Home > Bank of Pontiac > Performance and Condition Ratios
Bank of Pontiac, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 2,403 |
| Cost of funding earning assets | 1.1162% | 3,024 |
| Net interest margin | 3.7198% | 1,719 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0388% | 3,531 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3036% | 1,431 |
| Return on assets (ROA) | 1.3082% | 1,386 |
| Pretax return on assets | 1.7530% | 958 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 13.4896% | 453 |
| Net charge-offs to loans | 0.0312% | 1,672 |
| Credit loss provision to net charge-offs | 415.3846% | 768 |
| Earnings coverage of net charge-offs (x) | 80.8416% | 1,016 |
| Efficiency ratio | 51.5565% | 3,872 |
| Assets per employee ($millions) | 8.3167% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 2,805 |
| Loan loss allowance to noncurrent loans | 754.1854% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 2,579 |
| Noncurrent loans to loans | 0.1466% | 2,781 |
| Net loans and leases to total assets | 73.8900% | 1,380 |
| Net loans and leases to deposits | 92.2443% | 1,069 |
| Net loans and leases to core deposits | 105.1164% | 1,158 |
| Total domestic deposits to total assets | 80.1000% | 3,446 |
| Equity capital to assets | 10.1430% | 1,921 |
| Core capital (leverage) ratio | 10.1341% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0693% | 1,844 |
| Memoranda: | ||
| Average total assets | $976,561,600 | 1,005 |
| Average earning assets | $898,684,200 | 1,001 |
| Average equity | $94,702,400 | 984 |
| Average total loans | $708,805,600 | 946 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,382 |
| Cost of funding earning assets | 0.9552% | 3,144 |
| Net interest margin | 3.7892% | 1,623 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0171% | 3,551 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3912% | 1,343 |
| Return on assets (ROA) | 1.3880% | 1,333 |
| Pretax return on assets | 1.8588% | 914 |
| Return on Equity (ROE) | 14.4900% | 1,551 |
| Retained earnings to average equity (ytd only) | 14.4873% | 617 |
| Net charge-offs to loans | 0.0268% | 1,533 |
| Credit loss provision to net charge-offs | 287.8571% | 914 |
| Earnings coverage of net charge-offs (x) | 98.6286% | 924 |
| Efficiency ratio | 50.3024% | 3,892 |
| Assets per employee ($millions) | 7.9337% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 2,881 |
| Loan loss allowance to noncurrent loans | 683.1470% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,582 |
| Noncurrent loans to loans | 0.1605% | 2,749 |
| Net loans and leases to total assets | 73.4400% | 1,415 |
| Net loans and leases to deposits | 89.5099% | 1,267 |
| Net loans and leases to core deposits | 101.6277% | 1,236 |
| Total domestic deposits to total assets | 82.0500% | 3,199 |
| Equity capital to assets | 9.7612% | 1,953 |
| Core capital (leverage) ratio | 9.8200% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0828% | 1,867 |
| Memoranda: | ||
| Average total assets | $967,042,000 | 1,016 |
| Average earning assets | $889,661,500 | 1,016 |
| Average equity | $92,649,250 | 1,001 |
| Average total loans | $696,481,500 | 961 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 2,486 |
| Cost of funding earning assets | 0.7693% | 3,302 |
| Net interest margin | 3.7991% | 1,629 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.0506% | 3,460 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.4404% | 1,237 |
| Return on assets (ROA) | 1.4355% | 1,236 |
| Pretax return on assets | 1.9324% | 827 |
| Return on Equity (ROE) | 15.0800% | 1,456 |
| Retained earnings to average equity (ytd only) | 15.0794% | 554 |
| Net charge-offs to loans | 0.0218% | 1,448 |
| Credit loss provision to net charge-offs | -38.6667% | 4,523 |
| Earnings coverage of net charge-offs (x) | 122.5867% | 833 |
| Efficiency ratio | 50.6788% | 3,870 |
| Assets per employee ($millions) | 8.2259% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,107 |
| Loan loss allowance to noncurrent loans | 398.6323% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 2,125 |
| Noncurrent loans to loans | 0.2674% | 2,201 |
| Net loans and leases to total assets | 73.0700% | 1,399 |
| Net loans and leases to deposits | 87.9003% | 1,352 |
| Net loans and leases to core deposits | 98.4465% | 1,320 |
| Total domestic deposits to total assets | 83.1300% | 3,015 |
| Equity capital to assets | 9.8582% | 1,932 |
| Core capital (leverage) ratio | 9.9160% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9868% | 1,906 |
| Memoranda: | ||
| Average total assets | $964,109,667 | 1,010 |
| Average earning assets | $887,837,667 | 1,008 |
| Average equity | $91,781,000 | 1,002 |
| Average total loans | $687,096,333 | 963 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 2,340 |
| Cost of funding earning assets | 0.6199% | 3,322 |
| Net interest margin | 3.8689% | 1,542 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.0648% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4640% | 1,254 |
| Return on assets (ROA) | 1.4542% | 1,253 |
| Pretax return on assets | 1.9636% | 831 |
| Return on Equity (ROE) | 15.5500% | 1,453 |
| Retained earnings to average equity (ytd only) | 15.5509% | 738 |
| Net charge-offs to loans | 0.0095% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 297.9375% | 368 |
| Efficiency ratio | 49.9897% | 3,938 |
| Assets per employee ($millions) | 7.7860% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 2,913 |
| Loan loss allowance to noncurrent loans | 452.2714% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,106 |
| Noncurrent loans to loans | 0.2495% | 2,255 |
| Net loans and leases to total assets | 71.3000% | 1,491 |
| Net loans and leases to deposits | 84.2184% | 1,482 |
| Net loans and leases to core deposits | 90.7917% | 1,575 |
| Total domestic deposits to total assets | 84.6600% | 2,939 |
| Equity capital to assets | 9.7552% | 1,960 |
| Core capital (leverage) ratio | 9.2555% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2175% | 1,901 |
| Memoranda: | ||
| Average total assets | $964,949,500 | 1,026 |
| Average earning assets | $889,244,500 | 1,022 |
| Average equity | $90,232,500 | 1,030 |
| Average total loans | $675,237,000 | 990 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 2,641 |
| Cost of funding earning assets | 0.2757% | 3,087 |
| Net interest margin | 3.3846% | 2,306 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.0244% | 3,518 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0538% | 2,360 |
| Return on assets (ROA) | 1.0274% | 2,412 |
| Pretax return on assets | 1.3646% | 1,882 |
| Return on Equity (ROE) | 10.5500% | 2,634 |
| Retained earnings to average equity (ytd only) | 0.3114% | 4,297 |
| Net charge-offs to loans | 0.0390% | 1,317 |
| Credit loss provision to net charge-offs | 603.4483% | 597 |
| Earnings coverage of net charge-offs (x) | 63.4526% | 1,212 |
| Efficiency ratio | 54.6516% | 3,730 |
| Assets per employee ($millions) | 8.3747% | 1,153 |
| Cash dividends to net income (ytd only)* | 97.0477% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,657 |
| Loan loss allowance to noncurrent loans | 511.1480% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,161 |
| Noncurrent loans to loans | 0.2246% | 2,368 |
| Net loans and leases to total assets | 67.1300% | 1,916 |
| Net loans and leases to deposits | 79.3712% | 1,818 |
| Net loans and leases to core deposits | 85.8531% | 1,762 |
| Total domestic deposits to total assets | 84.5800% | 3,087 |
| Equity capital to assets | 8.8124% | 2,480 |
| Core capital (leverage) ratio | 9.2304% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7482% | 2,072 |
| Memoranda: | ||
| Average total assets | $952,836,200 | 1,027 |
| Average earning assets | $869,652,000 | 1,028 |
| Average equity | $92,805,400 | 996 |
| Average total loans | $594,483,200 | 1,040 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 2,548 |
| Cost of funding earning assets | 0.2151% | 3,088 |
| Net interest margin | 3.3054% | 2,280 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9671% | 3,566 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0436% | 2,306 |
| Return on assets (ROA) | 1.0436% | 2,272 |
| Pretax return on assets | 1.3837% | 1,766 |
| Return on Equity (ROE) | 10.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.4412% | 3,314 |
| Net charge-offs to loans | -0.0070% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.8354% | 3,743 |
| Assets per employee ($millions) | 7.6832% | 1,497 |
| Cash dividends to net income (ytd only)* | 57.5179% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,707 |
| Loan loss allowance to noncurrent loans | 387.8804% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 1,938 |
| Noncurrent loans to loans | 0.3010% | 2,163 |
| Net loans and leases to total assets | 65.6000% | 1,924 |
| Net loans and leases to deposits | 76.0761% | 1,873 |
| Net loans and leases to core deposits | 80.7950% | 1,847 |
| Total domestic deposits to total assets | 86.2400% | 3,008 |
| Equity capital to assets | 9.3556% | 1,978 |
| Core capital (leverage) ratio | 9.5569% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0775% | 1,683 |
| Memoranda: | ||
| Average total assets | $943,992,750 | 1,042 |
| Average earning assets | $858,979,250 | 1,054 |
| Average equity | $94,235,500 | 1,000 |
| Average total loans | $575,336,000 | 1,065 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2902% | 2,773 |
| Cost of funding earning assets | 0.2175% | 2,670 |
| Net interest margin | 3.0728% | 2,639 |
| Noninterest income to average assets | 0.4490% | 2,457 |
| Noninterest expense to average assets | 1.9421% | 3,598 |
| Loan and lease loss provision to assets | 0.0634% | 1,464 |
| Net operating income to assets | 0.9463% | 2,379 |
| Return on assets (ROA) | 0.9463% | 2,351 |
| Pretax return on assets | 1.2298% | 1,961 |
| Return on Equity (ROE) | 9.2869% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.1382% | 2,656 |
| Net charge-offs to loans | -0.0129% | 3,689 |
| Credit loss provision to net charge-offs | -833.3333% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6963% | 3,602 |
| Assets per employee ($millions) | 7.9022% | 1,359 |
| Cash dividends to net income (ytd only)* | 44.6728% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,719 |
| Loan loss allowance to noncurrent loans | 236.9310% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,608 |
| Noncurrent loans to loans | 0.5032% | 1,620 |
| Net loans and leases to total assets | 61.5860% | 2,167 |
| Net loans and leases to deposits | 69.3874% | 2,269 |
| Net loans and leases to core deposits | 73.6739% | 2,199 |
| Total domestic deposits to total assets | 88.7567% | 2,279 |
| Equity capital to assets | 9.7005% | 1,881 |
| Core capital (leverage) ratio | 9.5963% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8686% | 1,468 |
| Memoranda: | ||
| Average total assets | $946,205,000 | 1,039 |
| Average earning assets | $857,991,667 | 1,055 |
| Average equity | $96,415,667 | 985 |
| Average total loans | $559,709,000 | 1,074 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 2,916 |
| Cost of funding earning assets | 0.2221% | 2,503 |
| Net interest margin | 2.8978% | 2,848 |
| Noninterest income to average assets | 0.4727% | 2,288 |
| Noninterest expense to average assets | 1.8382% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9404% | 2,108 |
| Return on assets (ROA) | 0.9404% | 2,101 |
| Pretax return on assets | 1.2576% | 1,631 |
| Return on Equity (ROE) | 9.0198% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.0198% | 1,267 |
| Net charge-offs to loans | -0.0508% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9461% | 3,791 |
| Assets per employee ($millions) | 7.9844% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,768 |
| Loan loss allowance to noncurrent loans | 268.0601% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 1,830 |
| Noncurrent loans to loans | 0.4540% | 1,889 |
| Net loans and leases to total assets | 56.4231% | 2,493 |
| Net loans and leases to deposits | 64.5397% | 2,479 |
| Net loans and leases to core deposits | 68.5926% | 2,405 |
| Total domestic deposits to total assets | 87.4238% | 2,774 |
| Equity capital to assets | 10.3166% | 1,681 |
| Core capital (leverage) ratio | 9.3792% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6272% | 1,356 |
| Memoranda: | ||
| Average total assets | $957,031,000 | 1,024 |
| Average earning assets | $866,325,500 | 1,049 |
| Average equity | $99,780,500 | 991 |
| Average total loans | $551,430,500 | 1,078 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 2,486 |
| Cost of funding earning assets | 0.3196% | 2,201 |
| Net interest margin | 3.2404% | 2,484 |
| Noninterest income to average assets | 0.9064% | 1,184 |
| Noninterest expense to average assets | 2.1743% | 3,162 |
| Loan and lease loss provision to assets | 0.0741% | 1,625 |
| Net operating income to assets | 1.2187% | 1,863 |
| Return on assets (ROA) | 1.2264% | 1,880 |
