Home > Community State Bank > Performance and Condition Ratios
Community State 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 | 5.4124% | 1,291 |
| Cost of funding earning assets | 1.9412% | 1,011 |
| Net interest margin | 3.4713% | 2,252 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.1906% | 3,153 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3720% | 1,271 |
| Return on assets (ROA) | 1.3543% | 1,286 |
| Pretax return on assets | 1.3791% | 1,679 |
| Return on Equity (ROE) | 13.1900% | 1,680 |
| Retained earnings to average equity (ytd only) | 13.1882% | 482 |
| Net charge-offs to loans | -0.0018% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.2838% | 3,265 |
| Assets per employee ($millions) | 9.7753% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,143 |
| Loan loss allowance to noncurrent loans | 951.6608% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,476 |
| Noncurrent loans to loans | 0.1287% | 2,872 |
| Net loans and leases to total assets | 77.1400% | 959 |
| Net loans and leases to deposits | 92.8094% | 1,027 |
| Net loans and leases to core deposits | 120.2875% | 616 |
| Total domestic deposits to total assets | 83.1100% | 2,866 |
| Equity capital to assets | 10.9288% | 1,508 |
| Core capital (leverage) ratio | 11.1867% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2237% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,331,093,800 | 786 |
| Average earning assets | $1,257,639,000 | 762 |
| Average equity | $136,690,200 | 723 |
| Average total loans | $1,041,281,800 | 704 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 1,283 |
| Cost of funding earning assets | 1.7916% | 1,017 |
| Net interest margin | 3.5142% | 2,178 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2114% | 3,051 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.4563% | 1,209 |
| Return on assets (ROA) | 1.4341% | 1,229 |
| Pretax return on assets | 1.4062% | 1,765 |
| Return on Equity (ROE) | 14.2100% | 1,603 |
| Retained earnings to average equity (ytd only) | 14.2098% | 650 |
| Net charge-offs to loans | -0.0016% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9430% | 3,211 |
| Assets per employee ($millions) | 10.0510% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,284 |
| Loan loss allowance to noncurrent loans | 619.6843% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,549 |
| Noncurrent loans to loans | 0.1961% | 2,572 |
| Net loans and leases to total assets | 77.6700% | 923 |
| Net loans and leases to deposits | 95.7984% | 767 |
| Net loans and leases to core deposits | 109.7991% | 878 |
| Total domestic deposits to total assets | 81.0800% | 3,369 |
| Equity capital to assets | 10.2973% | 1,646 |
| Core capital (leverage) ratio | 11.2403% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8006% | 2,345 |
| Memoranda: | ||
| Average total assets | $1,311,956,500 | 802 |
| Average earning assets | $1,239,923,250 | 775 |
| Average equity | $132,403,250 | 741 |
| Average total loans | $1,026,786,750 | 712 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 1,060 |
| Cost of funding earning assets | 1.5006% | 843 |
| Net interest margin | 3.6241% | 2,072 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2695% | 2,892 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5741% | 1,028 |
| Return on assets (ROA) | 1.4991% | 1,168 |
| Pretax return on assets | 1.3880% | 1,912 |
| Return on Equity (ROE) | 15.0600% | 1,542 |
| Retained earnings to average equity (ytd only) | 15.0620% | 795 |
| Net charge-offs to loans | 0.0008% | 2,035 |
| Credit loss provision to net charge-offs | 24,650.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,568.5000% | 31 |
| Efficiency ratio | 57.1741% | 3,282 |
| Assets per employee ($millions) | 8.9514% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,700 |
| Loan loss allowance to noncurrent loans | 905.9406% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,672 |
| Noncurrent loans to loans | 0.1523% | 2,732 |
| Net loans and leases to total assets | 77.7000% | 797 |
| Net loans and leases to deposits | 90.2625% | 1,027 |
| Net loans and leases to core deposits | 101.3685% | 1,029 |
| Total domestic deposits to total assets | 86.0900% | 2,560 |
| Equity capital to assets | 10.2995% | 1,674 |
| Core capital (leverage) ratio | 10.4526% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5283% | 2,564 |
| Memoranda: | ||
| Average total assets | $1,270,061,500 | 831 |
| Average earning assets | $1,201,942,500 | 804 |
| Average equity | $126,410,500 | 781 |
| Average total loans | $991,412,000 | 727 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 1,204 |
| Cost of funding earning assets | 0.6796% | 645 |
| Net interest margin | 3.5423% | 1,807 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3443% | 2,603 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.4220% | 1,069 |
| Return on assets (ROA) | 1.4174% | 1,054 |
| Pretax return on assets | 1.5624% | 1,260 |
| Return on Equity (ROE) | 14.3600% | 1,444 |
| Retained earnings to average equity (ytd only) | 14.3555% | 342 |
| Net charge-offs to loans | 0.0494% | 1,180 |
| Credit loss provision to net charge-offs | -119.2641% | 4,585 |
| Earnings coverage of net charge-offs (x) | 38.3398% | 1,531 |
| Efficiency ratio | 60.3069% | 3,013 |
| Assets per employee ($millions) | 8.9998% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 1,575 |
| Loan loss allowance to noncurrent loans | 14,654.8387% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,834 |
| Noncurrent loans to loans | 0.0094% | 3,783 |
| Net loans and leases to total assets | 76.2700% | 985 |
| Net loans and leases to deposits | 90.9998% | 982 |
| Net loans and leases to core deposits | 97.9315% | 1,104 |
| Total domestic deposits to total assets | 83.8200% | 3,248 |
| Equity capital to assets | 9.6110% | 1,928 |
| Core capital (leverage) ratio | 10.0891% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0423% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,215,269,000 | 847 |
| Average earning assets | $1,151,213,600 | 824 |
| Average equity | $119,989,000 | 817 |
| Average total loans | $934,486,600 | 727 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 1,408 |
| Cost of funding earning assets | 0.4849% | 813 |
| Net interest margin | 3.4438% | 1,830 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3914% | 2,364 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 1.2965% | 1,362 |
| Return on assets (ROA) | 1.2900% | 1,357 |
| Pretax return on assets | 1.3680% | 1,820 |
| Return on Equity (ROE) | 12.9700% | 1,706 |
| Retained earnings to average equity (ytd only) | 12.9731% | 619 |
| Net charge-offs to loans | 0.0676% | 817 |
| Credit loss provision to net charge-offs | -21.6274% | 4,618 |
| Earnings coverage of net charge-offs (x) | 25.3041% | 1,606 |
| Efficiency ratio | 63.1386% | 2,667 |
| Assets per employee ($millions) | 8.7878% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,462 |
| Loan loss allowance to noncurrent loans | 216.4232% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 1,051 |
| Noncurrent loans to loans | 0.6683% | 1,220 |
| Net loans and leases to total assets | 76.3100% | 874 |
| Net loans and leases to deposits | 92.4793% | 741 |
| Net loans and leases to core deposits | 94.1576% | 1,083 |
| Total domestic deposits to total assets | 82.5200% | 3,754 |
| Equity capital to assets | 9.1213% | 2,133 |
| Core capital (leverage) ratio | 9.8984% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6908% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,199,591,750 | 859 |
| Average earning assets | $1,136,892,500 | 836 |
| Average equity | $119,279,750 | 835 |
| Average total loans | $921,015,750 | 736 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 1,509 |
| Cost of funding earning assets | 0.2871% | 1,828 |
| Net interest margin | 3.4231% | 1,532 |
| Noninterest income to average assets | 0.4345% | 2,543 |
| Noninterest expense to average assets | 2.3661% | 2,350 |
| Loan and lease loss provision to assets | -0.0483% | 4,512 |
| Net operating income to assets | 1.2772% | 1,200 |
| Return on assets (ROA) | 1.2706% | 1,203 |
| Pretax return on assets | 1.3592% | 1,555 |
| Return on Equity (ROE) | 12.4139% | 1,543 |
| Retained earnings to average equity (ytd only) | 12.4139% | 542 |
| Net charge-offs to loans | -0.0077% | 3,488 |
| Credit loss provision to net charge-offs | 288.5714% | 814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7857% | 2,945 |
| Assets per employee ($millions) | 8.5630% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,228 |
| Loan loss allowance to noncurrent loans | 152.4686% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 656 |
| Noncurrent loans to loans | 1.0268% | 814 |
| Net loans and leases to total assets | 75.9047% | 739 |
| Net loans and leases to deposits | 91.0233% | 665 |
| Net loans and leases to core deposits | 92.2430% | 1,006 |
| Total domestic deposits to total assets | 83.3904% | 3,804 |
| Equity capital to assets | 9.7089% | 1,877 |
| Core capital (leverage) ratio | 9.9230% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8440% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,180,572,000 | 868 |
| Average earning assets | $1,120,723,333 | 853 |
| Average equity | $120,832,000 | 840 |
| Average total loans | $903,660,000 | 735 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 1,483 |
| Cost of funding earning assets | 0.2472% | 2,189 |
| Net interest margin | 3.3626% | 1,398 |
| Noninterest income to average assets | 0.4339% | 2,473 |
| Noninterest expense to average assets | 2.2009% | 2,837 |
| Loan and lease loss provision to assets | -0.1319% | 4,627 |
| Net operating income to assets | 1.4218% | 755 |
| Return on assets (ROA) | 1.4140% | 764 |
| Pretax return on assets | 1.5545% | 914 |
| Return on Equity (ROE) | 13.4577% | 947 |
| Retained earnings to average equity (ytd only) | 13.4577% | 427 |
| Net charge-offs to loans | -0.0126% | 3,680 |
| Credit loss provision to net charge-offs | 1,692.8571% | 238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1149% | 3,571 |
| Assets per employee ($millions) | 8.5166% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,392 |
| Loan loss allowance to noncurrent loans | 11,004.6512% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,959 |
| Noncurrent loans to loans | 0.0141% | 3,907 |
| Net loans and leases to total assets | 76.4747% | 474 |
| Net loans and leases to deposits | 88.6454% | 583 |
| Net loans and leases to core deposits | 90.1259% | 918 |
| Total domestic deposits to total assets | 86.2703% | 3,170 |
| Equity capital to assets | 10.2412% | 1,727 |
| Core capital (leverage) ratio | 9.9990% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8103% | 2,934 |
| Memoranda: | ||
| Average total assets | $1,167,170,000 | 874 |
| Average earning assets | $1,110,087,000 | 860 |
| Average equity | $122,636,500 | 842 |
| Average total loans | $889,974,500 | 734 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 1,967 |
| Cost of funding earning assets | 0.2784% | 2,617 |
| Net interest margin | 3.4801% | 1,799 |
| Noninterest income to average assets | 0.5636% | 2,306 |
| Noninterest expense to average assets | 2.2887% | 2,828 |
| Loan and lease loss provision to assets | 0.2054% | 509 |
| Net operating income to assets | 1.1857% | 1,967 |
| Return on assets (ROA) | 1.1844% | 2,041 |
| Pretax return on assets | 1.3534% | 2,193 |
| Return on Equity (ROE) | 10.8391% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.8391% | 735 |
| Net charge-offs to loans | -0.0025% | 3,410 |
| Credit loss provision to net charge-offs | -13,855.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8959% | 3,464 |
| Assets per employee ($millions) | 9.4232% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,074 |
| Loan loss allowance to noncurrent loans | 10,311.2676% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,020 |
| Noncurrent loans to loans | 0.0164% | 3,966 |
| Net loans and leases to total assets | 73.5353% | 704 |
| Net loans and leases to deposits | 83.5149% | 945 |
| Net loans and leases to core deposits | 84.8795% | 1,271 |
| Total domestic deposits to total assets | 88.0505% | 2,016 |
| Equity capital to assets | 10.7769% | 1,951 |
| Core capital (leverage) ratio | 9.6689% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9481% | 2,904 |
| Memoranda: | ||
| Average total assets | $1,080,923,000 | 904 |
| Average earning assets | $1,020,438,400 | 891 |
