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Builtwell Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1987% | 491 |
| Cost of funding earning assets | 0.9922% | 3,317 |
| Net interest margin | 5.2065% | 263 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.5828% | 2,064 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.1760% | 357 |
| Return on assets (ROA) | 1.9410% | 484 |
| Pretax return on assets | 2.5786% | 312 |
| Return on Equity (ROE) | 16.8400% | 974 |
| Retained earnings to average equity (ytd only) | -1.1323% | 4,197 |
| Net charge-offs to loans | 0.0712% | 1,141 |
| Credit loss provision to net charge-offs | 200.2364% | 1,223 |
| Earnings coverage of net charge-offs (x) | 64.9043% | 1,143 |
| Efficiency ratio | 45.4089% | 4,216 |
| Assets per employee ($millions) | 5.6685% | 3,100 |
| Cash dividends to net income (ytd only)* | 106.7251% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,099 |
| Loan loss allowance to noncurrent loans | 283.7896% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 1,314 |
| Noncurrent loans to loans | 0.5234% | 1,483 |
| Net loans and leases to total assets | 67.7200% | 2,070 |
| Net loans and leases to deposits | 77.8102% | 2,283 |
| Net loans and leases to core deposits | 83.3717% | 2,500 |
| Total domestic deposits to total assets | 87.0400% | 1,667 |
| Equity capital to assets | 12.3566% | 1,020 |
| Core capital (leverage) ratio | 10.5618% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6470% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,810,272,600 | 623 |
| Average earning assets | $1,673,559,600 | 613 |
| Average equity | $208,688,800 | 521 |
| Average total loans | $1,188,984,200 | 637 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0701% | 490 |
| Cost of funding earning assets | 0.8723% | 3,337 |
| Net interest margin | 5.1978% | 256 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.5664% | 2,040 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.1779% | 388 |
| Return on assets (ROA) | 1.8651% | 579 |
| Pretax return on assets | 2.4762% | 389 |
| Return on Equity (ROE) | 16.4700% | 1,172 |
| Retained earnings to average equity (ytd only) | -7.8757% | 4,480 |
| Net charge-offs to loans | 0.0891% | 856 |
| Credit loss provision to net charge-offs | 177.1283% | 1,199 |
| Earnings coverage of net charge-offs (x) | 52.6213% | 1,282 |
| Efficiency ratio | 45.1587% | 4,182 |
| Assets per employee ($millions) | 5.5622% | 3,130 |
| Cash dividends to net income (ytd only)* | 147.8124% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,140 |
| Loan loss allowance to noncurrent loans | 489.7484% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 1,903 |
| Noncurrent loans to loans | 0.3040% | 2,147 |
| Net loans and leases to total assets | 66.6800% | 2,184 |
| Net loans and leases to deposits | 76.0565% | 2,406 |
| Net loans and leases to core deposits | 80.5801% | 2,557 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 11.7513% | 1,110 |
| Core capital (leverage) ratio | 10.0555% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0384% | 1,310 |
| Memoranda: | ||
| Average total assets | $1,813,613,000 | 623 |
| Average earning assets | $1,675,168,500 | 616 |
| Average equity | $205,351,750 | 524 |
| Average total loans | $1,177,406,500 | 641 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9228% | 485 |
| Cost of funding earning assets | 0.7361% | 3,387 |
| Net interest margin | 5.1867% | 246 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.5339% | 2,114 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 2.1661% | 375 |
| Return on assets (ROA) | 1.6966% | 789 |
| Pretax return on assets | 2.2531% | 499 |
| Return on Equity (ROE) | 15.1700% | 1,437 |
| Retained earnings to average equity (ytd only) | -21.6952% | 4,583 |
| Net charge-offs to loans | 0.0572% | 960 |
| Credit loss provision to net charge-offs | 613.8138% | 565 |
| Earnings coverage of net charge-offs (x) | 83.9189% | 1,027 |
| Efficiency ratio | 44.6190% | 4,228 |
| Assets per employee ($millions) | 5.5343% | 3,117 |
| Cash dividends to net income (ytd only)* | 242.9858% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 901 |
| Loan loss allowance to noncurrent loans | 332.6580% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 1,630 |
| Noncurrent loans to loans | 0.4866% | 1,499 |
| Net loans and leases to total assets | 65.1200% | 2,265 |
| Net loans and leases to deposits | 73.7280% | 2,523 |
| Net loans and leases to core deposits | 77.6841% | 2,642 |
| Total domestic deposits to total assets | 88.3200% | 1,488 |
| Equity capital to assets | 11.2071% | 1,302 |
| Core capital (leverage) ratio | 9.5620% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6030% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,819,284,667 | 610 |
| Average earning assets | $1,679,714,667 | 605 |
| Average equity | $203,427,667 | 515 |
| Average total loans | $1,164,533,333 | 634 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 470 |
| Cost of funding earning assets | 0.5515% | 3,528 |
| Net interest margin | 5.1227% | 245 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.4916% | 2,270 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 2.1578% | 394 |
| Return on assets (ROA) | 1.2255% | 1,837 |
| Pretax return on assets | 1.6193% | 1,418 |
| Return on Equity (ROE) | 10.9700% | 2,499 |
| Retained earnings to average equity (ytd only) | -62.3190% | 4,679 |
| Net charge-offs to loans | 0.0499% | 872 |
| Credit loss provision to net charge-offs | 810.4167% | 411 |
| Earnings coverage of net charge-offs (x) | 97.1597% | 799 |
| Efficiency ratio | 44.3456% | 4,290 |
| Assets per employee ($millions) | 5.7572% | 2,973 |
| Cash dividends to net income (ytd only)* | 667.9729% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 998 |
| Loan loss allowance to noncurrent loans | 375.0709% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 1,775 |
| Noncurrent loans to loans | 0.4279% | 1,649 |
| Net loans and leases to total assets | 62.8100% | 2,376 |
| Net loans and leases to deposits | 70.7020% | 2,557 |
| Net loans and leases to core deposits | 74.0415% | 2,674 |
| Total domestic deposits to total assets | 88.8400% | 1,600 |
| Equity capital to assets | 10.5773% | 1,525 |
| Core capital (leverage) ratio | 8.8201% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1507% | 1,583 |
| Memoranda: | ||
| Average total assets | $1,832,363,500 | 622 |
| Average earning assets | $1,693,573,500 | 613 |
| Average equity | $204,663,000 | 525 |
| Average total loans | $1,153,389,500 | 645 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 1,131 |
| Cost of funding earning assets | 0.1040% | 4,376 |
| Net interest margin | 4.1590% | 595 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.3304% | 2,644 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.5599% | 761 |
| Return on assets (ROA) | 1.5550% | 736 |
| Pretax return on assets | 2.0543% | 418 |
| Return on Equity (ROE) | 14.6500% | 1,352 |
| Retained earnings to average equity (ytd only) | 10.6786% | 964 |
| Net charge-offs to loans | 0.0084% | 2,075 |
| Credit loss provision to net charge-offs | 4,572.6316% | 148 |
| Earnings coverage of net charge-offs (x) | 470.6105% | 348 |
| Efficiency ratio | 49.8683% | 4,134 |
| Assets per employee ($millions) | 5.8764% | 2,877 |
| Cash dividends to net income (ytd only)* | 27.0838% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,152 |
| Loan loss allowance to noncurrent loans | 329.9830% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 1,714 |
| Noncurrent loans to loans | 0.4600% | 1,558 |
| Net loans and leases to total assets | 61.1300% | 2,537 |
| Net loans and leases to deposits | 69.6211% | 2,614 |
| Net loans and leases to core deposits | 72.1954% | 2,707 |
| Total domestic deposits to total assets | 87.8100% | 2,140 |
| Equity capital to assets | 11.7457% | 1,012 |
| Core capital (leverage) ratio | 10.0706% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0923% | 967 |
| Memoranda: | ||
| Average total assets | $1,958,939,000 | 563 |
| Average earning assets | $1,823,852,600 | 553 |
| Average equity | $207,995,000 | 507 |
| Average total loans | $1,131,405,800 | 612 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 1,498 |
| Cost of funding earning assets | 0.0691% | 4,481 |
| Net interest margin | 3.8244% | 913 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.2731% | 2,709 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.3756% | 1,155 |
| Return on assets (ROA) | 1.3675% | 1,147 |
| Pretax return on assets | 1.8078% | 720 |
| Return on Equity (ROE) | 13.2100% | 1,639 |
| Retained earnings to average equity (ytd only) | 9.6383% | 1,446 |
| Net charge-offs to loans | 0.0163% | 1,528 |
| Credit loss provision to net charge-offs | 2,302.1739% | 221 |
| Earnings coverage of net charge-offs (x) | 219.1014% | 592 |
| Efficiency ratio | 52.1149% | 3,996 |
| Assets per employee ($millions) | 6.0693% | 2,703 |
| Cash dividends to net income (ytd only)* | 27.0230% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,560 |
| Loan loss allowance to noncurrent loans | 163.3638% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 1,067 |
| Noncurrent loans to loans | 0.8659% | 908 |
| Net loans and leases to total assets | 58.2700% | 2,666 |
| Net loans and leases to deposits | 65.6792% | 2,748 |
| Net loans and leases to core deposits | 67.3905% | 2,850 |
| Total domestic deposits to total assets | 88.7200% | 2,206 |
| Equity capital to assets | 10.7661% | 1,266 |
| Core capital (leverage) ratio | 9.2943% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7727% | 1,032 |
| Memoranda: | ||
| Average total assets | $1,984,435,750 | 552 |
| Average earning assets | $1,850,760,500 | 542 |
| Average equity | $205,465,750 | 515 |
| Average total loans | $1,126,080,750 | 605 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 2,732 |
| Cost of funding earning assets | 0.0594% | 4,535 |
| Net interest margin | 3.2431% | 2,072 |
| Noninterest income to average assets | 0.9012% | 849 |
| Noninterest expense to average assets | 2.3661% | 2,351 |
| Loan and lease loss provision to assets | 0.0095% | 2,422 |
| Net operating income to assets | 1.1990% | 1,432 |
| Return on assets (ROA) | 1.2000% | 1,412 |
| Pretax return on assets | 1.5937% | 953 |
| Return on Equity (ROE) | 14.1924% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.2626% | 1,524 |
| Net charge-offs to loans | 0.0130% | 1,527 |
| Credit loss provision to net charge-offs | 129.4118% | 1,157 |
| Earnings coverage of net charge-offs (x) | 219.2549% | 515 |
| Efficiency ratio | 59.2946% | 3,404 |
| Assets per employee ($millions) | 5.6297% | 3,106 |
| Cash dividends to net income (ytd only)* | 41.7811% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 1,071 |
| Loan loss allowance to noncurrent loans | 201.1877% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,240 |
| Noncurrent loans to loans | 0.8156% | 1,056 |
| Net loans and leases to total assets | 55.0500% | 2,853 |
| Net loans and leases to deposits | 60.6247% | 3,011 |
| Net loans and leases to core deposits | 62.0242% | 3,116 |
| Total domestic deposits to total assets | 90.8047% | 1,337 |
| Equity capital to assets | 8.4844% | 2,778 |
| Core capital (leverage) ratio | 8.7663% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3507% | 1,344 |
| Memoranda: | ||
| Average total assets | $1,396,134,667 | 745 |
| Average earning assets | $1,320,233,667 | 729 |
| Average equity | $118,049,333 | 854 |
| Average total loans | $787,250,000 | 818 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 2,696 |
| Cost of funding earning assets | 0.0628% | 4,506 |
| Net interest margin | 3.1346% | 2,071 |
| Noninterest income to average assets | 0.8460% | 943 |
| Noninterest expense to average assets | 2.2910% | 2,534 |
| Loan and lease loss provision to assets | 0.0189% | 2,016 |
| Net operating income to assets | 1.1174% | 1,484 |
| Return on assets (ROA) | 1.1185% | 1,471 |
| Pretax return on assets | 1.5018% | 1,014 |
| Return on Equity (ROE) | 13.2510% | 989 |
| Retained earnings to average equity (ytd only) | 8.1492% | 1,531 |
| Net charge-offs to loans | 0.0172% | 1,187 |
| Credit loss provision to net charge-offs | 194.1176% | 786 |
| Earnings coverage of net charge-offs (x) | 155.6471% | 521 |
| Efficiency ratio | 59.7725% | 3,506 |
| Assets per employee ($millions) | 5.7433% | 3,066 |
| Cash dividends to net income (ytd only)* | 38.5010% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,142 |
| Loan loss allowance to noncurrent loans | 166.2197% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 1,066 |
| Noncurrent loans to loans | 0.9963% | 910 |
| Net loans and leases to total assets | 54.6319% | 2,674 |
| Net loans and leases to deposits | 60.1791% | 2,888 |
| Net loans and leases to core deposits | 61.6364% | 3,007 |
| Total domestic deposits to total assets | 90.7823% | 1,143 |
| Equity capital to assets | 8.4202% | 3,224 |
| Core capital (leverage) ratio | 8.5869% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4640% | 1,154 |
| Memoranda: | ||
| Average total assets | $1,393,298,500 | 750 |
| Average earning assets | $1,317,550,000 | 735 |
| Average equity | $117,606,500 | 876 |
| Average total loans | $788,590,500 | 808 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 1,827 |
