 4,132 |
| Cash dividends to net income (ytd only)* | 14.5992% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,863 |
| Loan loss allowance to noncurrent loans | 1,085.1429% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 3,602 |
| Noncurrent loans to loans | 0.1119% | 3,749 |
| Net loans and leases to total assets | 58.6253% | 2,726 |
| Net loans and leases to deposits | 68.9846% | 2,603 |
| Net loans and leases to core deposits | 71.2328% | 2,765 |
| Total domestic deposits to total assets | 84.9832% | 3,101 |
| Equity capital to assets | 9.2617% | 3,433 |
| Core capital (leverage) ratio | 9.4914% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,503,000 | 1,641 |
| Average earning assets | $484,799,500 | 1,634 |
| Average equity | $48,994,000 | 1,788 |
| Average total loans | $317,025,000 | 1,675 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 3,452 |
| Cost of funding earning assets | 0.3869% | 3,664 |
| Net interest margin | 3.3605% | 2,899 |
| Noninterest income to average assets | 0.7372% | 1,728 |
| Noninterest expense to average assets | 2.8338% | 1,854 |
| Loan and lease loss provision to assets | 0.2595% | 1,496 |
| Net operating income to assets | 0.6277% | 3,658 |
| Return on assets (ROA) | 0.6344% | 3,761 |
| Pretax return on assets | 0.7711% | 3,702 |
| Return on Equity (ROE) | 6.3680% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.0856% | 2,236 |
| Net charge-offs to loans | 0.0344% | 2,359 |
| Credit loss provision to net charge-offs | 1,142.2018% | 706 |
| Earnings coverage of net charge-offs (x) | 45.0092% | 1,290 |
| Efficiency ratio | 73.4854% | 1,508 |
| Assets per employee ($millions) | 4.3373% | 4,079 |
| Cash dividends to net income (ytd only)* | 20.1380% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 3,065 |
| Loan loss allowance to noncurrent loans | 596.6877% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,425 |
| Noncurrent loans to loans | 0.1974% | 3,498 |
| Net loans and leases to total assets | 62.0150% | 2,612 |
| Net loans and leases to deposits | 73.2754% | 2,566 |
| Net loans and leases to core deposits | 76.9737% | 2,636 |
| Total domestic deposits to total assets | 84.6327% | 2,901 |
| Equity capital to assets | 9.6053% | 3,509 |
| Core capital (leverage) ratio | 9.6185% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,814,000 | 1,610 |
| Average earning assets | $445,348,400 | 1,604 |
| Average equity | $47,801,200 | 1,763 |
| Average total loans | $317,222,400 | 1,624 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 3,435 |
| Cost of funding earning assets | 0.4187% | 3,712 |
| Net interest margin | 3.4228% | 2,840 |
| Noninterest income to average assets | 0.7681% | 1,601 |
| Noninterest expense to average assets | 2.9285% | 1,617 |
| Loan and lease loss provision to assets | 0.2355% | 1,727 |
| Net operating income to assets | 0.6479% | 3,634 |
| Return on assets (ROA) | 0.6545% | 3,716 |
| Pretax return on assets | 0.7839% | 3,686 |
| Return on Equity (ROE) | 6.5062% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.2167% | 2,467 |
| Net charge-offs to loans | 0.0426% | 2,015 |
| Credit loss provision to net charge-offs | 824.7525% | 962 |
| Earnings coverage of net charge-offs (x) | 35.4356% | 1,453 |
| Efficiency ratio | 74.3294% | 1,378 |
| Assets per employee ($millions) | 4.0235% | 4,293 |
| Cash dividends to net income (ytd only)* | 19.8187% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,230 |
| Loan loss allowance to noncurrent loans | 759.5506% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,729 |
| Noncurrent loans to loans | 0.1444% | 3,807 |
| Net loans and leases to total assets | 62.1114% | 2,991 |
| Net loans and leases to deposits | 74.3109% | 2,926 |
| Net loans and leases to core deposits | 78.2723% | 2,983 |
| Total domestic deposits to total assets | 83.5831% | 2,958 |
| Equity capital to assets | 9.9405% | 3,279 |
| Core capital (leverage) ratio | 9.4930% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9800% | 1,501 |
| Memoranda: | ||
| Average total assets | $471,817,000 | 1,614 |
| Average earning assets | $437,218,250 | 1,614 |
| Average equity | $47,461,500 | 1,763 |
| Average total loans | $316,233,750 | 1,625 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,499 |
| Cost of funding earning assets | 0.4585% | 3,752 |
| Net interest margin | 3.4804% | 2,857 |
| Noninterest income to average assets | 0.8211% | 1,373 |
| Noninterest expense to average assets | 2.9820% | 1,625 |
| Loan and lease loss provision to assets | 0.2161% | 1,928 |
| Net operating income to assets | 0.7028% | 3,386 |
| Return on assets (ROA) | 0.7128% | 3,463 |
| Pretax return on assets | 0.8572% | 3,434 |
| Return on Equity (ROE) | 7.0570% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.7554% | 2,175 |
| Net charge-offs to loans | 0.0558% | 1,700 |
| Credit loss provision to net charge-offs | 565.1685% | 1,147 |
| Earnings coverage of net charge-offs (x) | 27.7528% | 1,482 |
| Efficiency ratio | 73.7513% | 1,489 |
| Assets per employee ($millions) | 3.9150% | 4,385 |
| Cash dividends to net income (ytd only)* | 18.4448% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 3,812 |
| Loan loss allowance to noncurrent loans | 437.4286% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 3,605 |
| Noncurrent loans to loans | 0.2164% | 3,602 |
| Net loans and leases to total assets | 66.0170% | 2,625 |
| Net loans and leases to deposits | 79.4385% | 2,498 |
| Net loans and leases to core deposits | 83.7373% | 2,631 |
| Total domestic deposits to total assets | 83.1045% | 3,054 |
| Equity capital to assets | 9.9518% | 3,253 |
| Core capital (leverage) ratio | 9.5864% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2339% | 1,717 |
| Memoranda: | ||
| Average total assets | $465,465,000 | 1,603 |
| Average earning assets | $430,932,000 | 1,612 |
| Average equity | $47,017,000 | 1,766 |
| Average total loans | $318,889,000 | 1,599 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,773 |
| Cost of funding earning assets | 0.5003% | 3,945 |
| Net interest margin | 3.5034% | 2,966 |
| Noninterest income to average assets | 0.8255% | 1,239 |
| Noninterest expense to average assets | 2.9508% | 2,006 |
| Loan and lease loss provision to assets | 0.1502% | 1,896 |
| Net operating income to assets | 0.7992% | 2,911 |
| Return on assets (ROA) | 0.7992% | 3,002 |
| Pretax return on assets | 0.9652% | 2,947 |
| Return on Equity (ROE) | 7.8500% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.5302% | 1,703 |
| Net charge-offs to loans | 0.1264% | 954 |
| Credit loss provision to net charge-offs | 171.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 12.7000% | 1,683 |
| Efficiency ratio | 72.5702% | 1,995 |
| Assets per employee ($millions) | 3.6807% | 4,297 |
| Cash dividends to net income (ytd only)* | 16.8132% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 4,300 |
| Loan loss allowance to noncurrent loans | 272.3447% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 3,396 |
| Noncurrent loans to loans | 0.3092% | 3,388 |
| Net loans and leases to total assets | 70.6874% | 2,139 |
| Net loans and leases to deposits | 84.1779% | 2,201 |
| Net loans and leases to core deposits | 89.2599% | 2,419 |
| Total domestic deposits to total assets | 83.9739% | 2,796 |
| Equity capital to assets | 10.4088% | 3,406 |
| Core capital (leverage) ratio | 9.9342% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1711% | 1,854 |
| Memoranda: | ||
| Average total assets | $455,467,500 | 1,589 |
| Average earning assets | $421,307,500 | 1,597 |
| Average equity | $46,369,500 | 1,781 |
| Average total loans | $316,559,500 | 1,570 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 4,185 |
| Cost of funding earning assets | 0.4799% | 4,168 |
| Net interest margin | 3.5510% | 3,286 |
| Noninterest income to average assets | 0.8159% | 1,401 |
| Noninterest expense to average assets | 2.9752% | 2,076 |
| Loan and lease loss provision to assets | 0.0605% | 2,830 |
| Net operating income to assets | 0.8639% | 3,346 |
| Return on assets (ROA) | 0.8657% | 3,427 |
| Pretax return on assets | 1.0616% | 3,294 |
| Return on Equity (ROE) | 9.0269% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.0231% | 970 |
| Net charge-offs to loans | -0.0120% | 4,515 |
| Credit loss provision to net charge-offs | -774.2857% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6519% | 1,779 |
| Assets per employee ($millions) | 3.7869% | 4,160 |
| Cash dividends to net income (ytd only)* | 11.1197% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 4,144 |
| Loan loss allowance to noncurrent loans | 260.3736% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 3,395 |
| Noncurrent loans to loans | 0.3277% | 3,265 |
| Net loans and leases to total assets | 67.1599% | 2,805 |
| Net loans and leases to deposits | 79.0643% | 2,900 |
| Net loans and leases to core deposits | 83.7014% | 2,978 |
| Total domestic deposits to total assets | 84.9434% | 2,514 |
| Equity capital to assets | 9.9552% | 3,965 |
| Core capital (leverage) ratio | 9.8671% | 3,652 |
| Tier 1 risk-based capital ratio | 14.6927% | 2,911 |
| Total risk-based capital ratio | 15.5733% | 3,015 |
| Memoranda: | ||
| Average total assets | $447,705,200 | 1,564 |
| Average earning assets | $413,428,600 | 1,572 |
| Average equity | $42,938,400 | 1,818 |
| Average total loans | $291,939,000 | 1,640 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 4,297 |
| Cost of funding earning assets | 0.4687% | 4,267 |
| Net interest margin | 3.5629% | 3,362 |
| Noninterest income to average assets | 0.8442% | 1,294 |
| Noninterest expense to average assets | 2.9882% | 2,015 |
| Loan and lease loss provision to assets | 0.0731% | 2,423 |
| Net operating income to assets | 0.8837% | 3,405 |
| Return on assets (ROA) | 0.8861% | 3,472 |
| Pretax return on assets | 1.0742% | 3,363 |
| Return on Equity (ROE) | 9.3305% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.3337% | 1,273 |
| Net charge-offs to loans | -0.0186% | 4,567 |
| Credit loss provision to net charge-offs | -610.0000% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3088% | 1,789 |
| Assets per employee ($millions) | 3.7433% | 4,227 |
| Cash dividends to net income (ytd only)* | 10.6828% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,243 |
| Loan loss allowance to noncurrent loans | 381.5407% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,713 |
| Noncurrent loans to loans | 0.2222% | 3,747 |
| Net loans and leases to total assets | 68.3469% | 2,740 |
| Net loans and leases to deposits | 81.4836% | 2,749 |
| Net loans and leases to core deposits | 86.2593% | 2,889 |
| Total domestic deposits to total assets | 83.8782% | 2,866 |
| Equity capital to assets | 9.9216% | 4,100 |