| Average equity | $118,109,600 | 881 |
| Average total loans | $787,853,200 | 806 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 2,014 |
| Cost of funding earning assets | 0.2837% | 2,762 |
| Net interest margin | 3.5147% | 1,830 |
| Noninterest income to average assets | 0.5876% | 2,261 |
| Noninterest expense to average assets | 2.3844% | 2,484 |
| Loan and lease loss provision to assets | 0.3414% | 217 |
| Net operating income to assets | 1.0582% | 2,700 |
| Return on assets (ROA) | 1.0570% | 2,773 |
| Pretax return on assets | 1.1696% | 3,019 |
| Return on Equity (ROE) | 9.6370% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.6370% | 1,442 |
| Net charge-offs to loans | 0.0465% | 1,197 |
| Credit loss provision to net charge-offs | 1,052.6119% | 502 |
| Earnings coverage of net charge-offs (x) | 44.9254% | 1,291 |
| Efficiency ratio | 59.6112% | 3,046 |
| Assets per employee ($millions) | 9.5059% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 1,053 |
| Loan loss allowance to noncurrent loans | 37,905.2632% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,245 |
| Noncurrent loans to loans | 0.0046% | 4,182 |
| Net loans and leases to total assets | 72.5007% | 824 |
| Net loans and leases to deposits | 82.5045% | 1,068 |
| Net loans and leases to core deposits | 84.1288% | 1,417 |
| Total domestic deposits to total assets | 87.8749% | 1,918 |
| Equity capital to assets | 10.6658% | 2,298 |
| Core capital (leverage) ratio | 9.8041% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6872% | 3,019 |
| Memoranda: | ||
| Average total assets | $1,061,391,750 | 930 |
| Average earning assets | $999,310,000 | 912 |
| Average equity | $116,409,750 | 905 |
| Average total loans | $768,078,500 | 837 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 2,120 |
| Cost of funding earning assets | 0.2915% | 2,860 |
| Net interest margin | 3.4879% | 1,890 |
| Noninterest income to average assets | 0.6184% | 2,136 |
| Noninterest expense to average assets | 2.3984% | 2,472 |
| Loan and lease loss provision to assets | 0.4088% | 150 |
| Net operating income to assets | 0.9978% | 2,888 |
| Return on assets (ROA) | 0.9962% | 2,981 |
| Pretax return on assets | 1.0924% | 3,243 |
| Return on Equity (ROE) | 8.9934% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.9934% | 1,711 |
| Net charge-offs to loans | 0.0786% | 883 |
| Credit loss provision to net charge-offs | 590.1024% | 633 |
| Earnings coverage of net charge-offs (x) | 26.6246% | 1,382 |
| Efficiency ratio | 59.8667% | 3,031 |
| Assets per employee ($millions) | 8.2345% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 1,085 |
| Loan loss allowance to noncurrent loans | 33,217.5000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,301 |
| Noncurrent loans to loans | 0.0051% | 4,229 |
| Net loans and leases to total assets | 72.2025% | 940 |
| Net loans and leases to deposits | 82.3634% | 1,193 |
| Net loans and leases to core deposits | 84.3297% | 1,534 |
| Total domestic deposits to total assets | 87.6634% | 2,007 |
| Equity capital to assets | 11.0426% | 1,951 |
| Core capital (leverage) ratio | 9.7772% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9925% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,038,122,000 | 941 |
| Average earning assets | $977,101,667 | 924 |
| Average equity | $114,995,667 | 906 |
| Average total loans | $745,927,000 | 854 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 2,152 |
| Cost of funding earning assets | 0.3000% | 2,992 |
| Net interest margin | 3.4814% | 1,875 |
| Noninterest income to average assets | 0.5331% | 2,467 |
| Noninterest expense to average assets | 2.4201% | 2,435 |
| Loan and lease loss provision to assets | 0.5347% | 116 |
| Net operating income to assets | 0.8108% | 3,386 |
| Return on assets (ROA) | 0.8071% | 3,474 |
| Pretax return on assets | 0.8498% | 3,724 |
| Return on Equity (ROE) | 7.2741% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.2741% | 2,486 |
| Net charge-offs to loans | 0.0094% | 1,579 |
| Credit loss provision to net charge-offs | 6,652.9412% | 95 |
| Earnings coverage of net charge-offs (x) | 208.6471% | 387 |
| Efficiency ratio | 61.8705% | 2,781 |
| Assets per employee ($millions) | 7.6555% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 956 |
| Loan loss allowance to noncurrent loans | 1,084.0301% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,518 |
| Noncurrent loans to loans | 0.1608% | 3,531 |
| Net loans and leases to total assets | 70.2037% | 1,260 |
| Net loans and leases to deposits | 80.1087% | 1,510 |
| Net loans and leases to core deposits | 81.5709% | 1,873 |
| Total domestic deposits to total assets | 87.6356% | 2,022 |
| Equity capital to assets | 10.9308% | 1,913 |
| Core capital (leverage) ratio | 9.8998% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3899% | 2,843 |
| Memoranda: | ||
| Average total assets | $1,021,938,000 | 938 |
| Average earning assets | $961,448,000 | 926 |
| Average equity | $113,388,500 | 906 |
| Average total loans | $725,786,500 | 870 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,134 |
| Cost of funding earning assets | 0.4899% | 3,012 |
| Net interest margin | 3.7109% | 1,760 |
| Noninterest income to average assets | 1.6179% | 473 |
| Noninterest expense to average assets | 2.6131% | 2,505 |
| Loan and lease loss provision to assets | 1.0120% | 93 |
| Net operating income to assets | 1.2450% | 1,397 |
| Return on assets (ROA) | 1.2459% | 1,502 |
| Pretax return on assets | 1.4504% | 1,506 |
| Return on Equity (ROE) | 10.9352% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.9352% | 438 |
| Net charge-offs to loans | 0.2415% | 721 |
| Credit loss provision to net charge-offs | 573.7430% | 1,138 |
| Earnings coverage of net charge-offs (x) | 13.9547% | 2,250 |
| Efficiency ratio | 50.0388% | 4,528 |
| Assets per employee ($millions) | 7.3192% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 562 |
| Loan loss allowance to noncurrent loans | 1,006.3380% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 3,570 |
| Noncurrent loans to loans | 0.2007% | 3,494 |
| Net loans and leases to total assets | 69.1507% | 1,665 |
| Net loans and leases to deposits | 79.2085% | 1,959 |
| Net loans and leases to core deposits | 80.2939% | 2,337 |
| Total domestic deposits to total assets | 87.3021% | 1,794 |
| Equity capital to assets | 11.2664% | 2,042 |
| Core capital (leverage) ratio | 10.2663% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6887% | 2,737 |
| Memoranda: | ||
| Average total assets | $913,345,000 | 956 |
| Average earning assets | $850,769,800 | 952 |
| Average equity | $104,058,200 | 932 |
| Average total loans | $667,212,600 | 903 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 1,965 |
| Cost of funding earning assets | 0.5486% | 2,941 |
| Net interest margin | 3.8048% | 1,605 |
| Noninterest income to average assets | 0.6342% | 2,054 |
| Noninterest expense to average assets | 2.5613% | 2,658 |
| Loan and lease loss provision to assets | 1.0875% | 114 |
| Net operating income to assets | 0.5255% | 3,967 |
| Return on assets (ROA) | 0.5272% | 4,058 |
| Pretax return on assets | 0.5228% | 4,238 |
| Return on Equity (ROE) | 4.6128% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.6128% | 2,737 |
| Net charge-offs to loans | 0.1682% | 873 |
| Credit loss provision to net charge-offs | 876.7189% | 919 |
| Earnings coverage of net charge-offs (x) | 12.9686% | 2,221 |
| Efficiency ratio | 59.6046% | 3,446 |
| Assets per employee ($millions) | 7.1667% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 565 |
| Loan loss allowance to noncurrent loans | 803.0043% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,552 |
| Noncurrent loans to loans | 0.2388% | 3,451 |
| Net loans and leases to total assets | 71.3641% | 1,763 |
| Net loans and leases to deposits | 81.4814% | 2,150 |
| Net loans and leases to core deposits | 83.0167% | 2,583 |
| Total domestic deposits to total assets | 87.5832% | 1,404 |
| Equity capital to assets | 11.1577% | 2,277 |
| Core capital (leverage) ratio | 9.8542% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7445% | 2,706 |
| Memoranda: | ||
| Average total assets | $891,000,000 | 960 |
| Average earning assets | $828,028,000 | 958 |
| Average equity | $101,830,000 | 940 |
| Average total loans | $657,095,500 | 909 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,380 |
| Cost of funding earning assets | 0.6342% | 2,788 |
| Net interest margin | 3.7010% | 2,159 |
| Noninterest income to average assets | 0.5668% | 2,268 |
| Noninterest expense to average assets | 2.5957% | 2,679 |
| Loan and lease loss provision to assets | 1.0914% | 176 |
| Net operating income to assets | 0.3712% | 4,287 |
| Return on assets (ROA) | 0.3737% | 4,344 |
| Pretax return on assets | 0.3179% | 4,517 |
| Return on Equity (ROE) | 3.2422% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.2422% | 3,291 |
| Net charge-offs to loans | 0.2958% | 535 |
| Credit loss provision to net charge-offs | 497.9145% | 1,241 |
| Earnings coverage of net charge-offs (x) | 6.4181% | 2,442 |
| Efficiency ratio | 62.9283% | 2,968 |
| Assets per employee ($millions) | 6.5607% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,105 |
| Loan loss allowance to noncurrent loans | 1,036.0040% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 3,970 |
| Noncurrent loans to loans | 0.1505% | 3,855 |
| Net loans and leases to total assets | 73.0413% | 1,550 |
| Net loans and leases to deposits | 84.9454% | 1,895 |
| Net loans and leases to core deposits | 87.2382% | 2,325 |
| Total domestic deposits to total assets | 85.9862% | 2,012 |
| Equity capital to assets | 11.3311% | 2,103 |
| Core capital (leverage) ratio | 9.8604% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7563% | 2,712 |
| Memoranda: | ||
| Average total assets | $875,055,333 | 962 |
| Average earning assets | $812,323,333 | 958 |
| Average equity | $100,856,000 | 938 |
| Average total loans | $648,431,667 | 908 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,275 |
| Cost of funding earning assets | 0.7469% | 2,685 |
| Net interest margin | 3.7677% | 2,094 |
| Noninterest income to average assets | 0.5694% | 2,183 |
| Noninterest expense to average assets | 2.6659% | 2,799 |
| Loan and lease loss provision to assets | 0.9136% | 252 |
| Net operating income to assets | 0.4931% | 3,908 |
| Return on assets (ROA) | 0.4959% | 3,962 |
| Pretax return on assets | 0.4819% | 4,150 |
| Return on Equity (ROE) | 4.2644% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.2644% | 2,585 |
| Net charge-offs to loans | 0.6087% | 240 |
| Credit loss provision to net charge-offs | 202.6832% | 1,406 |
| Earnings coverage of net charge-offs (x) | 3.0898% | 2,233 |
| Efficiency ratio | 63.7479% | 3,271 |
| Assets per employee ($millions) | 5.9251% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,632 |
| Loan loss allowance to noncurrent loans | 689.4595% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 3,994 |
| Noncurrent loans to loans | 0.1750% | 3,844 |
| Net loans and leases to total assets | 72.4340% | 1,855 |
| Net loans and leases to deposits | 84.2606% | 2,195 |
| Net loans and leases to core deposits | 93.0995% | 2,058 |
| Total domestic deposits to total assets | 85.9643% | 2,012 |
| Equity capital to assets | 11.6234% | 2,343 |
| Core capital (leverage) ratio | 10.2502% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5866% | 2,896 |
| Memoranda: | ||
| Average total assets | $859,895,000 | 950 |
| Average earning assets | $796,342,000 | 946 |
| Average equity | $99,989,500 | 944 |
| Average total loans | $636,761,500 | 896 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,525 |
| Cost of funding earning assets | 0.7885% | 2,733 |
| Net interest margin | 4.1952% | 1,330 |
| Noninterest income to average assets | 0.6180% | 2,144 |
| Noninterest expense to average assets | 2.8382% | 2,482 |
| Loan and lease loss provision to assets | 0.0841% | 2,325 |
| Net operating income to assets | 1.3336% | 1,567 |
| Return on assets (ROA) | 1.3360% | 1,636 |
| Pretax return on assets | 1.5811% | 1,540 |
| Return on Equity (ROE) | 11.7069% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.7069% | 263 |
| Net charge-offs to loans | 0.0255% | 2,885 |
| Credit loss provision to net charge-offs | 443.7908% | 651 |
| Earnings coverage of net charge-offs (x) | 87.7255% | 744 |
| Efficiency ratio | 61.1536% | 3,516 |
