Home > Anderson Brothers Bank > Performance and Condition Ratios
Anderson Brothers Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2669% | 114 |
| Cost of funding earning assets | 1.9692% | 2,014 |
| Net interest margin | 6.2977% | 72 |
| Noninterest income to average assets | 0.7400% | 925 |
| Noninterest expense to average assets | 3.9778% | 387 |
| Loan and lease loss provision to assets | 1.1500% | 77 |
| Net operating income to assets | 1.2246% | 1,669 |
| Return on assets (ROA) | 1.2246% | 1,666 |
| Pretax return on assets | 1.5370% | 1,430 |
| Return on Equity (ROE) | 14.4400% | 1,183 |
| Retained earnings to average equity (ytd only) | 9.7643% | 1,235 |
| Net charge-offs to loans | 1.1370% | 130 |
| Credit loss provision to net charge-offs | 127.8660% | 1,112 |
| Earnings coverage of net charge-offs (x) | 2.9872% | 2,046 |
| Efficiency ratio | 59.6822% | 3,004 |
| Assets per employee ($millions) | 4.9564% | 3,699 |
| Cash dividends to net income (ytd only)* | 32.3887% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 415 |
| Loan loss allowance to noncurrent loans | 302.0708% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 1,421 |
| Noncurrent loans to loans | 0.6455% | 1,558 |
| Net loans and leases to total assets | 76.6600% | 1,000 |
| Net loans and leases to deposits | 84.3450% | 1,655 |
| Net loans and leases to core deposits | 107.8145% | 945 |
| Total domestic deposits to total assets | 90.8900% | 550 |
| Equity capital to assets | 8.4340% | 3,361 |
| Core capital (leverage) ratio | 9.1608% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4775% | 2,363 |
| Memoranda: | ||
| Average total assets | $2,016,971,000 | 590 |
| Average earning assets | $1,896,615,500 | 571 |
| Average equity | $171,030,500 | 668 |
| Average total loans | $1,595,762,500 | 531 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4079% | 126 |
| Cost of funding earning assets | 2.0243% | 2,162 |
| Net interest margin | 6.3836% | 75 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 4.1387% | 343 |
| Loan and lease loss provision to assets | 1.1700% | 62 |
| Net operating income to assets | 1.2345% | 1,426 |
| Return on assets (ROA) | 1.2345% | 1,437 |
| Pretax return on assets | 1.5066% | 1,265 |
| Return on Equity (ROE) | 14.7900% | 972 |
| Retained earnings to average equity (ytd only) | 11.6466% | 341 |
| Net charge-offs to loans | 1.2866% | 116 |
| Credit loss provision to net charge-offs | 116.8102% | 1,702 |
| Earnings coverage of net charge-offs (x) | 2.6760% | 2,805 |
| Efficiency ratio | 60.7535% | 3,079 |
| Assets per employee ($millions) | 4.6577% | 3,854 |
| Cash dividends to net income (ytd only)* | 21.2441% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 696 |
| Loan loss allowance to noncurrent loans | 290.8033% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 1,498 |
| Noncurrent loans to loans | 0.5728% | 1,651 |
| Net loans and leases to total assets | 78.6400% | 818 |
| Net loans and leases to deposits | 86.5293% | 1,536 |
| Net loans and leases to core deposits | 109.4046% | 960 |
| Total domestic deposits to total assets | 90.8800% | 551 |
| Equity capital to assets | 8.5429% | 3,166 |
| Core capital (leverage) ratio | 9.1106% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6786% | 2,323 |
| Memoranda: | ||
| Average total assets | $1,906,519,000 | 604 |
| Average earning assets | $1,786,502,400 | 593 |
| Average equity | $159,154,000 | 678 |
| Average total loans | $1,480,486,800 | 547 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3054% | 139 |
| Cost of funding earning assets | 1.9968% | 2,221 |
| Net interest margin | 6.3086% | 82 |
| Noninterest income to average assets | 0.8700% | 778 |
| Noninterest expense to average assets | 4.1455% | 340 |
| Loan and lease loss provision to assets | 1.0200% | 68 |
| Net operating income to assets | 1.2394% | 1,438 |
| Return on assets (ROA) | 1.2394% | 1,441 |
| Pretax return on assets | 1.6129% | 1,141 |
| Return on Equity (ROE) | 14.9400% | 967 |
| Retained earnings to average equity (ytd only) | 10.6875% | 705 |
| Net charge-offs to loans | 1.2401% | 110 |
| Credit loss provision to net charge-offs | 107.0190% | 1,594 |
| Earnings coverage of net charge-offs (x) | 2.7581% | 2,571 |
| Efficiency ratio | 61.1345% | 3,044 |
| Assets per employee ($millions) | 4.7330% | 3,812 |
| Cash dividends to net income (ytd only)* | 28.4511% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 845 |
| Loan loss allowance to noncurrent loans | 289.1889% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 1,572 |
| Noncurrent loans to loans | 0.5520% | 1,708 |
| Net loans and leases to total assets | 74.2300% | 1,333 |
| Net loans and leases to deposits | 82.7951% | 1,897 |
| Net loans and leases to core deposits | 101.7774% | 1,383 |
| Total domestic deposits to total assets | 89.6600% | 687 |
| Equity capital to assets | 8.3923% | 3,468 |
| Core capital (leverage) ratio | 9.1650% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8607% | 2,292 |
| Memoranda: | ||
| Average total assets | $1,890,599,250 | 601 |
| Average earning assets | $1,770,587,500 | 592 |
| Average equity | $156,864,250 | 682 |
| Average total loans | $1,456,707,500 | 554 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2984% | 137 |
| Cost of funding earning assets | 1.9812% | 2,169 |
| Net interest margin | 6.3171% | 83 |
| Noninterest income to average assets | 0.9000% | 711 |
| Noninterest expense to average assets | 4.2517% | 316 |
| Loan and lease loss provision to assets | 1.0200% | 68 |
| Net operating income to assets | 1.1803% | 1,522 |
| Return on assets (ROA) | 1.1803% | 1,523 |
| Pretax return on assets | 1.5319% | 1,228 |
| Return on Equity (ROE) | 14.2800% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.0253% | 686 |
| Net charge-offs to loans | 1.2700% | 101 |
| Credit loss provision to net charge-offs | 103.8024% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.5919% | 2,389 |
| Efficiency ratio | 62.4602% | 2,949 |
| Assets per employee ($millions) | 4.6282% | 3,853 |
| Cash dividends to net income (ytd only)* | 22.8165% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 886 |
| Loan loss allowance to noncurrent loans | 318.2585% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,561 |
| Noncurrent loans to loans | 0.4990% | 1,755 |
| Net loans and leases to total assets | 77.1400% | 1,016 |
| Net loans and leases to deposits | 86.0945% | 1,653 |
| Net loans and leases to core deposits | 102.6658% | 1,322 |
| Total domestic deposits to total assets | 89.6000% | 815 |
| Equity capital to assets | 8.4124% | 3,155 |
| Core capital (leverage) ratio | 9.1042% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7786% | 2,338 |
| Memoranda: | ||
| Average total assets | $1,856,594,333 | 614 |
| Average earning assets | $1,737,497,000 | 601 |
| Average equity | $153,410,333 | 695 |
| Average total loans | $1,441,226,667 | 559 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1098% | 155 |
| Cost of funding earning assets | 1.8768% | 2,303 |
| Net interest margin | 6.2330% | 99 |
| Noninterest income to average assets | 0.8500% | 733 |
| Noninterest expense to average assets | 4.1910% | 317 |
| Loan and lease loss provision to assets | 0.9800% | 84 |
| Net operating income to assets | 1.1592% | 1,530 |
| Return on assets (ROA) | 1.1592% | 1,540 |
| Pretax return on assets | 1.5136% | 1,227 |
| Return on Equity (ROE) | 14.1600% | 1,114 |
| Retained earnings to average equity (ytd only) | 7.5404% | 1,669 |
| Net charge-offs to loans | 1.2280% | 79 |
| Credit loss provision to net charge-offs | 102.8336% | 1,125 |
| Earnings coverage of net charge-offs (x) | 2.6241% | 1,981 |
| Efficiency ratio | 62.7393% | 2,948 |
| Assets per employee ($millions) | 4.6707% | 3,856 |
| Cash dividends to net income (ytd only)* | 46.7464% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 855 |
| Loan loss allowance to noncurrent loans | 271.0542% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,368 |
| Noncurrent loans to loans | 0.5888% | 1,473 |
| Net loans and leases to total assets | 73.6900% | 1,382 |
| Net loans and leases to deposits | 82.1650% | 1,872 |
| Net loans and leases to core deposits | 100.1064% | 1,419 |
| Total domestic deposits to total assets | 89.6900% | 895 |
| Equity capital to assets | 7.8384% | 3,471 |
| Core capital (leverage) ratio | 9.2116% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5816% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,845,375,500 | 632 |
| Average earning assets | $1,724,828,500 | 618 |
| Average equity | $151,079,500 | 709 |
| Average total loans | $1,425,358,500 | 567 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9790% | 122 |
| Cost of funding earning assets | 1.4016% | 2,226 |
| Net interest margin | 6.5774% | 77 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 4.2640% | 314 |
| Loan and lease loss provision to assets | 0.9600% | 76 |
| Net operating income to assets | 1.4367% | 1,146 |
| Return on assets (ROA) | 1.4367% | 1,114 |
| Pretax return on assets | 1.7625% | 939 |
| Return on Equity (ROE) | 17.3400% | 908 |
| Retained earnings to average equity (ytd only) | 12.5248% | 572 |
| Net charge-offs to loans | 0.9933% | 104 |
| Credit loss provision to net charge-offs | 123.6441% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.4969% | 2,638 |
| Efficiency ratio | 60.9963% | 2,970 |
| Assets per employee ($millions) | 4.3162% | 4,041 |
| Cash dividends to net income (ytd only)* | 27.7881% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 765 |
| Loan loss allowance to noncurrent loans | 265.3310% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,086 |
| Noncurrent loans to loans | 0.6208% | 1,271 |
| Net loans and leases to total assets | 78.5200% | 811 |
| Net loans and leases to deposits | 88.0967% | 1,421 |
| Net loans and leases to core deposits | 101.4793% | 1,356 |
| Total domestic deposits to total assets | 89.1300% | 1,024 |
| Equity capital to assets | 8.5724% | 2,998 |
| Core capital (leverage) ratio | 9.2311% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7537% | 2,321 |
| Memoranda: | ||
| Average total assets | $1,690,774,600 | 650 |
| Average earning assets | $1,553,759,800 | 646 |
| Average equity | $140,050,400 | 713 |
| Average total loans | $1,327,193,600 | 573 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8472% | 121 |
| Cost of funding earning assets | 1.2677% | 2,227 |
| Net interest margin | 6.5795% | 68 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 4.2504% | 311 |
| Loan and lease loss provision to assets | 0.8900% | 74 |
| Net operating income to assets | 1.4553% | 1,210 |
| Return on assets (ROA) | 1.4553% | 1,191 |
| Pretax return on assets | 1.8945% | 864 |
| Return on Equity (ROE) | 17.7300% | 979 |
| Retained earnings to average equity (ytd only) | 13.3681% | 762 |
| Net charge-offs to loans | 0.8922% | 102 |
| Credit loss provision to net charge-offs | 127.8393% | 1,437 |
| Earnings coverage of net charge-offs (x) | 3.9955% | 2,418 |
| Efficiency ratio | 60.4079% | 2,919 |
| Assets per employee ($millions) | 4.3534% | 4,023 |
| Cash dividends to net income (ytd only)* | 24.6076% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 858 |
| Loan loss allowance to noncurrent loans | 267.4919% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 1,199 |
| Noncurrent loans to loans | 0.6035% | 1,336 |
| Net loans and leases to total assets | 76.7400% | 1,024 |
| Net loans and leases to deposits | 84.9419% | 1,655 |
| Net loans and leases to core deposits | 95.6374% | 1,574 |
| Total domestic deposits to total assets | 90.3500% | 850 |
| Equity capital to assets | 7.9409% | 3,092 |
| Core capital (leverage) ratio | 9.2148% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6782% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,675,370,500 | 659 |
| Average earning assets | $1,533,494,750 | 655 |
| Average equity | $137,507,500 | 718 |
| Average total loans | $1,309,215,500 | 580 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7143% | 119 |
| Cost of funding earning assets | 1.0981% | 2,286 |
| Net interest margin | 6.6161% | 71 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 4.2183% | 306 |
| Loan and lease loss provision to assets | 0.7800% | 93 |
| Net operating income to assets | 1.6117% | 932 |
| Return on assets (ROA) | 1.6117% | 934 |
| Pretax return on assets | 2.0968% | 632 |
| Return on Equity (ROE) | 19.4100% | 782 |
| Retained earnings to average equity (ytd only) | 12.8073% | 835 |
| Net charge-offs to loans | 0.7615% | 112 |
| Credit loss provision to net charge-offs | 130.9329% | 1,283 |
| Earnings coverage of net charge-offs (x) | 4.8306% | 2,201 |
| Efficiency ratio | 59.4567% | 3,027 |
| Assets per employee ($millions) | 4.0978% | 4,147 |
| Cash dividends to net income (ytd only)* | 34.0136% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 938 |
| Loan loss allowance to noncurrent loans | 357.7173% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,352 |
| Noncurrent loans to loans | 0.4462% | 1,604 |
| Net loans and leases to total assets | 77.5300% | 884 |
| Net loans and leases to deposits | 85.5082% | 1,540 |
| Net loans and leases to core deposits | 93.1890% | 1,613 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 8.1744% | 3,102 |
| Core capital (leverage) ratio | 9.2371% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5821% | 2,441 |
| Memoranda: | ||
| Average total assets | $1,641,770,333 | 657 |
| Average earning assets | $1,502,567,000 | 657 |
| Average equity | $136,328,667 | 718 |
| Average total loans | $1,283,808,667 | 575 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5076% | 80 |
| Cost of funding earning assets | 0.8837% | 2,426 |
| Net interest margin | 6.6238% | 64 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 4.2050% | 320 |
| Loan and lease loss provision to assets | 0.7900% | 86 |
| Net operating income to assets | 1.5298% | 1,118 |
| Return on assets (ROA) | 1.5298% | 1,098 |
| Pretax return on assets | 1.9943% | 787 |
| Return on Equity (ROE) | 18.2900% | 988 |
| Retained earnings to average equity (ytd only) | 11.6060% | 1,340 |
| Net charge-offs to loans | 0.6583% | 121 |
| Credit loss provision to net charge-offs | 155.0388% | 936 |