| Core capital (leverage) ratio | 9.7156% | 3,952 |
| Tier 1 risk-based capital ratio | 14.1591% | 3,250 |
| Total risk-based capital ratio | 15.0323% | 3,340 |
| Memoranda: | ||
| Average total assets | $445,078,750 | 1,578 |
| Average earning assets | $410,779,500 | 1,587 |
| Average equity | $42,269,000 | 1,852 |
| Average total loans | $287,328,250 | 1,669 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 4,402 |
| Cost of funding earning assets | 0.4654% | 4,259 |
| Net interest margin | 3.5241% | 3,518 |
| Noninterest income to average assets | 0.8452% | 1,219 |
| Noninterest expense to average assets | 2.9952% | 2,020 |
| Loan and lease loss provision to assets | 0.0924% | 2,001 |
| Net operating income to assets | 0.8352% | 3,523 |
| Return on assets (ROA) | 0.8352% | 3,583 |
| Pretax return on assets | 1.0101% | 3,511 |
| Return on Equity (ROE) | 8.9295% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.9609% | 1,418 |
| Net charge-offs to loans | -0.0279% | 4,656 |
| Credit loss provision to net charge-offs | -525.6410% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0943% | 1,759 |
| Assets per employee ($millions) | 3.6988% | 4,249 |
| Cash dividends to net income (ytd only)* | 10.8473% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,291 |
| Loan loss allowance to noncurrent loans | 423.2406% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,642 |
| Noncurrent loans to loans | 0.1994% | 3,834 |
| Net loans and leases to total assets | 67.8844% | 2,829 |
| Net loans and leases to deposits | 77.3577% | 3,211 |
| Net loans and leases to core deposits | 81.5491% | 3,295 |
| Total domestic deposits to total assets | 87.7540% | 1,221 |
| Equity capital to assets | 9.7379% | 4,202 |
| Core capital (leverage) ratio | 9.2774% | 4,383 |
| Tier 1 risk-based capital ratio | 13.9473% | 3,343 |
| Total risk-based capital ratio | 14.8147% | 3,447 |
| Memoranda: | ||
| Average total assets | $443,707,670 | 1,579 |
| Average earning assets | $409,526,000 | 1,595 |
| Average equity | $41,503,000 | 1,874 |
| Average total loans | $279,893,000 | 1,711 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,599 |
| Cost of funding earning assets | 0.4475% | 4,298 |
| Net interest margin | 3.4262% | 3,819 |
| Noninterest income to average assets | 0.7759% | 1,348 |
| Noninterest expense to average assets | 2.9154% | 2,236 |
| Loan and lease loss provision to assets | 0.0344% | 2,941 |
| Net operating income to assets | 0.8176% | 3,559 |
| Return on assets (ROA) | 0.8176% | 3,597 |
| Pretax return on assets | 0.9869% | 3,488 |
| Return on Equity (ROE) | 8.9266% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.1654% | 1,601 |
| Net charge-offs to loans | -0.0405% | 4,767 |
| Credit loss provision to net charge-offs | -140.7407% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0570% | 1,751 |
| Assets per employee ($millions) | 3.6732% | 4,382 |
| Cash dividends to net income (ytd only)* | 8.5271% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,224 |
| Loan loss allowance to noncurrent loans | 402.3411% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,684 |
| Noncurrent loans to loans | 0.2196% | 3,800 |
| Net loans and leases to total assets | 60.2331% | 3,682 |
| Net loans and leases to deposits | 68.3965% | 3,894 |
| Net loans and leases to core deposits | 72.1096% | 3,937 |
| Total domestic deposits to total assets | 88.0646% | 1,302 |
| Equity capital to assets | 9.2400% | 4,491 |
| Core capital (leverage) ratio | 9.2620% | 4,393 |
| Tier 1 risk-based capital ratio | 15.4365% | 2,679 |
| Total risk-based capital ratio | 16.3482% | 2,751 |
| Memoranda: | ||
| Average total assets | $441,787,000 | 1,593 |
| Average earning assets | $407,570,000 | 1,604 |
| Average equity | $40,463,500 | 1,912 |
| Average total loans | $266,638,500 | 1,772 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,684 |
| Cost of funding earning assets | 0.3316% | 4,399 |
| Net interest margin | 3.3583% | 4,110 |
| Noninterest income to average assets | 0.7842% | 1,506 |
| Noninterest expense to average assets | 3.0345% | 1,979 |
| Loan and lease loss provision to assets | 0.0825% | 2,478 |
| Net operating income to assets | 0.6295% | 4,337 |
| Return on assets (ROA) | 0.6295% | 4,346 |
| Pretax return on assets | 0.7471% | 4,295 |
| Return on Equity (ROE) | 6.9962% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,050 |
| Net charge-offs to loans | 0.0266% | 2,881 |
| Credit loss provision to net charge-offs | 558.7302% | 629 |
| Earnings coverage of net charge-offs (x) | 56.2063% | 1,067 |
| Efficiency ratio | 78.5303% | 1,085 |
| Assets per employee ($millions) | 3.6287% | 4,414 |
| Cash dividends to net income (ytd only)* | 10.3089% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,174 |
| Loan loss allowance to noncurrent loans | 379.5786% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,617 |
| Noncurrent loans to loans | 0.2364% | 3,733 |
| Net loans and leases to total assets | 59.3891% | 3,829 |
| Net loans and leases to deposits | 67.1408% | 4,037 |
| Net loans and leases to core deposits | 69.6570% | 4,131 |
| Total domestic deposits to total assets | 88.4546% | 1,093 |
| Equity capital to assets | 9.0758% | 4,516 |
| Core capital (leverage) ratio | 9.3972% | 4,241 |
| Tier 1 risk-based capital ratio | 15.8097% | 2,492 |
| Total risk-based capital ratio | 16.7371% | 2,547 |
| Memoranda: | ||
| Average total assets | $426,825,600 | 1,602 |
| Average earning assets | $391,451,600 | 1,619 |
| Average equity | $38,406,800 | 1,919 |
| Average total loans | $237,043,400 | 1,902 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,732 |
| Cost of funding earning assets | 0.3180% | 4,386 |
| Net interest margin | 3.3246% | 4,213 |
| Noninterest income to average assets | 0.8389% | 1,357 |
| Noninterest expense to average assets | 3.1145% | 1,729 |
| Loan and lease loss provision to assets | 0.0750% | 2,456 |
| Net operating income to assets | 0.5887% | 4,531 |
| Return on assets (ROA) | 0.5887% | 4,540 |
| Pretax return on assets | 0.6951% | 4,545 |
| Return on Equity (ROE) | 6.5566% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.8747% | 2,718 |
| Net charge-offs to loans | 0.0415% | 2,252 |
| Credit loss provision to net charge-offs | 331.9444% | 951 |
| Earnings coverage of net charge-offs (x) | 34.0685% | 1,498 |
| Efficiency ratio | 80.1746% | 928 |
| Assets per employee ($millions) | 3.4252% | 4,652 |
| Cash dividends to net income (ytd only)* | 10.3998% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,216 |
| Loan loss allowance to noncurrent loans | 469.1332% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 3,120 |
| Noncurrent loans to loans | 0.1947% | 4,012 |
| Net loans and leases to total assets | 56.6867% | 4,160 |
| Net loans and leases to deposits | 64.8032% | 4,288 |
| Net loans and leases to core deposits | 67.3373% | 4,330 |
| Total domestic deposits to total assets | 87.4752% | 1,503 |
| Equity capital to assets | 9.0139% | 4,537 |
| Core capital (leverage) ratio | 9.0292% | 4,677 |
| Tier 1 risk-based capital ratio | 16.2879% | 2,340 |
| Total risk-based capital ratio | 17.2273% | 2,396 |
| Memoranda: | ||
| Average total assets | $424,670,750 | 1,619 |
| Average earning assets | $389,051,750 | 1,633 |
| Average equity | $38,128,500 | 1,940 |
| Average total loans | $231,067,000 | 1,944 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,798 |
| Cost of funding earning assets | 0.3007% | 4,411 |
| Net interest margin | 3.2782% | 4,314 |
| Noninterest income to average assets | 0.8364% | 1,364 |
| Noninterest expense to average assets | 3.2163% | 1,499 |
| Loan and lease loss provision to assets | 0.0259% | 3,399 |
| Net operating income to assets | 0.5119% | 4,723 |
| Return on assets (ROA) | 0.5119% | 4,729 |
| Pretax return on assets | 0.5981% | 4,741 |
| Return on Equity (ROE) | 5.7095% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.0845% | 3,027 |
| Net charge-offs to loans | -0.0070% | 4,200 |
| Credit loss provision to net charge-offs | -687.5000% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7503% | 699 |
| Assets per employee ($millions) | 3.4288% | 4,689 |
| Cash dividends to net income (ytd only)* | 10.9476% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,276 |
| Loan loss allowance to noncurrent loans | 193.9505% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 3,019 |
| Noncurrent loans to loans | 0.4711% | 3,023 |
| Net loans and leases to total assets | 53.1142% | 4,404 |
| Net loans and leases to deposits | 60.2315% | 4,519 |
| Net loans and leases to core deposits | 62.3970% | 4,585 |
| Total domestic deposits to total assets | 88.1834% | 1,282 |
| Equity capital to assets | 8.7275% | 4,774 |
| Core capital (leverage) ratio | 8.8509% | 4,841 |
| Tier 1 risk-based capital ratio | 16.9253% | 2,126 |
| Total risk-based capital ratio | 17.8737% | 2,166 |
| Memoranda: | ||
| Average total assets | $424,653,000 | 1,625 |
| Average earning assets | $389,116,330 | 1,641 |
| Average equity | $38,076,670 | 1,946 |
| Average total loans | $227,095,670 | 1,972 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,715 |
| Cost of funding earning assets | 0.2802% | 4,505 |
| Net interest margin | 3.3155% | 4,146 |
| Noninterest income to average assets | 0.7621% | 1,583 |
| Noninterest expense to average assets | 3.0074% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6642% | 4,229 |
| Return on assets (ROA) | 0.6642% | 4,235 |
| Pretax return on assets | 0.7906% | 4,173 |
| Return on Equity (ROE) | 7.3074% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.8683% | 2,340 |
| Net charge-offs to loans | 0.0516% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.6897% | 1,268 |
| Efficiency ratio | 79.1844% | 1,236 |
| Assets per employee ($millions) | 3.3812% | 4,813 |
| Cash dividends to net income (ytd only)* | 6.0086% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,480 |
| Loan loss allowance to noncurrent loans | 295.9064% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,322 |
| Noncurrent loans to loans | 0.3017% | 3,687 |
| Net loans and leases to total assets | 52.7323% | 4,387 |
| Net loans and leases to deposits | 59.8014% | 4,484 |
| Net loans and leases to core deposits | 61.8822% | 4,558 |
| Total domestic deposits to total assets | 88.1790% | 1,519 |
| Equity capital to assets | 8.9013% | 4,658 |
| Core capital (leverage) ratio | 8.9560% | 4,728 |
| Tier 1 risk-based capital ratio | 17.1501% | 2,075 |
| Total risk-based capital ratio | 18.0770% | 2,117 |
| Memoranda: | ||
| Average total assets | $420,966,500 | 1,652 |
| Average earning assets | $385,460,000 | 1,673 |
| Average equity | $38,262,500 | 1,945 |
| Average total loans | $224,852,000 | 2,002 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6047% | 4,565 |
