Home > Blue Ridge Bank and Trust Co. > Performance and Condition Ratios
Blue Ridge Bank and Trust Co., 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 | 4.6175% | 2,860 |
| Cost of funding earning assets | 1.3228% | 2,450 |
| Net interest margin | 3.2948% | 2,651 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.6167% | 1,955 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 0.8043% | 2,862 |
| Return on assets (ROA) | 0.8043% | 2,836 |
| Pretax return on assets | 1.0095% | 2,659 |
| Return on Equity (ROE) | 10.6600% | 2,321 |
| Retained earnings to average equity (ytd only) | -0.4565% | 4,136 |
| Net charge-offs to loans | 0.2450% | 436 |
| Credit loss provision to net charge-offs | 139.5173% | 1,532 |
| Earnings coverage of net charge-offs (x) | 7.5370% | 2,397 |
| Efficiency ratio | 66.9040% | 2,241 |
| Assets per employee ($millions) | 6.6203% | 2,329 |
| Cash dividends to net income (ytd only)* | 104.2834% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,028 |
| Loan loss allowance to noncurrent loans | 789.8352% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,628 |
| Noncurrent loans to loans | 0.1908% | 2,561 |
| Net loans and leases to total assets | 69.2100% | 1,899 |
| Net loans and leases to deposits | 80.2548% | 2,085 |
| Net loans and leases to core deposits | 85.3720% | 2,350 |
| Total domestic deposits to total assets | 86.2400% | 1,937 |
| Equity capital to assets | 7.5677% | 3,675 |
| Core capital (leverage) ratio | 8.4969% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2011% | 2,789 |
| Memoranda: | ||
| Average total assets | $772,075,600 | 1,213 |
| Average earning assets | $720,382,600 | 1,204 |
| Average equity | $58,268,000 | 1,420 |
| Average total loans | $541,197,600 | 1,165 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,996 |
| Cost of funding earning assets | 1.1903% | 2,461 |
| Net interest margin | 3.2666% | 2,761 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.5999% | 1,943 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.7824% | 3,078 |
| Return on assets (ROA) | 0.7824% | 3,067 |
| Pretax return on assets | 0.9952% | 2,873 |
| Return on Equity (ROE) | 10.4200% | 2,526 |
| Retained earnings to average equity (ytd only) | -3.7532% | 4,389 |
| Net charge-offs to loans | 0.3049% | 288 |
| Credit loss provision to net charge-offs | 127.0492% | 1,441 |
| Earnings coverage of net charge-offs (x) | 5.9279% | 2,321 |
| Efficiency ratio | 67.2404% | 2,108 |
| Assets per employee ($millions) | 6.0910% | 2,662 |
| Cash dividends to net income (ytd only)* | 136.0197% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,050 |
| Loan loss allowance to noncurrent loans | 671.7928% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,202 |
| Noncurrent loans to loans | 0.2266% | 2,442 |
| Net loans and leases to total assets | 69.4000% | 1,899 |
| Net loans and leases to deposits | 79.6145% | 2,087 |
| Net loans and leases to core deposits | 86.7722% | 2,135 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 7.2665% | 3,481 |
| Core capital (leverage) ratio | 8.3135% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0402% | 2,818 |
| Memoranda: | ||
| Average total assets | $761,251,250 | 1,224 |
| Average earning assets | $712,193,000 | 1,209 |
| Average equity | $57,159,250 | 1,432 |
| Average total loans | $533,444,750 | 1,171 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 3,195 |
| Cost of funding earning assets | 1.0081% | 2,581 |
| Net interest margin | 3.2435% | 2,881 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.6485% | 1,795 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.7552% | 3,205 |
| Return on assets (ROA) | 0.7552% | 3,226 |
| Pretax return on assets | 0.9605% | 3,015 |
| Return on Equity (ROE) | 9.9500% | 2,714 |
| Retained earnings to average equity (ytd only) | -10.4302% | 4,520 |
| Net charge-offs to loans | 0.4154% | 203 |
| Credit loss provision to net charge-offs | 75.3199% | 1,571 |
| Earnings coverage of net charge-offs (x) | 4.0594% | 2,235 |
| Efficiency ratio | 69.1918% | 1,843 |
| Assets per employee ($millions) | 5.9507% | 2,753 |
| Cash dividends to net income (ytd only)* | 204.8523% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,390 |
| Loan loss allowance to noncurrent loans | 443.1239% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,032 |
| Noncurrent loans to loans | 0.3248% | 1,969 |
| Net loans and leases to total assets | 69.8400% | 1,761 |
| Net loans and leases to deposits | 80.5172% | 1,934 |
| Net loans and leases to core deposits | 85.9473% | 2,080 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 7.3533% | 3,606 |
| Core capital (leverage) ratio | 8.5346% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0099% | 2,845 |
| Memoranda: | ||
| Average total assets | $753,178,667 | 1,232 |
| Average earning assets | $704,488,667 | 1,221 |
| Average equity | $57,180,333 | 1,435 |
| Average total loans | $526,679,000 | 1,171 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,325 |
| Cost of funding earning assets | 0.7946% | 2,756 |
| Net interest margin | 3.2738% | 2,940 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.6628% | 1,761 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.7561% | 3,328 |
| Return on assets (ROA) | 0.7561% | 3,280 |
| Pretax return on assets | 0.9657% | 3,088 |
| Return on Equity (ROE) | 9.6800% | 2,880 |
| Retained earnings to average equity (ytd only) | -30.2932% | 4,637 |
| Net charge-offs to loans | 0.0255% | 1,176 |
| Credit loss provision to net charge-offs | 1,363.6364% | 294 |
| Earnings coverage of net charge-offs (x) | 68.2424% | 958 |
| Efficiency ratio | 68.8132% | 1,884 |
| Assets per employee ($millions) | 5.7915% | 2,948 |
| Cash dividends to net income (ytd only)* | 412.8987% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,461 |
| Loan loss allowance to noncurrent loans | 327.8163% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 1,627 |
| Noncurrent loans to loans | 0.4394% | 1,621 |
| Net loans and leases to total assets | 69.3000% | 1,692 |
| Net loans and leases to deposits | 78.5688% | 1,920 |
| Net loans and leases to core deposits | 83.0147% | 2,060 |
| Total domestic deposits to total assets | 88.2000% | 1,856 |
| Equity capital to assets | 7.6071% | 3,503 |
| Core capital (leverage) ratio | 8.7275% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5248% | 2,846 |
| Memoranda: | ||
| Average total assets | $746,420,500 | 1,257 |
| Average earning assets | $698,751,000 | 1,239 |
| Average equity | $58,297,000 | 1,427 |
| Average total loans | $518,036,500 | 1,193 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 3,263 |
| Cost of funding earning assets | 0.3122% | 2,779 |
| Net interest margin | 3.1203% | 3,112 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.6115% | 1,797 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8445% | 3,178 |
| Return on assets (ROA) | 0.8445% | 3,107 |
| Pretax return on assets | 1.0921% | 2,797 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.6947% | 1,243 |
| Net charge-offs to loans | 0.1401% | 578 |
| Credit loss provision to net charge-offs | 55.7300% | 1,798 |
| Earnings coverage of net charge-offs (x) | 13.3438% | 2,076 |
| Efficiency ratio | 69.6179% | 1,741 |
| Assets per employee ($millions) | 5.7809% | 2,966 |
| Cash dividends to net income (ytd only)* | 8.7329% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,505 |
| Loan loss allowance to noncurrent loans | 328.9922% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 1,690 |
| Noncurrent loans to loans | 0.4254% | 1,653 |
| Net loans and leases to total assets | 67.5300% | 1,882 |
| Net loans and leases to deposits | 76.3244% | 2,072 |
| Net loans and leases to core deposits | 78.8231% | 2,211 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 8.0137% | 3,053 |
| Core capital (leverage) ratio | 9.3880% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3537% | 2,629 |
| Memoranda: | ||
| Average total assets | $745,802,400 | 1,249 |
| Average earning assets | $698,160,200 | 1,236 |
| Average equity | $59,290,400 | 1,417 |
| Average total loans | $454,670,000 | 1,261 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 3,233 |
| Cost of funding earning assets | 0.2636% | 2,561 |
| Net interest margin | 3.0175% | 3,172 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.5768% | 1,773 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8493% | 3,071 |
| Return on assets (ROA) | 0.8493% | 3,044 |
| Pretax return on assets | 1.0971% | 2,734 |
| Return on Equity (ROE) | 10.7100% | 2,503 |
| Retained earnings to average equity (ytd only) | 10.0291% | 1,332 |
| Net charge-offs to loans | 0.1543% | 421 |
| Credit loss provision to net charge-offs | 5.8824% | 1,670 |
| Earnings coverage of net charge-offs (x) | 12.0922% | 1,928 |
| Efficiency ratio | 70.0355% | 1,759 |
| Assets per employee ($millions) | 5.4319% | 3,290 |
| Cash dividends to net income (ytd only)* | 6.3145% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,523 |
| Loan loss allowance to noncurrent loans | 1,244.0072% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,123 |
| Noncurrent loans to loans | 0.1146% | 3,073 |
| Net loans and leases to total assets | 67.0400% | 1,780 |
| Net loans and leases to deposits | 75.0929% | 1,952 |
| Net loans and leases to core deposits | 76.7105% | 2,143 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 7.9324% | 2,942 |
| Core capital (leverage) ratio | 8.9881% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9231% | 2,504 |
| Memoranda: | ||
| Average total assets | $745,819,250 | 1,260 |
| Average earning assets | $698,391,250 | 1,246 |
| Average equity | $59,172,750 | 1,435 |
| Average total loans | $440,648,750 | 1,280 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,335 |
| Cost of funding earning assets | 0.2368% | 2,427 |
| Net interest margin | 2.8515% | 3,284 |
| Noninterest income to average assets | 0.8443% | 957 |
| Noninterest expense to average assets | 2.5043% | 1,916 |
| Loan and lease loss provision to assets | 0.0079% | 2,452 |
| Net operating income to assets | 0.7816% | 3,022 |
| Return on assets (ROA) | 0.7816% | 2,990 |
| Pretax return on assets | 1.0063% | 2,705 |
| Return on Equity (ROE) | 9.8501% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.1828% | 1,234 |
| Net charge-offs to loans | 0.1595% | 401 |
| Credit loss provision to net charge-offs | 8.8496% | 1,638 |
| Earnings coverage of net charge-offs (x) | 11.3009% | 1,733 |
| Efficiency ratio | 71.1738% | 1,809 |
| Assets per employee ($millions) | 5.7070% | 3,023 |
| Cash dividends to net income (ytd only)* | 6.7751% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 1,090 |
| Loan loss allowance to noncurrent loans | 1,272.1429% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,232 |
| Noncurrent loans to loans | 0.1281% | 3,077 |
| Net loans and leases to total assets | 57.1039% | 2,629 |
| Net loans and leases to deposits | 66.0556% | 2,541 |
| Net loans and leases to core deposits | 67.5677% | 2,693 |
| Total domestic deposits to total assets | 86.4482% | 3,127 |
| Equity capital to assets | 7.7362% | 3,317 |
| Core capital (leverage) ratio | 8.5532% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1187% | 2,006 |
| Memoranda: | ||
| Average total assets | $755,421,333 | 1,243 |
| Average earning assets | $708,475,333 | 1,237 |
| Average equity | $59,938,333 | 1,440 |
| Average total loans | $424,993,000 | 1,312 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9383% | 3,433 |
| Cost of funding earning assets | 0.2395% | 2,272 |
| Net interest margin | 2.6988% | 3,401 |
| Noninterest income to average assets | 0.8386% | 958 |
| Noninterest expense to average assets | 2.4625% | 1,979 |
| Loan and lease loss provision to assets | 0.0159% | 2,065 |
| Net operating income to assets | 0.6927% | 3,086 |
| Return on assets (ROA) | 0.6927% | 3,075 |
| Pretax return on assets | 0.8931% | 2,804 |
| Return on Equity (ROE) | 8.6229% | 2,473 |
| Retained earnings to average equity (ytd only) | 7.9647% | 1,598 |
| Net charge-offs to loans | -0.0191% | 3,888 |
| Credit loss provision to net charge-offs | -150.0000% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0395% | 1,851 |
| Assets per employee ($millions) | 6.1122% | 2,697 |
| Cash dividends to net income (ytd only)* | 7.6336% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 933 |
| Loan loss allowance to noncurrent loans | 117.0369% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 648 |
| Noncurrent loans to loans | 1.5102% | 543 |
| Net loans and leases to total assets | 54.4192% | 2,705 |
| Net loans and leases to deposits | 62.9455% | 2,632 |
| Net loans and leases to core deposits | 64.2621% | 2,775 |
| Total domestic deposits to total assets | 86.4545% | 3,119 |
| Equity capital to assets | 7.7050% | 3,797 |
| Core capital (leverage) ratio | 8.4241% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2840% | 2,083 |
| Memoranda: | ||
| Average total assets | $756,473,000 | 1,246 |
| Average earning assets | $709,942,000 | 1,237 |
| Average equity | $60,768,500 | 1,463 |
| Average total loans | $418,840,500 | 1,324 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,708 |
| Cost of funding earning assets | 0.3058% | 2,352 |
| Net interest margin | 2.7825% | 3,705 |
