Home > Bank of the James > Performance and Condition Ratios
Bank of the James, 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 | 4.5701% | 2,969 |
| Cost of funding earning assets | 1.0194% | 3,249 |
| Net interest margin | 3.5506% | 2,066 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 3.1972% | 833 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8207% | 2,802 |
| Return on assets (ROA) | 0.8207% | 2,783 |
| Pretax return on assets | 1.0126% | 2,645 |
| Return on Equity (ROE) | 12.6700% | 1,801 |
| Retained earnings to average equity (ytd only) | 12.6665% | 550 |
| Net charge-offs to loans | 0.0044% | 2,570 |
| Credit loss provision to net charge-offs | -240.7407% | 4,510 |
| Earnings coverage of net charge-offs (x) | 346.6296% | 389 |
| Efficiency ratio | 76.2907% | 1,220 |
| Assets per employee ($millions) | 6.3139% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,216 |
| Loan loss allowance to noncurrent loans | 1,895.6522% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,340 |
| Noncurrent loans to loans | 0.0640% | 3,253 |
| Net loans and leases to total assets | 62.8500% | 2,590 |
| Net loans and leases to deposits | 68.4878% | 2,990 |
| Net loans and leases to core deposits | 71.1936% | 3,235 |
| Total domestic deposits to total assets | 91.7700% | 344 |
| Equity capital to assets | 7.1298% | 3,889 |
| Core capital (leverage) ratio | 9.5663% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3763% | 2,111 |
| Memoranda: | ||
| Average total assets | $941,907,000 | 1,036 |
| Average earning assets | $864,322,800 | 1,040 |
| Average equity | $61,027,200 | 1,378 |
| Average total loans | $617,226,800 | 1,073 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 2,957 |
| Cost of funding earning assets | 0.9091% | 3,250 |
| Net interest margin | 3.5656% | 2,076 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.1917% | 827 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.8532% | 2,852 |
| Return on assets (ROA) | 0.8532% | 2,833 |
| Pretax return on assets | 1.0627% | 2,680 |
| Return on Equity (ROE) | 13.5200% | 1,794 |
| Retained earnings to average equity (ytd only) | 13.5160% | 743 |
| Net charge-offs to loans | -0.0011% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.7221% | 1,198 |
| Assets per employee ($millions) | 6.0233% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,368 |
| Loan loss allowance to noncurrent loans | 1,251.2821% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,205 |
| Noncurrent loans to loans | 0.0959% | 3,098 |
| Net loans and leases to total assets | 63.3500% | 2,523 |
| Net loans and leases to deposits | 68.3005% | 2,961 |
| Net loans and leases to core deposits | 70.8974% | 3,167 |
| Total domestic deposits to total assets | 92.7600% | 339 |
| Equity capital to assets | 6.1504% | 3,935 |
| Core capital (leverage) ratio | 9.4824% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1057% | 2,230 |
| Memoranda: | ||
| Average total assets | $937,457,000 | 1,045 |
| Average earning assets | $860,188,500 | 1,040 |
| Average equity | $59,177,750 | 1,397 |
| Average total loans | $618,885,750 | 1,067 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,933 |
| Cost of funding earning assets | 0.7694% | 3,301 |
| Net interest margin | 3.6112% | 2,012 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 3.1566% | 833 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.9107% | 2,721 |
| Return on assets (ROA) | 0.9107% | 2,704 |
| Pretax return on assets | 1.1354% | 2,548 |
| Return on Equity (ROE) | 14.3000% | 1,619 |
| Retained earnings to average equity (ytd only) | 14.3013% | 645 |
| Net charge-offs to loans | -0.0450% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.9674% | 1,348 |
| Assets per employee ($millions) | 5.9571% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,369 |
| Loan loss allowance to noncurrent loans | 1,827.9518% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,850 |
| Noncurrent loans to loans | 0.0665% | 3,225 |
| Net loans and leases to total assets | 65.5100% | 2,211 |
| Net loans and leases to deposits | 70.8928% | 2,725 |
| Net loans and leases to core deposits | 73.4102% | 2,929 |
| Total domestic deposits to total assets | 92.4000% | 344 |
| Equity capital to assets | 6.4909% | 3,996 |
| Core capital (leverage) ratio | 9.3877% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7317% | 2,391 |
| Memoranda: | ||
| Average total assets | $932,715,667 | 1,041 |
| Average earning assets | $854,998,667 | 1,046 |
| Average equity | $59,393,000 | 1,398 |
| Average total loans | $621,771,000 | 1,045 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 2,839 |
| Cost of funding earning assets | 0.5890% | 3,408 |
| Net interest margin | 3.6948% | 1,910 |
| Noninterest income to average assets | 0.8900% | 706 |
| Noninterest expense to average assets | 3.2238% | 774 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7953% | 3,201 |
| Return on assets (ROA) | 0.7953% | 3,158 |
| Pretax return on assets | 0.9896% | 3,025 |
| Return on Equity (ROE) | 12.6100% | 2,077 |
| Retained earnings to average equity (ytd only) | 12.6131% | 1,162 |
| Net charge-offs to loans | -0.0458% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.4335% | 1,208 |
| Assets per employee ($millions) | 6.0152% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,389 |
| Loan loss allowance to noncurrent loans | 1,469.5238% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 2,729 |
| Noncurrent loans to loans | 0.0837% | 3,142 |
| Net loans and leases to total assets | 66.0100% | 2,058 |
| Net loans and leases to deposits | 71.3869% | 2,516 |
| Net loans and leases to core deposits | 74.2414% | 2,659 |
| Total domestic deposits to total assets | 92.4600% | 413 |
| Equity capital to assets | 6.3896% | 4,066 |
| Core capital (leverage) ratio | 9.2229% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2727% | 2,642 |
| Memoranda: | ||
| Average total assets | $928,461,500 | 1,065 |
| Average earning assets | $849,526,500 | 1,071 |
| Average equity | $58,542,500 | 1,421 |
| Average total loans | $620,574,500 | 1,060 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6221% | 2,730 |
| Cost of funding earning assets | 0.1464% | 4,145 |
| Net interest margin | 3.4757% | 2,008 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 3.1856% | 734 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.8948% | 2,983 |
| Return on assets (ROA) | 0.8946% | 2,919 |
| Pretax return on assets | 1.1083% | 2,746 |
| Return on Equity (ROE) | 13.3000% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.8354% | 1,909 |
| Net charge-offs to loans | -0.0401% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.8533% | 1,026 |
| Assets per employee ($millions) | 5.8506% | 2,901 |
| Cash dividends to net income (ytd only)* | 41.0846% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,261 |
| Loan loss allowance to noncurrent loans | 988.7836% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,604 |
| Noncurrent loans to loans | 0.1031% | 3,033 |
| Net loans and leases to total assets | 66.1700% | 2,021 |
| Net loans and leases to deposits | 71.3437% | 2,462 |
| Net loans and leases to core deposits | 73.3912% | 2,615 |
| Total domestic deposits to total assets | 92.7500% | 459 |
| Equity capital to assets | 6.2193% | 4,011 |
| Core capital (leverage) ratio | 8.9810% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9820% | 2,741 |
| Memoranda: | ||
| Average total assets | $952,297,400 | 1,028 |
| Average earning assets | $879,383,600 | 1,017 |
| Average equity | $64,055,800 | 1,334 |
| Average total loans | $608,703,200 | 1,025 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 2,826 |
| Cost of funding earning assets | 0.1260% | 4,067 |
| Net interest margin | 3.3070% | 2,272 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 3.0962% | 790 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 0.9180% | 2,803 |
| Return on assets (ROA) | 0.9180% | 2,770 |
| Pretax return on assets | 1.1477% | 2,565 |
| Return on Equity (ROE) | 13.4100% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.3131% | 2,631 |
| Net charge-offs to loans | -0.0832% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1685% | 1,155 |
| Assets per employee ($millions) | 6.0645% | 2,706 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,365 |
| Loan loss allowance to noncurrent loans | 811.4213% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,613 |
| Noncurrent loans to loans | 0.1263% | 3,009 |
| Net loans and leases to total assets | 64.8400% | 1,999 |
| Net loans and leases to deposits | 69.5949% | 2,399 |
| Net loans and leases to core deposits | 71.7263% | 2,503 |
| Total domestic deposits to total assets | 93.1700% | 533 |
| Equity capital to assets | 5.7682% | 4,054 |
| Core capital (leverage) ratio | 8.5691% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6575% | 2,906 |
| Memoranda: | ||
| Average total assets | $960,734,500 | 1,029 |
| Average earning assets | $890,020,750 | 1,016 |
| Average equity | $65,788,000 | 1,320 |
| Average total loans | $607,367,000 | 1,030 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2415% | 2,919 |
| Cost of funding earning assets | 0.1262% | 3,894 |
| Net interest margin | 3.1154% | 2,485 |
| Noninterest income to average assets | 1.0052% | 653 |
| Noninterest expense to average assets | 2.9280% | 947 |
| Loan and lease loss provision to assets | -0.1245% | 4,625 |
| Net operating income to assets | 0.8780% | 2,678 |
| Return on assets (ROA) | 0.8780% | 2,657 |
| Pretax return on assets | 1.0971% | 2,420 |
| Return on Equity (ROE) | 12.1884% | 1,622 |
| Retained earnings to average equity (ytd only) | 12.1884% | 581 |
| Net charge-offs to loans | -0.0997% | 4,442 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0652% | 1,382 |
| Assets per employee ($millions) | 6.0089% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,278 |
| Loan loss allowance to noncurrent loans | 773.8012% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,509 |
| Noncurrent loans to loans | 0.1383% | 3,015 |
| Net loans and leases to total assets | 64.4382% | 1,857 |
| Net loans and leases to deposits | 69.7099% | 2,238 |
| Net loans and leases to core deposits | 71.8869% | 2,346 |
| Total domestic deposits to total assets | 92.4376% | 677 |
| Equity capital to assets | 6.5152% | 4,016 |
| Core capital (leverage) ratio | 8.2821% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9648% | 2,827 |
| Memoranda: | ||
| Average total assets | $963,602,000 | 1,016 |
| Average earning assets | $895,564,000 | 1,013 |
| Average equity | $69,410,333 | 1,299 |
| Average total loans | $601,906,000 | 1,023 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0557% | 3,095 |
| Cost of funding earning assets | 0.1343% | 3,712 |
| Net interest margin | 2.9214% | 2,763 |
| Noninterest income to average assets | 1.1072% | 553 |
| Noninterest expense to average assets | 2.9134% | 934 |
| Loan and lease loss provision to assets | -0.1236% | 4,623 |
| Net operating income to assets | 0.8340% | 2,539 |
| Return on assets (ROA) | 0.8340% | 2,535 |
| Pretax return on assets | 1.0417% | 2,317 |
| Return on Equity (ROE) | 11.0620% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.0620% | 776 |
| Net charge-offs to loans | -0.1718% | 4,576 |
| Credit loss provision to net charge-offs | 117.6471% | 940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0379% | 1,515 |
| Assets per employee ($millions) | 6.1006% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,148 |
| Loan loss allowance to noncurrent loans | 806.3380% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,619 |
| Noncurrent loans to loans | 0.1415% | 3,100 |
| Net loans and leases to total assets | 61.7746% | 1,887 |
| Net loans and leases to deposits | 67.3165% | 2,214 |
| Net loans and leases to core deposits | 69.6882% | 2,318 |
| Total domestic deposits to total assets | 91.7673% | 667 |
| Equity capital to assets | 7.1452% | 4,130 |
| Core capital (leverage) ratio | 8.3961% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1058% | 2,868 |
| Memoranda: | ||
| Average total assets | $970,699,000 | 1,010 |
| Average earning assets | $905,189,500 | 1,008 |
| Average equity | $73,187,500 | 1,284 |
| Average total loans | $593,660,500 | 1,031 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 2,841 |
| Cost of funding earning assets | 0.1964% | 3,504 |
| Net interest margin | 3.2372% | 2,498 |
| Noninterest income to average assets | 1.2556% | 670 |
| Noninterest expense to average assets | 3.2080% | 717 |
| Loan and lease loss provision to assets | -0.0547% | 4,376 |
| Net operating income to assets | 0.8975% | 3,056 |
| Return on assets (ROA) | 0.8975% | 3,112 |
| Pretax return on assets | 1.1139% | 2,919 |
| Return on Equity (ROE) | 10.9847% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.9847% | 702 |