| Cost of funding earning assets | 0.2513% | 4,547 |
| Net interest margin | 3.3535% | 3,999 |
| Noninterest income to average assets | 0.6501% | 2,193 |
| Noninterest expense to average assets | 3.1456% | 1,731 |
| Loan and lease loss provision to assets | 0.1013% | 2,201 |
| Net operating income to assets | -0.0888% | 5,414 |
| Return on assets (ROA) | -0.0700% | 5,401 |
| Pretax return on assets | 0.4765% | 4,962 |
| Return on Equity (ROE) | -0.7409% | 5,413 |
| Retained earnings to average equity (ytd only) | -1.1277% | 5,198 |
| Net charge-offs to loans | 0.1851% | 1,363 |
| Credit loss provision to net charge-offs | 104.4335% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.6552% | 3,292 |
| Efficiency ratio | 85.1555% | 694 |
| Assets per employee ($millions) | 3.2748% | 4,963 |
| Cash dividends to net income (ytd only)* | -52.2184% | 5,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,374 |
| Loan loss allowance to noncurrent loans | 245.9233% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 3,051 |
| Noncurrent loans to loans | 0.3740% | 3,419 |
| Net loans and leases to total assets | 53.1311% | 4,431 |
| Net loans and leases to deposits | 60.5653% | 4,531 |
| Net loans and leases to core deposits | 62.7353% | 4,616 |
| Total domestic deposits to total assets | 87.7253% | 1,646 |
| Equity capital to assets | 9.2816% | 4,450 |
| Core capital (leverage) ratio | 9.0794% | 4,548 |
| Tier 1 risk-based capital ratio | 16.9875% | 2,104 |
| Total risk-based capital ratio | 17.9345% | 2,152 |
| Memoranda: | ||
| Average total assets | $418,713,000 | 1,641 |
| Average earning assets | $380,056,000 | 1,672 |
| Average equity | $39,547,800 | 1,874 |
| Average total loans | $219,390,600 | 2,003 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6064% | 4,539 |
| Cost of funding earning assets | 0.2480% | 4,584 |
| Net interest margin | 3.3583% | 3,986 |
| Noninterest income to average assets | 0.6040% | 2,460 |
| Noninterest expense to average assets | 3.1729% | 1,628 |
| Loan and lease loss provision to assets | 0.1001% | 2,108 |
| Net operating income to assets | 0.2896% | 5,232 |
| Return on assets (ROA) | 0.3201% | 5,208 |
| Pretax return on assets | 0.4129% | 5,166 |
| Return on Equity (ROE) | 3.3748% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.9894% | 4,137 |
| Net charge-offs to loans | 0.2356% | 910 |
| Credit loss provision to net charge-offs | 81.6062% | 2,561 |
| Earnings coverage of net charge-offs (x) | 3.8627% | 3,291 |
| Efficiency ratio | 87.0031% | 570 |
| Assets per employee ($millions) | 3.0441% | 5,228 |
| Cash dividends to net income (ytd only)* | 11.4201% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 4,655 |
| Loan loss allowance to noncurrent loans | 290.3846% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,495 |
| Noncurrent loans to loans | 0.3027% | 3,854 |
| Net loans and leases to total assets | 54.6734% | 4,355 |
| Net loans and leases to deposits | 63.4511% | 4,418 |
| Net loans and leases to core deposits | 65.6438% | 4,507 |
| Total domestic deposits to total assets | 86.1662% | 2,245 |
| Equity capital to assets | 10.0430% | 3,866 |
| Core capital (leverage) ratio | 8.8890% | 4,877 |
| Tier 1 risk-based capital ratio | 16.1513% | 2,438 |
| Total risk-based capital ratio | 17.0348% | 2,535 |
| Memoranda: | ||
| Average total assets | $419,417,250 | 1,646 |
| Average earning assets | $380,021,250 | 1,678 |
| Average equity | $39,784,250 | 1,886 |
| Average total loans | $218,483,000 | 2,021 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 4,503 |
| Cost of funding earning assets | 0.2435% | 4,605 |
| Net interest margin | 3.3595% | 3,912 |
| Noninterest income to average assets | 0.6331% | 2,304 |
| Noninterest expense to average assets | 3.3592% | 1,258 |
| Loan and lease loss provision to assets | 0.1070% | 1,895 |
| Net operating income to assets | 0.1763% | 5,430 |
| Return on assets (ROA) | 0.2244% | 5,376 |
| Pretax return on assets | 0.2692% | 5,369 |
| Return on Equity (ROE) | 2.4106% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.0207% | 4,447 |
| Net charge-offs to loans | 0.1070% | 1,561 |
| Credit loss provision to net charge-offs | 195.6897% | 1,294 |
| Earnings coverage of net charge-offs (x) | 5.8190% | 2,776 |
| Efficiency ratio | 91.3473% | 385 |
| Assets per employee ($millions) | 3.0455% | 5,223 |
| Cash dividends to net income (ytd only)* | 16.1765% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,267 |
| Loan loss allowance to noncurrent loans | 209.1618% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 2,127 |
| Noncurrent loans to loans | 0.4682% | 3,338 |
| Net loans and leases to total assets | 52.3949% | 4,534 |
| Net loans and leases to deposits | 60.6585% | 4,581 |
| Net loans and leases to core deposits | 62.8438% | 4,676 |
| Total domestic deposits to total assets | 86.3769% | 2,204 |
| Equity capital to assets | 9.7181% | 4,210 |
| Core capital (leverage) ratio | 8.5843% | 5,157 |
| Tier 1 risk-based capital ratio | 16.1398% | 2,445 |
| Total risk-based capital ratio | 17.1184% | 2,499 |
| Memoranda: | ||
| Average total assets | $424,266,330 | 1,636 |
| Average earning assets | $384,467,670 | 1,663 |
| Average equity | $39,492,000 | 1,893 |
| Average total loans | $216,871,000 | 2,032 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,412 |
| Cost of funding earning assets | 0.2405% | 4,632 |
| Net interest margin | 3.3630% | 3,792 |
| Noninterest income to average assets | 0.7463% | 1,757 |
| Noninterest expense to average assets | 3.5369% | 991 |
| Loan and lease loss provision to assets | 0.0596% | 2,609 |
| Net operating income to assets | 0.1597% | 5,449 |
| Return on assets (ROA) | 0.2525% | 5,317 |
| Pretax return on assets | 0.3131% | 5,297 |
| Return on Equity (ROE) | 2.7715% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.3829% | 4,191 |
| Net charge-offs to loans | -0.0890% | 5,415 |
| Credit loss provision to net charge-offs | -133.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1991% | 411 |
| Assets per employee ($millions) | 3.0849% | 5,285 |
| Cash dividends to net income (ytd only)* | 14.0221% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,343 |
| Loan loss allowance to noncurrent loans | 221.4654% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 2,082 |
| Noncurrent loans to loans | 0.4474% | 3,491 |
| Net loans and leases to total assets | 50.7340% | 4,610 |
| Net loans and leases to deposits | 58.4826% | 4,668 |
| Net loans and leases to core deposits | 60.5975% | 4,743 |
| Total domestic deposits to total assets | 86.7506% | 2,332 |
| Equity capital to assets | 9.2866% | 4,531 |
| Core capital (leverage) ratio | 8.4171% | 5,281 |
| Tier 1 risk-based capital ratio | 16.0795% | 2,513 |
| Total risk-based capital ratio | 17.0591% | 2,564 |
| Memoranda: | ||
| Average total assets | $429,306,000 | 1,639 |
| Average earning assets | $389,178,000 | 1,661 |
| Average equity | $39,112,500 | 1,911 |
| Average total loans | $215,727,000 | 2,054 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4775% | 4,830 |
| Cost of funding earning assets | 0.2548% | 4,523 |
| Net interest margin | 3.2227% | 4,372 |
| Noninterest income to average assets | 0.5086% | 3,179 |
| Noninterest expense to average assets | 3.1841% | 1,833 |
| Loan and lease loss provision to assets | 0.2030% | 1,126 |
| Net operating income to assets | 0.0765% | 5,586 |
| Return on assets (ROA) | 0.0781% | 5,611 |
| Pretax return on assets | 0.0605% | 5,625 |
| Return on Equity (ROE) | 0.8426% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.4361% | 5,150 |
| Net charge-offs to loans | 0.5074% | 485 |
| Credit loss provision to net charge-offs | 82.1627% | 2,942 |
| Earnings coverage of net charge-offs (x) | 1.0601% | 4,047 |
| Efficiency ratio | 91.8351% | 467 |
| Assets per employee ($millions) | 3.1824% | 5,169 |
| Cash dividends to net income (ytd only)* | 48.2456% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,597 |
| Loan loss allowance to noncurrent loans | 205.0403% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 2,146 |
| Noncurrent loans to loans | 0.4616% | 3,506 |
| Net loans and leases to total assets | 48.8224% | 4,844 |
| Net loans and leases to deposits | 55.8519% | 4,918 |
| Net loans and leases to core deposits | 57.7893% | 4,977 |
| Total domestic deposits to total assets | 87.4142% | 1,923 |
| Equity capital to assets | 8.9400% | 4,871 |
| Core capital (leverage) ratio | 8.1689% | 5,520 |
| Tier 1 risk-based capital ratio | 15.9984% | 2,547 |
| Total risk-based capital ratio | 16.9530% | 2,595 |
| Memoranda: | ||
| Average total assets | $437,861,200 | 1,553 |
| Average earning assets | $399,104,000 | 1,572 |
| Average equity | $40,588,400 | 1,825 |
| Average total loans | $213,228,600 | 2,021 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 4,855 |
| Cost of funding earning assets | 0.2580% | 4,534 |
| Net interest margin | 3.2255% | 4,411 |
| Noninterest income to average assets | 0.5828% | 2,747 |
| Noninterest expense to average assets | 3.1047% | 2,013 |
| Loan and lease loss provision to assets | 0.2762% | 631 |
| Net operating income to assets | 0.1424% | 5,565 |
| Return on assets (ROA) | 0.1445% | 5,621 |
| Pretax return on assets | 0.1469% | 5,629 |
| Return on Equity (ROE) | 1.5450% | 5,551 |
| Retained earnings to average equity (ytd only) | 1.1644% | 5,041 |
| Net charge-offs to loans | 0.6754% | 286 |
| Credit loss provision to net charge-offs | 84.2301% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.2839% | 3,713 |
| Efficiency ratio | 87.3264% | 717 |
| Assets per employee ($millions) | 3.1455% | 5,247 |
| Cash dividends to net income (ytd only)* | 24.6321% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,603 |
| Loan loss allowance to noncurrent loans | 84.5175% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 1,642 |
| Noncurrent loans to loans | 1.1402% | 1,972 |
| Net loans and leases to total assets | 48.7236% | 4,908 |
| Net loans and leases to deposits | 56.5819% | 4,958 |
| Net loans and leases to core deposits | 58.6854% | 5,013 |
| Total domestic deposits to total assets | 86.1116% | 2,300 |
| Equity capital to assets | 9.5546% | 4,606 |
| Core capital (leverage) ratio | 8.1835% | 5,586 |
| Tier 1 risk-based capital ratio | 16.5513% | 2,392 |
| Total risk-based capital ratio | 17.5289% | 2,456 |
| Memoranda: | ||
| Average total assets | $438,331,000 | 1,545 |
| Average earning assets | $399,928,750 | 1,569 |
| Average equity | $40,991,250 | 1,818 |
| Average total loans | $212,813,000 | 2,030 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4864% | 4,905 |
| Cost of funding earning assets | 0.2599% | 4,549 |