| Noninterest income to average assets | 0.8879% | 1,239 |
| Noninterest expense to average assets | 2.5499% | 2,027 |
| Loan and lease loss provision to assets | 0.0840% | 1,459 |
| Net operating income to assets | 0.6714% | 3,695 |
| Return on assets (ROA) | 0.6714% | 3,745 |
| Pretax return on assets | 0.8593% | 3,598 |
| Return on Equity (ROE) | 7.7662% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.1466% | 2,297 |
| Net charge-offs to loans | 0.1601% | 600 |
| Credit loss provision to net charge-offs | 90.9091% | 1,871 |
| Earnings coverage of net charge-offs (x) | 10.2076% | 2,218 |
| Efficiency ratio | 72.9958% | 1,411 |
| Assets per employee ($millions) | 5.9438% | 2,833 |
| Cash dividends to net income (ytd only)* | 20.8551% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 875 |
| Loan loss allowance to noncurrent loans | 75.6539% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 350 |
| Noncurrent loans to loans | 2.3708% | 292 |
| Net loans and leases to total assets | 54.3436% | 2,808 |
| Net loans and leases to deposits | 63.4360% | 2,739 |
| Net loans and leases to core deposits | 64.9101% | 2,907 |
| Total domestic deposits to total assets | 85.6668% | 3,028 |
| Equity capital to assets | 8.3679% | 4,134 |
| Core capital (leverage) ratio | 8.6357% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5773% | 2,029 |
| Memoranda: | ||
| Average total assets | $714,189,000 | 1,270 |
| Average earning assets | $668,724,400 | 1,263 |
| Average equity | $61,741,800 | 1,482 |
| Average total loans | $412,358,600 | 1,343 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1876% | 3,626 |
| Cost of funding earning assets | 0.3251% | 2,350 |
| Net interest margin | 2.8625% | 3,630 |
| Noninterest income to average assets | 0.8965% | 1,265 |
| Noninterest expense to average assets | 2.5910% | 1,869 |
| Loan and lease loss provision to assets | 0.1134% | 1,059 |
| Net operating income to assets | 0.6460% | 3,911 |
| Return on assets (ROA) | 0.6460% | 3,965 |
| Pretax return on assets | 0.8731% | 3,752 |
| Return on Equity (ROE) | 7.4089% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.6748% | 2,965 |
| Net charge-offs to loans | 0.2062% | 403 |
| Credit loss provision to net charge-offs | 94.1915% | 1,637 |
| Earnings coverage of net charge-offs (x) | 8.1947% | 2,113 |
| Efficiency ratio | 72.4247% | 1,367 |
| Assets per employee ($millions) | 5.5930% | 3,103 |
| Cash dividends to net income (ytd only)* | 23.4055% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 878 |
| Loan loss allowance to noncurrent loans | 74.0906% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 371 |
| Noncurrent loans to loans | 2.4708% | 303 |
| Net loans and leases to total assets | 55.8440% | 2,743 |
| Net loans and leases to deposits | 64.9089% | 2,742 |
| Net loans and leases to core deposits | 66.6062% | 2,902 |
| Total domestic deposits to total assets | 86.0345% | 2,736 |
| Equity capital to assets | 8.7022% | 4,067 |
| Core capital (leverage) ratio | 8.5446% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5774% | 2,140 |
| Memoranda: | ||
| Average total assets | $705,506,250 | 1,298 |
| Average earning assets | $660,747,750 | 1,289 |
| Average equity | $61,510,000 | 1,504 |
| Average total loans | $411,842,500 | 1,373 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 3,711 |
| Cost of funding earning assets | 0.3353% | 2,443 |
| Net interest margin | 2.8441% | 3,689 |
| Noninterest income to average assets | 0.8740% | 1,345 |
| Noninterest expense to average assets | 2.5580% | 1,970 |
| Loan and lease loss provision to assets | 0.1282% | 975 |
| Net operating income to assets | 0.6285% | 3,922 |
| Return on assets (ROA) | 0.6285% | 3,980 |
| Pretax return on assets | 0.8504% | 3,766 |
| Return on Equity (ROE) | 7.2036% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.5505% | 2,603 |
| Net charge-offs to loans | 0.2888% | 306 |
| Credit loss provision to net charge-offs | 75.3769% | 1,499 |
| Earnings coverage of net charge-offs (x) | 5.7538% | 1,982 |
| Efficiency ratio | 72.3296% | 1,399 |
| Assets per employee ($millions) | 5.6556% | 2,954 |
| Cash dividends to net income (ytd only)* | 9.0662% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 899 |
| Loan loss allowance to noncurrent loans | 71.8057% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 427 |
| Noncurrent loans to loans | 2.4944% | 331 |
| Net loans and leases to total assets | 55.6328% | 2,945 |
| Net loans and leases to deposits | 64.9530% | 2,903 |
| Net loans and leases to core deposits | 66.6756% | 3,056 |
| Total domestic deposits to total assets | 85.6509% | 2,856 |
| Equity capital to assets | 8.5399% | 4,171 |
| Core capital (leverage) ratio | 8.5521% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7834% | 2,062 |
| Memoranda: | ||
| Average total assets | $702,041,333 | 1,301 |
| Average earning assets | $657,229,667 | 1,293 |
| Average equity | $61,247,000 | 1,499 |
| Average total loans | $413,375,667 | 1,373 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 3,552 |
| Cost of funding earning assets | 0.3495% | 2,522 |
| Net interest margin | 2.9078% | 3,492 |
| Noninterest income to average assets | 0.8867% | 1,365 |
| Noninterest expense to average assets | 2.6167% | 1,844 |
| Loan and lease loss provision to assets | 0.1302% | 1,052 |
| Net operating income to assets | 0.6257% | 3,875 |
| Return on assets (ROA) | 0.6257% | 3,945 |
| Pretax return on assets | 0.8554% | 3,704 |
| Return on Equity (ROE) | 7.0932% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.4371% | 2,752 |
| Net charge-offs to loans | 0.0520% | 983 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 31.5370% | 1,077 |
| Efficiency ratio | 72.6382% | 1,441 |
| Assets per employee ($millions) | 5.2398% | 3,390 |
| Cash dividends to net income (ytd only)* | 9.2507% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 786 |
| Loan loss allowance to noncurrent loans | 54.1140% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0016% | 253 |
| Noncurrent loans to loans | 3.4342% | 202 |
| Net loans and leases to total assets | 57.2013% | 2,883 |
| Net loans and leases to deposits | 66.4382% | 2,875 |
| Net loans and leases to core deposits | 68.2260% | 3,043 |
| Total domestic deposits to total assets | 86.0970% | 2,698 |
| Equity capital to assets | 8.6571% | 3,993 |
| Core capital (leverage) ratio | 8.8037% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7316% | 1,992 |
| Memoranda: | ||
| Average total assets | $691,103,000 | 1,299 |
| Average earning assets | $645,431,000 | 1,299 |
| Average equity | $60,959,500 | 1,500 |
| Average total loans | $415,023,000 | 1,372 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 2,510 |
| Cost of funding earning assets | 0.4505% | 3,275 |
| Net interest margin | 3.6203% | 2,073 |
| Noninterest income to average assets | 1.0237% | 1,005 |
| Noninterest expense to average assets | 2.7870% | 1,974 |
| Loan and lease loss provision to assets | 0.4802% | 541 |
| Net operating income to assets | 0.8993% | 2,702 |
| Return on assets (ROA) | 0.9029% | 2,819 |
| Pretax return on assets | 1.1211% | 2,618 |
| Return on Equity (ROE) | 9.4422% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.6099% | 3,545 |
| Net charge-offs to loans | 0.1349% | 1,195 |
| Credit loss provision to net charge-offs | 513.9860% | 1,229 |
| Earnings coverage of net charge-offs (x) | 17.0927% | 2,096 |
| Efficiency ratio | 63.5744% | 2,883 |
| Assets per employee ($millions) | 4.9988% | 3,394 |
| Cash dividends to net income (ytd only)* | 72.3589% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 868 |
| Loan loss allowance to noncurrent loans | 54.0476% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 269 |
| Noncurrent loans to loans | 3.3177% | 232 |
| Net loans and leases to total assets | 60.7953% | 2,758 |
| Net loans and leases to deposits | 70.5416% | 2,822 |
| Net loans and leases to core deposits | 72.2339% | 3,054 |
| Total domestic deposits to total assets | 86.1835% | 2,288 |
| Equity capital to assets | 8.9920% | 4,060 |
| Core capital (leverage) ratio | 9.1864% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2537% | 2,141 |
| Memoranda: | ||
| Average total assets | $612,267,600 | 1,311 |
| Average earning assets | $568,263,600 | 1,313 |
| Average equity | $58,545,400 | 1,476 |
| Average total loans | $424,158,200 | 1,285 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,470 |
| Cost of funding earning assets | 0.4738% | 3,404 |
| Net interest margin | 3.6948% | 1,962 |
| Noninterest income to average assets | 0.9283% | 1,159 |
| Noninterest expense to average assets | 2.8312% | 1,877 |
| Loan and lease loss provision to assets | 0.4111% | 839 |
| Net operating income to assets | 0.8739% | 2,797 |
| Return on assets (ROA) | 0.8787% | 2,910 |
| Pretax return on assets | 1.1183% | 2,682 |
| Return on Equity (ROE) | 9.0371% | 2,382 |
| Retained earnings to average equity (ytd only) | 0.3034% | 4,427 |
| Net charge-offs to loans | 0.1572% | 938 |
| Credit loss provision to net charge-offs | 366.5339% | 1,552 |
| Earnings coverage of net charge-offs (x) | 13.5797% | 2,190 |
| Efficiency ratio | 65.0159% | 2,591 |
| Assets per employee ($millions) | 4.6853% | 3,619 |
| Cash dividends to net income (ytd only)* | 96.6429% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,696 |
| Loan loss allowance to noncurrent loans | 84.0114% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 802 |
| Noncurrent loans to loans | 1.6794% | 819 |
| Net loans and leases to total assets | 71.9324% | 1,676 |
| Net loans and leases to deposits | 83.3125% | 1,977 |
| Net loans and leases to core deposits | 85.7874% | 2,317 |
| Total domestic deposits to total assets | 86.3404% | 1,922 |
| Equity capital to assets | 9.4487% | 3,724 |
| Core capital (leverage) ratio | 9.2284% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7399% | 2,309 |
| Memoranda: | ||
| Average total assets | $596,626,500 | 1,316 |
| Average earning assets | $553,267,000 | 1,318 |
| Average equity | $58,011,500 | 1,479 |
| Average total loans | $425,758,500 | 1,272 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,657 |
| Cost of funding earning assets | 0.4991% | 3,537 |
| Net interest margin | 3.7345% | 2,041 |
| Noninterest income to average assets | 0.9276% | 1,104 |
| Noninterest expense to average assets | 2.8873% | 1,863 |
| Loan and lease loss provision to assets | 0.3378% | 1,268 |
| Net operating income to assets | 0.8998% | 2,690 |
| Return on assets (ROA) | 0.9044% | 2,798 |
| Pretax return on assets | 1.1624% | 2,487 |
| Return on Equity (ROE) | 9.2089% | 2,275 |
| Retained earnings to average equity (ytd only) | -3.6440% | 4,705 |
| Net charge-offs to loans | 0.1629% | 917 |
| Credit loss provision to net charge-offs | 292.8994% | 1,640 |
| Earnings coverage of net charge-offs (x) | 12.9586% | 2,021 |
| Efficiency ratio | 65.8958% | 2,531 |
| Assets per employee ($millions) | 4.5272% | 3,749 |
| Cash dividends to net income (ytd only)* | 139.5700% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,041 |
| Loan loss allowance to noncurrent loans | 105.8651% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,418 |
| Noncurrent loans to loans | 1.2210% | 1,285 |
| Net loans and leases to total assets | 70.6009% | 1,938 |
| Net loans and leases to deposits | 81.1970% | 2,293 |
| Net loans and leases to core deposits | 83.6059% | 2,641 |
| Total domestic deposits to total assets | 86.9501% | 1,641 |
| Equity capital to assets | 9.2943% | 3,835 |
| Core capital (leverage) ratio | 9.1782% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8106% | 2,261 |
| Memoranda: | ||
| Average total assets | $586,225,333 | 1,319 |
| Average earning assets | $542,192,000 | 1,325 |
| Average equity | $57,574,667 | 1,473 |
| Average total loans | $414,986,000 | 1,289 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 2,595 |
| Cost of funding earning assets | 0.5451% | 3,719 |
| Net interest margin | 3.8622% | 1,787 |
| Noninterest income to average assets | 1.0025% | 856 |
| Noninterest expense to average assets | 3.1008% | 1,635 |
| Loan and lease loss provision to assets | 0.1693% | 1,737 |
| Net operating income to assets | 1.0011% | 2,170 |
| Return on assets (ROA) | 1.0011% | 2,277 |
| Pretax return on assets | 1.2918% | 1,890 |
| Return on Equity (ROE) | 9.9008% | 1,781 |
| Retained earnings to average equity (ytd only) | -15.9153% | 4,910 |
| Net charge-offs to loans | 0.3107% | 470 |
| Credit loss provision to net charge-offs | 77.4194% | 1,947 |
| Earnings coverage of net charge-offs (x) | 6.6806% | 1,971 |
| Efficiency ratio | 67.9709% | 2,671 |
| Assets per employee ($millions) | 4.0258% | 3,881 |
| Cash dividends to net income (ytd only)* | 260.7470% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,324 |
| Loan loss allowance to noncurrent loans | 93.5579% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 1,377 |
| Noncurrent loans to loans | 1.3495% | 1,196 |
| Net loans and leases to total assets | 70.6295% | 2,146 |
| Net loans and leases to deposits | 82.0629% | 2,447 |
| Net loans and leases to core deposits | 85.0849% | 2,752 |
| Total domestic deposits to total assets | 86.0675% | 1,975 |
| Equity capital to assets | 10.1130% | 3,681 |