| Pretax return on assets | 1.6578% | 1,251 |
| Return on Equity (ROE) | 10.8418% | 2,220 |
| Retained earnings to average equity (ytd only) | 0.2019% | 4,439 |
| Net charge-offs to loans | 0.0047% | 2,431 |
| Credit loss provision to net charge-offs | 2,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 581.2917% | 245 |
| Efficiency ratio | 53.9490% | 3,933 |
| Assets per employee ($millions) | 8.1722% | 1,232 |
| Cash dividends to net income (ytd only)* | 98.1379% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,039 |
| Loan loss allowance to noncurrent loans | 245.2158% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 1,922 |
| Noncurrent loans to loans | 0.4758% | 1,940 |
| Net loans and leases to total assets | 57.4108% | 2,436 |
| Net loans and leases to deposits | 65.7819% | 2,534 |
| Net loans and leases to core deposits | 70.2087% | 2,423 |
| Total domestic deposits to total assets | 87.2745% | 2,400 |
| Equity capital to assets | 10.4948% | 2,179 |
| Core capital (leverage) ratio | 9.5155% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9637% | 1,525 |
| Memoranda: | ||
| Average total assets | $810,089,800 | 1,149 |
| Average earning assets | $747,489,400 | 1,157 |
| Average equity | $91,636,400 | 1,083 |
| Average total loans | $511,931,400 | 1,142 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 2,454 |
| Cost of funding earning assets | 0.3455% | 2,163 |
| Net interest margin | 3.2935% | 2,433 |
| Noninterest income to average assets | 0.9220% | 1,211 |
| Noninterest expense to average assets | 2.2120% | 3,033 |
| Loan and lease loss provision to assets | 0.1037% | 1,165 |
| Net operating income to assets | 1.2485% | 1,995 |
| Return on assets (ROA) | 1.2593% | 2,015 |
| Pretax return on assets | 1.6775% | 1,465 |
| Return on Equity (ROE) | 10.8866% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.5372% | 3,393 |
| Net charge-offs to loans | 0.0384% | 1,316 |
| Credit loss provision to net charge-offs | 416.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 71.0278% | 1,059 |
| Efficiency ratio | 53.7824% | 3,839 |
| Assets per employee ($millions) | 7.7580% | 1,409 |
| Cash dividends to net income (ytd only)* | 58.3230% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,180 |
| Loan loss allowance to noncurrent loans | 216.6498% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 1,702 |
| Noncurrent loans to loans | 0.5341% | 1,978 |
| Net loans and leases to total assets | 60.3755% | 2,207 |
| Net loans and leases to deposits | 70.5579% | 2,182 |
| Net loans and leases to core deposits | 75.7901% | 2,069 |
| Total domestic deposits to total assets | 85.5686% | 2,924 |
| Equity capital to assets | 11.5322% | 1,648 |
| Core capital (leverage) ratio | 10.0955% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6690% | 1,439 |
| Memoranda: | ||
| Average total assets | $771,532,750 | 1,206 |
| Average earning assets | $716,254,750 | 1,208 |
| Average equity | $89,244,750 | 1,123 |
| Average total loans | $499,874,750 | 1,181 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 2,447 |
| Cost of funding earning assets | 0.3716% | 2,118 |
| Net interest margin | 3.2871% | 2,485 |
| Noninterest income to average assets | 0.8299% | 1,457 |
| Noninterest expense to average assets | 2.1337% | 3,290 |
| Loan and lease loss provision to assets | 0.1239% | 1,012 |
| Net operating income to assets | 1.2706% | 1,950 |
| Return on assets (ROA) | 1.2876% | 1,974 |
| Pretax return on assets | 1.6829% | 1,524 |
| Return on Equity (ROE) | 11.1176% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.9559% | 2,448 |
| Net charge-offs to loans | 0.0511% | 1,110 |
| Credit loss provision to net charge-offs | 365.8537% | 803 |
| Earnings coverage of net charge-offs (x) | 52.6992% | 1,034 |
| Efficiency ratio | 53.2645% | 3,892 |
| Assets per employee ($millions) | 7.3314% | 1,579 |
| Cash dividends to net income (ytd only)* | 37.4332% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,425 |
| Loan loss allowance to noncurrent loans | 169.9486% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 1,604 |
| Noncurrent loans to loans | 0.6460% | 1,798 |
| Net loans and leases to total assets | 64.3381% | 1,907 |
| Net loans and leases to deposits | 75.5541% | 1,866 |
| Net loans and leases to core deposits | 80.6608% | 1,829 |
| Total domestic deposits to total assets | 85.1550% | 3,035 |
| Equity capital to assets | 11.8757% | 1,427 |
| Core capital (leverage) ratio | 11.8185% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0657% | 696 |
| Memoranda: | ||
| Average total assets | $726,147,000 | 1,255 |
| Average earning assets | $682,423,333 | 1,252 |
| Average equity | $84,100,667 | 1,171 |
| Average total loans | $481,687,333 | 1,221 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 3,044 |
| Cost of funding earning assets | 0.3987% | 2,108 |
| Net interest margin | 3.0614% | 3,103 |
| Noninterest income to average assets | 0.8575% | 1,440 |
| Noninterest expense to average assets | 2.0772% | 3,488 |
| Loan and lease loss provision to assets | 0.1663% | 754 |
| Net operating income to assets | 1.1236% | 2,406 |
| Return on assets (ROA) | 1.1236% | 2,478 |
| Pretax return on assets | 1.5086% | 1,968 |
| Return on Equity (ROE) | 9.8712% | 2,739 |
| Retained earnings to average equity (ytd only) | 9.8712% | 1,689 |
| Net charge-offs to loans | 0.0651% | 885 |
| Credit loss provision to net charge-offs | 380.2817% | 672 |
| Earnings coverage of net charge-offs (x) | 38.2958% | 999 |
| Efficiency ratio | 53.9813% | 3,780 |
| Assets per employee ($millions) | 7.5712% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,888 |
| Loan loss allowance to noncurrent loans | 154.1427% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 1,144 |
| Noncurrent loans to loans | 0.9186% | 1,472 |
| Net loans and leases to total assets | 63.6235% | 2,092 |
| Net loans and leases to deposits | 73.3733% | 2,174 |
| Net loans and leases to core deposits | 77.7471% | 2,210 |
| Total domestic deposits to total assets | 86.7120% | 2,438 |
| Equity capital to assets | 11.0465% | 1,826 |
| Core capital (leverage) ratio | 11.5498% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1987% | 894 |
| Memoranda: | ||
| Average total assets | $649,338,000 | 1,357 |
| Average earning assets | $613,974,000 | 1,347 |
| Average equity | $73,912,000 | 1,294 |
| Average total loans | $436,377,500 | 1,313 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 2,401 |
| Cost of funding earning assets | 0.5742% | 2,486 |
| Net interest margin | 3.5328% | 2,361 |
| Noninterest income to average assets | 1.0878% | 901 |
| Noninterest expense to average assets | 2.2322% | 3,585 |
| Loan and lease loss provision to assets | 0.3291% | 1,094 |
| Net operating income to assets | 1.3656% | 1,094 |
| Return on assets (ROA) | 1.3866% | 1,142 |
| Pretax return on assets | 1.8733% | 583 |
| Return on Equity (ROE) | 10.9823% | 1,630 |
| Retained earnings to average equity (ytd only) | 0.2900% | 4,432 |
| Net charge-offs to loans | 0.1421% | 1,136 |
| Credit loss provision to net charge-offs | 314.0097% | 1,686 |
| Earnings coverage of net charge-offs (x) | 20.7617% | 1,927 |
| Efficiency ratio | 49.6842% | 4,551 |
| Assets per employee ($millions) | 7.1007% | 1,511 |
| Cash dividends to net income (ytd only)* | 97.3591% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,143 |
| Loan loss allowance to noncurrent loans | 181.1246% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 1,533 |
| Noncurrent loans to loans | 0.7514% | 1,821 |
| Net loans and leases to total assets | 69.1224% | 1,670 |
| Net loans and leases to deposits | 80.4976% | 1,811 |
| Net loans and leases to core deposits | 85.3998% | 1,916 |
| Total domestic deposits to total assets | 85.8689% | 2,418 |
| Equity capital to assets | 11.7646% | 1,696 |
| Core capital (leverage) ratio | 11.7519% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6356% | 956 |
| Memoranda: | ||
| Average total assets | $592,586,000 | 1,342 |
| Average earning assets | $556,917,800 | 1,330 |
| Average equity | $74,820,400 | 1,221 |
| Average total loans | $437,083,800 | 1,260 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,412 |
| Cost of funding earning assets | 0.6189% | 2,494 |
| Net interest margin | 3.5768% | 2,343 |
| Noninterest income to average assets | 0.9553% | 1,110 |
| Noninterest expense to average assets | 2.1430% | 3,841 |
| Loan and lease loss provision to assets | 0.2965% | 1,363 |
| Net operating income to assets | 1.3851% | 1,136 |
| Return on assets (ROA) | 1.4136% | 1,159 |
| Pretax return on assets | 1.9106% | 618 |
| Return on Equity (ROE) | 10.9950% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.9950% | 577 |
| Net charge-offs to loans | 0.1819% | 823 |
| Credit loss provision to net charge-offs | 218.1208% | 2,043 |
| Earnings coverage of net charge-offs (x) | 15.9698% | 2,078 |
| Efficiency ratio | 48.7390% | 4,566 |
| Assets per employee ($millions) | 6.8956% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,756 |
| Loan loss allowance to noncurrent loans | 117.4373% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,197 |
| Noncurrent loans to loans | 1.0087% | 1,480 |
| Net loans and leases to total assets | 71.6970% | 1,714 |
| Net loans and leases to deposits | 84.6681% | 1,841 |
| Net loans and leases to core deposits | 89.6011% | 2,008 |
| Total domestic deposits to total assets | 84.6800% | 2,563 |
| Equity capital to assets | 12.7853% | 1,287 |
| Core capital (leverage) ratio | 12.9179% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5735% | 828 |
| Memoranda: | ||
| Average total assets | $584,518,000 | 1,340 |
| Average earning assets | $548,887,000 | 1,327 |
| Average equity | $75,147,500 | 1,209 |
| Average total loans | $436,885,750 | 1,254 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,392 |
| Cost of funding earning assets | 0.6899% | 2,448 |
| Net interest margin | 3.6412% | 2,343 |
| Noninterest income to average assets | 0.8716% | 1,235 |
| Noninterest expense to average assets | 2.1691% | 3,877 |
| Loan and lease loss provision to assets | 0.2533% | 1,666 |
| Net operating income to assets | 1.3730% | 1,170 |
| Return on assets (ROA) | 1.4166% | 1,171 |
| Pretax return on assets | 1.9211% | 652 |
| Return on Equity (ROE) | 10.9969% | 1,632 |
| Retained earnings to average equity (ytd only) | 10.9969% | 604 |
| Net charge-offs to loans | 0.0944% | 1,318 |
| Credit loss provision to net charge-offs | 355.3922% | 1,499 |
| Earnings coverage of net charge-offs (x) | 29.7353% | 1,443 |
| Efficiency ratio | 49.6619% | 4,515 |
| Assets per employee ($millions) | 6.4051% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,736 |
| Loan loss allowance to noncurrent loans | 140.8532% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 1,431 |
| Noncurrent loans to loans | 0.8230% | 1,851 |
| Net loans and leases to total assets | 73.7359% | 1,448 |
| Net loans and leases to deposits | 87.5020% | 1,611 |
| Net loans and leases to core deposits | 93.6556% | 1,775 |
| Total domestic deposits to total assets | 84.2677% | 2,653 |
| Equity capital to assets | 12.9418% | 1,191 |
| Core capital (leverage) ratio | 13.2837% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3767% | 862 |
| Memoranda: | ||
| Average total assets | $572,490,333 | 1,345 |
| Average earning assets | $537,185,000 | 1,333 |
| Average equity | $73,748,000 | 1,216 |
| Average total loans | $432,419,000 | 1,249 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 2,294 |
| Cost of funding earning assets | 0.7711% | 2,539 |
| Net interest margin | 3.7367% | 2,192 |
| Noninterest income to average assets | 0.5798% | 2,132 |
| Noninterest expense to average assets | 2.2364% | 3,920 |
| Loan and lease loss provision to assets | 0.1605% | 1,801 |
| Net operating income to assets | 1.2367% | 1,414 |
| Return on assets (ROA) | 1.3257% | 1,266 |
| Pretax return on assets | 1.7964% | 708 |
| Return on Equity (ROE) | 10.3168% | 1,637 |
| Retained earnings to average equity (ytd only) | 10.3168% | 687 |
| Net charge-offs to loans | 0.0985% | 1,091 |
| Credit loss provision to net charge-offs | 214.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 24.6286% | 1,296 |
| Efficiency ratio | 53.8448% | 4,407 |
| Assets per employee ($millions) | 5.9715% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,132 |
| Loan loss allowance to noncurrent loans | 191.6095% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 1,790 |
| Noncurrent loans to loans | 0.5802% | 2,550 |
| Net loans and leases to total assets | 76.0789% | 1,292 |
| Net loans and leases to deposits | 89.7536% | 1,540 |
| Net loans and leases to core deposits | 101.6145% | 1,353 |
| Total domestic deposits to total assets | 84.7641% | 2,502 |
| Equity capital to assets | 13.0830% | 1,385 |
| Core capital (leverage) ratio | 13.4330% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6432% | 909 |
| Memoranda: | ||
| Average total assets | $560,899,000 | 1,334 |