| Earnings coverage of net charge-offs (x) | 5.4399% | 1,815 |
| Efficiency ratio | 60.1208% | 2,944 |
| Assets per employee ($millions) | 4.2509% | 4,144 |
| Cash dividends to net income (ytd only)* | 36.5378% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 916 |
| Loan loss allowance to noncurrent loans | 388.0251% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,382 |
| Noncurrent loans to loans | 0.4244% | 1,668 |
| Net loans and leases to total assets | 75.4900% | 1,021 |
| Net loans and leases to deposits | 83.1058% | 1,570 |
| Net loans and leases to core deposits | 88.4797% | 1,712 |
| Total domestic deposits to total assets | 90.8400% | 850 |
| Equity capital to assets | 8.2043% | 3,104 |
| Core capital (leverage) ratio | 9.3458% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8176% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,610,179,500 | 684 |
| Average earning assets | $1,472,379,000 | 680 |
| Average equity | $134,689,000 | 730 |
| Average total loans | $1,254,165,500 | 597 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8714% | 49 |
| Cost of funding earning assets | 0.2370% | 3,439 |
| Net interest margin | 6.6344% | 38 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 4.2315% | 289 |
| Loan and lease loss provision to assets | 0.7200% | 69 |
| Net operating income to assets | 1.8413% | 397 |
| Return on assets (ROA) | 1.8413% | 380 |
| Pretax return on assets | 2.3101% | 264 |
| Return on Equity (ROE) | 21.8000% | 349 |
| Retained earnings to average equity (ytd only) | 17.8710% | 144 |
| Net charge-offs to loans | 0.7621% | 93 |
| Credit loss provision to net charge-offs | 127.4666% | 1,421 |
| Earnings coverage of net charge-offs (x) | 5.3518% | 2,379 |
| Efficiency ratio | 58.2550% | 3,306 |
| Assets per employee ($millions) | 3.9745% | 4,293 |
| Cash dividends to net income (ytd only)* | 18.0284% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 999 |
| Loan loss allowance to noncurrent loans | 393.3898% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,381 |
| Noncurrent loans to loans | 0.4037% | 1,715 |
| Net loans and leases to total assets | 77.8500% | 810 |
| Net loans and leases to deposits | 85.5411% | 1,350 |
| Net loans and leases to core deposits | 89.4162% | 1,536 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 8.5370% | 2,685 |
| Core capital (leverage) ratio | 9.6704% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0773% | 2,338 |
| Memoranda: | ||
| Average total assets | $1,506,208,200 | 696 |
| Average earning assets | $1,395,589,000 | 692 |
| Average equity | $127,211,800 | 776 |
| Average total loans | $1,119,810,800 | 618 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6786% | 46 |
| Cost of funding earning assets | 0.1892% | 3,403 |
| Net interest margin | 6.4894% | 38 |
| Noninterest income to average assets | 1.1500% | 538 |
| Noninterest expense to average assets | 4.1974% | 289 |
| Loan and lease loss provision to assets | 0.6400% | 75 |
| Net operating income to assets | 1.8199% | 414 |
| Return on assets (ROA) | 1.8198% | 406 |
| Pretax return on assets | 2.3730% | 247 |
| Return on Equity (ROE) | 21.6100% | 315 |
| Retained earnings to average equity (ytd only) | 18.4291% | 149 |
| Net charge-offs to loans | 0.5917% | 109 |
| Credit loss provision to net charge-offs | 147.4835% | 1,137 |
| Earnings coverage of net charge-offs (x) | 6.9608% | 2,091 |
| Efficiency ratio | 58.2284% | 3,361 |
| Assets per employee ($millions) | 4.0344% | 4,302 |
| Cash dividends to net income (ytd only)* | 14.7095% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 963 |
| Loan loss allowance to noncurrent loans | 364.4835% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 1,236 |
| Noncurrent loans to loans | 0.4531% | 1,678 |
| Net loans and leases to total assets | 74.8800% | 1,022 |
| Net loans and leases to deposits | 82.2545% | 1,426 |
| Net loans and leases to core deposits | 86.4139% | 1,506 |
| Total domestic deposits to total assets | 91.0300% | 1,229 |
| Equity capital to assets | 8.1216% | 2,823 |
| Core capital (leverage) ratio | 9.3448% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2911% | 2,360 |
| Memoranda: | ||
| Average total assets | $1,494,256,750 | 708 |
| Average earning assets | $1,393,972,750 | 696 |
| Average equity | $125,848,250 | 791 |
| Average total loans | $1,092,444,750 | 629 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5015% | 48 |
| Cost of funding earning assets | 0.1733% | 3,272 |
| Net interest margin | 6.3281% | 41 |
| Noninterest income to average assets | 1.1860% | 484 |
| Noninterest expense to average assets | 4.1216% | 263 |
| Loan and lease loss provision to assets | 0.6166% | 82 |
| Net operating income to assets | 1.8167% | 326 |
| Return on assets (ROA) | 1.8167% | 322 |
| Pretax return on assets | 2.3702% | 198 |
| Return on Equity (ROE) | 21.3051% | 225 |
| Retained earnings to average equity (ytd only) | 19.7160% | 81 |
| Net charge-offs to loans | 0.5369% | 123 |
| Credit loss provision to net charge-offs | 159.3695% | 1,067 |
| Earnings coverage of net charge-offs (x) | 7.7201% | 1,847 |
| Efficiency ratio | 57.9827% | 3,564 |
| Assets per employee ($millions) | 3.9953% | 4,371 |
| Cash dividends to net income (ytd only)* | 7.4588% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 1,025 |
| Loan loss allowance to noncurrent loans | 436.1220% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,466 |
| Noncurrent loans to loans | 0.3815% | 1,994 |
| Net loans and leases to total assets | 74.4522% | 869 |
| Net loans and leases to deposits | 81.8859% | 1,251 |
| Net loans and leases to core deposits | 86.4479% | 1,308 |
| Total domestic deposits to total assets | 90.9219% | 1,269 |
| Equity capital to assets | 8.3561% | 2,868 |
| Core capital (leverage) ratio | 8.9949% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4465% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,475,937,667 | 707 |
| Average earning assets | $1,381,289,667 | 698 |
| Average equity | $125,857,333 | 799 |
| Average total loans | $1,063,428,000 | 627 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3018% | 54 |
| Cost of funding earning assets | 0.1751% | 3,157 |
| Net interest margin | 6.1267% | 47 |
| Noninterest income to average assets | 1.2365% | 466 |
| Noninterest expense to average assets | 3.9124% | 298 |
| Loan and lease loss provision to assets | 0.5462% | 85 |
| Net operating income to assets | 1.9429% | 243 |
| Return on assets (ROA) | 1.9429% | 247 |
| Pretax return on assets | 2.5300% | 173 |
| Return on Equity (ROE) | 22.5534% | 140 |
| Retained earnings to average equity (ytd only) | 19.3835% | 109 |
| Net charge-offs to loans | 0.5510% | 126 |
| Credit loss provision to net charge-offs | 141.2429% | 880 |
| Earnings coverage of net charge-offs (x) | 7.9555% | 1,526 |
| Efficiency ratio | 55.9823% | 3,883 |
| Assets per employee ($millions) | 4.1723% | 4,316 |
| Cash dividends to net income (ytd only)* | 14.0548% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,094 |
| Loan loss allowance to noncurrent loans | 453.8717% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 1,688 |
| Noncurrent loans to loans | 0.3694% | 2,162 |
| Net loans and leases to total assets | 68.5844% | 1,149 |
| Net loans and leases to deposits | 75.2318% | 1,507 |
| Net loans and leases to core deposits | 79.4727% | 1,524 |
| Total domestic deposits to total assets | 91.1642% | 949 |
| Equity capital to assets | 8.2943% | 3,326 |
| Core capital (leverage) ratio | 9.0537% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6715% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,464,794,000 | 713 |
| Average earning assets | $1,375,231,000 | 703 |
| Average equity | $126,189,500 | 813 |
| Average total loans | $1,027,975,500 | 649 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2663% | 35 |
| Cost of funding earning assets | 0.2388% | 3,054 |
| Net interest margin | 7.0275% | 31 |
| Noninterest income to average assets | 1.3160% | 621 |
| Noninterest expense to average assets | 4.4027% | 223 |
| Loan and lease loss provision to assets | 0.5212% | 106 |
| Net operating income to assets | 2.2424% | 227 |
| Return on assets (ROA) | 2.2424% | 236 |
| Pretax return on assets | 2.9024% | 159 |
| Return on Equity (ROE) | 25.7977% | 107 |
| Retained earnings to average equity (ytd only) | 21.2888% | 45 |
| Net charge-offs to loans | 0.5576% | 146 |
| Credit loss provision to net charge-offs | 125.3534% | 1,617 |
| Earnings coverage of net charge-offs (x) | 8.2334% | 2,309 |
| Efficiency ratio | 56.2551% | 3,675 |
| Assets per employee ($millions) | 3.9855% | 4,428 |
| Cash dividends to net income (ytd only)* | 17.4776% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 998 |
| Loan loss allowance to noncurrent loans | 434.5054% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 1,690 |
| Noncurrent loans to loans | 0.3967% | 2,169 |
| Net loans and leases to total assets | 69.4189% | 1,108 |
| Net loans and leases to deposits | 76.8903% | 1,498 |
| Net loans and leases to core deposits | 81.7355% | 1,483 |
| Total domestic deposits to total assets | 90.2830% | 825 |
| Equity capital to assets | 8.9599% | 3,664 |
| Core capital (leverage) ratio | 9.0317% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8286% | 2,309 |
| Memoranda: | ||
| Average total assets | $1,275,790,800 | 779 |
| Average earning assets | $1,181,897,400 | 788 |
| Average equity | $110,893,800 | 939 |
| Average total loans | $951,429,800 | 686 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4274% | 35 |
| Cost of funding earning assets | 0.2501% | 3,125 |
| Net interest margin | 7.1774% | 30 |
| Noninterest income to average assets | 1.3731% | 627 |
| Noninterest expense to average assets | 4.4188% | 222 |
| Loan and lease loss provision to assets | 0.6119% | 81 |
| Net operating income to assets | 2.2761% | 281 |
| Return on assets (ROA) | 2.2761% | 297 |
| Pretax return on assets | 2.9671% | 179 |
| Return on Equity (ROE) | 26.4169% | 142 |
| Retained earnings to average equity (ytd only) | 21.4333% | 93 |
| Net charge-offs to loans | 0.4820% | 157 |
| Credit loss provision to net charge-offs | 167.6964% | 1,291 |
| Earnings coverage of net charge-offs (x) | 9.8088% | 2,063 |
| Efficiency ratio | 55.2501% | 3,627 |
| Assets per employee ($millions) | 4.0590% | 4,413 |
| Cash dividends to net income (ytd only)* | 18.8653% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 840 |
| Loan loss allowance to noncurrent loans | 414.0671% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 1,911 |
| Noncurrent loans to loans | 0.4474% | 2,219 |
| Net loans and leases to total assets | 69.8123% | 1,092 |
| Net loans and leases to deposits | 77.3418% | 1,540 |
| Net loans and leases to core deposits | 82.2620% | 1,554 |
| Total domestic deposits to total assets | 90.2647% | 650 |
| Equity capital to assets | 8.4356% | 4,254 |
| Core capital (leverage) ratio | 8.7774% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9371% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,242,025,000 | 811 |
| Average earning assets | $1,146,390,000 | 817 |
| Average equity | $107,014,500 | 971 |
| Average total loans | $940,143,250 | 711 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4120% | 35 |
| Cost of funding earning assets | 0.2685% | 3,101 |
| Net interest margin | 7.1435% | 31 |
| Noninterest income to average assets | 1.3725% | 629 |
| Noninterest expense to average assets | 4.5147% | 216 |
| Loan and lease loss provision to assets | 0.7015% | 60 |
| Net operating income to assets | 2.1039% | 403 |
| Return on assets (ROA) | 2.1039% | 424 |
| Pretax return on assets | 2.7472% | 246 |
| Return on Equity (ROE) | 24.2243% | 223 |
| Retained earnings to average equity (ytd only) | 18.4548% | 208 |
| Net charge-offs to loans | 0.5153% | 155 |
| Credit loss provision to net charge-offs | 175.8058% | 1,105 |
| Earnings coverage of net charge-offs (x) | 8.6425% | 1,873 |
| Efficiency ratio | 56.6931% | 3,448 |
| Assets per employee ($millions) | 3.7960% | 4,550 |
| Cash dividends to net income (ytd only)* | 23.8171% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 821 |
| Loan loss allowance to noncurrent loans | 374.4852% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 2,022 |
| Noncurrent loans to loans | 0.4924% | 2,205 |
| Net loans and leases to total assets | 73.6273% | 799 |
| Net loans and leases to deposits | 81.4886% | 1,275 |
| Net loans and leases to core deposits | 87.0621% | 1,341 |
| Total domestic deposits to total assets | 90.3529% | 621 |
| Equity capital to assets | 8.5012% | 4,200 |
| Core capital (leverage) ratio | 8.7129% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8254% | 2,767 |
| Memoranda: | ||
| Average total assets | $1,197,368,000 | 833 |
| Average earning assets | $1,104,747,000 | 833 |
| Average equity | $103,994,667 | 987 |
| Average total loans | $927,275,333 | 725 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3588% | 39 |
| Cost of funding earning assets | 0.2967% | 3,030 |
| Net interest margin | 7.0622% | 32 |
| Noninterest income to average assets | 1.4563% | 638 |
| Noninterest expense to average assets | 4.3553% | 225 |
| Loan and lease loss provision to assets | 0.8288% | 58 |
| Net operating income to assets | 2.1324% | 461 |
| Return on assets (ROA) | 2.1324% | 502 |
| Pretax return on assets | 2.7992% | 302 |
| Return on Equity (ROE) | 24.2687% | 284 |
| Retained earnings to average equity (ytd only) | 20.3386% | 257 |
| Net charge-offs to loans | 0.5378% | 149 |
| Credit loss provision to net charge-offs | 195.5990% | 894 |
| Earnings coverage of net charge-offs (x) | 8.5623% | 1,574 |
| Efficiency ratio | 54.5549% | 3,728 |
| Assets per employee ($millions) | 3.7518% | 4,605 |
| Cash dividends to net income (ytd only)* | 16.1943% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 841 |
| Loan loss allowance to noncurrent loans | 295.2596% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 1,810 |
| Noncurrent loans to loans | 0.6168% | 2,026 |
| Net loans and leases to total assets | 75.8806% | 638 |
| Net loans and leases to deposits | 83.9688% | 1,148 |
| Net loans and leases to core deposits | 89.7814% | 1,246 |