| Net charge-offs to loans | -0.0426% | 4,251 |
| Credit loss provision to net charge-offs | 193.7984% | 1,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1796% | 1,190 |
| Assets per employee ($millions) | 6.1867% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,966 |
| Loan loss allowance to noncurrent loans | 724.8428% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,706 |
| Noncurrent loans to loans | 0.1631% | 3,124 |
| Net loans and leases to total assets | 59.1399% | 2,254 |
| Net loans and leases to deposits | 64.9383% | 2,603 |
| Net loans and leases to core deposits | 67.2130% | 2,719 |
| Total domestic deposits to total assets | 91.0708% | 471 |
| Equity capital to assets | 7.9286% | 4,397 |
| Core capital (leverage) ratio | 8.2193% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3742% | 2,807 |
| Memoranda: | ||
| Average total assets | $913,585,400 | 1,033 |
| Average earning assets | $849,900,800 | 1,035 |
| Average equity | $74,640,200 | 1,279 |
| Average total loans | $604,978,200 | 1,001 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 2,824 |
| Cost of funding earning assets | 0.2094% | 3,519 |
| Net interest margin | 3.2963% | 2,427 |
| Noninterest income to average assets | 1.2572% | 737 |
| Noninterest expense to average assets | 3.1868% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9043% | 3,234 |
| Return on assets (ROA) | 0.9043% | 3,310 |
| Pretax return on assets | 1.1311% | 3,133 |
| Return on Equity (ROE) | 10.9803% | 2,372 |
| Retained earnings to average equity (ytd only) | 10.9803% | 1,069 |
| Net charge-offs to loans | -0.0260% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8037% | 1,230 |
| Assets per employee ($millions) | 6.0458% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,904 |
| Loan loss allowance to noncurrent loans | 382.3437% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,335 |
| Noncurrent loans to loans | 0.3186% | 2,637 |
| Net loans and leases to total assets | 62.5599% | 1,930 |
| Net loans and leases to deposits | 68.8483% | 2,351 |
| Net loans and leases to core deposits | 71.3519% | 2,484 |
| Total domestic deposits to total assets | 90.8664% | 408 |
| Equity capital to assets | 8.0996% | 4,468 |
| Core capital (leverage) ratio | 8.2657% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3438% | 2,893 |
| Memoranda: | ||
| Average total assets | $897,605,250 | 1,058 |
| Average earning assets | $833,441,750 | 1,064 |
| Average equity | $73,924,500 | 1,306 |
| Average total loans | $609,970,000 | 1,013 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 2,714 |
| Cost of funding earning assets | 0.2261% | 3,506 |
| Net interest margin | 3.3453% | 2,314 |
| Noninterest income to average assets | 1.2654% | 729 |
| Noninterest expense to average assets | 3.2055% | 711 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9259% | 3,141 |
| Return on assets (ROA) | 0.9259% | 3,219 |
| Pretax return on assets | 1.1591% | 3,031 |
| Return on Equity (ROE) | 11.1761% | 2,362 |
| Retained earnings to average equity (ytd only) | 11.1761% | 1,083 |
| Net charge-offs to loans | -0.0176% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4434% | 1,293 |
| Assets per employee ($millions) | 5.9396% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,024 |
| Loan loss allowance to noncurrent loans | 363.5081% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 2,407 |
| Noncurrent loans to loans | 0.3260% | 2,748 |
| Net loans and leases to total assets | 66.1805% | 1,680 |
| Net loans and leases to deposits | 73.0802% | 2,098 |
| Net loans and leases to core deposits | 76.3275% | 2,206 |
| Total domestic deposits to total assets | 90.5587% | 533 |
| Equity capital to assets | 8.2653% | 4,384 |
| Core capital (leverage) ratio | 8.2098% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5451% | 2,846 |
| Memoranda: | ||
| Average total assets | $882,423,667 | 1,071 |
| Average earning assets | $817,507,000 | 1,069 |
| Average equity | $73,102,333 | 1,315 |
| Average total loans | $614,190,000 | 999 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 2,495 |
| Cost of funding earning assets | 0.2518% | 3,459 |
| Net interest margin | 3.3990% | 2,113 |
| Noninterest income to average assets | 1.1288% | 941 |
| Noninterest expense to average assets | 3.1627% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8964% | 3,130 |
| Return on assets (ROA) | 0.8964% | 3,212 |
| Pretax return on assets | 1.1214% | 3,064 |
| Return on Equity (ROE) | 10.8076% | 2,423 |
| Retained earnings to average equity (ytd only) | 10.8076% | 1,447 |
| Net charge-offs to loans | 0.0331% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 47.7843% | 919 |
| Efficiency ratio | 73.8238% | 1,329 |
| Assets per employee ($millions) | 5.9112% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,189 |
| Loan loss allowance to noncurrent loans | 362.1814% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,599 |
| Noncurrent loans to loans | 0.3176% | 2,959 |
| Net loans and leases to total assets | 68.8673% | 1,421 |
| Net loans and leases to deposits | 75.8290% | 1,929 |
| Net loans and leases to core deposits | 79.2412% | 2,073 |
| Total domestic deposits to total assets | 90.8193% | 465 |
| Equity capital to assets | 8.0879% | 4,442 |
| Core capital (leverage) ratio | 8.3326% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5888% | 2,792 |
| Memoranda: | ||
| Average total assets | $869,253,000 | 1,076 |
| Average earning assets | $806,937,500 | 1,071 |
| Average equity | $72,097,500 | 1,318 |
| Average total loans | $616,966,500 | 995 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 2,694 |
| Cost of funding earning assets | 0.5609% | 2,556 |
| Net interest margin | 3.4497% | 2,629 |
| Noninterest income to average assets | 1.2627% | 711 |
| Noninterest expense to average assets | 3.3726% | 820 |
| Loan and lease loss provision to assets | 0.3184% | 1,160 |
| Net operating income to assets | 0.6141% | 3,699 |
| Return on assets (ROA) | 0.6785% | 3,624 |
| Pretax return on assets | 0.8433% | 3,516 |
| Return on Equity (ROE) | 7.8137% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.3745% | 1,641 |
| Net charge-offs to loans | 0.0361% | 2,333 |
| Credit loss provision to net charge-offs | 1,158.1818% | 701 |
| Earnings coverage of net charge-offs (x) | 39.3273% | 1,407 |
| Efficiency ratio | 75.7225% | 1,266 |
| Assets per employee ($millions) | 5.8344% | 2,512 |
| Cash dividends to net income (ytd only)* | 18.4196% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,151 |
| Loan loss allowance to noncurrent loans | 346.7539% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 2,494 |
| Noncurrent loans to loans | 0.3350% | 3,005 |
| Net loans and leases to total assets | 71.4978% | 1,366 |
| Net loans and leases to deposits | 79.1266% | 1,965 |
| Net loans and leases to core deposits | 82.8435% | 2,132 |
| Total domestic deposits to total assets | 90.3588% | 430 |
| Equity capital to assets | 8.5089% | 4,435 |
| Core capital (leverage) ratio | 8.2816% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3071% | 2,841 |
| Memoranda: | ||
| Average total assets | $800,159,600 | 1,055 |
| Average earning assets | $740,186,000 | 1,053 |
| Average equity | $69,480,400 | 1,301 |
| Average total loans | $610,083,600 | 959 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 2,925 |
| Cost of funding earning assets | 0.6178% | 2,503 |
| Net interest margin | 3.3984% | 2,927 |
| Noninterest income to average assets | 1.2521% | 694 |
| Noninterest expense to average assets | 3.3475% | 845 |
| Loan and lease loss provision to assets | 0.3977% | 891 |
| Net operating income to assets | 0.5194% | 3,982 |
| Return on assets (ROA) | 0.6067% | 3,842 |
| Pretax return on assets | 0.7567% | 3,759 |
| Return on Equity (ROE) | 6.9487% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.0088% | 2,558 |
| Net charge-offs to loans | 0.0462% | 1,955 |
| Credit loss provision to net charge-offs | 1,112.7962% | 773 |
| Earnings coverage of net charge-offs (x) | 29.2512% | 1,609 |
| Efficiency ratio | 76.2039% | 1,193 |
| Assets per employee ($millions) | 5.7011% | 2,537 |
| Cash dividends to net income (ytd only)* | 27.9174% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,218 |
| Loan loss allowance to noncurrent loans | 274.3600% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,329 |
| Noncurrent loans to loans | 0.4006% | 2,858 |
| Net loans and leases to total assets | 73.7894% | 1,401 |
| Net loans and leases to deposits | 81.5045% | 2,147 |
| Net loans and leases to core deposits | 85.3387% | 2,359 |
| Total domestic deposits to total assets | 90.5341% | 275 |
| Equity capital to assets | 8.3691% | 4,540 |
| Core capital (leverage) ratio | 8.1198% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2673% | 2,851 |
| Memoranda: | ||
| Average total assets | $787,243,750 | 1,056 |
| Average earning assets | $727,544,500 | 1,052 |
| Average equity | $68,730,250 | 1,304 |
| Average total loans | $608,556,500 | 962 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 2,985 |
| Cost of funding earning assets | 0.6649% | 2,591 |
| Net interest margin | 3.4585% | 2,925 |
| Noninterest income to average assets | 1.1241% | 786 |
| Noninterest expense to average assets | 3.3967% | 853 |
| Loan and lease loss provision to assets | 0.4300% | 914 |
| Net operating income to assets | 0.3915% | 4,247 |
| Return on assets (ROA) | 0.5276% | 4,025 |
| Pretax return on assets | 0.6549% | 3,960 |
| Return on Equity (ROE) | 5.9520% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.0084% | 3,387 |
| Net charge-offs to loans | 0.0946% | 1,316 |
| Credit loss provision to net charge-offs | 580.2817% | 1,129 |
| Earnings coverage of net charge-offs (x) | 12.3732% | 2,060 |
| Efficiency ratio | 78.7443% | 983 |
| Assets per employee ($millions) | 5.3038% | 2,831 |
| Cash dividends to net income (ytd only)* | 49.4560% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,691 |
| Loan loss allowance to noncurrent loans | 119.4177% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 1,507 |
| Noncurrent loans to loans | 0.8156% | 1,863 |
| Net loans and leases to total assets | 76.1025% | 1,126 |
| Net loans and leases to deposits | 84.1014% | 1,991 |
| Net loans and leases to core deposits | 89.6196% | 2,103 |
| Total domestic deposits to total assets | 90.4890% | 274 |
| Equity capital to assets | 8.3837% | 4,542 |
| Core capital (leverage) ratio | 8.3037% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0026% | 2,969 |
| Memoranda: | ||
| Average total assets | $766,504,333 | 1,063 |
| Average earning assets | $706,897,333 | 1,064 |
| Average equity | $67,943,000 | 1,304 |
| Average total loans | $600,149,000 | 959 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 2,520 |
| Cost of funding earning assets | 0.7518% | 2,656 |
| Net interest margin | 3.6740% | 2,421 |
| Noninterest income to average assets | 0.9184% | 1,030 |
| Noninterest expense to average assets | 3.3149% | 1,194 |
| Loan and lease loss provision to assets | 0.4826% | 615 |
| Net operating income to assets | 0.4006% | 4,134 |
| Return on assets (ROA) | 0.5880% | 3,689 |
| Pretax return on assets | 0.7331% | 3,583 |
| Return on Equity (ROE) | 6.4375% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.8677% | 3,134 |
| Net charge-offs to loans | 0.1669% | 790 |
| Credit loss provision to net charge-offs | 365.4321% | 1,057 |
| Earnings coverage of net charge-offs (x) | 7.4321% | 1,922 |
| Efficiency ratio | 77.1566% | 1,442 |
| Assets per employee ($millions) | 4.6363% | 3,079 |
| Cash dividends to net income (ytd only)* | 55.4529% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,972 |
| Loan loss allowance to noncurrent loans | 376.4787% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 2,746 |
| Noncurrent loans to loans | 0.2497% | 3,594 |
| Net loans and leases to total assets | 77.2727% | 1,090 |
| Net loans and leases to deposits | 86.2411% | 1,967 |
| Net loans and leases to core deposits | 92.3784% | 2,119 |
| Total domestic deposits to total assets | 89.6008% | 445 |
| Equity capital to assets | 9.1375% | 4,517 |
| Core capital (leverage) ratio | 9.0684% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7019% | 3,181 |
| Memoranda: | ||
| Average total assets | $736,063,000 | 1,066 |
| Average earning assets | $676,756,000 | 1,072 |
| Average equity | $67,231,500 | 1,310 |
| Average total loans | $582,296,000 | 962 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 2,487 |
| Cost of funding earning assets | 0.7774% | 2,782 |
| Net interest margin | 3.8680% | 2,278 |
| Noninterest income to average assets | 0.9561% | 1,065 |
| Noninterest expense to average assets | 3.4318% | 1,057 |
| Loan and lease loss provision to assets | 0.0750% | 2,494 |