| Assets per employee ($millions) | 5.7364% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,267 |
| Loan loss allowance to noncurrent loans | 1,496.1798% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,375 |
| Noncurrent loans to loans | 0.0696% | 4,259 |
| Net loans and leases to total assets | 74.0133% | 1,749 |
| Net loans and leases to deposits | 86.0594% | 2,078 |
| Net loans and leases to core deposits | 93.5940% | 2,107 |
| Total domestic deposits to total assets | 86.0027% | 2,067 |
| Equity capital to assets | 11.6328% | 2,395 |
| Core capital (leverage) ratio | 10.3868% | 3,081 |
| Tier 1 risk-based capital ratio | 11.4273% | 4,663 |
| Total risk-based capital ratio | 12.3178% | 4,727 |
| Memoranda: | ||
| Average total assets | $807,417,000 | 967 |
| Average earning assets | $747,233,600 | 963 |
| Average equity | $92,142,000 | 959 |
| Average total loans | $600,291,200 | 910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 1,534 |
| Cost of funding earning assets | 0.8097% | 2,663 |
| Net interest margin | 4.1908% | 1,394 |
| Noninterest income to average assets | 0.5963% | 2,218 |
| Noninterest expense to average assets | 2.8404% | 2,437 |
| Loan and lease loss provision to assets | 0.0756% | 2,381 |
| Net operating income to assets | 1.3186% | 1,773 |
| Return on assets (ROA) | 1.3218% | 1,839 |
| Pretax return on assets | 1.5611% | 1,778 |
| Return on Equity (ROE) | 11.6427% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.6427% | 428 |
| Net charge-offs to loans | -0.0239% | 4,631 |
| Credit loss provision to net charge-offs | -425.4717% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5442% | 3,396 |
| Assets per employee ($millions) | 5.2127% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,897 |
| Loan loss allowance to noncurrent loans | 1,133.7288% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,351 |
| Noncurrent loans to loans | 0.0993% | 4,200 |
| Net loans and leases to total assets | 73.1900% | 1,963 |
| Net loans and leases to deposits | 84.4187% | 2,400 |
| Net loans and leases to core deposits | 94.0225% | 2,176 |
| Total domestic deposits to total assets | 86.6988% | 1,681 |
| Equity capital to assets | 12.0502% | 2,219 |
| Core capital (leverage) ratio | 10.3495% | 3,255 |
| Tier 1 risk-based capital ratio | 11.9535% | 4,436 |
| Total risk-based capital ratio | 12.9238% | 4,487 |
| Memoranda: | ||
| Average total assets | $795,589,500 | 978 |
| Average earning assets | $736,037,250 | 973 |
| Average equity | $90,320,250 | 972 |
| Average total loans | $590,546,500 | 921 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 2,425 |
| Cost of funding earning assets | 0.7952% | 2,666 |
| Net interest margin | 3.8845% | 2,285 |
| Noninterest income to average assets | 0.5729% | 2,271 |
| Noninterest expense to average assets | 2.8066% | 2,564 |
| Loan and lease loss provision to assets | 0.0759% | 2,299 |
| Net operating income to assets | 1.1174% | 2,454 |
| Return on assets (ROA) | 1.1082% | 2,563 |
| Pretax return on assets | 1.2751% | 2,655 |
| Return on Equity (ROE) | 9.9680% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.9680% | 769 |
| Net charge-offs to loans | -0.0221% | 4,576 |
| Credit loss provision to net charge-offs | -463.0769% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2350% | 2,935 |
| Assets per employee ($millions) | 5.4212% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,134 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,455 |
| Noncurrent loans to loans | 0.0812% | 4,315 |
| Net loans and leases to total assets | 73.1640% | 2,032 |
| Net loans and leases to deposits | 83.7357% | 2,518 |
| Net loans and leases to core deposits | 98.4232% | 1,857 |
| Total domestic deposits to total assets | 87.3750% | 1,396 |
| Equity capital to assets | 11.5016% | 2,604 |
| Core capital (leverage) ratio | 10.0281% | 3,558 |
| Tier 1 risk-based capital ratio | 11.3938% | 4,737 |
| Total risk-based capital ratio | 12.3338% | 4,784 |
| Memoranda: | ||
| Average total assets | $793,200,670 | 983 |
| Average earning assets | $734,157,330 | 983 |
| Average equity | $88,182,330 | 988 |
| Average total loans | $589,320,000 | 925 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 2,451 |
| Cost of funding earning assets | 0.7895% | 2,594 |
| Net interest margin | 3.8352% | 2,400 |
| Noninterest income to average assets | 0.5497% | 2,290 |
| Noninterest expense to average assets | 2.7774% | 2,653 |
| Loan and lease loss provision to assets | 0.0763% | 2,148 |
| Net operating income to assets | 1.1052% | 2,446 |
| Return on assets (ROA) | 1.1075% | 2,486 |
| Pretax return on assets | 1.2439% | 2,652 |
| Return on Equity (ROE) | 10.1420% | 2,305 |
| Retained earnings to average equity (ytd only) | 10.1420% | 1,002 |
| Net charge-offs to loans | -0.0198% | 4,485 |
| Credit loss provision to net charge-offs | -517.2414% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6724% | 2,980 |
| Assets per employee ($millions) | 5.3092% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,272 |
| Loan loss allowance to noncurrent loans | 874.0997% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,224 |
| Noncurrent loans to loans | 0.1228% | 4,193 |
| Net loans and leases to total assets | 74.0316% | 1,795 |
| Net loans and leases to deposits | 86.4097% | 2,085 |
| Net loans and leases to core deposits | 110.5255% | 898 |
| Total domestic deposits to total assets | 85.6751% | 2,411 |
| Equity capital to assets | 11.4329% | 2,461 |
| Core capital (leverage) ratio | 9.9680% | 3,637 |
| Tier 1 risk-based capital ratio | 11.2935% | 4,846 |
| Total risk-based capital ratio | 12.2272% | 4,891 |
| Memoranda: | ||
| Average total assets | $785,923,000 | 991 |
| Average earning assets | $726,540,000 | 988 |
| Average equity | $85,821,000 | 1,008 |
| Average total loans | $585,237,000 | 937 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 1,559 |
| Cost of funding earning assets | 0.4551% | 3,647 |
| Net interest margin | 4.3376% | 1,074 |
| Noninterest income to average assets | 0.6968% | 1,864 |
| Noninterest expense to average assets | 3.1133% | 1,763 |
| Loan and lease loss provision to assets | 0.2114% | 879 |
| Net operating income to assets | 1.1736% | 2,297 |
| Return on assets (ROA) | 1.1726% | 2,294 |
| Pretax return on assets | 1.3634% | 2,264 |
| Return on Equity (ROE) | 10.8303% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.5483% | 725 |
| Net charge-offs to loans | -0.0530% | 4,992 |
| Credit loss provision to net charge-offs | -545.8781% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2887% | 3,145 |
| Assets per employee ($millions) | 5.3842% | 2,074 |
| Cash dividends to net income (ytd only)* | 11.8371% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,363 |
| Loan loss allowance to noncurrent loans | 605.3307% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,055 |
| Noncurrent loans to loans | 0.1739% | 3,971 |
| Net loans and leases to total assets | 73.3152% | 2,041 |
| Net loans and leases to deposits | 91.8988% | 1,565 |
| Net loans and leases to core deposits | 111.3614% | 914 |
| Total domestic deposits to total assets | 79.7782% | 4,152 |
| Equity capital to assets | 10.4069% | 3,275 |
| Core capital (leverage) ratio | 9.1919% | 4,467 |
| Tier 1 risk-based capital ratio | 10.3200% | 5,240 |
| Total risk-based capital ratio | 11.2357% | 5,261 |
| Memoranda: | ||
| Average total assets | $720,430,800 | 1,033 |
| Average earning assets | $663,084,600 | 1,037 |
| Average equity | $78,003,200 | 1,054 |
| Average total loans | $526,682,000 | 998 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,907 |
| Cost of funding earning assets | 0.3908% | 3,928 |
| Net interest margin | 4.2375% | 1,270 |
| Noninterest income to average assets | 0.6952% | 1,882 |
| Noninterest expense to average assets | 2.9578% | 2,146 |
| Loan and lease loss provision to assets | 0.1547% | 1,263 |
| Net operating income to assets | 1.2582% | 2,007 |
| Return on assets (ROA) | 1.2569% | 2,022 |
| Pretax return on assets | 1.4787% | 1,974 |
| Return on Equity (ROE) | 11.4846% | 1,987 |
| Retained earnings to average equity (ytd only) | 9.7542% | 991 |
| Net charge-offs to loans | -0.0793% | 5,092 |
| Credit loss provision to net charge-offs | -267.8689% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2036% | 3,479 |
| Assets per employee ($millions) | 5.0336% | 2,428 |
| Cash dividends to net income (ytd only)* | 15.0671% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,686 |
| Loan loss allowance to noncurrent loans | 372.6589% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,810 |
| Noncurrent loans to loans | 0.2716% | 3,712 |
| Net loans and leases to total assets | 72.5638% | 2,238 |
| Net loans and leases to deposits | 90.8580% | 1,782 |
| Net loans and leases to core deposits | 102.1946% | 1,597 |
| Total domestic deposits to total assets | 79.8650% | 4,149 |
| Equity capital to assets | 10.7790% | 2,868 |
| Core capital (leverage) ratio | 9.6209% | 4,031 |
| Tier 1 risk-based capital ratio | 10.5744% | 5,217 |
| Total risk-based capital ratio | 11.4330% | 5,265 |
| Memoranda: | ||
| Average total assets | $704,016,750 | 1,058 |
| Average earning assets | $647,537,500 | 1,056 |
| Average equity | $77,052,250 | 1,062 |
| Average total loans | $512,739,250 | 1,021 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,818 |
| Cost of funding earning assets | 0.3612% | 4,003 |
| Net interest margin | 4.2254% | 1,222 |
| Noninterest income to average assets | 0.6752% | 1,975 |
| Noninterest expense to average assets | 2.9507% | 2,197 |
| Loan and lease loss provision to assets | 0.2298% | 698 |
| Net operating income to assets | 1.1756% | 2,296 |
| Return on assets (ROA) | 1.1737% | 2,299 |
| Pretax return on assets | 1.3781% | 2,230 |
| Return on Equity (ROE) | 10.6667% | 2,247 |
| Retained earnings to average equity (ytd only) | 10.6667% | 748 |
| Net charge-offs to loans | -0.0341% | 4,786 |
| Credit loss provision to net charge-offs | -926.7442% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4526% | 3,565 |
| Assets per employee ($millions) | 4.5975% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,693 |
| Loan loss allowance to noncurrent loans | 10,860.4167% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,510 |
| Noncurrent loans to loans | 0.0094% | 4,912 |
| Net loans and leases to total assets | 70.7243% | 2,472 |
| Net loans and leases to deposits | 84.5215% | 2,476 |
| Net loans and leases to core deposits | 95.4572% | 2,107 |
| Total domestic deposits to total assets | 83.6761% | 3,183 |
| Equity capital to assets | 10.9471% | 2,687 |
| Core capital (leverage) ratio | 9.5595% | 4,046 |
| Tier 1 risk-based capital ratio | 10.8327% | 5,138 |
| Total risk-based capital ratio | 11.6956% | 5,195 |
| Memoranda: | ||
| Average total assets | $693,722,330 | 1,071 |
| Average earning assets | $637,953,000 | 1,070 |
| Average equity | $76,331,330 | 1,071 |
| Average total loans | $504,078,000 | 1,039 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,536 |
| Cost of funding earning assets | 0.3177% | 4,210 |
| Net interest margin | 4.2940% | 960 |
| Noninterest income to average assets | 0.6588% | 1,999 |
| Noninterest expense to average assets | 2.9836% | 2,102 |
| Loan and lease loss provision to assets | 0.3367% | 367 |
| Net operating income to assets | 1.0989% | 2,424 |
| Return on assets (ROA) | 1.0949% | 2,461 |
| Pretax return on assets | 1.2761% | 2,454 |
| Return on Equity (ROE) | 9.9243% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.9243% | 1,184 |
| Net charge-offs to loans | 0.0128% | 2,298 |
| Credit loss provision to net charge-offs | 3,600.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 172.9375% | 377 |
| Efficiency ratio | 62.5842% | 3,690 |
| Assets per employee ($millions) | 4.6494% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,206 |
| Loan loss allowance to noncurrent loans | 10,632.6087% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 4,587 |
| Noncurrent loans to loans | 0.0090% | 4,971 |
| Net loans and leases to total assets | 72.9935% | 2,025 |
| Net loans and leases to deposits | 90.3327% | 1,652 |
| Net loans and leases to core deposits | 97.5349% | 1,866 |
| Total domestic deposits to total assets | 80.8052% | 4,246 |
| Equity capital to assets | 10.8909% | 2,689 |
| Core capital (leverage) ratio | 9.3453% | 4,261 |
| Tier 1 risk-based capital ratio | 10.5753% | 5,328 |
| Total risk-based capital ratio | 11.3949% | 5,395 |
| Memoranda: | ||