| Total domestic deposits to total assets | 90.3676% | 635 |
| Equity capital to assets | 8.5940% | 4,052 |
| Core capital (leverage) ratio | 9.0035% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1449% | 2,609 |
| Memoranda: | ||
| Average total assets | $1,158,316,000 | 847 |
| Average earning assets | $1,070,548,500 | 847 |
| Average equity | $101,777,000 | 999 |
| Average total loans | $912,544,000 | 728 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5734% | 31 |
| Cost of funding earning assets | 0.6641% | 1,902 |
| Net interest margin | 6.9093% | 27 |
| Noninterest income to average assets | 1.1931% | 782 |
| Noninterest expense to average assets | 4.6274% | 233 |
| Loan and lease loss provision to assets | 0.9072% | 123 |
| Net operating income to assets | 1.5260% | 753 |
| Return on assets (ROA) | 1.5260% | 820 |
| Pretax return on assets | 1.9639% | 491 |
| Return on Equity (ROE) | 17.5359% | 368 |
| Retained earnings to average equity (ytd only) | 13.0920% | 235 |
| Net charge-offs to loans | 0.8464% | 167 |
| Credit loss provision to net charge-offs | 135.5729% | 2,515 |
| Earnings coverage of net charge-offs (x) | 4.2907% | 3,001 |
| Efficiency ratio | 61.7112% | 3,186 |
| Assets per employee ($millions) | 3.3900% | 4,693 |
| Cash dividends to net income (ytd only)* | 25.3421% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 891 |
| Loan loss allowance to noncurrent loans | 250.3321% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 1,586 |
| Noncurrent loans to loans | 0.7095% | 1,920 |
| Net loans and leases to total assets | 78.9819% | 505 |
| Net loans and leases to deposits | 87.8962% | 1,097 |
| Net loans and leases to core deposits | 95.5705% | 1,149 |
| Total domestic deposits to total assets | 89.8582% | 620 |
| Equity capital to assets | 8.9965% | 4,055 |
| Core capital (leverage) ratio | 8.6723% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1645% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,034,308,600 | 854 |
| Average earning assets | $943,921,400 | 859 |
| Average equity | $90,009,400 | 1,057 |
| Average total loans | $817,728,400 | 771 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5210% | 32 |
| Cost of funding earning assets | 0.7207% | 1,903 |
| Net interest margin | 6.8003% | 28 |
| Noninterest income to average assets | 1.2102% | 737 |
| Noninterest expense to average assets | 4.6517% | 227 |
| Loan and lease loss provision to assets | 0.9713% | 155 |
| Net operating income to assets | 1.3977% | 1,108 |
| Return on assets (ROA) | 1.3977% | 1,204 |
| Pretax return on assets | 1.7761% | 820 |
| Return on Equity (ROE) | 16.2104% | 526 |
| Retained earnings to average equity (ytd only) | 11.6433% | 480 |
| Net charge-offs to loans | 0.8260% | 163 |
| Credit loss provision to net charge-offs | 149.4346% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.2268% | 2,841 |
| Efficiency ratio | 62.8679% | 2,934 |
| Assets per employee ($millions) | 3.6647% | 4,571 |
| Cash dividends to net income (ytd only)* | 28.1743% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 738 |
| Loan loss allowance to noncurrent loans | 231.2765% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 1,790 |
| Noncurrent loans to loans | 0.7748% | 1,880 |
| Net loans and leases to total assets | 74.8550% | 1,260 |
| Net loans and leases to deposits | 82.6339% | 2,048 |
| Net loans and leases to core deposits | 93.1468% | 1,698 |
| Total domestic deposits to total assets | 90.5863% | 263 |
| Equity capital to assets | 7.9120% | 4,742 |
| Core capital (leverage) ratio | 7.8880% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6419% | 2,747 |
| Memoranda: | ||
| Average total assets | $1,015,751,000 | 856 |
| Average earning assets | $924,430,500 | 870 |
| Average equity | $87,579,250 | 1,072 |
| Average total loans | $799,316,500 | 779 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6264% | 38 |
| Cost of funding earning assets | 0.7805% | 1,930 |
| Net interest margin | 6.8460% | 36 |
| Noninterest income to average assets | 1.1911% | 705 |
| Noninterest expense to average assets | 4.5976% | 241 |
| Loan and lease loss provision to assets | 1.0327% | 193 |
| Net operating income to assets | 1.3398% | 1,246 |
| Return on assets (ROA) | 1.3398% | 1,344 |
| Pretax return on assets | 1.7440% | 904 |
| Return on Equity (ROE) | 15.0456% | 701 |
| Retained earnings to average equity (ytd only) | 10.4069% | 709 |
| Net charge-offs to loans | 0.9630% | 156 |
| Credit loss provision to net charge-offs | 134.5895% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.6188% | 2,666 |
| Efficiency ratio | 62.3460% | 3,068 |
| Assets per employee ($millions) | 3.6286% | 4,588 |
| Cash dividends to net income (ytd only)* | 30.8309% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 794 |
| Loan loss allowance to noncurrent loans | 209.4925% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 1,747 |
| Noncurrent loans to loans | 0.8173% | 1,860 |
| Net loans and leases to total assets | 75.2746% | 1,236 |
| Net loans and leases to deposits | 83.0452% | 2,091 |
| Net loans and leases to core deposits | 94.0347% | 1,735 |
| Total domestic deposits to total assets | 90.6429% | 239 |
| Equity capital to assets | 7.9251% | 4,756 |
| Core capital (leverage) ratio | 8.2458% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5504% | 2,791 |
| Memoranda: | ||
| Average total assets | $968,321,667 | 880 |
| Average earning assets | $874,589,000 | 892 |
| Average equity | $86,231,000 | 1,075 |
| Average total loans | $771,533,000 | 796 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2783% | 36 |
| Cost of funding earning assets | 0.8531% | 2,100 |
| Net interest margin | 7.4252% | 33 |
| Noninterest income to average assets | 1.3441% | 496 |
| Noninterest expense to average assets | 4.8469% | 243 |
| Loan and lease loss provision to assets | 1.1637% | 165 |
| Net operating income to assets | 1.4927% | 798 |
| Return on assets (ROA) | 1.4927% | 873 |
| Pretax return on assets | 1.9483% | 514 |
| Return on Equity (ROE) | 15.6828% | 464 |
| Retained earnings to average equity (ytd only) | 10.9803% | 569 |
| Net charge-offs to loans | 1.3464% | 110 |
| Credit loss provision to net charge-offs | 105.9063% | 1,782 |
| Earnings coverage of net charge-offs (x) | 2.8322% | 2,251 |
| Efficiency ratio | 60.8987% | 3,629 |
| Assets per employee ($millions) | 3.0361% | 4,777 |
| Cash dividends to net income (ytd only)* | 29.9850% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 671 |
| Loan loss allowance to noncurrent loans | 171.2150% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 1,334 |
| Noncurrent loans to loans | 1.0751% | 1,548 |
| Net loans and leases to total assets | 79.1233% | 804 |
| Net loans and leases to deposits | 88.5683% | 1,683 |
| Net loans and leases to core deposits | 97.8934% | 1,638 |
| Total domestic deposits to total assets | 89.3359% | 535 |
| Equity capital to assets | 9.4998% | 4,219 |
| Core capital (leverage) ratio | 9.6900% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6400% | 2,868 |
| Memoranda: | ||
| Average total assets | $893,685,500 | 914 |
| Average earning assets | $796,150,000 | 948 |
| Average equity | $85,061,500 | 1,084 |
| Average total loans | $729,340,500 | 813 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4733% | 39 |
| Cost of funding earning assets | 0.9230% | 2,096 |
| Net interest margin | 7.5503% | 33 |
| Noninterest income to average assets | 1.4364% | 454 |
| Noninterest expense to average assets | 5.0178% | 213 |
| Loan and lease loss provision to assets | 1.2456% | 72 |
| Net operating income to assets | 1.5190% | 1,006 |
| Return on assets (ROA) | 1.5190% | 1,070 |
| Pretax return on assets | 1.9558% | 655 |
| Return on Equity (ROE) | 15.9287% | 546 |
| Retained earnings to average equity (ytd only) | 10.6660% | 376 |
| Net charge-offs to loans | 1.2458% | 124 |
| Credit loss provision to net charge-offs | 119.1716% | 2,123 |
| Earnings coverage of net charge-offs (x) | 3.0629% | 3,360 |
| Efficiency ratio | 61.0502% | 3,528 |
| Assets per employee ($millions) | 3.0225% | 4,818 |
| Cash dividends to net income (ytd only)* | 33.0388% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 607 |
| Loan loss allowance to noncurrent loans | 190.4416% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 1,398 |
| Noncurrent loans to loans | 0.9690% | 1,579 |
| Net loans and leases to total assets | 81.1279% | 658 |
| Net loans and leases to deposits | 92.1249% | 1,355 |
| Net loans and leases to core deposits | 100.3845% | 1,531 |
| Total domestic deposits to total assets | 88.0630% | 1,104 |
| Equity capital to assets | 9.5370% | 4,320 |
| Core capital (leverage) ratio | 9.6381% | 3,917 |
| Tier 1 risk-based capital ratio | 11.2878% | 4,740 |
| Total risk-based capital ratio | 12.5449% | 4,623 |
| Memoranda: | ||
| Average total assets | $826,943,000 | 950 |
| Average earning assets | $742,872,800 | 969 |
| Average equity | $78,857,800 | 1,104 |
| Average total loans | $693,760,200 | 816 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4455% | 40 |
| Cost of funding earning assets | 0.9274% | 2,096 |
| Net interest margin | 7.5180% | 34 |
| Noninterest income to average assets | 1.4614% | 426 |
| Noninterest expense to average assets | 5.0157% | 210 |
| Loan and lease loss provision to assets | 1.2931% | 65 |
| Net operating income to assets | 1.5206% | 1,137 |
| Return on assets (ROA) | 1.5206% | 1,190 |
| Pretax return on assets | 1.9277% | 812 |
| Return on Equity (ROE) | 15.9467% | 613 |
| Retained earnings to average equity (ytd only) | 12.2561% | 356 |
| Net charge-offs to loans | 1.2531% | 113 |
| Credit loss provision to net charge-offs | 122.5186% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.0516% | 3,142 |
| Efficiency ratio | 60.8955% | 3,490 |
| Assets per employee ($millions) | 2.8903% | 4,940 |
| Cash dividends to net income (ytd only)* | 23.1432% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 621 |
| Loan loss allowance to noncurrent loans | 164.7147% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 1,358 |
| Noncurrent loans to loans | 1.1188% | 1,422 |
| Net loans and leases to total assets | 82.7982% | 487 |
| Net loans and leases to deposits | 92.6336% | 1,354 |
| Net loans and leases to core deposits | 101.3834% | 1,557 |
| Total domestic deposits to total assets | 89.3824% | 482 |
| Equity capital to assets | 9.7244% | 4,269 |
| Core capital (leverage) ratio | 9.6210% | 4,050 |
| Tier 1 risk-based capital ratio | 11.2812% | 4,771 |
| Total risk-based capital ratio | 12.5384% | 4,671 |
| Memoranda: | ||
| Average total assets | $814,545,250 | 961 |
| Average earning assets | $734,056,250 | 978 |
| Average equity | $77,673,500 | 1,115 |
| Average total loans | $686,079,500 | 822 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3832% | 42 |
| Cost of funding earning assets | 0.9215% | 2,045 |
| Net interest margin | 7.4617% | 34 |
| Noninterest income to average assets | 1.4390% | 425 |
| Noninterest expense to average assets | 5.0621% | 214 |
| Loan and lease loss provision to assets | 1.3686% | 64 |
| Net operating income to assets | 1.3501% | 1,575 |
| Return on assets (ROA) | 1.3501% | 1,640 |
| Pretax return on assets | 1.7401% | 1,186 |
| Return on Equity (ROE) | 14.2576% | 923 |
| Retained earnings to average equity (ytd only) | 10.5789% | 623 |
| Net charge-offs to loans | 1.3307% | 91 |
| Credit loss provision to net charge-offs | 122.1679% | 1,720 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 2,902 |
| Efficiency ratio | 61.9545% | 3,439 |
| Assets per employee ($millions) | 2.9061% | 4,963 |
| Cash dividends to net income (ytd only)* | 25.8017% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 671 |
| Loan loss allowance to noncurrent loans | 163.4096% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 1,340 |
| Noncurrent loans to loans | 1.1073% | 1,475 |
| Net loans and leases to total assets | 82.4056% | 548 |
| Net loans and leases to deposits | 91.7947% | 1,511 |
| Net loans and leases to core deposits | 100.0959% | 1,716 |
| Total domestic deposits to total assets | 89.7717% | 397 |
| Equity capital to assets | 9.4675% | 4,432 |
| Core capital (leverage) ratio | 9.5824% | 4,064 |
| Tier 1 risk-based capital ratio | 11.1275% | 4,858 |
| Total risk-based capital ratio | 12.3845% | 4,757 |
| Memoranda: | ||
| Average total assets | $803,770,000 | 975 |
| Average earning assets | $725,139,670 | 993 |
| Average equity | $76,113,670 | 1,127 |
| Average total loans | $676,653,330 | 834 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2282% | 43 |
| Cost of funding earning assets | 0.9285% | 1,887 |
| Net interest margin | 7.2997% | 34 |
| Noninterest income to average assets | 1.3766% | 451 |
| Noninterest expense to average assets | 5.0672% | 193 |
| Loan and lease loss provision to assets | 1.5752% | 49 |
| Net operating income to assets | 1.0315% | 2,740 |
| Return on assets (ROA) | 1.0315% | 2,777 |
| Pretax return on assets | 1.3176% | 2,385 |
| Return on Equity (ROE) | 10.8918% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.2091% | 1,590 |
| Net charge-offs to loans | 1.5698% | 75 |
| Credit loss provision to net charge-offs | 119.0019% | 1,419 |
| Earnings coverage of net charge-offs (x) | 2.1854% | 2,519 |
| Efficiency ratio | 63.6578% | 3,291 |
| Assets per employee ($millions) | 2.9324% | 5,009 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 698 |
| Loan loss allowance to noncurrent loans | 166.0365% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 1,378 |
| Noncurrent loans to loans | 1.0904% | 1,523 |
| Net loans and leases to total assets | 81.5080% | 645 |
| Net loans and leases to deposits | 90.6354% | 1,550 |
| Net loans and leases to core deposits | 99.4699% | 1,667 |
| Total domestic deposits to total assets | 89.9296% | 475 |
| Equity capital to assets | 9.4234% | 4,326 |
| Core capital (leverage) ratio | 9.4349% | 4,220 |
| Tier 1 risk-based capital ratio | 11.2882% | 4,849 |
| Total risk-based capital ratio | 12.5453% | 4,752 |
| Memoranda: | ||
| Average total assets | $787,180,000 | 987 |
| Average earning assets | $709,946,000 | 1,006 |
| Average equity | $74,551,500 | 1,142 |
| Average total loans | $663,778,000 | 850 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3417% | 38 |