| Average earning assets | $525,483,500 | 1,320 |
| Average equity | $72,076,500 | 1,236 |
| Average total loans | $426,440,500 | 1,230 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 2,744 |
| Cost of funding earning assets | 0.7669% | 2,840 |
| Net interest margin | 3.7945% | 2,513 |
| Noninterest income to average assets | 0.5578% | 2,434 |
| Noninterest expense to average assets | 2.2611% | 4,043 |
| Loan and lease loss provision to assets | 0.1966% | 1,033 |
| Net operating income to assets | 1.2386% | 1,911 |
| Return on assets (ROA) | 1.2390% | 1,992 |
| Pretax return on assets | 1.6658% | 1,284 |
| Return on Equity (ROE) | 9.4258% | 2,558 |
| Retained earnings to average equity (ytd only) | 3.5416% | 3,228 |
| Net charge-offs to loans | 0.1946% | 1,040 |
| Credit loss provision to net charge-offs | 132.1909% | 1,925 |
| Earnings coverage of net charge-offs (x) | 12.5214% | 2,410 |
| Efficiency ratio | 53.7786% | 4,445 |
| Assets per employee ($millions) | 6.0176% | 1,623 |
| Cash dividends to net income (ytd only)* | 62.4266% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,016 |
| Loan loss allowance to noncurrent loans | 167.6684% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,651 |
| Noncurrent loans to loans | 0.6489% | 2,269 |
| Net loans and leases to total assets | 74.4259% | 1,677 |
| Net loans and leases to deposits | 87.1060% | 1,956 |
| Net loans and leases to core deposits | 97.4124% | 1,778 |
| Total domestic deposits to total assets | 85.4429% | 2,323 |
| Equity capital to assets | 12.9270% | 1,566 |
| Core capital (leverage) ratio | 12.9638% | 1,252 |
| Tier 1 risk-based capital ratio | 18.0588% | 1,744 |
| Total risk-based capital ratio | 19.2049% | 1,722 |
| Memoranda: | ||
| Average total assets | $549,467,400 | 1,306 |
| Average earning assets | $516,242,400 | 1,298 |
| Average equity | $72,227,200 | 1,192 |
| Average total loans | $419,897,000 | 1,218 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 2,872 |
| Cost of funding earning assets | 0.7543% | 2,950 |
| Net interest margin | 3.8016% | 2,589 |
| Noninterest income to average assets | 0.5327% | 2,547 |
| Noninterest expense to average assets | 2.2595% | 4,052 |
| Loan and lease loss provision to assets | 0.2200% | 777 |
| Net operating income to assets | 1.2117% | 2,154 |
| Return on assets (ROA) | 1.2122% | 2,226 |
| Pretax return on assets | 1.6268% | 1,537 |
| Return on Equity (ROE) | 9.1827% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.1827% | 995 |
| Net charge-offs to loans | 0.2141% | 826 |
| Credit loss provision to net charge-offs | 133.9286% | 1,782 |
| Earnings coverage of net charge-offs (x) | 11.2381% | 2,452 |
| Efficiency ratio | 53.9446% | 4,402 |
| Assets per employee ($millions) | 5.8908% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,098 |
| Loan loss allowance to noncurrent loans | 160.7768% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 1,649 |
| Noncurrent loans to loans | 0.6760% | 2,268 |
| Net loans and leases to total assets | 74.7284% | 1,688 |
| Net loans and leases to deposits | 88.2445% | 1,903 |
| Net loans and leases to core deposits | 99.0090% | 1,742 |
| Total domestic deposits to total assets | 84.6834% | 2,546 |
| Equity capital to assets | 13.4897% | 1,373 |
| Core capital (leverage) ratio | 13.6407% | 1,096 |
| Tier 1 risk-based capital ratio | 18.8052% | 1,608 |
| Total risk-based capital ratio | 19.9524% | 1,609 |
| Memoranda: | ||
| Average total assets | $545,420,750 | 1,323 |
| Average earning assets | $512,613,000 | 1,309 |
| Average equity | $72,003,500 | 1,191 |
| Average total loans | $418,465,250 | 1,229 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 2,949 |
| Cost of funding earning assets | 0.7317% | 2,987 |
| Net interest margin | 3.7888% | 2,614 |
| Noninterest income to average assets | 0.5097% | 2,623 |
| Noninterest expense to average assets | 2.2179% | 4,186 |
| Loan and lease loss provision to assets | 0.2663% | 568 |
| Net operating income to assets | 1.1846% | 2,208 |
| Return on assets (ROA) | 1.1852% | 2,270 |
| Pretax return on assets | 1.5887% | 1,580 |
| Return on Equity (ROE) | 9.0457% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.0457% | 1,023 |
| Net charge-offs to loans | 0.2230% | 755 |
| Credit loss provision to net charge-offs | 154.8387% | 1,452 |
| Earnings coverage of net charge-offs (x) | 10.7806% | 2,240 |
| Efficiency ratio | 53.3382% | 4,531 |
| Assets per employee ($millions) | 5.7707% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,040 |
| Loan loss allowance to noncurrent loans | 112.4848% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 1,415 |
| Noncurrent loans to loans | 0.9833% | 1,660 |
| Net loans and leases to total assets | 76.1825% | 1,516 |
| Net loans and leases to deposits | 90.0464% | 1,732 |
| Net loans and leases to core deposits | 101.9542% | 1,559 |
| Total domestic deposits to total assets | 84.6035% | 2,641 |
| Equity capital to assets | 13.5323% | 1,304 |
| Core capital (leverage) ratio | 13.8051% | 1,023 |
| Tier 1 risk-based capital ratio | 18.7320% | 1,613 |
| Total risk-based capital ratio | 19.9094% | 1,590 |
| Memoranda: | ||
| Average total assets | $540,684,670 | 1,335 |
| Average earning assets | $508,393,000 | 1,318 |
| Average equity | $70,840,670 | 1,201 |
| Average total loans | $417,021,330 | 1,231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,868 |
| Cost of funding earning assets | 0.6911% | 3,102 |
| Net interest margin | 3.8080% | 2,497 |
| Noninterest income to average assets | 0.5669% | 2,197 |
| Noninterest expense to average assets | 2.1563% | 4,357 |
| Loan and lease loss provision to assets | 0.3335% | 368 |
| Net operating income to assets | 1.2296% | 1,948 |
| Return on assets (ROA) | 1.2308% | 1,993 |
| Pretax return on assets | 1.6554% | 1,325 |
| Return on Equity (ROE) | 9.5517% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.5517% | 1,145 |
| Net charge-offs to loans | 0.4628% | 333 |
| Credit loss provision to net charge-offs | 93.3610% | 1,689 |
| Earnings coverage of net charge-offs (x) | 5.5643% | 2,254 |
| Efficiency ratio | 50.9120% | 4,767 |
| Assets per employee ($millions) | 5.6643% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,456 |
| Loan loss allowance to noncurrent loans | 156.6679% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,882 |
| Noncurrent loans to loans | 0.6648% | 2,355 |
| Net loans and leases to total assets | 77.3622% | 1,258 |
| Net loans and leases to deposits | 91.0539% | 1,506 |
| Net loans and leases to core deposits | 101.7901% | 1,483 |
| Total domestic deposits to total assets | 84.9630% | 2,691 |
| Equity capital to assets | 13.2897% | 1,297 |
| Core capital (leverage) ratio | 13.4351% | 1,106 |
| Tier 1 risk-based capital ratio | 18.5109% | 1,662 |
| Total risk-based capital ratio | 19.6260% | 1,636 |
| Memoranda: | ||
| Average total assets | $539,802,500 | 1,339 |
| Average earning assets | $507,034,500 | 1,328 |
| Average equity | $69,558,000 | 1,211 |
| Average total loans | $416,595,500 | 1,241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 3,127 |
| Cost of funding earning assets | 0.5382% | 3,127 |
| Net interest margin | 3.7580% | 2,833 |
| Noninterest income to average assets | 0.5502% | 2,543 |
| Noninterest expense to average assets | 2.2904% | 4,145 |
| Loan and lease loss provision to assets | 0.1836% | 1,060 |
| Net operating income to assets | 1.2190% | 2,089 |
| Return on assets (ROA) | 1.2115% | 2,112 |
| Pretax return on assets | 1.6015% | 1,465 |
| Return on Equity (ROE) | 9.8218% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.8218% | 648 |
| Net charge-offs to loans | 0.1311% | 1,440 |
| Credit loss provision to net charge-offs | 190.7514% | 1,498 |
| Earnings coverage of net charge-offs (x) | 18.6455% | 2,120 |
| Efficiency ratio | 54.8302% | 4,540 |
| Assets per employee ($millions) | 5.8874% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,400 |
| Loan loss allowance to noncurrent loans | 136.4261% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 1,715 |
| Noncurrent loans to loans | 0.7677% | 2,083 |
| Net loans and leases to total assets | 75.3538% | 1,721 |
| Net loans and leases to deposits | 87.8299% | 2,063 |
| Net loans and leases to core deposits | 97.1982% | 1,952 |
| Total domestic deposits to total assets | 85.7952% | 2,328 |
| Equity capital to assets | 12.3183% | 1,687 |
| Core capital (leverage) ratio | 12.8883% | 1,289 |
| Tier 1 risk-based capital ratio | 17.9931% | 1,756 |
| Total risk-based capital ratio | 19.1114% | 1,752 |
| Memoranda: | ||
| Average total assets | $539,239,200 | 1,313 |
| Average earning assets | $507,211,000 | 1,294 |
| Average equity | $66,515,000 | 1,213 |
| Average total loans | $395,878,800 | 1,267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 3,220 |
| Cost of funding earning assets | 0.5010% | 3,192 |
| Net interest margin | 3.7257% | 2,911 |
| Noninterest income to average assets | 0.5143% | 2,774 |
| Noninterest expense to average assets | 2.2815% | 4,146 |
| Loan and lease loss provision to assets | 0.1899% | 940 |
| Net operating income to assets | 1.1737% | 2,346 |
| Return on assets (ROA) | 1.1797% | 2,325 |
| Pretax return on assets | 1.5593% | 1,709 |
| Return on Equity (ROE) | 9.5609% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.5609% | 1,036 |
| Net charge-offs to loans | 0.1475% | 1,119 |
| Credit loss provision to net charge-offs | 177.0833% | 1,518 |
| Earnings coverage of net charge-offs (x) | 16.2406% | 2,172 |
| Efficiency ratio | 55.4294% | 4,456 |
| Assets per employee ($millions) | 5.7584% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,528 |
| Loan loss allowance to noncurrent loans | 177.8385% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 2,348 |
| Noncurrent loans to loans | 0.5851% | 2,624 |
| Net loans and leases to total assets | 72.0099% | 2,326 |
| Net loans and leases to deposits | 83.7217% | 2,633 |
| Net loans and leases to core deposits | 93.6689% | 2,323 |
| Total domestic deposits to total assets | 86.0110% | 2,183 |
| Equity capital to assets | 12.1824% | 1,781 |
| Core capital (leverage) ratio | 12.9863% | 1,284 |
| Tier 1 risk-based capital ratio | 18.6431% | 1,631 |
| Total risk-based capital ratio | 19.7467% | 1,629 |
| Memoranda: | ||
| Average total assets | $537,167,750 | 1,321 |
| Average earning assets | $505,880,250 | 1,298 |
| Average equity | $66,282,250 | 1,215 |
| Average total loans | $390,611,500 | 1,285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 3,106 |
| Cost of funding earning assets | 0.4597% | 3,289 |
| Net interest margin | 3.7421% | 2,778 |
| Noninterest income to average assets | 0.5169% | 2,767 |
| Noninterest expense to average assets | 2.2651% | 4,222 |
| Loan and lease loss provision to assets | 0.1868% | 951 |
| Net operating income to assets | 1.2048% | 2,176 |
| Return on assets (ROA) | 1.2060% | 2,170 |
| Pretax return on assets | 1.5931% | 1,522 |
| Return on Equity (ROE) | 9.7299% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.7299% | 1,001 |
| Net charge-offs to loans | 0.1069% | 1,297 |
| Credit loss provision to net charge-offs | 240.2913% | 1,172 |
| Earnings coverage of net charge-offs (x) | 22.8786% | 1,727 |
| Efficiency ratio | 54.7126% | 4,614 |
| Assets per employee ($millions) | 5.6976% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,494 |
| Loan loss allowance to noncurrent loans | 194.1095% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,274 |
| Noncurrent loans to loans | 0.5448% | 2,786 |
| Net loans and leases to total assets | 73.1118% | 2,099 |
| Net loans and leases to deposits | 85.3527% | 2,395 |
| Net loans and leases to core deposits | 94.5896% | 2,172 |
| Total domestic deposits to total assets | 85.6585% | 2,427 |
| Equity capital to assets | 12.4962% | 1,536 |
| Core capital (leverage) ratio | 13.2189% | 1,153 |
| Tier 1 risk-based capital ratio | 18.8219% | 1,596 |
| Total risk-based capital ratio | 19.9497% | 1,588 |
| Memoranda: | ||
| Average total assets | $530,036,670 | 1,337 |
| Average earning assets | $499,502,330 | 1,317 |
| Average equity | $65,694,330 | 1,223 |
| Average total loans | $385,332,670 | 1,297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 3,171 |
| Cost of funding earning assets | 0.4219% | 3,431 |
| Net interest margin | 3.6973% | 2,807 |
| Noninterest income to average assets | 0.5288% | 2,639 |
| Noninterest expense to average assets | 2.2349% | 4,338 |
| Loan and lease loss provision to assets | 0.1707% | 1,035 |
| Net operating income to assets | 1.2290% | 1,898 |
| Return on assets (ROA) | 1.2290% | 1,907 |
| Pretax return on assets | 1.6136% | 1,354 |
| Return on Equity (ROE) | 9.9572% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.9572% | 1,174 |
| Net charge-offs to loans | 0.0821% | 1,314 |
| Credit loss provision to net charge-offs | 288.4615% | 841 |
| Earnings coverage of net charge-offs (x) | 30.1538% | 1,236 |
| Efficiency ratio | 54.2658% | 4,772 |