| Net interest margin | 3.2265% | 4,460 |
| Noninterest income to average assets | 0.5612% | 2,845 |
| Noninterest expense to average assets | 3.2646% | 1,657 |
| Loan and lease loss provision to assets | 0.0296% | 3,541 |
| Net operating income to assets | 0.1886% | 5,547 |
| Return on assets (ROA) | 0.1910% | 5,597 |
| Pretax return on assets | 0.2169% | 5,601 |
| Return on Equity (ROE) | 2.0573% | 5,496 |
| Retained earnings to average equity (ytd only) | 1.6752% | 4,714 |
| Net charge-offs to loans | -0.0470% | 5,339 |
| Credit loss provision to net charge-offs | -130.0000% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9497% | 498 |
| Assets per employee ($millions) | 3.1929% | 5,214 |
| Cash dividends to net income (ytd only)* | 18.5714% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,009 |
| Loan loss allowance to noncurrent loans | 48.7815% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7428% | 1,013 |
| Noncurrent loans to loans | 2.2307% | 835 |
| Net loans and leases to total assets | 48.3149% | 4,968 |
| Net loans and leases to deposits | 56.2103% | 4,998 |
| Net loans and leases to core deposits | 58.2220% | 5,060 |
| Total domestic deposits to total assets | 85.9538% | 2,442 |
| Equity capital to assets | 9.4903% | 4,776 |
| Core capital (leverage) ratio | 8.0569% | 5,696 |
| Tier 1 risk-based capital ratio | 16.2481% | 2,527 |
| Total risk-based capital ratio | 17.3397% | 2,546 |
| Memoranda: | ||
| Average total assets | $439,747,000 | 1,544 |
| Average earning assets | $401,674,000 | 1,566 |
| Average equity | $40,830,000 | 1,820 |
| Average total loans | $212,564,330 | 2,031 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,898 |
| Cost of funding earning assets | 0.2623% | 4,584 |
| Net interest margin | 3.2358% | 4,455 |
| Noninterest income to average assets | 0.5946% | 2,566 |
| Noninterest expense to average assets | 3.3370% | 1,512 |
| Loan and lease loss provision to assets | -0.0300% | 5,924 |
| Net operating income to assets | 0.2057% | 5,515 |
| Return on assets (ROA) | 0.2103% | 5,575 |
| Pretax return on assets | 0.2467% | 5,585 |
| Return on Equity (ROE) | 2.2907% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.9139% | 4,488 |
| Net charge-offs to loans | -0.1591% | 5,787 |
| Credit loss provision to net charge-offs | 39.2857% | 2,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8655% | 560 |
| Assets per employee ($millions) | 3.2562% | 5,190 |
| Cash dividends to net income (ytd only)* | 16.4502% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 4,080 |
| Loan loss allowance to noncurrent loans | 51.8915% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 1,169 |
| Noncurrent loans to loans | 2.1109% | 995 |
| Net loans and leases to total assets | 46.7709% | 5,066 |
| Net loans and leases to deposits | 53.8777% | 5,109 |
| Net loans and leases to core deposits | 55.7469% | 5,143 |
| Total domestic deposits to total assets | 86.8094% | 2,293 |
| Equity capital to assets | 9.2830% | 4,904 |
| Core capital (leverage) ratio | 8.1284% | 5,704 |
| Tier 1 risk-based capital ratio | 17.3869% | 2,155 |
| Total risk-based capital ratio | 18.5210% | 2,155 |
| Memoranda: | ||
| Average total assets | $439,312,500 | 1,549 |
| Average earning assets | $401,018,500 | 1,566 |
| Average equity | $40,337,000 | 1,835 |
| Average total loans | $211,234,000 | 2,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 4,734 |
| Cost of funding earning assets | 0.2907% | 4,360 |
| Net interest margin | 3.2864% | 4,345 |
| Noninterest income to average assets | 0.6838% | 2,275 |
| Noninterest expense to average assets | 3.5080% | 1,278 |
| Loan and lease loss provision to assets | 0.1981% | 1,088 |
| Net operating income to assets | 0.0864% | 5,771 |
| Return on assets (ROA) | 0.0878% | 5,814 |
| Pretax return on assets | -0.0363% | 5,903 |
| Return on Equity (ROE) | 0.9598% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.5779% | 5,284 |
| Net charge-offs to loans | 0.7910% | 283 |
| Credit loss provision to net charge-offs | 51.8409% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.4175% | 4,231 |
| Efficiency ratio | 92.4938% | 547 |
| Assets per employee ($millions) | 3.2282% | 5,265 |
| Cash dividends to net income (ytd only)* | 39.7933% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,394 |
| Loan loss allowance to noncurrent loans | 50.1803% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6630% | 1,175 |
| Noncurrent loans to loans | 2.0681% | 997 |
| Net loans and leases to total assets | 48.3705% | 4,984 |
| Net loans and leases to deposits | 55.4074% | 5,080 |
| Net loans and leases to core deposits | 57.2868% | 5,141 |
| Total domestic deposits to total assets | 87.2997% | 1,984 |
| Equity capital to assets | 9.0805% | 5,036 |
| Core capital (leverage) ratio | 8.1560% | 5,727 |
| Tier 1 risk-based capital ratio | 16.4471% | 2,511 |
| Total risk-based capital ratio | 17.5052% | 2,540 |
| Memoranda: | ||
| Average total assets | $440,617,800 | 1,513 |
| Average earning assets | $400,038,200 | 1,531 |
| Average equity | $40,319,400 | 1,785 |
| Average total loans | $212,886,000 | 1,972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,757 |
| Cost of funding earning assets | 0.2968% | 4,376 |
| Net interest margin | 3.2978% | 4,353 |
| Noninterest income to average assets | 0.8257% | 1,703 |
| Noninterest expense to average assets | 3.4813% | 1,320 |
| Loan and lease loss provision to assets | 0.1965% | 1,025 |
| Net operating income to assets | 0.2273% | 5,622 |
| Return on assets (ROA) | 0.2304% | 5,685 |
| Pretax return on assets | 0.1409% | 5,855 |
| Return on Equity (ROE) | 2.5128% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.1336% | 4,816 |
| Net charge-offs to loans | 0.5083% | 473 |
| Credit loss provision to net charge-offs | 80.2469% | 2,608 |
| Earnings coverage of net charge-offs (x) | 1.3654% | 3,847 |
| Efficiency ratio | 88.2022% | 827 |
| Assets per employee ($millions) | 3.1569% | 5,355 |
| Cash dividends to net income (ytd only)* | 15.0920% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 2,697 |
| Loan loss allowance to noncurrent loans | 59.5573% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.3890% | 750 |
| Noncurrent loans to loans | 2.3169% | 918 |
| Net loans and leases to total assets | 47.9246% | 5,083 |
| Net loans and leases to deposits | 55.2667% | 5,171 |
| Net loans and leases to core deposits | 57.2305% | 5,240 |
| Total domestic deposits to total assets | 86.7151% | 2,181 |
| Equity capital to assets | 9.4583% | 4,801 |
| Core capital (leverage) ratio | 8.2958% | 5,722 |
| Tier 1 risk-based capital ratio | 17.3964% | 2,216 |
| Total risk-based capital ratio | 18.6636% | 2,165 |
| Memoranda: | ||
| Average total assets | $441,012,750 | 1,529 |
| Average earning assets | $399,854,500 | 1,544 |
| Average equity | $40,432,500 | 1,797 |
| Average total loans | $212,459,500 | 1,986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,818 |
| Cost of funding earning assets | 0.3002% | 4,394 |
| Net interest margin | 3.2663% | 4,435 |
| Noninterest income to average assets | 1.0398% | 1,096 |
| Noninterest expense to average assets | 3.5500% | 1,216 |
| Loan and lease loss provision to assets | 0.3052% | 501 |
| Net operating income to assets | 0.2792% | 5,503 |
| Return on assets (ROA) | 0.2837% | 5,574 |
| Pretax return on assets | 0.1528% | 5,875 |
| Return on Equity (ROE) | 3.1258% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.7443% | 4,311 |
| Net charge-offs to loans | 0.7093% | 320 |
| Credit loss provision to net charge-offs | 89.5778% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.3311% | 3,536 |
| Efficiency ratio | 85.8073% | 1,074 |
| Assets per employee ($millions) | 3.2250% | 5,305 |
| Cash dividends to net income (ytd only)* | 12.2029% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,833 |
| Loan loss allowance to noncurrent loans | 45.0434% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.3013% | 873 |
| Noncurrent loans to loans | 3.0743% | 637 |
| Net loans and leases to total assets | 47.6769% | 5,136 |
| Net loans and leases to deposits | 54.7645% | 5,207 |
| Net loans and leases to core deposits | 56.7247% | 5,267 |
| Total domestic deposits to total assets | 87.0581% | 2,139 |
| Equity capital to assets | 9.1221% | 5,118 |
| Core capital (leverage) ratio | 8.1711% | 5,811 |
| Tier 1 risk-based capital ratio | 16.7116% | 2,518 |
| Total risk-based capital ratio | 17.9773% | 2,466 |
| Memoranda: | ||
| Average total assets | $444,904,670 | 1,526 |
| Average earning assets | $403,699,330 | 1,540 |
| Average equity | $40,374,000 | 1,810 |
| Average total loans | $213,733,670 | 1,981 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,472 |
| Cost of funding earning assets | 0.3052% | 4,383 |
| Net interest margin | 3.3640% | 3,972 |
| Noninterest income to average assets | 1.2176% | 761 |
| Noninterest expense to average assets | 3.6108% | 1,123 |
| Loan and lease loss provision to assets | 0.0448% | 3,026 |
| Net operating income to assets | 0.4557% | 4,845 |
| Return on assets (ROA) | 0.4623% | 4,941 |
| Pretax return on assets | 0.6227% | 4,849 |
| Return on Equity (ROE) | 5.1078% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.7316% | 3,200 |
| Net charge-offs to loans | 0.2825% | 852 |
| Credit loss provision to net charge-offs | 33.1126% | 2,250 |
| Earnings coverage of net charge-offs (x) | 4.8675% | 2,444 |
| Efficiency ratio | 81.8888% | 1,636 |
| Assets per employee ($millions) | 3.3049% | 5,234 |
| Cash dividends to net income (ytd only)* | 7.3643% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 2,897 |
| Loan loss allowance to noncurrent loans | 95.7657% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 1,332 |
| Noncurrent loans to loans | 1.4660% | 1,936 |
| Net loans and leases to total assets | 46.9987% | 5,119 |
| Net loans and leases to deposits | 53.8948% | 5,198 |
| Net loans and leases to core deposits | 55.6725% | 5,275 |
| Total domestic deposits to total assets | 87.2045% | 2,268 |
| Equity capital to assets | 9.0502% | 5,231 |
| Core capital (leverage) ratio | 8.0259% | 5,930 |
| Tier 1 risk-based capital ratio | 16.7145% | 2,591 |
| Total risk-based capital ratio | 17.9741% | 2,536 |
| Memoranda: | ||
| Average total assets | $446,442,500 | 1,536 |
| Average earning assets | $405,000,000 | 1,539 |
| Average equity | $40,409,000 | 1,814 |
| Average total loans | $213,796,500 | 1,988 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 4,227 |
| Cost of funding earning assets | 0.3237% | 4,548 |
| Net interest margin | 3.5507% | 3,599 |
| Noninterest income to average assets | 0.8743% | 1,592 |
| Noninterest expense to average assets | 3.5150% | 1,454 |
| Loan and lease loss provision to assets | 0.1080% | 2,357 |