| Cost of funding earning assets | 0.6048% | 2,680 |
| Net interest margin | 7.7370% | 30 |
| Noninterest income to average assets | 1.3591% | 494 |
| Noninterest expense to average assets | 5.0985% | 195 |
| Loan and lease loss provision to assets | 1.2263% | 59 |
| Net operating income to assets | 1.5393% | 1,020 |
| Return on assets (ROA) | 1.5384% | 1,015 |
| Pretax return on assets | 1.9606% | 611 |
| Return on Equity (ROE) | 16.3167% | 563 |
| Retained earnings to average equity (ytd only) | 13.0836% | 227 |
| Net charge-offs to loans | 1.1273% | 124 |
| Credit loss provision to net charge-offs | 130.3771% | 2,027 |
| Earnings coverage of net charge-offs (x) | 3.3895% | 3,416 |
| Efficiency ratio | 61.5277% | 3,620 |
| Assets per employee ($millions) | 2.7612% | 5,109 |
| Cash dividends to net income (ytd only)* | 19.8145% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 691 |
| Loan loss allowance to noncurrent loans | 154.6547% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0505% | 1,297 |
| Noncurrent loans to loans | 1.1592% | 1,389 |
| Net loans and leases to total assets | 84.1858% | 399 |
| Net loans and leases to deposits | 93.9959% | 1,286 |
| Net loans and leases to core deposits | 102.6614% | 1,528 |
| Total domestic deposits to total assets | 89.5633% | 635 |
| Equity capital to assets | 9.5211% | 4,112 |
| Core capital (leverage) ratio | 9.4386% | 4,188 |
| Tier 1 risk-based capital ratio | 11.0410% | 4,960 |
| Total risk-based capital ratio | 12.2978% | 4,847 |
| Memoranda: | ||
| Average total assets | $721,706,000 | 1,029 |
| Average earning assets | $646,183,800 | 1,056 |
| Average equity | $68,046,800 | 1,188 |
| Average total loans | $602,152,200 | 893 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2818% | 37 |
| Cost of funding earning assets | 0.5673% | 2,726 |
| Net interest margin | 7.7145% | 26 |
| Noninterest income to average assets | 1.3711% | 506 |
| Noninterest expense to average assets | 5.1117% | 189 |
| Loan and lease loss provision to assets | 1.1523% | 68 |
| Net operating income to assets | 1.5783% | 1,004 |
| Return on assets (ROA) | 1.5776% | 1,008 |
| Pretax return on assets | 2.0012% | 618 |
| Return on Equity (ROE) | 16.7762% | 574 |
| Retained earnings to average equity (ytd only) | 13.3890% | 316 |
| Net charge-offs to loans | 1.1325% | 124 |
| Credit loss provision to net charge-offs | 122.8526% | 1,959 |
| Earnings coverage of net charge-offs (x) | 3.3632% | 3,168 |
| Efficiency ratio | 61.8387% | 3,538 |
| Assets per employee ($millions) | 2.8015% | 5,152 |
| Cash dividends to net income (ytd only)* | 20.1900% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 836 |
| Loan loss allowance to noncurrent loans | 166.9606% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 1,579 |
| Noncurrent loans to loans | 1.0301% | 1,664 |
| Net loans and leases to total assets | 82.1562% | 687 |
| Net loans and leases to deposits | 92.0390% | 1,621 |
| Net loans and leases to core deposits | 100.8405% | 1,712 |
| Total domestic deposits to total assets | 89.2624% | 748 |
| Equity capital to assets | 9.3512% | 4,224 |
| Core capital (leverage) ratio | 9.3557% | 4,329 |
| Tier 1 risk-based capital ratio | 11.0443% | 5,014 |
| Total risk-based capital ratio | 12.3001% | 4,914 |
| Memoranda: | ||
| Average total assets | $711,610,500 | 1,043 |
| Average earning assets | $636,013,750 | 1,069 |
| Average equity | $66,918,750 | 1,204 |
| Average total loans | $589,369,750 | 910 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2665% | 35 |
| Cost of funding earning assets | 0.5246% | 2,803 |
| Net interest margin | 7.7419% | 28 |
| Noninterest income to average assets | 1.3728% | 503 |
| Noninterest expense to average assets | 5.1152% | 203 |
| Loan and lease loss provision to assets | 1.1023% | 68 |
| Net operating income to assets | 1.6252% | 866 |
| Return on assets (ROA) | 1.6245% | 868 |
| Pretax return on assets | 2.0674% | 516 |
| Return on Equity (ROE) | 17.2404% | 496 |
| Retained earnings to average equity (ytd only) | 13.8981% | 292 |
| Net charge-offs to loans | 1.0738% | 122 |
| Credit loss provision to net charge-offs | 124.3540% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.5769% | 2,865 |
| Efficiency ratio | 61.7346% | 3,660 |
| Assets per employee ($millions) | 2.7022% | 5,260 |
| Cash dividends to net income (ytd only)* | 19.3867% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 868 |
| Loan loss allowance to noncurrent loans | 169.0058% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 1,670 |
| Noncurrent loans to loans | 1.0193% | 1,729 |
| Net loans and leases to total assets | 79.8691% | 1,045 |
| Net loans and leases to deposits | 89.5155% | 1,909 |
| Net loans and leases to core deposits | 97.8299% | 1,903 |
| Total domestic deposits to total assets | 89.2238% | 843 |
| Equity capital to assets | 9.1746% | 4,403 |
| Core capital (leverage) ratio | 9.4446% | 4,185 |
| Tier 1 risk-based capital ratio | 11.0816% | 5,012 |
| Total risk-based capital ratio | 12.3372% | 4,902 |
| Memoranda: | ||
| Average total assets | $698,547,330 | 1,063 |
| Average earning assets | $623,746,000 | 1,086 |
| Average equity | $65,822,000 | 1,222 |
| Average total loans | $576,618,670 | 931 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2908% | 31 |
| Cost of funding earning assets | 0.4801% | 2,959 |
| Net interest margin | 7.8106% | 27 |
| Noninterest income to average assets | 1.3368% | 524 |
| Noninterest expense to average assets | 5.1974% | 196 |
| Loan and lease loss provision to assets | 1.1238% | 73 |
| Net operating income to assets | 1.5771% | 905 |
| Return on assets (ROA) | 1.5757% | 916 |
| Pretax return on assets | 1.9992% | 570 |
| Return on Equity (ROE) | 16.4841% | 557 |
| Retained earnings to average equity (ytd only) | 12.7715% | 554 |
| Net charge-offs to loans | 1.0061% | 143 |
| Credit loss provision to net charge-offs | 134.1808% | 1,307 |
| Earnings coverage of net charge-offs (x) | 3.7309% | 2,360 |
| Efficiency ratio | 62.4520% | 3,708 |
| Assets per employee ($millions) | 2.5855% | 5,371 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 856 |
| Loan loss allowance to noncurrent loans | 186.1499% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 1,757 |
| Noncurrent loans to loans | 0.9438% | 1,937 |
| Net loans and leases to total assets | 81.4788% | 730 |
| Net loans and leases to deposits | 90.6064% | 1,615 |
| Net loans and leases to core deposits | 98.4579% | 1,808 |
| Total domestic deposits to total assets | 89.9261% | 691 |
| Equity capital to assets | 9.4403% | 4,142 |
| Core capital (leverage) ratio | 9.5688% | 3,993 |
| Tier 1 risk-based capital ratio | 11.1581% | 5,050 |
| Total risk-based capital ratio | 12.4140% | 4,946 |
| Memoranda: | ||
| Average total assets | $676,262,500 | 1,098 |
| Average earning assets | $604,817,500 | 1,123 |
| Average equity | $64,644,000 | 1,246 |
| Average total loans | $562,965,500 | 951 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1671% | 36 |
| Cost of funding earning assets | 0.3887% | 3,344 |
| Net interest margin | 7.7783% | 27 |
| Noninterest income to average assets | 1.4365% | 515 |
| Noninterest expense to average assets | 5.1451% | 202 |
| Loan and lease loss provision to assets | 1.2900% | 70 |
| Net operating income to assets | 1.2227% | 1,448 |
| Return on assets (ROA) | 1.2227% | 1,473 |
| Pretax return on assets | 1.9204% | 579 |
| Return on Equity (ROE) | 13.1160% | 929 |
| Retained earnings to average equity (ytd only) | 8.8970% | 526 |
| Net charge-offs to loans | 1.4478% | 109 |
| Credit loss provision to net charge-offs | 109.7137% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.7304% | 3,715 |
| Efficiency ratio | 61.5767% | 4,006 |
| Assets per employee ($millions) | 2.5665% | 5,435 |
| Cash dividends to net income (ytd only)* | 32.1668% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 844 |
| Loan loss allowance to noncurrent loans | 192.7687% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 1,766 |
| Noncurrent loans to loans | 0.9117% | 1,964 |
| Net loans and leases to total assets | 82.1068% | 669 |
| Net loans and leases to deposits | 91.3582% | 1,606 |
| Net loans and leases to core deposits | 99.5477% | 1,749 |
| Total domestic deposits to total assets | 89.8734% | 610 |
| Equity capital to assets | 9.6847% | 4,048 |
| Core capital (leverage) ratio | 9.5613% | 3,961 |
| Tier 1 risk-based capital ratio | 11.3501% | 4,947 |
| Total risk-based capital ratio | 12.6066% | 4,822 |
| Memoranda: | ||
| Average total assets | $635,637,000 | 1,139 |
| Average earning assets | $565,416,800 | 1,170 |
| Average equity | $59,256,000 | 1,323 |
| Average total loans | $516,236,600 | 990 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0292% | 38 |
| Cost of funding earning assets | 0.3881% | 3,305 |
| Net interest margin | 7.6411% | 32 |
| Noninterest income to average assets | 1.4291% | 526 |
| Noninterest expense to average assets | 5.1342% | 206 |
| Loan and lease loss provision to assets | 1.2269% | 79 |
| Net operating income to assets | 1.2548% | 1,493 |
| Return on assets (ROA) | 1.2548% | 1,520 |
| Pretax return on assets | 1.8727% | 739 |
| Return on Equity (ROE) | 13.5983% | 912 |
| Retained earnings to average equity (ytd only) | 8.7270% | 935 |
| Net charge-offs to loans | 1.4017% | 114 |
| Credit loss provision to net charge-offs | 108.5939% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.7435% | 3,429 |
| Efficiency ratio | 62.3548% | 3,831 |
| Assets per employee ($millions) | 2.5651% | 5,498 |
| Cash dividends to net income (ytd only)* | 35.8226% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 944 |
| Loan loss allowance to noncurrent loans | 147.3461% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,542 |
| Noncurrent loans to loans | 1.1876% | 1,615 |
| Net loans and leases to total assets | 79.9158% | 995 |
| Net loans and leases to deposits | 89.1661% | 1,910 |
| Net loans and leases to core deposits | 97.2466% | 1,951 |
| Total domestic deposits to total assets | 89.6258% | 608 |
| Equity capital to assets | 9.2661% | 4,670 |
| Core capital (leverage) ratio | 9.5280% | 4,127 |
| Tier 1 risk-based capital ratio | 11.0530% | 5,212 |
| Total risk-based capital ratio | 12.3093% | 5,103 |
| Memoranda: | ||
| Average total assets | $630,292,750 | 1,152 |
| Average earning assets | $561,304,750 | 1,189 |
| Average equity | $58,162,500 | 1,364 |
| Average total loans | $508,020,000 | 1,007 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9958% | 40 |
| Cost of funding earning assets | 0.3920% | 3,148 |
| Net interest margin | 7.6039% | 33 |
| Noninterest income to average assets | 1.4130% | 542 |
| Noninterest expense to average assets | 5.1175% | 207 |
| Loan and lease loss provision to assets | 1.1601% | 85 |
| Net operating income to assets | 1.2687% | 1,377 |
| Return on assets (ROA) | 1.2687% | 1,409 |
| Pretax return on assets | 1.8871% | 682 |
| Return on Equity (ROE) | 13.7685% | 857 |
| Retained earnings to average equity (ytd only) | 7.3861% | 1,406 |
| Net charge-offs to loans | 1.2980% | 147 |
| Credit loss provision to net charge-offs | 111.2485% | 1,869 |
| Earnings coverage of net charge-offs (x) | 2.9221% | 3,106 |
| Efficiency ratio | 62.6791% | 3,872 |
| Assets per employee ($millions) | 2.4250% | 5,586 |
| Cash dividends to net income (ytd only)* | 46.3551% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8170% | 853 |
| Loan loss allowance to noncurrent loans | 149.5411% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 1,578 |
| Noncurrent loans to loans | 1.2150% | 1,603 |
| Net loans and leases to total assets | 80.5292% | 876 |
| Net loans and leases to deposits | 89.7490% | 1,764 |
| Net loans and leases to core deposits | 98.5251% | 1,763 |
| Total domestic deposits to total assets | 89.7272% | 632 |
| Equity capital to assets | 9.3376% | 4,577 |
| Core capital (leverage) ratio | 9.2795% | 4,383 |
| Tier 1 risk-based capital ratio | 11.0085% | 5,246 |
| Total risk-based capital ratio | 12.2654% | 5,143 |
| Memoranda: | ||
| Average total assets | $620,650,000 | 1,174 |
| Average earning assets | $551,089,000 | 1,213 |
| Average equity | $57,188,670 | 1,383 |
| Average total loans | $498,625,000 | 1,026 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8182% | 44 |
| Cost of funding earning assets | 0.3928% | 3,071 |
| Net interest margin | 7.4254% | 36 |
| Noninterest income to average assets | 1.3976% | 545 |
| Noninterest expense to average assets | 4.9774% | 235 |
| Loan and lease loss provision to assets | 1.1625% | 74 |
| Net operating income to assets | 1.2284% | 1,435 |
| Return on assets (ROA) | 1.2284% | 1,473 |
| Pretax return on assets | 1.8503% | 722 |
| Return on Equity (ROE) | 13.4214% | 920 |
| Retained earnings to average equity (ytd only) | 9.0111% | 1,077 |
| Net charge-offs to loans | 1.4031% | 120 |
| Credit loss provision to net charge-offs | 104.2270% | 1,523 |
| Earnings coverage of net charge-offs (x) | 2.7012% | 2,561 |
| Efficiency ratio | 62.2939% | 4,108 |
| Assets per employee ($millions) | 2.4813% | 5,626 |
| Cash dividends to net income (ytd only)* | 32.8601% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 923 |
| Loan loss allowance to noncurrent loans | 151.3373% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 1,599 |
| Noncurrent loans to loans | 1.2029% | 1,681 |
| Net loans and leases to total assets | 77.9078% | 1,149 |
| Net loans and leases to deposits | 86.4822% | 1,979 |
| Net loans and leases to core deposits | 94.5671% | 1,927 |
| Total domestic deposits to total assets | 90.0854% | 621 |
| Equity capital to assets | 9.2062% | 4,611 |
| Core capital (leverage) ratio | 9.2894% | 4,361 |
| Tier 1 risk-based capital ratio | 11.3173% | 5,131 |
| Total risk-based capital ratio | 12.5746% | 5,034 |
| Memoranda: | ||
| Average total assets | $619,357,000 | 1,173 |
| Average earning assets | $549,898,500 | 1,211 |
| Average equity | $56,685,500 | 1,387 |
| Average total loans | $492,350,000 | 1,036 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2609% | 36 |
| Cost of funding earning assets | 0.3961% | 3,038 |
| Net interest margin | 7.8648% | 32 |