| Core capital (leverage) ratio | 9.8911% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4570% | 2,500 |
| Memoranda: | ||
| Average total assets | $566,959,500 | 1,316 |
| Average earning assets | $522,497,500 | 1,325 |
| Average equity | $57,328,500 | 1,464 |
| Average total loans | $399,049,000 | 1,296 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 3,229 |
| Cost of funding earning assets | 0.6116% | 3,591 |
| Net interest margin | 3.7953% | 2,510 |
| Noninterest income to average assets | 1.0546% | 852 |
| Noninterest expense to average assets | 2.9935% | 2,037 |
| Loan and lease loss provision to assets | 0.1490% | 1,434 |
| Net operating income to assets | 1.0717% | 2,564 |
| Return on assets (ROA) | 1.0712% | 2,663 |
| Pretax return on assets | 1.4068% | 2,133 |
| Return on Equity (ROE) | 10.8669% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.1792% | 1,318 |
| Net charge-offs to loans | 0.4396% | 435 |
| Credit loss provision to net charge-offs | 48.4709% | 3,145 |
| Earnings coverage of net charge-offs (x) | 5.0641% | 3,131 |
| Efficiency ratio | 65.7949% | 2,803 |
| Assets per employee ($millions) | 4.2251% | 3,605 |
| Cash dividends to net income (ytd only)* | 33.9348% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 1,983 |
| Loan loss allowance to noncurrent loans | 79.9501% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 1,088 |
| Noncurrent loans to loans | 1.6100% | 878 |
| Net loans and leases to total assets | 68.3878% | 2,623 |
| Net loans and leases to deposits | 79.0400% | 2,902 |
| Net loans and leases to core deposits | 80.7960% | 3,232 |
| Total domestic deposits to total assets | 86.5230% | 1,837 |
| Equity capital to assets | 10.1053% | 3,826 |
| Core capital (leverage) ratio | 10.3281% | 3,159 |
| Tier 1 risk-based capital ratio | 12.8332% | 3,881 |
| Total risk-based capital ratio | 13.9924% | 3,816 |
| Memoranda: | ||
| Average total assets | $563,921,400 | 1,282 |
| Average earning assets | $519,321,800 | 1,292 |
| Average equity | $55,591,000 | 1,456 |
| Average total loans | $394,252,400 | 1,284 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 3,315 |
| Cost of funding earning assets | 0.6222% | 3,575 |
| Net interest margin | 3.7881% | 2,634 |
| Noninterest income to average assets | 1.0690% | 802 |
| Noninterest expense to average assets | 3.0298% | 1,889 |
| Loan and lease loss provision to assets | 0.1283% | 1,514 |
| Net operating income to assets | 1.0644% | 2,716 |
| Return on assets (ROA) | 1.0638% | 2,803 |
| Pretax return on assets | 1.3973% | 2,323 |
| Return on Equity (ROE) | 10.8610% | 2,073 |
| Retained earnings to average equity (ytd only) | 7.7079% | 1,536 |
| Net charge-offs to loans | 0.0620% | 1,935 |
| Credit loss provision to net charge-offs | 295.0820% | 961 |
| Earnings coverage of net charge-offs (x) | 35.1098% | 1,478 |
| Efficiency ratio | 66.4998% | 2,663 |
| Assets per employee ($millions) | 4.1664% | 3,672 |
| Cash dividends to net income (ytd only)* | 29.0308% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 1,011 |
| Loan loss allowance to noncurrent loans | 81.5924% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3889% | 844 |
| Noncurrent loans to loans | 1.9511% | 699 |
| Net loans and leases to total assets | 70.0507% | 2,465 |
| Net loans and leases to deposits | 81.2158% | 2,774 |
| Net loans and leases to core deposits | 83.4252% | 3,138 |
| Total domestic deposits to total assets | 86.2525% | 1,885 |
| Equity capital to assets | 10.1797% | 3,844 |
| Core capital (leverage) ratio | 10.1605% | 3,464 |
| Tier 1 risk-based capital ratio | 12.6566% | 4,058 |
| Total risk-based capital ratio | 13.9088% | 3,925 |
| Memoranda: | ||
| Average total assets | $561,250,000 | 1,296 |
| Average earning assets | $516,662,250 | 1,302 |
| Average equity | $54,972,250 | 1,475 |
| Average total loans | $393,294,250 | 1,294 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 3,431 |
| Cost of funding earning assets | 0.6097% | 3,603 |
| Net interest margin | 3.7572% | 2,729 |
| Noninterest income to average assets | 1.0545% | 778 |
| Noninterest expense to average assets | 3.0636% | 1,827 |
| Loan and lease loss provision to assets | 0.0856% | 2,133 |
| Net operating income to assets | 1.0350% | 2,785 |
| Return on assets (ROA) | 1.0342% | 2,865 |
| Pretax return on assets | 1.3612% | 2,341 |
| Return on Equity (ROE) | 10.6990% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.0097% | 1,802 |
| Net charge-offs to loans | 0.0343% | 2,177 |
| Credit loss provision to net charge-offs | 358.2090% | 792 |
| Earnings coverage of net charge-offs (x) | 60.5970% | 977 |
| Efficiency ratio | 67.9077% | 2,547 |
| Assets per employee ($millions) | 4.0451% | 3,812 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,094 |
| Loan loss allowance to noncurrent loans | 79.4941% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 919 |
| Noncurrent loans to loans | 1.9774% | 729 |
| Net loans and leases to total assets | 67.0182% | 2,961 |
| Net loans and leases to deposits | 77.3947% | 3,204 |
| Net loans and leases to core deposits | 79.9218% | 3,429 |
| Total domestic deposits to total assets | 86.5927% | 1,775 |
| Equity capital to assets | 9.6474% | 4,276 |
| Core capital (leverage) ratio | 9.9885% | 3,591 |
| Tier 1 risk-based capital ratio | 12.7036% | 4,011 |
| Total risk-based capital ratio | 13.9558% | 3,906 |
| Memoranda: | ||
| Average total assets | $560,846,670 | 1,295 |
| Average earning assets | $516,019,670 | 1,302 |
| Average equity | $54,210,670 | 1,481 |
| Average total loans | $390,932,000 | 1,304 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 3,379 |
| Cost of funding earning assets | 0.5833% | 3,663 |
| Net interest margin | 3.7757% | 2,611 |
| Noninterest income to average assets | 1.0086% | 786 |
| Noninterest expense to average assets | 3.1128% | 1,707 |
| Loan and lease loss provision to assets | 0.0652% | 2,358 |
| Net operating income to assets | 0.9806% | 2,922 |
| Return on assets (ROA) | 0.9789% | 2,970 |
| Pretax return on assets | 1.2897% | 2,499 |
| Return on Equity (ROE) | 10.1173% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.1263% | 3,268 |
| Net charge-offs to loans | 0.0678% | 1,377 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 28.3788% | 1,363 |
| Efficiency ratio | 69.6385% | 2,402 |
| Assets per employee ($millions) | 4.0500% | 3,849 |
| Cash dividends to net income (ytd only)* | 59.2154% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,262 |
| Loan loss allowance to noncurrent loans | 136.9531% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 1,767 |
| Noncurrent loans to loans | 1.1128% | 1,507 |
| Net loans and leases to total assets | 70.8668% | 2,348 |
| Net loans and leases to deposits | 81.6956% | 2,641 |
| Net loans and leases to core deposits | 84.6861% | 2,973 |
| Total domestic deposits to total assets | 86.7449% | 1,936 |
| Equity capital to assets | 9.7992% | 4,012 |
| Core capital (leverage) ratio | 10.0018% | 3,605 |
| Tier 1 risk-based capital ratio | 12.2753% | 4,313 |
| Total risk-based capital ratio | 13.5270% | 4,171 |
| Memoranda: | ||
| Average total assets | $552,047,000 | 1,314 |
| Average earning assets | $506,081,000 | 1,331 |
| Average equity | $53,413,500 | 1,488 |
| Average total loans | $389,470,500 | 1,315 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,385 |
| Cost of funding earning assets | 0.4206% | 3,858 |
| Net interest margin | 3.7993% | 2,657 |
| Noninterest income to average assets | 1.1142% | 739 |
| Noninterest expense to average assets | 3.1240% | 1,737 |
| Loan and lease loss provision to assets | 0.0325% | 3,539 |
| Net operating income to assets | 1.1076% | 2,567 |
| Return on assets (ROA) | 1.1076% | 2,567 |
| Pretax return on assets | 1.4522% | 1,944 |
| Return on Equity (ROE) | 12.0654% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.1544% | 1,603 |
| Net charge-offs to loans | 0.0673% | 2,153 |
| Credit loss provision to net charge-offs | 68.7023% | 3,007 |
| Earnings coverage of net charge-offs (x) | 31.4237% | 1,545 |
| Efficiency ratio | 67.7857% | 2,583 |
| Assets per employee ($millions) | 4.1601% | 3,671 |
| Cash dividends to net income (ytd only)* | 40.7034% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,085 |
| Loan loss allowance to noncurrent loans | 137.1240% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 1,759 |
| Noncurrent loans to loans | 1.1470% | 1,399 |
| Net loans and leases to total assets | 68.0558% | 2,879 |
| Net loans and leases to deposits | 77.5559% | 3,221 |
| Net loans and leases to core deposits | 79.1771% | 3,487 |
| Total domestic deposits to total assets | 87.7506% | 1,415 |
| Equity capital to assets | 9.5524% | 4,084 |
| Core capital (leverage) ratio | 9.9746% | 3,612 |
| Tier 1 risk-based capital ratio | 12.6537% | 4,044 |
| Total risk-based capital ratio | 13.9060% | 3,928 |
| Memoranda: | ||
| Average total assets | $554,547,200 | 1,279 |
| Average earning assets | $510,041,000 | 1,286 |
| Average equity | $50,906,000 | 1,495 |
| Average total loans | $389,017,400 | 1,282 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 3,268 |
| Cost of funding earning assets | 0.4031% | 3,838 |
| Net interest margin | 3.8119% | 2,604 |
| Noninterest income to average assets | 1.1078% | 769 |
| Noninterest expense to average assets | 3.1245% | 1,703 |
| Loan and lease loss provision to assets | 0.0288% | 3,436 |
| Net operating income to assets | 1.1157% | 2,597 |
| Return on assets (ROA) | 1.1157% | 2,613 |
| Pretax return on assets | 1.4651% | 2,018 |
| Return on Equity (ROE) | 12.2781% | 1,688 |
| Retained earnings to average equity (ytd only) | 8.0470% | 1,628 |
| Net charge-offs to loans | 0.0536% | 2,054 |
| Credit loss provision to net charge-offs | 76.4331% | 2,568 |
| Earnings coverage of net charge-offs (x) | 39.5984% | 1,367 |
| Efficiency ratio | 67.6535% | 2,602 |
| Assets per employee ($millions) | 4.3709% | 3,326 |
| Cash dividends to net income (ytd only)* | 34.4605% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 1,121 |
| Loan loss allowance to noncurrent loans | 137.5539% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 1,905 |
| Noncurrent loans to loans | 1.1496% | 1,474 |
| Net loans and leases to total assets | 66.9130% | 3,080 |
| Net loans and leases to deposits | 75.4414% | 3,464 |
| Net loans and leases to core deposits | 77.3857% | 3,705 |
| Total domestic deposits to total assets | 88.6953% | 960 |
| Equity capital to assets | 9.1940% | 4,372 |
| Core capital (leverage) ratio | 9.4611% | 4,222 |
| Tier 1 risk-based capital ratio | 12.3495% | 4,284 |
| Total risk-based capital ratio | 13.6018% | 4,174 |
| Memoranda: | ||
| Average total assets | $554,860,750 | 1,282 |
| Average earning assets | $511,020,000 | 1,293 |
| Average equity | $50,419,250 | 1,509 |
| Average total loans | $390,630,500 | 1,284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,966 |
| Cost of funding earning assets | 0.3914% | 3,798 |
| Net interest margin | 3.8526% | 2,373 |
| Noninterest income to average assets | 1.1006% | 795 |
| Noninterest expense to average assets | 3.1555% | 1,646 |
| Loan and lease loss provision to assets | 0.0435% | 3,024 |
| Net operating income to assets | 1.1035% | 2,568 |
| Return on assets (ROA) | 1.1035% | 2,576 |
| Pretax return on assets | 1.4475% | 1,995 |
| Return on Equity (ROE) | 12.1932% | 1,656 |
| Retained earnings to average equity (ytd only) | 8.1889% | 1,539 |
| Net charge-offs to loans | 0.0717% | 1,618 |
| Credit loss provision to net charge-offs | 85.1064% | 2,210 |
| Earnings coverage of net charge-offs (x) | 29.1773% | 1,534 |
| Efficiency ratio | 67.9120% | 2,661 |
| Assets per employee ($millions) | 4.0249% | 3,852 |
| Cash dividends to net income (ytd only)* | 32.8407% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,271 |
| Loan loss allowance to noncurrent loans | 139.1165% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,872 |
| Noncurrent loans to loans | 1.1065% | 1,595 |
| Net loans and leases to total assets | 70.5047% | 2,503 |
| Net loans and leases to deposits | 80.1358% | 2,928 |
| Net loans and leases to core deposits | 82.6721% | 3,190 |
| Total domestic deposits to total assets | 87.9815% | 1,395 |
| Equity capital to assets | 9.2427% | 4,340 |
| Core capital (leverage) ratio | 9.3798% | 4,268 |
| Tier 1 risk-based capital ratio | 11.9831% | 4,508 |
| Total risk-based capital ratio | 13.2352% | 4,384 |
| Memoranda: | ||
| Average total assets | $551,865,330 | 1,288 |
| Average earning assets | $507,911,000 | 1,297 |
| Average equity | $49,945,670 | 1,526 |
| Average total loans | $393,057,670 | 1,274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,495 |
| Cost of funding earning assets | 0.3632% | 3,892 |
| Net interest margin | 3.6697% | 2,921 |
| Noninterest income to average assets | 1.0607% | 814 |
| Noninterest expense to average assets | 3.1270% | 1,747 |
| Loan and lease loss provision to assets | 0.0652% | 2,467 |
| Net operating income to assets | 0.9520% | 3,068 |
| Return on assets (ROA) | 0.9520% | 3,087 |
| Pretax return on assets | 1.2433% | 2,587 |
| Return on Equity (ROE) | 10.6320% | 2,113 |
| Retained earnings to average equity (ytd only) | 4.9681% | 3,195 |
| Net charge-offs to loans | 0.1122% | 1,106 |