| Net operating income to assets | 0.3918% | 5,248 |
| Return on assets (ROA) | 0.3958% | 5,302 |
| Pretax return on assets | 0.4718% | 5,316 |
| Return on Equity (ROE) | 4.4493% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.4493% | 3,010 |
| Net charge-offs to loans | 0.8163% | 427 |
| Credit loss provision to net charge-offs | 26.5271% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.4123% | 4,424 |
| Efficiency ratio | 83.0706% | 1,512 |
| Assets per employee ($millions) | 3.2604% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 2,660 |
| Loan loss allowance to noncurrent loans | 112.1617% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8617% | 1,388 |
| Noncurrent loans to loans | 1.2989% | 2,278 |
| Net loans and leases to total assets | 47.4120% | 5,208 |
| Net loans and leases to deposits | 54.0939% | 5,325 |
| Net loans and leases to core deposits | 55.9545% | 5,388 |
| Total domestic deposits to total assets | 87.6476% | 1,957 |
| Equity capital to assets | 9.0525% | 5,232 |
| Core capital (leverage) ratio | 8.1176% | 5,915 |
| Tier 1 risk-based capital ratio | 16.5751% | 2,683 |
| Total risk-based capital ratio | 17.8278% | 2,629 |
| Memoranda: | ||
| Average total assets | $434,278,600 | 1,535 |
| Average earning assets | $393,299,000 | 1,555 |
| Average equity | $38,635,000 | 1,827 |
| Average total loans | $216,583,000 | 1,926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,130 |
| Cost of funding earning assets | 0.3261% | 4,601 |
| Net interest margin | 3.5844% | 3,493 |
| Noninterest income to average assets | 0.8688% | 1,630 |
| Noninterest expense to average assets | 3.4577% | 1,554 |
| Loan and lease loss provision to assets | 0.0694% | 2,960 |
| Net operating income to assets | 0.4821% | 4,936 |
| Return on assets (ROA) | 0.4876% | 4,982 |
| Pretax return on assets | 0.5947% | 5,049 |
| Return on Equity (ROE) | 5.5062% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,742 |
| Net charge-offs to loans | 1.0058% | 300 |
| Credit loss provision to net charge-offs | 13.7195% | 3,656 |
| Earnings coverage of net charge-offs (x) | 1.2988% | 4,187 |
| Efficiency ratio | 81.1520% | 1,733 |
| Assets per employee ($millions) | 3.1728% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,220 |
| Loan loss allowance to noncurrent loans | 83.4868% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 1,939 |
| Noncurrent loans to loans | 1.6669% | 1,959 |
| Net loans and leases to total assets | 50.2564% | 4,979 |
| Net loans and leases to deposits | 58.4748% | 5,066 |
| Net loans and leases to core deposits | 60.8465% | 5,132 |
| Total domestic deposits to total assets | 85.9454% | 2,870 |
| Equity capital to assets | 9.2838% | 5,051 |
| Core capital (leverage) ratio | 8.2662% | 5,873 |
| Tier 1 risk-based capital ratio | 16.4686% | 2,824 |
| Total risk-based capital ratio | 17.7209% | 2,777 |
| Memoranda: | ||
| Average total assets | $431,995,000 | 1,551 |
| Average earning assets | $391,240,500 | 1,568 |
| Average equity | $38,258,750 | 1,853 |
| Average total loans | $217,394,000 | 1,936 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,977 |
| Cost of funding earning assets | 0.3298% | 4,648 |
| Net interest margin | 3.6097% | 3,324 |
| Noninterest income to average assets | 0.8991% | 1,496 |
| Noninterest expense to average assets | 3.6161% | 1,267 |
| Loan and lease loss provision to assets | 0.0142% | 3,972 |
| Net operating income to assets | 0.4090% | 5,186 |
| Return on assets (ROA) | 0.4107% | 5,258 |
| Pretax return on assets | 0.5394% | 5,160 |
| Return on Equity (ROE) | 4.7111% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.7111% | 3,149 |
| Net charge-offs to loans | 0.2090% | 1,769 |
| Credit loss provision to net charge-offs | 13.5965% | 3,271 |
| Earnings coverage of net charge-offs (x) | 5.2632% | 2,958 |
| Efficiency ratio | 83.9599% | 1,522 |
| Assets per employee ($millions) | 3.1441% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 1,504 |
| Loan loss allowance to noncurrent loans | 86.8910% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.9401% | 1,661 |
| Noncurrent loans to loans | 2.2239% | 1,473 |
| Net loans and leases to total assets | 50.3252% | 4,923 |
| Net loans and leases to deposits | 58.2440% | 5,020 |
| Net loans and leases to core deposits | 60.4795% | 5,106 |
| Total domestic deposits to total assets | 86.4042% | 2,818 |
| Equity capital to assets | 9.1967% | 5,109 |
| Core capital (leverage) ratio | 7.9599% | 6,125 |
| Tier 1 risk-based capital ratio | 16.0033% | 3,081 |
| Total risk-based capital ratio | 17.2625% | 3,018 |
| Memoranda: | ||
| Average total assets | $435,332,670 | 1,538 |
| Average earning assets | $394,160,000 | 1,556 |
| Average equity | $37,953,000 | 1,856 |
| Average total loans | $218,170,000 | 1,918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 3,904 |
| Cost of funding earning assets | 0.3338% | 4,705 |
| Net interest margin | 3.6135% | 3,197 |
| Noninterest income to average assets | 0.9601% | 1,229 |
| Noninterest expense to average assets | 3.3414% | 1,853 |
| Loan and lease loss provision to assets | 0.1225% | 1,966 |
| Net operating income to assets | 0.5602% | 4,411 |
| Return on assets (ROA) | 0.5636% | 4,468 |
| Pretax return on assets | 0.7723% | 4,213 |
| Return on Equity (ROE) | 6.6397% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.6397% | 2,214 |
| Net charge-offs to loans | 0.1557% | 1,782 |
| Credit loss provision to net charge-offs | 158.8235% | 1,207 |
| Earnings coverage of net charge-offs (x) | 11.5412% | 1,775 |
| Efficiency ratio | 76.2170% | 2,764 |
| Assets per employee ($millions) | 3.4169% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,394 |
| Loan loss allowance to noncurrent loans | 150.7099% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 2,263 |
| Noncurrent loans to loans | 1.3671% | 2,738 |
| Net loans and leases to total assets | 48.0759% | 5,117 |
| Net loans and leases to deposits | 55.7035% | 5,136 |
| Net loans and leases to core deposits | 57.9579% | 5,203 |
| Total domestic deposits to total assets | 86.3067% | 3,207 |
| Equity capital to assets | 8.6114% | 5,538 |
| Core capital (leverage) ratio | 7.6270% | 6,296 |
| Tier 1 risk-based capital ratio | 15.5984% | 3,380 |
| Total risk-based capital ratio | 16.8593% | 3,339 |
| Memoranda: | ||
| Average total assets | $440,771,500 | 1,524 |
| Average earning assets | $399,063,500 | 1,542 |
| Average equity | $37,411,500 | 1,875 |
| Average total loans | $218,346,500 | 1,908 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 4,537 |
| Cost of funding earning assets | 0.3978% | 4,680 |
| Net interest margin | 3.4822% | 3,979 |
| Noninterest income to average assets | 0.7346% | 2,361 |
| Noninterest expense to average assets | 3.2835% | 2,188 |
| Loan and lease loss provision to assets | 0.1782% | 2,074 |
| Net operating income to assets | 0.5989% | 4,263 |
| Return on assets (ROA) | 0.6086% | 4,342 |
| Pretax return on assets | 0.4196% | 5,443 |
| Return on Equity (ROE) | 7.3170% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.3170% | 1,306 |
| Net charge-offs to loans | 0.9314% | 649 |
| Credit loss provision to net charge-offs | 38.1044% | 4,081 |
| Earnings coverage of net charge-offs (x) | 1.2577% | 4,648 |
| Efficiency ratio | 81.8325% | 1,897 |
| Assets per employee ($millions) | 3.3391% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 1,552 |
| Loan loss allowance to noncurrent loans | 121.8690% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 2,086 |
| Noncurrent loans to loans | 1.6417% | 2,444 |
| Net loans and leases to total assets | 48.9873% | 5,195 |
| Net loans and leases to deposits | 56.5325% | 5,253 |
| Net loans and leases to core deposits | 58.8141% | 5,321 |
| Total domestic deposits to total assets | 86.6534% | 2,904 |
| Equity capital to assets | 8.3641% | 5,722 |
| Core capital (leverage) ratio | 7.5248% | 6,357 |
| Tier 1 risk-based capital ratio | 14.7086% | 3,835 |
| Total risk-based capital ratio | 15.9685% | 3,773 |
| Memoranda: | ||
| Average total assets | $442,296,600 | 1,498 |
| Average earning assets | $398,453,400 | 1,517 |
| Average equity | $36,791,200 | 1,880 |
| Average total loans | $222,024,000 | 1,844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,647 |
| Cost of funding earning assets | 0.4108% | 4,716 |
| Net interest margin | 3.4467% | 4,096 |
| Noninterest income to average assets | 0.7388% | 2,419 |
| Noninterest expense to average assets | 3.3769% | 1,877 |
| Loan and lease loss provision to assets | 0.1997% | 1,816 |
| Net operating income to assets | 0.5623% | 4,514 |
| Return on assets (ROA) | 0.5692% | 4,626 |
| Pretax return on assets | 0.2723% | 5,932 |
| Return on Equity (ROE) | 6.8528% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.8528% | 1,947 |
| Net charge-offs to loans | 0.9182% | 633 |
| Credit loss provision to net charge-offs | 43.2768% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.0078% | 4,509 |
| Efficiency ratio | 84.8934% | 1,490 |
| Assets per employee ($millions) | 3.3402% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 1,442 |
| Loan loss allowance to noncurrent loans | 108.9019% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1156% | 1,889 |
| Noncurrent loans to loans | 1.9581% | 2,299 |
| Net loans and leases to total assets | 51.3396% | 4,956 |
| Net loans and leases to deposits | 59.1142% | 5,083 |
| Net loans and leases to core deposits | 61.6474% | 5,154 |
| Total domestic deposits to total assets | 86.8481% | 2,777 |
| Equity capital to assets | 8.4746% | 5,759 |
| Core capital (leverage) ratio | 7.2972% | 6,513 |
| Tier 1 risk-based capital ratio | 13.8918% | 4,504 |
| Total risk-based capital ratio | 15.1530% | 4,450 |
| Memoranda: | ||
| Average total assets | $442,679,500 | 1,508 |
| Average earning assets | $398,552,250 | 1,525 |
| Average equity | $36,772,500 | 1,891 |
| Average total loans | $222,448,250 | 1,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 4,647 |
| Cost of funding earning assets | 0.4202% | 4,752 |
| Net interest margin | 3.4318% | 4,067 |
| Noninterest income to average assets | 0.5790% | 3,322 |
| Noninterest expense to average assets | 3.3788% | 1,872 |
| Loan and lease loss provision to assets | 0.2714% | 1,358 |
| Net operating income to assets | 0.3081% | 5,584 |
| Return on assets (ROA) | 0.3081% | 5,729 |
| Pretax return on assets | 0.0193% | 6,333 |
| Return on Equity (ROE) | 3.7332% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.7332% | 3,931 |
| Net charge-offs to loans | 1.2004% | 481 |
| Credit loss provision to net charge-offs | 45.6325% | 3,300 |
| Earnings coverage of net charge-offs (x) | 0.4887% | 4,370 |
| Efficiency ratio | 88.9675% | 1,135 |