| Noninterest income to average assets | 1.4712% | 540 |
| Noninterest expense to average assets | 5.2941% | 226 |
| Loan and lease loss provision to assets | 1.5233% | 59 |
| Net operating income to assets | 1.1276% | 1,787 |
| Return on assets (ROA) | 1.1276% | 1,875 |
| Pretax return on assets | 1.6804% | 1,050 |
| Return on Equity (ROE) | 12.0785% | 1,222 |
| Retained earnings to average equity (ytd only) | 10.3174% | 369 |
| Net charge-offs to loans | 1.1518% | 154 |
| Credit loss provision to net charge-offs | 162.4953% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.4175% | 3,671 |
| Efficiency ratio | 62.2992% | 4,201 |
| Assets per employee ($millions) | 2.5242% | 5,650 |
| Cash dividends to net income (ytd only)* | 14.5807% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 920 |
| Loan loss allowance to noncurrent loans | 147.9934% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 1,481 |
| Noncurrent loans to loans | 1.2294% | 1,669 |
| Net loans and leases to total assets | 78.1877% | 1,175 |
| Net loans and leases to deposits | 87.1968% | 2,024 |
| Net loans and leases to core deposits | 95.5371% | 1,965 |
| Total domestic deposits to total assets | 89.6681% | 782 |
| Equity capital to assets | 9.0978% | 4,711 |
| Core capital (leverage) ratio | 9.3347% | 4,311 |
| Tier 1 risk-based capital ratio | 10.9918% | 5,351 |
| Total risk-based capital ratio | 12.2491% | 5,240 |
| Memoranda: | ||
| Average total assets | $562,587,600 | 1,240 |
| Average earning assets | $502,633,400 | 1,273 |
| Average equity | $52,523,000 | 1,463 |
| Average total loans | $457,907,000 | 1,064 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3435% | 37 |
| Cost of funding earning assets | 0.3904% | 3,123 |
| Net interest margin | 7.9531% | 31 |
| Noninterest income to average assets | 1.5004% | 534 |
| Noninterest expense to average assets | 5.4215% | 215 |
| Loan and lease loss provision to assets | 1.4735% | 62 |
| Net operating income to assets | 1.1591% | 1,770 |
| Return on assets (ROA) | 1.1591% | 1,873 |
| Pretax return on assets | 1.7266% | 1,045 |
| Return on Equity (ROE) | 12.3273% | 1,219 |
| Retained earnings to average equity (ytd only) | 10.7138% | 456 |
| Net charge-offs to loans | 1.0808% | 150 |
| Credit loss provision to net charge-offs | 166.4838% | 1,665 |
| Earnings coverage of net charge-offs (x) | 3.6157% | 3,383 |
| Efficiency ratio | 62.8826% | 4,090 |
| Assets per employee ($millions) | 2.3576% | 5,788 |
| Cash dividends to net income (ytd only)* | 13.0890% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,239 |
| Loan loss allowance to noncurrent loans | 156.8979% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 1,747 |
| Noncurrent loans to loans | 1.0770% | 2,098 |
| Net loans and leases to total assets | 80.1218% | 873 |
| Net loans and leases to deposits | 89.4521% | 1,827 |
| Net loans and leases to core deposits | 98.1331% | 1,798 |
| Total domestic deposits to total assets | 89.5695% | 641 |
| Equity capital to assets | 9.2208% | 4,955 |
| Core capital (leverage) ratio | 9.4077% | 4,317 |
| Tier 1 risk-based capital ratio | 10.9790% | 5,381 |
| Total risk-based capital ratio | 12.2349% | 5,291 |
| Memoranda: | ||
| Average total assets | $549,260,500 | 1,262 |
| Average earning assets | $491,804,000 | 1,295 |
| Average equity | $51,645,500 | 1,488 |
| Average total loans | $449,764,000 | 1,083 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3921% | 34 |
| Cost of funding earning assets | 0.3834% | 3,228 |
| Net interest margin | 8.0087% | 31 |
| Noninterest income to average assets | 1.5510% | 506 |
| Noninterest expense to average assets | 5.4978% | 209 |
| Loan and lease loss provision to assets | 1.5332% | 59 |
| Net operating income to assets | 1.1395% | 1,810 |
| Return on assets (ROA) | 1.1395% | 1,927 |
| Pretax return on assets | 1.6947% | 1,105 |
| Return on Equity (ROE) | 12.0339% | 1,308 |
| Retained earnings to average equity (ytd only) | 10.8549% | 456 |
| Net charge-offs to loans | 1.1419% | 153 |
| Credit loss provision to net charge-offs | 163.6869% | 1,502 |
| Earnings coverage of net charge-offs (x) | 3.4462% | 3,107 |
| Efficiency ratio | 63.0075% | 4,175 |
| Assets per employee ($millions) | 2.2756% | 5,869 |
| Cash dividends to net income (ytd only)* | 9.7975% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,574 |
| Loan loss allowance to noncurrent loans | 125.3206% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 1,433 |
| Noncurrent loans to loans | 1.2631% | 1,809 |
| Net loans and leases to total assets | 80.6371% | 804 |
| Net loans and leases to deposits | 90.0198% | 1,751 |
| Net loans and leases to core deposits | 98.8659% | 1,735 |
| Total domestic deposits to total assets | 89.5770% | 646 |
| Equity capital to assets | 9.4241% | 4,847 |
| Core capital (leverage) ratio | 9.5109% | 4,194 |
| Tier 1 risk-based capital ratio | 11.3770% | 5,232 |
| Total risk-based capital ratio | 12.6319% | 5,121 |
| Memoranda: | ||
| Average total assets | $537,450,670 | 1,292 |
| Average earning assets | $481,474,330 | 1,324 |
| Average equity | $50,889,670 | 1,511 |
| Average total loans | $440,846,670 | 1,110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3477% | 36 |
| Cost of funding earning assets | 0.3784% | 3,313 |
| Net interest margin | 7.9694% | 33 |
| Noninterest income to average assets | 1.4979% | 503 |
| Noninterest expense to average assets | 5.5660% | 209 |
| Loan and lease loss provision to assets | 2.0477% | 37 |
| Net operating income to assets | 0.7068% | 3,681 |
| Return on assets (ROA) | 0.7068% | 3,797 |
| Pretax return on assets | 1.0246% | 3,389 |
| Return on Equity (ROE) | 7.4465% | 3,215 |
| Retained earnings to average equity (ytd only) | 5.0495% | 2,908 |
| Net charge-offs to loans | 1.2345% | 147 |
| Credit loss provision to net charge-offs | 202.0958% | 1,071 |
| Earnings coverage of net charge-offs (x) | 3.0322% | 2,597 |
| Efficiency ratio | 64.4337% | 4,055 |
| Assets per employee ($millions) | 2.3075% | 5,924 |
| Cash dividends to net income (ytd only)* | 32.1888% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 1,735 |
| Loan loss allowance to noncurrent loans | 102.0879% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 1,152 |
| Noncurrent loans to loans | 1.5326% | 1,520 |
| Net loans and leases to total assets | 81.4681% | 634 |
| Net loans and leases to deposits | 90.6821% | 1,496 |
| Net loans and leases to core deposits | 98.5925% | 1,593 |
| Total domestic deposits to total assets | 89.8392% | 659 |
| Equity capital to assets | 9.3318% | 4,858 |
| Core capital (leverage) ratio | 9.4525% | 4,272 |
| Tier 1 risk-based capital ratio | 11.1417% | 5,428 |
| Total risk-based capital ratio | 12.3964% | 5,335 |
| Memoranda: | ||
| Average total assets | $527,416,500 | 1,321 |
| Average earning assets | $472,558,500 | 1,343 |
| Average equity | $50,064,000 | 1,528 |
| Average total loans | $432,871,000 | 1,123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9333% | 41 |
| Cost of funding earning assets | 0.3990% | 3,176 |
| Net interest margin | 7.5343% | 36 |
| Noninterest income to average assets | 1.4575% | 576 |
| Noninterest expense to average assets | 5.3281% | 223 |
| Loan and lease loss provision to assets | 0.8841% | 100 |
| Net operating income to assets | 1.3835% | 1,070 |
| Return on assets (ROA) | 1.3836% | 1,116 |
| Pretax return on assets | 2.0057% | 530 |
| Return on Equity (ROE) | 14.8993% | 701 |
| Retained earnings to average equity (ytd only) | 13.4100% | 189 |
| Net charge-offs to loans | 1.3683% | 121 |
| Credit loss provision to net charge-offs | 83.0858% | 2,897 |
| Earnings coverage of net charge-offs (x) | 2.7156% | 3,843 |
| Efficiency ratio | 64.8363% | 4,109 |
| Assets per employee ($millions) | 2.1910% | 6,000 |
| Cash dividends to net income (ytd only)* | 9.9957% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,695 |
| Loan loss allowance to noncurrent loans | 52.8054% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.5808% | 585 |
| Noncurrent loans to loans | 2.5445% | 709 |
| Net loans and leases to total assets | 80.2581% | 811 |
| Net loans and leases to deposits | 89.5613% | 1,676 |
| Net loans and leases to core deposits | 97.7884% | 1,690 |
| Total domestic deposits to total assets | 89.6124% | 793 |
| Equity capital to assets | 9.6606% | 4,356 |
| Core capital (leverage) ratio | 9.5304% | 4,130 |
| Tier 1 risk-based capital ratio | 11.6798% | 5,143 |
| Total risk-based capital ratio | 12.9321% | 5,058 |
| Memoranda: | ||
| Average total assets | $506,146,600 | 1,327 |
| Average earning assets | $454,150,600 | 1,365 |
| Average equity | $47,002,200 | 1,572 |
| Average total loans | $393,624,000 | 1,173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8572% | 40 |
| Cost of funding earning assets | 0.4105% | 3,120 |
| Net interest margin | 7.4467% | 38 |
| Noninterest income to average assets | 1.4548% | 580 |
| Noninterest expense to average assets | 5.2394% | 240 |
| Loan and lease loss provision to assets | 0.7871% | 91 |
| Net operating income to assets | 1.4642% | 982 |
| Return on assets (ROA) | 1.4644% | 1,023 |
| Pretax return on assets | 2.1189% | 484 |
| Return on Equity (ROE) | 15.9331% | 600 |
| Retained earnings to average equity (ytd only) | 15.9331% | 129 |
| Net charge-offs to loans | 1.2899% | 125 |
| Credit loss provision to net charge-offs | 79.3969% | 2,620 |
| Earnings coverage of net charge-offs (x) | 2.9311% | 3,578 |
| Efficiency ratio | 64.3259% | 4,189 |
| Assets per employee ($millions) | 2.1789% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 2,389 |
| Loan loss allowance to noncurrent loans | 61.1040% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4146% | 735 |
| Noncurrent loans to loans | 2.3651% | 885 |
| Net loans and leases to total assets | 77.1357% | 1,233 |
| Net loans and leases to deposits | 86.4094% | 2,098 |
| Net loans and leases to core deposits | 94.6364% | 2,020 |
| Total domestic deposits to total assets | 89.2677% | 890 |
| Equity capital to assets | 9.6116% | 4,623 |
| Core capital (leverage) ratio | 9.4744% | 4,332 |
| Tier 1 risk-based capital ratio | 12.0094% | 5,081 |
| Total risk-based capital ratio | 13.2628% | 4,991 |
| Memoranda: | ||
| Average total assets | $503,962,250 | 1,337 |
| Average earning assets | $452,771,750 | 1,374 |
| Average equity | $46,317,500 | 1,605 |
| Average total loans | $387,314,000 | 1,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7615% | 43 |
| Cost of funding earning assets | 0.4270% | 2,962 |
| Net interest margin | 7.3345% | 40 |
| Noninterest income to average assets | 1.4630% | 594 |
| Noninterest expense to average assets | 5.1120% | 266 |
| Loan and lease loss provision to assets | 0.7171% | 118 |
| Net operating income to assets | 1.5646% | 805 |
| Return on assets (ROA) | 1.5646% | 833 |
| Pretax return on assets | 2.2243% | 397 |
| Return on Equity (ROE) | 17.2914% | 458 |
| Retained earnings to average equity (ytd only) | 17.2914% | 118 |
| Net charge-offs to loans | 1.4721% | 118 |
| Credit loss provision to net charge-offs | 63.7845% | 2,555 |
| Earnings coverage of net charge-offs (x) | 2.6162% | 3,312 |
| Efficiency ratio | 63.4758% | 4,431 |
| Assets per employee ($millions) | 2.1700% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 2,706 |
| Loan loss allowance to noncurrent loans | 53.5215% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.6546% | 683 |
| Noncurrent loans to loans | 2.6356% | 834 |
| Net loans and leases to total assets | 75.6138% | 1,418 |
| Net loans and leases to deposits | 84.2010% | 2,291 |
| Net loans and leases to core deposits | 92.3061% | 2,127 |
| Total domestic deposits to total assets | 89.8016% | 748 |
| Equity capital to assets | 9.2907% | 4,903 |
| Core capital (leverage) ratio | 9.1333% | 4,770 |
| Tier 1 risk-based capital ratio | 11.6440% | 5,377 |
| Total risk-based capital ratio | 12.8956% | 5,292 |
| Memoranda: | ||
| Average total assets | $501,994,670 | 1,353 |
| Average earning assets | $451,070,670 | 1,389 |
| Average equity | $45,421,330 | 1,637 |
| Average total loans | $383,400,330 | 1,202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7803% | 42 |
| Cost of funding earning assets | 0.3900% | 3,414 |
| Net interest margin | 7.3903% | 39 |
| Noninterest income to average assets | 1.4562% | 558 |
| Noninterest expense to average assets | 4.9878% | 293 |
| Loan and lease loss provision to assets | 0.7229% | 121 |
| Net operating income to assets | 1.5558% | 769 |
| Return on assets (ROA) | 1.5558% | 810 |
| Pretax return on assets | 2.3815% | 287 |
| Return on Equity (ROE) | 17.4336% | 436 |
| Retained earnings to average equity (ytd only) | 17.4336% | 163 |
| Net charge-offs to loans | 1.4417% | 134 |
| Credit loss provision to net charge-offs | 65.7895% | 1,951 |
| Earnings coverage of net charge-offs (x) | 2.8253% | 2,692 |
| Efficiency ratio | 61.6377% | 4,855 |
| Assets per employee ($millions) | 2.2696% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,051 |
| Loan loss allowance to noncurrent loans | 54.5463% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.0268% | 623 |
| Noncurrent loans to loans | 2.9327% | 759 |
| Net loans and leases to total assets | 73.7866% | 1,537 |
| Net loans and leases to deposits | 81.7785% | 2,364 |
| Net loans and leases to core deposits | 89.1794% | 2,210 |
| Total domestic deposits to total assets | 90.2275% | 638 |
| Equity capital to assets | 8.9737% | 5,326 |
| Core capital (leverage) ratio | 8.9989% | 4,956 |
| Tier 1 risk-based capital ratio | 11.4803% | 5,567 |
| Total risk-based capital ratio | 12.7339% | 5,479 |
| Memoranda: | ||
| Average total assets | $498,015,500 | 1,364 |
| Average earning assets | $447,179,500 | 1,408 |
| Average equity | $44,443,000 | 1,682 |
| Average total loans | $379,544,500 | 1,215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3059% | 41 |
| Cost of funding earning assets | 0.3834% | 3,867 |
| Net interest margin | 7.9224% | 38 |
| Noninterest income to average assets | 1.5101% | 537 |
| Noninterest expense to average assets | 5.5545% | 222 |
| Loan and lease loss provision to assets | 1.1356% | 86 |
| Net operating income to assets | 1.2519% | 1,426 |
| Return on assets (ROA) | 1.2560% | 1,474 |