| Net operating income to assets | 0.8166% | 3,505 |
| Return on assets (ROA) | 0.8624% | 3,442 |
| Pretax return on assets | 1.0688% | 3,267 |
| Return on Equity (ROE) | 9.4752% | 2,532 |
| Retained earnings to average equity (ytd only) | 6.6373% | 1,548 |
| Net charge-offs to loans | 0.0494% | 2,407 |
| Credit loss provision to net charge-offs | 190.1818% | 1,389 |
| Earnings coverage of net charge-offs (x) | 27.5564% | 1,659 |
| Efficiency ratio | 75.9390% | 1,380 |
| Assets per employee ($millions) | 4.6818% | 2,972 |
| Cash dividends to net income (ytd only)* | 29.9501% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 4,223 |
| Loan loss allowance to noncurrent loans | 371.1760% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 2,412 |
| Noncurrent loans to loans | 0.2234% | 3,649 |
| Net loans and leases to total assets | 79.5792% | 840 |
| Net loans and leases to deposits | 88.8442% | 1,725 |
| Net loans and leases to core deposits | 94.5538% | 2,018 |
| Total domestic deposits to total assets | 89.5717% | 470 |
| Equity capital to assets | 9.1303% | 4,621 |
| Core capital (leverage) ratio | 9.1345% | 4,420 |
| Tier 1 risk-based capital ratio | 10.7520% | 4,947 |
| Total risk-based capital ratio | 11.5355% | 5,015 |
| Memoranda: | ||
| Average total assets | $696,922,800 | 1,072 |
| Average earning assets | $641,989,400 | 1,075 |
| Average equity | $63,429,000 | 1,327 |
| Average total loans | $556,875,600 | 968 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 2,524 |
| Cost of funding earning assets | 0.7514% | 2,963 |
| Net interest margin | 3.9098% | 2,217 |
| Noninterest income to average assets | 0.8782% | 1,197 |
| Noninterest expense to average assets | 3.3960% | 1,102 |
| Loan and lease loss provision to assets | 0.0839% | 2,228 |
| Net operating income to assets | 0.8011% | 3,671 |
| Return on assets (ROA) | 0.8461% | 3,613 |
| Pretax return on assets | 1.0585% | 3,420 |
| Return on Equity (ROE) | 9.3043% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.7534% | 1,979 |
| Net charge-offs to loans | 0.0586% | 1,986 |
| Credit loss provision to net charge-offs | 179.3388% | 1,433 |
| Earnings coverage of net charge-offs (x) | 23.2189% | 1,839 |
| Efficiency ratio | 75.7666% | 1,357 |
| Assets per employee ($millions) | 4.5706% | 3,096 |
| Cash dividends to net income (ytd only)* | 27.4161% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 4,225 |
| Loan loss allowance to noncurrent loans | 269.5088% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 2,311 |
| Noncurrent loans to loans | 0.3155% | 3,399 |
| Net loans and leases to total assets | 78.5711% | 1,053 |
| Net loans and leases to deposits | 87.8160% | 1,955 |
| Net loans and leases to core deposits | 93.6393% | 2,208 |
| Total domestic deposits to total assets | 89.4724% | 454 |
| Equity capital to assets | 9.2464% | 4,632 |
| Core capital (leverage) ratio | 9.2998% | 4,370 |
| Tier 1 risk-based capital ratio | 11.0301% | 4,895 |
| Total risk-based capital ratio | 11.8372% | 4,976 |
| Memoranda: | ||
| Average total assets | $689,732,000 | 1,081 |
| Average earning assets | $635,781,500 | 1,086 |
| Average equity | $62,722,000 | 1,330 |
| Average total loans | $550,513,500 | 980 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 2,543 |
| Cost of funding earning assets | 0.7115% | 3,107 |
| Net interest margin | 3.9287% | 2,159 |
| Noninterest income to average assets | 0.8255% | 1,263 |
| Noninterest expense to average assets | 3.3250% | 1,237 |
| Loan and lease loss provision to assets | 0.0954% | 1,945 |
| Net operating income to assets | 0.8234% | 3,572 |
| Return on assets (ROA) | 0.8234% | 3,628 |
| Pretax return on assets | 1.0294% | 3,452 |
| Return on Equity (ROE) | 9.1077% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.5184% | 2,042 |
| Net charge-offs to loans | 0.0669% | 1,698 |
| Credit loss provision to net charge-offs | 178.1421% | 1,324 |
| Earnings coverage of net charge-offs (x) | 21.0055% | 1,748 |
| Efficiency ratio | 74.7222% | 1,555 |
| Assets per employee ($millions) | 4.5127% | 3,123 |
| Cash dividends to net income (ytd only)* | 28.4293% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 4,301 |
| Loan loss allowance to noncurrent loans | 135.5524% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 1,641 |
| Noncurrent loans to loans | 0.6211% | 2,404 |
| Net loans and leases to total assets | 80.5889% | 793 |
| Net loans and leases to deposits | 90.0420% | 1,733 |
| Net loans and leases to core deposits | 95.9755% | 2,074 |
| Total domestic deposits to total assets | 89.5015% | 474 |
| Equity capital to assets | 9.2390% | 4,620 |
| Core capital (leverage) ratio | 9.2858% | 4,370 |
| Tier 1 risk-based capital ratio | 10.8675% | 4,971 |
| Total risk-based capital ratio | 11.6688% | 5,049 |
| Memoranda: | ||
| Average total assets | $683,493,000 | 1,091 |
| Average earning assets | $630,536,670 | 1,097 |
| Average equity | $61,794,000 | 1,338 |
| Average total loans | $546,881,670 | 990 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 2,494 |
| Cost of funding earning assets | 0.6716% | 3,194 |
| Net interest margin | 3.9399% | 2,064 |
| Noninterest income to average assets | 0.6612% | 1,775 |
| Noninterest expense to average assets | 3.1923% | 1,513 |
| Loan and lease loss provision to assets | 0.1235% | 1,418 |
| Net operating income to assets | 0.7864% | 3,667 |
| Return on assets (ROA) | 0.7864% | 3,713 |
| Pretax return on assets | 0.9823% | 3,503 |
| Return on Equity (ROE) | 8.7966% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.1649% | 2,381 |
| Net charge-offs to loans | 0.0874% | 1,229 |
| Credit loss provision to net charge-offs | 177.9661% | 1,123 |
| Earnings coverage of net charge-offs (x) | 15.9322% | 1,723 |
| Efficiency ratio | 74.2712% | 1,721 |
| Assets per employee ($millions) | 4.5051% | 3,187 |
| Cash dividends to net income (ytd only)* | 29.9177% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,299 |
| Loan loss allowance to noncurrent loans | 129.0171% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,653 |
| Noncurrent loans to loans | 0.6667% | 2,351 |
| Net loans and leases to total assets | 78.6476% | 1,047 |
| Net loans and leases to deposits | 87.2133% | 1,970 |
| Net loans and leases to core deposits | 94.4914% | 2,084 |
| Total domestic deposits to total assets | 90.1785% | 392 |
| Equity capital to assets | 9.0222% | 4,664 |
| Core capital (leverage) ratio | 9.3112% | 4,351 |
| Tier 1 risk-based capital ratio | 10.9661% | 4,992 |
| Total risk-based capital ratio | 11.7797% | 5,076 |
| Memoranda: | ||
| Average total assets | $680,020,000 | 1,098 |
| Average earning assets | $627,730,500 | 1,100 |
| Average equity | $60,796,000 | 1,358 |
| Average total loans | $539,752,000 | 1,003 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,593 |
| Cost of funding earning assets | 0.5905% | 2,789 |
| Net interest margin | 3.8642% | 2,449 |
| Noninterest income to average assets | 0.7746% | 1,550 |
| Noninterest expense to average assets | 3.1624% | 1,642 |
| Loan and lease loss provision to assets | 0.1093% | 2,013 |
| Net operating income to assets | 0.8711% | 3,532 |
| Return on assets (ROA) | 0.8711% | 3,527 |
| Pretax return on assets | 1.0908% | 3,310 |
| Return on Equity (ROE) | 9.9665% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.5709% | 1,022 |
| Net charge-offs to loans | 0.1701% | 1,127 |
| Credit loss provision to net charge-offs | 80.7432% | 2,850 |
| Earnings coverage of net charge-offs (x) | 8.8637% | 2,855 |
| Efficiency ratio | 72.4896% | 1,842 |
| Assets per employee ($millions) | 4.5017% | 3,167 |
| Cash dividends to net income (ytd only)* | 14.0032% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,346 |
| Loan loss allowance to noncurrent loans | 155.8693% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 1,754 |
| Noncurrent loans to loans | 0.5480% | 2,632 |
| Net loans and leases to total assets | 78.7381% | 1,146 |
| Net loans and leases to deposits | 86.7631% | 2,183 |
| Net loans and leases to core deposits | 93.8083% | 2,240 |
| Total domestic deposits to total assets | 90.7507% | 259 |
| Equity capital to assets | 8.8573% | 4,687 |
| Core capital (leverage) ratio | 9.2494% | 4,397 |
| Tier 1 risk-based capital ratio | 10.9985% | 4,985 |
| Total risk-based capital ratio | 11.8105% | 5,053 |
| Memoranda: | ||
| Average total assets | $655,836,800 | 1,107 |
| Average earning assets | $608,944,000 | 1,103 |
| Average equity | $57,322,000 | 1,379 |
| Average total loans | $522,018,000 | 1,004 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,618 |
| Cost of funding earning assets | 0.5699% | 2,708 |
| Net interest margin | 3.8324% | 2,517 |
| Noninterest income to average assets | 0.7631% | 1,615 |
| Noninterest expense to average assets | 3.1558% | 1,627 |
| Loan and lease loss provision to assets | 0.1079% | 1,856 |
| Net operating income to assets | 0.8490% | 3,746 |
| Return on assets (ROA) | 0.8490% | 3,751 |
| Pretax return on assets | 1.0609% | 3,531 |
| Return on Equity (ROE) | 9.7470% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.8064% | 1,302 |
| Net charge-offs to loans | 0.1846% | 908 |
| Credit loss provision to net charge-offs | 73.3983% | 2,600 |
| Earnings coverage of net charge-offs (x) | 7.9485% | 2,760 |
| Efficiency ratio | 72.9718% | 1,738 |
| Assets per employee ($millions) | 4.4495% | 3,199 |
| Cash dividends to net income (ytd only)* | 9.6502% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,428 |
| Loan loss allowance to noncurrent loans | 194.1677% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 2,054 |
| Noncurrent loans to loans | 0.4422% | 3,072 |
| Net loans and leases to total assets | 78.9048% | 1,182 |
| Net loans and leases to deposits | 86.6220% | 2,303 |
| Net loans and leases to core deposits | 93.8400% | 2,305 |
| Total domestic deposits to total assets | 91.0909% | 197 |
| Equity capital to assets | 8.6641% | 4,819 |
| Core capital (leverage) ratio | 9.1955% | 4,518 |
| Tier 1 risk-based capital ratio | 11.3649% | 4,864 |
| Total risk-based capital ratio | 12.2163% | 4,951 |
| Memoranda: | ||
| Average total assets | $650,981,250 | 1,119 |
| Average earning assets | $604,969,750 | 1,107 |
| Average equity | $56,700,000 | 1,389 |
| Average total loans | $518,455,750 | 1,004 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,777 |
| Cost of funding earning assets | 0.5488% | 2,621 |
| Net interest margin | 3.7457% | 2,766 |
| Noninterest income to average assets | 0.6813% | 1,952 |
| Noninterest expense to average assets | 3.0349% | 1,955 |
| Loan and lease loss provision to assets | 0.1044% | 1,864 |
| Net operating income to assets | 0.8189% | 3,790 |
| Return on assets (ROA) | 0.8189% | 3,799 |
| Pretax return on assets | 1.0228% | 3,590 |
| Return on Equity (ROE) | 9.3849% | 2,859 |
| Retained earnings to average equity (ytd only) | 9.3849% | 1,097 |
| Net charge-offs to loans | 0.1560% | 989 |
| Credit loss provision to net charge-offs | 84.0399% | 2,219 |
| Earnings coverage of net charge-offs (x) | 9.0723% | 2,420 |
| Efficiency ratio | 72.9174% | 1,861 |
| Assets per employee ($millions) | 4.4328% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,435 |
| Loan loss allowance to noncurrent loans | 146.7293% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 1,706 |
| Noncurrent loans to loans | 0.5981% | 2,624 |
| Net loans and leases to total assets | 80.7172% | 906 |
| Net loans and leases to deposits | 88.7556% | 2,014 |
| Net loans and leases to core deposits | 95.7709% | 2,077 |
| Total domestic deposits to total assets | 90.9432% | 258 |
| Equity capital to assets | 8.7300% | 4,773 |
| Core capital (leverage) ratio | 9.0771% | 4,611 |
| Tier 1 risk-based capital ratio | 11.2439% | 4,927 |
| Total risk-based capital ratio | 12.1257% | 5,008 |
| Memoranda: | ||
| Average total assets | $645,498,330 | 1,129 |
| Average earning assets | $599,827,330 | 1,118 |
| Average equity | $56,324,330 | 1,393 |
| Average total loans | $514,209,330 | 1,018 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 3,112 |
| Cost of funding earning assets | 0.5191% | 2,648 |
| Net interest margin | 3.6142% | 3,119 |
| Noninterest income to average assets | 0.7404% | 1,657 |
| Noninterest expense to average assets | 3.1433% | 1,706 |
| Loan and lease loss provision to assets | 0.0137% | 3,352 |
| Net operating income to assets | 0.7585% | 3,878 |
| Return on assets (ROA) | 0.7585% | 3,877 |
| Pretax return on assets | 0.9459% | 3,716 |
| Return on Equity (ROE) | 8.6947% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.6947% | 1,578 |
| Net charge-offs to loans | 0.0817% | 1,316 |
| Credit loss provision to net charge-offs | 21.3592% | 2,120 |
| Earnings coverage of net charge-offs (x) | 14.9126% | 1,686 |
| Efficiency ratio | 76.6103% | 1,499 |