| Cost of funding earning assets | 0.0940% | 4,428 |
| Net interest margin | 3.7232% | 1,160 |
| Noninterest income to average assets | 0.8612% | 1,301 |
| Noninterest expense to average assets | 2.6741% | 1,701 |
| Loan and lease loss provision to assets | -0.5393% | 4,815 |
| Net operating income to assets | 1.6578% | 695 |
| Return on assets (ROA) | 1.6584% | 729 |
| Pretax return on assets | 2.2339% | 386 |
| Return on Equity (ROE) | 16.1812% | 723 |
| Retained earnings to average equity (ytd only) | 12.7984% | 423 |
| Net charge-offs to loans | 0.0091% | 2,237 |
| Credit loss provision to net charge-offs | -9,333.3333% | 4,219 |
| Earnings coverage of net charge-offs (x) | 293.1333% | 417 |
| Efficiency ratio | 60.8929% | 3,011 |
| Assets per employee ($millions) | 5.6082% | 3,155 |
| Cash dividends to net income (ytd only)* | 20.9059% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,236 |
| Loan loss allowance to noncurrent loans | 154.1477% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 1,075 |
| Noncurrent loans to loans | 1.0445% | 944 |
| Net loans and leases to total assets | 56.7297% | 2,513 |
| Net loans and leases to deposits | 62.5052% | 2,836 |
| Net loans and leases to core deposits | 63.8572% | 2,992 |
| Total domestic deposits to total assets | 90.7599% | 601 |
| Equity capital to assets | 8.4618% | 4,072 |
| Core capital (leverage) ratio | 8.4671% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5518% | 1,375 |
| Memoranda: | ||
| Average total assets | $1,297,946,800 | 766 |
| Average earning assets | $1,222,479,000 | 759 |
| Average equity | $133,024,400 | 783 |
| Average total loans | $826,925,000 | 780 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 1,708 |
| Cost of funding earning assets | 0.1017% | 4,487 |
| Net interest margin | 3.8174% | 1,082 |
| Noninterest income to average assets | 0.8715% | 1,319 |
| Noninterest expense to average assets | 2.4586% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4868% | 1,305 |
| Return on assets (ROA) | 1.4869% | 1,354 |
| Pretax return on assets | 2.0054% | 792 |
| Return on Equity (ROE) | 13.8521% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.4719% | 1,501 |
| Net charge-offs to loans | 0.0117% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 262.9178% | 466 |
| Efficiency ratio | 54.7501% | 3,697 |
| Assets per employee ($millions) | 5.6577% | 3,032 |
| Cash dividends to net income (ytd only)* | 31.6211% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 358 |
| Loan loss allowance to noncurrent loans | 400.7466% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 1,916 |
| Noncurrent loans to loans | 0.5872% | 1,840 |
| Net loans and leases to total assets | 61.9882% | 2,004 |
| Net loans and leases to deposits | 70.0013% | 2,248 |
| Net loans and leases to core deposits | 71.6739% | 2,451 |
| Total domestic deposits to total assets | 88.5529% | 1,541 |
| Equity capital to assets | 10.6773% | 2,284 |
| Core capital (leverage) ratio | 10.6513% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2756% | 911 |
| Memoranda: | ||
| Average total assets | $1,276,126,500 | 791 |
| Average earning assets | $1,200,922,750 | 777 |
| Average equity | $136,976,750 | 778 |
| Average total loans | $833,982,750 | 786 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 2,242 |
| Cost of funding earning assets | 0.1161% | 4,469 |
| Net interest margin | 3.6203% | 1,544 |
| Noninterest income to average assets | 0.9039% | 1,268 |
| Noninterest expense to average assets | 2.3625% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4400% | 1,450 |
| Return on assets (ROA) | 1.4407% | 1,514 |
| Pretax return on assets | 1.9478% | 924 |
| Return on Equity (ROE) | 13.3968% | 1,595 |
| Retained earnings to average equity (ytd only) | 8.9627% | 1,721 |
| Net charge-offs to loans | 0.0289% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 102.0833% | 741 |
| Efficiency ratio | 54.4774% | 3,744 |
| Assets per employee ($millions) | 5.5394% | 3,081 |
| Cash dividends to net income (ytd only)* | 33.0980% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 321 |
| Loan loss allowance to noncurrent loans | 581.2262% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 2,557 |
| Noncurrent loans to loans | 0.4090% | 2,454 |
| Net loans and leases to total assets | 62.2404% | 2,151 |
| Net loans and leases to deposits | 70.1009% | 2,400 |
| Net loans and leases to core deposits | 71.9130% | 2,610 |
| Total domestic deposits to total assets | 88.7869% | 1,394 |
| Equity capital to assets | 10.5809% | 2,328 |
| Core capital (leverage) ratio | 10.6247% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6263% | 1,012 |
| Memoranda: | ||
| Average total assets | $1,258,318,667 | 794 |
| Average earning assets | $1,183,714,333 | 784 |
| Average equity | $135,315,667 | 782 |
| Average total loans | $830,635,333 | 794 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 2,016 |
| Cost of funding earning assets | 0.1383% | 4,390 |
| Net interest margin | 3.6902% | 1,354 |
| Noninterest income to average assets | 0.8896% | 1,359 |
| Noninterest expense to average assets | 2.3880% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4432% | 1,458 |
| Return on assets (ROA) | 1.4453% | 1,522 |
| Pretax return on assets | 1.9734% | 990 |
| Return on Equity (ROE) | 13.3263% | 1,587 |
| Retained earnings to average equity (ytd only) | 8.8423% | 2,003 |
| Net charge-offs to loans | 0.0164% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 178.7941% | 436 |
| Efficiency ratio | 54.4143% | 3,740 |
| Assets per employee ($millions) | 5.4080% | 3,214 |
| Cash dividends to net income (ytd only)* | 33.6474% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 305 |
| Loan loss allowance to noncurrent loans | 530.1012% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 2,390 |
| Noncurrent loans to loans | 0.4533% | 2,497 |
| Net loans and leases to total assets | 63.3220% | 2,126 |
| Net loans and leases to deposits | 71.3229% | 2,386 |
| Net loans and leases to core deposits | 73.1794% | 2,597 |
| Total domestic deposits to total assets | 88.7822% | 1,447 |
| Equity capital to assets | 10.5982% | 2,177 |
| Core capital (leverage) ratio | 10.9894% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6347% | 835 |
| Memoranda: | ||
| Average total assets | $1,233,825,000 | 803 |
| Average earning assets | $1,159,938,000 | 789 |
| Average equity | $133,811,000 | 783 |
| Average total loans | $829,210,000 | 788 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,087 |
| Cost of funding earning assets | 0.2989% | 4,151 |
| Net interest margin | 4.3073% | 502 |
| Noninterest income to average assets | 0.9952% | 1,048 |
| Noninterest expense to average assets | 2.8477% | 1,822 |
| Loan and lease loss provision to assets | 0.9574% | 109 |
| Net operating income to assets | 0.9078% | 2,659 |
| Return on assets (ROA) | 0.9084% | 2,792 |
| Pretax return on assets | 1.2084% | 2,298 |
| Return on Equity (ROE) | 7.7249% | 2,915 |
| Retained earnings to average equity (ytd only) | 2.7401% | 3,489 |
| Net charge-offs to loans | 0.0453% | 2,159 |
| Credit loss provision to net charge-offs | 2,793.9474% | 350 |
| Earnings coverage of net charge-offs (x) | 63.1816% | 1,043 |
| Efficiency ratio | 56.4079% | 3,929 |
| Assets per employee ($millions) | 5.0482% | 3,342 |
| Cash dividends to net income (ytd only)* | 64.5289% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4007% | 297 |
| Loan loss allowance to noncurrent loans | 434.1028% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 1,999 |
| Noncurrent loans to loans | 0.5530% | 2,328 |
| Net loans and leases to total assets | 68.0242% | 1,825 |
| Net loans and leases to deposits | 77.0151% | 2,171 |
| Net loans and leases to core deposits | 80.0965% | 2,357 |
| Total domestic deposits to total assets | 88.3258% | 1,312 |
| Equity capital to assets | 11.1099% | 2,167 |
| Core capital (leverage) ratio | 11.0576% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8260% | 1,089 |
| Memoranda: | ||
| Average total assets | $1,108,928,600 | 804 |
| Average earning assets | $1,034,331,800 | 796 |
| Average equity | $130,396,600 | 765 |
| Average total loans | $838,394,800 | 756 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,125 |
| Cost of funding earning assets | 0.3319% | 4,142 |
| Net interest margin | 4.3420% | 538 |
| Noninterest income to average assets | 1.0357% | 971 |
| Noninterest expense to average assets | 2.9320% | 1,607 |
| Loan and lease loss provision to assets | 1.2088% | 88 |
| Net operating income to assets | 0.7216% | 3,386 |
| Return on assets (ROA) | 0.7216% | 3,486 |
| Pretax return on assets | 0.9381% | 3,270 |
| Return on Equity (ROE) | 6.0452% | 3,539 |
| Retained earnings to average equity (ytd only) | 0.9135% | 4,279 |
| Net charge-offs to loans | 0.0652% | 1,681 |
| Credit loss provision to net charge-offs | 2,400.7299% | 418 |
| Earnings coverage of net charge-offs (x) | 42.6375% | 1,316 |
| Efficiency ratio | 57.3269% | 3,757 |
| Assets per employee ($millions) | 4.9222% | 3,348 |
| Cash dividends to net income (ytd only)* | 84.8896% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 341 |
| Loan loss allowance to noncurrent loans | 357.7325% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 1,651 |
| Noncurrent loans to loans | 0.6209% | 2,248 |
| Net loans and leases to total assets | 71.9702% | 1,671 |
| Net loans and leases to deposits | 81.5953% | 2,139 |
| Net loans and leases to core deposits | 84.9165% | 2,388 |
| Total domestic deposits to total assets | 88.2038% | 1,110 |
| Equity capital to assets | 11.0738% | 2,344 |
| Core capital (leverage) ratio | 11.0494% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4238% | 1,156 |
| Memoranda: | ||
| Average total assets | $1,088,319,750 | 803 |
| Average earning assets | $1,013,423,750 | 798 |
| Average equity | $129,906,000 | 757 |
| Average total loans | $840,406,000 | 750 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 1,042 |
| Cost of funding earning assets | 0.3725% | 4,161 |
| Net interest margin | 4.4842% | 518 |
| Noninterest income to average assets | 1.1109% | 806 |
| Noninterest expense to average assets | 3.0762% | 1,415 |
| Loan and lease loss provision to assets | 0.9517% | 227 |
| Net operating income to assets | 0.9598% | 2,460 |
| Return on assets (ROA) | 0.9568% | 2,595 |
| Pretax return on assets | 1.2450% | 2,201 |
| Return on Equity (ROE) | 7.8082% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.4222% | 3,605 |
| Net charge-offs to loans | 0.0425% | 1,897 |
| Credit loss provision to net charge-offs | 2,851.4124% | 375 |
| Earnings coverage of net charge-offs (x) | 65.9266% | 912 |
| Efficiency ratio | 57.9015% | 3,704 |
| Assets per employee ($millions) | 4.6142% | 3,631 |
| Cash dividends to net income (ytd only)* | 68.9791% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 845 |
| Loan loss allowance to noncurrent loans | 237.0382% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 1,508 |
| Noncurrent loans to loans | 0.7098% | 2,104 |
| Net loans and leases to total assets | 74.0857% | 1,401 |
| Net loans and leases to deposits | 84.5038% | 1,936 |
| Net loans and leases to core deposits | 87.9508% | 2,248 |
| Total domestic deposits to total assets | 87.6715% | 1,341 |
| Equity capital to assets | 11.3534% | 2,079 |
| Core capital (leverage) ratio | 11.5482% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3000% | 1,176 |
| Memoranda: | ||
| Average total assets | $1,060,602,000 | 804 |
| Average earning assets | $985,281,000 | 801 |
| Average equity | $129,966,000 | 756 |
| Average total loans | $833,120,000 | 750 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 627 |
| Cost of funding earning assets | 0.4245% | 4,261 |
| Net interest margin | 4.8050% | 275 |
| Noninterest income to average assets | 1.1727% | 635 |
| Noninterest expense to average assets | 3.3946% | 1,072 |
| Loan and lease loss provision to assets | 0.0775% | 2,753 |
| Net operating income to assets | 1.6132% | 610 |
| Return on assets (ROA) | 1.6123% | 674 |
| Pretax return on assets | 2.1534% | 332 |
| Return on Equity (ROE) | 12.6327% | 951 |
| Retained earnings to average equity (ytd only) | 6.4659% | 1,724 |
| Net charge-offs to loans | 0.0881% | 1,170 |
| Credit loss provision to net charge-offs | 109.4444% | 1,761 |
| Earnings coverage of net charge-offs (x) | 31.5111% | 1,146 |
| Efficiency ratio | 59.9385% | 3,745 |
| Assets per employee ($millions) | 3.8780% | 4,078 |
| Cash dividends to net income (ytd only)* | 48.8162% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,743 |
| Loan loss allowance to noncurrent loans | 166.1365% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 1,523 |
| Noncurrent loans to loans | 0.7137% | 2,213 |
| Net loans and leases to total assets | 78.1802% | 949 |
| Net loans and leases to deposits | 90.5484% | 1,447 |
| Net loans and leases to core deposits | 94.9302% | 1,890 |
| Total domestic deposits to total assets | 86.3408% | 1,858 |
| Equity capital to assets | 12.6338% | 1,657 |
| Core capital (leverage) ratio | 12.7587% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9214% | 1,366 |
| Memoranda: | ||
| Average total assets | $1,016,431,000 | 806 |