| Pretax return on assets | 1.8899% | 657 |
| Return on Equity (ROE) | 14.6743% | 831 |
| Retained earnings to average equity (ytd only) | 14.6743% | 155 |
| Net charge-offs to loans | 1.7142% | 132 |
| Credit loss provision to net charge-offs | 86.7360% | 2,717 |
| Earnings coverage of net charge-offs (x) | 2.3061% | 4,193 |
| Efficiency ratio | 64.7854% | 4,440 |
| Assets per employee ($millions) | 2.1678% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 1,720 |
| Loan loss allowance to noncurrent loans | 61.4279% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 3.2058% | 601 |
| Noncurrent loans to loans | 2.8045% | 839 |
| Net loans and leases to total assets | 76.1424% | 1,244 |
| Net loans and leases to deposits | 84.1103% | 2,203 |
| Net loans and leases to core deposits | 91.8663% | 2,105 |
| Total domestic deposits to total assets | 90.5268% | 529 |
| Equity capital to assets | 8.8727% | 5,410 |
| Core capital (leverage) ratio | 8.8491% | 5,189 |
| Tier 1 risk-based capital ratio | 11.1872% | 5,824 |
| Total risk-based capital ratio | 12.4426% | 5,757 |
| Memoranda: | ||
| Average total assets | $477,382,200 | 1,400 |
| Average earning assets | $425,626,600 | 1,437 |
| Average equity | $40,860,600 | 1,749 |
| Average total loans | $364,598,600 | 1,217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3589% | 41 |
| Cost of funding earning assets | 0.3777% | 4,048 |
| Net interest margin | 7.9812% | 33 |
| Noninterest income to average assets | 1.5317% | 536 |
| Noninterest expense to average assets | 5.6419% | 212 |
| Loan and lease loss provision to assets | 0.8153% | 152 |
| Net operating income to assets | 1.4409% | 1,047 |
| Return on assets (ROA) | 1.4465% | 1,072 |
| Pretax return on assets | 2.1940% | 371 |
| Return on Equity (ROE) | 17.0606% | 540 |
| Retained earnings to average equity (ytd only) | 17.0606% | 139 |
| Net charge-offs to loans | 1.4909% | 162 |
| Credit loss provision to net charge-offs | 71.8711% | 2,737 |
| Earnings coverage of net charge-offs (x) | 2.6454% | 3,860 |
| Efficiency ratio | 65.2788% | 4,327 |
| Assets per employee ($millions) | 2.2119% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 2,113 |
| Loan loss allowance to noncurrent loans | 49.9079% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 3.9549% | 508 |
| Noncurrent loans to loans | 3.3182% | 748 |
| Net loans and leases to total assets | 76.0651% | 1,216 |
| Net loans and leases to deposits | 83.9407% | 2,157 |
| Net loans and leases to core deposits | 91.8030% | 2,051 |
| Total domestic deposits to total assets | 90.6176% | 486 |
| Equity capital to assets | 8.7646% | 5,578 |
| Core capital (leverage) ratio | 8.8110% | 5,323 |
| Tier 1 risk-based capital ratio | 10.9715% | 6,006 |
| Total risk-based capital ratio | 12.2261% | 5,951 |
| Memoranda: | ||
| Average total assets | $474,248,000 | 1,420 |
| Average earning assets | $422,551,000 | 1,458 |
| Average equity | $40,208,500 | 1,783 |
| Average total loans | $360,854,500 | 1,231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3951% | 38 |
| Cost of funding earning assets | 0.3718% | 4,185 |
| Net interest margin | 8.0232% | 34 |
| Noninterest income to average assets | 1.7157% | 442 |
| Noninterest expense to average assets | 5.7240% | 203 |
| Loan and lease loss provision to assets | 0.7615% | 172 |
| Net operating income to assets | 1.5575% | 780 |
| Return on assets (ROA) | 1.5660% | 797 |
| Pretax return on assets | 2.3849% | 261 |
| Return on Equity (ROE) | 18.6878% | 390 |
| Retained earnings to average equity (ytd only) | 18.6878% | 105 |
| Net charge-offs to loans | 1.2039% | 258 |
| Credit loss provision to net charge-offs | 83.6058% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.4404% | 3,308 |
| Efficiency ratio | 64.6223% | 4,592 |
| Assets per employee ($millions) | 2.1036% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,499 |
| Loan loss allowance to noncurrent loans | 51.1854% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 4.2779% | 470 |
| Noncurrent loans to loans | 3.7788% | 655 |
| Net loans and leases to total assets | 75.1662% | 1,284 |
| Net loans and leases to deposits | 82.8432% | 2,158 |
| Net loans and leases to core deposits | 90.4374% | 2,086 |
| Total domestic deposits to total assets | 90.7332% | 496 |
| Equity capital to assets | 8.6991% | 5,614 |
| Core capital (leverage) ratio | 8.6381% | 5,482 |
| Tier 1 risk-based capital ratio | 10.9915% | 6,053 |
| Total risk-based capital ratio | 12.2493% | 5,994 |
| Memoranda: | ||
| Average total assets | $470,125,670 | 1,426 |
| Average earning assets | $418,484,330 | 1,468 |
| Average equity | $39,394,670 | 1,799 |
| Average total loans | $355,680,330 | 1,238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2600% | 37 |
| Cost of funding earning assets | 0.3664% | 4,363 |
| Net interest margin | 7.8936% | 32 |
| Noninterest income to average assets | 2.1079% | 305 |
| Noninterest expense to average assets | 5.4408% | 250 |
| Loan and lease loss provision to assets | 0.9519% | 117 |
| Net operating income to assets | 1.8014% | 484 |
| Return on assets (ROA) | 1.8014% | 503 |
| Pretax return on assets | 2.7413% | 173 |
| Return on Equity (ROE) | 21.9192% | 201 |
| Retained earnings to average equity (ytd only) | 21.9192% | 89 |
| Net charge-offs to loans | 1.4745% | 216 |
| Credit loss provision to net charge-offs | 85.9014% | 1,837 |
| Earnings coverage of net charge-offs (x) | 3.3328% | 2,700 |
| Efficiency ratio | 59.5663% | 5,461 |
| Assets per employee ($millions) | 2.2496% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 1,448 |
| Loan loss allowance to noncurrent loans | 48.1343% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 4.6417% | 463 |
| Noncurrent loans to loans | 4.2295% | 608 |
| Net loans and leases to total assets | 72.4948% | 1,496 |
| Net loans and leases to deposits | 79.5050% | 2,368 |
| Net loans and leases to core deposits | 86.6991% | 2,241 |
| Total domestic deposits to total assets | 91.1827% | 493 |
| Equity capital to assets | 8.2986% | 5,826 |
| Core capital (leverage) ratio | 8.4478% | 5,704 |
| Tier 1 risk-based capital ratio | 10.9058% | 6,188 |
| Total risk-based capital ratio | 12.1648% | 6,143 |
| Memoranda: | ||
| Average total assets | $468,533,000 | 1,435 |
| Average earning assets | $417,044,500 | 1,479 |
| Average equity | $38,505,000 | 1,830 |
| Average total loans | $352,127,000 | 1,247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5652% | 37 |
| Cost of funding earning assets | 0.4814% | 3,804 |
| Net interest margin | 8.0838% | 34 |
| Noninterest income to average assets | 0.8925% | 1,706 |
| Noninterest expense to average assets | 5.3091% | 281 |
| Loan and lease loss provision to assets | 1.1801% | 140 |
| Net operating income to assets | 1.0141% | 2,269 |
| Return on assets (ROA) | 1.0145% | 2,329 |
| Pretax return on assets | 1.5113% | 1,410 |
| Return on Equity (ROE) | 13.0500% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.0500% | 242 |
| Net charge-offs to loans | 1.9453% | 199 |
| Credit loss provision to net charge-offs | 83.6951% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.9083% | 4,417 |
| Efficiency ratio | 66.3648% | 4,496 |
| Assets per employee ($millions) | 2.1705% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 1,339 |
| Loan loss allowance to noncurrent loans | 47.1582% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 5.0744% | 460 |
| Noncurrent loans to loans | 4.4471% | 602 |
| Net loans and leases to total assets | 74.7499% | 1,250 |
| Net loans and leases to deposits | 81.7986% | 2,204 |
| Net loans and leases to core deposits | 89.3188% | 2,104 |
| Total domestic deposits to total assets | 91.3829% | 445 |
| Equity capital to assets | 8.1349% | 5,916 |
| Core capital (leverage) ratio | 8.0614% | 6,087 |
| Tier 1 risk-based capital ratio | 10.2861% | 6,439 |
| Total risk-based capital ratio | 11.5459% | 6,390 |
| Memoranda: | ||
| Average total assets | $454,109,400 | 1,461 |
| Average earning assets | $399,257,000 | 1,511 |
| Average equity | $35,302,800 | 1,954 |
| Average total loans | $329,152,400 | 1,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3148% | 43 |
| Cost of funding earning assets | 0.5000% | 3,763 |
| Net interest margin | 7.8147% | 35 |
| Noninterest income to average assets | 0.9551% | 1,593 |
| Noninterest expense to average assets | 5.3621% | 271 |
| Loan and lease loss provision to assets | 0.9011% | 196 |
| Net operating income to assets | 1.0579% | 2,157 |
| Return on assets (ROA) | 1.0579% | 2,239 |
| Pretax return on assets | 1.5516% | 1,463 |
| Return on Equity (ROE) | 13.7700% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.7700% | 270 |
| Net charge-offs to loans | 1.6270% | 265 |
| Credit loss provision to net charge-offs | 77.4626% | 2,906 |
| Earnings coverage of net charge-offs (x) | 2.1084% | 4,137 |
| Efficiency ratio | 68.6143% | 3,975 |
| Assets per employee ($millions) | 2.1922% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1830% | 1,354 |
| Loan loss allowance to noncurrent loans | 46.0794% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 5.4811% | 478 |
| Noncurrent loans to loans | 4.7374% | 660 |
| Net loans and leases to total assets | 72.5259% | 1,523 |
| Net loans and leases to deposits | 79.1949% | 2,515 |
| Net loans and leases to core deposits | 88.2140% | 2,164 |
| Total domestic deposits to total assets | 91.5789% | 347 |
| Equity capital to assets | 7.8371% | 6,239 |
| Core capital (leverage) ratio | 7.9560% | 6,254 |
| Tier 1 risk-based capital ratio | 10.1639% | 6,549 |
| Total risk-based capital ratio | 11.4244% | 6,516 |
| Memoranda: | ||
| Average total assets | $452,598,500 | 1,474 |
| Average earning assets | $397,290,000 | 1,535 |
| Average equity | $34,770,250 | 2,002 |
| Average total loans | $323,607,500 | 1,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1957% | 43 |
| Cost of funding earning assets | 0.5257% | 3,645 |
| Net interest margin | 7.6700% | 39 |
| Noninterest income to average assets | 1.0407% | 1,408 |
| Noninterest expense to average assets | 5.2467% | 297 |
| Loan and lease loss provision to assets | 1.0518% | 169 |
| Net operating income to assets | 0.9809% | 2,411 |
| Return on assets (ROA) | 0.9809% | 2,561 |
| Pretax return on assets | 1.4357% | 1,823 |
| Return on Equity (ROE) | 12.8581% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.8581% | 400 |
| Net charge-offs to loans | 1.8729% | 246 |
| Credit loss provision to net charge-offs | 79.5616% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.8816% | 3,896 |
| Efficiency ratio | 67.8370% | 4,210 |
| Assets per employee ($millions) | 2.2359% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3822% | 1,114 |
| Loan loss allowance to noncurrent loans | 48.6719% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 5.7021% | 502 |
| Noncurrent loans to loans | 4.8944% | 678 |
| Net loans and leases to total assets | 69.7874% | 1,922 |
| Net loans and leases to deposits | 76.0091% | 2,874 |
| Net loans and leases to core deposits | 84.4988% | 2,492 |
| Total domestic deposits to total assets | 91.8145% | 286 |
| Equity capital to assets | 7.6543% | 6,391 |
| Core capital (leverage) ratio | 7.6474% | 6,392 |
| Tier 1 risk-based capital ratio | 10.2132% | 6,586 |
| Total risk-based capital ratio | 11.4759% | 6,556 |
| Memoranda: | ||
| Average total assets | $448,551,670 | 1,479 |
| Average earning assets | $391,447,330 | 1,553 |
| Average equity | $34,219,670 | 2,033 |
| Average total loans | $316,617,330 | 1,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0264% | 41 |
| Cost of funding earning assets | 0.5496% | 3,573 |
| Net interest margin | 7.4768% | 41 |
| Noninterest income to average assets | 0.9945% | 1,474 |
| Noninterest expense to average assets | 4.9580% | 379 |
| Loan and lease loss provision to assets | 0.7483% | 305 |
| Net operating income to assets | 1.2154% | 1,489 |
| Return on assets (ROA) | 1.2154% | 1,596 |
| Pretax return on assets | 1.8014% | 882 |
| Return on Equity (ROE) | 15.9586% | 614 |
| Retained earnings to average equity (ytd only) | 15.9586% | 280 |
| Net charge-offs to loans | 2.2335% | 198 |
| Credit loss provision to net charge-offs | 47.7835% | 2,634 |
| Earnings coverage of net charge-offs (x) | 1.6281% | 3,293 |
| Efficiency ratio | 66.0382% | 4,654 |
| Assets per employee ($millions) | 2.3942% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4095% | 1,240 |
| Loan loss allowance to noncurrent loans | 43.8376% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 6.2664% | 499 |
| Noncurrent loans to loans | 5.4964% | 654 |
| Net loans and leases to total assets | 66.8203% | 2,225 |
| Net loans and leases to deposits | 72.6694% | 3,095 |
| Net loans and leases to core deposits | 81.3750% | 2,644 |
| Total domestic deposits to total assets | 91.9511% | 255 |
| Equity capital to assets | 7.5695% | 6,569 |
| Core capital (leverage) ratio | 7.5807% | 6,431 |
| Tier 1 risk-based capital ratio | 10.2344% | 6,652 |
| Total risk-based capital ratio | 11.4972% | 6,640 |
| Memoranda: | ||
| Average total assets | $443,648,500 | 1,513 |
| Average earning assets | $386,473,000 | 1,581 |
| Average equity | $33,787,500 | 2,090 |
| Average total loans | $311,085,000 | 1,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5941% | 41 |
| Cost of funding earning assets | 0.6928% | 3,555 |
| Net interest margin | 7.9013% | 38 |
| Noninterest income to average assets | 0.5434% | 3,625 |
| Noninterest expense to average assets | 4.7181% | 470 |
| Loan and lease loss provision to assets | 2.4460% | 64 |
| Net operating income to assets | 0.1532% | 5,885 |
| Return on assets (ROA) | 0.1704% | 6,012 |
| Pretax return on assets | 0.2166% | 5,964 |
| Return on Equity (ROE) | 2.2158% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.2158% | 4,680 |
| Net charge-offs to loans | 3.0301% | 162 |
| Credit loss provision to net charge-offs | 111.1227% | 2,625 |
| Earnings coverage of net charge-offs (x) | 1.1997% | 4,859 |
| Efficiency ratio | 64.1147% | 4,861 |
| Assets per employee ($millions) | 2.3000% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7075% | 915 |
| Loan loss allowance to noncurrent loans | 50.4710% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 6.9076% | 452 |