| Average total assets | $684,274,500 | 1,087 |
| Average earning assets | $628,223,000 | 1,095 |
| Average equity | $75,491,500 | 1,090 |
| Average total loans | $501,513,500 | 1,050 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 835 |
| Cost of funding earning assets | 0.1820% | 5,079 |
| Net interest margin | 4.6983% | 423 |
| Noninterest income to average assets | 0.7554% | 1,754 |
| Noninterest expense to average assets | 3.1467% | 1,725 |
| Loan and lease loss provision to assets | 0.4406% | 315 |
| Net operating income to assets | 1.1365% | 1,724 |
| Return on assets (ROA) | 1.1204% | 1,817 |
| Pretax return on assets | 1.4260% | 1,905 |
| Return on Equity (ROE) | 9.1791% | 2,226 |
| Retained earnings to average equity (ytd only) | -6.3875% | 5,474 |
| Net charge-offs to loans | -0.0172% | 4,915 |
| Credit loss provision to net charge-offs | -3,614.2857% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2353% | 4,227 |
| Assets per employee ($millions) | 4.4447% | 3,282 |
| Cash dividends to net income (ytd only)* | 169.5873% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,546 |
| Loan loss allowance to noncurrent loans | 1,383.3866% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,135 |
| Noncurrent loans to loans | 0.0640% | 4,702 |
| Net loans and leases to total assets | 72.2268% | 2,197 |
| Net loans and leases to deposits | 84.9507% | 2,380 |
| Net loans and leases to core deposits | 92.4100% | 2,335 |
| Total domestic deposits to total assets | 85.0220% | 2,828 |
| Equity capital to assets | 11.1793% | 2,450 |
| Core capital (leverage) ratio | 9.7720% | 3,723 |
| Tier 1 risk-based capital ratio | 10.9405% | 5,185 |
| Total risk-based capital ratio | 11.7053% | 5,297 |
| Memoranda: | ||
| Average total assets | $631,577,600 | 1,144 |
| Average earning assets | $575,127,800 | 1,151 |
| Average equity | $77,088,400 | 1,048 |
| Average total loans | $448,539,200 | 1,133 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 642 |
| Cost of funding earning assets | 0.1799% | 5,139 |
| Net interest margin | 4.7988% | 334 |
| Noninterest income to average assets | 0.7425% | 1,820 |
| Noninterest expense to average assets | 2.9146% | 2,352 |
| Loan and lease loss provision to assets | 0.4738% | 254 |
| Net operating income to assets | 1.1843% | 1,761 |
| Return on assets (ROA) | 1.1843% | 1,800 |
| Pretax return on assets | 1.7134% | 1,090 |
| Return on Equity (ROE) | 9.4873% | 2,355 |
| Retained earnings to average equity (ytd only) | -6.8346% | 5,578 |
| Net charge-offs to loans | -0.0109% | 4,656 |
| Credit loss provision to net charge-offs | -6,136.1111% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8470% | 4,866 |
| Assets per employee ($millions) | 4.1926% | 3,665 |
| Cash dividends to net income (ytd only)* | 172.0392% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 4,845 |
| Loan loss allowance to noncurrent loans | 486.8938% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,171 |
| Noncurrent loans to loans | 0.1681% | 4,392 |
| Net loans and leases to total assets | 71.1097% | 2,388 |
| Net loans and leases to deposits | 82.1631% | 2,762 |
| Net loans and leases to core deposits | 87.6083% | 2,810 |
| Total domestic deposits to total assets | 86.5471% | 2,076 |
| Equity capital to assets | 11.9890% | 1,970 |
| Core capital (leverage) ratio | 10.1405% | 3,391 |
| Tier 1 risk-based capital ratio | 12.1149% | 4,540 |
| Total risk-based capital ratio | 12.8253% | 4,795 |
| Memoranda: | ||
| Average total assets | $621,686,250 | 1,171 |
| Average earning assets | $564,742,750 | 1,177 |
| Average equity | $77,603,250 | 1,045 |
| Average total loans | $438,405,250 | 1,160 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 437 |
| Cost of funding earning assets | 0.1773% | 5,161 |
| Net interest margin | 4.9658% | 235 |
| Noninterest income to average assets | 0.7344% | 1,842 |
| Noninterest expense to average assets | 2.8818% | 2,486 |
| Loan and lease loss provision to assets | 0.5292% | 212 |
| Net operating income to assets | 1.2459% | 1,454 |
| Return on assets (ROA) | 1.2459% | 1,480 |
| Pretax return on assets | 1.8379% | 770 |
| Return on Equity (ROE) | 9.8476% | 2,103 |
| Retained earnings to average equity (ytd only) | -2.9448% | 5,431 |
| Net charge-offs to loans | -0.0129% | 4,622 |
| Credit loss provision to net charge-offs | -5,839.2857% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6702% | 5,124 |
| Assets per employee ($millions) | 4.4112% | 3,256 |
| Cash dividends to net income (ytd only)* | 129.9039% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 5,192 |
| Loan loss allowance to noncurrent loans | 387.7475% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 4,240 |
| Noncurrent loans to loans | 0.1825% | 4,390 |
| Net loans and leases to total assets | 68.2747% | 2,773 |
| Net loans and leases to deposits | 79.2607% | 3,000 |
| Net loans and leases to core deposits | 81.2051% | 3,321 |
| Total domestic deposits to total assets | 86.1394% | 2,319 |
| Equity capital to assets | 12.2150% | 1,777 |
| Core capital (leverage) ratio | 10.9099% | 2,492 |
| Tier 1 risk-based capital ratio | 12.7163% | 4,175 |
| Total risk-based capital ratio | 13.3192% | 4,463 |
| Memoranda: | ||
| Average total assets | $617,887,670 | 1,181 |
| Average earning assets | $561,719,330 | 1,188 |
| Average equity | $78,171,000 | 1,032 |
| Average total loans | $433,241,000 | 1,174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 319 |
| Cost of funding earning assets | 0.1772% | 5,176 |
| Net interest margin | 5.1233% | 177 |
| Noninterest income to average assets | 0.7202% | 1,870 |
| Noninterest expense to average assets | 3.0019% | 2,159 |
| Loan and lease loss provision to assets | 0.5119% | 194 |
| Net operating income to assets | 1.2625% | 1,342 |
| Return on assets (ROA) | 1.2625% | 1,378 |
| Pretax return on assets | 1.8538% | 715 |
| Return on Equity (ROE) | 9.7995% | 2,058 |
| Retained earnings to average equity (ytd only) | -15.8671% | 5,678 |
| Net charge-offs to loans | -0.0037% | 4,107 |
| Credit loss provision to net charge-offs | -19,350.0000% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6964% | 5,160 |
| Assets per employee ($millions) | 4.2605% | 3,567 |
| Cash dividends to net income (ytd only)* | 261.9172% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 5,572 |
| Loan loss allowance to noncurrent loans | 194.8007% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,995 |
| Noncurrent loans to loans | 0.2700% | 4,138 |
| Net loans and leases to total assets | 69.7773% | 2,424 |
| Net loans and leases to deposits | 80.6399% | 2,662 |
| Net loans and leases to core deposits | 81.5382% | 3,137 |
| Total domestic deposits to total assets | 86.5295% | 2,427 |
| Equity capital to assets | 12.5500% | 1,496 |
| Core capital (leverage) ratio | 10.9882% | 2,369 |
| Tier 1 risk-based capital ratio | 13.0428% | 4,050 |
| Total risk-based capital ratio | 13.5006% | 4,446 |
| Memoranda: | ||
| Average total assets | $604,814,500 | 1,200 |
| Average earning assets | $548,635,000 | 1,214 |
| Average equity | $77,922,000 | 1,034 |
| Average total loans | $428,439,000 | 1,188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8294% | 5,855 |
| Cost of funding earning assets | -0.0042% | 5,911 |
| Net interest margin | 1.8336% | 5,829 |
| Noninterest income to average assets | 0.2851% | 4,702 |
| Noninterest expense to average assets | 1.1999% | 5,830 |
| Loan and lease loss provision to assets | 0.2482% | 846 |
| Net operating income to assets | 0.3668% | 5,038 |
| Return on assets (ROA) | 0.3614% | 5,137 |
| Pretax return on assets | 0.5297% | 4,970 |
| Return on Equity (ROE) | 3.0057% | 5,162 |
| Retained earnings to average equity (ytd only) | 0.1781% | 5,246 |
| Net charge-offs to loans | -0.0023% | 4,719 |
| Credit loss provision to net charge-offs | -14,600.0000% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3462% | 4,810 |
| Assets per employee ($millions) | 3.8486% | 4,222 |
| Cash dividends to net income (ytd only)* | 94.0734% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3422% | 5,776 |
| Loan loss allowance to noncurrent loans | 149.0872% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,194 |
| Noncurrent loans to loans | 0.2296% | 4,326 |
| Net loans and leases to total assets | 71.2953% | 2,279 |
| Net loans and leases to deposits | 83.3435% | 2,493 |
| Net loans and leases to core deposits | 83.7867% | 3,045 |
| Total domestic deposits to total assets | 85.5440% | 2,812 |
| Equity capital to assets | 13.2221% | 1,166 |
| Core capital (leverage) ratio | 11.7478% | 1,764 |
| Tier 1 risk-based capital ratio | 13.5108% | 3,766 |
| Total risk-based capital ratio | 13.8083% | 4,240 |
| Memoranda: | ||
| Average total assets | $588,280,000 | 1,193 |
| Average earning assets | $545,644,800 | 1,179 |
| Average equity | $70,732,800 | 1,116 |
| Average total loans | $429,733,000 | 1,141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5549% | 5,969 |
| Cost of funding earning assets | 0.0202% | 5,938 |
| Net interest margin | 0.5346% | 5,968 |
| Noninterest income to average assets | 0.1039% | 5,697 |
| Noninterest expense to average assets | 0.4866% | 5,963 |
| Loan and lease loss provision to assets | 0.0615% | 3,003 |
| Net operating income to assets | 0.0424% | 5,685 |
| Return on assets (ROA) | 0.0424% | 5,716 |
| Pretax return on assets | 0.0551% | 5,708 |
| Return on Equity (ROE) | 0.3617% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.3617% | 5,260 |
| Net charge-offs to loans | -0.0009% | 4,437 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3610% | 1,636 |
| Assets per employee ($millions) | 3.4992% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0650% | 5,921 |
| Loan loss allowance to noncurrent loans | 8.7725% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 2,958 |
| Noncurrent loans to loans | 0.7414% | 2,815 |
| Net loans and leases to total assets | 72.2127% | 2,153 |
| Net loans and leases to deposits | 87.1594% | 2,126 |
| Net loans and leases to core deposits | 87.6265% | 2,798 |
| Total domestic deposits to total assets | 82.8513% | 3,648 |
| Equity capital to assets | 13.8071% | 1,116 |
| Core capital (leverage) ratio | 11.7363% | 1,855 |
| Tier 1 risk-based capital ratio | 14.0282% | 3,548 |
| Total risk-based capital ratio | 14.0856% | 4,173 |
| Memoranda: | ||
| Average total assets | $585,255,250 | 1,198 |
| Average earning assets | $546,662,500 | 1,179 |
| Average equity | $68,570,250 | 1,150 |
| Average total loans | $429,788,250 | 1,137 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,101 |
| Cost of funding earning assets | 0.4392% | 2,661 |
| Net interest margin | 3.6008% | 3,093 |
| Noninterest income to average assets | 0.9657% | 1,204 |
| Noninterest expense to average assets | 3.0168% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9367% | 2,697 |
| Return on assets (ROA) | 0.9367% | 2,831 |
| Pretax return on assets | 1.3444% | 2,227 |
| Return on Equity (ROE) | 8.4955% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.4955% | 1,009 |
| Net charge-offs to loans | 0.0665% | 2,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 27.3889% | 1,458 |
| Efficiency ratio | 69.0402% | 3,143 |
| Assets per employee ($millions) | 3.3975% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 985 |
| Loan loss allowance to noncurrent loans | 176.8586% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 2,268 |
| Noncurrent loans to loans | 1.0459% | 2,192 |
| Net loans and leases to total assets | 74.5272% | 1,724 |
| Net loans and leases to deposits | 88.3641% | 1,941 |
| Net loans and leases to core deposits | 88.7486% | 2,661 |
| Total domestic deposits to total assets | 84.3410% | 3,142 |
| Equity capital to assets | 11.6532% | 2,400 |
| Core capital (leverage) ratio | 10.3704% | 3,113 |
| Tier 1 risk-based capital ratio | 12.4988% | 4,527 |
| Total risk-based capital ratio | 13.7544% | 4,430 |
| Memoranda: | ||
| Average total assets | $586,718,000 | 1,197 |
| Average earning assets | $553,266,330 | 1,173 |
| Average equity | $64,693,330 | 1,219 |
| Average total loans | $433,140,000 | 1,129 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,431 |
| Cost of funding earning assets | 0.4826% | 2,249 |
| Net interest margin | 3.4573% | 3,631 |
| Noninterest income to average assets | 0.9309% | 1,230 |
| Noninterest expense to average assets | 3.0362% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8011% | 3,244 |