| Assets per employee ($millions) | 3.2005% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2608% | 1,319 |
| Loan loss allowance to noncurrent loans | 108.5721% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 1,793 |
| Noncurrent loans to loans | 2.0823% | 2,300 |
| Net loans and leases to total assets | 48.9536% | 5,228 |
| Net loans and leases to deposits | 56.1606% | 5,324 |
| Net loans and leases to core deposits | 58.5912% | 5,371 |
| Total domestic deposits to total assets | 87.1672% | 2,724 |
| Equity capital to assets | 8.3273% | 5,942 |
| Core capital (leverage) ratio | 6.9751% | 6,620 |
| Tier 1 risk-based capital ratio | 13.9600% | 4,449 |
| Total risk-based capital ratio | 15.2231% | 4,405 |
| Memoranda: | ||
| Average total assets | $446,610,000 | 1,486 |
| Average earning assets | $402,185,330 | 1,511 |
| Average equity | $36,858,000 | 1,894 |
| Average total loans | $221,252,330 | 1,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,751 |
| Cost of funding earning assets | 0.4326% | 4,777 |
| Net interest margin | 3.3890% | 4,160 |
| Noninterest income to average assets | 0.5512% | 3,436 |
| Noninterest expense to average assets | 3.3549% | 1,944 |
| Loan and lease loss provision to assets | 0.2503% | 1,436 |
| Net operating income to assets | 0.0559% | 6,236 |
| Return on assets (ROA) | 0.0559% | 6,322 |
| Pretax return on assets | -0.0018% | 6,414 |
| Return on Equity (ROE) | 0.6805% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.6805% | 5,552 |
| Net charge-offs to loans | 0.2882% | 1,813 |
| Credit loss provision to net charge-offs | 176.2500% | 1,207 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,251 |
| Efficiency ratio | 89.9507% | 1,150 |
| Assets per employee ($millions) | 3.2203% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5928% | 1,019 |
| Loan loss allowance to noncurrent loans | 80.1517% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 3.3381% | 1,305 |
| Noncurrent loans to loans | 3.2349% | 1,511 |
| Net loans and leases to total assets | 48.7710% | 5,147 |
| Net loans and leases to deposits | 55.8673% | 5,259 |
| Net loans and leases to core deposits | 58.2247% | 5,329 |
| Total domestic deposits to total assets | 87.2980% | 2,760 |
| Equity capital to assets | 8.2354% | 6,229 |
| Core capital (leverage) ratio | 6.8946% | 6,673 |
| Tier 1 risk-based capital ratio | 13.7567% | 4,691 |
| Total risk-based capital ratio | 15.0238% | 4,639 |
| Memoranda: | ||
| Average total assets | $450,684,000 | 1,488 |
| Average earning assets | $405,899,000 | 1,512 |
| Average equity | $37,031,000 | 1,913 |
| Average total loans | $222,074,500 | 1,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 4,439 |
| Cost of funding earning assets | 0.5764% | 4,573 |
| Net interest margin | 3.6635% | 3,810 |
| Noninterest income to average assets | 0.3820% | 4,736 |
| Noninterest expense to average assets | 3.3248% | 2,267 |
| Loan and lease loss provision to assets | 1.8331% | 133 |
| Net operating income to assets | -1.1851% | 6,794 |
| Return on assets (ROA) | -1.1199% | 6,790 |
| Pretax return on assets | -1.3546% | 6,818 |
| Return on Equity (ROE) | -12.0815% | 6,767 |
| Retained earnings to average equity (ytd only) | -12.0815% | 6,702 |
| Net charge-offs to loans | 3.9178% | 77 |
| Credit loss provision to net charge-offs | 86.3532% | 3,613 |
| Earnings coverage of net charge-offs (x) | 0.1884% | 5,386 |
| Efficiency ratio | 86.2256% | 1,408 |
| Assets per employee ($millions) | 3.2411% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5851% | 1,033 |
| Loan loss allowance to noncurrent loans | 87.0790% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 3.6240% | 1,237 |
| Noncurrent loans to loans | 2.9687% | 1,763 |
| Net loans and leases to total assets | 47.2379% | 5,481 |
| Net loans and leases to deposits | 53.7740% | 5,672 |
| Net loans and leases to core deposits | 56.0018% | 5,713 |
| Total domestic deposits to total assets | 87.8453% | 2,321 |
| Equity capital to assets | 8.1981% | 6,281 |
| Core capital (leverage) ratio | 6.9642% | 6,712 |
| Tier 1 risk-based capital ratio | 13.7538% | 4,558 |
| Total risk-based capital ratio | 15.0205% | 4,504 |
| Memoranda: | ||
| Average total assets | $450,827,200 | 1,465 |
| Average earning assets | $411,359,400 | 1,465 |
| Average equity | $41,791,000 | 1,671 |
| Average total loans | $244,268,600 | 1,689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 4,341 |
| Cost of funding earning assets | 0.6096% | 4,542 |
| Net interest margin | 3.7175% | 3,717 |
| Noninterest income to average assets | 0.9121% | 1,787 |
| Noninterest expense to average assets | 3.3870% | 2,035 |
| Loan and lease loss provision to assets | 0.8259% | 564 |
| Net operating income to assets | 0.1004% | 6,132 |
| Return on assets (ROA) | 0.2008% | 6,080 |
| Pretax return on assets | 0.2053% | 6,111 |
| Return on Equity (ROE) | 2.1053% | 5,997 |
| Retained earnings to average equity (ytd only) | 2.1053% | 5,273 |
| Net charge-offs to loans | 2.2695% | 295 |
| Credit loss provision to net charge-offs | 65.4307% | 4,015 |
| Earnings coverage of net charge-offs (x) | 0.7357% | 4,959 |
| Efficiency ratio | 75.8528% | 2,697 |
| Assets per employee ($millions) | 3.1450% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2975% | 1,522 |
| Loan loss allowance to noncurrent loans | 26.6931% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 6.1331% | 641 |
| Noncurrent loans to loans | 8.6071% | 347 |
| Net loans and leases to total assets | 53.7168% | 4,792 |
| Net loans and leases to deposits | 62.7562% | 4,882 |
| Net loans and leases to core deposits | 65.7619% | 4,979 |
| Total domestic deposits to total assets | 85.5960% | 3,463 |
| Equity capital to assets | 9.9257% | 4,611 |
| Core capital (leverage) ratio | 8.3147% | 5,985 |
| Tier 1 risk-based capital ratio | 15.4050% | 3,596 |
| Total risk-based capital ratio | 16.6683% | 3,542 |
| Memoranda: | ||
| Average total assets | $450,096,000 | 1,477 |
| Average earning assets | $412,091,250 | 1,480 |
| Average equity | $42,939,000 | 1,634 |
| Average total loans | $250,328,000 | 1,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 4,458 |
| Cost of funding earning assets | 0.6306% | 4,618 |
| Net interest margin | 3.6986% | 3,827 |
| Noninterest income to average assets | 0.9106% | 1,746 |
| Noninterest expense to average assets | 3.3463% | 2,166 |
| Loan and lease loss provision to assets | 0.9938% | 445 |
| Net operating income to assets | -0.0075% | 6,328 |
| Return on assets (ROA) | 0.1448% | 6,223 |
| Pretax return on assets | 0.1197% | 6,289 |
| Return on Equity (ROE) | 1.5378% | 6,186 |
| Retained earnings to average equity (ytd only) | 1.5378% | 5,440 |
| Net charge-offs to loans | 2.7163% | 239 |
| Credit loss provision to net charge-offs | 65.5443% | 3,674 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 4,747 |
| Efficiency ratio | 75.0792% | 2,884 |
| Assets per employee ($millions) | 3.1529% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,537 |
| Loan loss allowance to noncurrent loans | 22.2282% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 6.5965% | 617 |
| Noncurrent loans to loans | 10.4765% | 236 |
| Net loans and leases to total assets | 54.0298% | 4,797 |
| Net loans and leases to deposits | 62.4316% | 4,948 |
| Net loans and leases to core deposits | 65.3400% | 5,075 |
| Total domestic deposits to total assets | 86.5424% | 3,043 |
| Equity capital to assets | 9.4983% | 5,060 |
| Core capital (leverage) ratio | 8.0461% | 6,225 |
| Tier 1 risk-based capital ratio | 14.7661% | 3,921 |
| Total risk-based capital ratio | 16.0300% | 3,878 |
| Memoranda: | ||
| Average total assets | $454,409,330 | 1,467 |
| Average earning assets | $417,349,670 | 1,458 |
| Average equity | $42,788,330 | 1,630 |
| Average total loans | $253,654,670 | 1,642 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 3,967 |
| Cost of funding earning assets | 0.6523% | 4,709 |
| Net interest margin | 3.8366% | 3,209 |
| Noninterest income to average assets | 1.2793% | 864 |
| Noninterest expense to average assets | 3.4021% | 2,002 |
| Loan and lease loss provision to assets | 0.3464% | 1,802 |
| Net operating income to assets | 0.7535% | 3,605 |
| Return on assets (ROA) | 0.9689% | 2,800 |
| Pretax return on assets | 1.3670% | 2,302 |
| Return on Equity (ROE) | 10.3342% | 2,288 |
| Retained earnings to average equity (ytd only) | 10.3342% | 1,192 |
| Net charge-offs to loans | 0.0641% | 3,853 |
| Credit loss provision to net charge-offs | 963.4146% | 366 |
| Earnings coverage of net charge-offs (x) | 39.2195% | 760 |
| Efficiency ratio | 68.3673% | 4,103 |
| Assets per employee ($millions) | 3.0240% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8680% | 941 |
| Loan loss allowance to noncurrent loans | 22.8183% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 7.1661% | 585 |
| Noncurrent loans to loans | 12.5688% | 179 |
| Net loans and leases to total assets | 54.5150% | 4,634 |
| Net loans and leases to deposits | 63.5563% | 4,697 |
| Net loans and leases to core deposits | 66.4498% | 4,864 |
| Total domestic deposits to total assets | 85.7744% | 3,651 |
| Equity capital to assets | 9.4580% | 4,873 |
| Core capital (leverage) ratio | 8.1907% | 6,039 |
| Tier 1 risk-based capital ratio | 15.1805% | 3,635 |
| Total risk-based capital ratio | 16.4521% | 3,583 |
| Memoranda: | ||
| Average total assets | $456,184,500 | 1,463 |
| Average earning assets | $420,062,500 | 1,455 |
| Average equity | $42,770,500 | 1,623 |
| Average total loans | $255,779,000 | 1,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 4,084 |
| Cost of funding earning assets | 0.9747% | 3,545 |
| Net interest margin | 3.7639% | 4,012 |
| Noninterest income to average assets | 0.6244% | 3,045 |
| Noninterest expense to average assets | 3.1120% | 3,158 |
| Loan and lease loss provision to assets | 0.7439% | 1,361 |
| Net operating income to assets | 0.1611% | 5,700 |
| Return on assets (ROA) | 0.2421% | 5,597 |
| Pretax return on assets | 0.2878% | 5,597 |
| Return on Equity (ROE) | 2.7623% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.7623% | 4,268 |
| Net charge-offs to loans | 1.5332% | 1,040 |
| Credit loss provision to net charge-offs | 84.4197% | 4,265 |
| Earnings coverage of net charge-offs (x) | 1.0613% | 4,995 |
| Efficiency ratio | 74.2007% | 3,195 |
| Assets per employee ($millions) | 2.9983% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7405% | 1,046 |
| Loan loss allowance to noncurrent loans | 27.1615% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 5.7747% | 877 |
| Noncurrent loans to loans | 10.0897% | 310 |
| Net loans and leases to total assets | 54.4786% | 4,955 |
| Net loans and leases to deposits | 62.8635% | 5,137 |