| Noncurrent loans to loans | 5.3644% | 703 |
| Net loans and leases to total assets | 69.9097% | 1,856 |
| Net loans and leases to deposits | 76.0576% | 2,797 |
| Net loans and leases to core deposits | 85.0409% | 2,418 |
| Total domestic deposits to total assets | 91.9168% | 259 |
| Equity capital to assets | 7.6646% | 6,564 |
| Core capital (leverage) ratio | 7.3089% | 6,580 |
| Tier 1 risk-based capital ratio | 9.6620% | 6,777 |
| Total risk-based capital ratio | 10.9283% | 6,758 |
| Memoranda: | ||
| Average total assets | $435,407,800 | 1,517 |
| Average earning assets | $375,569,600 | 1,595 |
| Average equity | $33,486,800 | 2,063 |
| Average total loans | $316,298,400 | 1,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4304% | 40 |
| Cost of funding earning assets | 0.7248% | 3,557 |
| Net interest margin | 7.7057% | 39 |
| Noninterest income to average assets | 1.4389% | 724 |
| Noninterest expense to average assets | 5.0047% | 363 |
| Loan and lease loss provision to assets | 2.0940% | 104 |
| Net operating income to assets | 0.6776% | 4,016 |
| Return on assets (ROA) | 0.6979% | 4,173 |
| Pretax return on assets | 1.0127% | 3,661 |
| Return on Equity (ROE) | 9.0665% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.0665% | 1,205 |
| Net charge-offs to loans | 2.8916% | 192 |
| Credit loss provision to net charge-offs | 99.4194% | 3,024 |
| Earnings coverage of net charge-offs (x) | 1.4611% | 4,556 |
| Efficiency ratio | 61.9237% | 5,158 |
| Assets per employee ($millions) | 2.3642% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3192% | 1,481 |
| Loan loss allowance to noncurrent loans | 44.3541% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 6.8553% | 531 |
| Noncurrent loans to loans | 5.2289% | 844 |
| Net loans and leases to total assets | 69.6008% | 1,994 |
| Net loans and leases to deposits | 75.9082% | 2,994 |
| Net loans and leases to core deposits | 86.1282% | 2,446 |
| Total domestic deposits to total assets | 91.6908% | 249 |
| Equity capital to assets | 7.8487% | 6,665 |
| Core capital (leverage) ratio | 7.8161% | 6,455 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,748 |
| Total risk-based capital ratio | 11.4669% | 6,728 |
| Memoranda: | ||
| Average total assets | $436,161,750 | 1,524 |
| Average earning assets | $376,024,750 | 1,605 |
| Average equity | $33,573,250 | 2,069 |
| Average total loans | $317,699,000 | 1,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4029% | 43 |
| Cost of funding earning assets | 0.7428% | 3,665 |
| Net interest margin | 7.6602% | 41 |
| Noninterest income to average assets | 1.4363% | 702 |
| Noninterest expense to average assets | 5.0850% | 355 |
| Loan and lease loss provision to assets | 2.0498% | 138 |
| Net operating income to assets | 0.6317% | 4,216 |
| Return on assets (ROA) | 0.6343% | 4,448 |
| Pretax return on assets | 0.9084% | 4,045 |
| Return on Equity (ROE) | 8.2958% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.2958% | 1,526 |
| Net charge-offs to loans | 2.6322% | 258 |
| Credit loss provision to net charge-offs | 106.1293% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.5297% | 4,224 |
| Efficiency ratio | 63.2499% | 5,040 |
| Assets per employee ($millions) | 2.3573% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 1,398 |
| Loan loss allowance to noncurrent loans | 43.6052% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 7.0176% | 557 |
| Noncurrent loans to loans | 5.5333% | 838 |
| Net loans and leases to total assets | 70.5130% | 1,823 |
| Net loans and leases to deposits | 76.8180% | 2,868 |
| Net loans and leases to core deposits | 87.3747% | 2,267 |
| Total domestic deposits to total assets | 91.7923% | 261 |
| Equity capital to assets | 7.7578% | 6,690 |
| Core capital (leverage) ratio | 7.5702% | 6,587 |
| Tier 1 risk-based capital ratio | 9.8802% | 6,854 |
| Total risk-based capital ratio | 11.1433% | 6,837 |
| Memoranda: | ||
| Average total assets | $434,179,000 | 1,529 |
| Average earning assets | $374,273,670 | 1,616 |
| Average equity | $33,197,670 | 2,077 |
| Average total loans | $318,592,670 | 1,332 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1995% | 47 |
| Cost of funding earning assets | 0.7730% | 3,681 |
| Net interest margin | 7.4265% | 49 |
| Noninterest income to average assets | 1.4764% | 667 |
| Noninterest expense to average assets | 4.8475% | 408 |
| Loan and lease loss provision to assets | 1.9390% | 150 |
| Net operating income to assets | 0.7557% | 3,595 |
| Return on assets (ROA) | 0.7608% | 3,806 |
| Pretax return on assets | 1.1025% | 3,315 |
| Return on Equity (ROE) | 10.0242% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.0242% | 1,263 |
| Net charge-offs to loans | 2.8083% | 272 |
| Credit loss provision to net charge-offs | 93.3748% | 2,487 |
| Earnings coverage of net charge-offs (x) | 1.4611% | 3,594 |
| Efficiency ratio | 61.5042% | 5,368 |
| Assets per employee ($millions) | 2.3672% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,738 |
| Loan loss allowance to noncurrent loans | 30.4390% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 7.8275% | 501 |
| Noncurrent loans to loans | 7.4551% | 569 |
| Net loans and leases to total assets | 70.7757% | 1,617 |
| Net loans and leases to deposits | 76.9379% | 2,682 |
| Net loans and leases to core deposits | 87.2847% | 2,137 |
| Total domestic deposits to total assets | 91.9907% | 258 |
| Equity capital to assets | 7.5946% | 6,745 |
| Core capital (leverage) ratio | 7.3639% | 6,706 |
| Tier 1 risk-based capital ratio | 9.6466% | 6,945 |
| Total risk-based capital ratio | 10.9082% | 6,937 |
| Memoranda: | ||
| Average total assets | $433,216,500 | 1,540 |
| Average earning assets | $373,633,000 | 1,625 |
| Average equity | $32,880,500 | 2,096 |
| Average total loans | $320,332,500 | 1,322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8687% | 56 |
| Cost of funding earning assets | 1.1055% | 2,634 |
| Net interest margin | 6.7633% | 58 |
| Noninterest income to average assets | 0.8550% | 1,827 |
| Noninterest expense to average assets | 4.1826% | 829 |
| Loan and lease loss provision to assets | 3.6850% | 70 |
| Net operating income to assets | -0.6139% | 6,558 |
| Return on assets (ROA) | -0.5366% | 6,556 |
| Pretax return on assets | -0.9710% | 6,720 |
| Return on Equity (ROE) | -7.3359% | 6,651 |
| Retained earnings to average equity (ytd only) | -7.3359% | 6,592 |
| Net charge-offs to loans | 5.6797% | 56 |
| Credit loss provision to net charge-offs | 85.8425% | 4,206 |
| Earnings coverage of net charge-offs (x) | 0.6041% | 5,370 |
| Efficiency ratio | 61.7293% | 5,502 |
| Assets per employee ($millions) | 2.3162% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 1,673 |
| Loan loss allowance to noncurrent loans | 24.9017% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 9.3302% | 375 |
| Noncurrent loans to loans | 9.1187% | 384 |
| Net loans and leases to total assets | 73.7857% | 1,308 |
| Net loans and leases to deposits | 80.1833% | 2,489 |
| Net loans and leases to core deposits | 91.7016% | 1,919 |
| Total domestic deposits to total assets | 92.0213% | 236 |
| Equity capital to assets | 7.5850% | 6,775 |
| Core capital (leverage) ratio | 7.0593% | 6,842 |
| Tier 1 risk-based capital ratio | 9.0857% | 7,022 |
| Total risk-based capital ratio | 10.3472% | 7,023 |
| Memoranda: | ||
| Average total assets | $456,939,600 | 1,439 |
| Average earning assets | $400,014,000 | 1,488 |
| Average equity | $33,424,800 | 1,991 |
| Average total loans | $345,352,400 | 1,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6045% | 63 |
| Cost of funding earning assets | 1.1741% | 2,487 |
| Net interest margin | 6.4304% | 68 |
| Noninterest income to average assets | 1.3222% | 749 |
| Noninterest expense to average assets | 4.6649% | 492 |
| Loan and lease loss provision to assets | 3.5018% | 82 |
| Net operating income to assets | -0.7508% | 6,777 |
| Return on assets (ROA) | -0.6493% | 6,762 |
| Pretax return on assets | -1.0320% | 6,887 |
| Return on Equity (ROE) | -8.9532% | 6,860 |
| Retained earnings to average equity (ytd only) | -8.9532% | 6,814 |
| Net charge-offs to loans | 5.5557% | 71 |
| Credit loss provision to net charge-offs | 83.3767% | 4,021 |
| Earnings coverage of net charge-offs (x) | 0.5503% | 5,219 |
| Efficiency ratio | 66.8699% | 4,550 |
| Assets per employee ($millions) | 2.4059% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 1,668 |
| Loan loss allowance to noncurrent loans | 22.3510% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 9.7832% | 377 |
| Noncurrent loans to loans | 10.3498% | 335 |
| Net loans and leases to total assets | 72.2073% | 1,664 |
| Net loans and leases to deposits | 78.3287% | 2,915 |
| Net loans and leases to core deposits | 90.6583% | 2,167 |
| Total domestic deposits to total assets | 92.1850% | 187 |
| Equity capital to assets | 7.2736% | 6,998 |
| Core capital (leverage) ratio | 7.0290% | 6,953 |
| Tier 1 risk-based capital ratio | 9.1245% | 7,101 |
| Total risk-based capital ratio | 10.3865% | 7,096 |
| Memoranda: | ||
| Average total assets | $464,051,500 | 1,428 |
| Average earning assets | $408,009,250 | 1,478 |
| Average equity | $33,655,750 | 1,984 |
| Average total loans | $350,812,500 | 1,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5277% | 70 |
| Cost of funding earning assets | 1.2368% | 2,346 |
| Net interest margin | 6.2909% | 76 |
| Noninterest income to average assets | 1.2817% | 766 |
| Noninterest expense to average assets | 4.7426% | 464 |
| Loan and lease loss provision to assets | 2.9388% | 158 |
| Net operating income to assets | -0.5103% | 6,699 |
| Return on assets (ROA) | -0.5103% | 6,726 |
| Pretax return on assets | -0.8443% | 6,841 |
| Return on Equity (ROE) | -7.0423% | 6,830 |
| Retained earnings to average equity (ytd only) | -7.0423% | 6,722 |
| Net charge-offs to loans | 4.8109% | 141 |
| Credit loss provision to net charge-offs | 80.2330% | 3,766 |
| Earnings coverage of net charge-offs (x) | 0.5718% | 4,873 |
| Efficiency ratio | 69.3666% | 4,247 |
| Assets per employee ($millions) | 2.4789% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 1,533 |
| Loan loss allowance to noncurrent loans | 28.4845% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 7.9843% | 585 |
| Noncurrent loans to loans | 8.5710% | 503 |
| Net loans and leases to total assets | 73.8195% | 1,450 |
| Net loans and leases to deposits | 80.0704% | 2,780 |
| Net loans and leases to core deposits | 91.9725% | 2,134 |
| Total domestic deposits to total assets | 92.1932% | 203 |
| Equity capital to assets | 7.3095% | 7,029 |
| Core capital (leverage) ratio | 7.0507% | 6,976 |
| Tier 1 risk-based capital ratio | 9.3291% | 7,137 |
| Total risk-based capital ratio | 10.5933% | 7,133 |
| Memoranda: | ||
| Average total assets | $468,767,670 | 1,431 |
| Average earning assets | $413,963,330 | 1,464 |
| Average equity | $33,966,330 | 1,961 |
| Average total loans | $356,898,000 | 1,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4984% | 77 |
| Cost of funding earning assets | 1.3307% | 2,007 |
| Net interest margin | 6.1678% | 86 |
| Noninterest income to average assets | 1.3202% | 737 |
| Noninterest expense to average assets | 4.4362% | 635 |
| Loan and lease loss provision to assets | 2.2210% | 241 |
| Net operating income to assets | 0.1069% | 6,078 |
| Return on assets (ROA) | 0.1069% | 6,131 |
| Pretax return on assets | 0.1069% | 6,153 |
| Return on Equity (ROE) | 1.4819% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.4819% | 5,219 |
| Net charge-offs to loans | 3.0476% | 355 |
| Credit loss provision to net charge-offs | 95.4414% | 2,840 |
| Earnings coverage of net charge-offs (x) | 1.0004% | 3,910 |
| Efficiency ratio | 65.5838% | 5,110 |
| Assets per employee ($millions) | 2.6369% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7965% | 1,114 |
| Loan loss allowance to noncurrent loans | 32.2172% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 7.7533% | 628 |
| Noncurrent loans to loans | 8.6802% | 531 |
| Net loans and leases to total assets | 72.8051% | 1,554 |
| Net loans and leases to deposits | 78.9069% | 2,912 |
| Net loans and leases to core deposits | 91.0602% | 2,235 |
| Total domestic deposits to total assets | 92.2670% | 222 |
| Equity capital to assets | 7.2029% | 7,010 |
| Core capital (leverage) ratio | 7.1158% | 6,952 |
| Tier 1 risk-based capital ratio | 9.4073% | 7,169 |
| Total risk-based capital ratio | 10.6759% | 7,163 |
| Memoranda: | ||
| Average total assets | $475,092,500 | 1,424 |
| Average earning assets | $419,340,000 | 1,466 |
| Average equity | $34,279,500 | 1,934 |
| Average total loans | $362,782,000 | 1,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7939% | 64 |
| Cost of funding earning assets | 1.7163% | 1,521 |
| Net interest margin | 6.0775% | 92 |
| Noninterest income to average assets | 0.9986% | 1,505 |
| Noninterest expense to average assets | 4.3156% | 798 |
| Loan and lease loss provision to assets | 3.7530% | 186 |
| Net operating income to assets | -1.0739% | 6,728 |
| Return on assets (ROA) | -1.0658% | 6,752 |
| Pretax return on assets | -1.6490% | 6,914 |
| Return on Equity (ROE) | -14.4490% | 6,903 |
| Retained earnings to average equity (ytd only) | -14.4490% | 6,862 |
| Net charge-offs to loans | 3.5462% | 399 |
| Credit loss provision to net charge-offs | 135.2972% | 2,872 |
| Earnings coverage of net charge-offs (x) | 0.7540% | 5,366 |
| Efficiency ratio | 67.3568% | 4,693 |
| Assets per employee ($millions) | 2.6127% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7502% | 1,111 |
| Loan loss allowance to noncurrent loans | 32.7605% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 7.5442% | 685 |
| Noncurrent loans to loans | 8.3948% | 594 |
| Net loans and leases to total assets | 75.6938% | 1,334 |
| Net loans and leases to deposits | 82.0642% | 2,786 |
| Net loans and leases to core deposits | 94.8424% | 2,152 |
| Total domestic deposits to total assets | 92.2373% | 230 |
| Equity capital to assets | 7.2279% | 7,027 |
| Core capital (leverage) ratio | 7.0362% | 7,011 |
| Tier 1 risk-based capital ratio | 9.1359% | 7,214 |
| Total risk-based capital ratio | 10.4042% | 7,216 |
| Memoranda: | ||