| Return on assets (ROA) | 0.8011% | 3,359 |
| Pretax return on assets | 1.1569% | 2,864 |
| Return on Equity (ROE) | 7.4691% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.4691% | 1,677 |
| Net charge-offs to loans | 0.1617% | 1,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.8286% | 1,959 |
| Efficiency ratio | 72.2810% | 2,757 |
| Assets per employee ($millions) | 3.4817% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 979 |
| Loan loss allowance to noncurrent loans | 169.5901% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 2,377 |
| Noncurrent loans to loans | 1.1175% | 2,161 |
| Net loans and leases to total assets | 69.4378% | 2,433 |
| Net loans and leases to deposits | 85.6354% | 2,103 |
| Net loans and leases to core deposits | 85.9571% | 2,754 |
| Total domestic deposits to total assets | 81.0854% | 4,474 |
| Equity capital to assets | 10.8449% | 3,122 |
| Core capital (leverage) ratio | 9.9821% | 3,549 |
| Tier 1 risk-based capital ratio | 12.3747% | 4,670 |
| Total risk-based capital ratio | 13.6307% | 4,564 |
| Memoranda: | ||
| Average total assets | $594,684,500 | 1,189 |
| Average earning assets | $561,139,500 | 1,156 |
| Average equity | $63,782,500 | 1,227 |
| Average total loans | $433,006,500 | 1,122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,356 |
| Cost of funding earning assets | 0.5055% | 2,113 |
| Net interest margin | 3.4822% | 3,589 |
| Noninterest income to average assets | 1.1530% | 889 |
| Noninterest expense to average assets | 3.1126% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9243% | 2,731 |
| Return on assets (ROA) | 0.9390% | 2,742 |
| Pretax return on assets | 1.3251% | 2,180 |
| Return on Equity (ROE) | 8.6510% | 2,647 |
| Retained earnings to average equity (ytd only) | 2.5789% | 4,236 |
| Net charge-offs to loans | 0.0352% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 52.1164% | 970 |
| Efficiency ratio | 70.3380% | 3,170 |
| Assets per employee ($millions) | 3.5357% | 4,758 |
| Cash dividends to net income (ytd only)* | 70.1899% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 1,070 |
| Loan loss allowance to noncurrent loans | 103.9353% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 1,402 |
| Noncurrent loans to loans | 1.7660% | 1,262 |
| Net loans and leases to total assets | 73.4772% | 1,812 |
| Net loans and leases to deposits | 90.6878% | 1,537 |
| Net loans and leases to core deposits | 91.0965% | 2,304 |
| Total domestic deposits to total assets | 81.0221% | 4,476 |
| Equity capital to assets | 10.6057% | 3,238 |
| Core capital (leverage) ratio | 9.8018% | 3,768 |
| Tier 1 risk-based capital ratio | 11.4450% | 5,290 |
| Total risk-based capital ratio | 12.7003% | 5,185 |
| Memoranda: | ||
| Average total assets | $583,363,400 | 1,171 |
| Average earning assets | $546,811,000 | 1,156 |
| Average equity | $63,322,000 | 1,193 |
| Average total loans | $414,534,800 | 1,105 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,459 |
| Cost of funding earning assets | 0.5099% | 2,122 |
| Net interest margin | 3.4611% | 3,717 |
| Noninterest income to average assets | 1.0226% | 1,133 |
| Noninterest expense to average assets | 3.0215% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8700% | 3,084 |
| Return on assets (ROA) | 0.8890% | 3,093 |
| Pretax return on assets | 1.2683% | 2,519 |
| Return on Equity (ROE) | 8.1424% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.1424% | 1,193 |
| Net charge-offs to loans | 0.0544% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 32.5659% | 1,416 |
| Efficiency ratio | 70.7476% | 3,089 |
| Assets per employee ($millions) | 3.4456% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 1,026 |
| Loan loss allowance to noncurrent loans | 99.5719% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 1,412 |
| Noncurrent loans to loans | 1.9313% | 1,201 |
| Net loans and leases to total assets | 70.8837% | 2,255 |
| Net loans and leases to deposits | 88.1109% | 1,886 |
| Net loans and leases to core deposits | 88.6161% | 2,598 |
| Total domestic deposits to total assets | 80.4482% | 4,623 |
| Equity capital to assets | 11.1818% | 2,813 |
| Core capital (leverage) ratio | 10.3896% | 3,171 |
| Tier 1 risk-based capital ratio | 12.3149% | 4,880 |
| Total risk-based capital ratio | 13.5709% | 4,776 |
| Memoranda: | ||
| Average total assets | $580,703,750 | 1,177 |
| Average earning assets | $543,632,250 | 1,163 |
| Average equity | $63,403,000 | 1,199 |
| Average total loans | $407,014,250 | 1,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,431 |
| Cost of funding earning assets | 0.5215% | 2,057 |
| Net interest margin | 3.4422% | 3,746 |
| Noninterest income to average assets | 0.9519% | 1,294 |
| Noninterest expense to average assets | 3.0455% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7995% | 3,393 |
| Return on assets (ROA) | 0.8279% | 3,340 |
| Pretax return on assets | 1.1682% | 2,904 |
| Return on Equity (ROE) | 7.6453% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.6453% | 1,411 |
| Net charge-offs to loans | 0.0608% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.7705% | 1,472 |
| Efficiency ratio | 72.8296% | 2,873 |
| Assets per employee ($millions) | 3.4390% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 942 |
| Loan loss allowance to noncurrent loans | 90.9444% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 1,333 |
| Noncurrent loans to loans | 2.2320% | 1,071 |
| Net loans and leases to total assets | 68.7850% | 2,519 |
| Net loans and leases to deposits | 83.6334% | 2,359 |
| Net loans and leases to core deposits | 84.2272% | 2,962 |
| Total domestic deposits to total assets | 82.2459% | 4,213 |
| Equity capital to assets | 11.0817% | 2,804 |
| Core capital (leverage) ratio | 10.1393% | 3,414 |
| Tier 1 risk-based capital ratio | 12.4958% | 4,809 |
| Total risk-based capital ratio | 13.7528% | 4,721 |
| Memoranda: | ||
| Average total assets | $579,022,670 | 1,185 |
| Average earning assets | $541,924,000 | 1,167 |
| Average equity | $62,705,000 | 1,214 |
| Average total loans | $401,572,330 | 1,148 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 3,803 |
| Cost of funding earning assets | 0.5499% | 1,847 |
| Net interest margin | 3.3062% | 4,190 |
| Noninterest income to average assets | 0.8580% | 1,534 |
| Noninterest expense to average assets | 2.9014% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7489% | 3,543 |
| Return on assets (ROA) | 0.7699% | 3,565 |
| Pretax return on assets | 1.0802% | 3,162 |
| Return on Equity (ROE) | 7.1920% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.1920% | 1,926 |
| Net charge-offs to loans | 0.1108% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.7568% | 1,702 |
| Efficiency ratio | 73.2765% | 2,947 |
| Assets per employee ($millions) | 3.4120% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,032 |
| Loan loss allowance to noncurrent loans | 75.6298% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0702% | 1,128 |
| Noncurrent loans to loans | 2.6767% | 885 |
| Net loans and leases to total assets | 68.7930% | 2,318 |
| Net loans and leases to deposits | 83.3857% | 2,156 |
| Net loans and leases to core deposits | 84.2054% | 2,745 |
| Total domestic deposits to total assets | 82.4997% | 4,354 |
| Equity capital to assets | 10.9351% | 3,045 |
| Core capital (leverage) ratio | 9.8226% | 3,855 |
| Tier 1 risk-based capital ratio | 12.5617% | 4,865 |
| Total risk-based capital ratio | 13.8191% | 4,776 |
| Memoranda: | ||
| Average total assets | $581,375,500 | 1,185 |
| Average earning assets | $544,073,500 | 1,167 |
| Average equity | $62,235,500 | 1,228 |
| Average total loans | $400,744,000 | 1,146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,989 |
| Cost of funding earning assets | 0.5816% | 1,937 |
| Net interest margin | 3.3552% | 4,389 |
| Noninterest income to average assets | 0.9246% | 1,426 |
| Noninterest expense to average assets | 2.7925% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8710% | 3,012 |
| Return on assets (ROA) | 0.8710% | 3,104 |
| Pretax return on assets | 1.2536% | 2,425 |
| Return on Equity (ROE) | 8.2793% | 2,978 |
| Retained earnings to average equity (ytd only) | 2.4611% | 4,479 |
| Net charge-offs to loans | -0.0116% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8731% | 3,740 |
| Assets per employee ($millions) | 3.5523% | 4,817 |
| Cash dividends to net income (ytd only)* | 70.2735% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 954 |
| Loan loss allowance to noncurrent loans | 78.4864% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 1,273 |
| Noncurrent loans to loans | 2.6686% | 915 |
| Net loans and leases to total assets | 66.2499% | 2,848 |
| Net loans and leases to deposits | 81.4641% | 2,548 |
| Net loans and leases to core deposits | 82.3712% | 3,063 |
| Total domestic deposits to total assets | 81.3240% | 4,643 |
| Equity capital to assets | 10.4784% | 3,516 |
| Core capital (leverage) ratio | 9.5550% | 4,166 |
| Tier 1 risk-based capital ratio | 13.0767% | 4,677 |
| Total risk-based capital ratio | 14.3360% | 4,590 |
| Memoranda: | ||
| Average total assets | $583,607,600 | 1,132 |
| Average earning assets | $542,955,800 | 1,113 |
| Average equity | $61,394,400 | 1,187 |
| Average total loans | $378,268,400 | 1,168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,112 |
| Cost of funding earning assets | 0.5832% | 1,992 |
| Net interest margin | 3.3326% | 4,497 |
| Noninterest income to average assets | 0.9260% | 1,433 |
| Noninterest expense to average assets | 2.7813% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8691% | 3,078 |
| Return on assets (ROA) | 0.8691% | 3,169 |
| Pretax return on assets | 1.2419% | 2,604 |
| Return on Equity (ROE) | 8.2532% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.2532% | 1,243 |
| Net charge-offs to loans | -0.0328% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9898% | 3,680 |
| Assets per employee ($millions) | 3.5393% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 989 |
| Loan loss allowance to noncurrent loans | 78.3330% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 2.1225% | 1,322 |
| Noncurrent loans to loans | 2.7661% | 1,012 |
| Net loans and leases to total assets | 64.9923% | 3,028 |
| Net loans and leases to deposits | 80.5119% | 2,616 |
| Net loans and leases to core deposits | 81.4715% | 3,153 |
| Total domestic deposits to total assets | 80.7239% | 4,912 |
| Equity capital to assets | 10.9864% | 2,971 |
| Core capital (leverage) ratio | 10.0172% | 3,655 |
| Tier 1 risk-based capital ratio | 13.9282% | 4,270 |
| Total risk-based capital ratio | 15.1882% | 4,207 |
| Memoranda: | ||
| Average total assets | $582,976,750 | 1,145 |
| Average earning assets | $541,792,750 | 1,121 |
| Average equity | $61,388,750 | 1,199 |
| Average total loans | $373,681,000 | 1,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 4,159 |
| Cost of funding earning assets | 0.5825% | 2,052 |
| Net interest margin | 3.3113% | 4,542 |
| Noninterest income to average assets | 0.9068% | 1,481 |
| Noninterest expense to average assets | 2.7570% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8557% | 3,040 |
| Return on assets (ROA) | 0.8557% | 3,141 |
| Pretax return on assets | 1.2206% | 2,571 |
| Return on Equity (ROE) | 8.2449% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.2449% | 1,233 |
| Net charge-offs to loans | -0.2072% | 6,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1672% | 3,809 |
| Assets per employee ($millions) | 3.4118% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 931 |
| Loan loss allowance to noncurrent loans | 76.4186% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1476% | 1,431 |
| Noncurrent loans to loans | 2.9706% | 986 |
| Net loans and leases to total assets | 63.4277% | 3,174 |
| Net loans and leases to deposits | 78.2544% | 2,764 |
| Net loans and leases to core deposits | 79.2140% | 3,302 |
| Total domestic deposits to total assets | 81.0532% | 4,962 |
| Equity capital to assets | 10.6465% | 3,261 |
| Core capital (leverage) ratio | 9.8031% | 3,882 |
| Tier 1 risk-based capital ratio | 13.8378% | 4,359 |
| Total risk-based capital ratio | 15.0991% | 4,306 |
| Memoranda: | ||
| Average total assets | $583,823,000 | 1,135 |
| Average earning assets | $541,418,000 | 1,117 |
| Average equity | $60,595,330 | 1,202 |
| Average total loans | $369,709,670 | 1,196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,358 |