| Assets per employee ($millions) | 4.4482% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,375 |
| Loan loss allowance to noncurrent loans | 131.7630% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 1,836 |
| Noncurrent loans to loans | 0.6951% | 2,474 |
| Net loans and leases to total assets | 77.2807% | 1,346 |
| Net loans and leases to deposits | 86.3132% | 2,121 |
| Net loans and leases to core deposits | 92.8074% | 2,235 |
| Total domestic deposits to total assets | 89.5353% | 871 |
| Equity capital to assets | 8.5691% | 4,924 |
| Core capital (leverage) ratio | 9.2854% | 4,342 |
| Tier 1 risk-based capital ratio | 11.0931% | 5,087 |
| Total risk-based capital ratio | 11.9811% | 5,164 |
| Memoranda: | ||
| Average total assets | $640,222,500 | 1,149 |
| Average earning assets | $595,658,000 | 1,137 |
| Average equity | $55,850,000 | 1,407 |
| Average total loans | $504,197,500 | 1,043 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,428 |
| Cost of funding earning assets | 0.5063% | 2,276 |
| Net interest margin | 3.7633% | 2,551 |
| Noninterest income to average assets | 0.7833% | 1,635 |
| Noninterest expense to average assets | 3.1422% | 1,740 |
| Loan and lease loss provision to assets | 0.1658% | 1,329 |
| Net operating income to assets | 0.5299% | 4,295 |
| Return on assets (ROA) | 0.5420% | 4,286 |
| Pretax return on assets | 0.9758% | 3,654 |
| Return on Equity (ROE) | 6.0654% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.0654% | 1,507 |
| Net charge-offs to loans | 0.4012% | 624 |
| Credit loss provision to net charge-offs | 50.7409% | 3,323 |
| Earnings coverage of net charge-offs (x) | 3.4369% | 3,608 |
| Efficiency ratio | 73.6762% | 1,949 |
| Assets per employee ($millions) | 4.3211% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,193 |
| Loan loss allowance to noncurrent loans | 110.3064% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 1,361 |
| Noncurrent loans to loans | 0.8644% | 2,066 |
| Net loans and leases to total assets | 78.7865% | 1,162 |
| Net loans and leases to deposits | 86.7974% | 2,160 |
| Net loans and leases to core deposits | 93.4977% | 2,243 |
| Total domestic deposits to total assets | 90.7706% | 308 |
| Equity capital to assets | 8.8846% | 4,830 |
| Core capital (leverage) ratio | 9.0825% | 4,545 |
| Tier 1 risk-based capital ratio | 11.0816% | 5,098 |
| Total risk-based capital ratio | 12.0072% | 5,163 |
| Memoranda: | ||
| Average total assets | $599,094,200 | 1,194 |
| Average earning assets | $554,241,800 | 1,200 |
| Average equity | $53,532,800 | 1,438 |
| Average total loans | $487,815,000 | 1,052 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,441 |
| Cost of funding earning assets | 0.4950% | 2,309 |
| Net interest margin | 3.7530% | 2,568 |
| Noninterest income to average assets | 0.7357% | 1,849 |
| Noninterest expense to average assets | 3.1399% | 1,698 |
| Loan and lease loss provision to assets | 0.1677% | 1,207 |
| Net operating income to assets | 0.6126% | 4,345 |
| Return on assets (ROA) | 0.6299% | 4,326 |
| Pretax return on assets | 0.9203% | 3,967 |
| Return on Equity (ROE) | 7.0389% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.0389% | 1,673 |
| Net charge-offs to loans | 0.1212% | 1,579 |
| Credit loss provision to net charge-offs | 168.9342% | 1,539 |
| Earnings coverage of net charge-offs (x) | 10.7029% | 2,568 |
| Efficiency ratio | 74.7147% | 1,788 |
| Assets per employee ($millions) | 4.4587% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,928 |
| Loan loss allowance to noncurrent loans | 257.9263% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 2,139 |
| Noncurrent loans to loans | 0.4656% | 3,304 |
| Net loans and leases to total assets | 79.9132% | 996 |
| Net loans and leases to deposits | 88.1034% | 2,045 |
| Net loans and leases to core deposits | 94.9865% | 2,171 |
| Total domestic deposits to total assets | 90.7039% | 257 |
| Equity capital to assets | 8.9463% | 4,957 |
| Core capital (leverage) ratio | 9.2469% | 4,468 |
| Tier 1 risk-based capital ratio | 11.0184% | 5,236 |
| Total risk-based capital ratio | 12.1935% | 5,170 |
| Memoranda: | ||
| Average total assets | $592,226,750 | 1,217 |
| Average earning assets | $547,062,250 | 1,219 |
| Average equity | $52,999,000 | 1,464 |
| Average total loans | $485,168,750 | 1,062 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 2,425 |
| Cost of funding earning assets | 0.4799% | 2,327 |
| Net interest margin | 3.7328% | 2,535 |
| Noninterest income to average assets | 0.7011% | 1,987 |
| Noninterest expense to average assets | 3.1452% | 1,715 |
| Loan and lease loss provision to assets | 0.1869% | 1,009 |
| Net operating income to assets | 0.5654% | 4,448 |
| Return on assets (ROA) | 0.5801% | 4,445 |
| Pretax return on assets | 0.8432% | 4,117 |
| Return on Equity (ROE) | 6.4810% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.4810% | 1,858 |
| Net charge-offs to loans | 0.0538% | 2,158 |
| Credit loss provision to net charge-offs | 422.4806% | 751 |
| Earnings coverage of net charge-offs (x) | 22.7984% | 1,697 |
| Efficiency ratio | 75.7143% | 1,768 |
| Assets per employee ($millions) | 4.1972% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,710 |
| Loan loss allowance to noncurrent loans | 231.4836% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 1,942 |
| Noncurrent loans to loans | 0.5385% | 3,139 |
| Net loans and leases to total assets | 81.5031% | 744 |
| Net loans and leases to deposits | 90.8391% | 1,627 |
| Net loans and leases to core deposits | 97.6834% | 1,837 |
| Total domestic deposits to total assets | 89.7226% | 636 |
| Equity capital to assets | 9.1199% | 4,781 |
| Core capital (leverage) ratio | 9.4172% | 4,216 |
| Tier 1 risk-based capital ratio | 10.8770% | 5,318 |
| Total risk-based capital ratio | 12.0823% | 5,255 |
| Memoranda: | ||
| Average total assets | $583,050,670 | 1,243 |
| Average earning assets | $539,322,670 | 1,237 |
| Average equity | $52,183,670 | 1,489 |
| Average total loans | $479,796,330 | 1,076 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,535 |
| Cost of funding earning assets | 0.4758% | 2,297 |
| Net interest margin | 3.6587% | 2,660 |
| Noninterest income to average assets | 0.5939% | 2,448 |
| Noninterest expense to average assets | 3.0823% | 1,915 |
| Loan and lease loss provision to assets | 0.0694% | 2,424 |
| Net operating income to assets | 0.5683% | 4,289 |
| Return on assets (ROA) | 0.5730% | 4,314 |
| Pretax return on assets | 0.8311% | 4,002 |
| Return on Equity (ROE) | 6.4660% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.4660% | 2,102 |
| Net charge-offs to loans | 0.0844% | 1,506 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 12.8800% | 1,820 |
| Efficiency ratio | 77.5257% | 1,697 |
| Assets per employee ($millions) | 4.2240% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,090 |
| Loan loss allowance to noncurrent loans | 181.6333% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 1,786 |
| Noncurrent loans to loans | 0.6645% | 2,844 |
| Net loans and leases to total assets | 80.8512% | 715 |
| Net loans and leases to deposits | 89.3743% | 1,619 |
| Net loans and leases to core deposits | 96.0579% | 1,816 |
| Total domestic deposits to total assets | 90.4636% | 487 |
| Equity capital to assets | 9.1840% | 4,631 |
| Core capital (leverage) ratio | 9.5262% | 4,092 |
| Tier 1 risk-based capital ratio | 11.0161% | 5,303 |
| Total risk-based capital ratio | 12.1720% | 5,274 |
| Memoranda: | ||
| Average total assets | $576,574,000 | 1,249 |
| Average earning assets | $532,983,000 | 1,245 |
| Average equity | $51,098,000 | 1,512 |
| Average total loans | $473,747,500 | 1,082 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,312 |
| Cost of funding earning assets | 0.4604% | 2,442 |
| Net interest margin | 3.7905% | 2,349 |
| Noninterest income to average assets | 0.7880% | 1,795 |
| Noninterest expense to average assets | 3.1723% | 1,856 |
| Loan and lease loss provision to assets | 0.2949% | 644 |
| Net operating income to assets | 0.5735% | 4,334 |
| Return on assets (ROA) | 0.6349% | 4,180 |
| Pretax return on assets | 0.9290% | 3,738 |
| Return on Equity (ROE) | 7.0603% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.8399% | 1,799 |
| Net charge-offs to loans | 0.1270% | 1,974 |
| Credit loss provision to net charge-offs | 278.4111% | 1,047 |
| Earnings coverage of net charge-offs (x) | 10.7029% | 2,613 |
| Efficiency ratio | 73.6746% | 2,330 |
| Assets per employee ($millions) | 4.2553% | 3,519 |
| Cash dividends to net income (ytd only)* | 17.2861% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,087 |
| Loan loss allowance to noncurrent loans | 224.1569% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 2,206 |
| Noncurrent loans to loans | 0.5381% | 3,238 |
| Net loans and leases to total assets | 81.5003% | 667 |
| Net loans and leases to deposits | 89.3855% | 1,753 |
| Net loans and leases to core deposits | 92.2151% | 2,281 |
| Total domestic deposits to total assets | 91.1785% | 229 |
| Equity capital to assets | 8.5383% | 5,243 |
| Core capital (leverage) ratio | 8.9423% | 4,808 |
| Tier 1 risk-based capital ratio | 10.3660% | 5,629 |
| Total risk-based capital ratio | 11.5359% | 5,602 |
| Memoranda: | ||
| Average total assets | $546,698,600 | 1,267 |
| Average earning assets | $507,376,600 | 1,262 |
| Average equity | $49,162,000 | 1,544 |
| Average total loans | $455,934,200 | 1,078 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,305 |
| Cost of funding earning assets | 0.4523% | 2,535 |
| Net interest margin | 3.8063% | 2,310 |
| Noninterest income to average assets | 0.7754% | 1,863 |
| Noninterest expense to average assets | 3.1327% | 1,946 |
| Loan and lease loss provision to assets | 0.1470% | 1,596 |
| Net operating income to assets | 0.6988% | 3,852 |
| Return on assets (ROA) | 0.7734% | 3,635 |
| Pretax return on assets | 1.1390% | 3,086 |
| Return on Equity (ROE) | 8.4866% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.4866% | 985 |
| Net charge-offs to loans | 0.0960% | 1,988 |
| Credit loss provision to net charge-offs | 183.0769% | 1,535 |
| Earnings coverage of net charge-offs (x) | 14.6524% | 2,231 |
| Efficiency ratio | 72.7012% | 2,471 |
| Assets per employee ($millions) | 4.2124% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,050 |
| Loan loss allowance to noncurrent loans | 203.4922% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 2,413 |
| Noncurrent loans to loans | 0.5233% | 3,425 |
| Net loans and leases to total assets | 82.1385% | 598 |
| Net loans and leases to deposits | 90.5762% | 1,685 |
| Net loans and leases to core deposits | 93.4380% | 2,238 |
| Total domestic deposits to total assets | 90.6844% | 281 |
| Equity capital to assets | 9.0375% | 5,138 |
| Core capital (leverage) ratio | 9.1422% | 4,670 |
| Tier 1 risk-based capital ratio | 10.6474% | 5,549 |
| Total risk-based capital ratio | 11.6894% | 5,570 |
| Memoranda: | ||
| Average total assets | $539,758,500 | 1,285 |
| Average earning assets | $501,082,250 | 1,277 |
| Average equity | $49,190,250 | 1,546 |
| Average total loans | $451,442,250 | 1,080 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,305 |
| Cost of funding earning assets | 0.4408% | 2,651 |
| Net interest margin | 3.8168% | 2,247 |
| Noninterest income to average assets | 0.7810% | 1,802 |
| Noninterest expense to average assets | 3.1122% | 2,020 |
| Loan and lease loss provision to assets | 0.1689% | 1,318 |
| Net operating income to assets | 0.7074% | 3,751 |
| Return on assets (ROA) | 0.7656% | 3,616 |
| Pretax return on assets | 1.1274% | 3,097 |
| Return on Equity (ROE) | 8.3762% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.3762% | 1,050 |
| Net charge-offs to loans | 0.1101% | 1,729 |
| Credit loss provision to net charge-offs | 182.9268% | 1,385 |
| Earnings coverage of net charge-offs (x) | 13.1138% | 2,142 |
| Efficiency ratio | 71.9941% | 2,655 |
| Assets per employee ($millions) | 4.1702% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,174 |
| Loan loss allowance to noncurrent loans | 186.5979% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 2,312 |
| Noncurrent loans to loans | 0.5676% | 3,364 |
| Net loans and leases to total assets | 83.5625% | 457 |
| Net loans and leases to deposits | 92.3401% | 1,466 |
| Net loans and leases to core deposits | 95.2480% | 2,045 |
| Total domestic deposits to total assets | 90.4943% | 318 |
| Equity capital to assets | 9.1843% | 5,084 |
| Core capital (leverage) ratio | 9.3363% | 4,413 |
| Tier 1 risk-based capital ratio | 10.7498% | 5,552 |
| Total risk-based capital ratio | 11.8043% | 5,561 |
| Memoranda: | ||
| Average total assets | $532,926,670 | 1,307 |
| Average earning assets | $494,552,000 | 1,294 |
| Average equity | $48,709,330 | 1,560 |