| Credit loss provision to net charge-offs | 81.8182% | 1,732 |
| Earnings coverage of net charge-offs (x) | 16.4182% | 1,624 |
| Efficiency ratio | 70.4998% | 2,415 |
| Assets per employee ($millions) | 3.9686% | 4,028 |
| Cash dividends to net income (ytd only)* | 53.2725% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,367 |
| Loan loss allowance to noncurrent loans | 110.6681% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 1,589 |
| Noncurrent loans to loans | 1.3785% | 1,298 |
| Net loans and leases to total assets | 70.1252% | 2,465 |
| Net loans and leases to deposits | 79.1705% | 2,899 |
| Net loans and leases to core deposits | 81.7923% | 3,156 |
| Total domestic deposits to total assets | 88.5750% | 1,319 |
| Equity capital to assets | 8.8586% | 4,699 |
| Core capital (leverage) ratio | 9.1994% | 4,433 |
| Tier 1 risk-based capital ratio | 11.5750% | 4,823 |
| Total risk-based capital ratio | 12.8272% | 4,712 |
| Memoranda: | ||
| Average total assets | $552,090,000 | 1,297 |
| Average earning assets | $507,730,500 | 1,311 |
| Average equity | $49,435,500 | 1,549 |
| Average total loans | $392,160,500 | 1,278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,452 |
| Cost of funding earning assets | 0.3162% | 3,992 |
| Net interest margin | 3.6696% | 2,917 |
| Noninterest income to average assets | 1.1803% | 744 |
| Noninterest expense to average assets | 3.0948% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8244% | 3,060 |
| Return on assets (ROA) | 0.8244% | 3,101 |
| Pretax return on assets | 1.4480% | 1,822 |
| Return on Equity (ROE) | 9.0376% | 2,296 |
| Retained earnings to average equity (ytd only) | 4.5738% | 2,408 |
| Net charge-offs to loans | 0.2198% | 1,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.1459% | 2,818 |
| Efficiency ratio | 68.1244% | 2,874 |
| Assets per employee ($millions) | 3.8624% | 4,179 |
| Cash dividends to net income (ytd only)* | 49.3912% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,182 |
| Loan loss allowance to noncurrent loans | 107.7385% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 1,470 |
| Noncurrent loans to loans | 1.4669% | 1,165 |
| Net loans and leases to total assets | 69.7277% | 2,562 |
| Net loans and leases to deposits | 78.2692% | 3,087 |
| Net loans and leases to core deposits | 79.6125% | 3,450 |
| Total domestic deposits to total assets | 89.0871% | 971 |
| Equity capital to assets | 9.0525% | 4,667 |
| Core capital (leverage) ratio | 9.2349% | 4,360 |
| Tier 1 risk-based capital ratio | 11.7441% | 4,689 |
| Total risk-based capital ratio | 12.9966% | 4,571 |
| Memoranda: | ||
| Average total assets | $528,021,800 | 1,334 |
| Average earning assets | $483,841,200 | 1,350 |
| Average equity | $48,165,600 | 1,562 |
| Average total loans | $380,367,200 | 1,286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,338 |
| Cost of funding earning assets | 0.3010% | 4,118 |
| Net interest margin | 3.7035% | 2,746 |
| Noninterest income to average assets | 1.1801% | 738 |
| Noninterest expense to average assets | 3.0915% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9653% | 2,706 |
| Return on assets (ROA) | 0.9653% | 2,762 |
| Pretax return on assets | 1.4794% | 1,846 |
| Return on Equity (ROE) | 10.5618% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.1319% | 2,794 |
| Net charge-offs to loans | 0.0989% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 20.6867% | 1,938 |
| Efficiency ratio | 67.6336% | 2,941 |
| Assets per employee ($millions) | 3.7433% | 4,390 |
| Cash dividends to net income (ytd only)* | 51.4106% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 1,024 |
| Loan loss allowance to noncurrent loans | 321.9158% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,494 |
| Noncurrent loans to loans | 0.5298% | 3,109 |
| Net loans and leases to total assets | 71.1464% | 2,385 |
| Net loans and leases to deposits | 79.7882% | 2,991 |
| Net loans and leases to core deposits | 81.5141% | 3,325 |
| Total domestic deposits to total assets | 89.1690% | 798 |
| Equity capital to assets | 9.1339% | 4,794 |
| Core capital (leverage) ratio | 9.1513% | 4,563 |
| Tier 1 risk-based capital ratio | 11.4502% | 4,986 |
| Total risk-based capital ratio | 12.7043% | 4,877 |
| Memoranda: | ||
| Average total assets | $523,877,000 | 1,351 |
| Average earning assets | $479,645,750 | 1,367 |
| Average equity | $47,882,000 | 1,589 |
| Average total loans | $379,000,000 | 1,297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,343 |
| Cost of funding earning assets | 0.2870% | 4,220 |
| Net interest margin | 3.6746% | 2,742 |
| Noninterest income to average assets | 1.1734% | 737 |
| Noninterest expense to average assets | 3.1413% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9240% | 2,786 |
| Return on assets (ROA) | 0.9240% | 2,842 |
| Pretax return on assets | 1.3935% | 2,049 |
| Return on Equity (ROE) | 10.1073% | 1,990 |
| Retained earnings to average equity (ytd only) | 3.9932% | 3,330 |
| Net charge-offs to loans | 0.0496% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 38.8710% | 1,270 |
| Efficiency ratio | 69.2707% | 2,807 |
| Assets per employee ($millions) | 3.8883% | 4,146 |
| Cash dividends to net income (ytd only)* | 60.4923% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7828% | 918 |
| Loan loss allowance to noncurrent loans | 282.3772% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 3,251 |
| Noncurrent loans to loans | 0.6314% | 2,835 |
| Net loans and leases to total assets | 72.3446% | 2,144 |
| Net loans and leases to deposits | 81.6269% | 2,734 |
| Net loans and leases to core deposits | 83.7710% | 3,095 |
| Total domestic deposits to total assets | 88.6284% | 1,141 |
| Equity capital to assets | 9.2809% | 4,643 |
| Core capital (leverage) ratio | 9.2374% | 4,449 |
| Tier 1 risk-based capital ratio | 11.4478% | 4,991 |
| Total risk-based capital ratio | 12.7030% | 4,883 |
| Memoranda: | ||
| Average total assets | $518,823,330 | 1,369 |
| Average earning assets | $474,608,330 | 1,386 |
| Average equity | $47,431,000 | 1,605 |
| Average total loans | $375,280,000 | 1,314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 3,395 |
| Cost of funding earning assets | 0.2825% | 4,230 |
| Net interest margin | 3.6194% | 2,819 |
| Noninterest income to average assets | 1.0848% | 847 |
| Noninterest expense to average assets | 3.0889% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8684% | 2,909 |
| Return on assets (ROA) | 0.8684% | 2,963 |
| Pretax return on assets | 1.3019% | 2,229 |
| Return on Equity (ROE) | 9.5724% | 2,157 |
| Retained earnings to average equity (ytd only) | -0.6472% | 5,022 |
| Net charge-offs to loans | 0.0906% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.0595% | 1,501 |
| Efficiency ratio | 70.3502% | 2,836 |
| Assets per employee ($millions) | 3.7227% | 4,462 |
| Cash dividends to net income (ytd only)* | 106.7616% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 955 |
| Loan loss allowance to noncurrent loans | 232.9480% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 2,993 |
| Noncurrent loans to loans | 0.7736% | 2,531 |
| Net loans and leases to total assets | 71.1269% | 2,196 |
| Net loans and leases to deposits | 80.1450% | 2,734 |
| Net loans and leases to core deposits | 82.3649% | 3,058 |
| Total domestic deposits to total assets | 88.7478% | 1,291 |
| Equity capital to assets | 8.9635% | 4,840 |
| Core capital (leverage) ratio | 9.0535% | 4,675 |
| Tier 1 risk-based capital ratio | 11.1745% | 5,217 |
| Total risk-based capital ratio | 12.4302% | 5,110 |
| Memoranda: | ||
| Average total assets | $517,721,500 | 1,372 |
| Average earning assets | $472,892,500 | 1,399 |
| Average equity | $46,968,500 | 1,615 |
| Average total loans | $371,031,500 | 1,329 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,806 |
| Cost of funding earning assets | 0.2846% | 4,214 |
| Net interest margin | 3.5451% | 3,269 |
| Noninterest income to average assets | 1.2056% | 781 |
| Noninterest expense to average assets | 3.1315% | 1,945 |
| Loan and lease loss provision to assets | 0.0792% | 2,783 |
| Net operating income to assets | 0.7798% | 3,405 |
| Return on assets (ROA) | 0.7798% | 3,509 |
| Pretax return on assets | 1.2161% | 2,604 |
| Return on Equity (ROE) | 8.4193% | 2,728 |
| Retained earnings to average equity (ytd only) | 3.1869% | 3,644 |
| Net charge-offs to loans | -0.1548% | 5,690 |
| Credit loss provision to net charge-offs | -73.9372% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7392% | 2,788 |
| Assets per employee ($millions) | 3.6209% | 4,581 |
| Cash dividends to net income (ytd only)* | 62.1478% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 780 |
| Loan loss allowance to noncurrent loans | 279.1868% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,313 |
| Noncurrent loans to loans | 0.6864% | 2,819 |
| Net loans and leases to total assets | 69.5205% | 2,549 |
| Net loans and leases to deposits | 78.5813% | 3,033 |
| Net loans and leases to core deposits | 79.7364% | 3,415 |
| Total domestic deposits to total assets | 88.4695% | 1,391 |
| Equity capital to assets | 9.1838% | 4,597 |
| Core capital (leverage) ratio | 9.3391% | 4,299 |
| Tier 1 risk-based capital ratio | 11.6584% | 4,950 |
| Total risk-based capital ratio | 12.9157% | 4,852 |
| Memoranda: | ||
| Average total assets | $505,126,800 | 1,358 |
| Average earning assets | $458,969,400 | 1,391 |
| Average equity | $46,785,400 | 1,616 |
| Average total loans | $349,388,000 | 1,344 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,861 |
| Cost of funding earning assets | 0.2857% | 4,245 |
| Net interest margin | 3.5365% | 3,336 |
| Noninterest income to average assets | 1.2167% | 780 |
| Noninterest expense to average assets | 3.1371% | 1,936 |
| Loan and lease loss provision to assets | 0.1059% | 2,165 |
| Net operating income to assets | 0.7469% | 3,620 |
| Return on assets (ROA) | 0.7469% | 3,748 |
| Pretax return on assets | 1.1846% | 2,891 |
| Return on Equity (ROE) | 8.0466% | 2,979 |
| Retained earnings to average equity (ytd only) | 1.9218% | 4,720 |
| Net charge-offs to loans | -0.2892% | 5,833 |
| Credit loss provision to net charge-offs | -53.2623% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8530% | 2,768 |
| Assets per employee ($millions) | 3.5801% | 4,671 |
| Cash dividends to net income (ytd only)* | 76.1163% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 682 |
| Loan loss allowance to noncurrent loans | 272.5019% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,417 |
| Noncurrent loans to loans | 0.7477% | 2,803 |
| Net loans and leases to total assets | 66.6332% | 3,014 |
| Net loans and leases to deposits | 74.9427% | 3,507 |
| Net loans and leases to core deposits | 76.5506% | 3,785 |
| Total domestic deposits to total assets | 88.9123% | 951 |
| Equity capital to assets | 9.0799% | 5,096 |
| Core capital (leverage) ratio | 8.9020% | 4,940 |
| Tier 1 risk-based capital ratio | 11.4832% | 5,096 |
| Total risk-based capital ratio | 12.7404% | 5,004 |
| Memoranda: | ||
| Average total assets | $503,771,250 | 1,368 |
| Average earning assets | $457,389,500 | 1,400 |
| Average equity | $46,759,750 | 1,623 |
| Average total loans | $346,267,250 | 1,352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 3,991 |
| Cost of funding earning assets | 0.2845% | 4,299 |
| Net interest margin | 3.5048% | 3,476 |
| Noninterest income to average assets | 1.2336% | 746 |
| Noninterest expense to average assets | 3.1429% | 1,947 |
| Loan and lease loss provision to assets | 0.1600% | 1,421 |
| Net operating income to assets | 0.6850% | 3,873 |
| Return on assets (ROA) | 0.6850% | 4,017 |
| Pretax return on assets | 1.1147% | 3,139 |
| Return on Equity (ROE) | 7.3252% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.4211% | 2,472 |
| Net charge-offs to loans | -0.1694% | 5,775 |
| Credit loss provision to net charge-offs | -136.9863% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1439% | 2,796 |
| Assets per employee ($millions) | 3.4508% | 4,835 |
| Cash dividends to net income (ytd only)* | 25.9930% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 872 |
| Loan loss allowance to noncurrent loans | 250.2246% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 3,451 |
| Noncurrent loans to loans | 0.7646% | 2,832 |
| Net loans and leases to total assets | 67.5732% | 2,848 |
| Net loans and leases to deposits | 77.2416% | 3,238 |
| Net loans and leases to core deposits | 79.3178% | 3,521 |
| Total domestic deposits to total assets | 87.4829% | 1,675 |
| Equity capital to assets | 9.3576% | 4,911 |
| Core capital (leverage) ratio | 9.3244% | 4,424 |
| Tier 1 risk-based capital ratio | 11.9169% | 4,883 |
| Total risk-based capital ratio | 13.1732% | 4,788 |
| Memoranda: | ||
| Average total assets | $499,850,330 | 1,386 |
| Average earning assets | $454,115,000 | 1,414 |
| Average equity | $46,743,000 | 1,622 |
| Average total loans | $344,802,330 | 1,357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,037 |
| Cost of funding earning assets | 0.2848% | 4,335 |
| Net interest margin | 3.4907% | 3,506 |
| Noninterest income to average assets | 1.2367% | 710 |
| Noninterest expense to average assets | 3.1072% | 2,077 |
| Loan and lease loss provision to assets | 0.2419% | 744 |