| Average total assets | $480,952,600 | 1,397 |
| Average earning assets | $428,002,200 | 1,417 |
| Average equity | $35,476,600 | 1,865 |
| Average total loans | $376,205,400 | 1,206 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7284% | 73 |
| Cost of funding earning assets | 1.7813% | 1,499 |
| Net interest margin | 5.9471% | 100 |
| Noninterest income to average assets | 0.9588% | 1,593 |
| Noninterest expense to average assets | 4.3712% | 683 |
| Loan and lease loss provision to assets | 3.3266% | 232 |
| Net operating income to assets | -0.9202% | 6,855 |
| Return on assets (ROA) | -0.9185% | 6,895 |
| Pretax return on assets | -1.4430% | 7,032 |
| Return on Equity (ROE) | -12.3906% | 7,025 |
| Retained earnings to average equity (ytd only) | -12.3906% | 6,988 |
| Net charge-offs to loans | 3.0703% | 491 |
| Credit loss provision to net charge-offs | 138.3467% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.7822% | 5,271 |
| Efficiency ratio | 69.9165% | 4,086 |
| Assets per employee ($millions) | 2.7340% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,620 |
| Loan loss allowance to noncurrent loans | 28.3935% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 7.3089% | 729 |
| Noncurrent loans to loans | 8.1193% | 628 |
| Net loans and leases to total assets | 75.3819% | 1,515 |
| Net loans and leases to deposits | 81.9189% | 3,124 |
| Net loans and leases to core deposits | 96.2991% | 2,225 |
| Total domestic deposits to total assets | 92.0201% | 191 |
| Equity capital to assets | 7.4016% | 7,181 |
| Core capital (leverage) ratio | 7.2759% | 7,023 |
| Tier 1 risk-based capital ratio | 9.2904% | 7,303 |
| Total risk-based capital ratio | 10.5531% | 7,307 |
| Memoranda: | ||
| Average total assets | $482,964,500 | 1,407 |
| Average earning assets | $429,868,000 | 1,432 |
| Average equity | $35,800,500 | 1,867 |
| Average total loans | $378,236,000 | 1,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7033% | 77 |
| Cost of funding earning assets | 1.8192% | 1,573 |
| Net interest margin | 5.8841% | 110 |
| Noninterest income to average assets | 0.8747% | 1,783 |
| Noninterest expense to average assets | 4.3120% | 716 |
| Loan and lease loss provision to assets | 3.3548% | 270 |
| Net operating income to assets | -0.9958% | 6,941 |
| Return on assets (ROA) | -0.9931% | 6,965 |
| Pretax return on assets | -1.5486% | 7,091 |
| Return on Equity (ROE) | -13.3905% | 7,089 |
| Retained earnings to average equity (ytd only) | -13.3905% | 7,051 |
| Net charge-offs to loans | 2.6505% | 628 |
| Credit loss provision to net charge-offs | 160.8070% | 2,448 |
| Earnings coverage of net charge-offs (x) | 0.8638% | 4,900 |
| Efficiency ratio | 70.5269% | 4,079 |
| Assets per employee ($millions) | 2.7471% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 1,748 |
| Loan loss allowance to noncurrent loans | 31.9146% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 6.5086% | 857 |
| Noncurrent loans to loans | 6.8991% | 835 |
| Net loans and leases to total assets | 77.2627% | 1,240 |
| Net loans and leases to deposits | 84.2022% | 2,838 |
| Net loans and leases to core deposits | 98.0534% | 2,223 |
| Total domestic deposits to total assets | 91.7585% | 269 |
| Equity capital to assets | 7.6529% | 7,022 |
| Core capital (leverage) ratio | 7.5463% | 6,787 |
| Tier 1 risk-based capital ratio | 9.4723% | 7,270 |
| Total risk-based capital ratio | 10.7340% | 7,270 |
| Memoranda: | ||
| Average total assets | $479,911,000 | 1,426 |
| Average earning assets | $427,323,000 | 1,455 |
| Average equity | $35,592,330 | 1,877 |
| Average total loans | $377,739,000 | 1,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4956% | 106 |
| Cost of funding earning assets | 1.8473% | 1,670 |
| Net interest margin | 5.6483% | 147 |
| Noninterest income to average assets | 0.8843% | 1,688 |
| Noninterest expense to average assets | 3.9383% | 1,118 |
| Loan and lease loss provision to assets | 3.4584% | 269 |
| Net operating income to assets | -0.9476% | 7,081 |
| Return on assets (ROA) | -0.9422% | 7,100 |
| Pretax return on assets | -1.4733% | 7,249 |
| Return on Equity (ROE) | -12.9144% | 7,250 |
| Retained earnings to average equity (ytd only) | -12.9144% | 7,112 |
| Net charge-offs to loans | 3.5040% | 403 |
| Credit loss provision to net charge-offs | 125.6324% | 2,797 |
| Earnings coverage of net charge-offs (x) | 0.7181% | 4,386 |
| Efficiency ratio | 66.5816% | 4,989 |
| Assets per employee ($millions) | 2.8305% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,195 |
| Loan loss allowance to noncurrent loans | 22.4685% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 6.9385% | 781 |
| Noncurrent loans to loans | 7.4129% | 775 |
| Net loans and leases to total assets | 75.8542% | 1,577 |
| Net loans and leases to deposits | 82.0987% | 3,267 |
| Net loans and leases to core deposits | 95.7320% | 2,616 |
| Total domestic deposits to total assets | 92.3939% | 177 |
| Equity capital to assets | 7.0293% | 7,353 |
| Core capital (leverage) ratio | 7.0918% | 7,182 |
| Tier 1 risk-based capital ratio | 8.8229% | 7,513 |
| Total risk-based capital ratio | 10.0775% | 7,533 |
| Memoranda: | ||
| Average total assets | $476,748,500 | 1,466 |
| Average earning assets | $424,622,500 | 1,506 |
| Average equity | $34,783,000 | 1,934 |
| Average total loans | $374,540,000 | 1,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7104% | 104 |
| Cost of funding earning assets | 2.3129% | 1,602 |
| Net interest margin | 5.3975% | 208 |
| Noninterest income to average assets | 0.9128% | 1,899 |
| Noninterest expense to average assets | 3.9232% | 1,478 |
| Loan and lease loss provision to assets | 1.9654% | 1,115 |
| Net operating income to assets | -0.0258% | 5,541 |
| Return on assets (ROA) | -0.1820% | 5,818 |
| Pretax return on assets | -0.4034% | 5,919 |
| Return on Equity (ROE) | -2.3232% | 5,899 |
| Retained earnings to average equity (ytd only) | -2.8830% | 5,676 |
| Net charge-offs to loans | 2.2152% | 1,072 |
| Credit loss provision to net charge-offs | 110.4757% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 5,102 |
| Efficiency ratio | 68.4768% | 4,925 |
| Assets per employee ($millions) | 2.5925% | 7,053 |
| Cash dividends to net income (ytd only)* | -24.0964% | 7,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,981 |
| Loan loss allowance to noncurrent loans | 19.1179% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 7.3922% | 662 |
| Noncurrent loans to loans | 7.5814% | 690 |
| Net loans and leases to total assets | 78.8851% | 1,207 |
| Net loans and leases to deposits | 85.8829% | 2,938 |
| Net loans and leases to core deposits | 141.1241% | 768 |
| Total domestic deposits to total assets | 91.8519% | 292 |
| Equity capital to assets | 7.5740% | 6,966 |
| Core capital (leverage) ratio | 7.3491% | 6,941 |
| Tier 1 risk-based capital ratio | 9.0876% | 7,433 |
| Total risk-based capital ratio | 10.3397% | 7,452 |
| Memoranda: | ||
| Average total assets | $456,080,600 | 1,517 |
| Average earning assets | $406,981,400 | 1,557 |
| Average equity | $35,726,400 | 1,886 |
| Average total loans | $366,282,800 | 1,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6723% | 112 |
| Cost of funding earning assets | 2.3833% | 1,692 |
| Net interest margin | 5.2890% | 257 |
| Noninterest income to average assets | 0.9342% | 1,840 |
| Noninterest expense to average assets | 3.8767% | 1,465 |
| Loan and lease loss provision to assets | 1.8525% | 1,003 |
| Net operating income to assets | -0.0105% | 5,724 |
| Return on assets (ROA) | -0.2199% | 6,107 |
| Pretax return on assets | -0.3973% | 6,196 |
| Return on Equity (ROE) | -2.7841% | 6,212 |
| Retained earnings to average equity (ytd only) | -3.5285% | 6,037 |
| Net charge-offs to loans | 2.3518% | 789 |
| Credit loss provision to net charge-offs | 97.9935% | 5,217 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 5,113 |
| Efficiency ratio | 68.5025% | 4,881 |
| Assets per employee ($millions) | 2.7035% | 6,843 |
| Cash dividends to net income (ytd only)* | -26.7379% | 7,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 5,172 |
| Loan loss allowance to noncurrent loans | 17.3303% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 5.9104% | 923 |
| Noncurrent loans to loans | 6.8639% | 793 |
| Net loans and leases to total assets | 77.4240% | 1,686 |
| Net loans and leases to deposits | 84.2989% | 3,601 |
| Net loans and leases to core deposits | 138.0966% | 1,007 |
| Total domestic deposits to total assets | 91.8446% | 199 |
| Equity capital to assets | 7.4848% | 7,305 |
| Core capital (leverage) ratio | 7.5006% | 6,969 |
| Tier 1 risk-based capital ratio | 9.1258% | 7,573 |
| Total risk-based capital ratio | 10.2805% | 7,619 |
| Memoranda: | ||
| Average total assets | $453,438,000 | 1,545 |
| Average earning assets | $405,083,500 | 1,575 |
| Average equity | $35,822,000 | 1,901 |
| Average total loans | $364,470,500 | 1,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7815% | 112 |
| Cost of funding earning assets | 2.4744% | 1,704 |
| Net interest margin | 5.3071% | 241 |
| Noninterest income to average assets | 0.9444% | 1,779 |
| Noninterest expense to average assets | 3.8984% | 1,489 |
| Loan and lease loss provision to assets | 1.9283% | 849 |
| Net operating income to assets | -0.0692% | 5,952 |
| Return on assets (ROA) | -0.4036% | 6,458 |
| Pretax return on assets | -0.6803% | 6,586 |
| Return on Equity (ROE) | -5.0151% | 6,608 |
| Retained earnings to average equity (ytd only) | -6.1296% | 6,468 |
| Net charge-offs to loans | 2.1632% | 855 |
| Credit loss provision to net charge-offs | 109.9182% | 4,217 |
| Earnings coverage of net charge-offs (x) | 1.0092% | 4,775 |
| Efficiency ratio | 68.7683% | 5,013 |
| Assets per employee ($millions) | 2.5140% | 7,225 |
| Cash dividends to net income (ytd only)* | -22.2222% | 7,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,060 |
| Loan loss allowance to noncurrent loans | 23.2042% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 5.0229% | 1,052 |
| Noncurrent loans to loans | 5.7613% | 970 |
| Net loans and leases to total assets | 79.8760% | 1,336 |
| Net loans and leases to deposits | 87.2428% | 3,314 |
| Net loans and leases to core deposits | 139.2100% | 1,046 |
| Total domestic deposits to total assets | 91.5560% | 310 |
| Equity capital to assets | 7.6793% | 7,103 |
| Core capital (leverage) ratio | 7.7182% | 6,726 |
| Tier 1 risk-based capital ratio | 9.2362% | 7,581 |
| Total risk-based capital ratio | 10.4870% | 7,571 |
| Memoranda: | ||
| Average total assets | $445,977,330 | 1,592 |
| Average earning assets | $397,019,000 | 1,639 |
| Average equity | $35,891,330 | 1,897 |
| Average total loans | $361,682,670 | 1,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7369% | 125 |
| Cost of funding earning assets | 2.5208% | 1,841 |
| Net interest margin | 5.2161% | 273 |
| Noninterest income to average assets | 0.8660% | 2,008 |
| Noninterest expense to average assets | 3.6566% | 1,739 |
| Loan and lease loss provision to assets | 1.4539% | 870 |
| Net operating income to assets | 0.3180% | 5,228 |
| Return on assets (ROA) | 0.3180% | 5,395 |
| Pretax return on assets | 0.4262% | 5,322 |
| Return on Equity (ROE) | 3.8600% | 4,996 |
| Retained earnings to average equity (ytd only) | 1.9300% | 4,777 |
| Net charge-offs to loans | 2.6218% | 515 |
| Credit loss provision to net charge-offs | 68.3177% | 4,381 |
| Earnings coverage of net charge-offs (x) | 0.8834% | 4,321 |
| Efficiency ratio | 66.0430% | 5,321 |
| Assets per employee ($millions) | 2.5032% | 7,274 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,758 |
| Loan loss allowance to noncurrent loans | 22.5049% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 4.0855% | 1,251 |
| Noncurrent loans to loans | 4.7057% | 1,188 |
| Net loans and leases to total assets | 78.8104% | 1,624 |
| Net loans and leases to deposits | 86.3970% | 3,569 |
| Net loans and leases to core deposits | 133.0671% | 1,473 |
| Total domestic deposits to total assets | 91.2189% | 345 |
| Equity capital to assets | 8.0437% | 6,747 |
| Core capital (leverage) ratio | 8.2325% | 6,028 |
| Tier 1 risk-based capital ratio | 9.6342% | 7,306 |
| Total risk-based capital ratio | 10.6521% | 7,463 |
| Memoranda: | ||
| Average total assets | $440,194,000 | 1,613 |
| Average earning assets | $394,163,500 | 1,657 |
| Average equity | $36,269,000 | 1,885 |
| Average total loans | $357,314,000 | 1,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8760% | 73 |
| Cost of funding earning assets | 2.9645% | 2,010 |
| Net interest margin | 5.9115% | 120 |
| Noninterest income to average assets | 1.0244% | 1,511 |
| Noninterest expense to average assets | 4.3932% | 962 |
| Loan and lease loss provision to assets | 0.7876% | 1,893 |
| Net operating income to assets | 0.7822% | 3,515 |
| Return on assets (ROA) | 0.7862% | 3,342 |
| Pretax return on assets | 1.1430% | 2,861 |
| Return on Equity (ROE) | 9.1702% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.5862% | 1,305 |
| Net charge-offs to loans | 0.7354% | 1,683 |
| Credit loss provision to net charge-offs | 133.7793% | 3,972 |
| Earnings coverage of net charge-offs (x) | 3.2696% | 4,454 |
| Efficiency ratio | 69.5325% | 4,439 |
| Assets per employee ($millions) | 2.2973% | 7,570 |
| Cash dividends to net income (ytd only)* | 28.1778% | 4,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 3,852 |
| Loan loss allowance to noncurrent loans | 34.6940% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 3.4311% | 1,298 |
| Noncurrent loans to loans | 3.7190% | 1,350 |
| Net loans and leases to total assets | 81.7134% | 1,284 |
| Net loans and leases to deposits | 90.2349% | 3,411 |
| Net loans and leases to core deposits | 134.2940% | 1,584 |
| Total domestic deposits to total assets | 90.5563% | 467 |
| Equity capital to assets | 8.4467% | 6,177 |
| Core capital (leverage) ratio | 8.4065% | 5,748 |
| Tier 1 risk-based capital ratio | 9.8504% | 6,903 |
| Total risk-based capital ratio | 11.0992% | 6,785 |
| Memoranda: | ||
| Average total assets | $406,283,200 | 1,674 |
| Average earning assets | $363,836,200 | 1,710 |
| Average equity | $34,830,400 | 1,942 |
| Average total loans | $325,252,400 | 1,496 |