| Cost of funding earning assets | 0.5858% | 2,108 |
| Net interest margin | 3.2448% | 4,762 |
| Noninterest income to average assets | 0.8552% | 1,536 |
| Noninterest expense to average assets | 2.7408% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7906% | 3,196 |
| Return on assets (ROA) | 0.7906% | 3,271 |
| Pretax return on assets | 1.1162% | 2,828 |
| Return on Equity (ROE) | 7.7178% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.7178% | 1,718 |
| Net charge-offs to loans | -0.3076% | 6,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9172% | 3,663 |
| Assets per employee ($millions) | 3.5658% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,058 |
| Loan loss allowance to noncurrent loans | 72.9797% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.2518% | 1,466 |
| Noncurrent loans to loans | 3.1240% | 1,000 |
| Net loans and leases to total assets | 62.2361% | 3,199 |
| Net loans and leases to deposits | 76.3850% | 2,771 |
| Net loans and leases to core deposits | 77.1457% | 3,291 |
| Total domestic deposits to total assets | 81.4768% | 5,101 |
| Equity capital to assets | 10.2852% | 3,497 |
| Core capital (leverage) ratio | 9.7393% | 3,939 |
| Tier 1 risk-based capital ratio | 13.6969% | 4,542 |
| Total risk-based capital ratio | 14.9584% | 4,493 |
| Memoranda: | ||
| Average total assets | $582,318,500 | 1,147 |
| Average earning assets | $538,715,500 | 1,136 |
| Average equity | $59,654,500 | 1,226 |
| Average total loans | $364,134,500 | 1,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,798 |
| Cost of funding earning assets | 0.6377% | 2,313 |
| Net interest margin | 3.1680% | 5,100 |
| Noninterest income to average assets | 1.1364% | 1,087 |
| Noninterest expense to average assets | 3.0852% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6767% | 3,910 |
| Return on assets (ROA) | 0.7065% | 3,848 |
| Pretax return on assets | 1.0103% | 3,311 |
| Return on Equity (ROE) | 6.6414% | 3,753 |
| Retained earnings to average equity (ytd only) | 1.6603% | 5,040 |
| Net charge-offs to loans | 0.2022% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0574% | 2,740 |
| Efficiency ratio | 75.9740% | 2,772 |
| Assets per employee ($millions) | 3.4302% | 5,019 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 999 |
| Loan loss allowance to noncurrent loans | 68.4136% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.3633% | 1,472 |
| Noncurrent loans to loans | 3.4162% | 935 |
| Net loans and leases to total assets | 59.9175% | 3,736 |
| Net loans and leases to deposits | 73.5966% | 3,318 |
| Net loans and leases to core deposits | 74.1805% | 3,822 |
| Total domestic deposits to total assets | 81.4134% | 5,063 |
| Equity capital to assets | 10.2026% | 3,501 |
| Core capital (leverage) ratio | 9.7942% | 3,844 |
| Tier 1 risk-based capital ratio | 13.9153% | 4,351 |
| Total risk-based capital ratio | 15.1767% | 4,282 |
| Memoranda: | ||
| Average total assets | $566,152,600 | 1,167 |
| Average earning assets | $521,216,000 | 1,163 |
| Average equity | $60,228,400 | 1,192 |
| Average total loans | $336,287,200 | 1,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7871% | 4,904 |
| Cost of funding earning assets | 0.6462% | 2,395 |
| Net interest margin | 3.1409% | 5,188 |
| Noninterest income to average assets | 1.1908% | 1,038 |
| Noninterest expense to average assets | 3.1313% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6687% | 4,021 |
| Return on assets (ROA) | 0.7090% | 3,944 |
| Pretax return on assets | 1.0087% | 3,473 |
| Return on Equity (ROE) | 6.5953% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5953% | 2,082 |
| Net charge-offs to loans | 0.2566% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.2926% | 3,002 |
| Efficiency ratio | 76.5558% | 2,639 |
| Assets per employee ($millions) | 3.1490% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4415% | 998 |
| Loan loss allowance to noncurrent loans | 63.7152% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.0934% | 1,189 |
| Noncurrent loans to loans | 3.8319% | 942 |
| Net loans and leases to total assets | 59.1974% | 3,824 |
| Net loans and leases to deposits | 73.7082% | 3,285 |
| Net loans and leases to core deposits | 74.2308% | 3,813 |
| Total domestic deposits to total assets | 80.3131% | 5,423 |
| Equity capital to assets | 10.9118% | 2,846 |
| Core capital (leverage) ratio | 10.0469% | 3,608 |
| Tier 1 risk-based capital ratio | 14.9067% | 3,810 |
| Total risk-based capital ratio | 16.1693% | 3,755 |
| Memoranda: | ||
| Average total assets | $563,621,750 | 1,187 |
| Average earning assets | $518,909,000 | 1,185 |
| Average equity | $60,586,750 | 1,197 |
| Average total loans | $331,970,750 | 1,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,979 |
| Cost of funding earning assets | 0.6518% | 2,475 |
| Net interest margin | 3.1017% | 5,274 |
| Noninterest income to average assets | 1.1848% | 1,083 |
| Noninterest expense to average assets | 3.1556% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6267% | 4,172 |
| Return on assets (ROA) | 0.6879% | 4,032 |
| Pretax return on assets | 0.9723% | 3,628 |
| Return on Equity (ROE) | 6.4310% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.4310% | 2,185 |
| Net charge-offs to loans | 0.1707% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.9039% | 2,353 |
| Efficiency ratio | 77.9248% | 2,468 |
| Assets per employee ($millions) | 3.2803% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5794% | 899 |
| Loan loss allowance to noncurrent loans | 61.3239% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.1926% | 1,245 |
| Noncurrent loans to loans | 4.2062% | 889 |
| Net loans and leases to total assets | 57.9837% | 3,987 |
| Net loans and leases to deposits | 71.8736% | 3,467 |
| Net loans and leases to core deposits | 72.4233% | 3,993 |
| Total domestic deposits to total assets | 80.6746% | 5,429 |
| Equity capital to assets | 10.5604% | 3,226 |
| Core capital (leverage) ratio | 9.9060% | 3,649 |
| Tier 1 risk-based capital ratio | 14.7586% | 3,936 |
| Total risk-based capital ratio | 16.0225% | 3,889 |
| Memoranda: | ||
| Average total assets | $564,655,670 | 1,186 |
| Average earning assets | $520,108,330 | 1,184 |
| Average equity | $60,394,670 | 1,207 |
| Average total loans | $329,255,330 | 1,290 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 5,232 |
| Cost of funding earning assets | 0.6624% | 2,546 |
| Net interest margin | 3.0172% | 5,523 |
| Noninterest income to average assets | 1.1415% | 1,147 |
| Noninterest expense to average assets | 3.1327% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5729% | 4,345 |
| Return on assets (ROA) | 0.5615% | 4,559 |
| Pretax return on assets | 0.7704% | 4,293 |
| Return on Equity (ROE) | 5.2171% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.2171% | 3,104 |
| Net charge-offs to loans | 0.2393% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.6923% | 2,336 |
| Efficiency ratio | 79.7795% | 2,366 |
| Assets per employee ($millions) | 3.3880% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 912 |
| Loan loss allowance to noncurrent loans | 55.9800% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.5826% | 1,175 |
| Noncurrent loans to loans | 4.8288% | 804 |
| Net loans and leases to total assets | 55.9868% | 4,075 |
| Net loans and leases to deposits | 69.5283% | 3,572 |
| Net loans and leases to core deposits | 70.0610% | 4,076 |
| Total domestic deposits to total assets | 80.5238% | 5,621 |
| Equity capital to assets | 10.8469% | 3,149 |
| Core capital (leverage) ratio | 9.7602% | 3,716 |
| Tier 1 risk-based capital ratio | 14.8364% | 3,946 |
| Total risk-based capital ratio | 16.1015% | 3,901 |
| Memoranda: | ||
| Average total assets | $564,878,500 | 1,202 |
| Average earning assets | $519,948,000 | 1,194 |
| Average equity | $60,800,500 | 1,209 |
| Average total loans | $325,977,000 | 1,305 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 4,906 |
| Cost of funding earning assets | 0.7696% | 2,921 |
| Net interest margin | 3.3413% | 5,102 |
| Noninterest income to average assets | 1.1893% | 1,109 |
| Noninterest expense to average assets | 3.3877% | 2,078 |
| Loan and lease loss provision to assets | 0.3828% | 1,708 |
| Net operating income to assets | 0.3514% | 5,287 |
| Return on assets (ROA) | 0.3508% | 5,510 |
| Pretax return on assets | 0.4579% | 5,405 |
| Return on Equity (ROE) | 3.2565% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.0021% | 4,814 |
| Net charge-offs to loans | 1.0137% | 1,073 |
| Credit loss provision to net charge-offs | 63.6037% | 4,354 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 4,754 |
| Efficiency ratio | 79.9548% | 2,153 |
| Assets per employee ($millions) | 3.3771% | 5,267 |
| Cash dividends to net income (ytd only)* | 38.5208% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7238% | 898 |
| Loan loss allowance to noncurrent loans | 53.7698% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.7896% | 1,159 |
| Noncurrent loans to loans | 5.0656% | 781 |
| Net loans and leases to total assets | 56.2949% | 4,237 |
| Net loans and leases to deposits | 69.7602% | 3,740 |
| Net loans and leases to core deposits | 70.0952% | 4,294 |
| Total domestic deposits to total assets | 80.6977% | 5,487 |
| Equity capital to assets | 10.6807% | 3,312 |
| Core capital (leverage) ratio | 9.6891% | 3,824 |
| Tier 1 risk-based capital ratio | 14.5691% | 3,979 |
| Total risk-based capital ratio | 15.8350% | 3,929 |
| Memoranda: | ||
| Average total assets | $555,093,800 | 1,208 |
| Average earning assets | $505,049,400 | 1,200 |
| Average equity | $59,788,000 | 1,189 |
| Average total loans | $329,573,800 | 1,277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 4,925 |
| Cost of funding earning assets | 0.7875% | 3,049 |
| Net interest margin | 3.3810% | 5,090 |
| Noninterest income to average assets | 1.2366% | 977 |
| Noninterest expense to average assets | 3.3739% | 2,071 |
| Loan and lease loss provision to assets | 0.5132% | 1,187 |
| Net operating income to assets | 0.3227% | 5,536 |
| Return on assets (ROA) | 0.3331% | 5,703 |
| Pretax return on assets | 0.4335% | 5,638 |
| Return on Equity (ROE) | 3.0857% | 5,647 |
| Retained earnings to average equity (ytd only) | 3.0857% | 4,700 |
| Net charge-offs to loans | 1.4611% | 604 |
| Credit loss provision to net charge-offs | 58.7828% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.0689% | 4,777 |
| Efficiency ratio | 78.1921% | 2,375 |
| Assets per employee ($millions) | 3.2766% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6945% | 988 |
| Loan loss allowance to noncurrent loans | 55.6026% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.1663% | 1,146 |
| Noncurrent loans to loans | 4.8461% | 944 |
| Net loans and leases to total assets | 56.2019% | 4,419 |
| Net loans and leases to deposits | 71.0189% | 3,749 |
| Net loans and leases to core deposits | 71.3726% | 4,329 |
| Total domestic deposits to total assets | 79.1364% | 5,836 |
| Equity capital to assets | 10.9276% | 3,347 |
| Core capital (leverage) ratio | 9.7199% | 3,922 |
| Tier 1 risk-based capital ratio | 14.8003% | 3,982 |
| Total risk-based capital ratio | 16.0656% | 3,927 |
| Memoranda: | ||
| Average total assets | $552,030,250 | 1,226 |
| Average earning assets | $501,339,000 | 1,223 |
| Average equity | $59,585,750 | 1,200 |
| Average total loans | $329,884,500 | 1,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 4,860 |
| Cost of funding earning assets | 0.7979% | 3,209 |
| Net interest margin | 3.4275% | 4,983 |
| Noninterest income to average assets | 1.2890% | 854 |
| Noninterest expense to average assets | 3.4057% | 2,019 |
| Loan and lease loss provision to assets | 0.4633% | 1,380 |
| Net operating income to assets | 0.3865% | 5,263 |
| Return on assets (ROA) | 0.4125% | 5,403 |
| Pretax return on assets | 0.5665% | 5,257 |
| Return on Equity (ROE) | 3.8372% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.8372% | 4,060 |
| Net charge-offs to loans | 0.9783% | 1,135 |
| Credit loss provision to net charge-offs | 78.3651% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.6816% | 4,148 |
| Efficiency ratio | 77.2630% | 2,555 |
| Assets per employee ($millions) | 3.4613% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9723% | 803 |
| Loan loss allowance to noncurrent loans | 71.5578% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 3.9229% | 1,318 |
| Noncurrent loans to loans | 4.1537% | 1,320 |