| Average total loans | $446,877,330 | 1,093 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,208 |
| Cost of funding earning assets | 0.4413% | 2,676 |
| Net interest margin | 3.8366% | 2,151 |
| Noninterest income to average assets | 0.7107% | 1,990 |
| Noninterest expense to average assets | 3.1263% | 2,026 |
| Loan and lease loss provision to assets | 0.1520% | 1,394 |
| Net operating income to assets | 0.6817% | 3,808 |
| Return on assets (ROA) | 0.7153% | 3,752 |
| Pretax return on assets | 1.0505% | 3,274 |
| Return on Equity (ROE) | 7.8453% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.8453% | 1,526 |
| Net charge-offs to loans | 0.1210% | 1,383 |
| Credit loss provision to net charge-offs | 150.3759% | 1,271 |
| Earnings coverage of net charge-offs (x) | 11.4060% | 1,863 |
| Efficiency ratio | 73.0551% | 2,630 |
| Assets per employee ($millions) | 4.0078% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 4,201 |
| Loan loss allowance to noncurrent loans | 176.9747% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 2,306 |
| Noncurrent loans to loans | 0.6070% | 3,356 |
| Net loans and leases to total assets | 83.3121% | 426 |
| Net loans and leases to deposits | 92.1582% | 1,328 |
| Net loans and leases to core deposits | 94.9547% | 1,890 |
| Total domestic deposits to total assets | 90.4012% | 466 |
| Equity capital to assets | 9.2884% | 4,898 |
| Core capital (leverage) ratio | 9.3726% | 4,393 |
| Tier 1 risk-based capital ratio | 10.9282% | 5,536 |
| Total risk-based capital ratio | 11.9936% | 5,549 |
| Memoranda: | ||
| Average total assets | $526,243,500 | 1,325 |
| Average earning assets | $489,498,000 | 1,303 |
| Average equity | $47,977,500 | 1,575 |
| Average total loans | $439,624,500 | 1,104 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,852 |
| Cost of funding earning assets | 0.4547% | 2,582 |
| Net interest margin | 3.9602% | 1,842 |
| Noninterest income to average assets | 0.8172% | 1,720 |
| Noninterest expense to average assets | 3.2076% | 1,953 |
| Loan and lease loss provision to assets | 0.0569% | 3,171 |
| Net operating income to assets | 0.8473% | 3,125 |
| Return on assets (ROA) | 0.8541% | 3,160 |
| Pretax return on assets | 1.2380% | 2,511 |
| Return on Equity (ROE) | 9.3530% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.3530% | 570 |
| Net charge-offs to loans | 0.0925% | 2,506 |
| Credit loss provision to net charge-offs | 72.4936% | 3,083 |
| Earnings coverage of net charge-offs (x) | 16.3676% | 2,134 |
| Efficiency ratio | 71.3971% | 3,002 |
| Assets per employee ($millions) | 4.1862% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,203 |
| Loan loss allowance to noncurrent loans | 134.1065% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 2,121 |
| Noncurrent loans to loans | 0.7989% | 2,792 |
| Net loans and leases to total assets | 81.9787% | 597 |
| Net loans and leases to deposits | 90.2895% | 1,581 |
| Net loans and leases to core deposits | 95.0404% | 1,936 |
| Total domestic deposits to total assets | 90.7954% | 336 |
| Equity capital to assets | 8.9464% | 5,176 |
| Core capital (leverage) ratio | 9.2218% | 4,582 |
| Tier 1 risk-based capital ratio | 10.7077% | 5,670 |
| Total risk-based capital ratio | 11.7573% | 5,691 |
| Memoranda: | ||
| Average total assets | $495,485,800 | 1,361 |
| Average earning assets | $459,854,200 | 1,347 |
| Average equity | $45,247,400 | 1,633 |
| Average total loans | $420,589,600 | 1,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 1,829 |
| Cost of funding earning assets | 0.4572% | 2,614 |
| Net interest margin | 3.9684% | 1,812 |
| Noninterest income to average assets | 0.8410% | 1,649 |
| Noninterest expense to average assets | 3.1338% | 2,130 |
| Loan and lease loss provision to assets | 0.0758% | 2,667 |
| Net operating income to assets | 0.8883% | 3,006 |
| Return on assets (ROA) | 0.8963% | 3,069 |
| Pretax return on assets | 1.3248% | 2,301 |
| Return on Equity (ROE) | 9.7610% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.7610% | 679 |
| Net charge-offs to loans | 0.1018% | 2,122 |
| Credit loss provision to net charge-offs | 87.1069% | 2,509 |
| Earnings coverage of net charge-offs (x) | 15.9685% | 2,148 |
| Efficiency ratio | 69.2912% | 3,331 |
| Assets per employee ($millions) | 3.9983% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,284 |
| Loan loss allowance to noncurrent loans | 287.4092% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 2,966 |
| Noncurrent loans to loans | 0.3794% | 4,250 |
| Net loans and leases to total assets | 84.8150% | 323 |
| Net loans and leases to deposits | 93.7405% | 1,234 |
| Net loans and leases to core deposits | 99.0864% | 1,596 |
| Total domestic deposits to total assets | 90.4785% | 391 |
| Equity capital to assets | 9.1552% | 5,161 |
| Core capital (leverage) ratio | 9.3005% | 4,586 |
| Tier 1 risk-based capital ratio | 10.7200% | 5,792 |
| Total risk-based capital ratio | 11.8070% | 5,793 |
| Memoranda: | ||
| Average total assets | $487,491,000 | 1,386 |
| Average earning assets | $452,266,500 | 1,377 |
| Average equity | $44,762,000 | 1,660 |
| Average total loans | $416,464,000 | 1,100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,827 |
| Cost of funding earning assets | 0.4477% | 2,757 |
| Net interest margin | 3.9606% | 1,776 |
| Noninterest income to average assets | 0.7959% | 1,798 |
| Noninterest expense to average assets | 3.0907% | 2,270 |
| Loan and lease loss provision to assets | 0.0653% | 2,812 |
| Net operating income to assets | 0.8860% | 2,959 |
| Return on assets (ROA) | 0.8953% | 3,030 |
| Pretax return on assets | 1.3230% | 2,274 |
| Return on Equity (ROE) | 9.7405% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.7405% | 718 |
| Net charge-offs to loans | 0.1755% | 1,407 |
| Credit loss provision to net charge-offs | 43.6111% | 2,772 |
| Earnings coverage of net charge-offs (x) | 9.1778% | 2,481 |
| Efficiency ratio | 69.2164% | 3,457 |
| Assets per employee ($millions) | 4.0414% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 4,362 |
| Loan loss allowance to noncurrent loans | 234.9385% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 2,939 |
| Noncurrent loans to loans | 0.4648% | 4,088 |
| Net loans and leases to total assets | 84.2503% | 354 |
| Net loans and leases to deposits | 93.0282% | 1,250 |
| Net loans and leases to core deposits | 98.2135% | 1,637 |
| Total domestic deposits to total assets | 90.5643% | 429 |
| Equity capital to assets | 9.1256% | 5,115 |
| Core capital (leverage) ratio | 9.3971% | 4,424 |
| Tier 1 risk-based capital ratio | 10.8019% | 5,802 |
| Total risk-based capital ratio | 11.8859% | 5,813 |
| Memoranda: | ||
| Average total assets | $480,728,330 | 1,418 |
| Average earning assets | $445,391,670 | 1,407 |
| Average equity | $44,186,670 | 1,688 |
| Average total loans | $410,145,000 | 1,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,811 |
| Cost of funding earning assets | 0.4364% | 2,915 |
| Net interest margin | 3.9514% | 1,711 |
| Noninterest income to average assets | 0.7552% | 1,885 |
| Noninterest expense to average assets | 3.0546% | 2,417 |
| Loan and lease loss provision to assets | 0.0843% | 2,291 |
| Net operating income to assets | 0.8667% | 2,919 |
| Return on assets (ROA) | 0.8833% | 2,955 |
| Pretax return on assets | 1.3039% | 2,267 |
| Return on Equity (ROE) | 9.5745% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.5745% | 1,025 |
| Net charge-offs to loans | 0.1412% | 1,401 |
| Credit loss provision to net charge-offs | 69.9301% | 1,916 |
| Earnings coverage of net charge-offs (x) | 11.3147% | 1,870 |
| Efficiency ratio | 69.1339% | 3,632 |
| Assets per employee ($millions) | 4.0014% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 4,221 |
| Loan loss allowance to noncurrent loans | 220.7442% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 2,912 |
| Noncurrent loans to loans | 0.5243% | 3,997 |
| Net loans and leases to total assets | 83.0265% | 372 |
| Net loans and leases to deposits | 92.0386% | 1,185 |
| Net loans and leases to core deposits | 97.4943% | 1,521 |
| Total domestic deposits to total assets | 90.2084% | 645 |
| Equity capital to assets | 9.0970% | 5,196 |
| Core capital (leverage) ratio | 9.4024% | 4,430 |
| Tier 1 risk-based capital ratio | 10.4999% | 6,011 |
| Total risk-based capital ratio | 11.6174% | 6,006 |
| Memoranda: | ||
| Average total assets | $474,567,000 | 1,441 |
| Average earning assets | $439,950,000 | 1,430 |
| Average equity | $43,783,000 | 1,701 |
| Average total loans | $405,226,000 | 1,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,698 |
| Cost of funding earning assets | 0.4191% | 3,488 |
| Net interest margin | 4.1309% | 1,489 |
| Noninterest income to average assets | 0.7092% | 2,263 |
| Noninterest expense to average assets | 3.3075% | 1,908 |
| Loan and lease loss provision to assets | 0.0123% | 4,376 |
| Net operating income to assets | 0.8520% | 3,110 |
| Return on assets (ROA) | 0.8750% | 3,081 |
| Pretax return on assets | 1.2206% | 2,564 |
| Return on Equity (ROE) | 9.7255% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.7255% | 565 |
| Net charge-offs to loans | 0.1221% | 2,804 |
| Credit loss provision to net charge-offs | 12.1681% | 4,075 |
| Earnings coverage of net charge-offs (x) | 11.8916% | 2,441 |
| Efficiency ratio | 73.3621% | 2,952 |
| Assets per employee ($millions) | 3.8413% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,024 |
| Loan loss allowance to noncurrent loans | 135.5505% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 2,809 |
| Noncurrent loans to loans | 0.8824% | 3,114 |
| Net loans and leases to total assets | 85.8215% | 219 |
| Net loans and leases to deposits | 99.0836% | 680 |
| Net loans and leases to core deposits | 100.7323% | 1,343 |
| Total domestic deposits to total assets | 86.6153% | 2,499 |
| Equity capital to assets | 9.3624% | 4,896 |
| Core capital (leverage) ratio | 9.6282% | 4,058 |
| Tier 1 risk-based capital ratio | 11.7900% | 5,493 |
| Total risk-based capital ratio | 13.0405% | 5,406 |
| Memoranda: | ||
| Average total assets | $447,559,600 | 1,482 |
| Average earning assets | $411,628,200 | 1,487 |
| Average equity | $40,265,400 | 1,770 |
| Average total loans | $370,163,200 | 1,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,722 |
| Cost of funding earning assets | 0.4271% | 3,492 |
| Net interest margin | 4.1161% | 1,524 |
| Noninterest income to average assets | 0.6946% | 2,353 |
| Noninterest expense to average assets | 3.2353% | 2,071 |
| Loan and lease loss provision to assets | 0.0165% | 4,084 |
| Net operating income to assets | 0.8346% | 3,260 |
| Return on assets (ROA) | 0.8524% | 3,258 |
| Pretax return on assets | 1.2432% | 2,597 |
| Return on Equity (ROE) | 9.5759% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.5759% | 818 |
| Net charge-offs to loans | 0.1353% | 2,439 |
| Credit loss provision to net charge-offs | 14.9457% | 3,636 |
| Earnings coverage of net charge-offs (x) | 11.1713% | 2,457 |
| Efficiency ratio | 72.3909% | 3,111 |
| Assets per employee ($millions) | 3.7658% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,746 |
| Loan loss allowance to noncurrent loans | 148.4313% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,990 |
| Noncurrent loans to loans | 0.8633% | 3,409 |
| Net loans and leases to total assets | 83.0709% | 396 |
| Net loans and leases to deposits | 93.6072% | 1,074 |
| Net loans and leases to core deposits | 95.4686% | 1,721 |
| Total domestic deposits to total assets | 88.7441% | 1,378 |
| Equity capital to assets | 9.2030% | 5,144 |
| Core capital (leverage) ratio | 9.4305% | 4,464 |
| Tier 1 risk-based capital ratio | 12.0675% | 5,441 |
| Total risk-based capital ratio | 13.3192% | 5,358 |
| Memoranda: | ||
| Average total assets | $444,209,500 | 1,508 |
| Average earning assets | $407,363,250 | 1,512 |
| Average equity | $39,542,500 | 1,806 |
| Average total loans | $362,606,000 | 1,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,708 |
| Cost of funding earning assets | 0.4355% | 3,488 |
| Net interest margin | 4.1005% | 1,511 |
| Noninterest income to average assets | 0.6467% | 2,564 |
| Noninterest expense to average assets | 3.2225% | 2,121 |
| Loan and lease loss provision to assets | 0.0249% | 3,784 |
| Net operating income to assets | 0.7906% | 3,376 |
| Return on assets (ROA) | 0.8156% | 3,354 |
| Pretax return on assets | 1.1833% | 2,746 |
| Return on Equity (ROE) | 9.2690% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.2690% | 894 |
| Net charge-offs to loans | 0.0359% | 3,497 |
| Credit loss provision to net charge-offs | 85.9375% | 2,247 |
| Earnings coverage of net charge-offs (x) | 40.4375% | 1,052 |
| Efficiency ratio | 73.3306% | 3,101 |
| Assets per employee ($millions) | 3.7617% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 3,293 |