| Assets per employee ($millions) | 5.8065% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,724 |
| Loan loss allowance to noncurrent loans | 195.2197% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,338 |
| Noncurrent loans to loans | 0.5329% | 2,927 |
| Net loans and leases to total assets | 71.2220% | 2,292 |
| Net loans and leases to deposits | 83.0551% | 2,496 |
| Net loans and leases to core deposits | 91.5799% | 2,330 |
| Total domestic deposits to total assets | 85.7526% | 2,651 |
| Equity capital to assets | 12.1011% | 1,713 |
| Core capital (leverage) ratio | 13.0840% | 1,149 |
| Tier 1 risk-based capital ratio | 18.7374% | 1,622 |
| Total risk-based capital ratio | 19.8479% | 1,631 |
| Memoranda: | ||
| Average total assets | $527,270,000 | 1,356 |
| Average earning assets | $497,768,000 | 1,331 |
| Average equity | $65,078,500 | 1,234 |
| Average total loans | $380,124,000 | 1,317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 3,223 |
| Cost of funding earning assets | 0.3630% | 3,589 |
| Net interest margin | 3.6923% | 2,822 |
| Noninterest income to average assets | 0.6149% | 2,380 |
| Noninterest expense to average assets | 2.1963% | 4,535 |
| Loan and lease loss provision to assets | 0.2048% | 1,004 |
| Net operating income to assets | 1.1018% | 1,851 |
| Return on assets (ROA) | 1.1263% | 1,793 |
| Pretax return on assets | 1.7249% | 952 |
| Return on Equity (ROE) | 8.8463% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.8902% | 2,872 |
| Net charge-offs to loans | 0.1996% | 1,289 |
| Credit loss provision to net charge-offs | 147.1409% | 1,809 |
| Earnings coverage of net charge-offs (x) | 13.5914% | 2,383 |
| Efficiency ratio | 52.2297% | 5,088 |
| Assets per employee ($millions) | 5.6605% | 1,780 |
| Cash dividends to net income (ytd only)* | 56.0248% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,633 |
| Loan loss allowance to noncurrent loans | 177.0909% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 2,150 |
| Noncurrent loans to loans | 0.5920% | 2,741 |
| Net loans and leases to total assets | 71.3857% | 2,322 |
| Net loans and leases to deposits | 83.8320% | 2,510 |
| Net loans and leases to core deposits | 86.3941% | 2,884 |
| Total domestic deposits to total assets | 85.1532% | 2,778 |
| Equity capital to assets | 12.7482% | 1,386 |
| Core capital (leverage) ratio | 13.0755% | 1,122 |
| Tier 1 risk-based capital ratio | 19.2131% | 1,467 |
| Total risk-based capital ratio | 20.3336% | 1,454 |
| Memoranda: | ||
| Average total assets | $515,047,400 | 1,357 |
| Average earning assets | $484,519,400 | 1,345 |
| Average equity | $65,575,400 | 1,218 |
| Average total loans | $359,190,200 | 1,349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,261 |
| Cost of funding earning assets | 0.3628% | 3,525 |
| Net interest margin | 3.6631% | 2,902 |
| Noninterest income to average assets | 0.6107% | 2,420 |
| Noninterest expense to average assets | 2.1733% | 4,582 |
| Loan and lease loss provision to assets | 0.2175% | 853 |
| Net operating income to assets | 1.0830% | 2,160 |
| Return on assets (ROA) | 1.1212% | 2,054 |
| Pretax return on assets | 1.7213% | 1,071 |
| Return on Equity (ROE) | 8.8090% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.8090% | 910 |
| Net charge-offs to loans | 0.2116% | 1,016 |
| Credit loss provision to net charge-offs | 148.6726% | 1,703 |
| Earnings coverage of net charge-offs (x) | 12.8532% | 2,396 |
| Efficiency ratio | 52.0853% | 5,093 |
| Assets per employee ($millions) | 5.9233% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,691 |
| Loan loss allowance to noncurrent loans | 177.8654% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 2,341 |
| Noncurrent loans to loans | 0.5996% | 2,910 |
| Net loans and leases to total assets | 68.2197% | 2,808 |
| Net loans and leases to deposits | 80.4098% | 2,932 |
| Net loans and leases to core deposits | 83.7404% | 3,148 |
| Total domestic deposits to total assets | 84.8400% | 2,780 |
| Equity capital to assets | 13.0612% | 1,354 |
| Core capital (leverage) ratio | 13.2177% | 1,125 |
| Tier 1 risk-based capital ratio | 20.3543% | 1,298 |
| Total risk-based capital ratio | 21.4925% | 1,287 |
| Memoranda: | ||
| Average total assets | $515,033,750 | 1,371 |
| Average earning assets | $484,028,250 | 1,356 |
| Average equity | $65,552,750 | 1,223 |
| Average total loans | $356,086,500 | 1,374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 3,166 |
| Cost of funding earning assets | 0.3629% | 3,452 |
| Net interest margin | 3.6493% | 2,843 |
| Noninterest income to average assets | 0.5217% | 2,888 |
| Noninterest expense to average assets | 2.1694% | 4,629 |
| Loan and lease loss provision to assets | 0.1813% | 1,043 |
| Net operating income to assets | 1.0653% | 2,142 |
| Return on assets (ROA) | 1.1026% | 2,009 |
| Pretax return on assets | 1.6574% | 1,170 |
| Return on Equity (ROE) | 8.7406% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.7406% | 922 |
| Net charge-offs to loans | 0.1764% | 1,121 |
| Credit loss provision to net charge-offs | 148.5623% | 1,533 |
| Earnings coverage of net charge-offs (x) | 14.6102% | 2,060 |
| Efficiency ratio | 53.2899% | 5,074 |
| Assets per employee ($millions) | 5.8173% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,036 |
| Loan loss allowance to noncurrent loans | 190.0615% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,307 |
| Noncurrent loans to loans | 0.5360% | 3,149 |
| Net loans and leases to total assets | 70.4130% | 2,463 |
| Net loans and leases to deposits | 82.9711% | 2,602 |
| Net loans and leases to core deposits | 86.6500% | 2,820 |
| Total domestic deposits to total assets | 84.8644% | 2,862 |
| Equity capital to assets | 13.0335% | 1,364 |
| Core capital (leverage) ratio | 13.2608% | 1,071 |
| Tier 1 risk-based capital ratio | 19.7134% | 1,432 |
| Total risk-based capital ratio | 20.8050% | 1,420 |
| Memoranda: | ||
| Average total assets | $512,960,670 | 1,380 |
| Average earning assets | $482,226,000 | 1,363 |
| Average equity | $64,709,670 | 1,236 |
| Average total loans | $354,972,000 | 1,377 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,165 |
| Cost of funding earning assets | 0.3616% | 3,394 |
| Net interest margin | 3.6009% | 2,884 |
| Noninterest income to average assets | 0.5422% | 2,697 |
| Noninterest expense to average assets | 2.1648% | 4,732 |
| Loan and lease loss provision to assets | 0.2103% | 775 |
| Net operating income to assets | 1.0329% | 2,152 |
| Return on assets (ROA) | 1.0345% | 2,198 |
| Pretax return on assets | 1.5518% | 1,374 |
| Return on Equity (ROE) | 8.3386% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.3386% | 1,331 |
| Net charge-offs to loans | 0.2671% | 684 |
| Credit loss provision to net charge-offs | 115.3846% | 1,437 |
| Earnings coverage of net charge-offs (x) | 9.6538% | 1,983 |
| Efficiency ratio | 53.5331% | 5,170 |
| Assets per employee ($millions) | 5.7390% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,221 |
| Loan loss allowance to noncurrent loans | 206.9085% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 2,441 |
| Noncurrent loans to loans | 0.4880% | 3,342 |
| Net loans and leases to total assets | 68.2101% | 2,645 |
| Net loans and leases to deposits | 79.8037% | 2,775 |
| Net loans and leases to core deposits | 83.8855% | 2,910 |
| Total domestic deposits to total assets | 85.4724% | 2,894 |
| Equity capital to assets | 12.4880% | 1,543 |
| Core capital (leverage) ratio | 12.6817% | 1,255 |
| Tier 1 risk-based capital ratio | 19.6286% | 1,474 |
| Total risk-based capital ratio | 20.7063% | 1,472 |
| Memoranda: | ||
| Average total assets | $513,481,000 | 1,383 |
| Average earning assets | $482,323,000 | 1,366 |
| Average equity | $63,704,000 | 1,248 |
| Average total loans | $350,374,000 | 1,399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,337 |
| Cost of funding earning assets | 0.3685% | 3,329 |
| Net interest margin | 3.5938% | 3,084 |
| Noninterest income to average assets | 0.6255% | 2,526 |
| Noninterest expense to average assets | 2.1891% | 4,798 |
| Loan and lease loss provision to assets | 0.3303% | 539 |
| Net operating income to assets | 1.0076% | 2,325 |
| Return on assets (ROA) | 1.0447% | 2,267 |
| Pretax return on assets | 1.5517% | 1,427 |
| Return on Equity (ROE) | 8.1296% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.8328% | 3,192 |
| Net charge-offs to loans | 0.5727% | 405 |
| Credit loss provision to net charge-offs | 84.6629% | 2,901 |
| Earnings coverage of net charge-offs (x) | 4.6819% | 3,463 |
| Efficiency ratio | 52.7476% | 5,330 |
| Assets per employee ($millions) | 5.5463% | 1,828 |
| Cash dividends to net income (ytd only)* | 52.8541% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,129 |
| Loan loss allowance to noncurrent loans | 108.1130% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 1,753 |
| Noncurrent loans to loans | 0.9544% | 2,177 |
| Net loans and leases to total assets | 66.8835% | 2,948 |
| Net loans and leases to deposits | 78.0391% | 3,098 |
| Net loans and leases to core deposits | 82.4456% | 3,181 |
| Total domestic deposits to total assets | 85.7052% | 2,728 |
| Equity capital to assets | 12.3820% | 1,589 |
| Core capital (leverage) ratio | 12.6083% | 1,298 |
| Tier 1 risk-based capital ratio | 19.8995% | 1,395 |
| Total risk-based capital ratio | 21.0021% | 1,396 |
| Memoranda: | ||
| Average total assets | $498,024,200 | 1,384 |
| Average earning assets | $469,804,000 | 1,347 |
| Average equity | $64,001,000 | 1,227 |
| Average total loans | $339,258,600 | 1,380 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,288 |
| Cost of funding earning assets | 0.3672% | 3,363 |
| Net interest margin | 3.6176% | 3,013 |
| Noninterest income to average assets | 0.6258% | 2,545 |
| Noninterest expense to average assets | 2.1884% | 4,801 |
| Loan and lease loss provision to assets | 0.3946% | 370 |
| Net operating income to assets | 0.9836% | 2,503 |
| Return on assets (ROA) | 1.0314% | 2,411 |
| Pretax return on assets | 1.5300% | 1,610 |
| Return on Equity (ROE) | 7.9513% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.9513% | 1,193 |
| Net charge-offs to loans | 0.6476% | 313 |
| Credit loss provision to net charge-offs | 89.2748% | 2,542 |
| Earnings coverage of net charge-offs (x) | 4.1926% | 3,304 |
| Efficiency ratio | 52.3594% | 5,364 |
| Assets per employee ($millions) | 5.4406% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,924 |
| Loan loss allowance to noncurrent loans | 112.4351% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 2,024 |
| Noncurrent loans to loans | 0.9636% | 2,312 |
| Net loans and leases to total assets | 65.6956% | 3,170 |
| Net loans and leases to deposits | 77.3022% | 3,264 |
| Net loans and leases to core deposits | 81.5985% | 3,315 |
| Total domestic deposits to total assets | 84.9854% | 2,813 |
| Equity capital to assets | 12.9858% | 1,494 |
| Core capital (leverage) ratio | 12.9390% | 1,213 |
| Tier 1 risk-based capital ratio | 20.4706% | 1,357 |
| Total risk-based capital ratio | 21.6196% | 1,345 |
| Memoranda: | ||
| Average total assets | $494,964,500 | 1,399 |
| Average earning assets | $467,371,750 | 1,357 |
| Average equity | $64,206,000 | 1,229 |
| Average total loans | $337,863,250 | 1,386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,199 |
| Cost of funding earning assets | 0.3674% | 3,383 |
| Net interest margin | 3.6446% | 2,918 |
| Noninterest income to average assets | 0.6427% | 2,405 |
| Noninterest expense to average assets | 2.1774% | 4,898 |
| Loan and lease loss provision to assets | 0.5802% | 193 |
| Net operating income to assets | 0.9052% | 2,833 |
| Return on assets (ROA) | 0.9680% | 2,679 |
| Pretax return on assets | 1.4231% | 1,937 |
| Return on Equity (ROE) | 7.4649% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.4649% | 1,405 |
| Net charge-offs to loans | 0.8925% | 217 |
| Credit loss provision to net charge-offs | 94.3522% | 2,193 |
| Earnings coverage of net charge-offs (x) | 3.1076% | 3,166 |
| Efficiency ratio | 51.4591% | 5,476 |
| Assets per employee ($millions) | 5.4188% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,884 |
| Loan loss allowance to noncurrent loans | 112.8704% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 2,249 |
| Noncurrent loans to loans | 0.9849% | 2,308 |
| Net loans and leases to total assets | 67.2853% | 2,895 |
| Net loans and leases to deposits | 79.2479% | 3,028 |
| Net loans and leases to core deposits | 84.3045% | 3,056 |
| Total domestic deposits to total assets | 84.9049% | 2,921 |
| Equity capital to assets | 13.0569% | 1,467 |
| Core capital (leverage) ratio | 13.1259% | 1,108 |
| Tier 1 risk-based capital ratio | 20.1281% | 1,433 |
| Total risk-based capital ratio | 21.3130% | 1,411 |
| Memoranda: | ||
| Average total assets | $489,479,000 | 1,414 |
| Average earning assets | $462,771,000 | 1,377 |
| Average equity | $63,470,670 | 1,245 |