| Net loans and leases to total assets | 57.8074% | 4,197 |
| Net loans and leases to deposits | 72.7759% | 3,490 |
| Net loans and leases to core deposits | 73.0964% | 4,152 |
| Total domestic deposits to total assets | 79.4321% | 5,877 |
| Equity capital to assets | 10.8188% | 3,320 |
| Core capital (leverage) ratio | 9.7127% | 3,815 |
| Tier 1 risk-based capital ratio | 14.5979% | 4,034 |
| Total risk-based capital ratio | 15.8667% | 3,986 |
| Memoranda: | ||
| Average total assets | $550,367,330 | 1,230 |
| Average earning assets | $499,548,330 | 1,233 |
| Average equity | $59,158,000 | 1,203 |
| Average total loans | $332,604,670 | 1,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 4,946 |
| Cost of funding earning assets | 0.8162% | 3,342 |
| Net interest margin | 3.4290% | 4,999 |
| Noninterest income to average assets | 1.1082% | 1,153 |
| Noninterest expense to average assets | 3.5250% | 1,704 |
| Loan and lease loss provision to assets | 0.3463% | 1,804 |
| Net operating income to assets | 0.2519% | 5,812 |
| Return on assets (ROA) | 0.3047% | 5,809 |
| Pretax return on assets | 0.4141% | 5,681 |
| Return on Equity (ROE) | 2.8445% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,825 |
| Net charge-offs to loans | 0.0371% | 4,179 |
| Credit loss provision to net charge-offs | 1,532.2581% | 215 |
| Earnings coverage of net charge-offs (x) | 30.4839% | 909 |
| Efficiency ratio | 83.5121% | 1,737 |
| Assets per employee ($millions) | 3.2333% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1982% | 688 |
| Loan loss allowance to noncurrent loans | 68.6500% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 4.5266% | 1,179 |
| Noncurrent loans to loans | 4.6586% | 1,231 |
| Net loans and leases to total assets | 58.3869% | 3,975 |
| Net loans and leases to deposits | 73.5344% | 3,192 |
| Net loans and leases to core deposits | 74.0938% | 3,890 |
| Total domestic deposits to total assets | 79.4009% | 5,997 |
| Equity capital to assets | 10.7526% | 3,205 |
| Core capital (leverage) ratio | 9.7913% | 3,654 |
| Tier 1 risk-based capital ratio | 14.5341% | 4,077 |
| Total risk-based capital ratio | 15.8059% | 4,019 |
| Memoranda: | ||
| Average total assets | $548,648,000 | 1,237 |
| Average earning assets | $496,934,500 | 1,239 |
| Average equity | $58,779,500 | 1,209 |
| Average total loans | $333,933,000 | 1,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 4,345 |
| Cost of funding earning assets | 0.9912% | 3,441 |
| Net interest margin | 3.6849% | 4,366 |
| Noninterest income to average assets | 1.1138% | 1,067 |
| Noninterest expense to average assets | 3.4231% | 2,182 |
| Loan and lease loss provision to assets | 1.6634% | 412 |
| Net operating income to assets | -0.3382% | 6,373 |
| Return on assets (ROA) | -0.3110% | 6,404 |
| Pretax return on assets | -0.5770% | 6,542 |
| Return on Equity (ROE) | -3.0855% | 6,419 |
| Retained earnings to average equity (ytd only) | -3.0855% | 6,286 |
| Net charge-offs to loans | 1.4659% | 1,100 |
| Credit loss provision to net charge-offs | 175.4060% | 1,500 |
| Earnings coverage of net charge-offs (x) | 1.1008% | 4,961 |
| Efficiency ratio | 76.4901% | 2,825 |
| Assets per employee ($millions) | 3.1293% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0205% | 795 |
| Loan loss allowance to noncurrent loans | 76.5677% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 4.1493% | 1,370 |
| Noncurrent loans to loans | 3.9449% | 1,588 |
| Net loans and leases to total assets | 59.5604% | 4,069 |
| Net loans and leases to deposits | 75.0174% | 3,341 |
| Net loans and leases to core deposits | 75.9051% | 3,991 |
| Total domestic deposits to total assets | 79.3955% | 5,896 |
| Equity capital to assets | 10.6743% | 3,338 |
| Core capital (leverage) ratio | 9.9118% | 3,438 |
| Tier 1 risk-based capital ratio | 14.5468% | 3,937 |
| Total risk-based capital ratio | 15.8174% | 3,899 |
| Memoranda: | ||
| Average total assets | $538,958,000 | 1,231 |
| Average earning assets | $490,430,200 | 1,240 |
| Average equity | $54,318,200 | 1,252 |
| Average total loans | $348,665,200 | 1,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 4,245 |
| Cost of funding earning assets | 1.0346% | 3,432 |
| Net interest margin | 3.7124% | 4,279 |
| Noninterest income to average assets | 1.1172% | 1,068 |
| Noninterest expense to average assets | 3.3939% | 2,202 |
| Loan and lease loss provision to assets | 1.6803% | 372 |
| Net operating income to assets | -0.3086% | 6,506 |
| Return on assets (ROA) | -0.2531% | 6,514 |
| Pretax return on assets | -0.4861% | 6,611 |
| Return on Equity (ROE) | -2.5498% | 6,528 |
| Retained earnings to average equity (ytd only) | -2.5498% | 6,365 |
| Net charge-offs to loans | 1.4112% | 1,055 |
| Credit loss provision to net charge-offs | 181.7083% | 1,632 |
| Earnings coverage of net charge-offs (x) | 1.1977% | 4,728 |
| Efficiency ratio | 75.2580% | 2,963 |
| Assets per employee ($millions) | 3.1835% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7068% | 1,124 |
| Loan loss allowance to noncurrent loans | 72.7960% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 3.8347% | 1,614 |
| Noncurrent loans to loans | 3.7184% | 1,831 |
| Net loans and leases to total assets | 63.9589% | 3,315 |
| Net loans and leases to deposits | 80.5625% | 2,583 |
| Net loans and leases to core deposits | 81.7057% | 3,371 |
| Total domestic deposits to total assets | 79.3903% | 5,888 |
| Equity capital to assets | 10.3291% | 3,923 |
| Core capital (leverage) ratio | 8.7541% | 5,329 |
| Tier 1 risk-based capital ratio | 13.1205% | 5,008 |
| Total risk-based capital ratio | 14.3878% | 4,974 |
| Memoranda: | ||
| Average total assets | $536,789,500 | 1,241 |
| Average earning assets | $489,333,000 | 1,247 |
| Average equity | $53,283,750 | 1,277 |
| Average total loans | $351,748,750 | 1,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 4,475 |
| Cost of funding earning assets | 1.0389% | 3,676 |
| Net interest margin | 3.6752% | 4,380 |
| Noninterest income to average assets | 0.9929% | 1,340 |
| Noninterest expense to average assets | 3.4053% | 2,240 |
| Loan and lease loss provision to assets | 2.2807% | 245 |
| Net operating income to assets | -0.7915% | 6,867 |
| Return on assets (ROA) | -0.7780% | 6,870 |
| Pretax return on assets | -1.3177% | 7,005 |
| Return on Equity (ROE) | -7.9419% | 6,863 |
| Retained earnings to average equity (ytd only) | -7.9419% | 6,773 |
| Net charge-offs to loans | 1.7327% | 820 |
| Credit loss provision to net charge-offs | 201.0763% | 1,499 |
| Earnings coverage of net charge-offs (x) | 0.8304% | 4,681 |
| Efficiency ratio | 78.1891% | 2,680 |
| Assets per employee ($millions) | 3.1167% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6441% | 1,252 |
| Loan loss allowance to noncurrent loans | 76.9369% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 3.2162% | 2,086 |
| Noncurrent loans to loans | 3.4367% | 2,059 |
| Net loans and leases to total assets | 63.4840% | 3,582 |
| Net loans and leases to deposits | 80.8546% | 2,634 |
| Net loans and leases to core deposits | 82.2902% | 3,460 |
| Total domestic deposits to total assets | 78.5163% | 6,184 |
| Equity capital to assets | 9.7056% | 4,529 |
| Core capital (leverage) ratio | 8.5772% | 5,435 |
| Tier 1 risk-based capital ratio | 12.4785% | 5,369 |
| Total risk-based capital ratio | 13.7452% | 5,325 |
| Memoranda: | ||
| Average total assets | $540,625,000 | 1,237 |
| Average earning assets | $493,417,000 | 1,238 |
| Average equity | $52,959,330 | 1,270 |
| Average total loans | $353,894,330 | 1,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 4,278 |
| Cost of funding earning assets | 1.0566% | 3,804 |
| Net interest margin | 3.6984% | 4,117 |
| Noninterest income to average assets | 1.0315% | 1,237 |
| Noninterest expense to average assets | 3.5108% | 1,978 |
| Loan and lease loss provision to assets | 3.6973% | 120 |
| Net operating income to assets | -1.7180% | 7,241 |
| Return on assets (ROA) | -1.6647% | 7,238 |
| Pretax return on assets | -2.7245% | 7,353 |
| Return on Equity (ROE) | -16.9149% | 7,181 |
| Retained earnings to average equity (ytd only) | -16.9149% | 7,090 |
| Net charge-offs to loans | 1.1218% | 1,237 |
| Credit loss provision to net charge-offs | 502.5253% | 711 |
| Earnings coverage of net charge-offs (x) | 1.2091% | 3,759 |
| Efficiency ratio | 79.6487% | 2,587 |
| Assets per employee ($millions) | 3.0408% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9201% | 989 |
| Loan loss allowance to noncurrent loans | 93.3249% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 3.2746% | 2,094 |
| Noncurrent loans to loans | 3.1290% | 2,402 |
| Net loans and leases to total assets | 63.5599% | 3,527 |
| Net loans and leases to deposits | 80.9676% | 2,535 |
| Net loans and leases to core deposits | 83.0415% | 3,300 |
| Total domestic deposits to total assets | 78.5005% | 6,298 |
| Equity capital to assets | 9.6168% | 4,292 |
| Core capital (leverage) ratio | 8.6916% | 5,096 |
| Tier 1 risk-based capital ratio | 12.6057% | 5,159 |
| Total risk-based capital ratio | 13.8757% | 5,120 |
| Memoranda: | ||
| Average total assets | $538,228,000 | 1,250 |
| Average earning assets | $490,265,500 | 1,252 |
| Average equity | $52,971,000 | 1,263 |
| Average total loans | $353,012,500 | 1,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 3,519 |
| Cost of funding earning assets | 1.3861% | 3,357 |
| Net interest margin | 3.8323% | 3,807 |
| Noninterest income to average assets | 1.2474% | 958 |
| Noninterest expense to average assets | 3.4818% | 2,228 |
| Loan and lease loss provision to assets | 0.5979% | 2,747 |
| Net operating income to assets | 0.4248% | 4,433 |
| Return on assets (ROA) | 0.4040% | 4,657 |
| Pretax return on assets | 0.5721% | 4,414 |
| Return on Equity (ROE) | 3.9949% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.4080% | 4,829 |
| Net charge-offs to loans | 1.0937% | 2,039 |
| Credit loss provision to net charge-offs | 78.9539% | 5,589 |
| Earnings coverage of net charge-offs (x) | 1.5838% | 4,548 |
| Efficiency ratio | 74.2386% | 3,347 |
| Assets per employee ($millions) | 3.0408% | 6,013 |
| Cash dividends to net income (ytd only)* | 64.7549% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,919 |
| Loan loss allowance to noncurrent loans | 62.8990% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.5468% | 1,945 |
| Noncurrent loans to loans | 2.8345% | 2,684 |
| Net loans and leases to total assets | 64.5326% | 3,752 |
| Net loans and leases to deposits | 82.7699% | 2,667 |
| Net loans and leases to core deposits | 84.4780% | 3,529 |
| Total domestic deposits to total assets | 77.9663% | 6,321 |
| Equity capital to assets | 10.0667% | 3,665 |
| Core capital (leverage) ratio | 9.2689% | 4,074 |
| Tier 1 risk-based capital ratio | 13.2409% | 4,418 |
| Total risk-based capital ratio | 14.4974% | 4,365 |
| Memoranda: | ||
| Average total assets | $535,184,000 | 1,255 |
| Average earning assets | $479,530,200 | 1,278 |
| Average equity | $54,118,600 | 1,234 |
| Average total loans | $370,569,200 | 1,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 3,349 |
| Cost of funding earning assets | 1.4611% | 3,215 |
| Net interest margin | 3.8407% | 3,796 |
| Noninterest income to average assets | 1.2671% | 858 |
| Noninterest expense to average assets | 3.4204% | 2,235 |
| Loan and lease loss provision to assets | 0.6112% | 2,493 |
| Net operating income to assets | 0.4653% | 4,464 |
| Return on assets (ROA) | 0.4378% | 4,772 |
| Pretax return on assets | 0.6242% | 4,513 |
| Return on Equity (ROE) | 4.3250% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.5857% | 3,925 |
| Net charge-offs to loans | 1.0373% | 1,948 |
| Credit loss provision to net charge-offs | 84.0192% | 4,998 |
| Earnings coverage of net charge-offs (x) | 1.7521% | 4,399 |
| Efficiency ratio | 72.7137% | 3,571 |
| Assets per employee ($millions) | 2.9596% | 6,250 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,746 |
| Loan loss allowance to noncurrent loans | 61.6263% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.9124% | 1,798 |
| Noncurrent loans to loans | 2.9404% | 2,714 |
| Net loans and leases to total assets | 69.2209% | 2,927 |
| Net loans and leases to deposits | 90.8712% | 1,601 |
| Net loans and leases to core deposits | 93.0398% | 2,657 |
| Total domestic deposits to total assets | 76.1748% | 6,621 |
| Equity capital to assets | 10.5478% | 3,470 |