| Net operating income to assets | 0.6651% | 3,902 |
| Return on assets (ROA) | 0.6651% | 4,023 |
| Pretax return on assets | 1.0602% | 3,243 |
| Return on Equity (ROE) | 7.1151% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.7442% | 2,012 |
| Net charge-offs to loans | 0.0012% | 3,077 |
| Credit loss provision to net charge-offs | 30,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,615.0000% | 20 |
| Efficiency ratio | 70.4699% | 3,044 |
| Assets per employee ($millions) | 3.5418% | 4,753 |
| Cash dividends to net income (ytd only)* | 5.2121% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 1,130 |
| Loan loss allowance to noncurrent loans | 121.2992% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 1,984 |
| Noncurrent loans to loans | 1.4938% | 1,574 |
| Net loans and leases to total assets | 67.8038% | 2,674 |
| Net loans and leases to deposits | 76.9199% | 3,117 |
| Net loans and leases to core deposits | 78.8869% | 3,417 |
| Total domestic deposits to total assets | 88.1486% | 1,564 |
| Equity capital to assets | 9.3209% | 4,869 |
| Core capital (leverage) ratio | 9.4602% | 4,259 |
| Tier 1 risk-based capital ratio | 11.5843% | 5,181 |
| Total risk-based capital ratio | 12.8392% | 5,084 |
| Memoranda: | ||
| Average total assets | $496,142,500 | 1,392 |
| Average earning assets | $450,909,000 | 1,420 |
| Average equity | $46,380,500 | 1,624 |
| Average total loans | $342,472,500 | 1,356 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,244 |
| Cost of funding earning assets | 0.2907% | 4,361 |
| Net interest margin | 3.4463% | 3,737 |
| Noninterest income to average assets | 1.2700% | 740 |
| Noninterest expense to average assets | 3.2392% | 1,864 |
| Loan and lease loss provision to assets | 0.2607% | 718 |
| Net operating income to assets | 0.6966% | 3,828 |
| Return on assets (ROA) | 0.7003% | 3,913 |
| Pretax return on assets | 0.8968% | 3,851 |
| Return on Equity (ROE) | 7.5349% | 3,232 |
| Retained earnings to average equity (ytd only) | 1.4894% | 4,872 |
| Net charge-offs to loans | 0.4253% | 662 |
| Credit loss provision to net charge-offs | 89.8520% | 2,762 |
| Earnings coverage of net charge-offs (x) | 3.9732% | 3,627 |
| Efficiency ratio | 73.7523% | 2,620 |
| Assets per employee ($millions) | 3.3748% | 5,033 |
| Cash dividends to net income (ytd only)* | 80.2336% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 1,183 |
| Loan loss allowance to noncurrent loans | 116.6829% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 1,837 |
| Noncurrent loans to loans | 1.5214% | 1,528 |
| Net loans and leases to total assets | 67.7734% | 2,733 |
| Net loans and leases to deposits | 76.7701% | 3,177 |
| Net loans and leases to core deposits | 77.9503% | 3,551 |
| Total domestic deposits to total assets | 88.2810% | 1,484 |
| Equity capital to assets | 9.3763% | 4,701 |
| Core capital (leverage) ratio | 9.4327% | 4,275 |
| Tier 1 risk-based capital ratio | 12.1439% | 4,860 |
| Total risk-based capital ratio | 13.3997% | 4,762 |
| Memoranda: | ||
| Average total assets | $489,071,200 | 1,379 |
| Average earning assets | $443,052,000 | 1,401 |
| Average equity | $45,455,200 | 1,621 |
| Average total loans | $333,623,800 | 1,338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,315 |
| Cost of funding earning assets | 0.2930% | 4,417 |
| Net interest margin | 3.4410% | 3,792 |
| Noninterest income to average assets | 1.2640% | 757 |
| Noninterest expense to average assets | 3.2005% | 1,960 |
| Loan and lease loss provision to assets | 0.3067% | 466 |
| Net operating income to assets | 0.7369% | 3,739 |
| Return on assets (ROA) | 0.7422% | 3,813 |
| Pretax return on assets | 0.8785% | 4,055 |
| Return on Equity (ROE) | 8.0030% | 3,064 |
| Retained earnings to average equity (ytd only) | 1.4789% | 5,126 |
| Net charge-offs to loans | 0.3704% | 701 |
| Credit loss provision to net charge-offs | 121.7532% | 1,957 |
| Earnings coverage of net charge-offs (x) | 4.6797% | 3,314 |
| Efficiency ratio | 73.0793% | 2,704 |
| Assets per employee ($millions) | 3.3282% | 5,084 |
| Cash dividends to net income (ytd only)* | 81.5209% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 1,038 |
| Loan loss allowance to noncurrent loans | 113.1964% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 1,763 |
| Noncurrent loans to loans | 1.6924% | 1,432 |
| Net loans and leases to total assets | 66.7930% | 2,879 |
| Net loans and leases to deposits | 75.1914% | 3,405 |
| Net loans and leases to core deposits | 76.8298% | 3,709 |
| Total domestic deposits to total assets | 88.8306% | 1,113 |
| Equity capital to assets | 9.4413% | 4,824 |
| Core capital (leverage) ratio | 8.7610% | 5,288 |
| Tier 1 risk-based capital ratio | 11.7404% | 5,241 |
| Total risk-based capital ratio | 13.0022% | 5,157 |
| Memoranda: | ||
| Average total assets | $489,001,500 | 1,381 |
| Average earning assets | $442,728,500 | 1,405 |
| Average equity | $45,348,250 | 1,635 |
| Average total loans | $332,619,000 | 1,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,462 |
| Cost of funding earning assets | 0.2933% | 4,463 |
| Net interest margin | 3.3875% | 3,944 |
| Noninterest income to average assets | 1.2681% | 759 |
| Noninterest expense to average assets | 3.1745% | 2,051 |
| Loan and lease loss provision to assets | 0.3265% | 427 |
| Net operating income to assets | 0.7865% | 3,452 |
| Return on assets (ROA) | 0.7955% | 3,504 |
| Pretax return on assets | 0.8399% | 4,163 |
| Return on Equity (ROE) | 8.6292% | 2,735 |
| Retained earnings to average equity (ytd only) | 2.2713% | 4,579 |
| Net charge-offs to loans | 0.3590% | 728 |
| Credit loss provision to net charge-offs | 133.7793% | 1,662 |
| Earnings coverage of net charge-offs (x) | 4.7408% | 3,002 |
| Efficiency ratio | 73.2875% | 2,786 |
| Assets per employee ($millions) | 3.3878% | 5,004 |
| Cash dividends to net income (ytd only)* | 73.6788% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 1,287 |
| Loan loss allowance to noncurrent loans | 77.7342% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 1,350 |
| Noncurrent loans to loans | 2.3717% | 975 |
| Net loans and leases to total assets | 68.2443% | 2,608 |
| Net loans and leases to deposits | 77.0483% | 3,154 |
| Net loans and leases to core deposits | 79.3573% | 3,458 |
| Total domestic deposits to total assets | 88.5734% | 1,373 |
| Equity capital to assets | 9.2468% | 4,961 |
| Core capital (leverage) ratio | 8.7048% | 5,318 |
| Tier 1 risk-based capital ratio | 11.4493% | 5,499 |
| Total risk-based capital ratio | 12.7103% | 5,409 |
| Memoranda: | ||
| Average total assets | $490,029,330 | 1,389 |
| Average earning assets | $443,157,330 | 1,414 |
| Average equity | $45,172,000 | 1,646 |
| Average total loans | $333,192,670 | 1,351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,545 |
| Cost of funding earning assets | 0.2904% | 4,547 |
| Net interest margin | 3.3556% | 4,000 |
| Noninterest income to average assets | 1.1900% | 803 |
| Noninterest expense to average assets | 3.1361% | 2,170 |
| Loan and lease loss provision to assets | 0.3075% | 461 |
| Net operating income to assets | 0.7598% | 3,486 |
| Return on assets (ROA) | 0.7783% | 3,506 |
| Pretax return on assets | 0.7980% | 4,249 |
| Return on Equity (ROE) | 8.4562% | 2,720 |
| Retained earnings to average equity (ytd only) | -3.9563% | 5,857 |
| Net charge-offs to loans | 0.7528% | 307 |
| Credit loss provision to net charge-offs | 60.7780% | 1,991 |
| Earnings coverage of net charge-offs (x) | 2.1475% | 2,817 |
| Efficiency ratio | 74.2668% | 2,776 |
| Assets per employee ($millions) | 3.5034% | 4,892 |
| Cash dividends to net income (ytd only)* | 146.7861% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 1,518 |
| Loan loss allowance to noncurrent loans | 89.8643% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 1,865 |
| Noncurrent loans to loans | 1.9898% | 1,315 |
| Net loans and leases to total assets | 65.5558% | 2,843 |
| Net loans and leases to deposits | 74.2506% | 3,278 |
| Net loans and leases to core deposits | 76.6670% | 3,524 |
| Total domestic deposits to total assets | 88.2900% | 1,667 |
| Equity capital to assets | 9.0842% | 5,206 |
| Core capital (leverage) ratio | 8.8854% | 5,090 |
| Tier 1 risk-based capital ratio | 12.1510% | 5,152 |
| Total risk-based capital ratio | 13.4106% | 5,046 |
| Memoranda: | ||
| Average total assets | $487,736,000 | 1,398 |
| Average earning assets | $440,812,500 | 1,426 |
| Average equity | $44,890,000 | 1,666 |
| Average total loans | $327,845,500 | 1,367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,864 |
| Cost of funding earning assets | 0.2796% | 5,005 |
| Net interest margin | 3.3958% | 4,215 |
| Noninterest income to average assets | 1.3681% | 654 |
| Noninterest expense to average assets | 3.2982% | 1,932 |
| Loan and lease loss provision to assets | 0.3601% | 523 |
| Net operating income to assets | 0.9813% | 2,475 |
| Return on assets (ROA) | 0.9813% | 2,553 |
| Pretax return on assets | 0.7587% | 4,409 |
| Return on Equity (ROE) | 10.8460% | 1,767 |
| Retained earnings to average equity (ytd only) | 7.3157% | 1,267 |
| Net charge-offs to loans | 0.4269% | 994 |
| Credit loss provision to net charge-offs | 132.7088% | 1,791 |
| Earnings coverage of net charge-offs (x) | 4.1233% | 3,732 |
| Efficiency ratio | 74.6703% | 2,721 |
| Assets per employee ($millions) | 3.3437% | 5,185 |
| Cash dividends to net income (ytd only)* | 32.5491% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 1,349 |
| Loan loss allowance to noncurrent loans | 84.0937% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.6108% | 1,674 |
| Noncurrent loans to loans | 2.2392% | 1,177 |
| Net loans and leases to total assets | 66.4236% | 2,819 |
| Net loans and leases to deposits | 75.5980% | 3,244 |
| Net loans and leases to core deposits | 77.1914% | 3,595 |
| Total domestic deposits to total assets | 87.8642% | 1,840 |
| Equity capital to assets | 9.3264% | 4,935 |
| Core capital (leverage) ratio | 9.0585% | 4,893 |
| Tier 1 risk-based capital ratio | 12.3563% | 5,125 |
| Total risk-based capital ratio | 13.6130% | 5,039 |
| Memoranda: | ||
| Average total assets | $472,106,000 | 1,414 |
| Average earning assets | $423,878,000 | 1,446 |
| Average equity | $42,716,200 | 1,685 |
| Average total loans | $300,078,400 | 1,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,874 |
| Cost of funding earning assets | 0.2778% | 5,124 |
| Net interest margin | 3.4189% | 4,153 |
| Noninterest income to average assets | 1.2707% | 751 |
| Noninterest expense to average assets | 3.2796% | 1,949 |
| Loan and lease loss provision to assets | 0.3406% | 528 |
| Net operating income to assets | 0.7025% | 3,927 |
| Return on assets (ROA) | 0.7025% | 4,028 |
| Pretax return on assets | 0.7178% | 4,645 |
| Return on Equity (ROE) | 7.8255% | 3,299 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,050 |
| Net charge-offs to loans | 0.3987% | 995 |
| Credit loss provision to net charge-offs | 136.6743% | 1,707 |
| Earnings coverage of net charge-offs (x) | 4.2471% | 3,501 |
| Efficiency ratio | 75.6019% | 2,559 |
| Assets per employee ($millions) | 3.4187% | 5,020 |
| Cash dividends to net income (ytd only)* | 35.5151% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 1,053 |
| Loan loss allowance to noncurrent loans | 76.1215% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 1,658 |
| Noncurrent loans to loans | 2.7920% | 996 |
| Net loans and leases to total assets | 57.7125% | 4,114 |
| Net loans and leases to deposits | 65.0129% | 4,430 |
| Net loans and leases to core deposits | 66.8879% | 4,617 |
| Total domestic deposits to total assets | 88.7709% | 1,367 |
| Equity capital to assets | 8.9436% | 5,415 |
| Core capital (leverage) ratio | 8.8104% | 5,325 |
| Tier 1 risk-based capital ratio | 13.7427% | 4,392 |
| Total risk-based capital ratio | 15.0020% | 4,319 |
| Memoranda: | ||
| Average total assets | $469,759,250 | 1,435 |
| Average earning assets | $421,456,250 | 1,462 |
| Average equity | $42,168,750 | 1,714 |
| Average total loans | $293,607,250 | 1,463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,549 |
| Cost of funding earning assets | 0.2792% | 5,201 |
| Net interest margin | 3.5143% | 3,723 |
| Noninterest income to average assets | 1.2739% | 729 |
| Noninterest expense to average assets | 3.3028% | 1,914 |
| Loan and lease loss provision to assets | 0.3758% | 461 |
| Net operating income to assets | 0.7211% | 3,726 |
| Return on assets (ROA) | 0.7211% | 3,824 |
| Pretax return on assets | 0.7362% | 4,512 |
| Return on Equity (ROE) | 8.0231% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.9396% | 2,356 |
| Net charge-offs to loans | 0.5129% | 793 |
| Credit loss provision to net charge-offs | 114.9803% | 1,764 |
| Earnings coverage of net charge-offs (x) | 3.4021% | 3,316 |
| Efficiency ratio | 74.8127% | 2,836 |
| Assets per employee ($millions) | 3.2953% | 5,256 |
| Cash dividends to net income (ytd only)* | 25.9678% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0246% | 1,317 |
| Loan loss allowance to noncurrent loans | 108.9466% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 2,288 |
| Noncurrent loans to loans | 1.8584% | 1,848 |
| Net loans and leases to total assets | 60.7497% | 3,600 |