| Average total loans | $337,264,000 | 1,382 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,020 |
| Cost of funding earning assets | 0.3670% | 3,430 |
| Net interest margin | 3.6875% | 2,718 |
| Noninterest income to average assets | 0.6445% | 2,297 |
| Noninterest expense to average assets | 2.2276% | 4,840 |
| Loan and lease loss provision to assets | 0.3873% | 368 |
| Net operating income to assets | 1.0258% | 2,178 |
| Return on assets (ROA) | 1.0821% | 2,078 |
| Pretax return on assets | 1.6079% | 1,271 |
| Return on Equity (ROE) | 8.3437% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.3437% | 1,327 |
| Net charge-offs to loans | 0.8246% | 250 |
| Credit loss provision to net charge-offs | 67.7233% | 1,918 |
| Earnings coverage of net charge-offs (x) | 3.3415% | 2,551 |
| Efficiency ratio | 52.0112% | 5,516 |
| Assets per employee ($millions) | 5.3537% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 4,098 |
| Loan loss allowance to noncurrent loans | 115.3016% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 2,404 |
| Noncurrent loans to loans | 0.9466% | 2,481 |
| Net loans and leases to total assets | 67.5556% | 2,721 |
| Net loans and leases to deposits | 79.6253% | 2,848 |
| Net loans and leases to core deposits | 85.1169% | 2,834 |
| Total domestic deposits to total assets | 84.8419% | 3,187 |
| Equity capital to assets | 13.0836% | 1,369 |
| Core capital (leverage) ratio | 13.1143% | 1,118 |
| Tier 1 risk-based capital ratio | 20.2728% | 1,446 |
| Total risk-based capital ratio | 21.4388% | 1,436 |
| Memoranda: | ||
| Average total assets | $485,355,500 | 1,427 |
| Average earning assets | $459,929,500 | 1,393 |
| Average equity | $62,945,500 | 1,248 |
| Average total loans | $336,666,000 | 1,377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,118 |
| Cost of funding earning assets | 0.3496% | 3,702 |
| Net interest margin | 3.6995% | 2,750 |
| Noninterest income to average assets | 0.6574% | 2,421 |
| Noninterest expense to average assets | 2.2460% | 4,934 |
| Loan and lease loss provision to assets | 0.2847% | 629 |
| Net operating income to assets | 1.0716% | 2,036 |
| Return on assets (ROA) | 1.1007% | 1,995 |
| Pretax return on assets | 1.6677% | 1,068 |
| Return on Equity (ROE) | 8.5551% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.3248% | 3,687 |
| Net charge-offs to loans | 0.5078% | 510 |
| Credit loss provision to net charge-offs | 82.1877% | 2,910 |
| Earnings coverage of net charge-offs (x) | 5.5087% | 3,380 |
| Efficiency ratio | 52.1258% | 5,628 |
| Assets per employee ($millions) | 5.3097% | 1,999 |
| Cash dividends to net income (ytd only)* | 61.1362% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,856 |
| Loan loss allowance to noncurrent loans | 125.4392% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 2,425 |
| Noncurrent loans to loans | 0.9026% | 2,534 |
| Net loans and leases to total assets | 69.6875% | 2,417 |
| Net loans and leases to deposits | 81.8473% | 2,608 |
| Net loans and leases to core deposits | 86.9197% | 2,703 |
| Total domestic deposits to total assets | 85.1433% | 3,021 |
| Equity capital to assets | 12.9655% | 1,366 |
| Core capital (leverage) ratio | 12.9555% | 1,160 |
| Tier 1 risk-based capital ratio | 19.6810% | 1,549 |
| Total risk-based capital ratio | 20.9089% | 1,524 |
| Memoranda: | ||
| Average total assets | $482,952,400 | 1,395 |
| Average earning assets | $456,490,000 | 1,356 |
| Average equity | $62,138,600 | 1,211 |
| Average total loans | $329,451,400 | 1,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,190 |
| Cost of funding earning assets | 0.3486% | 3,770 |
| Net interest margin | 3.6861% | 2,824 |
| Noninterest income to average assets | 0.6240% | 2,615 |
| Noninterest expense to average assets | 2.2345% | 4,953 |
| Loan and lease loss provision to assets | 0.1864% | 1,106 |
| Net operating income to assets | 1.1270% | 1,908 |
| Return on assets (ROA) | 1.1516% | 1,892 |
| Pretax return on assets | 1.7165% | 1,063 |
| Return on Equity (ROE) | 8.9680% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.9680% | 920 |
| Net charge-offs to loans | 0.3061% | 872 |
| Credit loss provision to net charge-offs | 90.0000% | 2,471 |
| Earnings coverage of net charge-offs (x) | 9.0120% | 2,747 |
| Efficiency ratio | 52.5249% | 5,614 |
| Assets per employee ($millions) | 5.2298% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 3,453 |
| Loan loss allowance to noncurrent loans | 105.2645% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 2,040 |
| Noncurrent loans to loans | 1.1738% | 2,180 |
| Net loans and leases to total assets | 67.0337% | 2,847 |
| Net loans and leases to deposits | 79.4568% | 2,940 |
| Net loans and leases to core deposits | 84.3588% | 3,004 |
| Total domestic deposits to total assets | 84.3649% | 3,281 |
| Equity capital to assets | 13.1604% | 1,369 |
| Core capital (leverage) ratio | 12.9906% | 1,205 |
| Tier 1 risk-based capital ratio | 20.8271% | 1,376 |
| Total risk-based capital ratio | 22.0782% | 1,348 |
| Memoranda: | ||
| Average total assets | $482,894,500 | 1,399 |
| Average earning assets | $455,466,000 | 1,367 |
| Average equity | $62,011,500 | 1,222 |
| Average total loans | $326,670,500 | 1,375 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 3,125 |
| Cost of funding earning assets | 0.3463% | 3,855 |
| Net interest margin | 3.6938% | 2,733 |
| Noninterest income to average assets | 0.6369% | 2,544 |
| Noninterest expense to average assets | 2.2324% | 5,022 |
| Loan and lease loss provision to assets | 0.1868% | 1,076 |
| Net operating income to assets | 1.1404% | 1,806 |
| Return on assets (ROA) | 1.1596% | 1,818 |
| Pretax return on assets | 1.7312% | 1,019 |
| Return on Equity (ROE) | 9.1058% | 2,482 |
| Retained earnings to average equity (ytd only) | 9.1058% | 889 |
| Net charge-offs to loans | 0.3379% | 779 |
| Credit loss provision to net charge-offs | 81.8182% | 2,305 |
| Earnings coverage of net charge-offs (x) | 8.2745% | 2,574 |
| Efficiency ratio | 52.1857% | 5,700 |
| Assets per employee ($millions) | 4.7222% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 3,587 |
| Loan loss allowance to noncurrent loans | 234.8783% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 3,157 |
| Noncurrent loans to loans | 0.5261% | 3,878 |
| Net loans and leases to total assets | 67.9411% | 2,654 |
| Net loans and leases to deposits | 80.4894% | 2,722 |
| Net loans and leases to core deposits | 85.8755% | 2,783 |
| Total domestic deposits to total assets | 84.4100% | 3,396 |
| Equity capital to assets | 13.1115% | 1,344 |
| Core capital (leverage) ratio | 13.0982% | 1,134 |
| Tier 1 risk-based capital ratio | 20.3451% | 1,477 |
| Total risk-based capital ratio | 21.5963% | 1,449 |
| Memoranda: | ||
| Average total assets | $481,734,330 | 1,416 |
| Average earning assets | $454,493,000 | 1,377 |
| Average equity | $61,345,670 | 1,241 |
| Average total loans | $325,522,670 | 1,376 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,110 |
| Cost of funding earning assets | 0.3438% | 3,942 |
| Net interest margin | 3.6892% | 2,658 |
| Noninterest income to average assets | 0.7205% | 2,065 |
| Noninterest expense to average assets | 2.1944% | 5,166 |
| Loan and lease loss provision to assets | 0.1859% | 1,019 |
| Net operating income to assets | 1.2083% | 1,523 |
| Return on assets (ROA) | 1.2459% | 1,503 |
| Pretax return on assets | 1.8813% | 743 |
| Return on Equity (ROE) | 9.9290% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.9290% | 946 |
| Net charge-offs to loans | 0.2184% | 1,074 |
| Credit loss provision to net charge-offs | 127.1186% | 1,392 |
| Earnings coverage of net charge-offs (x) | 13.7458% | 1,704 |
| Efficiency ratio | 50.2653% | 5,899 |
| Assets per employee ($millions) | 5.1433% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,416 |
| Loan loss allowance to noncurrent loans | 170.3974% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 2,792 |
| Noncurrent loans to loans | 0.7614% | 3,353 |
| Net loans and leases to total assets | 66.8334% | 2,629 |
| Net loans and leases to deposits | 78.6791% | 2,716 |
| Net loans and leases to core deposits | 84.0171% | 2,770 |
| Total domestic deposits to total assets | 84.9443% | 3,436 |
| Equity capital to assets | 12.8981% | 1,451 |
| Core capital (leverage) ratio | 12.5908% | 1,323 |
| Tier 1 risk-based capital ratio | 20.1396% | 1,585 |
| Total risk-based capital ratio | 21.3890% | 1,555 |
| Memoranda: | ||
| Average total assets | $484,131,000 | 1,411 |
| Average earning assets | $457,222,000 | 1,372 |
| Average equity | $60,751,500 | 1,262 |
| Average total loans | $324,237,500 | 1,382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,803 |
| Cost of funding earning assets | 0.3629% | 4,109 |
| Net interest margin | 3.6152% | 3,356 |
| Noninterest income to average assets | 0.5572% | 3,132 |
| Noninterest expense to average assets | 2.0866% | 5,604 |
| Loan and lease loss provision to assets | 0.3055% | 672 |
| Net operating income to assets | 1.0854% | 2,032 |
| Return on assets (ROA) | 1.1403% | 1,880 |
| Pretax return on assets | 1.6668% | 1,053 |
| Return on Equity (ROE) | 9.1436% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.1436% | 678 |
| Net charge-offs to loans | 0.4091% | 1,043 |
| Credit loss provision to net charge-offs | 114.8177% | 2,079 |
| Earnings coverage of net charge-offs (x) | 7.1102% | 3,086 |
| Efficiency ratio | 50.2724% | 6,079 |
| Assets per employee ($millions) | 5.2681% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 3,544 |
| Loan loss allowance to noncurrent loans | 106.6496% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 2,398 |
| Noncurrent loans to loans | 1.2000% | 2,450 |
| Net loans and leases to total assets | 65.4039% | 2,988 |
| Net loans and leases to deposits | 76.3093% | 3,167 |
| Net loans and leases to core deposits | 81.0726% | 3,191 |
| Total domestic deposits to total assets | 85.7090% | 2,979 |
| Equity capital to assets | 12.2073% | 1,854 |
| Core capital (leverage) ratio | 12.4486% | 1,378 |
| Tier 1 risk-based capital ratio | 19.5281% | 1,719 |
| Total risk-based capital ratio | 20.7759% | 1,687 |
| Memoranda: | ||
| Average total assets | $484,530,600 | 1,378 |
| Average earning assets | $458,476,200 | 1,341 |
| Average equity | $60,425,000 | 1,210 |
| Average total loans | $315,056,400 | 1,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,918 |
| Cost of funding earning assets | 0.3658% | 4,179 |
| Net interest margin | 3.5963% | 3,441 |
| Noninterest income to average assets | 0.5232% | 3,380 |
| Noninterest expense to average assets | 2.0798% | 5,621 |
| Loan and lease loss provision to assets | 0.2001% | 1,190 |
| Net operating income to assets | 1.0483% | 2,240 |
| Return on assets (ROA) | 1.0977% | 2,109 |
| Pretax return on assets | 1.7230% | 1,025 |
| Return on Equity (ROE) | 8.7553% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.7553% | 1,075 |
| Net charge-offs to loans | 0.2695% | 1,456 |
| Credit loss provision to net charge-offs | 114.7152% | 1,980 |
| Earnings coverage of net charge-offs (x) | 10.5838% | 2,529 |
| Efficiency ratio | 50.7381% | 6,068 |
| Assets per employee ($millions) | 5.2540% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,676 |
| Loan loss allowance to noncurrent loans | 136.5197% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 2,826 |
| Noncurrent loans to loans | 0.9475% | 3,194 |
| Net loans and leases to total assets | 64.0338% | 3,166 |
| Net loans and leases to deposits | 75.0378% | 3,306 |
| Net loans and leases to core deposits | 79.5972% | 3,363 |
| Total domestic deposits to total assets | 85.3355% | 3,193 |
| Equity capital to assets | 12.9764% | 1,438 |
| Core capital (leverage) ratio | 12.7290% | 1,292 |
| Tier 1 risk-based capital ratio | 21.1882% | 1,416 |
| Total risk-based capital ratio | 22.4401% | 1,392 |
| Memoranda: | ||
| Average total assets | $483,179,000 | 1,393 |
| Average earning assets | $457,125,000 | 1,353 |
| Average equity | $60,579,250 | 1,209 |
| Average total loans | $312,672,500 | 1,391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,932 |
| Cost of funding earning assets | 0.3620% | 4,299 |
| Net interest margin | 3.5873% | 3,419 |
| Noninterest income to average assets | 0.5547% | 3,082 |
| Noninterest expense to average assets | 2.0500% | 5,726 |
| Loan and lease loss provision to assets | 0.1242% | 1,987 |
| Net operating income to assets | 1.1301% | 1,819 |
| Return on assets (ROA) | 1.1558% | 1,812 |
| Pretax return on assets | 1.8252% | 806 |
| Return on Equity (ROE) | 9.3278% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.3278% | 876 |
| Net charge-offs to loans | 0.1729% | 2,010 |
| Credit loss provision to net charge-offs | 111.1111% | 1,803 |
| Earnings coverage of net charge-offs (x) | 17.0815% | 1,751 |
| Efficiency ratio | 49.5399% | 6,196 |
| Assets per employee ($millions) | 5.4312% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 3,894 |