| Core capital (leverage) ratio | 9.2284% | 4,323 |
| Tier 1 risk-based capital ratio | 12.9865% | 4,587 |
| Total risk-based capital ratio | 14.2435% | 4,557 |
| Memoranda: | ||
| Average total assets | $534,422,500 | 1,269 |
| Average earning assets | $476,987,250 | 1,300 |
| Average equity | $54,102,750 | 1,234 |
| Average total loans | $374,801,750 | 1,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 3,936 |
| Cost of funding earning assets | 1.4664% | 3,451 |
| Net interest margin | 3.7373% | 4,199 |
| Noninterest income to average assets | 1.2120% | 879 |
| Noninterest expense to average assets | 3.4160% | 2,221 |
| Loan and lease loss provision to assets | 0.6320% | 2,267 |
| Net operating income to assets | 0.3577% | 4,935 |
| Return on assets (ROA) | 0.3327% | 5,211 |
| Pretax return on assets | 0.4566% | 5,043 |
| Return on Equity (ROE) | 3.3322% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.3322% | 3,987 |
| Net charge-offs to loans | 0.7270% | 2,405 |
| Credit loss provision to net charge-offs | 124.1782% | 3,261 |
| Earnings coverage of net charge-offs (x) | 2.2060% | 3,911 |
| Efficiency ratio | 75.1229% | 3,240 |
| Assets per employee ($millions) | 2.9824% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 2,126 |
| Loan loss allowance to noncurrent loans | 46.0182% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 4.3694% | 1,526 |
| Noncurrent loans to loans | 4.3958% | 1,668 |
| Net loans and leases to total assets | 67.5684% | 3,479 |
| Net loans and leases to deposits | 91.0050% | 1,689 |
| Net loans and leases to core deposits | 96.8116% | 2,346 |
| Total domestic deposits to total assets | 74.2470% | 6,947 |
| Equity capital to assets | 10.1554% | 3,829 |
| Core capital (leverage) ratio | 9.1482% | 4,376 |
| Tier 1 risk-based capital ratio | 12.8143% | 4,594 |
| Total risk-based capital ratio | 14.0738% | 4,546 |
| Memoranda: | ||
| Average total assets | $537,945,670 | 1,267 |
| Average earning assets | $478,852,330 | 1,297 |
| Average equity | $53,718,670 | 1,239 |
| Average total loans | $376,633,000 | 1,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 3,744 |
| Cost of funding earning assets | 1.4924% | 3,609 |
| Net interest margin | 3.7652% | 3,938 |
| Noninterest income to average assets | 1.1484% | 945 |
| Noninterest expense to average assets | 3.4080% | 2,208 |
| Loan and lease loss provision to assets | 0.4085% | 2,917 |
| Net operating income to assets | 0.4717% | 4,527 |
| Return on assets (ROA) | 0.4717% | 4,657 |
| Pretax return on assets | 0.6752% | 4,318 |
| Return on Equity (ROE) | 4.7637% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.7637% | 3,288 |
| Net charge-offs to loans | -0.1643% | 7,633 |
| Credit loss provision to net charge-offs | -352.5641% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7235% | 3,265 |
| Assets per employee ($millions) | 3.0264% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 2,013 |
| Loan loss allowance to noncurrent loans | 43.2468% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 4.8614% | 1,345 |
| Noncurrent loans to loans | 4.7877% | 1,535 |
| Net loans and leases to total assets | 69.8291% | 2,978 |
| Net loans and leases to deposits | 94.0138% | 1,347 |
| Net loans and leases to core deposits | 94.8911% | 2,720 |
| Total domestic deposits to total assets | 74.2754% | 7,009 |
| Equity capital to assets | 10.0720% | 3,778 |
| Core capital (leverage) ratio | 9.0623% | 4,454 |
| Tier 1 risk-based capital ratio | 12.5078% | 4,741 |
| Total risk-based capital ratio | 13.7681% | 4,685 |
| Memoranda: | ||
| Average total assets | $538,505,500 | 1,299 |
| Average earning assets | $478,167,500 | 1,336 |
| Average equity | $53,319,500 | 1,253 |
| Average total loans | $379,842,500 | 1,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 6,236 |
| Cost of funding earning assets | 2.1813% | 2,111 |
| Net interest margin | 2.8756% | 6,905 |
| Noninterest income to average assets | 0.9518% | 1,742 |
| Noninterest expense to average assets | 3.3696% | 2,778 |
| Loan and lease loss provision to assets | 2.0478% | 1,044 |
| Net operating income to assets | -1.1323% | 6,664 |
| Return on assets (ROA) | -1.0963% | 6,644 |
| Pretax return on assets | -1.7926% | 6,857 |
| Return on Equity (ROE) | -12.5667% | 6,804 |
| Retained earnings to average equity (ytd only) | -12.5667% | 6,725 |
| Net charge-offs to loans | 3.4815% | 556 |
| Credit loss provision to net charge-offs | 86.4573% | 6,117 |
| Earnings coverage of net charge-offs (x) | 0.0753% | 6,087 |
| Efficiency ratio | 94.8144% | 1,362 |
| Assets per employee ($millions) | 3.0930% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 2,301 |
| Loan loss allowance to noncurrent loans | 37.8911% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 5.1989% | 1,154 |
| Noncurrent loans to loans | 4.9729% | 1,361 |
| Net loans and leases to total assets | 68.4690% | 3,595 |
| Net loans and leases to deposits | 91.4364% | 1,980 |
| Net loans and leases to core deposits | 100.1483% | 3,979 |
| Total domestic deposits to total assets | 74.8816% | 6,884 |
| Equity capital to assets | 9.7344% | 4,097 |
| Core capital (leverage) ratio | 8.2984% | 5,623 |
| Tier 1 risk-based capital ratio | 12.1256% | 4,831 |
| Total risk-based capital ratio | 13.3832% | 4,794 |
| Memoranda: | ||
| Average total assets | $610,404,800 | 1,136 |
| Average earning assets | $551,056,000 | 1,143 |
| Average equity | $53,251,800 | 1,243 |
| Average total loans | $415,281,200 | 1,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 6,597 |
| Cost of funding earning assets | 2.2437% | 2,213 |
| Net interest margin | 2.7574% | 7,122 |
| Noninterest income to average assets | 0.9949% | 1,625 |
| Noninterest expense to average assets | 3.2778% | 3,000 |
| Loan and lease loss provision to assets | 2.0417% | 877 |
| Net operating income to assets | -1.1028% | 6,899 |
| Return on assets (ROA) | -0.9964% | 6,835 |
| Pretax return on assets | -1.6570% | 7,028 |
| Return on Equity (ROE) | -11.7158% | 7,004 |
| Retained earnings to average equity (ytd only) | -11.7158% | 6,933 |
| Net charge-offs to loans | 3.4762% | 433 |
| Credit loss provision to net charge-offs | 86.8150% | 5,571 |
| Earnings coverage of net charge-offs (x) | 0.0929% | 5,952 |
| Efficiency ratio | 93.5945% | 1,425 |
| Assets per employee ($millions) | 3.3514% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 1,913 |
| Loan loss allowance to noncurrent loans | 41.9846% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 4.4798% | 1,370 |
| Noncurrent loans to loans | 4.6332% | 1,491 |
| Net loans and leases to total assets | 63.6354% | 4,946 |
| Net loans and leases to deposits | 90.0878% | 2,565 |
| Net loans and leases to core deposits | 108.7044% | 3,385 |
| Total domestic deposits to total assets | 70.6371% | 7,361 |
| Equity capital to assets | 9.1332% | 5,283 |
| Core capital (leverage) ratio | 8.0695% | 6,238 |
| Tier 1 risk-based capital ratio | 12.1583% | 4,830 |
| Total risk-based capital ratio | 13.4165% | 4,775 |
| Memoranda: | ||
| Average total assets | $626,914,500 | 1,122 |
| Average earning assets | $568,677,500 | 1,123 |
| Average equity | $53,317,000 | 1,254 |
| Average total loans | $424,131,500 | 1,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 6,733 |
| Cost of funding earning assets | 2.3045% | 2,344 |
| Net interest margin | 2.7052% | 7,185 |
| Noninterest income to average assets | 0.9109% | 1,940 |
| Noninterest expense to average assets | 3.2957% | 2,976 |
| Loan and lease loss provision to assets | 2.5249% | 616 |
| Net operating income to assets | -1.4999% | 7,247 |
| Return on assets (ROA) | -1.3912% | 7,203 |
| Pretax return on assets | -2.2854% | 7,368 |
| Return on Equity (ROE) | -16.7536% | 7,411 |
| Retained earnings to average equity (ytd only) | -16.7536% | 7,334 |
| Net charge-offs to loans | 4.0688% | 345 |
| Credit loss provision to net charge-offs | 90.5490% | 4,906 |
| Earnings coverage of net charge-offs (x) | 0.0250% | 5,649 |
| Efficiency ratio | 97.7680% | 1,275 |
| Assets per employee ($millions) | 3.3714% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 1,547 |
| Loan loss allowance to noncurrent loans | 35.6233% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 5.1189% | 1,018 |
| Noncurrent loans to loans | 5.6407% | 1,014 |
| Net loans and leases to total assets | 65.0981% | 4,745 |
| Net loans and leases to deposits | 92.2587% | 2,421 |
| Net loans and leases to core deposits | 109.4096% | 3,442 |
| Total domestic deposits to total assets | 70.5604% | 7,412 |
| Equity capital to assets | 8.7953% | 5,603 |
| Core capital (leverage) ratio | 7.9931% | 6,344 |
| Tier 1 risk-based capital ratio | 11.7210% | 5,174 |
| Total risk-based capital ratio | 12.9800% | 5,091 |
| Memoranda: | ||
| Average total assets | $633,682,670 | 1,127 |
| Average earning assets | $574,968,330 | 1,133 |
| Average equity | $52,621,670 | 1,290 |
| Average total loans | $434,283,000 | 1,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1366% | 6,538 |
| Cost of funding earning assets | 2.3490% | 2,511 |
| Net interest margin | 2.7876% | 7,021 |
| Noninterest income to average assets | 1.1350% | 1,148 |
| Noninterest expense to average assets | 3.1389% | 3,236 |
| Loan and lease loss provision to assets | 0.8121% | 1,590 |
| Net operating income to assets | -0.1349% | 6,463 |
| Return on assets (ROA) | -0.1349% | 6,566 |
| Pretax return on assets | -0.2830% | 6,659 |
| Return on Equity (ROE) | -1.6727% | 6,626 |
| Retained earnings to average equity (ytd only) | -1.6727% | 6,034 |
| Net charge-offs to loans | 1.6023% | 905 |
| Credit loss provision to net charge-offs | 72.8700% | 4,304 |
| Earnings coverage of net charge-offs (x) | 0.4748% | 4,610 |
| Efficiency ratio | 85.4223% | 2,138 |
| Assets per employee ($millions) | 3.4143% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 1,467 |
| Loan loss allowance to noncurrent loans | 34.5446% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 5.3610% | 809 |
| Noncurrent loans to loans | 5.7245% | 861 |
| Net loans and leases to total assets | 67.7402% | 4,199 |
| Net loans and leases to deposits | 96.6873% | 1,838 |
| Net loans and leases to core deposits | 119.5636% | 2,458 |
| Total domestic deposits to total assets | 70.0611% | 7,419 |
| Equity capital to assets | 8.4884% | 6,089 |
| Core capital (leverage) ratio | 7.5279% | 7,125 |
| Tier 1 risk-based capital ratio | 10.4573% | 6,437 |
| Total risk-based capital ratio | 11.7159% | 6,344 |
| Memoranda: | ||
| Average total assets | $640,352,000 | 1,118 |
| Average earning assets | $581,868,000 | 1,123 |
| Average equity | $51,652,000 | 1,324 |
| Average total loans | $445,368,000 | 1,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8854% | 6,111 |
| Cost of funding earning assets | 2.7813% | 2,781 |
| Net interest margin | 3.1041% | 6,643 |
| Noninterest income to average assets | 0.8432% | 2,276 |
| Noninterest expense to average assets | 2.7673% | 4,972 |
| Loan and lease loss provision to assets | 2.7775% | 343 |
| Net operating income to assets | -1.1224% | 7,303 |
| Return on assets (ROA) | -1.1779% | 7,270 |
| Pretax return on assets | -1.9396% | 7,423 |
| Return on Equity (ROE) | -14.9055% | 7,585 |
| Retained earnings to average equity (ytd only) | -26.3334% | 7,834 |
| Net charge-offs to loans | 2.7406% | 341 |
| Credit loss provision to net charge-offs | 143.0586% | 3,699 |
| Earnings coverage of net charge-offs (x) | 0.4762% | 5,952 |
| Efficiency ratio | 74.8176% | 3,434 |
| Assets per employee ($millions) | 3.5275% | 4,599 |
| Cash dividends to net income (ytd only)* | -76.6687% | 8,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 1,208 |
| Loan loss allowance to noncurrent loans | 32.4771% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 4.9305% | 712 |
| Noncurrent loans to loans | 6.1795% | 555 |
| Net loans and leases to total assets | 68.5778% | 4,346 |
| Net loans and leases to deposits | 96.0071% | 2,451 |
| Net loans and leases to core deposits | 120.0927% | 2,679 |
| Total domestic deposits to total assets | 71.4299% | 7,098 |
| Equity capital to assets | 7.6553% | 7,251 |
| Core capital (leverage) ratio | 6.8783% | 7,780 |
| Tier 1 risk-based capital ratio | 9.4813% | 7,330 |
| Total risk-based capital ratio | 10.7407% | 7,237 |
| Memoranda: | ||
| Average total assets | $683,012,200 | 973 |
| Average earning assets | $626,823,400 | 966 |
| Average equity | $53,973,200 | 1,248 |
| Average total loans | $483,876,600 | 990 |