| Average earning assets | $942,191,500 | 803 |
| Average equity | $129,727,000 | 749 |
| Average total loans | $816,795,500 | 734 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 392 |
| Cost of funding earning assets | 0.4221% | 4,372 |
| Net interest margin | 5.2885% | 155 |
| Noninterest income to average assets | 1.1526% | 705 |
| Noninterest expense to average assets | 3.3217% | 1,255 |
| Loan and lease loss provision to assets | 0.0230% | 3,557 |
| Net operating income to assets | 2.0086% | 342 |
| Return on assets (ROA) | 2.0090% | 355 |
| Pretax return on assets | 2.6858% | 149 |
| Return on Equity (ROE) | 16.3897% | 495 |
| Retained earnings to average equity (ytd only) | 9.8632% | 518 |
| Net charge-offs to loans | 0.0352% | 2,684 |
| Credit loss provision to net charge-offs | 81.8505% | 2,772 |
| Earnings coverage of net charge-offs (x) | 96.3808% | 699 |
| Efficiency ratio | 54.6567% | 4,357 |
| Assets per employee ($millions) | 3.7080% | 4,263 |
| Cash dividends to net income (ytd only)* | 39.8208% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,490 |
| Loan loss allowance to noncurrent loans | 205.3579% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 1,618 |
| Noncurrent loans to loans | 0.5798% | 2,446 |
| Net loans and leases to total assets | 80.6750% | 708 |
| Net loans and leases to deposits | 93.4814% | 1,207 |
| Net loans and leases to core deposits | 96.5937% | 1,848 |
| Total domestic deposits to total assets | 86.3006% | 1,934 |
| Equity capital to assets | 12.8972% | 1,583 |
| Core capital (leverage) ratio | 12.6287% | 1,417 |
| Tier 1 risk-based capital ratio | 15.5200% | 2,577 |
| Total risk-based capital ratio | 16.7076% | 2,523 |
| Memoranda: | ||
| Average total assets | $999,989,600 | 785 |
| Average earning assets | $922,259,000 | 781 |
| Average equity | $122,577,000 | 745 |
| Average total loans | $799,273,000 | 717 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 373 |
| Cost of funding earning assets | 0.4160% | 4,444 |
| Net interest margin | 5.3513% | 154 |
| Noninterest income to average assets | 1.1850% | 653 |
| Noninterest expense to average assets | 3.3502% | 1,180 |
| Loan and lease loss provision to assets | 0.0306% | 3,289 |
| Net operating income to assets | 2.0466% | 367 |
| Return on assets (ROA) | 2.0468% | 379 |
| Pretax return on assets | 2.7358% | 161 |
| Return on Equity (ROE) | 16.9178% | 484 |
| Retained earnings to average equity (ytd only) | 10.3097% | 680 |
| Net charge-offs to loans | 0.0456% | 2,186 |
| Credit loss provision to net charge-offs | 84.5588% | 2,450 |
| Earnings coverage of net charge-offs (x) | 76.3230% | 886 |
| Efficiency ratio | 54.3516% | 4,355 |
| Assets per employee ($millions) | 3.6546% | 4,327 |
| Cash dividends to net income (ytd only)* | 39.0600% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,464 |
| Loan loss allowance to noncurrent loans | 235.0363% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 1,808 |
| Noncurrent loans to loans | 0.5141% | 2,749 |
| Net loans and leases to total assets | 78.3979% | 1,074 |
| Net loans and leases to deposits | 90.4491% | 1,639 |
| Net loans and leases to core deposits | 93.3486% | 2,237 |
| Total domestic deposits to total assets | 86.6762% | 1,694 |
| Equity capital to assets | 12.4378% | 1,958 |
| Core capital (leverage) ratio | 12.4282% | 1,613 |
| Tier 1 risk-based capital ratio | 15.4169% | 2,668 |
| Total risk-based capital ratio | 16.6246% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,000,625,750 | 783 |
| Average earning assets | $922,112,500 | 779 |
| Average equity | $121,060,750 | 752 |
| Average total loans | $795,494,750 | 722 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 339 |
| Cost of funding earning assets | 0.4004% | 4,506 |
| Net interest margin | 5.3990% | 151 |
| Noninterest income to average assets | 1.2314% | 568 |
| Noninterest expense to average assets | 3.3869% | 1,131 |
| Loan and lease loss provision to assets | 0.0353% | 3,121 |
| Net operating income to assets | 2.0831% | 340 |
| Return on assets (ROA) | 2.0834% | 352 |
| Pretax return on assets | 2.7857% | 159 |
| Return on Equity (ROE) | 17.3856% | 424 |
| Retained earnings to average equity (ytd only) | 10.6879% | 606 |
| Net charge-offs to loans | 0.0532% | 1,881 |
| Credit loss provision to net charge-offs | 83.4123% | 2,191 |
| Earnings coverage of net charge-offs (x) | 66.6209% | 929 |
| Efficiency ratio | 54.1440% | 4,453 |
| Assets per employee ($millions) | 3.6400% | 4,324 |
| Cash dividends to net income (ytd only)* | 38.5245% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,373 |
| Loan loss allowance to noncurrent loans | 246.2357% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,627 |
| Noncurrent loans to loans | 0.4985% | 2,783 |
| Net loans and leases to total assets | 77.8035% | 1,257 |
| Net loans and leases to deposits | 89.4875% | 1,801 |
| Net loans and leases to core deposits | 92.2571% | 2,391 |
| Total domestic deposits to total assets | 86.9434% | 1,622 |
| Equity capital to assets | 12.2323% | 2,034 |
| Core capital (leverage) ratio | 12.1463% | 1,727 |
| Tier 1 risk-based capital ratio | 15.3440% | 2,683 |
| Total risk-based capital ratio | 16.5770% | 2,624 |
| Memoranda: | ||
| Average total assets | $996,725,330 | 783 |
| Average earning assets | $918,658,330 | 781 |
| Average equity | $119,444,000 | 751 |
| Average total loans | $792,876,330 | 724 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8106% | 307 |
| Cost of funding earning assets | 0.3760% | 4,584 |
| Net interest margin | 5.4347% | 139 |
| Noninterest income to average assets | 1.1253% | 641 |
| Noninterest expense to average assets | 3.3515% | 1,194 |
| Loan and lease loss provision to assets | 0.0705% | 2,250 |
| Net operating income to assets | 2.0299% | 367 |
| Return on assets (ROA) | 2.0299% | 386 |
| Pretax return on assets | 2.7120% | 180 |
| Return on Equity (ROE) | 17.1186% | 474 |
| Retained earnings to average equity (ytd only) | 10.3228% | 959 |
| Net charge-offs to loans | 0.0630% | 1,412 |
| Credit loss provision to net charge-offs | 140.0000% | 1,295 |
| Earnings coverage of net charge-offs (x) | 55.2480% | 964 |
| Efficiency ratio | 54.2105% | 4,514 |
| Assets per employee ($millions) | 3.7000% | 4,344 |
| Cash dividends to net income (ytd only)* | 39.6983% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,353 |
| Loan loss allowance to noncurrent loans | 290.5991% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0996% | 1,258 |
| Noncurrent loans to loans | 0.4284% | 3,048 |
| Net loans and leases to total assets | 77.8160% | 1,192 |
| Net loans and leases to deposits | 89.3197% | 1,713 |
| Net loans and leases to core deposits | 91.8457% | 2,313 |
| Total domestic deposits to total assets | 87.1208% | 1,744 |
| Equity capital to assets | 11.9465% | 2,049 |
| Core capital (leverage) ratio | 11.8595% | 1,861 |
| Tier 1 risk-based capital ratio | 14.9093% | 2,917 |
| Total risk-based capital ratio | 16.1555% | 2,846 |
| Memoranda: | ||
| Average total assets | $992,763,000 | 793 |
| Average earning assets | $914,941,500 | 786 |
| Average equity | $117,720,000 | 759 |
| Average total loans | $793,631,000 | 725 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 364 |
| Cost of funding earning assets | 0.2479% | 4,819 |
| Net interest margin | 5.3017% | 161 |
| Noninterest income to average assets | 1.1277% | 726 |
| Noninterest expense to average assets | 3.3166% | 1,283 |
| Loan and lease loss provision to assets | 0.1048% | 2,098 |
| Net operating income to assets | 1.9456% | 397 |
| Return on assets (ROA) | 1.9456% | 396 |
| Pretax return on assets | 2.6015% | 171 |
| Return on Equity (ROE) | 17.3104% | 464 |
| Retained earnings to average equity (ytd only) | 11.1307% | 413 |
| Net charge-offs to loans | 0.1381% | 1,377 |
| Credit loss provision to net charge-offs | 94.8244% | 2,642 |
| Earnings coverage of net charge-offs (x) | 24.4880% | 1,809 |
| Efficiency ratio | 54.4050% | 4,576 |
| Assets per employee ($millions) | 3.6674% | 4,371 |
| Cash dividends to net income (ytd only)* | 35.6993% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,477 |
| Loan loss allowance to noncurrent loans | 136.0832% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 1,041 |
| Noncurrent loans to loans | 0.8954% | 1,797 |
| Net loans and leases to total assets | 80.1126% | 926 |
| Net loans and leases to deposits | 91.5935% | 1,598 |
| Net loans and leases to core deposits | 93.6399% | 2,258 |
| Total domestic deposits to total assets | 87.4654% | 1,556 |
| Equity capital to assets | 11.7680% | 2,054 |
| Core capital (leverage) ratio | 11.4697% | 2,130 |
| Tier 1 risk-based capital ratio | 14.3587% | 3,139 |
| Total risk-based capital ratio | 15.5851% | 3,063 |
| Memoranda: | ||
| Average total assets | $979,052,400 | 784 |
| Average earning assets | $903,974,400 | 780 |
| Average equity | $110,037,600 | 781 |
| Average total loans | $783,630,600 | 713 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4705% | 390 |
| Cost of funding earning assets | 0.2150% | 4,969 |
| Net interest margin | 5.2556% | 163 |
| Noninterest income to average assets | 1.1513% | 707 |
| Noninterest expense to average assets | 3.3229% | 1,252 |
| Loan and lease loss provision to assets | 0.0165% | 3,685 |
| Net operating income to assets | 1.9941% | 384 |
| Return on assets (ROA) | 1.9941% | 379 |
| Pretax return on assets | 2.6657% | 173 |
| Return on Equity (ROE) | 17.9557% | 431 |
| Retained earnings to average equity (ytd only) | 11.6900% | 525 |
| Net charge-offs to loans | 0.0310% | 2,471 |
| Credit loss provision to net charge-offs | 66.8508% | 2,664 |
| Earnings coverage of net charge-offs (x) | 108.6065% | 709 |
| Efficiency ratio | 54.6737% | 4,542 |
| Assets per employee ($millions) | 3.7444% | 4,243 |
| Cash dividends to net income (ytd only)* | 34.8957% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,460 |
| Loan loss allowance to noncurrent loans | 202.5988% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 1,482 |
| Noncurrent loans to loans | 0.6063% | 2,565 |
| Net loans and leases to total assets | 78.9750% | 1,174 |
| Net loans and leases to deposits | 89.9875% | 1,899 |
| Net loans and leases to core deposits | 91.8981% | 2,490 |
| Total domestic deposits to total assets | 87.7622% | 1,357 |
| Equity capital to assets | 11.4138% | 2,323 |
| Core capital (leverage) ratio | 11.3732% | 2,270 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,291 |
| Total risk-based capital ratio | 15.4035% | 3,209 |
| Memoranda: | ||
| Average total assets | $977,184,000 | 783 |
| Average earning assets | $902,483,750 | 776 |
| Average equity | $108,523,500 | 788 |
| Average total loans | $779,518,000 | 714 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 379 |
| Cost of funding earning assets | 0.1793% | 5,112 |
| Net interest margin | 5.2272% | 159 |
| Noninterest income to average assets | 1.1652% | 709 |
| Noninterest expense to average assets | 3.3449% | 1,223 |
| Loan and lease loss provision to assets | 0.0103% | 3,646 |
| Net operating income to assets | 1.9736% | 396 |
| Return on assets (ROA) | 1.9736% | 395 |
| Pretax return on assets | 2.6385% | 172 |
| Return on Equity (ROE) | 17.9398% | 421 |
| Retained earnings to average equity (ytd only) | 11.5815% | 579 |
| Net charge-offs to loans | 0.0312% | 2,228 |
| Credit loss provision to net charge-offs | 41.3223% | 2,553 |
| Earnings coverage of net charge-offs (x) | 106.4050% | 668 |
| Efficiency ratio | 55.1452% | 4,568 |
| Assets per employee ($millions) | 3.5867% | 4,489 |
| Cash dividends to net income (ytd only)* | 35.4425% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,480 |
| Loan loss allowance to noncurrent loans | 224.1308% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 1,480 |
| Noncurrent loans to loans | 0.5538% | 2,753 |
| Net loans and leases to total assets | 79.0924% | 1,151 |
| Net loans and leases to deposits | 89.9757% | 1,843 |
| Net loans and leases to core deposits | 91.6232% | 2,432 |
| Total domestic deposits to total assets | 87.9041% | 1,431 |
| Equity capital to assets | 11.2336% | 2,423 |
| Core capital (leverage) ratio | 11.0514% | 2,480 |
| Tier 1 risk-based capital ratio | 13.9365% | 3,388 |
| Total risk-based capital ratio | 15.1866% | 3,313 |
| Memoranda: | ||
| Average total assets | $972,156,330 | 788 |
| Average earning assets | $897,996,670 | 779 |
| Average equity | $106,946,330 | 798 |
| Average total loans | $774,894,670 | 719 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2195% | 472 |
| Cost of funding earning assets | 0.1649% | 5,188 |
| Net interest margin | 5.0546% | 213 |
| Noninterest income to average assets | 1.1191% | 746 |
| Noninterest expense to average assets | 3.2586% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8934% | 458 |
| Return on assets (ROA) | 1.8934% | 463 |
| Pretax return on assets | 2.5301% | 203 |
| Return on Equity (ROE) | 17.3968% | 470 |
| Retained earnings to average equity (ytd only) | 10.9465% | 910 |
| Net charge-offs to loans | 0.0914% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 34.8125% | 1,148 |
| Efficiency ratio | 55.6213% | 4,632 |
| Assets per employee ($millions) | 3.6352% | 4,493 |