| Net loans and leases to deposits | 69.1371% | 3,921 |
| Net loans and leases to core deposits | 71.5801% | 4,088 |
| Total domestic deposits to total assets | 87.8683% | 1,988 |
| Equity capital to assets | 9.2038% | 5,099 |
| Core capital (leverage) ratio | 8.9661% | 5,069 |
| Tier 1 risk-based capital ratio | 13.4680% | 4,604 |
| Total risk-based capital ratio | 14.7260% | 4,539 |
| Memoranda: | ||
| Average total assets | $465,665,330 | 1,445 |
| Average earning assets | $416,183,000 | 1,478 |
| Average equity | $41,854,330 | 1,717 |
| Average total loans | $296,730,000 | 1,447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 4,559 |
| Cost of funding earning assets | 0.2806% | 5,281 |
| Net interest margin | 3.5027% | 3,678 |
| Noninterest income to average assets | 1.2201% | 743 |
| Noninterest expense to average assets | 3.2159% | 2,178 |
| Loan and lease loss provision to assets | 0.4290% | 384 |
| Net operating income to assets | 0.6933% | 3,721 |
| Return on assets (ROA) | 0.6933% | 3,800 |
| Pretax return on assets | 0.7027% | 4,478 |
| Return on Equity (ROE) | 7.8070% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.9084% | 2,084 |
| Net charge-offs to loans | 0.9274% | 377 |
| Credit loss provision to net charge-offs | 71.6332% | 1,981 |
| Earnings coverage of net charge-offs (x) | 1.8897% | 2,999 |
| Efficiency ratio | 73.9688% | 3,150 |
| Assets per employee ($millions) | 3.2384% | 5,468 |
| Cash dividends to net income (ytd only)* | 11.5099% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 1,990 |
| Loan loss allowance to noncurrent loans | 92.3553% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 2,036 |
| Noncurrent loans to loans | 1.9656% | 1,909 |
| Net loans and leases to total assets | 63.5936% | 2,965 |
| Net loans and leases to deposits | 71.3515% | 3,425 |
| Net loans and leases to core deposits | 73.8849% | 3,658 |
| Total domestic deposits to total assets | 89.1273% | 1,571 |
| Equity capital to assets | 8.9192% | 5,204 |
| Core capital (leverage) ratio | 8.9877% | 5,030 |
| Tier 1 risk-based capital ratio | 12.6739% | 5,207 |
| Total risk-based capital ratio | 13.9298% | 5,137 |
| Memoranda: | ||
| Average total assets | $466,176,500 | 1,444 |
| Average earning assets | $416,253,500 | 1,487 |
| Average equity | $41,399,000 | 1,727 |
| Average total loans | $301,044,000 | 1,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 4,263 |
| Cost of funding earning assets | 0.3189% | 5,431 |
| Net interest margin | 3.6357% | 3,306 |
| Noninterest income to average assets | 1.1483% | 1,068 |
| Noninterest expense to average assets | 3.5580% | 1,531 |
| Loan and lease loss provision to assets | 0.5353% | 504 |
| Net operating income to assets | 0.3535% | 5,322 |
| Return on assets (ROA) | 0.4139% | 5,212 |
| Pretax return on assets | 0.3544% | 5,596 |
| Return on Equity (ROE) | 4.7195% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.0104% | 4,095 |
| Net charge-offs to loans | 1.1458% | 474 |
| Credit loss provision to net charge-offs | 74.3605% | 3,186 |
| Earnings coverage of net charge-offs (x) | 1.1520% | 4,688 |
| Efficiency ratio | 81.0981% | 2,012 |
| Assets per employee ($millions) | 3.1916% | 5,506 |
| Cash dividends to net income (ytd only)* | 36.2131% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9194% | 1,738 |
| Loan loss allowance to noncurrent loans | 76.8476% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3544% | 1,477 |
| Noncurrent loans to loans | 2.4977% | 1,513 |
| Net loans and leases to total assets | 63.1465% | 3,190 |
| Net loans and leases to deposits | 70.6456% | 3,711 |
| Net loans and leases to core deposits | 72.3825% | 4,021 |
| Total domestic deposits to total assets | 89.3849% | 1,390 |
| Equity capital to assets | 8.8413% | 5,213 |
| Core capital (leverage) ratio | 8.9268% | 5,112 |
| Tier 1 risk-based capital ratio | 12.7186% | 5,162 |
| Total risk-based capital ratio | 13.9756% | 5,103 |
| Memoranda: | ||
| Average total assets | $467,028,400 | 1,416 |
| Average earning assets | $416,068,200 | 1,463 |
| Average equity | $40,958,000 | 1,707 |
| Average total loans | $293,408,200 | 1,446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 4,256 |
| Cost of funding earning assets | 0.3284% | 5,479 |
| Net interest margin | 3.6378% | 3,288 |
| Noninterest income to average assets | 1.0194% | 1,400 |
| Noninterest expense to average assets | 3.5152% | 1,582 |
| Loan and lease loss provision to assets | 0.5198% | 523 |
| Net operating income to assets | 0.2119% | 5,882 |
| Return on assets (ROA) | 0.2883% | 5,765 |
| Pretax return on assets | 0.3025% | 5,871 |
| Return on Equity (ROE) | 3.2935% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.2953% | 5,466 |
| Net charge-offs to loans | 0.2879% | 2,094 |
| Credit loss provision to net charge-offs | 289.2235% | 880 |
| Earnings coverage of net charge-offs (x) | 4.1284% | 3,532 |
| Efficiency ratio | 82.5706% | 1,745 |
| Assets per employee ($millions) | 3.0787% | 5,717 |
| Cash dividends to net income (ytd only)* | 60.6722% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5462% | 891 |
| Loan loss allowance to noncurrent loans | 63.3401% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 3.0201% | 1,224 |
| Noncurrent loans to loans | 4.0198% | 868 |
| Net loans and leases to total assets | 64.8720% | 2,828 |
| Net loans and leases to deposits | 72.1951% | 3,486 |
| Net loans and leases to core deposits | 74.6091% | 3,773 |
| Total domestic deposits to total assets | 89.8565% | 1,082 |
| Equity capital to assets | 8.6986% | 5,522 |
| Core capital (leverage) ratio | 8.5677% | 5,701 |
| Tier 1 risk-based capital ratio | 12.2070% | 5,640 |
| Total risk-based capital ratio | 13.4713% | 5,559 |
| Memoranda: | ||
| Average total assets | $468,089,500 | 1,417 |
| Average earning assets | $416,610,250 | 1,470 |
| Average equity | $40,968,500 | 1,718 |
| Average total loans | $292,272,500 | 1,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 4,767 |
| Cost of funding earning assets | 0.3393% | 5,492 |
| Net interest margin | 3.4780% | 3,883 |
| Noninterest income to average assets | 1.0297% | 1,439 |
| Noninterest expense to average assets | 3.5182% | 1,566 |
| Loan and lease loss provision to assets | 0.4881% | 572 |
| Net operating income to assets | 0.1142% | 6,102 |
| Return on assets (ROA) | 0.2279% | 5,951 |
| Pretax return on assets | 0.2411% | 6,018 |
| Return on Equity (ROE) | 2.5990% | 5,760 |
| Retained earnings to average equity (ytd only) | -0.3727% | 5,928 |
| Net charge-offs to loans | 0.2841% | 2,063 |
| Credit loss provision to net charge-offs | 281.1736% | 912 |
| Earnings coverage of net charge-offs (x) | 3.5110% | 3,373 |
| Efficiency ratio | 85.2339% | 1,496 |
| Assets per employee ($millions) | 3.0708% | 5,729 |
| Cash dividends to net income (ytd only)* | 114.3389% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4683% | 1,018 |
| Loan loss allowance to noncurrent loans | 57.3690% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.4466% | 1,125 |
| Noncurrent loans to loans | 4.3026% | 848 |
| Net loans and leases to total assets | 61.9842% | 3,287 |
| Net loans and leases to deposits | 69.2934% | 3,819 |
| Net loans and leases to core deposits | 71.9786% | 4,044 |
| Total domestic deposits to total assets | 89.4519% | 1,351 |
| Equity capital to assets | 8.6129% | 5,655 |
| Core capital (leverage) ratio | 8.3297% | 5,849 |
| Tier 1 risk-based capital ratio | 12.0942% | 5,738 |
| Total risk-based capital ratio | 13.3570% | 5,680 |
| Memoranda: | ||
| Average total assets | $471,210,000 | 1,407 |
| Average earning assets | $419,723,330 | 1,458 |
| Average equity | $41,323,670 | 1,710 |
| Average total loans | $287,909,670 | 1,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 5,143 |
| Cost of funding earning assets | 0.3496% | 5,534 |
| Net interest margin | 3.3546% | 4,294 |
| Noninterest income to average assets | 1.1110% | 1,205 |
| Noninterest expense to average assets | 3.3762% | 1,882 |
| Loan and lease loss provision to assets | 0.4858% | 553 |
| Net operating income to assets | 0.2298% | 5,791 |
| Return on assets (ROA) | 0.2298% | 5,918 |
| Pretax return on assets | 0.2408% | 5,988 |
| Return on Equity (ROE) | 2.5976% | 5,739 |
| Retained earnings to average equity (ytd only) | -1.7094% | 6,045 |
| Net charge-offs to loans | 0.2342% | 2,032 |
| Credit loss provision to net charge-offs | 346.3855% | 709 |
| Earnings coverage of net charge-offs (x) | 5.1807% | 2,399 |
| Efficiency ratio | 82.2900% | 2,002 |
| Assets per employee ($millions) | 3.0683% | 5,877 |
| Cash dividends to net income (ytd only)* | 165.8088% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4885% | 1,132 |
| Loan loss allowance to noncurrent loans | 51.7241% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7267% | 1,113 |
| Noncurrent loans to loans | 4.8112% | 812 |
| Net loans and leases to total assets | 58.3454% | 3,730 |
| Net loans and leases to deposits | 65.5068% | 4,121 |
| Net loans and leases to core deposits | 68.0941% | 4,293 |
| Total domestic deposits to total assets | 89.0677% | 1,648 |
| Equity capital to assets | 8.8884% | 5,626 |
| Core capital (leverage) ratio | 8.4614% | 5,636 |
| Tier 1 risk-based capital ratio | 12.6302% | 5,489 |
| Total risk-based capital ratio | 13.8929% | 5,431 |
| Memoranda: | ||
| Average total assets | $473,437,000 | 1,416 |
| Average earning assets | $422,220,000 | 1,464 |
| Average equity | $41,885,000 | 1,710 |
| Average total loans | $283,546,000 | 1,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 5,232 |
| Cost of funding earning assets | 0.4811% | 5,342 |
| Net interest margin | 3.5410% | 4,337 |
| Noninterest income to average assets | 1.2551% | 991 |
| Noninterest expense to average assets | 3.6312% | 1,541 |
| Loan and lease loss provision to assets | 0.3711% | 1,765 |
| Net operating income to assets | 0.4387% | 4,932 |
| Return on assets (ROA) | 0.4983% | 4,946 |
| Pretax return on assets | 0.4413% | 5,450 |
| Return on Equity (ROE) | 5.7176% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.5230% | 3,043 |
| Net charge-offs to loans | 1.4500% | 629 |
| Credit loss provision to net charge-offs | 41.8760% | 4,897 |
| Earnings coverage of net charge-offs (x) | 0.8495% | 5,051 |
| Efficiency ratio | 82.8295% | 1,768 |
| Assets per employee ($millions) | 3.0410% | 5,952 |
| Cash dividends to net income (ytd only)* | 20.8936% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2994% | 1,372 |
| Loan loss allowance to noncurrent loans | 53.7619% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 1,404 |
| Noncurrent loans to loans | 4.2770% | 1,036 |
| Net loans and leases to total assets | 58.5682% | 3,867 |
| Net loans and leases to deposits | 65.4662% | 4,364 |
| Net loans and leases to core deposits | 67.2175% | 4,623 |
| Total domestic deposits to total assets | 89.4632% | 1,270 |
| Equity capital to assets | 8.8063% | 5,741 |
| Core capital (leverage) ratio | 8.5252% | 5,575 |
| Tier 1 risk-based capital ratio | 12.5706% | 5,427 |
| Total risk-based capital ratio | 13.8312% | 5,365 |
| Memoranda: | ||
| Average total assets | $471,607,600 | 1,403 |
| Average earning assets | $416,712,600 | 1,447 |
| Average equity | $41,101,400 | 1,699 |
| Average total loans | $288,212,000 | 1,457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 5,354 |
| Cost of funding earning assets | 0.5114% | 5,361 |
| Net interest margin | 3.5403% | 4,492 |
| Noninterest income to average assets | 1.2679% | 918 |
| Noninterest expense to average assets | 3.6421% | 1,470 |
| Loan and lease loss provision to assets | 0.2978% | 2,209 |
| Net operating income to assets | 0.4418% | 5,070 |
| Return on assets (ROA) | 0.4418% | 5,309 |
| Pretax return on assets | 0.4512% | 5,594 |
| Return on Equity (ROE) | 5.0832% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.0163% | 4,062 |
| Net charge-offs to loans | 0.4406% | 2,343 |
| Credit loss provision to net charge-offs | 110.0629% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.7683% | 3,930 |
| Efficiency ratio | 82.9437% | 1,706 |
| Assets per employee ($millions) | 2.9373% | 6,155 |
| Cash dividends to net income (ytd only)* | 20.9885% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1248% | 642 |
| Loan loss allowance to noncurrent loans | 76.9218% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 3.6291% | 1,373 |
| Noncurrent loans to loans | 4.0623% | 1,249 |
| Net loans and leases to total assets | 60.4466% | 3,683 |
| Net loans and leases to deposits | 67.4209% | 4,269 |
| Net loans and leases to core deposits | 69.6918% | 4,537 |
| Total domestic deposits to total assets | 89.6556% | 1,044 |
| Equity capital to assets | 8.9285% | 5,895 |
| Core capital (leverage) ratio | 8.2771% | 6,052 |
| Tier 1 risk-based capital ratio | 12.2889% | 5,776 |
| Total risk-based capital ratio | 13.5590% | 5,732 |
| Memoranda: | ||
| Average total assets | $470,152,000 | 1,423 |
| Average earning assets | $414,758,500 | 1,470 |
| Average equity | $40,865,750 | 1,723 |
| Average total loans | $288,714,250 | 1,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 5,443 |
| Cost of funding earning assets | 0.5411% | 5,366 |
| Net interest margin | 3.5226% | 4,584 |
| Noninterest income to average assets | 1.2844% | 861 |