| Net loans and leases to core deposits | 65.2672% | 5,340 |
| Total domestic deposits to total assets | 86.6617% | 2,939 |
| Equity capital to assets | 9.2933% | 5,159 |
| Core capital (leverage) ratio | 8.1808% | 6,034 |
| Tier 1 risk-based capital ratio | 14.7840% | 3,771 |
| Total risk-based capital ratio | 16.0522% | 3,738 |
| Memoranda: | ||
| Average total assets | $468,320,400 | 1,409 |
| Average earning assets | $425,891,800 | 1,418 |
| Average equity | $41,053,200 | 1,635 |
| Average total loans | $269,180,000 | 1,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 3,931 |
| Cost of funding earning assets | 1.0568% | 3,275 |
| Net interest margin | 3.7655% | 4,036 |
| Noninterest income to average assets | 0.5800% | 3,300 |
| Noninterest expense to average assets | 3.2395% | 2,698 |
| Loan and lease loss provision to assets | 0.8360% | 1,105 |
| Net operating income to assets | -0.0424% | 6,209 |
| Return on assets (ROA) | 0.0846% | 6,117 |
| Pretax return on assets | 0.0455% | 6,165 |
| Return on Equity (ROE) | 0.9788% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.9788% | 5,614 |
| Net charge-offs to loans | 1.7404% | 787 |
| Credit loss provision to net charge-offs | 83.0570% | 4,033 |
| Earnings coverage of net charge-offs (x) | 0.7496% | 5,050 |
| Efficiency ratio | 78.3969% | 2,491 |
| Assets per employee ($millions) | 2.6701% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6728% | 1,161 |
| Loan loss allowance to noncurrent loans | 25.7185% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 6.4951% | 797 |
| Noncurrent loans to loans | 10.3924% | 329 |
| Net loans and leases to total assets | 58.1391% | 4,490 |
| Net loans and leases to deposits | 67.3794% | 4,708 |
| Net loans and leases to core deposits | 70.2050% | 4,929 |
| Total domestic deposits to total assets | 86.2861% | 3,047 |
| Equity capital to assets | 9.4890% | 5,109 |
| Core capital (leverage) ratio | 8.0461% | 6,348 |
| Tier 1 risk-based capital ratio | 13.9464% | 4,394 |
| Total risk-based capital ratio | 15.2153% | 4,351 |
| Memoranda: | ||
| Average total assets | $471,463,500 | 1,412 |
| Average earning assets | $427,452,250 | 1,425 |
| Average equity | $40,728,000 | 1,654 |
| Average total loans | $272,654,750 | 1,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 3,879 |
| Cost of funding earning assets | 1.1432% | 2,941 |
| Net interest margin | 3.7036% | 4,247 |
| Noninterest income to average assets | 0.5683% | 3,345 |
| Noninterest expense to average assets | 3.1933% | 2,926 |
| Loan and lease loss provision to assets | 1.1001% | 743 |
| Net operating income to assets | -0.1841% | 6,456 |
| Return on assets (ROA) | -0.1831% | 6,491 |
| Pretax return on assets | -0.3612% | 6,572 |
| Return on Equity (ROE) | -2.1848% | 6,533 |
| Retained earnings to average equity (ytd only) | -2.1848% | 6,276 |
| Net charge-offs to loans | 2.5176% | 465 |
| Credit loss provision to net charge-offs | 76.3249% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.5115% | 4,922 |
| Efficiency ratio | 78.5488% | 2,621 |
| Assets per employee ($millions) | 2.8802% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 1,373 |
| Loan loss allowance to noncurrent loans | 34.7332% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 4.3917% | 1,437 |
| Noncurrent loans to loans | 7.3396% | 676 |
| Net loans and leases to total assets | 54.8178% | 5,176 |
| Net loans and leases to deposits | 68.4578% | 4,640 |
| Net loans and leases to core deposits | 71.4390% | 4,895 |
| Total domestic deposits to total assets | 80.0753% | 5,804 |
| Equity capital to assets | 8.5254% | 6,153 |
| Core capital (leverage) ratio | 7.2844% | 6,873 |
| Tier 1 risk-based capital ratio | 13.2619% | 4,722 |
| Total risk-based capital ratio | 14.5287% | 4,679 |
| Memoranda: | ||
| Average total assets | $481,764,330 | 1,396 |
| Average earning assets | $437,356,000 | 1,402 |
| Average equity | $40,369,000 | 1,661 |
| Average total loans | $275,815,670 | 1,572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 4,181 |
| Cost of funding earning assets | 1.1769% | 2,971 |
| Net interest margin | 3.5976% | 4,580 |
| Noninterest income to average assets | 0.5740% | 3,345 |
| Noninterest expense to average assets | 3.2229% | 2,806 |
| Loan and lease loss provision to assets | 0.2738% | 2,963 |
| Net operating income to assets | 0.2947% | 5,434 |
| Return on assets (ROA) | 0.2961% | 5,498 |
| Pretax return on assets | 0.3587% | 5,475 |
| Return on Equity (ROE) | 3.5637% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.5637% | 4,049 |
| Net charge-offs to loans | 0.3556% | 2,640 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 3.0723% | 2,861 |
| Efficiency ratio | 80.8902% | 2,381 |
| Assets per employee ($millions) | 2.9295% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7838% | 1,130 |
| Loan loss allowance to noncurrent loans | 34.8438% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 4.8089% | 1,326 |
| Noncurrent loans to loans | 7.9894% | 629 |
| Net loans and leases to total assets | 56.1143% | 4,978 |
| Net loans and leases to deposits | 70.2772% | 4,309 |
| Net loans and leases to core deposits | 73.4561% | 4,595 |
| Total domestic deposits to total assets | 79.8472% | 5,979 |
| Equity capital to assets | 8.4405% | 6,000 |
| Core capital (leverage) ratio | 7.4072% | 6,784 |
| Tier 1 risk-based capital ratio | 13.1787% | 4,682 |
| Total risk-based capital ratio | 14.4489% | 4,643 |
| Memoranda: | ||
| Average total assets | $485,026,500 | 1,390 |
| Average earning assets | $442,178,000 | 1,396 |
| Average equity | $40,295,500 | 1,655 |
| Average total loans | $280,058,000 | 1,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 3,899 |
| Cost of funding earning assets | 1.4586% | 2,900 |
| Net interest margin | 3.6833% | 4,428 |
| Noninterest income to average assets | 0.4890% | 4,255 |
| Noninterest expense to average assets | 2.9902% | 3,887 |
| Loan and lease loss provision to assets | 2.5255% | 437 |
| Net operating income to assets | -1.0192% | 6,693 |
| Return on assets (ROA) | -0.9301% | 6,675 |
| Pretax return on assets | -1.5375% | 6,868 |
| Return on Equity (ROE) | -10.1702% | 6,735 |
| Retained earnings to average equity (ytd only) | -10.1702% | 6,669 |
| Net charge-offs to loans | 3.0688% | 526 |
| Credit loss provision to net charge-offs | 132.2334% | 2,973 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 5,668 |
| Efficiency ratio | 75.1542% | 3,174 |
| Assets per employee ($millions) | 2.8971% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7005% | 1,168 |
| Loan loss allowance to noncurrent loans | 35.0337% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 4.5722% | 1,464 |
| Noncurrent loans to loans | 7.7083% | 688 |
| Net loans and leases to total assets | 56.2002% | 5,313 |
| Net loans and leases to deposits | 69.4493% | 4,887 |
| Net loans and leases to core deposits | 72.5645% | 5,154 |
| Total domestic deposits to total assets | 80.9225% | 5,544 |
| Equity capital to assets | 8.1778% | 6,287 |
| Core capital (leverage) ratio | 7.2773% | 6,855 |
| Tier 1 risk-based capital ratio | 12.7591% | 4,811 |
| Total risk-based capital ratio | 14.0280% | 4,758 |
| Memoranda: | ||
| Average total assets | $485,523,200 | 1,379 |
| Average earning assets | $441,593,200 | 1,382 |
| Average equity | $44,404,200 | 1,506 |
| Average total loans | $302,169,200 | 1,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 3,478 |
| Cost of funding earning assets | 1.5033% | 2,957 |
| Net interest margin | 3.7700% | 4,094 |
| Noninterest income to average assets | 0.5017% | 4,173 |
| Noninterest expense to average assets | 2.9721% | 3,848 |
| Loan and lease loss provision to assets | 1.0958% | 1,329 |
| Net operating income to assets | -0.0677% | 6,139 |
| Return on assets (ROA) | 0.1164% | 5,891 |
| Pretax return on assets | 0.0443% | 6,013 |
| Return on Equity (ROE) | 1.2397% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.2397% | 5,316 |
| Net charge-offs to loans | 0.5016% | 3,273 |
| Credit loss provision to net charge-offs | 344.7619% | 923 |
| Earnings coverage of net charge-offs (x) | 3.0078% | 3,628 |
| Efficiency ratio | 72.9788% | 3,529 |
| Assets per employee ($millions) | 2.8418% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,371 |
| Loan loss allowance to noncurrent loans | 27.4883% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 5.8385% | 1,035 |
| Noncurrent loans to loans | 8.9928% | 537 |
| Net loans and leases to total assets | 61.4159% | 4,648 |
| Net loans and leases to deposits | 77.9621% | 3,835 |
| Net loans and leases to core deposits | 81.5419% | 4,309 |
| Total domestic deposits to total assets | 78.7766% | 6,071 |
| Equity capital to assets | 9.4472% | 4,920 |
| Core capital (leverage) ratio | 8.6263% | 5,303 |
| Tier 1 risk-based capital ratio | 14.1631% | 3,713 |
| Total risk-based capital ratio | 15.4293% | 3,673 |
| Memoranda: | ||
| Average total assets | $484,501,750 | 1,403 |
| Average earning assets | $440,340,000 | 1,400 |
| Average equity | $45,495,500 | 1,477 |
| Average total loans | $307,012,000 | 1,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 3,104 |
| Cost of funding earning assets | 1.5414% | 3,006 |
| Net interest margin | 3.8290% | 3,769 |
| Noninterest income to average assets | 0.4770% | 4,303 |
| Noninterest expense to average assets | 2.9322% | 3,953 |
| Loan and lease loss provision to assets | 0.5487% | 2,587 |
| Net operating income to assets | 0.3664% | 4,907 |
| Return on assets (ROA) | 0.5812% | 4,091 |
| Pretax return on assets | 0.7458% | 4,081 |
| Return on Equity (ROE) | 6.2016% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.2016% | 2,228 |
| Net charge-offs to loans | 0.5899% | 2,756 |
| Credit loss provision to net charge-offs | 146.4835% | 2,699 |
| Earnings coverage of net charge-offs (x) | 2.7209% | 3,638 |
| Efficiency ratio | 71.5104% | 3,903 |
| Assets per employee ($millions) | 2.9156% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,176 |
| Loan loss allowance to noncurrent loans | 22.3363% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 4.9779% | 1,297 |
| Noncurrent loans to loans | 7.4837% | 718 |
| Net loans and leases to total assets | 61.6339% | 4,754 |
| Net loans and leases to deposits | 78.0543% | 3,955 |
| Net loans and leases to core deposits | 81.2914% | 4,516 |
| Total domestic deposits to total assets | 78.9629% | 6,050 |
| Equity capital to assets | 9.5873% | 4,569 |
| Core capital (leverage) ratio | 8.8487% | 4,836 |
| Tier 1 risk-based capital ratio | 14.3093% | 3,531 |
| Total risk-based capital ratio | 15.5652% | 3,504 |
| Memoranda: | ||
| Average total assets | $485,916,670 | 1,408 |
| Average earning assets | $440,897,330 | 1,407 |
| Average equity | $45,537,000 | 1,475 |