| Cash dividends to net income (ytd only)* | 37.0774% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,587 |
| Loan loss allowance to noncurrent loans | 168.5159% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 1,295 |
| Noncurrent loans to loans | 0.7349% | 2,369 |
| Net loans and leases to total assets | 77.9483% | 1,248 |
| Net loans and leases to deposits | 88.4168% | 1,880 |
| Net loans and leases to core deposits | 89.8963% | 2,456 |
| Total domestic deposits to total assets | 88.1600% | 1,533 |
| Equity capital to assets | 10.8342% | 2,737 |
| Core capital (leverage) ratio | 11.0081% | 2,430 |
| Tier 1 risk-based capital ratio | 13.5501% | 3,632 |
| Total risk-based capital ratio | 14.7989% | 3,540 |
| Memoranda: | ||
| Average total assets | $968,650,500 | 789 |
| Average earning assets | $894,867,500 | 785 |
| Average equity | $105,421,500 | 806 |
| Average total loans | $770,251,500 | 717 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 579 |
| Cost of funding earning assets | 0.1655% | 5,182 |
| Net interest margin | 4.8903% | 286 |
| Noninterest income to average assets | 1.2546% | 673 |
| Noninterest expense to average assets | 3.1797% | 1,653 |
| Loan and lease loss provision to assets | 0.2146% | 921 |
| Net operating income to assets | 1.4109% | 989 |
| Return on assets (ROA) | 1.4111% | 1,008 |
| Pretax return on assets | 2.3532% | 239 |
| Return on Equity (ROE) | 13.2312% | 897 |
| Retained earnings to average equity (ytd only) | 5.3231% | 1,914 |
| Net charge-offs to loans | 0.0432% | 2,931 |
| Credit loss provision to net charge-offs | 648.4076% | 500 |
| Earnings coverage of net charge-offs (x) | 77.5605% | 788 |
| Efficiency ratio | 54.5281% | 4,903 |
| Assets per employee ($millions) | 3.5396% | 4,652 |
| Cash dividends to net income (ytd only)* | 59.7684% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,291 |
| Loan loss allowance to noncurrent loans | 171.9572% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 1,152 |
| Noncurrent loans to loans | 0.7473% | 2,337 |
| Net loans and leases to total assets | 79.1011% | 1,099 |
| Net loans and leases to deposits | 89.6729% | 1,812 |
| Net loans and leases to core deposits | 91.1020% | 2,451 |
| Total domestic deposits to total assets | 88.2106% | 1,394 |
| Equity capital to assets | 10.9342% | 2,697 |
| Core capital (leverage) ratio | 10.6398% | 2,705 |
| Tier 1 risk-based capital ratio | 13.4819% | 3,635 |
| Total risk-based capital ratio | 14.7330% | 3,547 |
| Memoranda: | ||
| Average total assets | $948,542,600 | 781 |
| Average earning assets | $871,427,400 | 777 |
| Average equity | $101,162,600 | 815 |
| Average total loans | $727,645,200 | 726 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 624 |
| Cost of funding earning assets | 0.1652% | 5,224 |
| Net interest margin | 4.8242% | 319 |
| Noninterest income to average assets | 1.2623% | 659 |
| Noninterest expense to average assets | 3.1710% | 1,635 |
| Loan and lease loss provision to assets | 0.2865% | 562 |
| Net operating income to assets | 1.4067% | 1,070 |
| Return on assets (ROA) | 1.4070% | 1,095 |
| Pretax return on assets | 2.2348% | 332 |
| Return on Equity (ROE) | 13.2765% | 992 |
| Retained earnings to average equity (ytd only) | 4.6468% | 3,118 |
| Net charge-offs to loans | 0.1289% | 1,495 |
| Credit loss provision to net charge-offs | 292.9496% | 1,014 |
| Earnings coverage of net charge-offs (x) | 25.7800% | 1,710 |
| Efficiency ratio | 54.9030% | 4,859 |
| Assets per employee ($millions) | 3.6209% | 4,558 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,452 |
| Loan loss allowance to noncurrent loans | 178.0465% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 1,190 |
| Noncurrent loans to loans | 0.7197% | 2,560 |
| Net loans and leases to total assets | 75.6602% | 1,648 |
| Net loans and leases to deposits | 85.6773% | 2,342 |
| Net loans and leases to core deposits | 87.0715% | 2,867 |
| Total domestic deposits to total assets | 88.3083% | 1,209 |
| Equity capital to assets | 10.6779% | 3,187 |
| Core capital (leverage) ratio | 10.4720% | 3,017 |
| Tier 1 risk-based capital ratio | 13.5018% | 3,700 |
| Total risk-based capital ratio | 14.7527% | 3,611 |
| Memoranda: | ||
| Average total assets | $947,637,500 | 787 |
| Average earning assets | $870,121,500 | 783 |
| Average equity | $100,425,500 | 821 |
| Average total loans | $718,812,500 | 733 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 721 |
| Cost of funding earning assets | 0.1635% | 5,252 |
| Net interest margin | 4.7215% | 376 |
| Noninterest income to average assets | 1.3327% | 598 |
| Noninterest expense to average assets | 3.1416% | 1,724 |
| Loan and lease loss provision to assets | 0.3056% | 493 |
| Net operating income to assets | 1.3994% | 1,071 |
| Return on assets (ROA) | 1.3994% | 1,093 |
| Pretax return on assets | 2.2196% | 341 |
| Return on Equity (ROE) | 13.2394% | 970 |
| Retained earnings to average equity (ytd only) | 3.2141% | 3,803 |
| Net charge-offs to loans | 0.0816% | 1,797 |
| Credit loss provision to net charge-offs | 495.5326% | 672 |
| Earnings coverage of net charge-offs (x) | 40.9450% | 1,227 |
| Efficiency ratio | 54.6152% | 4,962 |
| Assets per employee ($millions) | 3.6886% | 4,452 |
| Cash dividends to net income (ytd only)* | 75.7232% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,549 |
| Loan loss allowance to noncurrent loans | 141.8869% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 1,033 |
| Noncurrent loans to loans | 0.8981% | 2,180 |
| Net loans and leases to total assets | 74.3121% | 1,809 |
| Net loans and leases to deposits | 83.8912% | 2,492 |
| Net loans and leases to core deposits | 85.2655% | 2,950 |
| Total domestic deposits to total assets | 88.5816% | 1,164 |
| Equity capital to assets | 10.4520% | 3,401 |
| Core capital (leverage) ratio | 10.3449% | 3,082 |
| Tier 1 risk-based capital ratio | 13.7419% | 3,564 |
| Total risk-based capital ratio | 14.9930% | 3,481 |
| Memoranda: | ||
| Average total assets | $943,669,000 | 795 |
| Average earning assets | $866,256,000 | 792 |
| Average equity | $99,747,670 | 827 |
| Average total loans | $713,278,000 | 738 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 717 |
| Cost of funding earning assets | 0.1642% | 5,275 |
| Net interest margin | 4.6549% | 403 |
| Noninterest income to average assets | 1.4996% | 484 |
| Noninterest expense to average assets | 3.1503% | 1,740 |
| Loan and lease loss provision to assets | 0.4042% | 276 |
| Net operating income to assets | 1.4011% | 1,000 |
| Return on assets (ROA) | 1.4011% | 1,032 |
| Pretax return on assets | 2.2176% | 347 |
| Return on Equity (ROE) | 13.1790% | 962 |
| Retained earnings to average equity (ytd only) | 3.1095% | 3,856 |
| Net charge-offs to loans | 0.0599% | 1,735 |
| Credit loss provision to net charge-offs | 890.5660% | 358 |
| Earnings coverage of net charge-offs (x) | 57.7642% | 825 |
| Efficiency ratio | 53.7463% | 5,152 |
| Assets per employee ($millions) | 3.7195% | 4,467 |
| Cash dividends to net income (ytd only)* | 76.4059% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,795 |
| Loan loss allowance to noncurrent loans | 143.9568% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4249% | 1,163 |
| Noncurrent loans to loans | 0.8714% | 2,290 |
| Net loans and leases to total assets | 74.0358% | 1,732 |
| Net loans and leases to deposits | 84.0272% | 2,283 |
| Net loans and leases to core deposits | 85.3322% | 2,780 |
| Total domestic deposits to total assets | 88.1094% | 1,650 |
| Equity capital to assets | 10.5145% | 3,170 |
| Core capital (leverage) ratio | 10.5232% | 2,876 |
| Tier 1 risk-based capital ratio | 13.9939% | 3,486 |
| Total risk-based capital ratio | 15.2451% | 3,394 |
| Memoranda: | ||
| Average total assets | $934,142,000 | 805 |
| Average earning assets | $857,417,000 | 812 |
| Average equity | $99,309,500 | 830 |
| Average total loans | $707,590,000 | 745 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 735 |
| Cost of funding earning assets | 0.1765% | 5,241 |
| Net interest margin | 4.7284% | 404 |
| Noninterest income to average assets | 1.3692% | 612 |
| Noninterest expense to average assets | 3.2444% | 1,694 |
| Loan and lease loss provision to assets | 0.3674% | 451 |
| Net operating income to assets | 1.3368% | 1,125 |
| Return on assets (ROA) | 1.3596% | 1,128 |
| Pretax return on assets | 2.1193% | 382 |
| Return on Equity (ROE) | 12.9054% | 1,013 |
| Retained earnings to average equity (ytd only) | 6.6649% | 1,375 |
| Net charge-offs to loans | 0.4265% | 608 |
| Credit loss provision to net charge-offs | 115.4614% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.7025% | 2,978 |
| Efficiency ratio | 56.0336% | 5,068 |
| Assets per employee ($millions) | 3.4841% | 4,787 |
| Cash dividends to net income (ytd only)* | 48.3559% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,442 |
| Loan loss allowance to noncurrent loans | 126.4549% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 1,022 |
| Noncurrent loans to loans | 0.9079% | 2,280 |
| Net loans and leases to total assets | 75.6640% | 1,570 |
| Net loans and leases to deposits | 85.9278% | 2,182 |
| Net loans and leases to core deposits | 87.4198% | 2,735 |
| Total domestic deposits to total assets | 88.0553% | 1,605 |
| Equity capital to assets | 10.7513% | 2,867 |
| Core capital (leverage) ratio | 10.4179% | 2,967 |
| Tier 1 risk-based capital ratio | 13.9286% | 3,504 |
| Total risk-based capital ratio | 15.1052% | 3,456 |
| Memoranda: | ||
| Average total assets | $912,600,200 | 787 |
| Average earning assets | $834,973,800 | 790 |
| Average equity | $96,146,000 | 826 |
| Average total loans | $680,957,200 | 734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 769 |
| Cost of funding earning assets | 0.1791% | 5,271 |
| Net interest margin | 4.6958% | 433 |
| Noninterest income to average assets | 1.3358% | 659 |
| Noninterest expense to average assets | 3.2936% | 1,580 |
| Loan and lease loss provision to assets | 0.2669% | 677 |
| Net operating income to assets | 1.3355% | 1,195 |
| Return on assets (ROA) | 1.3664% | 1,202 |
| Pretax return on assets | 2.1176% | 448 |
| Return on Equity (ROE) | 13.0369% | 1,046 |
| Retained earnings to average equity (ytd only) | 6.7517% | 1,754 |
| Net charge-offs to loans | 0.3736% | 594 |
| Credit loss provision to net charge-offs | 96.3531% | 2,433 |
| Earnings coverage of net charge-offs (x) | 8.4376% | 2,768 |
| Efficiency ratio | 57.5514% | 4,882 |
| Assets per employee ($millions) | 3.5902% | 4,657 |
| Cash dividends to net income (ytd only)* | 48.2109% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,917 |
| Loan loss allowance to noncurrent loans | 112.7422% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.5961% | 1,094 |
| Noncurrent loans to loans | 0.9624% | 2,317 |
| Net loans and leases to total assets | 74.4510% | 1,797 |
| Net loans and leases to deposits | 84.3378% | 2,448 |
| Net loans and leases to core deposits | 85.8964% | 2,957 |
| Total domestic deposits to total assets | 88.2772% | 1,248 |
| Equity capital to assets | 10.5644% | 3,494 |
| Core capital (leverage) ratio | 10.3748% | 3,132 |
| Tier 1 risk-based capital ratio | 13.7011% | 3,743 |
| Total risk-based capital ratio | 14.8030% | 3,741 |
| Memoranda: | ||
| Average total assets | $910,798,500 | 791 |
| Average earning assets | $833,010,000 | 791 |
| Average equity | $95,459,750 | 835 |
| Average total loans | $675,185,000 | 738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 784 |
| Cost of funding earning assets | 0.1823% | 5,299 |
| Net interest margin | 4.6779% | 437 |
| Noninterest income to average assets | 1.3184% | 655 |
| Noninterest expense to average assets | 3.2845% | 1,624 |
| Loan and lease loss provision to assets | 0.2531% | 760 |
| Net operating income to assets | 1.3411% | 1,189 |
| Return on assets (ROA) | 1.3752% | 1,176 |
| Pretax return on assets | 2.1070% | 464 |
| Return on Equity (ROE) | 13.1564% | 992 |
| Retained earnings to average equity (ytd only) | 6.8180% | 1,708 |
| Net charge-offs to loans | 0.4501% | 502 |
| Credit loss provision to net charge-offs | 76.2475% | 2,408 |
| Earnings coverage of net charge-offs (x) | 6.9528% | 2,687 |
| Efficiency ratio | 57.7775% | 4,931 |
| Assets per employee ($millions) | 3.5124% | 4,736 |
| Cash dividends to net income (ytd only)* | 48.1773% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 4,006 |
| Loan loss allowance to noncurrent loans | 73.0843% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 814 |
| Noncurrent loans to loans | 1.4892% | 1,471 |
| Net loans and leases to total assets | 72.1398% | 2,142 |
| Net loans and leases to deposits | 81.5874% | 2,754 |
| Net loans and leases to core deposits | 82.8694% | 3,185 |
| Total domestic deposits to total assets | 88.4202% | 1,215 |
| Equity capital to assets | 10.5109% | 3,621 |
| Core capital (leverage) ratio | 10.2130% | 3,321 |
| Tier 1 risk-based capital ratio | 14.0704% | 3,562 |
| Total risk-based capital ratio | 15.1784% | 3,564 |
| Memoranda: | ||
| Average total assets | $905,638,330 | 800 |
| Average earning assets | $827,427,330 | 798 |
| Average equity | $94,661,000 | 840 |
| Average total loans | $667,850,330 | 742 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 781 |