| Noninterest expense to average assets | 3.7072% | 1,353 |
| Loan and lease loss provision to assets | 0.2547% | 2,542 |
| Net operating income to assets | 0.4134% | 5,170 |
| Return on assets (ROA) | 0.4134% | 5,399 |
| Pretax return on assets | 0.4228% | 5,651 |
| Return on Equity (ROE) | 4.7994% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.9963% | 3,951 |
| Net charge-offs to loans | 0.3058% | 2,809 |
| Credit loss provision to net charge-offs | 136.3636% | 2,014 |
| Earnings coverage of net charge-offs (x) | 3.6273% | 3,322 |
| Efficiency ratio | 84.5499% | 1,580 |
| Assets per employee ($millions) | 2.9314% | 6,182 |
| Cash dividends to net income (ytd only)* | 16.7351% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2056% | 638 |
| Loan loss allowance to noncurrent loans | 87.7680% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 3.3724% | 1,595 |
| Noncurrent loans to loans | 3.6523% | 1,564 |
| Net loans and leases to total assets | 58.6697% | 4,050 |
| Net loans and leases to deposits | 65.4562% | 4,582 |
| Net loans and leases to core deposits | 67.8920% | 4,800 |
| Total domestic deposits to total assets | 89.6320% | 1,142 |
| Equity capital to assets | 8.7167% | 6,007 |
| Core capital (leverage) ratio | 8.2806% | 5,943 |
| Tier 1 risk-based capital ratio | 12.2287% | 5,767 |
| Total risk-based capital ratio | 13.4994% | 5,734 |
| Memoranda: | ||
| Average total assets | $471,191,000 | 1,422 |
| Average earning assets | $414,695,000 | 1,468 |
| Average equity | $40,588,000 | 1,718 |
| Average total loans | $287,814,670 | 1,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 5,668 |
| Cost of funding earning assets | 0.5723% | 5,341 |
| Net interest margin | 3.4586% | 4,881 |
| Noninterest income to average assets | 1.3211% | 816 |
| Noninterest expense to average assets | 3.6601% | 1,450 |
| Loan and lease loss provision to assets | 0.2549% | 2,414 |
| Net operating income to assets | 0.4426% | 5,068 |
| Return on assets (ROA) | 0.4426% | 5,257 |
| Pretax return on assets | 0.4511% | 5,579 |
| Return on Equity (ROE) | 5.1696% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.1696% | 3,461 |
| Net charge-offs to loans | 0.4281% | 2,027 |
| Credit loss provision to net charge-offs | 97.0874% | 2,421 |
| Earnings coverage of net charge-offs (x) | 2.6893% | 3,109 |
| Efficiency ratio | 83.8295% | 1,709 |
| Assets per employee ($millions) | 2.9117% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 746 |
| Loan loss allowance to noncurrent loans | 76.2797% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.5824% | 1,593 |
| Noncurrent loans to loans | 4.0807% | 1,488 |
| Net loans and leases to total assets | 59.3950% | 3,794 |
| Net loans and leases to deposits | 65.9868% | 4,384 |
| Net loans and leases to core deposits | 68.9597% | 4,566 |
| Total domestic deposits to total assets | 90.0105% | 1,080 |
| Equity capital to assets | 8.5891% | 6,001 |
| Core capital (leverage) ratio | 8.2472% | 5,959 |
| Tier 1 risk-based capital ratio | 11.9629% | 5,982 |
| Total risk-based capital ratio | 13.2327% | 5,965 |
| Memoranda: | ||
| Average total assets | $470,809,500 | 1,423 |
| Average earning assets | $414,503,000 | 1,474 |
| Average equity | $40,312,500 | 1,721 |
| Average total loans | $288,690,000 | 1,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 5,960 |
| Cost of funding earning assets | 0.7310% | 5,332 |
| Net interest margin | 3.5032% | 5,135 |
| Noninterest income to average assets | 1.1443% | 1,002 |
| Noninterest expense to average assets | 3.5981% | 1,744 |
| Loan and lease loss provision to assets | 0.8203% | 1,189 |
| Net operating income to assets | -0.1911% | 6,249 |
| Return on assets (ROA) | -0.1179% | 6,250 |
| Pretax return on assets | -0.1213% | 6,222 |
| Return on Equity (ROE) | -1.3544% | 6,282 |
| Retained earnings to average equity (ytd only) | -2.5591% | 6,218 |
| Net charge-offs to loans | 0.9088% | 1,910 |
| Credit loss provision to net charge-offs | 144.3067% | 2,000 |
| Earnings coverage of net charge-offs (x) | 1.0970% | 4,965 |
| Efficiency ratio | 85.2300% | 1,652 |
| Assets per employee ($millions) | 2.9188% | 6,254 |
| Cash dividends to net income (ytd only)* | -88.9493% | 7,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1261% | 728 |
| Loan loss allowance to noncurrent loans | 75.0333% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 3.7791% | 1,533 |
| Noncurrent loans to loans | 4.1663% | 1,477 |
| Net loans and leases to total assets | 59.4151% | 4,106 |
| Net loans and leases to deposits | 65.7725% | 4,768 |
| Net loans and leases to core deposits | 67.3650% | 5,113 |
| Total domestic deposits to total assets | 90.3342% | 796 |
| Equity capital to assets | 8.5356% | 6,098 |
| Core capital (leverage) ratio | 8.1423% | 6,084 |
| Tier 1 risk-based capital ratio | 11.8651% | 5,923 |
| Total risk-based capital ratio | 13.1350% | 5,893 |
| Memoranda: | ||
| Average total assets | $468,139,600 | 1,411 |
| Average earning assets | $411,229,000 | 1,455 |
| Average equity | $40,757,200 | 1,650 |
| Average total loans | $292,816,400 | 1,449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 6,075 |
| Cost of funding earning assets | 0.7601% | 5,403 |
| Net interest margin | 3.4917% | 5,225 |
| Noninterest income to average assets | 1.0853% | 1,142 |
| Noninterest expense to average assets | 3.6222% | 1,665 |
| Loan and lease loss provision to assets | 0.6628% | 1,460 |
| Net operating income to assets | -0.1485% | 6,327 |
| Return on assets (ROA) | -0.0479% | 6,312 |
| Pretax return on assets | -0.0385% | 6,266 |
| Return on Equity (ROE) | -0.5474% | 6,325 |
| Retained earnings to average equity (ytd only) | -1.6129% | 6,249 |
| Net charge-offs to loans | 1.0500% | 1,517 |
| Credit loss provision to net charge-offs | 100.4320% | 3,351 |
| Earnings coverage of net charge-offs (x) | 0.7935% | 5,020 |
| Efficiency ratio | 87.3685% | 1,402 |
| Assets per employee ($millions) | 2.9004% | 6,308 |
| Cash dividends to net income (ytd only)* | -194.6471% | 7,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7121% | 1,119 |
| Loan loss allowance to noncurrent loans | 84.0768% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 3.6928% | 1,694 |
| Noncurrent loans to loans | 3.2257% | 2,151 |
| Net loans and leases to total assets | 59.8637% | 4,155 |
| Net loans and leases to deposits | 66.3904% | 4,846 |
| Net loans and leases to core deposits | 68.6038% | 5,104 |
| Total domestic deposits to total assets | 90.1692% | 780 |
| Equity capital to assets | 8.6854% | 6,099 |
| Core capital (leverage) ratio | 8.1857% | 6,149 |
| Tier 1 risk-based capital ratio | 11.9235% | 5,948 |
| Total risk-based capital ratio | 13.1883% | 5,921 |
| Memoranda: | ||
| Average total assets | $467,693,000 | 1,422 |
| Average earning assets | $409,956,250 | 1,469 |
| Average equity | $40,918,750 | 1,644 |
| Average total loans | $293,966,250 | 1,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 6,057 |
| Cost of funding earning assets | 0.7827% | 5,494 |
| Net interest margin | 3.5053% | 5,140 |
| Noninterest income to average assets | 1.1217% | 1,026 |
| Noninterest expense to average assets | 3.6418% | 1,647 |
| Loan and lease loss provision to assets | 0.6082% | 1,578 |
| Net operating income to assets | -0.0452% | 6,292 |
| Return on assets (ROA) | 0.0330% | 6,241 |
| Pretax return on assets | 0.0415% | 6,205 |
| Return on Equity (ROE) | 0.3760% | 6,222 |
| Retained earnings to average equity (ytd only) | -0.4249% | 5,938 |
| Net charge-offs to loans | 1.4663% | 1,019 |
| Credit loss provision to net charge-offs | 65.5284% | 4,188 |
| Earnings coverage of net charge-offs (x) | 0.5934% | 4,852 |
| Efficiency ratio | 86.8628% | 1,522 |
| Assets per employee ($millions) | 2.9362% | 6,226 |
| Cash dividends to net income (ytd only)* | 212.9870% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4798% | 1,473 |
| Loan loss allowance to noncurrent loans | 72.0504% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 3.7893% | 1,713 |
| Noncurrent loans to loans | 3.4418% | 2,055 |
| Net loans and leases to total assets | 58.9310% | 4,478 |
| Net loans and leases to deposits | 65.9221% | 5,013 |
| Net loans and leases to core deposits | 68.1415% | 5,280 |
| Total domestic deposits to total assets | 89.3949% | 1,304 |
| Equity capital to assets | 8.6463% | 6,005 |
| Core capital (leverage) ratio | 8.2824% | 5,899 |
| Tier 1 risk-based capital ratio | 11.9961% | 5,793 |
| Total risk-based capital ratio | 13.2580% | 5,752 |
| Memoranda: | ||
| Average total assets | $466,971,000 | 1,435 |
| Average earning assets | $409,095,000 | 1,484 |
| Average equity | $40,955,330 | 1,636 |
| Average total loans | $295,583,000 | 1,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 5,860 |
| Cost of funding earning assets | 0.8237% | 5,441 |
| Net interest margin | 3.5252% | 4,898 |
| Noninterest income to average assets | 1.1989% | 892 |
| Noninterest expense to average assets | 3.7441% | 1,451 |
| Loan and lease loss provision to assets | 0.2887% | 2,839 |
| Net operating income to assets | 0.2120% | 5,751 |
| Return on assets (ROA) | 0.2120% | 5,813 |
| Pretax return on assets | 0.2499% | 5,809 |
| Return on Equity (ROE) | 2.4002% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.4002% | 4,713 |
| Net charge-offs to loans | 0.5577% | 2,098 |
| Credit loss provision to net charge-offs | 79.9523% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.4916% | 3,590 |
| Efficiency ratio | 87.4220% | 1,579 |
| Assets per employee ($millions) | 2.8567% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 1,281 |
| Loan loss allowance to noncurrent loans | 64.1414% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 4.4466% | 1,460 |
| Noncurrent loans to loans | 4.0942% | 1,757 |
| Net loans and leases to total assets | 62.0717% | 3,843 |
| Net loans and leases to deposits | 68.9126% | 4,538 |
| Net loans and leases to core deposits | 71.6879% | 4,827 |
| Total domestic deposits to total assets | 90.0730% | 1,111 |
| Equity capital to assets | 8.8794% | 5,379 |
| Core capital (leverage) ratio | 8.4821% | 5,490 |
| Tier 1 risk-based capital ratio | 11.7477% | 5,895 |
| Total risk-based capital ratio | 13.0116% | 5,898 |
| Memoranda: | ||
| Average total assets | $464,094,500 | 1,454 |
| Average earning assets | $405,986,000 | 1,503 |
| Average equity | $40,996,500 | 1,627 |
| Average total loans | $300,542,000 | 1,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 5,904 |
| Cost of funding earning assets | 1.2589% | 4,155 |
| Net interest margin | 3.4083% | 5,593 |
| Noninterest income to average assets | 1.4198% | 718 |
| Noninterest expense to average assets | 3.7901% | 1,504 |
| Loan and lease loss provision to assets | 0.3927% | 3,760 |
| Net operating income to assets | 0.1691% | 5,376 |
| Return on assets (ROA) | 0.2146% | 5,393 |
| Pretax return on assets | 0.2454% | 5,369 |
| Return on Equity (ROE) | 2.5804% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.6929% | 4,668 |
| Net charge-offs to loans | 0.4612% | 3,776 |
| Credit loss provision to net charge-offs | 128.0323% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.9097% | 4,295 |
| Efficiency ratio | 86.6131% | 1,611 |
| Assets per employee ($millions) | 2.7217% | 6,650 |
| Cash dividends to net income (ytd only)* | 34.3931% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 1,333 |
| Loan loss allowance to noncurrent loans | 64.0154% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 4.5304% | 1,473 |
| Noncurrent loans to loans | 3.9966% | 1,817 |
| Net loans and leases to total assets | 64.0836% | 3,859 |
| Net loans and leases to deposits | 71.0225% | 4,679 |
| Net loans and leases to core deposits | 73.8608% | 4,993 |
| Total domestic deposits to total assets | 90.2299% | 970 |
| Equity capital to assets | 8.7881% | 5,452 |
| Core capital (leverage) ratio | 8.0840% | 6,054 |
| Tier 1 risk-based capital ratio | 11.3513% | 6,032 |
| Total risk-based capital ratio | 12.6144% | 6,018 |
| Memoranda: | ||
| Average total assets | $483,791,400 | 1,387 |
| Average earning assets | $419,587,600 | 1,444 |
| Average equity | $40,226,600 | 1,648 |
| Average total loans | $321,741,800 | 1,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 5,972 |
| Cost of funding earning assets | 1.3370% | 3,999 |
| Net interest margin | 3.3751% | 5,765 |
| Noninterest income to average assets | 1.3945% | 698 |
| Noninterest expense to average assets | 3.8212% | 1,340 |
| Loan and lease loss provision to assets | 0.3699% | 3,679 |
| Net operating income to assets | 0.1226% | 5,710 |
| Return on assets (ROA) | 0.1916% | 5,690 |
| Pretax return on assets | 0.1916% | 5,748 |
| Return on Equity (ROE) | 2.3366% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.1483% | 5,362 |
| Net charge-offs to loans | 0.4729% | 3,381 |
| Credit loss provision to net charge-offs | 117.3160% | 3,537 |
| Earnings coverage of net charge-offs (x) | 1.5619% | 4,554 |
| Efficiency ratio | 88.5830% | 1,404 |
| Assets per employee ($millions) | 2.8412% | 6,504 |
| Cash dividends to net income (ytd only)* | 50.8547% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,471 |
| Loan loss allowance to noncurrent loans | 59.6834% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 4.6257% | 1,453 |