| Average total loans | $308,539,330 | 1,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 2,987 |
| Cost of funding earning assets | 1.6201% | 2,836 |
| Net interest margin | 3.7909% | 3,832 |
| Noninterest income to average assets | 0.5398% | 3,730 |
| Noninterest expense to average assets | 3.1227% | 3,171 |
| Loan and lease loss provision to assets | 0.0123% | 6,493 |
| Net operating income to assets | 0.6026% | 3,884 |
| Return on assets (ROA) | 1.0015% | 2,246 |
| Pretax return on assets | 1.3786% | 1,838 |
| Return on Equity (ROE) | 10.8103% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.8103% | 957 |
| Net charge-offs to loans | 0.6480% | 2,206 |
| Credit loss provision to net charge-offs | 2.9762% | 5,104 |
| Earnings coverage of net charge-offs (x) | 2.0397% | 3,522 |
| Efficiency ratio | 76.0613% | 3,203 |
| Assets per employee ($millions) | 2.7559% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,665 |
| Loan loss allowance to noncurrent loans | 16.9188% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 5.5616% | 1,109 |
| Noncurrent loans to loans | 7.9913% | 674 |
| Net loans and leases to total assets | 62.9361% | 4,549 |
| Net loans and leases to deposits | 79.7812% | 3,698 |
| Net loans and leases to core deposits | 83.9220% | 4,210 |
| Total domestic deposits to total assets | 78.8859% | 6,102 |
| Equity capital to assets | 9.4450% | 4,621 |
| Core capital (leverage) ratio | 8.5910% | 5,219 |
| Tier 1 risk-based capital ratio | 13.8494% | 3,766 |
| Total risk-based capital ratio | 15.1030% | 3,722 |
| Memoranda: | ||
| Average total assets | $486,884,000 | 1,442 |
| Average earning assets | $440,214,000 | 1,446 |
| Average equity | $45,105,000 | 1,493 |
| Average total loans | $311,125,000 | 1,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 2,166 |
| Cost of funding earning assets | 2.0133% | 2,901 |
| Net interest margin | 3.9043% | 3,253 |
| Noninterest income to average assets | 0.2851% | 6,064 |
| Noninterest expense to average assets | 2.8888% | 4,571 |
| Loan and lease loss provision to assets | 2.4348% | 828 |
| Net operating income to assets | -0.8626% | 6,482 |
| Return on assets (ROA) | -0.7582% | 6,404 |
| Pretax return on assets | -1.3090% | 6,597 |
| Return on Equity (ROE) | -7.6839% | 6,441 |
| Retained earnings to average equity (ytd only) | -13.8120% | 6,802 |
| Net charge-offs to loans | 3.4598% | 565 |
| Credit loss provision to net charge-offs | 104.9909% | 5,269 |
| Earnings coverage of net charge-offs (x) | 0.4151% | 5,692 |
| Efficiency ratio | 72.3569% | 4,209 |
| Assets per employee ($millions) | 2.7154% | 6,825 |
| Cash dividends to net income (ytd only)* | -79.7522% | 7,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,846 |
| Loan loss allowance to noncurrent loans | 17.3013% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 5.9175% | 956 |
| Noncurrent loans to loans | 8.5404% | 561 |
| Net loans and leases to total assets | 63.0562% | 4,794 |
| Net loans and leases to deposits | 78.8487% | 4,202 |
| Net loans and leases to core deposits | 96.7946% | 4,375 |
| Total domestic deposits to total assets | 79.9712% | 5,676 |
| Equity capital to assets | 9.0864% | 5,006 |
| Core capital (leverage) ratio | 8.4239% | 5,402 |
| Tier 1 risk-based capital ratio | 12.8159% | 4,274 |
| Total risk-based capital ratio | 14.0614% | 4,227 |
| Memoranda: | ||
| Average total assets | $500,244,600 | 1,374 |
| Average earning assets | $456,959,800 | 1,377 |
| Average equity | $49,363,000 | 1,365 |
| Average total loans | $335,309,400 | 1,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9810% | 2,115 |
| Cost of funding earning assets | 2.1151% | 2,825 |
| Net interest margin | 3.8659% | 3,361 |
| Noninterest income to average assets | 0.5252% | 4,280 |
| Noninterest expense to average assets | 2.8973% | 4,467 |
| Loan and lease loss provision to assets | 0.9370% | 2,053 |
| Net operating income to assets | 0.2237% | 5,081 |
| Return on assets (ROA) | 0.3559% | 4,665 |
| Pretax return on assets | 0.3771% | 4,857 |
| Return on Equity (ROE) | 3.5378% | 4,561 |
| Retained earnings to average equity (ytd only) | -3.7172% | 6,063 |
| Net charge-offs to loans | 0.9883% | 1,993 |
| Credit loss provision to net charge-offs | 139.8970% | 3,524 |
| Earnings coverage of net charge-offs (x) | 1.7520% | 4,482 |
| Efficiency ratio | 68.6767% | 4,848 |
| Assets per employee ($millions) | 2.6270% | 7,000 |
| Cash dividends to net income (ytd only)* | 205.0706% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,167 |
| Loan loss allowance to noncurrent loans | 20.0379% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 5.9204% | 920 |
| Noncurrent loans to loans | 7.7654% | 650 |
| Net loans and leases to total assets | 66.0663% | 4,416 |
| Net loans and leases to deposits | 84.5078% | 3,567 |
| Net loans and leases to core deposits | 105.2276% | 3,794 |
| Total domestic deposits to total assets | 78.1778% | 6,028 |
| Equity capital to assets | 10.3306% | 3,698 |
| Core capital (leverage) ratio | 9.1610% | 4,400 |
| Tier 1 risk-based capital ratio | 14.2707% | 3,401 |
| Total risk-based capital ratio | 15.5290% | 3,341 |
| Memoranda: | ||
| Average total assets | $502,432,500 | 1,385 |
| Average earning assets | $460,803,750 | 1,384 |
| Average equity | $50,539,000 | 1,344 |
| Average total loans | $340,495,500 | 1,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9764% | 2,280 |
| Cost of funding earning assets | 2.1644% | 2,963 |
| Net interest margin | 3.8120% | 3,504 |
| Noninterest income to average assets | 0.4879% | 4,553 |
| Noninterest expense to average assets | 2.8308% | 4,823 |
| Loan and lease loss provision to assets | 0.8730% | 1,929 |
| Net operating income to assets | 0.2590% | 5,058 |
| Return on assets (ROA) | 0.4032% | 4,615 |
| Pretax return on assets | 0.4465% | 4,805 |
| Return on Equity (ROE) | 4.0434% | 4,481 |
| Retained earnings to average equity (ytd only) | -6.0257% | 6,455 |
| Net charge-offs to loans | 0.7241% | 2,245 |
| Credit loss provision to net charge-offs | 177.3600% | 2,585 |
| Earnings coverage of net charge-offs (x) | 2.3552% | 3,886 |
| Efficiency ratio | 68.4299% | 5,083 |
| Assets per employee ($millions) | 2.7938% | 6,642 |
| Cash dividends to net income (ytd only)* | 249.0234% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,113 |
| Loan loss allowance to noncurrent loans | 18.0195% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 6.1052% | 788 |
| Noncurrent loans to loans | 8.4030% | 496 |
| Net loans and leases to total assets | 64.4067% | 4,897 |
| Net loans and leases to deposits | 80.9929% | 4,391 |
| Net loans and leases to core deposits | 105.0142% | 3,958 |
| Total domestic deposits to total assets | 79.5215% | 5,634 |
| Equity capital to assets | 9.6800% | 4,382 |
| Core capital (leverage) ratio | 8.9564% | 4,702 |
| Tier 1 risk-based capital ratio | 13.8200% | 3,614 |
| Total risk-based capital ratio | 15.0707% | 3,556 |
| Memoranda: | ||
| Average total assets | $507,911,670 | 1,392 |
| Average earning assets | $466,637,000 | 1,386 |
| Average equity | $50,650,000 | 1,354 |
| Average total loans | $345,276,000 | 1,446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3027% | 1,291 |
| Cost of funding earning assets | 2.2480% | 2,925 |
| Net interest margin | 4.0547% | 2,437 |
| Noninterest income to average assets | 0.4444% | 4,840 |
| Noninterest expense to average assets | 2.7603% | 4,736 |
| Loan and lease loss provision to assets | 0.4712% | 2,593 |
| Net operating income to assets | 0.7138% | 3,487 |
| Return on assets (ROA) | 0.8880% | 2,896 |
| Pretax return on assets | 1.1717% | 2,717 |
| Return on Equity (ROE) | 8.7764% | 2,806 |
| Retained earnings to average equity (ytd only) | 4.8827% | 3,200 |
| Net charge-offs to loans | 0.7291% | 1,730 |
| Credit loss provision to net charge-offs | 93.2917% | 3,937 |
| Earnings coverage of net charge-offs (x) | 2.7988% | 3,380 |
| Efficiency ratio | 63.7153% | 5,740 |
| Assets per employee ($millions) | 2.9534% | 6,273 |
| Cash dividends to net income (ytd only)* | 44.3656% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 4,995 |
| Loan loss allowance to noncurrent loans | 29.9524% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9777% | 1,893 |
| Noncurrent loans to loans | 3.9006% | 1,566 |
| Net loans and leases to total assets | 66.2574% | 4,524 |
| Net loans and leases to deposits | 84.1061% | 3,964 |
| Net loans and leases to core deposits | 116.0338% | 2,803 |
| Total domestic deposits to total assets | 78.7783% | 5,800 |
| Equity capital to assets | 10.0752% | 3,910 |
| Core capital (leverage) ratio | 9.3604% | 4,156 |
| Tier 1 risk-based capital ratio | 13.9261% | 3,634 |
| Total risk-based capital ratio | 15.1060% | 3,589 |
| Memoranda: | ||
| Average total assets | $507,632,500 | 1,400 |
| Average earning assets | $466,909,500 | 1,395 |
| Average equity | $51,365,000 | 1,336 |
| Average total loans | $351,652,000 | 1,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8947% | 1,413 |
| Cost of funding earning assets | 2.8050% | 2,686 |
| Net interest margin | 4.0897% | 2,758 |
| Noninterest income to average assets | 0.6207% | 3,707 |
| Noninterest expense to average assets | 2.4778% | 6,093 |
| Loan and lease loss provision to assets | 0.5424% | 2,655 |
| Net operating income to assets | 1.0193% | 2,477 |
| Return on assets (ROA) | 0.9634% | 2,603 |
| Pretax return on assets | 1.2826% | 2,373 |
| Return on Equity (ROE) | 9.7640% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.7134% | 1,658 |
| Net charge-offs to loans | 0.5531% | 2,169 |
| Credit loss provision to net charge-offs | 136.3819% | 3,906 |
| Earnings coverage of net charge-offs (x) | 4.7764% | 3,863 |
| Efficiency ratio | 54.2778% | 7,239 |
| Assets per employee ($millions) | 3.0023% | 6,053 |
| Cash dividends to net income (ytd only)* | 41.4852% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,032 |
| Loan loss allowance to noncurrent loans | 33.3771% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 2.7989% | 1,678 |
| Noncurrent loans to loans | 3.3969% | 1,511 |
| Net loans and leases to total assets | 70.7496% | 3,845 |
| Net loans and leases to deposits | 90.0555% | 3,444 |
| Net loans and leases to core deposits | 119.2453% | 2,766 |
| Total domestic deposits to total assets | 78.5622% | 5,526 |
| Equity capital to assets | 10.1629% | 3,850 |
| Core capital (leverage) ratio | 9.4189% | 4,132 |
| Tier 1 risk-based capital ratio | 13.1813% | 4,008 |
| Total risk-based capital ratio | 14.3276% | 3,976 |
| Memoranda: | ||
| Average total assets | $500,400,800 | 1,346 |
| Average earning assets | $459,641,400 | 1,356 |
| Average equity | $49,375,400 | 1,381 |
| Average total loans | $359,762,200 | 1,348 |