| Cost of funding earning assets | 0.1863% | 5,314 |
| Net interest margin | 4.6534% | 459 |
| Noninterest income to average assets | 1.3203% | 631 |
| Noninterest expense to average assets | 3.2703% | 1,666 |
| Loan and lease loss provision to assets | 0.2360% | 772 |
| Net operating income to assets | 1.3043% | 1,242 |
| Return on assets (ROA) | 1.3043% | 1,323 |
| Pretax return on assets | 2.0660% | 499 |
| Return on Equity (ROE) | 12.5143% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.1186% | 2,322 |
| Net charge-offs to loans | 0.1360% | 1,293 |
| Credit loss provision to net charge-offs | 233.9207% | 983 |
| Earnings coverage of net charge-offs (x) | 22.8194% | 1,392 |
| Efficiency ratio | 57.7239% | 5,030 |
| Assets per employee ($millions) | 3.5926% | 4,663 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,565 |
| Loan loss allowance to noncurrent loans | 97.0534% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7634% | 1,064 |
| Noncurrent loans to loans | 1.2220% | 1,982 |
| Net loans and leases to total assets | 72.7650% | 1,909 |
| Net loans and leases to deposits | 82.3034% | 2,509 |
| Net loans and leases to core deposits | 83.6345% | 2,965 |
| Total domestic deposits to total assets | 88.4107% | 1,401 |
| Equity capital to assets | 10.4167% | 3,593 |
| Core capital (leverage) ratio | 10.1992% | 3,314 |
| Tier 1 risk-based capital ratio | 13.7025% | 3,865 |
| Total risk-based capital ratio | 14.9009% | 3,831 |
| Memoranda: | ||
| Average total assets | $900,088,500 | 806 |
| Average earning assets | $822,456,500 | 811 |
| Average equity | $93,813,000 | 843 |
| Average total loans | $667,470,500 | 744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 838 |
| Cost of funding earning assets | 0.2101% | 5,189 |
| Net interest margin | 4.6475% | 499 |
| Noninterest income to average assets | 1.3170% | 696 |
| Noninterest expense to average assets | 3.3633% | 1,566 |
| Loan and lease loss provision to assets | 0.2891% | 606 |
| Net operating income to assets | 1.2031% | 1,535 |
| Return on assets (ROA) | 1.2032% | 1,609 |
| Pretax return on assets | 1.8846% | 677 |
| Return on Equity (ROE) | 11.8547% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,040 |
| Net charge-offs to loans | 0.5067% | 513 |
| Credit loss provision to net charge-offs | 78.3546% | 2,980 |
| Earnings coverage of net charge-offs (x) | 5.8913% | 3,310 |
| Efficiency ratio | 59.6775% | 4,951 |
| Assets per employee ($millions) | 3.3888% | 4,997 |
| Cash dividends to net income (ytd only)* | 53.0627% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,770 |
| Loan loss allowance to noncurrent loans | 107.1739% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.8078% | 1,050 |
| Noncurrent loans to loans | 1.0701% | 2,204 |
| Net loans and leases to total assets | 73.8276% | 1,759 |
| Net loans and leases to deposits | 83.5216% | 2,416 |
| Net loans and leases to core deposits | 85.0201% | 2,878 |
| Total domestic deposits to total assets | 88.3934% | 1,427 |
| Equity capital to assets | 10.4287% | 3,447 |
| Core capital (leverage) ratio | 9.9560% | 3,570 |
| Tier 1 risk-based capital ratio | 13.1528% | 4,203 |
| Total risk-based capital ratio | 14.2900% | 4,194 |
| Memoranda: | ||
| Average total assets | $892,819,200 | 774 |
| Average earning assets | $810,672,200 | 771 |
| Average equity | $90,613,800 | 840 |
| Average total loans | $650,145,000 | 719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 859 |
| Cost of funding earning assets | 0.2144% | 5,240 |
| Net interest margin | 4.6321% | 515 |
| Noninterest income to average assets | 1.1256% | 951 |
| Noninterest expense to average assets | 3.1578% | 2,067 |
| Loan and lease loss provision to assets | 0.3087% | 463 |
| Net operating income to assets | 1.1956% | 1,665 |
| Return on assets (ROA) | 1.1957% | 1,729 |
| Pretax return on assets | 1.8617% | 781 |
| Return on Equity (ROE) | 11.8623% | 1,411 |
| Retained earnings to average equity (ytd only) | 5.6424% | 2,496 |
| Net charge-offs to loans | 0.5508% | 419 |
| Credit loss provision to net charge-offs | 77.4532% | 2,652 |
| Earnings coverage of net charge-offs (x) | 5.4453% | 3,202 |
| Efficiency ratio | 58.1582% | 5,101 |
| Assets per employee ($millions) | 3.3749% | 5,022 |
| Cash dividends to net income (ytd only)* | 52.4345% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 3,718 |
| Loan loss allowance to noncurrent loans | 61.1818% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5537% | 664 |
| Noncurrent loans to loans | 1.9436% | 1,194 |
| Net loans and leases to total assets | 72.2332% | 2,022 |
| Net loans and leases to deposits | 81.5035% | 2,707 |
| Net loans and leases to core deposits | 83.2956% | 3,121 |
| Total domestic deposits to total assets | 88.6259% | 1,223 |
| Equity capital to assets | 10.3308% | 3,778 |
| Core capital (leverage) ratio | 9.7876% | 3,915 |
| Tier 1 risk-based capital ratio | 13.1173% | 4,369 |
| Total risk-based capital ratio | 14.2849% | 4,329 |
| Memoranda: | ||
| Average total assets | $893,211,250 | 779 |
| Average earning assets | $810,350,000 | 775 |
| Average equity | $90,030,750 | 852 |
| Average total loans | $646,275,500 | 730 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 860 |
| Cost of funding earning assets | 0.2180% | 5,281 |
| Net interest margin | 4.6007% | 532 |
| Noninterest income to average assets | 1.1162% | 970 |
| Noninterest expense to average assets | 3.1693% | 2,065 |
| Loan and lease loss provision to assets | 0.3188% | 449 |
| Net operating income to assets | 1.1722% | 1,689 |
| Return on assets (ROA) | 1.1723% | 1,760 |
| Pretax return on assets | 1.8012% | 893 |
| Return on Equity (ROE) | 11.7280% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.6849% | 2,418 |
| Net charge-offs to loans | 0.3584% | 729 |
| Credit loss provision to net charge-offs | 123.3766% | 1,763 |
| Earnings coverage of net charge-offs (x) | 8.2035% | 2,587 |
| Efficiency ratio | 58.8088% | 5,135 |
| Assets per employee ($millions) | 3.2487% | 5,250 |
| Cash dividends to net income (ytd only)* | 51.5267% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 3,178 |
| Loan loss allowance to noncurrent loans | 64.8285% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.6380% | 690 |
| Noncurrent loans to loans | 2.0252% | 1,194 |
| Net loans and leases to total assets | 71.7194% | 2,041 |
| Net loans and leases to deposits | 80.6798% | 2,699 |
| Net loans and leases to core deposits | 82.4203% | 3,130 |
| Total domestic deposits to total assets | 88.8938% | 1,192 |
| Equity capital to assets | 10.0234% | 4,011 |
| Core capital (leverage) ratio | 9.6129% | 4,121 |
| Tier 1 risk-based capital ratio | 12.7675% | 4,644 |
| Total risk-based capital ratio | 14.0247% | 4,555 |
| Memoranda: | ||
| Average total assets | $893,954,330 | 784 |
| Average earning assets | $810,829,000 | 780 |
| Average equity | $89,359,000 | 861 |
| Average total loans | $644,590,670 | 729 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 958 |
| Cost of funding earning assets | 0.2244% | 5,276 |
| Net interest margin | 4.5188% | 588 |
| Noninterest income to average assets | 1.0731% | 980 |
| Noninterest expense to average assets | 3.0809% | 2,335 |
| Loan and lease loss provision to assets | 0.3166% | 433 |
| Net operating income to assets | 1.1097% | 1,838 |
| Return on assets (ROA) | 1.1100% | 1,944 |
| Pretax return on assets | 1.7707% | 916 |
| Return on Equity (ROE) | 11.1201% | 1,603 |
| Retained earnings to average equity (ytd only) | 5.7133% | 2,652 |
| Net charge-offs to loans | 0.2987% | 799 |
| Credit loss provision to net charge-offs | 147.5891% | 1,263 |
| Earnings coverage of net charge-offs (x) | 9.7275% | 1,988 |
| Efficiency ratio | 58.4682% | 5,287 |
| Assets per employee ($millions) | 3.1181% | 5,524 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 3,285 |
| Loan loss allowance to noncurrent loans | 54.9827% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.9635% | 639 |
| Noncurrent loans to loans | 2.4078% | 1,022 |
| Net loans and leases to total assets | 71.1651% | 1,953 |
| Net loans and leases to deposits | 80.0255% | 2,555 |
| Net loans and leases to core deposits | 81.6959% | 2,989 |
| Total domestic deposits to total assets | 88.9280% | 1,319 |
| Equity capital to assets | 9.9820% | 4,171 |
| Core capital (leverage) ratio | 9.5696% | 4,181 |
| Tier 1 risk-based capital ratio | 12.6720% | 4,798 |
| Total risk-based capital ratio | 13.9224% | 4,718 |
| Memoranda: | ||
| Average total assets | $889,362,500 | 789 |
| Average earning assets | $805,872,500 | 788 |
| Average equity | $88,776,000 | 872 |
| Average total loans | $638,715,000 | 728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 1,005 |
| Cost of funding earning assets | 0.2658% | 5,151 |
| Net interest margin | 4.5880% | 627 |
| Noninterest income to average assets | 0.9195% | 1,445 |
| Noninterest expense to average assets | 3.2520% | 2,069 |
| Loan and lease loss provision to assets | 0.2051% | 1,225 |
| Net operating income to assets | 1.0172% | 2,307 |
| Return on assets (ROA) | 1.0140% | 2,398 |
| Pretax return on assets | 1.5725% | 1,311 |
| Return on Equity (ROE) | 10.2500% | 2,009 |
| Retained earnings to average equity (ytd only) | -0.2445% | 5,809 |
| Net charge-offs to loans | 0.3967% | 1,080 |
| Credit loss provision to net charge-offs | 75.3562% | 2,961 |
| Earnings coverage of net charge-offs (x) | 6.5482% | 3,178 |
| Efficiency ratio | 63.3135% | 4,700 |
| Assets per employee ($millions) | 3.0902% | 5,575 |
| Cash dividends to net income (ytd only)* | 102.3852% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 3,293 |
| Loan loss allowance to noncurrent loans | 195.8011% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 1,330 |
| Noncurrent loans to loans | 0.6769% | 3,650 |
| Net loans and leases to total assets | 70.5607% | 2,148 |
| Net loans and leases to deposits | 79.4066% | 2,795 |
| Net loans and leases to core deposits | 81.2474% | 3,172 |
| Total domestic deposits to total assets | 88.8600% | 1,314 |
| Equity capital to assets | 9.9820% | 4,133 |
| Core capital (leverage) ratio | 9.3071% | 4,529 |
| Tier 1 risk-based capital ratio | 13.0314% | 4,712 |
| Total risk-based capital ratio | 14.2825% | 4,622 |
| Memoranda: | ||
| Average total assets | $876,494,800 | 762 |
| Average earning assets | $786,158,600 | 776 |
| Average equity | $86,712,200 | 854 |
| Average total loans | $601,492,400 | 732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,084 |
| Cost of funding earning assets | 0.2744% | 5,162 |
| Net interest margin | 4.5357% | 693 |
| Noninterest income to average assets | 0.8628% | 1,653 |
| Noninterest expense to average assets | 3.2391% | 2,057 |
| Loan and lease loss provision to assets | 0.1447% | 1,731 |
| Net operating income to assets | 0.9956% | 2,465 |
| Return on assets (ROA) | 0.9913% | 2,553 |
| Pretax return on assets | 1.5337% | 1,531 |
| Return on Equity (ROE) | 10.0431% | 2,201 |
| Retained earnings to average equity (ytd only) | -2.4548% | 6,110 |
| Net charge-offs to loans | 0.3997% | 993 |
| Credit loss provision to net charge-offs | 53.3109% | 3,054 |
| Earnings coverage of net charge-offs (x) | 6.2082% | 3,123 |
| Efficiency ratio | 64.4737% | 4,470 |
| Assets per employee ($millions) | 3.2091% | 5,409 |
| Cash dividends to net income (ytd only)* | 124.4431% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 3,599 |
| Loan loss allowance to noncurrent loans | 122.7169% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.3767% | 1,145 |
| Noncurrent loans to loans | 1.0672% | 2,940 |
| Net loans and leases to total assets | 69.9553% | 2,201 |
| Net loans and leases to deposits | 78.7157% | 2,870 |
| Net loans and leases to core deposits | 80.7249% | 3,225 |
| Total domestic deposits to total assets | 88.8708% | 1,319 |
| Equity capital to assets | 9.8809% | 4,320 |
| Core capital (leverage) ratio | 9.1639% | 4,828 |
| Tier 1 risk-based capital ratio | 12.8678% | 4,940 |
| Total risk-based capital ratio | 14.1186% | 4,859 |
| Memoranda: | ||
| Average total assets | $875,439,000 | 765 |
| Average earning assets | $783,857,000 | 785 |
| Average equity | $86,412,000 | 858 |
| Average total loans | $594,418,500 | 741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 1,174 |
| Cost of funding earning assets | 0.2801% | 5,182 |
| Net interest margin | 4.4701% | 750 |
| Noninterest income to average assets | 0.8465% | 1,677 |
| Noninterest expense to average assets | 3.2090% | 2,166 |
| Loan and lease loss provision to assets | 0.1340% | 1,845 |
| Net operating income to assets | 0.9843% | 2,390 |
| Return on assets (ROA) | 0.9921% | 2,429 |
| Pretax return on assets | 1.5118% | 1,501 |
| Return on Equity (ROE) | 10.0547% | 2,127 |
| Retained earnings to average equity (ytd only) | -6.3677% | 6,315 |
| Net charge-offs to loans | 0.6740% | 567 |
| Credit loss provision to net charge-offs | 29.7065% | 3,060 |
| Earnings coverage of net charge-offs (x) | 3.6230% | 3,256 |
| Efficiency ratio | 64.9324% | 4,546 |
| Assets per employee ($millions) | 3.2308% | 5,374 |
| Cash dividends to net income (ytd only)* | 163.3310% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 4,081 |
| Loan loss allowance to noncurrent loans | 87.8054% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.7939% | 937 |