| Loan loss allowance to noncurrent loans | 162.3393% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 3,048 |
| Noncurrent loans to loans | 0.8694% | 3,531 |
| Net loans and leases to total assets | 80.7867% | 593 |
| Net loans and leases to deposits | 89.7871% | 1,390 |
| Net loans and leases to core deposits | 91.4473% | 1,983 |
| Total domestic deposits to total assets | 89.9758% | 825 |
| Equity capital to assets | 9.0455% | 5,255 |
| Core capital (leverage) ratio | 9.3069% | 4,577 |
| Tier 1 risk-based capital ratio | 12.0474% | 5,516 |
| Total risk-based capital ratio | 13.3007% | 5,448 |
| Memoranda: | ||
| Average total assets | $441,647,330 | 1,519 |
| Average earning assets | $403,654,330 | 1,521 |
| Average equity | $38,860,670 | 1,818 |
| Average total loans | $356,719,000 | 1,234 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 1,723 |
| Cost of funding earning assets | 0.4390% | 3,543 |
| Net interest margin | 4.0854% | 1,506 |
| Noninterest income to average assets | 0.6055% | 2,705 |
| Noninterest expense to average assets | 3.2062% | 2,221 |
| Loan and lease loss provision to assets | 0.0502% | 3,099 |
| Net operating income to assets | 0.7570% | 3,372 |
| Return on assets (ROA) | 0.7532% | 3,483 |
| Pretax return on assets | 1.0861% | 2,973 |
| Return on Equity (ROE) | 8.6843% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.6843% | 1,349 |
| Net charge-offs to loans | -0.0227% | 5,413 |
| Credit loss provision to net charge-offs | -275.0000% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7416% | 3,194 |
| Assets per employee ($millions) | 3.6586% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 3,256 |
| Loan loss allowance to noncurrent loans | 154.1459% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 2,947 |
| Noncurrent loans to loans | 0.9580% | 3,496 |
| Net loans and leases to total assets | 79.2851% | 627 |
| Net loans and leases to deposits | 87.6031% | 1,404 |
| Net loans and leases to core deposits | 89.1704% | 1,987 |
| Total domestic deposits to total assets | 90.5049% | 798 |
| Equity capital to assets | 8.7829% | 5,356 |
| Core capital (leverage) ratio | 9.2889% | 4,595 |
| Tier 1 risk-based capital ratio | 11.9596% | 5,671 |
| Total risk-based capital ratio | 13.2134% | 5,599 |
| Memoranda: | ||
| Average total assets | $438,652,500 | 1,535 |
| Average earning assets | $401,822,500 | 1,527 |
| Average equity | $38,045,500 | 1,850 |
| Average total loans | $351,674,500 | 1,250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,701 |
| Cost of funding earning assets | 0.4642% | 3,974 |
| Net interest margin | 4.1903% | 1,381 |
| Noninterest income to average assets | 0.6003% | 3,100 |
| Noninterest expense to average assets | 3.2841% | 2,186 |
| Loan and lease loss provision to assets | 0.1244% | 2,761 |
| Net operating income to assets | 0.7427% | 3,597 |
| Return on assets (ROA) | 0.8194% | 3,288 |
| Pretax return on assets | 1.1184% | 2,891 |
| Return on Equity (ROE) | 9.6673% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.6673% | 628 |
| Net charge-offs to loans | 0.2646% | 2,377 |
| Credit loss provision to net charge-offs | 60.7424% | 3,539 |
| Earnings coverage of net charge-offs (x) | 5.5557% | 3,270 |
| Efficiency ratio | 74.2707% | 3,091 |
| Assets per employee ($millions) | 3.6522% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,225 |
| Loan loss allowance to noncurrent loans | 169.1455% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 3,344 |
| Noncurrent loans to loans | 0.8833% | 3,775 |
| Net loans and leases to total assets | 78.6708% | 746 |
| Net loans and leases to deposits | 87.6305% | 1,505 |
| Net loans and leases to core deposits | 89.3382% | 2,102 |
| Total domestic deposits to total assets | 89.7755% | 1,197 |
| Equity capital to assets | 8.5616% | 5,513 |
| Core capital (leverage) ratio | 9.1054% | 4,850 |
| Tier 1 risk-based capital ratio | 11.9267% | 5,658 |
| Total risk-based capital ratio | 13.1805% | 5,600 |
| Memoranda: | ||
| Average total assets | $434,117,600 | 1,523 |
| Average earning assets | $395,913,400 | 1,526 |
| Average equity | $36,794,000 | 1,879 |
| Average total loans | $335,935,000 | 1,270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,858 |
| Cost of funding earning assets | 0.4660% | 4,104 |
| Net interest margin | 4.1462% | 1,494 |
| Noninterest income to average assets | 0.5773% | 3,289 |
| Noninterest expense to average assets | 3.1594% | 2,480 |
| Loan and lease loss provision to assets | 0.0891% | 3,278 |
| Net operating income to assets | 0.7688% | 3,512 |
| Return on assets (ROA) | 0.8547% | 3,186 |
| Pretax return on assets | 1.2304% | 2,582 |
| Return on Equity (ROE) | 10.1097% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.1097% | 766 |
| Net charge-offs to loans | 0.3370% | 1,866 |
| Credit loss provision to net charge-offs | 34.4418% | 3,816 |
| Earnings coverage of net charge-offs (x) | 4.6199% | 3,396 |
| Efficiency ratio | 72.5554% | 3,308 |
| Assets per employee ($millions) | 3.6913% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,525 |
| Loan loss allowance to noncurrent loans | 123.8628% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 3,020 |
| Noncurrent loans to loans | 1.1964% | 3,428 |
| Net loans and leases to total assets | 76.0539% | 997 |
| Net loans and leases to deposits | 83.6752% | 1,920 |
| Net loans and leases to core deposits | 85.3354% | 2,486 |
| Total domestic deposits to total assets | 90.8918% | 579 |
| Equity capital to assets | 8.4144% | 5,823 |
| Core capital (leverage) ratio | 9.0135% | 5,109 |
| Tier 1 risk-based capital ratio | 11.8972% | 5,840 |
| Total risk-based capital ratio | 13.1504% | 5,782 |
| Memoranda: | ||
| Average total assets | $433,993,250 | 1,536 |
| Average earning assets | $395,374,000 | 1,539 |
| Average equity | $36,690,000 | 1,901 |
| Average total loans | $333,143,500 | 1,282 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,837 |
| Cost of funding earning assets | 0.4685% | 4,222 |
| Net interest margin | 4.1374% | 1,443 |
| Noninterest income to average assets | 0.5435% | 3,549 |
| Noninterest expense to average assets | 3.1393% | 2,558 |
| Loan and lease loss provision to assets | 0.1338% | 2,650 |
| Net operating income to assets | 0.7259% | 3,690 |
| Return on assets (ROA) | 0.8531% | 3,174 |
| Pretax return on assets | 1.2255% | 2,576 |
| Return on Equity (ROE) | 10.0755% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.0755% | 827 |
| Net charge-offs to loans | 0.2108% | 2,498 |
| Credit loss provision to net charge-offs | 82.8571% | 2,570 |
| Earnings coverage of net charge-offs (x) | 7.2914% | 2,569 |
| Efficiency ratio | 72.7234% | 3,352 |
| Assets per employee ($millions) | 3.6516% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,087 |
| Loan loss allowance to noncurrent loans | 109.1943% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 2,737 |
| Noncurrent loans to loans | 1.4833% | 3,082 |
| Net loans and leases to total assets | 77.1813% | 845 |
| Net loans and leases to deposits | 84.9411% | 1,691 |
| Net loans and leases to core deposits | 86.4323% | 2,294 |
| Total domestic deposits to total assets | 90.8644% | 595 |
| Equity capital to assets | 8.4349% | 5,830 |
| Core capital (leverage) ratio | 8.8802% | 5,176 |
| Tier 1 risk-based capital ratio | 11.6143% | 6,048 |
| Total risk-based capital ratio | 12.8697% | 5,994 |
| Memoranda: | ||
| Average total assets | $433,466,330 | 1,538 |
| Average earning assets | $395,317,330 | 1,542 |
| Average equity | $36,703,000 | 1,901 |
| Average total loans | $332,106,670 | 1,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,872 |
| Cost of funding earning assets | 0.4710% | 4,361 |
| Net interest margin | 4.1150% | 1,414 |
| Noninterest income to average assets | 0.6063% | 3,099 |
| Noninterest expense to average assets | 3.1751% | 2,432 |
| Loan and lease loss provision to assets | 0.2162% | 1,716 |
| Net operating income to assets | 0.6695% | 3,848 |
| Return on assets (ROA) | 0.8363% | 3,113 |
| Pretax return on assets | 1.1988% | 2,577 |
| Return on Equity (ROE) | 9.8585% | 2,114 |
| Retained earnings to average equity (ytd only) | 9.8585% | 1,138 |
| Net charge-offs to loans | 0.1981% | 2,225 |
| Credit loss provision to net charge-offs | 144.1718% | 1,406 |
| Earnings coverage of net charge-offs (x) | 7.8466% | 2,015 |
| Efficiency ratio | 72.9598% | 3,451 |
| Assets per employee ($millions) | 3.6587% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 3,053 |
| Loan loss allowance to noncurrent loans | 92.8311% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 2,405 |
| Noncurrent loans to loans | 1.8197% | 2,838 |
| Net loans and leases to total assets | 76.2288% | 811 |
| Net loans and leases to deposits | 84.0693% | 1,587 |
| Net loans and leases to core deposits | 85.5558% | 2,156 |
| Total domestic deposits to total assets | 90.6738% | 683 |
| Equity capital to assets | 8.6721% | 5,839 |
| Core capital (leverage) ratio | 8.6481% | 5,393 |
| Tier 1 risk-based capital ratio | 11.5503% | 6,153 |
| Total risk-based capital ratio | 12.8065% | 6,123 |
| Memoranda: | ||
| Average total assets | $434,756,000 | 1,546 |
| Average earning assets | $395,720,500 | 1,549 |
| Average equity | $36,882,000 | 1,922 |
| Average total loans | $329,140,500 | 1,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,181 |
| Cost of funding earning assets | 0.6351% | 4,049 |
| Net interest margin | 4.1675% | 1,752 |
| Noninterest income to average assets | 0.4837% | 4,014 |
| Noninterest expense to average assets | 3.0888% | 2,962 |
| Loan and lease loss provision to assets | 0.5297% | 1,094 |
| Net operating income to assets | 0.4841% | 4,749 |
| Return on assets (ROA) | 0.6042% | 4,481 |
| Pretax return on assets | 0.7871% | 4,340 |
| Return on Equity (ROE) | 7.4679% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.4679% | 1,351 |
| Net charge-offs to loans | 0.7280% | 1,612 |
| Credit loss provision to net charge-offs | 96.7456% | 3,213 |
| Earnings coverage of net charge-offs (x) | 2.1200% | 4,354 |
| Efficiency ratio | 72.6842% | 3,290 |
| Assets per employee ($millions) | 3.7730% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 2,946 |
| Loan loss allowance to noncurrent loans | 87.2203% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.9160% | 2,549 |
| Noncurrent loans to loans | 1.9445% | 2,751 |
| Net loans and leases to total assets | 72.6769% | 1,394 |
| Net loans and leases to deposits | 79.7907% | 2,313 |
| Net loans and leases to core deposits | 81.1478% | 2,864 |
| Total domestic deposits to total assets | 91.0844% | 470 |
| Equity capital to assets | 8.3003% | 6,198 |
| Core capital (leverage) ratio | 8.4115% | 5,740 |
| Tier 1 risk-based capital ratio | 11.1455% | 6,292 |
| Total risk-based capital ratio | 12.4012% | 6,258 |
| Memoranda: | ||
| Average total assets | $432,114,600 | 1,526 |
| Average earning assets | $390,471,400 | 1,541 |
| Average equity | $34,962,800 | 1,979 |
| Average total loans | $324,999,200 | 1,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 2,193 |
| Cost of funding earning assets | 0.6808% | 3,933 |
| Net interest margin | 4.1701% | 1,830 |
| Noninterest income to average assets | 0.3983% | 4,649 |
| Noninterest expense to average assets | 2.9965% | 3,246 |
| Loan and lease loss provision to assets | 0.5510% | 1,050 |
| Net operating income to assets | 0.4365% | 5,092 |
| Return on assets (ROA) | 0.5283% | 4,989 |
| Pretax return on assets | 0.7371% | 4,715 |
| Return on Equity (ROE) | 6.5732% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.5732% | 2,344 |
| Net charge-offs to loans | 0.6961% | 1,585 |
| Credit loss provision to net charge-offs | 104.7788% | 2,810 |
| Earnings coverage of net charge-offs (x) | 2.2071% | 4,156 |
| Efficiency ratio | 72.0821% | 3,311 |
| Assets per employee ($millions) | 3.6430% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 3,034 |
| Loan loss allowance to noncurrent loans | 98.9571% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 2,811 |
| Noncurrent loans to loans | 1.7509% | 3,154 |
| Net loans and leases to total assets | 75.7521% | 1,008 |
| Net loans and leases to deposits | 83.2914% | 1,959 |
| Net loans and leases to core deposits | 84.6423% | 2,624 |
| Total domestic deposits to total assets | 90.9482% | 426 |
| Equity capital to assets | 8.4296% | 6,321 |
| Core capital (leverage) ratio | 8.1666% | 6,171 |
| Tier 1 risk-based capital ratio | 10.9684% | 6,494 |
| Total risk-based capital ratio | 12.2248% | 6,471 |
| Memoranda: | ||
| Average total assets | $429,783,250 | 1,548 |
| Average earning assets | $387,379,250 | 1,565 |
| Average equity | $34,543,250 | 2,022 |
| Average total loans | $324,659,000 | 1,309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 2,466 |
| Cost of funding earning assets | 0.7170% | 3,883 |