| Loan loss allowance to noncurrent loans | 135.4478% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 2,905 |
| Noncurrent loans to loans | 0.9538% | 3,339 |
| Net loans and leases to total assets | 63.1135% | 3,221 |
| Net loans and leases to deposits | 73.8577% | 3,335 |
| Net loans and leases to core deposits | 78.8619% | 3,335 |
| Total domestic deposits to total assets | 85.4529% | 3,308 |
| Equity capital to assets | 12.7781% | 1,500 |
| Core capital (leverage) ratio | 12.7541% | 1,263 |
| Tier 1 risk-based capital ratio | 21.2753% | 1,392 |
| Total risk-based capital ratio | 22.5270% | 1,365 |
| Memoranda: | ||
| Average total assets | $483,115,000 | 1,388 |
| Average earning assets | $458,511,670 | 1,337 |
| Average equity | $59,864,330 | 1,219 |
| Average total loans | $312,371,000 | 1,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,810 |
| Cost of funding earning assets | 0.3629% | 4,410 |
| Net interest margin | 3.6075% | 3,223 |
| Noninterest income to average assets | 0.5698% | 2,919 |
| Noninterest expense to average assets | 2.0622% | 5,758 |
| Loan and lease loss provision to assets | 0.1242% | 1,947 |
| Net operating income to assets | 1.1398% | 1,667 |
| Return on assets (ROA) | 1.1785% | 1,609 |
| Pretax return on assets | 1.8684% | 698 |
| Return on Equity (ROE) | 9.6617% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.6617% | 1,060 |
| Net charge-offs to loans | 0.1758% | 1,667 |
| Credit loss provision to net charge-offs | 108.6957% | 1,553 |
| Earnings coverage of net charge-offs (x) | 16.9058% | 1,487 |
| Efficiency ratio | 49.3883% | 6,293 |
| Assets per employee ($millions) | 5.2434% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,272 |
| Loan loss allowance to noncurrent loans | 136.0835% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 3,261 |
| Noncurrent loans to loans | 0.9341% | 3,550 |
| Net loans and leases to total assets | 64.7040% | 2,776 |
| Net loans and leases to deposits | 75.5644% | 2,864 |
| Net loans and leases to core deposits | 80.4897% | 2,910 |
| Total domestic deposits to total assets | 85.6276% | 3,544 |
| Equity capital to assets | 12.5371% | 1,554 |
| Core capital (leverage) ratio | 12.4064% | 1,432 |
| Tier 1 risk-based capital ratio | 20.6299% | 1,554 |
| Total risk-based capital ratio | 21.8814% | 1,524 |
| Memoranda: | ||
| Average total assets | $482,982,500 | 1,397 |
| Average earning assets | $458,487,500 | 1,346 |
| Average equity | $58,913,000 | 1,240 |
| Average total loans | $314,021,000 | 1,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,614 |
| Cost of funding earning assets | 0.4164% | 4,466 |
| Net interest margin | 3.7155% | 2,993 |
| Noninterest income to average assets | 0.5848% | 3,184 |
| Noninterest expense to average assets | 2.1001% | 5,829 |
| Loan and lease loss provision to assets | 0.1925% | 1,920 |
| Net operating income to assets | 1.1839% | 1,630 |
| Return on assets (ROA) | 1.2072% | 1,609 |
| Pretax return on assets | 1.7744% | 802 |
| Return on Equity (ROE) | 9.8289% | 2,180 |
| Retained earnings to average equity (ytd only) | 4.0722% | 3,285 |
| Net charge-offs to loans | 0.4842% | 1,375 |
| Credit loss provision to net charge-offs | 63.9913% | 3,453 |
| Earnings coverage of net charge-offs (x) | 6.4230% | 3,070 |
| Efficiency ratio | 49.1044% | 6,437 |
| Assets per employee ($millions) | 5.3716% | 1,775 |
| Cash dividends to net income (ytd only)* | 58.5691% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,363 |
| Loan loss allowance to noncurrent loans | 130.8785% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 3,246 |
| Noncurrent loans to loans | 0.9603% | 3,594 |
| Net loans and leases to total assets | 63.6987% | 3,094 |
| Net loans and leases to deposits | 73.8531% | 3,281 |
| Net loans and leases to core deposits | 78.6170% | 3,290 |
| Total domestic deposits to total assets | 86.2506% | 3,136 |
| Equity capital to assets | 11.8665% | 1,894 |
| Core capital (leverage) ratio | 12.3303% | 1,436 |
| Tier 1 risk-based capital ratio | 19.8386% | 1,690 |
| Total risk-based capital ratio | 21.0899% | 1,661 |
| Memoranda: | ||
| Average total assets | $459,647,400 | 1,438 |
| Average earning assets | $426,537,800 | 1,431 |
| Average equity | $56,455,800 | 1,267 |
| Average total loans | $285,638,000 | 1,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,531 |
| Cost of funding earning assets | 0.4301% | 4,507 |
| Net interest margin | 3.7291% | 2,925 |
| Noninterest income to average assets | 0.6078% | 3,098 |
| Noninterest expense to average assets | 2.1095% | 5,808 |
| Loan and lease loss provision to assets | 0.1326% | 2,621 |
| Net operating income to assets | 1.1790% | 1,700 |
| Return on assets (ROA) | 1.2082% | 1,682 |
| Pretax return on assets | 1.8504% | 799 |
| Return on Equity (ROE) | 9.7474% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.7474% | 843 |
| Net charge-offs to loans | 0.5171% | 1,248 |
| Credit loss provision to net charge-offs | 41.7053% | 3,672 |
| Earnings coverage of net charge-offs (x) | 6.0945% | 3,044 |
| Efficiency ratio | 49.0789% | 6,451 |
| Assets per employee ($millions) | 5.1073% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,556 |
| Loan loss allowance to noncurrent loans | 101.0016% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 2,944 |
| Noncurrent loans to loans | 1.2547% | 3,304 |
| Net loans and leases to total assets | 62.8553% | 3,194 |
| Net loans and leases to deposits | 73.8703% | 3,248 |
| Net loans and leases to core deposits | 78.1124% | 3,349 |
| Total domestic deposits to total assets | 85.0887% | 3,692 |
| Equity capital to assets | 12.4720% | 1,595 |
| Core capital (leverage) ratio | 12.5499% | 1,399 |
| Tier 1 risk-based capital ratio | 21.0819% | 1,479 |
| Total risk-based capital ratio | 22.3330% | 1,457 |
| Memoranda: | ||
| Average total assets | $452,355,500 | 1,475 |
| Average earning assets | $417,288,250 | 1,468 |
| Average equity | $56,068,500 | 1,284 |
| Average total loans | $278,214,500 | 1,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,409 |
| Cost of funding earning assets | 0.4388% | 4,560 |
| Net interest margin | 3.7522% | 2,754 |
| Noninterest income to average assets | 0.6457% | 2,935 |
| Noninterest expense to average assets | 2.2140% | 5,598 |
| Loan and lease loss provision to assets | 0.1619% | 2,305 |
| Net operating income to assets | 1.1491% | 1,747 |
| Return on assets (ROA) | 1.1807% | 1,749 |
| Pretax return on assets | 1.7738% | 976 |
| Return on Equity (ROE) | 9.5471% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.5471% | 954 |
| Net charge-offs to loans | 0.6174% | 1,075 |
| Credit loss provision to net charge-offs | 43.1655% | 3,356 |
| Earnings coverage of net charge-offs (x) | 5.0360% | 2,977 |
| Efficiency ratio | 50.8878% | 6,363 |
| Assets per employee ($millions) | 5.0162% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,127 |
| Loan loss allowance to noncurrent loans | 103.4778% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 3,031 |
| Noncurrent loans to loans | 1.3338% | 3,324 |
| Net loans and leases to total assets | 60.4184% | 3,589 |
| Net loans and leases to deposits | 71.0004% | 3,585 |
| Net loans and leases to core deposits | 74.9998% | 3,674 |
| Total domestic deposits to total assets | 85.0959% | 3,849 |
| Equity capital to assets | 12.3726% | 1,658 |
| Core capital (leverage) ratio | 12.2988% | 1,455 |
| Tier 1 risk-based capital ratio | 21.2864% | 1,424 |
| Total risk-based capital ratio | 22.5388% | 1,395 |
| Memoranda: | ||
| Average total assets | $444,813,000 | 1,491 |
| Average earning assets | $409,784,670 | 1,485 |
| Average equity | $55,011,330 | 1,309 |
| Average total loans | $270,158,000 | 1,558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,641 |
| Cost of funding earning assets | 0.4564% | 4,523 |
| Net interest margin | 3.9089% | 2,091 |
| Noninterest income to average assets | 0.8297% | 1,999 |
| Noninterest expense to average assets | 2.5699% | 4,501 |
| Loan and lease loss provision to assets | 0.2410% | 1,504 |
| Net operating income to assets | 1.1241% | 1,762 |
| Return on assets (ROA) | 1.1922% | 1,656 |
| Pretax return on assets | 1.7049% | 1,062 |
| Return on Equity (ROE) | 9.6425% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.6425% | 1,204 |
| Net charge-offs to loans | 1.0552% | 573 |
| Credit loss provision to net charge-offs | 37.7907% | 2,782 |
| Earnings coverage of net charge-offs (x) | 2.8983% | 2,905 |
| Efficiency ratio | 55.2035% | 6,135 |
| Assets per employee ($millions) | 5.0794% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,997 |
| Loan loss allowance to noncurrent loans | 142.7105% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 3,375 |
| Noncurrent loans to loans | 1.0194% | 4,096 |
| Net loans and leases to total assets | 56.6120% | 3,987 |
| Net loans and leases to deposits | 66.3816% | 4,003 |
| Net loans and leases to core deposits | 70.0590% | 4,077 |
| Total domestic deposits to total assets | 85.2826% | 3,911 |
| Equity capital to assets | 12.1162% | 1,960 |
| Core capital (leverage) ratio | 11.8696% | 1,643 |
| Tier 1 risk-based capital ratio | 21.2992% | 1,468 |
| Total risk-based capital ratio | 22.5523% | 1,445 |
| Memoranda: | ||
| Average total assets | $431,456,000 | 1,561 |
| Average earning assets | $396,117,000 | 1,545 |
| Average equity | $53,347,000 | 1,360 |
| Average total loans | $260,799,000 | 1,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 3,025 |
| Cost of funding earning assets | 0.6201% | 4,174 |
| Net interest margin | 3.9744% | 2,497 |
| Noninterest income to average assets | 0.4881% | 3,976 |
| Noninterest expense to average assets | 2.1551% | 6,012 |
| Loan and lease loss provision to assets | 0.1475% | 3,761 |
| Net operating income to assets | 1.2878% | 1,341 |
| Return on assets (ROA) | 1.3047% | 1,431 |
| Pretax return on assets | 1.8874% | 772 |
| Return on Equity (ROE) | 10.0359% | 2,154 |
| Retained earnings to average equity (ytd only) | 1.0192% | 5,368 |
| Net charge-offs to loans | 0.8798% | 1,300 |
| Credit loss provision to net charge-offs | 26.8972% | 5,171 |
| Earnings coverage of net charge-offs (x) | 3.6657% | 3,640 |
| Efficiency ratio | 50.6608% | 6,545 |
| Assets per employee ($millions) | 5.4338% | 1,745 |
| Cash dividends to net income (ytd only)* | 89.8445% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 2,861 |
| Loan loss allowance to noncurrent loans | 142.3298% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 2,986 |
| Noncurrent loans to loans | 1.2083% | 3,836 |
| Net loans and leases to total assets | 63.1452% | 3,028 |
| Net loans and leases to deposits | 75.0152% | 2,964 |
| Net loans and leases to core deposits | 80.1411% | 2,988 |
| Total domestic deposits to total assets | 84.1766% | 4,235 |
| Equity capital to assets | 12.6794% | 1,599 |
| Core capital (leverage) ratio | 12.5785% | 1,293 |
| Tier 1 risk-based capital ratio | 20.8221% | 1,497 |
| Total risk-based capital ratio | 22.0794% | 1,466 |
| Memoranda: | ||
| Average total assets | $379,616,600 | 1,714 |
| Average earning assets | $351,244,000 | 1,699 |
| Average equity | $49,352,600 | 1,435 |
| Average total loans | $236,654,000 | 1,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 3,042 |
| Cost of funding earning assets | 0.6608% | 4,094 |
| Net interest margin | 3.9831% | 2,568 |
| Noninterest income to average assets | 0.3567% | 4,970 |
| Noninterest expense to average assets | 2.1565% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2231% | 1,660 |
| Return on assets (ROA) | 1.2443% | 1,761 |
| Pretax return on assets | 1.9098% | 850 |
| Return on Equity (ROE) | 9.5121% | 2,582 |
| Retained earnings to average equity (ytd only) | 9.5121% | 1,062 |
| Net charge-offs to loans | 0.9151% | 1,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.3159% | 3,696 |
| Efficiency ratio | 52.3913% | 6,420 |
| Assets per employee ($millions) | 5.4186% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 2,917 |
| Loan loss allowance to noncurrent loans | 115.0769% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 3,115 |
| Noncurrent loans to loans | 1.5338% | 3,490 |
| Net loans and leases to total assets | 59.5154% | 3,878 |
| Net loans and leases to deposits | 71.5297% | 3,673 |
| Net loans and leases to core deposits | 76.0157% | 3,726 |
| Total domestic deposits to total assets | 83.2038% | 4,559 |
| Equity capital to assets | 13.4624% | 1,363 |
| Core capital (leverage) ratio | 13.3617% | 1,054 |
| Tier 1 risk-based capital ratio | 22.9678% | 1,178 |
| Total risk-based capital ratio | 24.2254% | 1,152 |
| Memoranda: | ||
| Average total assets | $379,429,250 | 1,734 |
| Average earning assets | $350,269,000 | 1,718 |
| Average equity | $49,633,750 | 1,440 |
| Average total loans | $234,721,000 | 1,762 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 2,881 |
| Cost of funding earning assets | 0.7077% | 3,952 |
| Net interest margin | 3.9996% | 2,505 |
| Noninterest income to average assets | 0.1133% | 6,620 |