| Noncurrent loans to loans | 1.4362% | 2,404 |
| Net loans and leases to total assets | 67.2351% | 2,541 |
| Net loans and leases to deposits | 75.3679% | 3,144 |
| Net loans and leases to core deposits | 77.2940% | 3,512 |
| Total domestic deposits to total assets | 89.2092% | 1,243 |
| Equity capital to assets | 9.6816% | 4,514 |
| Core capital (leverage) ratio | 8.9465% | 5,098 |
| Tier 1 risk-based capital ratio | 12.7854% | 5,047 |
| Total risk-based capital ratio | 14.0192% | 4,995 |
| Memoranda: | ||
| Average total assets | $876,297,000 | 767 |
| Average earning assets | $783,426,670 | 786 |
| Average equity | $86,467,000 | 849 |
| Average total loans | $586,318,670 | 743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 1,257 |
| Cost of funding earning assets | 0.2826% | 5,251 |
| Net interest margin | 4.4174% | 775 |
| Noninterest income to average assets | 0.9206% | 1,332 |
| Noninterest expense to average assets | 3.2336% | 2,117 |
| Loan and lease loss provision to assets | 0.2400% | 919 |
| Net operating income to assets | 0.9652% | 2,334 |
| Return on assets (ROA) | 0.9810% | 2,340 |
| Pretax return on assets | 1.4212% | 1,677 |
| Return on Equity (ROE) | 9.8485% | 2,098 |
| Retained earnings to average equity (ytd only) | 1.1290% | 5,152 |
| Net charge-offs to loans | 0.9781% | 344 |
| Credit loss provision to net charge-offs | 36.9979% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.5257% | 2,858 |
| Efficiency ratio | 65.0497% | 4,682 |
| Assets per employee ($millions) | 3.0519% | 5,774 |
| Cash dividends to net income (ytd only)* | 88.5368% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,675 |
| Loan loss allowance to noncurrent loans | 87.2599% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.8343% | 1,034 |
| Noncurrent loans to loans | 1.5880% | 2,432 |
| Net loans and leases to total assets | 64.4356% | 2,821 |
| Net loans and leases to deposits | 72.5121% | 3,269 |
| Net loans and leases to core deposits | 74.5510% | 3,581 |
| Total domestic deposits to total assets | 88.8618% | 1,745 |
| Equity capital to assets | 9.8538% | 4,027 |
| Core capital (leverage) ratio | 9.4627% | 4,334 |
| Tier 1 risk-based capital ratio | 13.6873% | 4,546 |
| Total risk-based capital ratio | 14.9385% | 4,502 |
| Memoranda: | ||
| Average total assets | $875,057,000 | 776 |
| Average earning assets | $782,727,500 | 793 |
| Average equity | $87,160,500 | 841 |
| Average total loans | $580,281,500 | 753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 1,047 |
| Cost of funding earning assets | 0.3206% | 5,418 |
| Net interest margin | 4.6037% | 607 |
| Noninterest income to average assets | 0.8538% | 1,856 |
| Noninterest expense to average assets | 3.1436% | 2,612 |
| Loan and lease loss provision to assets | 0.3868% | 780 |
| Net operating income to assets | 1.0245% | 2,229 |
| Return on assets (ROA) | 1.0495% | 2,191 |
| Pretax return on assets | 1.4882% | 1,483 |
| Return on Equity (ROE) | 10.4287% | 1,944 |
| Retained earnings to average equity (ytd only) | 0.5106% | 5,612 |
| Net charge-offs to loans | 0.5108% | 1,291 |
| Credit loss provision to net charge-offs | 113.3644% | 2,130 |
| Earnings coverage of net charge-offs (x) | 5.3920% | 3,313 |
| Efficiency ratio | 61.7130% | 5,254 |
| Assets per employee ($millions) | 3.0568% | 5,749 |
| Cash dividends to net income (ytd only)* | 95.1043% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,007 |
| Loan loss allowance to noncurrent loans | 60.8983% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.4623% | 850 |
| Noncurrent loans to loans | 2.5285% | 1,484 |
| Net loans and leases to total assets | 66.2790% | 2,654 |
| Net loans and leases to deposits | 74.7643% | 3,138 |
| Net loans and leases to core deposits | 77.2059% | 3,465 |
| Total domestic deposits to total assets | 88.6507% | 1,827 |
| Equity capital to assets | 10.0706% | 3,665 |
| Core capital (leverage) ratio | 9.2971% | 4,556 |
| Tier 1 risk-based capital ratio | 13.5150% | 4,643 |
| Total risk-based capital ratio | 14.7679% | 4,586 |
| Memoranda: | ||
| Average total assets | $881,626,000 | 746 |
| Average earning assets | $790,827,000 | 765 |
| Average equity | $88,726,600 | 794 |
| Average total loans | $588,897,800 | 707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 1,092 |
| Cost of funding earning assets | 0.3254% | 5,502 |
| Net interest margin | 4.5890% | 633 |
| Noninterest income to average assets | 0.8804% | 1,820 |
| Noninterest expense to average assets | 3.1126% | 2,610 |
| Loan and lease loss provision to assets | 0.4053% | 740 |
| Net operating income to assets | 1.0656% | 2,132 |
| Return on assets (ROA) | 1.0992% | 2,081 |
| Pretax return on assets | 1.5256% | 1,532 |
| Return on Equity (ROE) | 10.9243% | 1,846 |
| Retained earnings to average equity (ytd only) | 4.4974% | 3,474 |
| Net charge-offs to loans | 0.6014% | 1,039 |
| Credit loss provision to net charge-offs | 101.0878% | 2,313 |
| Earnings coverage of net charge-offs (x) | 4.6992% | 3,374 |
| Efficiency ratio | 60.9349% | 5,292 |
| Assets per employee ($millions) | 3.1168% | 5,643 |
| Cash dividends to net income (ytd only)* | 58.8316% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,545 |
| Loan loss allowance to noncurrent loans | 60.5859% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.1768% | 1,133 |
| Noncurrent loans to loans | 2.4405% | 1,786 |
| Net loans and leases to total assets | 64.0002% | 3,001 |
| Net loans and leases to deposits | 72.2090% | 3,483 |
| Net loans and leases to core deposits | 74.4342% | 3,790 |
| Total domestic deposits to total assets | 88.6320% | 1,761 |
| Equity capital to assets | 10.0754% | 3,800 |
| Core capital (leverage) ratio | 9.5134% | 4,379 |
| Tier 1 risk-based capital ratio | 14.0030% | 4,432 |
| Total risk-based capital ratio | 15.2554% | 4,383 |
| Memoranda: | ||
| Average total assets | $886,528,500 | 750 |
| Average earning assets | $795,215,000 | 763 |
| Average equity | $89,205,750 | 797 |
| Average total loans | $591,054,500 | 706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 1,162 |
| Cost of funding earning assets | 0.3251% | 5,613 |
| Net interest margin | 4.5492% | 650 |
| Noninterest income to average assets | 0.9156% | 1,762 |
| Noninterest expense to average assets | 3.1072% | 2,642 |
| Loan and lease loss provision to assets | 0.4283% | 700 |
| Net operating income to assets | 1.1318% | 1,808 |
| Return on assets (ROA) | 1.1633% | 1,801 |
| Pretax return on assets | 1.5034% | 1,607 |
| Return on Equity (ROE) | 11.5659% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.3975% | 2,204 |
| Net charge-offs to loans | 0.4749% | 1,392 |
| Credit loss provision to net charge-offs | 134.1118% | 1,692 |
| Earnings coverage of net charge-offs (x) | 5.9207% | 2,804 |
| Efficiency ratio | 60.8076% | 5,361 |
| Assets per employee ($millions) | 3.1131% | 5,651 |
| Cash dividends to net income (ytd only)* | 44.6862% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,442 |
| Loan loss allowance to noncurrent loans | 70.6339% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 1,410 |
| Noncurrent loans to loans | 2.1672% | 2,218 |
| Net loans and leases to total assets | 65.8231% | 2,623 |
| Net loans and leases to deposits | 74.4370% | 3,081 |
| Net loans and leases to core deposits | 77.2814% | 3,390 |
| Total domestic deposits to total assets | 88.4279% | 1,965 |
| Equity capital to assets | 10.2271% | 3,630 |
| Core capital (leverage) ratio | 9.3964% | 4,394 |
| Tier 1 risk-based capital ratio | 13.8401% | 4,534 |
| Total risk-based capital ratio | 15.0933% | 4,502 |
| Memoranda: | ||
| Average total assets | $884,902,670 | 747 |
| Average earning assets | $794,124,000 | 767 |
| Average equity | $89,003,330 | 795 |
| Average total loans | $595,051,330 | 699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 1,136 |
| Cost of funding earning assets | 0.3230% | 5,779 |
| Net interest margin | 4.5562% | 612 |
| Noninterest income to average assets | 0.9526% | 1,606 |
| Noninterest expense to average assets | 3.0972% | 2,686 |
| Loan and lease loss provision to assets | 0.5706% | 452 |
| Net operating income to assets | 1.3122% | 1,250 |
| Return on assets (ROA) | 1.3148% | 1,348 |
| Pretax return on assets | 1.3851% | 1,908 |
| Return on Equity (ROE) | 13.1818% | 1,120 |
| Retained earnings to average equity (ytd only) | 2.7811% | 4,618 |
| Net charge-offs to loans | 0.2909% | 1,801 |
| Credit loss provision to net charge-offs | 290.8046% | 825 |
| Earnings coverage of net charge-offs (x) | 9.9540% | 1,788 |
| Efficiency ratio | 59.9893% | 5,589 |
| Assets per employee ($millions) | 3.1957% | 5,637 |
| Cash dividends to net income (ytd only)* | 78.9022% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 3,563 |
| Loan loss allowance to noncurrent loans | 80.1627% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 1,771 |
| Noncurrent loans to loans | 1.9489% | 2,678 |
| Net loans and leases to total assets | 66.1681% | 2,344 |
| Net loans and leases to deposits | 74.6470% | 2,827 |
| Net loans and leases to core deposits | 77.3053% | 3,156 |
| Total domestic deposits to total assets | 88.6413% | 1,904 |
| Equity capital to assets | 9.9557% | 4,201 |
| Core capital (leverage) ratio | 9.1409% | 4,650 |
| Tier 1 risk-based capital ratio | 13.3297% | 4,987 |
| Total risk-based capital ratio | 14.5835% | 4,938 |
| Memoranda: | ||
| Average total assets | $886,856,500 | 750 |
| Average earning assets | $797,603,000 | 770 |
| Average equity | $88,455,000 | 812 |
| Average total loans | $598,120,500 | 691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 1,274 |
| Cost of funding earning assets | 0.4172% | 5,808 |
| Net interest margin | 4.6980% | 650 |
| Noninterest income to average assets | 0.9548% | 1,684 |
| Noninterest expense to average assets | 3.2006% | 2,613 |
| Loan and lease loss provision to assets | 0.4677% | 1,334 |
| Net operating income to assets | 0.9495% | 2,550 |
| Return on assets (ROA) | 1.0068% | 2,524 |
| Pretax return on assets | 1.5861% | 1,422 |
| Return on Equity (ROE) | 10.1024% | 2,129 |
| Retained earnings to average equity (ytd only) | -3.4692% | 6,303 |
| Net charge-offs to loans | 0.5037% | 2,229 |
| Credit loss provision to net charge-offs | 132.8364% | 2,113 |
| Earnings coverage of net charge-offs (x) | 5.5795% | 3,000 |
| Efficiency ratio | 60.5513% | 5,458 |
| Assets per employee ($millions) | 3.1280% | 5,792 |
| Cash dividends to net income (ytd only)* | 134.3403% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,015 |
| Loan loss allowance to noncurrent loans | 60.0493% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.7700% | 1,737 |
| Noncurrent loans to loans | 2.3805% | 2,250 |
| Net loans and leases to total assets | 66.7024% | 2,422 |
| Net loans and leases to deposits | 75.1440% | 2,930 |
| Net loans and leases to core deposits | 78.0040% | 3,260 |
| Total domestic deposits to total assets | 88.7661% | 1,722 |
| Equity capital to assets | 9.9925% | 4,171 |
| Core capital (leverage) ratio | 9.2848% | 4,443 |
| Tier 1 risk-based capital ratio | 13.5397% | 4,724 |
| Total risk-based capital ratio | 14.7920% | 4,670 |
| Memoranda: | ||
| Average total assets | $743,073,200 | 895 |
| Average earning assets | $665,897,600 | 904 |
| Average equity | $74,051,800 | 957 |
| Average total loans | $519,333,800 | 797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 1,640 |
| Cost of funding earning assets | 0.4350% | 5,902 |
| Net interest margin | 4.5859% | 844 |
| Noninterest income to average assets | 0.9737% | 1,586 |
| Noninterest expense to average assets | 3.1908% | 2,595 |
| Loan and lease loss provision to assets | 0.3661% | 1,777 |
| Net operating income to assets | 0.9591% | 2,709 |
| Return on assets (ROA) | 1.0118% | 2,671 |
| Pretax return on assets | 1.6051% | 1,561 |
| Return on Equity (ROE) | 10.1611% | 2,273 |
| Retained earnings to average equity (ytd only) | -5.0569% | 6,619 |
| Net charge-offs to loans | 0.5827% | 1,879 |
| Credit loss provision to net charge-offs | 89.0160% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.5927% | 3,260 |
| Efficiency ratio | 61.3874% | 5,245 |
| Assets per employee ($millions) | 3.3271% | 5,375 |
| Cash dividends to net income (ytd only)* | 149.7675% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,161 |
| Loan loss allowance to noncurrent loans | 59.6821% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.6595% | 1,981 |
| Noncurrent loans to loans | 2.0558% | 2,787 |
| Net loans and leases to total assets | 68.1340% | 2,272 |
| Net loans and leases to deposits | 76.9858% | 2,819 |
| Net loans and leases to core deposits | 79.7073% | 3,240 |
| Total domestic deposits to total assets | 88.5020% | 1,723 |
| Equity capital to assets | 10.0609% | 4,402 |
| Core capital (leverage) ratio | 9.1569% | 4,820 |
| Tier 1 risk-based capital ratio | 13.1948% | 5,098 |
| Total risk-based capital ratio | 14.4147% | 5,088 |
| Memoranda: | ||
| Average total assets | $708,314,250 | 936 |
| Average earning assets | $634,183,500 | 956 |
| Average equity | $70,528,500 | 1,003 |
| Average total loans | $499,937,000 | 831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4024% | 866 |
| Cost of funding earning assets | 0.4859% | 5,720 |
| Net interest margin | 4.9165% | 455 |