| Net interest margin | 4.0927% | 2,124 |
| Noninterest income to average assets | 0.4896% | 3,991 |
| Noninterest expense to average assets | 3.0062% | 3,236 |
| Loan and lease loss provision to assets | 0.5453% | 1,132 |
| Net operating income to assets | 0.4339% | 5,103 |
| Return on assets (ROA) | 0.4891% | 5,120 |
| Pretax return on assets | 0.7017% | 4,828 |
| Return on Equity (ROE) | 6.1852% | 4,219 |
| Retained earnings to average equity (ytd only) | 6.1852% | 2,576 |
| Net charge-offs to loans | 0.6767% | 1,635 |
| Credit loss provision to net charge-offs | 107.4040% | 2,538 |
| Earnings coverage of net charge-offs (x) | 2.3007% | 3,847 |
| Efficiency ratio | 72.0178% | 3,433 |
| Assets per employee ($millions) | 3.6674% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 3,044 |
| Loan loss allowance to noncurrent loans | 79.1904% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 2,555 |
| Noncurrent loans to loans | 2.2047% | 2,710 |
| Net loans and leases to total assets | 74.0337% | 1,235 |
| Net loans and leases to deposits | 82.7235% | 2,019 |
| Net loans and leases to core deposits | 83.9808% | 2,693 |
| Total domestic deposits to total assets | 89.4953% | 1,222 |
| Equity capital to assets | 8.1132% | 6,508 |
| Core capital (leverage) ratio | 8.0385% | 6,233 |
| Tier 1 risk-based capital ratio | 10.7766% | 6,589 |
| Total risk-based capital ratio | 12.0329% | 6,575 |
| Memoranda: | ||
| Average total assets | $430,969,000 | 1,546 |
| Average earning assets | $388,004,670 | 1,564 |
| Average equity | $34,081,330 | 2,031 |
| Average total loans | $323,356,000 | 1,315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 2,476 |
| Cost of funding earning assets | 0.7388% | 3,957 |
| Net interest margin | 4.1034% | 2,081 |
| Noninterest income to average assets | 0.5673% | 3,449 |
| Noninterest expense to average assets | 3.0097% | 3,207 |
| Loan and lease loss provision to assets | 0.6975% | 750 |
| Net operating income to assets | 0.3900% | 5,298 |
| Return on assets (ROA) | 0.4167% | 5,377 |
| Pretax return on assets | 0.5915% | 5,146 |
| Return on Equity (ROE) | 5.3386% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.3386% | 3,349 |
| Net charge-offs to loans | 0.4422% | 1,986 |
| Credit loss provision to net charge-offs | 210.6742% | 1,292 |
| Earnings coverage of net charge-offs (x) | 3.7781% | 2,748 |
| Efficiency ratio | 70.6396% | 3,694 |
| Assets per employee ($millions) | 3.7338% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,735 |
| Loan loss allowance to noncurrent loans | 61.4173% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.0811% | 1,893 |
| Noncurrent loans to loans | 3.0636% | 2,100 |
| Net loans and leases to total assets | 72.3105% | 1,347 |
| Net loans and leases to deposits | 80.6758% | 2,107 |
| Net loans and leases to core deposits | 81.9041% | 2,850 |
| Total domestic deposits to total assets | 89.6310% | 1,283 |
| Equity capital to assets | 7.7868% | 6,638 |
| Core capital (leverage) ratio | 7.9539% | 6,292 |
| Tier 1 risk-based capital ratio | 10.7340% | 6,650 |
| Total risk-based capital ratio | 11.9920% | 6,636 |
| Memoranda: | ||
| Average total assets | $430,079,000 | 1,551 |
| Average earning assets | $387,096,500 | 1,569 |
| Average equity | $33,567,000 | 2,066 |
| Average total loans | $321,997,500 | 1,315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 2,611 |
| Cost of funding earning assets | 0.9776% | 3,523 |
| Net interest margin | 4.0814% | 2,521 |
| Noninterest income to average assets | 0.3790% | 4,795 |
| Noninterest expense to average assets | 2.8333% | 4,225 |
| Loan and lease loss provision to assets | 1.1253% | 808 |
| Net operating income to assets | 0.0884% | 5,890 |
| Return on assets (ROA) | 0.3151% | 5,355 |
| Pretax return on assets | 0.3832% | 5,343 |
| Return on Equity (ROE) | 4.1062% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.1062% | 3,266 |
| Net charge-offs to loans | 1.4313% | 1,136 |
| Credit loss provision to net charge-offs | 103.1103% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.1289% | 4,941 |
| Efficiency ratio | 69.6937% | 4,024 |
| Assets per employee ($millions) | 3.5587% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 3,098 |
| Loan loss allowance to noncurrent loans | 54.0864% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.1915% | 1,872 |
| Noncurrent loans to loans | 3.1946% | 2,024 |
| Net loans and leases to total assets | 74.7441% | 1,135 |
| Net loans and leases to deposits | 85.1261% | 1,788 |
| Net loans and leases to core deposits | 86.4059% | 2,584 |
| Total domestic deposits to total assets | 87.8040% | 2,277 |
| Equity capital to assets | 7.8232% | 6,675 |
| Core capital (leverage) ratio | 7.8238% | 6,424 |
| Tier 1 risk-based capital ratio | 10.5328% | 6,671 |
| Total risk-based capital ratio | 11.7891% | 6,650 |
| Memoranda: | ||
| Average total assets | $427,165,400 | 1,526 |
| Average earning assets | $385,824,600 | 1,537 |
| Average equity | $32,779,400 | 2,034 |
| Average total loans | $325,722,400 | 1,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 2,822 |
| Cost of funding earning assets | 1.0337% | 3,437 |
| Net interest margin | 4.0225% | 2,822 |
| Noninterest income to average assets | 0.5153% | 3,755 |
| Noninterest expense to average assets | 2.9803% | 3,629 |
| Loan and lease loss provision to assets | 0.8605% | 1,061 |
| Net operating income to assets | 0.2208% | 5,645 |
| Return on assets (ROA) | 0.3858% | 5,246 |
| Pretax return on assets | 0.5571% | 4,944 |
| Return on Equity (ROE) | 5.0516% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.0516% | 3,138 |
| Net charge-offs to loans | 1.1302% | 1,401 |
| Credit loss provision to net charge-offs | 99.7828% | 3,428 |
| Earnings coverage of net charge-offs (x) | 1.3666% | 4,595 |
| Efficiency ratio | 71.6623% | 3,626 |
| Assets per employee ($millions) | 3.3800% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,335 |
| Loan loss allowance to noncurrent loans | 50.1930% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 3.7497% | 1,660 |
| Noncurrent loans to loans | 3.3500% | 2,062 |
| Net loans and leases to total assets | 74.3877% | 1,255 |
| Net loans and leases to deposits | 84.7736% | 1,880 |
| Net loans and leases to core deposits | 86.3305% | 2,733 |
| Total domestic deposits to total assets | 87.7486% | 2,196 |
| Equity capital to assets | 7.8522% | 6,779 |
| Core capital (leverage) ratio | 7.7495% | 6,599 |
| Tier 1 risk-based capital ratio | 10.5469% | 6,758 |
| Total risk-based capital ratio | 11.8026% | 6,741 |
| Memoranda: | ||
| Average total assets | $427,196,750 | 1,539 |
| Average earning assets | $386,950,500 | 1,539 |
| Average equity | $32,622,250 | 2,037 |
| Average total loans | $325,953,250 | 1,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 2,876 |
| Cost of funding earning assets | 1.0879% | 3,331 |
| Net interest margin | 3.9726% | 2,977 |
| Noninterest income to average assets | 0.5036% | 3,830 |
| Noninterest expense to average assets | 2.8928% | 4,047 |
| Loan and lease loss provision to assets | 0.6963% | 1,364 |
| Net operating income to assets | 0.3690% | 5,090 |
| Return on assets (ROA) | 0.4338% | 4,942 |
| Pretax return on assets | 0.6298% | 4,649 |
| Return on Equity (ROE) | 5.7345% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,573 |
| Net charge-offs to loans | 1.2147% | 1,288 |
| Credit loss provision to net charge-offs | 74.9243% | 3,920 |
| Earnings coverage of net charge-offs (x) | 1.3259% | 4,292 |
| Efficiency ratio | 70.1262% | 4,093 |
| Assets per employee ($millions) | 3.3824% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 3,980 |
| Loan loss allowance to noncurrent loans | 40.6677% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 3.8418% | 1,683 |
| Noncurrent loans to loans | 3.7653% | 1,860 |
| Net loans and leases to total assets | 74.4021% | 1,341 |
| Net loans and leases to deposits | 84.6778% | 1,995 |
| Net loans and leases to core deposits | 86.1653% | 2,879 |
| Total domestic deposits to total assets | 87.8650% | 2,229 |
| Equity capital to assets | 7.6993% | 6,856 |
| Core capital (leverage) ratio | 7.7090% | 6,580 |
| Tier 1 risk-based capital ratio | 10.5306% | 6,781 |
| Total risk-based capital ratio | 11.7847% | 6,774 |
| Memoranda: | ||
| Average total assets | $426,509,670 | 1,550 |
| Average earning assets | $388,809,330 | 1,547 |
| Average equity | $32,261,000 | 2,047 |
| Average total loans | $326,345,670 | 1,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 2,605 |
| Cost of funding earning assets | 1.1681% | 3,036 |
| Net interest margin | 3.9405% | 2,952 |
| Noninterest income to average assets | 0.5261% | 3,680 |
| Noninterest expense to average assets | 2.8820% | 4,138 |
| Loan and lease loss provision to assets | 0.5450% | 1,588 |
| Net operating income to assets | 0.4712% | 4,615 |
| Return on assets (ROA) | 0.4913% | 4,606 |
| Pretax return on assets | 0.7163% | 4,238 |
| Return on Equity (ROE) | 6.5547% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.5547% | 2,348 |
| Net charge-offs to loans | 0.8899% | 1,487 |
| Credit loss provision to net charge-offs | 79.5330% | 3,170 |
| Earnings coverage of net charge-offs (x) | 1.7981% | 3,403 |
| Efficiency ratio | 70.0526% | 4,259 |
| Assets per employee ($millions) | 3.4212% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 3,654 |
| Loan loss allowance to noncurrent loans | 76.1346% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.5323% | 2,699 |
| Noncurrent loans to loans | 2.1277% | 3,409 |
| Net loans and leases to total assets | 74.9212% | 1,195 |
| Net loans and leases to deposits | 84.9434% | 1,888 |
| Net loans and leases to core deposits | 86.1895% | 2,840 |
| Total domestic deposits to total assets | 88.2013% | 2,264 |
| Equity capital to assets | 7.4899% | 6,873 |
| Core capital (leverage) ratio | 7.7236% | 6,538 |
| Tier 1 risk-based capital ratio | 10.2340% | 6,917 |
| Total risk-based capital ratio | 11.4892% | 6,911 |
| Memoranda: | ||
| Average total assets | $424,985,000 | 1,561 |
| Average earning assets | $386,955,000 | 1,564 |
| Average equity | $31,855,000 | 2,058 |
| Average total loans | $327,233,000 | 1,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 1,642 |
| Cost of funding earning assets | 1.5702% | 2,242 |
| Net interest margin | 4.1099% | 2,521 |
| Noninterest income to average assets | 0.7349% | 2,624 |
| Noninterest expense to average assets | 3.1637% | 3,216 |
| Loan and lease loss provision to assets | 0.6660% | 2,483 |
| Net operating income to assets | 0.4697% | 4,231 |
| Return on assets (ROA) | 0.5322% | 4,108 |
| Pretax return on assets | 0.7289% | 3,876 |
| Return on Equity (ROE) | 7.1869% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.1869% | 1,246 |
| Net charge-offs to loans | 0.4914% | 3,659 |
| Credit loss provision to net charge-offs | 173.5037% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.4108% | 3,378 |
| Efficiency ratio | 70.7308% | 4,029 |
| Assets per employee ($millions) | 3.3512% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,304 |
| Loan loss allowance to noncurrent loans | 65.3478% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.8184% | 2,489 |
| Noncurrent loans to loans | 2.5648% | 2,966 |
| Net loans and leases to total assets | 76.5620% | 1,170 |
| Net loans and leases to deposits | 86.7930% | 1,966 |
| Net loans and leases to core deposits | 88.0988% | 3,039 |
| Total domestic deposits to total assets | 88.2121% | 2,116 |
| Equity capital to assets | 7.5014% | 6,877 |
| Core capital (leverage) ratio | 7.5862% | 6,632 |
| Tier 1 risk-based capital ratio | 10.1119% | 6,927 |
| Total risk-based capital ratio | 11.3679% | 6,905 |
| Memoranda: | ||
| Average total assets | $417,891,200 | 1,589 |
| Average earning assets | $380,079,000 | 1,587 |
| Average equity | $30,945,200 | 2,119 |
| Average total loans | $326,432,200 | 1,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 1,726 |
| Cost of funding earning assets | 1.6540% | 2,084 |
| Net interest margin | 4.0428% | 2,893 |
| Noninterest income to average assets | 0.7202% | 2,703 |
| Noninterest expense to average assets | 3.1347% | 3,167 |
| Loan and lease loss provision to assets | 0.4581% | 3,181 |
| Net operating income to assets | 0.5452% | 4,111 |
| Return on assets (ROA) | 0.6149% | 3,989 |
| Pretax return on assets | 0.9076% | 3,531 |
| Return on Equity (ROE) | 8.3305% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.3305% | 1,302 |
| Net charge-offs to loans | 0.3136% | 4,081 |
| Credit loss provision to net charge-offs | 186.8490% | 1,931 |
| Earnings coverage of net charge-offs (x) | 5.1524% | 2,831 |
| Efficiency ratio | 71.2761% | 3,839 |
| Assets per employee ($millions) | 3.3800% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 3,871 |