| Noninterest expense to average assets | 2.1564% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0934% | 2,063 |
| Return on assets (ROA) | 1.1259% | 2,174 |
| Pretax return on assets | 1.6962% | 1,267 |
| Return on Equity (ROE) | 8.6928% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.6928% | 1,380 |
| Net charge-offs to loans | 0.7982% | 1,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3120% | 3,425 |
| Efficiency ratio | 55.6113% | 6,161 |
| Assets per employee ($millions) | 5.2174% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,076 |
| Loan loss allowance to noncurrent loans | 109.5195% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 2,935 |
| Noncurrent loans to loans | 1.8831% | 3,097 |
| Net loans and leases to total assets | 61.3528% | 3,563 |
| Net loans and leases to deposits | 73.6575% | 3,349 |
| Net loans and leases to core deposits | 78.1682% | 3,490 |
| Total domestic deposits to total assets | 83.2946% | 4,627 |
| Equity capital to assets | 13.5162% | 1,300 |
| Core capital (leverage) ratio | 13.2354% | 1,079 |
| Tier 1 risk-based capital ratio | 22.3226% | 1,228 |
| Total risk-based capital ratio | 23.5843% | 1,211 |
| Memoranda: | ||
| Average total assets | $377,664,330 | 1,744 |
| Average earning assets | $348,436,000 | 1,733 |
| Average equity | $48,914,000 | 1,447 |
| Average total loans | $235,266,670 | 1,754 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 2,857 |
| Cost of funding earning assets | 0.7362% | 3,975 |
| Net interest margin | 4.0108% | 2,456 |
| Noninterest income to average assets | 0.1185% | 6,662 |
| Noninterest expense to average assets | 2.1223% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1155% | 2,009 |
| Return on assets (ROA) | 1.1792% | 1,985 |
| Pretax return on assets | 1.7908% | 1,084 |
| Return on Equity (ROE) | 9.3015% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.3015% | 1,474 |
| Net charge-offs to loans | 0.3344% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.1566% | 1,992 |
| Efficiency ratio | 54.5904% | 6,283 |
| Assets per employee ($millions) | 5.2390% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3302% | 1,625 |
| Loan loss allowance to noncurrent loans | 119.4252% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2577% | 2,637 |
| Noncurrent loans to loans | 1.9512% | 3,220 |
| Net loans and leases to total assets | 62.2797% | 3,200 |
| Net loans and leases to deposits | 74.6784% | 3,017 |
| Net loans and leases to core deposits | 79.3695% | 3,128 |
| Total domestic deposits to total assets | 83.3971% | 4,761 |
| Equity capital to assets | 13.1088% | 1,397 |
| Core capital (leverage) ratio | 12.7958% | 1,210 |
| Tier 1 risk-based capital ratio | 21.4209% | 1,396 |
| Total risk-based capital ratio | 22.6860% | 1,365 |
| Memoranda: | ||
| Average total assets | $381,277,500 | 1,739 |
| Average earning assets | $351,546,500 | 1,722 |
| Average equity | $48,336,500 | 1,455 |
| Average total loans | $236,870,000 | 1,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 2,947 |
| Cost of funding earning assets | 0.9728% | 3,556 |
| Net interest margin | 4.0120% | 2,826 |
| Noninterest income to average assets | 0.4659% | 4,088 |
| Noninterest expense to average assets | 2.0663% | 6,552 |
| Loan and lease loss provision to assets | 0.7575% | 1,325 |
| Net operating income to assets | 0.9382% | 2,455 |
| Return on assets (ROA) | 0.9848% | 2,402 |
| Pretax return on assets | 1.3835% | 1,831 |
| Return on Equity (ROE) | 8.0887% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.0887% | 1,049 |
| Net charge-offs to loans | 1.0004% | 1,735 |
| Credit loss provision to net charge-offs | 122.2651% | 2,589 |
| Earnings coverage of net charge-offs (x) | 3.3496% | 3,548 |
| Efficiency ratio | 49.1465% | 6,885 |
| Assets per employee ($millions) | 5.5012% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4202% | 1,428 |
| Loan loss allowance to noncurrent loans | 161.1314% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 2.0190% | 2,946 |
| Noncurrent loans to loans | 1.5020% | 3,892 |
| Net loans and leases to total assets | 59.0976% | 4,179 |
| Net loans and leases to deposits | 70.0793% | 4,082 |
| Net loans and leases to core deposits | 75.0492% | 4,095 |
| Total domestic deposits to total assets | 84.3296% | 4,173 |
| Equity capital to assets | 12.2668% | 1,934 |
| Core capital (leverage) ratio | 12.1139% | 1,531 |
| Tier 1 risk-based capital ratio | 20.7829% | 1,463 |
| Total risk-based capital ratio | 22.0491% | 1,433 |
| Memoranda: | ||
| Average total assets | $376,222,000 | 1,728 |
| Average earning assets | $344,687,600 | 1,726 |
| Average equity | $45,804,600 | 1,487 |
| Average total loans | $232,995,200 | 1,791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 3,010 |
| Cost of funding earning assets | 1.0154% | 3,571 |
| Net interest margin | 4.0005% | 2,910 |
| Noninterest income to average assets | 0.4880% | 3,970 |
| Noninterest expense to average assets | 2.0946% | 6,506 |
| Loan and lease loss provision to assets | 0.7335% | 1,305 |
| Net operating income to assets | 0.9066% | 2,717 |
| Return on assets (ROA) | 0.9582% | 2,660 |
| Pretax return on assets | 1.3944% | 1,957 |
| Return on Equity (ROE) | 7.8859% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.8859% | 1,549 |
| Net charge-offs to loans | 0.7198% | 2,113 |
| Credit loss provision to net charge-offs | 163.6073% | 1,869 |
| Earnings coverage of net charge-offs (x) | 4.5794% | 3,020 |
| Efficiency ratio | 49.7930% | 6,843 |
| Assets per employee ($millions) | 5.5153% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5689% | 1,308 |
| Loan loss allowance to noncurrent loans | 99.0431% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 2.8218% | 2,299 |
| Noncurrent loans to loans | 2.5937% | 2,673 |
| Net loans and leases to total assets | 58.1422% | 4,488 |
| Net loans and leases to deposits | 68.8223% | 4,470 |
| Net loans and leases to core deposits | 73.7913% | 4,481 |
| Total domestic deposits to total assets | 84.4816% | 4,022 |
| Equity capital to assets | 12.0869% | 2,183 |
| Core capital (leverage) ratio | 12.1547% | 1,617 |
| Tier 1 risk-based capital ratio | 20.7207% | 1,518 |
| Total risk-based capital ratio | 21.9887% | 1,481 |
| Memoranda: | ||
| Average total assets | $372,631,750 | 1,748 |
| Average earning assets | $340,886,000 | 1,751 |
| Average equity | $45,277,750 | 1,505 |
| Average total loans | $232,106,500 | 1,811 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 2,573 |
| Cost of funding earning assets | 1.0735% | 3,440 |
| Net interest margin | 4.0505% | 2,609 |
| Noninterest income to average assets | 0.6814% | 2,641 |
| Noninterest expense to average assets | 2.0906% | 6,615 |
| Loan and lease loss provision to assets | 0.7917% | 1,166 |
| Net operating income to assets | 1.0078% | 2,195 |
| Return on assets (ROA) | 1.0608% | 2,095 |
| Pretax return on assets | 1.5741% | 1,312 |
| Return on Equity (ROE) | 8.7143% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.7143% | 1,205 |
| Net charge-offs to loans | 0.4387% | 2,818 |
| Credit loss provision to net charge-offs | 285.4331% | 1,071 |
| Earnings coverage of net charge-offs (x) | 8.2441% | 2,090 |
| Efficiency ratio | 47.1124% | 7,106 |
| Assets per employee ($millions) | 5.3322% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6704% | 1,208 |
| Loan loss allowance to noncurrent loans | 142.4467% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6791% | 2,494 |
| Noncurrent loans to loans | 1.8747% | 3,646 |
| Net loans and leases to total assets | 60.9044% | 4,108 |
| Net loans and leases to deposits | 72.5999% | 4,020 |
| Net loans and leases to core deposits | 78.8633% | 3,954 |
| Total domestic deposits to total assets | 83.8905% | 4,396 |
| Equity capital to assets | 12.4693% | 1,797 |
| Core capital (leverage) ratio | 12.2599% | 1,475 |
| Tier 1 risk-based capital ratio | 20.6844% | 1,480 |
| Total risk-based capital ratio | 21.9538% | 1,449 |
| Memoranda: | ||
| Average total assets | $366,313,000 | 1,787 |
| Average earning assets | $334,233,330 | 1,788 |
| Average equity | $44,593,330 | 1,510 |
| Average total loans | $231,581,670 | 1,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 2,483 |
| Cost of funding earning assets | 1.1123% | 3,441 |
| Net interest margin | 4.0250% | 2,587 |
| Noninterest income to average assets | 0.6796% | 2,681 |
| Noninterest expense to average assets | 2.0629% | 6,709 |
| Loan and lease loss provision to assets | 0.6566% | 1,306 |
| Net operating income to assets | 1.1148% | 1,789 |
| Return on assets (ROA) | 1.1239% | 1,800 |
| Pretax return on assets | 1.6404% | 1,101 |
| Return on Equity (ROE) | 9.3467% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.3467% | 1,278 |
| Net charge-offs to loans | 0.4357% | 2,392 |
| Credit loss provision to net charge-offs | 237.1542% | 1,300 |
| Earnings coverage of net charge-offs (x) | 8.2490% | 1,842 |
| Efficiency ratio | 46.8026% | 7,166 |
| Assets per employee ($millions) | 5.3832% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4004% | 1,604 |
| Loan loss allowance to noncurrent loans | 115.8323% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 2.8667% | 2,407 |
| Noncurrent loans to loans | 2.0723% | 3,483 |
| Net loans and leases to total assets | 61.6784% | 3,928 |
| Net loans and leases to deposits | 73.2933% | 3,874 |
| Net loans and leases to core deposits | 80.4086% | 3,685 |
| Total domestic deposits to total assets | 84.1529% | 4,427 |
| Equity capital to assets | 12.1843% | 1,804 |
| Core capital (leverage) ratio | 11.9963% | 1,573 |
| Tier 1 risk-based capital ratio | 20.1789% | 1,551 |
| Total risk-based capital ratio | 21.4448% | 1,519 |
| Memoranda: | ||
| Average total assets | $365,510,000 | 1,802 |
| Average earning assets | $333,017,500 | 1,800 |
| Average equity | $43,951,500 | 1,516 |
| Average total loans | $232,259,000 | 1,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 2,430 |
| Cost of funding earning assets | 1.3381% | 3,648 |
| Net interest margin | 4.1222% | 2,469 |
| Noninterest income to average assets | 0.8749% | 1,949 |
| Noninterest expense to average assets | 2.2855% | 6,400 |
| Loan and lease loss provision to assets | 1.6349% | 880 |
| Net operating income to assets | 0.5386% | 3,931 |
| Return on assets (ROA) | 0.6232% | 3,733 |
| Pretax return on assets | 0.7871% | 3,678 |
| Return on Equity (ROE) | 5.1063% | 4,025 |
| Retained earnings to average equity (ytd only) | 0.8110% | 5,146 |
| Net charge-offs to loans | 2.1444% | 914 |
| Credit loss provision to net charge-offs | 121.6351% | 3,453 |
| Earnings coverage of net charge-offs (x) | 1.7223% | 4,429 |
| Efficiency ratio | 49.5654% | 7,156 |
| Assets per employee ($millions) | 5.2137% | 1,846 |
| Cash dividends to net income (ytd only)* | 84.1184% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,812 |
| Loan loss allowance to noncurrent loans | 104.6853% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.8926% | 2,426 |
| Noncurrent loans to loans | 2.1326% | 3,391 |
| Net loans and leases to total assets | 62.4668% | 4,178 |
| Net loans and leases to deposits | 73.7808% | 4,232 |
| Net loans and leases to core deposits | 81.0739% | 4,047 |
| Total domestic deposits to total assets | 84.6654% | 4,015 |
| Equity capital to assets | 11.8646% | 1,994 |
| Core capital (leverage) ratio | 11.7901% | 1,675 |
| Tier 1 risk-based capital ratio | 19.1696% | 1,678 |
| Total risk-based capital ratio | 20.4329% | 1,648 |
| Memoranda: | ||
| Average total assets | $357,643,400 | 1,826 |
| Average earning assets | $323,226,600 | 1,845 |
| Average equity | $43,651,600 | 1,523 |
| Average total loans | $224,163,200 | 1,941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 2,444 |
| Cost of funding earning assets | 1.3828% | 3,687 |
| Net interest margin | 4.1127% | 2,569 |
| Noninterest income to average assets | 0.8075% | 2,197 |
| Noninterest expense to average assets | 2.3577% | 6,157 |
| Loan and lease loss provision to assets | 2.0224% | 584 |
| Net operating income to assets | 0.2301% | 5,421 |
| Return on assets (ROA) | 0.2586% | 5,477 |
| Pretax return on assets | 0.1671% | 5,801 |
| Return on Equity (ROE) | 2.1033% | 5,572 |
| Retained earnings to average equity (ytd only) | -3.6122% | 6,418 |
| Net charge-offs to loans | 2.1402% | 859 |
| Credit loss provision to net charge-offs | 151.5160% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.6190% | 4,505 |
| Efficiency ratio | 52.0939% | 6,964 |
| Assets per employee ($millions) | 5.0840% | 2,074 |
| Cash dividends to net income (ytd only)* | 271.7385% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6906% | 1,092 |
| Loan loss allowance to noncurrent loans | 91.2145% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 3.3187% | 2,142 |
| Noncurrent loans to loans | 2.9498% | 2,703 |
| Net loans and leases to total assets | 59.2907% | 5,044 |
| Net loans and leases to deposits | 69.9156% | 5,156 |
| Net loans and leases to core deposits | 76.9931% | 4,920 |