| Noninterest income to average assets | 1.0905% | 1,204 |
| Noninterest expense to average assets | 3.4523% | 1,902 |
| Loan and lease loss provision to assets | 0.4205% | 1,555 |
| Net operating income to assets | 1.0102% | 2,421 |
| Return on assets (ROA) | 1.0960% | 2,286 |
| Pretax return on assets | 1.7402% | 1,161 |
| Return on Equity (ROE) | 11.0590% | 1,973 |
| Retained earnings to average equity (ytd only) | -9.5353% | 6,825 |
| Net charge-offs to loans | 0.4339% | 2,303 |
| Credit loss provision to net charge-offs | 135.9127% | 2,025 |
| Earnings coverage of net charge-offs (x) | 6.5506% | 2,619 |
| Efficiency ratio | 61.5708% | 5,317 |
| Assets per employee ($millions) | 2.8406% | 6,340 |
| Cash dividends to net income (ytd only)* | 186.2223% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,377 |
| Loan loss allowance to noncurrent loans | 158.9554% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 2.0205% | 2,752 |
| Noncurrent loans to loans | 0.8946% | 4,706 |
| Net loans and leases to total assets | 70.7192% | 1,783 |
| Net loans and leases to deposits | 79.9750% | 2,387 |
| Net loans and leases to core deposits | 82.5573% | 2,891 |
| Total domestic deposits to total assets | 88.4267% | 1,865 |
| Equity capital to assets | 9.7168% | 4,738 |
| Core capital (leverage) ratio | 9.0029% | 4,915 |
| Tier 1 risk-based capital ratio | 12.1772% | 5,815 |
| Total risk-based capital ratio | 13.4293% | 5,789 |
| Memoranda: | ||
| Average total assets | $651,631,670 | 1,016 |
| Average earning assets | $581,631,330 | 1,039 |
| Average equity | $64,581,000 | 1,094 |
| Average total loans | $464,617,000 | 883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3591% | 988 |
| Cost of funding earning assets | 0.5049% | 5,784 |
| Net interest margin | 4.8541% | 503 |
| Noninterest income to average assets | 0.9183% | 1,673 |
| Noninterest expense to average assets | 3.4359% | 1,923 |
| Loan and lease loss provision to assets | 0.2704% | 2,293 |
| Net operating income to assets | 0.9754% | 2,575 |
| Return on assets (ROA) | 0.9785% | 2,768 |
| Pretax return on assets | 1.5483% | 1,747 |
| Return on Equity (ROE) | 9.7774% | 2,476 |
| Retained earnings to average equity (ytd only) | -21.8518% | 7,067 |
| Net charge-offs to loans | 0.6001% | 1,589 |
| Credit loss provision to net charge-offs | 63.4006% | 3,049 |
| Earnings coverage of net charge-offs (x) | 4.2522% | 2,619 |
| Efficiency ratio | 63.9504% | 4,934 |
| Assets per employee ($millions) | 2.8695% | 6,406 |
| Cash dividends to net income (ytd only)* | 323.4925% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,963 |
| Loan loss allowance to noncurrent loans | 110.0018% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.2675% | 2,627 |
| Noncurrent loans to loans | 1.1940% | 4,339 |
| Net loans and leases to total assets | 68.8634% | 1,961 |
| Net loans and leases to deposits | 78.3350% | 2,442 |
| Net loans and leases to core deposits | 81.2752% | 2,921 |
| Total domestic deposits to total assets | 87.9089% | 2,384 |
| Equity capital to assets | 9.6090% | 4,639 |
| Core capital (leverage) ratio | 8.9005% | 4,994 |
| Tier 1 risk-based capital ratio | 11.9714% | 5,978 |
| Total risk-based capital ratio | 13.2216% | 5,974 |
| Memoranda: | ||
| Average total assets | $650,777,500 | 1,019 |
| Average earning assets | $580,699,000 | 1,041 |
| Average equity | $65,129,500 | 1,079 |
| Average total loans | $462,574,500 | 887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 1,326 |
| Cost of funding earning assets | 0.6580% | 5,779 |
| Net interest margin | 4.7816% | 651 |
| Noninterest income to average assets | 0.9408% | 1,534 |
| Noninterest expense to average assets | 3.4326% | 2,163 |
| Loan and lease loss provision to assets | 0.7560% | 1,330 |
| Net operating income to assets | 0.6615% | 3,689 |
| Return on assets (ROA) | 0.6735% | 3,809 |
| Pretax return on assets | 1.0415% | 3,071 |
| Return on Equity (ROE) | 6.7311% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.0085% | 4,784 |
| Net charge-offs to loans | 1.0645% | 1,627 |
| Credit loss provision to net charge-offs | 100.3814% | 3,482 |
| Earnings coverage of net charge-offs (x) | 2.3622% | 4,038 |
| Efficiency ratio | 64.2799% | 5,074 |
| Assets per employee ($millions) | 2.8770% | 6,324 |
| Cash dividends to net income (ytd only)* | 70.1617% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,641 |
| Loan loss allowance to noncurrent loans | 87.5782% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5475% | 2,381 |
| Noncurrent loans to loans | 1.5490% | 3,834 |
| Net loans and leases to total assets | 71.4356% | 1,739 |
| Net loans and leases to deposits | 81.5584% | 2,264 |
| Net loans and leases to core deposits | 84.9303% | 2,756 |
| Total domestic deposits to total assets | 87.5882% | 2,415 |
| Equity capital to assets | 10.4184% | 3,627 |
| Core capital (leverage) ratio | 9.4755% | 4,065 |
| Tier 1 risk-based capital ratio | 12.5706% | 5,389 |
| Total risk-based capital ratio | 13.8215% | 5,382 |
| Memoranda: | ||
| Average total assets | $661,358,000 | 979 |
| Average earning assets | $590,724,800 | 997 |
| Average equity | $66,170,400 | 1,017 |
| Average total loans | $467,929,800 | 893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 1,465 |
| Cost of funding earning assets | 0.6868% | 5,840 |
| Net interest margin | 4.7296% | 711 |
| Noninterest income to average assets | 1.0009% | 1,339 |
| Noninterest expense to average assets | 3.4124% | 2,159 |
| Loan and lease loss provision to assets | 0.8404% | 1,093 |
| Net operating income to assets | 0.6257% | 3,987 |
| Return on assets (ROA) | 0.6413% | 4,095 |
| Pretax return on assets | 0.9999% | 3,407 |
| Return on Equity (ROE) | 6.4743% | 3,786 |
| Retained earnings to average equity (ytd only) | 2.1817% | 5,032 |
| Net charge-offs to loans | 1.2066% | 1,296 |
| Credit loss provision to net charge-offs | 99.0099% | 3,448 |
| Earnings coverage of net charge-offs (x) | 2.1393% | 4,062 |
| Efficiency ratio | 63.7018% | 5,122 |
| Assets per employee ($millions) | 3.0128% | 6,090 |
| Cash dividends to net income (ytd only)* | 66.3025% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,805 |
| Loan loss allowance to noncurrent loans | 113.4084% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 2.5941% | 2,488 |
| Noncurrent loans to loans | 1.1841% | 4,564 |
| Net loans and leases to total assets | 70.4678% | 1,987 |
| Net loans and leases to deposits | 80.3849% | 2,602 |
| Net loans and leases to core deposits | 84.0604% | 3,056 |
| Total domestic deposits to total assets | 87.6629% | 2,259 |
| Equity capital to assets | 10.2598% | 4,010 |
| Core capital (leverage) ratio | 9.1663% | 4,679 |
| Tier 1 risk-based capital ratio | 12.4813% | 5,499 |
| Total risk-based capital ratio | 13.7319% | 5,496 |
| Memoranda: | ||
| Average total assets | $666,305,750 | 979 |
| Average earning assets | $595,556,000 | 996 |
| Average equity | $66,002,750 | 1,027 |
| Average total loans | $468,759,750 | 906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 1,677 |
| Cost of funding earning assets | 0.7127% | 5,882 |
| Net interest margin | 4.6508% | 815 |
| Noninterest income to average assets | 0.9888% | 1,352 |
| Noninterest expense to average assets | 3.3731% | 2,333 |
| Loan and lease loss provision to assets | 0.8935% | 1,002 |
| Net operating income to assets | 0.5722% | 4,202 |
| Return on assets (ROA) | 0.5722% | 4,331 |
| Pretax return on assets | 0.8876% | 3,666 |
| Return on Equity (ROE) | 5.8435% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.5088% | 5,228 |
| Net charge-offs to loans | 1.2113% | 1,293 |
| Credit loss provision to net charge-offs | 105.3741% | 2,929 |
| Earnings coverage of net charge-offs (x) | 2.1005% | 3,799 |
| Efficiency ratio | 63.8659% | 5,263 |
| Assets per employee ($millions) | 2.8619% | 6,361 |
| Cash dividends to net income (ytd only)* | 74.1801% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,586 |
| Loan loss allowance to noncurrent loans | 102.6144% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5265% | 2,640 |
| Noncurrent loans to loans | 1.3615% | 4,377 |
| Net loans and leases to total assets | 68.4220% | 2,532 |
| Net loans and leases to deposits | 77.8073% | 3,155 |
| Net loans and leases to core deposits | 81.8374% | 3,525 |
| Total domestic deposits to total assets | 87.9378% | 2,179 |
| Equity capital to assets | 9.9999% | 4,148 |
| Core capital (leverage) ratio | 8.8527% | 4,960 |
| Tier 1 risk-based capital ratio | 12.3991% | 5,440 |
| Total risk-based capital ratio | 13.6503% | 5,418 |
| Memoranda: | ||
| Average total assets | $671,489,670 | 983 |
| Average earning assets | $601,401,330 | 988 |
| Average equity | $65,748,330 | 1,025 |
| Average total loans | $470,075,000 | 919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2727% | 1,968 |
| Cost of funding earning assets | 0.7406% | 5,922 |
| Net interest margin | 4.5321% | 1,001 |
| Noninterest income to average assets | 1.1468% | 993 |
| Noninterest expense to average assets | 3.3522% | 2,401 |
| Loan and lease loss provision to assets | 0.8886% | 910 |
| Net operating income to assets | 0.6255% | 3,891 |
| Return on assets (ROA) | 0.6255% | 3,957 |
| Pretax return on assets | 0.9839% | 3,184 |
| Return on Equity (ROE) | 6.4563% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.0237% | 4,920 |
| Net charge-offs to loans | 1.4492% | 940 |
| Credit loss provision to net charge-offs | 87.2093% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.8378% | 3,384 |
| Efficiency ratio | 62.6190% | 5,582 |
| Assets per employee ($millions) | 3.1618% | 5,812 |
| Cash dividends to net income (ytd only)* | 68.6553% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 5,195 |
| Loan loss allowance to noncurrent loans | 58.5781% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.7214% | 2,529 |
| Noncurrent loans to loans | 2.1972% | 3,323 |
| Net loans and leases to total assets | 68.0995% | 2,530 |
| Net loans and leases to deposits | 77.1383% | 3,231 |
| Net loans and leases to core deposits | 80.4703% | 3,675 |
| Total domestic deposits to total assets | 88.2823% | 2,202 |
| Equity capital to assets | 9.6122% | 4,300 |
| Core capital (leverage) ratio | 8.7698% | 4,970 |
| Tier 1 risk-based capital ratio | 11.9897% | 5,701 |
| Total risk-based capital ratio | 13.2298% | 5,697 |
| Memoranda: | ||
| Average total assets | $675,252,000 | 993 |
| Average earning assets | $607,583,000 | 993 |
| Average equity | $65,424,500 | 1,022 |
| Average total loans | $474,745,000 | 920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7341% | 1,454 |
| Cost of funding earning assets | 0.9925% | 5,727 |
| Net interest margin | 4.7417% | 746 |
| Noninterest income to average assets | 1.1169% | 1,184 |
| Noninterest expense to average assets | 3.3870% | 2,471 |
| Loan and lease loss provision to assets | 1.0866% | 1,474 |
| Net operating income to assets | 0.5833% | 3,742 |
| Return on assets (ROA) | 0.5998% | 3,832 |
| Pretax return on assets | 0.9233% | 3,183 |
| Return on Equity (ROE) | 6.0552% | 3,579 |
| Retained earnings to average equity (ytd only) | 0.8114% | 5,145 |
| Net charge-offs to loans | 1.4245% | 1,557 |
| Credit loss provision to net charge-offs | 103.3314% | 4,361 |
| Earnings coverage of net charge-offs (x) | 1.8872% | 4,311 |
| Efficiency ratio | 61.4229% | 5,824 |
| Assets per employee ($millions) | 3.0070% | 6,084 |
| Cash dividends to net income (ytd only)* | 86.5992% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,930 |
| Loan loss allowance to noncurrent loans | 98.2950% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 3,290 |
| Noncurrent loans to loans | 1.3365% | 4,488 |
| Net loans and leases to total assets | 70.7144% | 2,370 |
| Net loans and leases to deposits | 80.0413% | 3,170 |
| Net loans and leases to core deposits | 84.4453% | 3,535 |
| Total domestic deposits to total assets | 88.3473% | 2,041 |
| Equity capital to assets | 9.7674% | 4,037 |
| Core capital (leverage) ratio | 8.8505% | 4,775 |
| Tier 1 risk-based capital ratio | 11.8299% | 5,628 |
| Total risk-based capital ratio | 13.0803% | 5,622 |
| Memoranda: | ||
| Average total assets | $659,399,600 | 1,008 |
| Average earning assets | $591,666,600 | 1,024 |
| Average equity | $65,315,600 | 1,027 |
| Average total loans | $486,773,200 | 920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8012% | 1,393 |
| Cost of funding earning assets | 1.0392% | 5,747 |
| Net interest margin | 4.7620% | 731 |
| Noninterest income to average assets | 1.1017% | 1,166 |
| Noninterest expense to average assets | 3.3758% | 2,367 |
| Loan and lease loss provision to assets | 1.0882% | 1,336 |
| Net operating income to assets | 0.5758% | 3,977 |
| Return on assets (ROA) | 0.5920% | 4,071 |
| Pretax return on assets | 0.9302% | 3,447 |
| Return on Equity (ROE) | 5.9560% | 3,835 |
| Retained earnings to average equity (ytd only) | 0.4979% | 5,601 |
| Net charge-offs to loans | 1.6658% | 1,183 |
| Credit loss provision to net charge-offs | 87.8356% | 4,859 |
| Earnings coverage of net charge-offs (x) | 1.6087% | 4,512 |
| Efficiency ratio | 61.2429% | 5,744 |
| Assets per employee ($millions) | 3.0399% | 6,060 |
| Cash dividends to net income (ytd only)* | 91.6411% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,982 |