| Loan loss allowance to noncurrent loans | 70.9784% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.3409% | 3,037 |
| Noncurrent loans to loans | 2.1409% | 3,525 |
| Net loans and leases to total assets | 77.2410% | 1,171 |
| Net loans and leases to deposits | 87.8120% | 2,035 |
| Net loans and leases to core deposits | 89.5564% | 3,158 |
| Total domestic deposits to total assets | 87.9618% | 1,985 |
| Equity capital to assets | 7.7488% | 6,970 |
| Core capital (leverage) ratio | 7.7260% | 6,643 |
| Tier 1 risk-based capital ratio | 10.0543% | 7,035 |
| Total risk-based capital ratio | 11.3082% | 7,014 |
| Memoranda: | ||
| Average total assets | $417,640,000 | 1,614 |
| Average earning assets | $379,925,750 | 1,606 |
| Average equity | $30,825,750 | 2,146 |
| Average total loans | $326,494,750 | 1,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 1,736 |
| Cost of funding earning assets | 1.7704% | 1,766 |
| Net interest margin | 3.9350% | 3,297 |
| Noninterest income to average assets | 0.6823% | 2,807 |
| Noninterest expense to average assets | 3.0067% | 3,689 |
| Loan and lease loss provision to assets | 0.3993% | 3,327 |
| Net operating income to assets | 0.5749% | 3,972 |
| Return on assets (ROA) | 0.6460% | 3,799 |
| Pretax return on assets | 0.9577% | 3,284 |
| Return on Equity (ROE) | 8.8991% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.8991% | 1,134 |
| Net charge-offs to loans | 0.2547% | 4,076 |
| Credit loss provision to net charge-offs | 200.7212% | 1,953 |
| Earnings coverage of net charge-offs (x) | 6.2885% | 2,482 |
| Efficiency ratio | 70.6199% | 4,056 |
| Assets per employee ($millions) | 3.3937% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,297 |
| Loan loss allowance to noncurrent loans | 57.1585% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.4347% | 2,959 |
| Noncurrent loans to loans | 2.4980% | 3,155 |
| Net loans and leases to total assets | 79.7951% | 827 |
| Net loans and leases to deposits | 91.1163% | 1,678 |
| Net loans and leases to core deposits | 92.9777% | 2,851 |
| Total domestic deposits to total assets | 87.5750% | 2,220 |
| Equity capital to assets | 7.7190% | 6,986 |
| Core capital (leverage) ratio | 7.6762% | 6,640 |
| Tier 1 risk-based capital ratio | 9.8352% | 7,113 |
| Total risk-based capital ratio | 11.0881% | 7,095 |
| Memoranda: | ||
| Average total assets | $418,272,330 | 1,628 |
| Average earning assets | $380,021,330 | 1,626 |
| Average equity | $30,362,670 | 2,167 |
| Average total loans | $326,633,330 | 1,400 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 2,236 |
| Cost of funding earning assets | 2.0528% | 937 |
| Net interest margin | 3.5294% | 5,042 |
| Noninterest income to average assets | 0.6730% | 2,791 |
| Noninterest expense to average assets | 2.9335% | 3,937 |
| Loan and lease loss provision to assets | 0.3653% | 3,178 |
| Net operating income to assets | 0.3877% | 4,892 |
| Return on assets (ROA) | 0.4351% | 4,819 |
| Pretax return on assets | 0.6484% | 4,422 |
| Return on Equity (ROE) | 6.1824% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.1824% | 2,532 |
| Net charge-offs to loans | 0.0381% | 5,044 |
| Credit loss provision to net charge-offs | 1,248.3871% | 397 |
| Earnings coverage of net charge-offs (x) | 32.2258% | 829 |
| Efficiency ratio | 75.6757% | 3,279 |
| Assets per employee ($millions) | 3.4165% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 4,334 |
| Loan loss allowance to noncurrent loans | 59.2120% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.1035% | 3,380 |
| Noncurrent loans to loans | 2.3949% | 3,277 |
| Net loans and leases to total assets | 78.7471% | 1,017 |
| Net loans and leases to deposits | 89.6885% | 1,950 |
| Net loans and leases to core deposits | 91.6760% | 3,147 |
| Total domestic deposits to total assets | 87.8007% | 2,177 |
| Equity capital to assets | 7.3820% | 7,156 |
| Core capital (leverage) ratio | 7.1757% | 7,125 |
| Tier 1 risk-based capital ratio | 9.5211% | 7,296 |
| Total risk-based capital ratio | 10.7737% | 7,290 |
| Memoranda: | ||
| Average total assets | $423,787,000 | 1,646 |
| Average earning assets | $384,654,000 | 1,649 |
| Average equity | $29,826,500 | 2,229 |
| Average total loans | $325,116,500 | 1,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7144% | 3,034 |
| Cost of funding earning assets | 2.4819% | 1,066 |
| Net interest margin | 3.2324% | 5,983 |
| Noninterest income to average assets | 0.5990% | 3,642 |
| Noninterest expense to average assets | 2.7410% | 5,193 |
| Loan and lease loss provision to assets | 1.0557% | 2,177 |
| Net operating income to assets | -0.0953% | 5,672 |
| Return on assets (ROA) | -0.0944% | 5,677 |
| Pretax return on assets | -0.2353% | 5,744 |
| Return on Equity (ROE) | -1.3230% | 5,741 |
| Retained earnings to average equity (ytd only) | -1.3230% | 5,353 |
| Net charge-offs to loans | 0.8997% | 2,590 |
| Credit loss provision to net charge-offs | 152.4982% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.1830% | 4,940 |
| Efficiency ratio | 76.9951% | 3,361 |
| Assets per employee ($millions) | 3.7401% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,598 |
| Loan loss allowance to noncurrent loans | 65.5557% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 3,907 |
| Noncurrent loans to loans | 2.0267% | 3,612 |
| Net loans and leases to total assets | 72.7737% | 2,562 |
| Net loans and leases to deposits | 84.4629% | 3,188 |
| Net loans and leases to core deposits | 92.2672% | 4,855 |
| Total domestic deposits to total assets | 86.1606% | 2,925 |
| Equity capital to assets | 6.7158% | 7,495 |
| Core capital (leverage) ratio | 6.8854% | 7,322 |
| Tier 1 risk-based capital ratio | 9.2636% | 7,353 |
| Total risk-based capital ratio | 10.5144% | 7,346 |
| Memoranda: | ||
| Average total assets | $393,183,400 | 1,749 |
| Average earning assets | $360,162,600 | 1,741 |
| Average equity | $28,042,800 | 2,367 |
| Average total loans | $302,561,800 | 1,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7002% | 3,337 |
| Cost of funding earning assets | 2.4904% | 1,333 |
| Net interest margin | 3.2098% | 5,979 |
| Noninterest income to average assets | 0.5772% | 3,877 |
| Noninterest expense to average assets | 2.7020% | 5,316 |
| Loan and lease loss provision to assets | 1.1980% | 1,624 |
| Net operating income to assets | -0.2485% | 6,140 |
| Return on assets (ROA) | -0.2492% | 6,146 |
| Pretax return on assets | -0.3828% | 6,177 |
| Return on Equity (ROE) | -3.4359% | 6,290 |
| Retained earnings to average equity (ytd only) | -3.4359% | 6,017 |
| Net charge-offs to loans | 0.4446% | 3,457 |
| Credit loss provision to net charge-offs | 346.0685% | 1,184 |
| Earnings coverage of net charge-offs (x) | 2.3579% | 4,055 |
| Efficiency ratio | 76.8002% | 3,361 |
| Assets per employee ($millions) | 3.7741% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 2,701 |
| Loan loss allowance to noncurrent loans | 91.5529% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8979% | 3,511 |
| Noncurrent loans to loans | 1.8339% | 3,864 |
| Net loans and leases to total assets | 72.7767% | 2,850 |
| Net loans and leases to deposits | 84.9084% | 3,509 |
| Net loans and leases to core deposits | 93.2933% | 5,099 |
| Total domestic deposits to total assets | 85.7120% | 2,856 |
| Equity capital to assets | 6.8865% | 7,644 |
| Core capital (leverage) ratio | 7.1345% | 7,327 |
| Tier 1 risk-based capital ratio | 9.3612% | 7,456 |
| Total risk-based capital ratio | 10.6165% | 7,429 |
| Memoranda: | ||
| Average total assets | $382,081,250 | 1,801 |
| Average earning assets | $350,085,250 | 1,798 |
| Average equity | $27,706,500 | 2,412 |
| Average total loans | $297,517,250 | 1,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 3,516 |
| Cost of funding earning assets | 2.4957% | 1,632 |
| Net interest margin | 3.2086% | 5,883 |
| Noninterest income to average assets | 0.6224% | 3,523 |
| Noninterest expense to average assets | 2.8169% | 4,885 |
| Loan and lease loss provision to assets | 0.5081% | 2,995 |
| Net operating income to assets | 0.1606% | 5,388 |
| Return on assets (ROA) | 0.2135% | 5,293 |
| Pretax return on assets | 0.3175% | 5,173 |
| Return on Equity (ROE) | 2.8874% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.8874% | 3,722 |
| Net charge-offs to loans | 0.3218% | 3,569 |
| Credit loss provision to net charge-offs | 198.9339% | 2,302 |
| Earnings coverage of net charge-offs (x) | 2.9232% | 3,642 |
| Efficiency ratio | 79.0495% | 3,188 |
| Assets per employee ($millions) | 3.5208% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,689 |
| Loan loss allowance to noncurrent loans | 96.1516% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 4,049 |
| Noncurrent loans to loans | 1.1304% | 4,958 |
| Net loans and leases to total assets | 76.0145% | 2,177 |
| Net loans and leases to deposits | 90.3559% | 2,779 |
| Net loans and leases to core deposits | 99.7796% | 4,529 |
| Total domestic deposits to total assets | 84.1279% | 3,694 |
| Equity capital to assets | 7.1944% | 7,486 |
| Core capital (leverage) ratio | 7.7657% | 6,653 |
| Tier 1 risk-based capital ratio | 9.6068% | 7,309 |
| Total risk-based capital ratio | 10.6835% | 7,407 |
| Memoranda: | ||
| Average total assets | $367,285,330 | 1,888 |
| Average earning assets | $336,655,330 | 1,884 |
| Average equity | $27,152,330 | 2,462 |
| Average total loans | $291,466,330 | 1,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 4,595 |
| Cost of funding earning assets | 2.5289% | 1,806 |
| Net interest margin | 3.0290% | 6,405 |
| Noninterest income to average assets | 0.5852% | 3,655 |
| Noninterest expense to average assets | 2.9079% | 4,133 |
| Loan and lease loss provision to assets | 0.3659% | 3,126 |
| Net operating income to assets | 0.0672% | 6,076 |
| Return on assets (ROA) | 0.1568% | 5,969 |
| Pretax return on assets | 0.2307% | 5,871 |
| Return on Equity (ROE) | 2.0896% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.0896% | 4,705 |
| Net charge-offs to loans | 0.2490% | 3,160 |
| Credit loss provision to net charge-offs | 181.9209% | 2,392 |
| Earnings coverage of net charge-offs (x) | 2.3107% | 3,579 |
| Efficiency ratio | 86.2197% | 2,043 |
| Assets per employee ($millions) | 3.3225% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,913 |
| Loan loss allowance to noncurrent loans | 81.0359% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 3,676 |
| Noncurrent loans to loans | 1.2743% | 4,435 |
| Net loans and leases to total assets | 76.6821% | 2,114 |
| Net loans and leases to deposits | 92.3091% | 2,545 |
| Net loans and leases to core deposits | 102.6199% | 4,278 |
| Total domestic deposits to total assets | 83.0711% | 4,109 |
| Equity capital to assets | 7.6323% | 7,239 |
| Core capital (leverage) ratio | 8.3068% | 5,891 |
| Tier 1 risk-based capital ratio | 10.1198% | 6,790 |
| Total risk-based capital ratio | 11.1541% | 6,925 |
| Memoranda: | ||
| Average total assets | $352,003,500 | 1,973 |
| Average earning assets | $323,932,000 | 1,958 |
| Average equity | $26,417,000 | 2,533 |
| Average total loans | $284,326,500 | 1,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6598% | 2,202 |
| Cost of funding earning assets | 2.8720% | 2,385 |
| Net interest margin | 3.7878% | 4,072 |
| Noninterest income to average assets | 0.6906% | 3,179 |
| Noninterest expense to average assets | 3.4222% | 2,601 |
| Loan and lease loss provision to assets | 0.4512% | 3,035 |
| Net operating income to assets | 0.4272% | 5,042 |
| Return on assets (ROA) | 0.0713% | 6,030 |
| Pretax return on assets | -0.2174% | 6,383 |
| Return on Equity (ROE) | 0.8933% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.8933% | 4,696 |
| Net charge-offs to loans | 0.2568% | 3,702 |
| Credit loss provision to net charge-offs | 211.3885% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.7005% | 4,250 |
| Efficiency ratio | 81.2475% | 2,403 |
| Assets per employee ($millions) | 2.7380% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 5,780 |
| Loan loss allowance to noncurrent loans | 74.0866% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 3,852 |
| Noncurrent loans to loans | 1.3894% | 3,737 |
| Net loans and leases to total assets | 83.6648% | 943 |
| Net loans and leases to deposits | 102.3627% | 1,546 |
| Net loans and leases to core deposits | 117.9912% | 2,884 |
| Total domestic deposits to total assets | 81.7337% | 4,304 |
| Equity capital to assets | 7.3591% | 7,504 |
| Core capital (leverage) ratio | 7.4772% | 7,233 |
| Tier 1 risk-based capital ratio | 8.9684% | 7,805 |
| Total risk-based capital ratio | 10.0255% | 7,990 |
| Memoranda: | ||
| Average total assets | $300,299,800 | 2,204 |
| Average earning assets | $279,183,000 | 2,179 |
| Average equity | $23,956,800 | 2,736 |
| Average total loans | $249,580,800 | 1,907 |