| Total domestic deposits to total assets | 84.8033% | 3,719 |
| Equity capital to assets | 11.7223% | 2,341 |
| Core capital (leverage) ratio | 11.4378% | 1,977 |
| Tier 1 risk-based capital ratio | 18.9251% | 1,767 |
| Total risk-based capital ratio | 20.1933% | 1,729 |
| Memoranda: | ||
| Average total assets | $355,814,250 | 1,859 |
| Average earning assets | $321,076,250 | 1,870 |
| Average equity | $43,739,250 | 1,525 |
| Average total loans | $221,907,750 | 1,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 1,974 |
| Cost of funding earning assets | 1.3731% | 4,036 |
| Net interest margin | 4.2692% | 1,895 |
| Noninterest income to average assets | 0.9328% | 1,572 |
| Noninterest expense to average assets | 2.2715% | 6,430 |
| Loan and lease loss provision to assets | 0.6338% | 2,262 |
| Net operating income to assets | 1.2512% | 1,426 |
| Return on assets (ROA) | 1.2737% | 1,437 |
| Pretax return on assets | 1.9462% | 674 |
| Return on Equity (ROE) | 9.7305% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.2573% | 4,027 |
| Net charge-offs to loans | 1.4056% | 1,356 |
| Credit loss provision to net charge-offs | 68.6490% | 5,003 |
| Earnings coverage of net charge-offs (x) | 2.7570% | 3,609 |
| Efficiency ratio | 47.1573% | 7,388 |
| Assets per employee ($millions) | 4.8601% | 2,358 |
| Cash dividends to net income (ytd only)* | 66.5247% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,294 |
| Loan loss allowance to noncurrent loans | 46.6571% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 3.6766% | 1,901 |
| Noncurrent loans to loans | 3.5116% | 2,251 |
| Net loans and leases to total assets | 65.5702% | 3,923 |
| Net loans and leases to deposits | 79.1545% | 3,766 |
| Net loans and leases to core deposits | 85.0680% | 3,984 |
| Total domestic deposits to total assets | 82.8382% | 4,637 |
| Equity capital to assets | 13.1323% | 1,508 |
| Core capital (leverage) ratio | 13.0934% | 1,177 |
| Tier 1 risk-based capital ratio | 20.1247% | 1,496 |
| Total risk-based capital ratio | 21.3801% | 1,461 |
| Memoranda: | ||
| Average total assets | $295,041,330 | 2,235 |
| Average earning assets | $268,434,670 | 2,242 |
| Average equity | $38,621,000 | 1,722 |
| Average total loans | $193,797,000 | 2,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 2,085 |
| Cost of funding earning assets | 1.4229% | 4,032 |
| Net interest margin | 4.1941% | 2,059 |
| Noninterest income to average assets | 1.0138% | 1,254 |
| Noninterest expense to average assets | 2.2356% | 6,593 |
| Loan and lease loss provision to assets | 0.8290% | 1,529 |
| Net operating income to assets | 1.1651% | 1,631 |
| Return on assets (ROA) | 1.2109% | 1,579 |
| Pretax return on assets | 1.8360% | 832 |
| Return on Equity (ROE) | 9.2656% | 2,396 |
| Retained earnings to average equity (ytd only) | 2.7662% | 4,477 |
| Net charge-offs to loans | 2.3911% | 701 |
| Credit loss provision to net charge-offs | 53.1822% | 4,433 |
| Earnings coverage of net charge-offs (x) | 1.6652% | 3,735 |
| Efficiency ratio | 46.2729% | 7,538 |
| Assets per employee ($millions) | 4.8464% | 2,442 |
| Cash dividends to net income (ytd only)* | 70.1459% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 3,339 |
| Loan loss allowance to noncurrent loans | 51.8740% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.4132% | 2,069 |
| Noncurrent loans to loans | 3.1386% | 2,558 |
| Net loans and leases to total assets | 64.9961% | 4,102 |
| Net loans and leases to deposits | 78.8200% | 3,878 |
| Net loans and leases to core deposits | 85.1626% | 4,017 |
| Total domestic deposits to total assets | 82.4614% | 4,865 |
| Equity capital to assets | 13.2536% | 1,416 |
| Core capital (leverage) ratio | 12.7879% | 1,300 |
| Tier 1 risk-based capital ratio | 20.5138% | 1,425 |
| Total risk-based capital ratio | 21.7690% | 1,394 |
| Memoranda: | ||
| Average total assets | $294,328,500 | 2,278 |
| Average earning assets | $267,900,500 | 2,294 |
| Average equity | $38,465,000 | 1,750 |
| Average total loans | $191,879,500 | 2,352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7567% | 2,836 |
| Cost of funding earning assets | 1.7217% | 4,403 |
| Net interest margin | 4.0350% | 2,718 |
| Noninterest income to average assets | 1.0281% | 1,474 |
| Noninterest expense to average assets | 2.4009% | 6,465 |
| Loan and lease loss provision to assets | 0.6482% | 3,208 |
| Net operating income to assets | 1.1478% | 1,391 |
| Return on assets (ROA) | 1.1481% | 1,416 |
| Pretax return on assets | 1.6383% | 886 |
| Return on Equity (ROE) | 8.8362% | 2,076 |
| Retained earnings to average equity (ytd only) | 2.1844% | 3,581 |
| Net charge-offs to loans | 0.6886% | 3,125 |
| Credit loss provision to net charge-offs | 143.2391% | 3,348 |
| Earnings coverage of net charge-offs (x) | 5.0519% | 2,702 |
| Efficiency ratio | 51.2244% | 7,450 |
| Assets per employee ($millions) | 4.9646% | 2,267 |
| Cash dividends to net income (ytd only)* | 75.2785% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,229 |
| Loan loss allowance to noncurrent loans | 53.5662% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.6405% | 1,827 |
| Noncurrent loans to loans | 3.5703% | 2,123 |
| Net loans and leases to total assets | 63.1033% | 4,786 |
| Net loans and leases to deposits | 75.9854% | 4,745 |
| Net loans and leases to core deposits | 96.2468% | 4,441 |
| Total domestic deposits to total assets | 83.0466% | 4,502 |
| Equity capital to assets | 12.8883% | 1,552 |
| Core capital (leverage) ratio | 12.5605% | 1,422 |
| Tier 1 risk-based capital ratio | 20.2589% | 1,413 |
| Total risk-based capital ratio | 21.5175% | 1,375 |
| Memoranda: | ||
| Average total assets | $289,271,000 | 2,282 |
| Average earning assets | $262,303,400 | 2,306 |
| Average equity | $37,584,200 | 1,787 |
| Average total loans | $190,106,800 | 2,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8114% | 2,838 |
| Cost of funding earning assets | 1.7689% | 4,533 |
| Net interest margin | 4.0426% | 2,625 |
| Noninterest income to average assets | 1.0314% | 1,490 |
| Noninterest expense to average assets | 2.5211% | 6,008 |
| Loan and lease loss provision to assets | 0.6153% | 2,929 |
| Net operating income to assets | 1.0380% | 1,942 |
| Return on assets (ROA) | 1.0383% | 2,003 |
| Pretax return on assets | 1.5654% | 1,252 |
| Return on Equity (ROE) | 7.9750% | 2,648 |
| Retained earnings to average equity (ytd only) | 1.2876% | 4,605 |
| Net charge-offs to loans | 0.6219% | 2,812 |
| Credit loss provision to net charge-offs | 149.7175% | 3,216 |
| Earnings coverage of net charge-offs (x) | 5.3051% | 2,865 |
| Efficiency ratio | 53.6250% | 7,276 |
| Assets per employee ($millions) | 4.9216% | 2,240 |
| Cash dividends to net income (ytd only)* | 83.8551% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,216 |
| Loan loss allowance to noncurrent loans | 37.1588% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 3.4968% | 1,903 |
| Noncurrent loans to loans | 4.9021% | 1,374 |
| Net loans and leases to total assets | 63.5366% | 4,964 |
| Net loans and leases to deposits | 76.8230% | 4,923 |
| Net loans and leases to core deposits | 95.7734% | 4,832 |
| Total domestic deposits to total assets | 82.7051% | 4,358 |
| Equity capital to assets | 12.5779% | 1,898 |
| Core capital (leverage) ratio | 12.8192% | 1,439 |
| Tier 1 risk-based capital ratio | 19.9677% | 1,565 |
| Total risk-based capital ratio | 21.2257% | 1,515 |
| Memoranda: | ||
| Average total assets | $287,120,000 | 2,312 |
| Average earning assets | $260,652,250 | 2,333 |
| Average equity | $37,382,500 | 1,817 |
| Average total loans | $189,725,000 | 2,430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8454% | 2,829 |
| Cost of funding earning assets | 1.7818% | 4,849 |
| Net interest margin | 4.0636% | 2,456 |
| Noninterest income to average assets | 1.0065% | 1,575 |
| Noninterest expense to average assets | 2.5966% | 5,754 |
| Loan and lease loss provision to assets | 0.2829% | 4,312 |
| Net operating income to assets | 1.2324% | 1,398 |
| Return on assets (ROA) | 1.2329% | 1,475 |
| Pretax return on assets | 1.8751% | 731 |
| Return on Equity (ROE) | 9.3568% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.6465% | 3,856 |
| Net charge-offs to loans | 0.3804% | 3,298 |
| Credit loss provision to net charge-offs | 111.7318% | 4,144 |
| Earnings coverage of net charge-offs (x) | 8.5196% | 2,250 |
| Efficiency ratio | 54.6198% | 7,267 |
| Assets per employee ($millions) | 4.6016% | 2,605 |
| Cash dividends to net income (ytd only)* | 71.7154% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 2,623 |
| Loan loss allowance to noncurrent loans | 57.9948% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 2,881 |
| Noncurrent loans to loans | 2.8081% | 2,565 |
| Net loans and leases to total assets | 67.5933% | 4,235 |
| Net loans and leases to deposits | 82.4301% | 4,155 |
| Net loans and leases to core deposits | 103.5339% | 4,115 |
| Total domestic deposits to total assets | 82.0007% | 4,695 |
| Equity capital to assets | 13.2778% | 1,570 |
| Core capital (leverage) ratio | 13.5892% | 1,245 |
| Tier 1 risk-based capital ratio | 20.8651% | 1,423 |
| Total risk-based capital ratio | 22.1213% | 1,387 |
| Memoranda: | ||
| Average total assets | $282,754,670 | 2,356 |
| Average earning assets | $260,753,670 | 2,344 |
| Average equity | $37,256,330 | 1,827 |
| Average total loans | $188,204,670 | 2,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8468% | 3,046 |
| Cost of funding earning assets | 1.8149% | 5,046 |
| Net interest margin | 4.0319% | 2,529 |
| Noninterest income to average assets | 1.0896% | 1,255 |
| Noninterest expense to average assets | 2.6147% | 5,391 |
| Loan and lease loss provision to assets | 0.2114% | 4,335 |
| Net operating income to assets | 1.2691% | 1,455 |
| Return on assets (ROA) | 1.2700% | 1,554 |
| Pretax return on assets | 1.9818% | 684 |
| Return on Equity (ROE) | 9.6753% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.9638% | 4,227 |
| Net charge-offs to loans | 0.3981% | 2,503 |
| Credit loss provision to net charge-offs | 81.0811% | 4,173 |
| Earnings coverage of net charge-offs (x) | 8.4054% | 2,195 |
| Efficiency ratio | 54.3988% | 7,178 |
| Assets per employee ($millions) | 4.7321% | 2,391 |
| Cash dividends to net income (ytd only)* | 69.3674% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 2,430 |
| Loan loss allowance to noncurrent loans | 57.2924% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.2010% | 2,597 |
| Noncurrent loans to loans | 2.8323% | 2,312 |
| Net loans and leases to total assets | 67.6816% | 4,209 |
| Net loans and leases to deposits | 83.2729% | 4,097 |
| Net loans and leases to core deposits | 106.1176% | 3,895 |
| Total domestic deposits to total assets | 81.2769% | 4,846 |
| Equity capital to assets | 13.6175% | 1,488 |
| Core capital (leverage) ratio | 13.2301% | 1,410 |
| Tier 1 risk-based capital ratio | 20.8601% | 1,470 |
| Total risk-based capital ratio | 22.1161% | 1,440 |
| Memoranda: | ||
| Average total assets | $283,784,500 | 2,370 |
| Average earning assets | $261,614,500 | 2,352 |
| Average equity | $37,249,500 | 1,833 |
| Average total loans | $185,871,000 | 2,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3730% | 3,557 |
| Cost of funding earning assets | 2.2876% | 5,216 |
| Net interest margin | 4.0855% | 2,776 |
| Noninterest income to average assets | 0.8666% | 2,128 |
| Noninterest expense to average assets | 2.3638% | 6,527 |
| Loan and lease loss provision to assets | 0.3836% | 3,393 |
| Net operating income to assets | 1.3013% | 1,482 |
| Return on assets (ROA) | 1.3207% | 1,378 |
| Pretax return on assets | 1.9056% | 755 |
| Return on Equity (ROE) | 9.9920% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.0819% | 3,244 |
| Net charge-offs to loans | 0.3863% | 2,892 |
| Credit loss provision to net charge-offs | 149.1477% | 3,536 |
| Earnings coverage of net charge-offs (x) | 8.7912% | 2,820 |
| Efficiency ratio | 51.1099% | 7,578 |
| Assets per employee ($millions) | 4.9679% | 1,972 |
| Cash dividends to net income (ytd only)* | 69.1563% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 1,928 |
| Loan loss allowance to noncurrent loans | 136.1001% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 3,978 |
| Noncurrent loans to loans | 1.2448% | 4,028 |
| Net loans and leases to total assets | 61.3491% | 5,719 |
| Net loans and leases to deposits | 73.5563% | 5,892 |
| Net loans and leases to core deposits | 92.1921% | 5,616 |
| Total domestic deposits to total assets | 83.4043% | 3,611 |
| Equity capital to assets | 12.6657% | 1,937 |
| Core capital (leverage) ratio | 12.9184% | 1,570 |
| Tier 1 risk-based capital ratio | 20.8011% | 1,482 |
| Total risk-based capital ratio | 22.0573% | 1,461 |
| Memoranda: | ||
| Average total assets | $273,713,400 | 2,354 |
| Average earning assets | $251,795,000 | 2,355 |
| Average equity | $36,179,000 | 1,865 |
| Average total loans | $182,248,000 | 2,477 |