| Loan loss allowance to noncurrent loans | 84.9736% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 3,487 |
| Noncurrent loans to loans | 1.2821% | 4,716 |
| Net loans and leases to total assets | 72.4166% | 2,162 |
| Net loans and leases to deposits | 82.1654% | 3,072 |
| Net loans and leases to core deposits | 86.7996% | 3,543 |
| Total domestic deposits to total assets | 88.1351% | 1,875 |
| Equity capital to assets | 9.8614% | 4,339 |
| Core capital (leverage) ratio | 8.7938% | 5,025 |
| Tier 1 risk-based capital ratio | 11.5418% | 5,888 |
| Total risk-based capital ratio | 12.6056% | 6,038 |
| Memoranda: | ||
| Average total assets | $657,363,000 | 1,022 |
| Average earning assets | $589,035,000 | 1,031 |
| Average equity | $65,344,000 | 1,024 |
| Average total loans | $488,882,750 | 926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 1,350 |
| Cost of funding earning assets | 1.0839% | 5,763 |
| Net interest margin | 4.7446% | 731 |
| Noninterest income to average assets | 1.1452% | 990 |
| Noninterest expense to average assets | 3.3491% | 2,411 |
| Loan and lease loss provision to assets | 0.9732% | 1,495 |
| Net operating income to assets | 0.6787% | 3,490 |
| Return on assets (ROA) | 0.7000% | 3,562 |
| Pretax return on assets | 1.1042% | 2,772 |
| Return on Equity (ROE) | 7.0231% | 3,291 |
| Retained earnings to average equity (ytd only) | 0.8921% | 5,414 |
| Net charge-offs to loans | 1.3017% | 1,464 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.1005% | 3,975 |
| Efficiency ratio | 60.4612% | 5,971 |
| Assets per employee ($millions) | 3.0973% | 5,926 |
| Cash dividends to net income (ytd only)* | 87.2981% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,308 |
| Loan loss allowance to noncurrent loans | 80.3105% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 3,255 |
| Noncurrent loans to loans | 1.5282% | 4,422 |
| Net loans and leases to total assets | 74.1879% | 1,870 |
| Net loans and leases to deposits | 84.2812% | 2,825 |
| Net loans and leases to core deposits | 89.5734% | 3,332 |
| Total domestic deposits to total assets | 88.0242% | 1,989 |
| Equity capital to assets | 9.9698% | 4,059 |
| Core capital (leverage) ratio | 8.7599% | 4,990 |
| Tier 1 risk-based capital ratio | 11.2904% | 5,948 |
| Total risk-based capital ratio | 12.4800% | 5,999 |
| Memoranda: | ||
| Average total assets | $654,571,670 | 1,034 |
| Average earning assets | $586,056,330 | 1,048 |
| Average equity | $65,241,670 | 1,023 |
| Average total loans | $489,372,330 | 931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 1,530 |
| Cost of funding earning assets | 1.1172% | 5,818 |
| Net interest margin | 4.6608% | 846 |
| Noninterest income to average assets | 1.3581% | 654 |
| Noninterest expense to average assets | 3.3981% | 2,242 |
| Loan and lease loss provision to assets | 0.9181% | 1,387 |
| Net operating income to assets | 0.8195% | 2,883 |
| Return on assets (ROA) | 0.8642% | 2,786 |
| Pretax return on assets | 1.2859% | 2,089 |
| Return on Equity (ROE) | 8.6719% | 2,597 |
| Retained earnings to average equity (ytd only) | 2.5303% | 4,613 |
| Net charge-offs to loans | 0.4644% | 2,650 |
| Credit loss provision to net charge-offs | 265.0177% | 1,483 |
| Earnings coverage of net charge-offs (x) | 6.1696% | 2,270 |
| Efficiency ratio | 59.7855% | 6,217 |
| Assets per employee ($millions) | 2.9265% | 6,387 |
| Cash dividends to net income (ytd only)* | 70.8215% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,319 |
| Loan loss allowance to noncurrent loans | 60.9739% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.5426% | 2,860 |
| Noncurrent loans to loans | 2.3299% | 3,352 |
| Net loans and leases to total assets | 72.6645% | 2,292 |
| Net loans and leases to deposits | 82.3750% | 3,219 |
| Net loans and leases to core deposits | 87.1248% | 3,729 |
| Total domestic deposits to total assets | 88.2119% | 1,941 |
| Equity capital to assets | 9.7938% | 4,121 |
| Core capital (leverage) ratio | 8.9049% | 4,723 |
| Tier 1 risk-based capital ratio | 11.3750% | 5,791 |
| Total risk-based capital ratio | 12.6267% | 5,760 |
| Memoranda: | ||
| Average total assets | $653,541,000 | 1,057 |
| Average earning assets | $585,742,000 | 1,068 |
| Average equity | $65,130,000 | 1,025 |
| Average total loans | $487,461,000 | 961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1080% | 1,494 |
| Cost of funding earning assets | 1.5055% | 5,488 |
| Net interest margin | 4.6024% | 981 |
| Noninterest income to average assets | 1.3460% | 820 |
| Noninterest expense to average assets | 3.4659% | 2,467 |
| Loan and lease loss provision to assets | 0.6922% | 3,057 |
| Net operating income to assets | 0.8401% | 2,385 |
| Return on assets (ROA) | 0.8534% | 2,415 |
| Pretax return on assets | 1.3284% | 1,617 |
| Return on Equity (ROE) | 8.5555% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.5146% | 4,013 |
| Net charge-offs to loans | 0.8846% | 2,624 |
| Credit loss provision to net charge-offs | 101.1172% | 5,458 |
| Earnings coverage of net charge-offs (x) | 2.9211% | 3,622 |
| Efficiency ratio | 61.8139% | 6,185 |
| Assets per employee ($millions) | 2.7699% | 6,716 |
| Cash dividends to net income (ytd only)* | 82.2970% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 5,031 |
| Loan loss allowance to noncurrent loans | 51.3358% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 2,699 |
| Noncurrent loans to loans | 2.4408% | 3,108 |
| Net loans and leases to total assets | 74.5552% | 2,133 |
| Net loans and leases to deposits | 85.0492% | 3,073 |
| Net loans and leases to core deposits | 109.2065% | 2,980 |
| Total domestic deposits to total assets | 87.6612% | 2,142 |
| Equity capital to assets | 10.1450% | 3,568 |
| Core capital (leverage) ratio | 8.9936% | 4,433 |
| Tier 1 risk-based capital ratio | 11.2981% | 5,617 |
| Total risk-based capital ratio | 12.5033% | 5,616 |
| Memoranda: | ||
| Average total assets | $640,703,400 | 1,079 |
| Average earning assets | $573,479,800 | 1,102 |
| Average equity | $63,912,000 | 1,038 |
| Average total loans | $495,801,400 | 973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 1,673 |
| Cost of funding earning assets | 1.5715% | 5,533 |
| Net interest margin | 4.5214% | 1,142 |
| Noninterest income to average assets | 1.3474% | 838 |
| Noninterest expense to average assets | 3.4543% | 2,407 |
| Loan and lease loss provision to assets | 0.5825% | 3,055 |
| Net operating income to assets | 0.8692% | 2,542 |
| Return on assets (ROA) | 0.8870% | 2,544 |
| Pretax return on assets | 1.3876% | 1,732 |
| Return on Equity (ROE) | 8.9303% | 2,284 |
| Retained earnings to average equity (ytd only) | 3.2755% | 3,478 |
| Net charge-offs to loans | 0.7249% | 2,542 |
| Credit loss provision to net charge-offs | 103.2068% | 4,935 |
| Earnings coverage of net charge-offs (x) | 3.4412% | 3,529 |
| Efficiency ratio | 62.3877% | 6,037 |
| Assets per employee ($millions) | 2.6837% | 6,889 |
| Cash dividends to net income (ytd only)* | 63.3208% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,860 |
| Loan loss allowance to noncurrent loans | 50.3888% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 2,763 |
| Noncurrent loans to loans | 2.4737% | 3,048 |
| Net loans and leases to total assets | 76.5180% | 1,889 |
| Net loans and leases to deposits | 87.7620% | 3,010 |
| Net loans and leases to core deposits | 114.1278% | 2,814 |
| Total domestic deposits to total assets | 87.1881% | 2,082 |
| Equity capital to assets | 10.3818% | 3,641 |
| Core capital (leverage) ratio | 8.9898% | 4,665 |
| Tier 1 risk-based capital ratio | 11.1773% | 5,782 |
| Total risk-based capital ratio | 12.3702% | 5,788 |
| Memoranda: | ||
| Average total assets | $640,918,500 | 1,094 |
| Average earning assets | $573,965,750 | 1,115 |
| Average equity | $63,662,000 | 1,054 |
| Average total loans | $498,979,500 | 979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0725% | 1,895 |
| Cost of funding earning assets | 1.5981% | 5,756 |
| Net interest margin | 4.4744% | 1,227 |
| Noninterest income to average assets | 1.3782% | 805 |
| Noninterest expense to average assets | 3.4572% | 2,471 |
| Loan and lease loss provision to assets | 0.4346% | 3,385 |
| Net operating income to assets | 0.9526% | 2,269 |
| Return on assets (ROA) | 0.9560% | 2,357 |
| Pretax return on assets | 1.4989% | 1,446 |
| Return on Equity (ROE) | 9.7688% | 2,104 |
| Retained earnings to average equity (ytd only) | 4.3769% | 2,864 |
| Net charge-offs to loans | 0.4785% | 2,919 |
| Credit loss provision to net charge-offs | 116.4725% | 3,983 |
| Earnings coverage of net charge-offs (x) | 5.1681% | 2,898 |
| Efficiency ratio | 62.5706% | 6,157 |
| Assets per employee ($millions) | 2.6913% | 6,851 |
| Cash dividends to net income (ytd only)* | 55.1948% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 4,689 |
| Loan loss allowance to noncurrent loans | 53.1039% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.3090% | 2,819 |
| Noncurrent loans to loans | 2.3303% | 3,103 |
| Net loans and leases to total assets | 76.9503% | 1,958 |
| Net loans and leases to deposits | 88.3894% | 3,110 |
| Net loans and leases to core deposits | 114.5682% | 2,848 |
| Total domestic deposits to total assets | 87.0583% | 2,225 |
| Equity capital to assets | 10.0531% | 3,868 |
| Core capital (leverage) ratio | 8.8788% | 4,821 |
| Tier 1 risk-based capital ratio | 11.0456% | 5,834 |
| Total risk-based capital ratio | 12.2528% | 5,802 |
| Memoranda: | ||
| Average total assets | $644,337,330 | 1,109 |
| Average earning assets | $577,060,330 | 1,126 |
| Average equity | $63,058,000 | 1,080 |
| Average total loans | $502,419,000 | 992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 2,446 |
| Cost of funding earning assets | 1.6669% | 5,751 |
| Net interest margin | 4.3121% | 1,571 |
| Noninterest income to average assets | 1.4074% | 710 |
| Noninterest expense to average assets | 3.4015% | 2,354 |
| Loan and lease loss provision to assets | 0.3722% | 3,092 |
| Net operating income to assets | 0.9549% | 2,496 |
| Return on assets (ROA) | 0.9620% | 2,597 |
| Pretax return on assets | 1.5054% | 1,655 |
| Return on Equity (ROE) | 9.9655% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.4679% | 2,873 |
| Net charge-offs to loans | 0.2425% | 3,191 |
| Credit loss provision to net charge-offs | 196.7213% | 2,253 |
| Earnings coverage of net charge-offs (x) | 9.8656% | 2,008 |
| Efficiency ratio | 62.8871% | 5,896 |
| Assets per employee ($millions) | 2.8504% | 6,531 |
| Cash dividends to net income (ytd only)* | 45.1322% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 4,333 |
| Loan loss allowance to noncurrent loans | 58.7319% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0458% | 2,830 |
| Noncurrent loans to loans | 2.1469% | 3,057 |
| Net loans and leases to total assets | 76.2321% | 2,222 |
| Net loans and leases to deposits | 86.9095% | 3,494 |
| Net loans and leases to core deposits | 104.4931% | 4,085 |
| Total domestic deposits to total assets | 87.7144% | 1,879 |
| Equity capital to assets | 9.6981% | 4,386 |
| Core capital (leverage) ratio | 8.5842% | 5,369 |
| Tier 1 risk-based capital ratio | 10.8046% | 6,088 |
| Total risk-based capital ratio | 12.0520% | 5,994 |
| Memoranda: | ||
| Average total assets | $644,890,000 | 1,103 |
| Average earning assets | $577,347,500 | 1,131 |
| Average equity | $62,254,500 | 1,096 |
| Average total loans | $503,043,000 | 995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 5,817 |
| Cost of funding earning assets | 1.8881% | 6,762 |
| Net interest margin | 4.0609% | 2,867 |
| Noninterest income to average assets | 1.0987% | 1,303 |
| Noninterest expense to average assets | 3.1937% | 3,362 |
| Loan and lease loss provision to assets | 0.1705% | 5,200 |
| Net operating income to assets | 0.8586% | 3,184 |
| Return on assets (ROA) | 0.8604% | 3,021 |
| Pretax return on assets | 1.3335% | 2,195 |
| Return on Equity (ROE) | 8.1197% | 3,024 |
| Retained earnings to average equity (ytd only) | -12.5188% | 7,288 |
| Net charge-offs to loans | 0.1284% | 4,951 |
| Credit loss provision to net charge-offs | 175.8675% | 2,887 |
| Earnings coverage of net charge-offs (x) | 15.4811% | 1,928 |
| Efficiency ratio | 67.5375% | 4,810 |
| Assets per employee ($millions) | 2.7825% | 6,602 |
| Cash dividends to net income (ytd only)* | 254.1770% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 4,657 |
| Loan loss allowance to noncurrent loans | 53.7415% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 2,276 |
| Noncurrent loans to loans | 2.2056% | 2,503 |
| Net loans and leases to total assets | 77.8745% | 2,173 |
| Net loans and leases to deposits | 89.0554% | 3,625 |
| Net loans and leases to core deposits | 115.6143% | 3,162 |
| Total domestic deposits to total assets | 87.4450% | 1,729 |
| Equity capital to assets | 9.6086% | 4,530 |
| Core capital (leverage) ratio | 8.5640% | 5,459 |
| Tier 1 risk-based capital ratio | 10.2441% | 6,473 |
| Total risk-based capital ratio | 11.3882% | 6,452 |
| Memoranda: | ||
| Average total assets | $653,845,200 | 1,025 |
| Average earning assets | $579,007,200 | 1,065 |
| Average equity | $69,288,000 | 967 |
| Average total loans | $493,862,400 | 968 |