| Noncurrent loans to loans | 4.0225% | 1,862 |
| Net loans and leases to total assets | 64.0945% | 4,102 |
| Net loans and leases to deposits | 73.6206% | 4,577 |
| Net loans and leases to core deposits | 76.5586% | 4,986 |
| Total domestic deposits to total assets | 87.0606% | 2,493 |
| Equity capital to assets | 8.3707% | 6,428 |
| Core capital (leverage) ratio | 7.6432% | 6,729 |
| Tier 1 risk-based capital ratio | 10.5899% | 6,715 |
| Total risk-based capital ratio | 11.8508% | 6,694 |
| Memoranda: | ||
| Average total assets | $488,386,500 | 1,393 |
| Average earning assets | $422,422,500 | 1,455 |
| Average equity | $40,058,000 | 1,664 |
| Average total loans | $325,656,500 | 1,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 6,093 |
| Cost of funding earning assets | 1.3540% | 4,167 |
| Net interest margin | 3.3612% | 5,791 |
| Noninterest income to average assets | 1.3954% | 650 |
| Noninterest expense to average assets | 3.8275% | 1,311 |
| Loan and lease loss provision to assets | 0.2346% | 4,571 |
| Net operating income to assets | 0.2350% | 5,435 |
| Return on assets (ROA) | 0.2350% | 5,575 |
| Pretax return on assets | 0.2350% | 5,691 |
| Return on Equity (ROE) | 2.8848% | 5,285 |
| Retained earnings to average equity (ytd only) | 1.0968% | 5,326 |
| Net charge-offs to loans | 0.2758% | 3,958 |
| Credit loss provision to net charge-offs | 126.9316% | 3,171 |
| Earnings coverage of net charge-offs (x) | 2.5408% | 3,730 |
| Efficiency ratio | 89.0714% | 1,409 |
| Assets per employee ($millions) | 2.8782% | 6,403 |
| Cash dividends to net income (ytd only)* | 61.9792% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 1,491 |
| Loan loss allowance to noncurrent loans | 59.3091% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 4.4812% | 1,486 |
| Noncurrent loans to loans | 3.9802% | 1,908 |
| Net loans and leases to total assets | 63.3404% | 4,386 |
| Net loans and leases to deposits | 72.4935% | 4,912 |
| Net loans and leases to core deposits | 75.8366% | 5,214 |
| Total domestic deposits to total assets | 87.3739% | 2,338 |
| Equity capital to assets | 8.1685% | 6,579 |
| Core capital (leverage) ratio | 7.7724% | 6,528 |
| Tier 1 risk-based capital ratio | 10.3130% | 6,827 |
| Total risk-based capital ratio | 11.5733% | 6,799 |
| Memoranda: | ||
| Average total assets | $490,183,330 | 1,393 |
| Average earning assets | $423,181,000 | 1,465 |
| Average equity | $39,934,000 | 1,669 |
| Average total loans | $328,479,000 | 1,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 6,111 |
| Cost of funding earning assets | 1.3577% | 4,434 |
| Net interest margin | 3.3828% | 5,649 |
| Noninterest income to average assets | 1.4121% | 605 |
| Noninterest expense to average assets | 3.9715% | 1,072 |
| Loan and lease loss provision to assets | 0.1635% | 4,891 |
| Net operating income to assets | 0.1823% | 5,745 |
| Return on assets (ROA) | 0.1823% | 5,872 |
| Pretax return on assets | 0.1823% | 5,937 |
| Return on Equity (ROE) | 2.2412% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.5930% | 5,588 |
| Net charge-offs to loans | 0.1165% | 4,279 |
| Credit loss provision to net charge-offs | 206.1856% | 1,812 |
| Earnings coverage of net charge-offs (x) | 4.3608% | 2,647 |
| Efficiency ratio | 91.9886% | 1,277 |
| Assets per employee ($millions) | 2.8738% | 6,491 |
| Cash dividends to net income (ytd only)* | 73.5426% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2913% | 1,589 |
| Loan loss allowance to noncurrent loans | 58.5514% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 4.9738% | 1,297 |
| Noncurrent loans to loans | 3.9133% | 2,024 |
| Net loans and leases to total assets | 64.4840% | 4,219 |
| Net loans and leases to deposits | 73.6547% | 4,796 |
| Net loans and leases to core deposits | 77.0473% | 5,132 |
| Total domestic deposits to total assets | 87.5491% | 2,332 |
| Equity capital to assets | 8.0084% | 6,644 |
| Core capital (leverage) ratio | 7.8831% | 6,400 |
| Tier 1 risk-based capital ratio | 10.0201% | 7,022 |
| Total risk-based capital ratio | 11.2795% | 7,002 |
| Memoranda: | ||
| Average total assets | $489,189,500 | 1,430 |
| Average earning assets | $420,130,000 | 1,518 |
| Average equity | $39,799,500 | 1,688 |
| Average total loans | $333,078,500 | 1,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 4,550 |
| Cost of funding earning assets | 1.8141% | 3,916 |
| Net interest margin | 3.6131% | 4,505 |
| Noninterest income to average assets | 1.2910% | 900 |
| Noninterest expense to average assets | 4.4467% | 840 |
| Loan and lease loss provision to assets | 2.9059% | 618 |
| Net operating income to assets | -2.8568% | 7,363 |
| Return on assets (ROA) | -2.7213% | 7,336 |
| Pretax return on assets | -2.9455% | 7,276 |
| Return on Equity (ROE) | -29.9437% | 7,401 |
| Retained earnings to average equity (ytd only) | -31.3499% | 7,413 |
| Net charge-offs to loans | 3.8410% | 446 |
| Credit loss provision to net charge-offs | 105.7531% | 5,242 |
| Earnings coverage of net charge-offs (x) | -0.0680% | 6,292 |
| Efficiency ratio | 104.3881% | 945 |
| Assets per employee ($millions) | 2.7656% | 6,721 |
| Cash dividends to net income (ytd only)* | -4.6962% | 7,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,663 |
| Loan loss allowance to noncurrent loans | 66.8620% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 4.8993% | 1,272 |
| Noncurrent loans to loans | 3.2806% | 2,331 |
| Net loans and leases to total assets | 68.7079% | 3,546 |
| Net loans and leases to deposits | 79.2124% | 4,133 |
| Net loans and leases to core deposits | 90.9113% | 5,029 |
| Total domestic deposits to total assets | 86.7389% | 2,635 |
| Equity capital to assets | 8.2675% | 6,247 |
| Core capital (leverage) ratio | 7.8093% | 6,439 |
| Tier 1 risk-based capital ratio | 9.6817% | 7,111 |
| Total risk-based capital ratio | 10.9403% | 7,078 |
| Memoranda: | ||
| Average total assets | $482,019,800 | 1,433 |
| Average earning assets | $396,062,200 | 1,602 |
| Average equity | $43,805,600 | 1,527 |
| Average total loans | $344,836,400 | 1,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 4,449 |
| Cost of funding earning assets | 1.8869% | 3,946 |
| Net interest margin | 3.6060% | 4,462 |
| Noninterest income to average assets | 1.3075% | 910 |
| Noninterest expense to average assets | 4.2472% | 982 |
| Loan and lease loss provision to assets | 3.2446% | 425 |
| Net operating income to assets | -2.9765% | 7,577 |
| Return on assets (ROA) | -2.7959% | 7,544 |
| Pretax return on assets | -3.0538% | 7,522 |
| Return on Equity (ROE) | -30.0871% | 7,611 |
| Retained earnings to average equity (ytd only) | -31.4349% | 7,622 |
| Net charge-offs to loans | 3.6198% | 407 |
| Credit loss provision to net charge-offs | 124.7343% | 4,041 |
| Earnings coverage of net charge-offs (x) | -0.0021% | 6,069 |
| Efficiency ratio | 100.1304% | 1,056 |
| Assets per employee ($millions) | 2.6496% | 6,942 |
| Cash dividends to net income (ytd only)* | -4.4798% | 7,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 985 |
| Loan loss allowance to noncurrent loans | 78.7650% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 5.4968% | 1,038 |
| Noncurrent loans to loans | 3.2788% | 2,305 |
| Net loans and leases to total assets | 70.2456% | 3,449 |
| Net loans and leases to deposits | 81.4659% | 4,118 |
| Net loans and leases to core deposits | 95.5635% | 4,857 |
| Total domestic deposits to total assets | 86.2269% | 2,573 |
| Equity capital to assets | 8.9102% | 5,620 |
| Core capital (leverage) ratio | 8.2802% | 5,869 |
| Tier 1 risk-based capital ratio | 10.0173% | 6,962 |
| Total risk-based capital ratio | 11.2798% | 6,901 |
| Memoranda: | ||
| Average total assets | $482,222,000 | 1,454 |
| Average earning assets | $392,371,500 | 1,632 |
| Average equity | $44,811,000 | 1,514 |
| Average total loans | $346,534,250 | 1,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 5,507 |
| Cost of funding earning assets | 1.8928% | 4,301 |
| Net interest margin | 3.4359% | 5,042 |
| Noninterest income to average assets | 1.3297% | 870 |
| Noninterest expense to average assets | 5.1031% | 479 |
| Loan and lease loss provision to assets | 3.6527% | 374 |
| Net operating income to assets | -4.1917% | 7,856 |
| Return on assets (ROA) | -4.0766% | 7,841 |
| Pretax return on assets | -4.4635% | 7,805 |
| Return on Equity (ROE) | -43.2751% | 7,869 |
| Retained earnings to average equity (ytd only) | -44.5475% | 7,866 |
| Net charge-offs to loans | 3.2727% | 488 |
| Credit loss provision to net charge-offs | 155.4908% | 2,958 |
| Earnings coverage of net charge-offs (x) | -0.3990% | 6,017 |
| Efficiency ratio | 122.5010% | 623 |
| Assets per employee ($millions) | 2.4851% | 7,284 |
| Cash dividends to net income (ytd only)* | -2.9403% | 7,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7882% | 689 |
| Loan loss allowance to noncurrent loans | 58.2714% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 6.8525% | 639 |
| Noncurrent loans to loans | 4.7848% | 1,307 |
| Net loans and leases to total assets | 71.2121% | 3,420 |
| Net loans and leases to deposits | 82.7578% | 4,093 |
| Net loans and leases to core deposits | 97.0194% | 4,785 |
| Total domestic deposits to total assets | 86.0488% | 2,765 |
| Equity capital to assets | 9.0909% | 5,174 |
| Core capital (leverage) ratio | 8.4293% | 5,566 |
| Tier 1 risk-based capital ratio | 9.9411% | 6,991 |
| Total risk-based capital ratio | 11.2057% | 6,909 |
| Memoranda: | ||
| Average total assets | $482,221,330 | 1,468 |
| Average earning assets | $398,037,000 | 1,630 |
| Average equity | $45,425,670 | 1,516 |
| Average total loans | $346,138,670 | 1,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 6,569 |
| Cost of funding earning assets | 1.9142% | 4,559 |
| Net interest margin | 3.2132% | 5,822 |
| Noninterest income to average assets | 1.2897% | 856 |
| Noninterest expense to average assets | 4.1198% | 1,041 |
| Loan and lease loss provision to assets | 1.8779% | 651 |
| Net operating income to assets | -1.4183% | 7,463 |
| Return on assets (ROA) | -1.3824% | 7,466 |
| Pretax return on assets | -1.9739% | 7,524 |
| Return on Equity (ROE) | -14.4246% | 7,582 |
| Retained earnings to average equity (ytd only) | -15.8403% | 7,485 |
| Net charge-offs to loans | 0.8465% | 1,541 |
| Credit loss provision to net charge-offs | 312.2421% | 1,570 |
| Earnings coverage of net charge-offs (x) | -0.2448% | 5,161 |
| Efficiency ratio | 103.7068% | 994 |
| Assets per employee ($millions) | 2.5564% | 7,172 |
| Cash dividends to net income (ytd only)* | -9.8145% | 8,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 905 |
| Loan loss allowance to noncurrent loans | 31.7872% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 6.1871% | 628 |
| Noncurrent loans to loans | 7.3683% | 517 |
| Net loans and leases to total assets | 68.2028% | 4,084 |
| Net loans and leases to deposits | 79.9914% | 4,614 |
| Net loans and leases to core deposits | 95.1837% | 5,044 |
| Total domestic deposits to total assets | 85.2626% | 3,082 |
| Equity capital to assets | 10.1531% | 3,823 |
| Core capital (leverage) ratio | 10.2522% | 3,152 |
| Tier 1 risk-based capital ratio | 12.0175% | 4,951 |
| Total risk-based capital ratio | 13.2613% | 4,839 |
| Memoranda: | ||
| Average total assets | $483,521,500 | 1,469 |
| Average earning assets | $403,710,000 | 1,613 |
| Average equity | $46,337,500 | 1,497 |
| Average total loans | $343,536,000 | 1,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0987% | 5,050 |
| Cost of funding earning assets | 2.4847% | 4,285 |
| Net interest margin | 3.6140% | 4,819 |
| Noninterest income to average assets | 1.3708% | 768 |
| Noninterest expense to average assets | 4.1324% | 1,226 |
| Loan and lease loss provision to assets | 1.3774% | 1,008 |
| Net operating income to assets | -0.5258% | 6,937 |
| Return on assets (ROA) | -0.5258% | 6,817 |
| Pretax return on assets | -1.0019% | 7,000 |
| Return on Equity (ROE) | -5.7040% | 6,936 |
| Retained earnings to average equity (ytd only) | -8.4739% | 6,924 |
| Net charge-offs to loans | 1.4381% | 811 |
| Credit loss provision to net charge-offs | 134.6115% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.3670% | 6,012 |
| Efficiency ratio | 91.6694% | 1,399 |
| Assets per employee ($millions) | 2.4270% | 7,352 |
| Cash dividends to net income (ytd only)* | -48.5590% | 8,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 1,275 |
| Loan loss allowance to noncurrent loans | 39.2855% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 4.9678% | 708 |
| Noncurrent loans to loans | 5.0232% | 875 |
| Net loans and leases to total assets | 70.9223% | 3,804 |
| Net loans and leases to deposits | 82.4675% | 4,653 |
| Net loans and leases to core deposits | 96.2425% | 5,234 |
| Total domestic deposits to total assets | 86.0003% | 2,399 |
| Equity capital to assets | 8.9707% | 5,405 |
| Core capital (leverage) ratio | 8.8065% | 5,024 |
| Tier 1 risk-based capital ratio | 10.2489% | 6,469 |
| Total risk-based capital ratio | 11.5047% | 6,334 |
| Memoranda: | ||
| Average total assets | $481,703,400 | 1,423 |
| Average earning assets | $418,155,000 | 1,494 |
| Average equity | $44,407,200 | 1,517 |
| Average total loans | $342,744,400 | 1,416 |