Home > CorTrust Bank > Performance and Condition Ratios
CorTrust 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 | 4.9490% | 2,179 |
| Cost of funding earning assets | 1.5482% | 1,817 |
| Net interest margin | 3.4009% | 2,403 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.4221% | 639 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | 0.2645% | 4,075 |
| Return on assets (ROA) | 0.1993% | 4,177 |
| Pretax return on assets | 0.2518% | 4,140 |
| Return on Equity (ROE) | 2.8500% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.2019% | 3,783 |
| Net charge-offs to loans | 1.1323% | 87 |
| Credit loss provision to net charge-offs | 67.2630% | 2,109 |
| Earnings coverage of net charge-offs (x) | 1.1312% | 2,778 |
| Efficiency ratio | 78.7727% | 1,005 |
| Assets per employee ($millions) | 5.1028% | 3,557 |
| Cash dividends to net income (ytd only)* | 57.7882% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 781 |
| Loan loss allowance to noncurrent loans | 1,891.9478% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,201 |
| Noncurrent loans to loans | 0.0865% | 3,114 |
| Net loans and leases to total assets | 65.0100% | 2,364 |
| Net loans and leases to deposits | 76.9358% | 2,358 |
| Net loans and leases to core deposits | 83.7144% | 2,477 |
| Total domestic deposits to total assets | 84.5000% | 2,468 |
| Equity capital to assets | 7.2909% | 3,823 |
| Core capital (leverage) ratio | 9.0282% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0870% | 2,213 |
| Memoranda: | ||
| Average total assets | $1,610,548,600 | 679 |
| Average earning assets | $1,480,327,400 | 671 |
| Average equity | $112,736,200 | 868 |
| Average total loans | $1,036,761,000 | 706 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 2,163 |
| Cost of funding earning assets | 1.4467% | 1,742 |
| Net interest margin | 3.4029% | 2,449 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 3.5069% | 551 |
| Loan and lease loss provision to assets | 0.4500% | 176 |
| Net operating income to assets | 0.2439% | 4,187 |
| Return on assets (ROA) | 0.1494% | 4,293 |
| Pretax return on assets | 0.1735% | 4,285 |
| Return on Equity (ROE) | 2.1600% | 4,181 |
| Retained earnings to average equity (ytd only) | -0.0597% | 4,154 |
| Net charge-offs to loans | 1.0881% | 86 |
| Credit loss provision to net charge-offs | 64.6212% | 1,836 |
| Earnings coverage of net charge-offs (x) | 1.0535% | 2,549 |
| Efficiency ratio | 80.8962% | 810 |
| Assets per employee ($millions) | 5.0330% | 3,586 |
| Cash dividends to net income (ytd only)* | 102.7701% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 677 |
| Loan loss allowance to noncurrent loans | 417.7346% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 1,874 |
| Noncurrent loans to loans | 0.4110% | 1,800 |
| Net loans and leases to total assets | 65.0900% | 2,335 |
| Net loans and leases to deposits | 76.7499% | 2,359 |
| Net loans and leases to core deposits | 83.2643% | 2,374 |
| Total domestic deposits to total assets | 84.8100% | 2,557 |
| Equity capital to assets | 6.9468% | 3,639 |
| Core capital (leverage) ratio | 8.9213% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8708% | 2,312 |
| Memoranda: | ||
| Average total assets | $1,611,340,750 | 681 |
| Average earning assets | $1,481,488,250 | 675 |
| Average equity | $111,622,250 | 872 |
| Average total loans | $1,030,372,000 | 709 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 2,159 |
| Cost of funding earning assets | 1.2956% | 1,722 |
| Net interest margin | 3.4268% | 2,458 |
| Noninterest income to average assets | 1.1200% | 481 |
| Noninterest expense to average assets | 3.4993% | 538 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.5078% | 3,792 |
| Return on assets (ROA) | 0.3777% | 4,053 |
| Pretax return on assets | 0.4769% | 4,008 |
| Return on Equity (ROE) | 5.4800% | 3,808 |
| Retained earnings to average equity (ytd only) | 2.1418% | 3,694 |
| Net charge-offs to loans | 1.0363% | 88 |
| Credit loss provision to net charge-offs | 19.9356% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.1789% | 2,378 |
| Efficiency ratio | 80.1237% | 831 |
| Assets per employee ($millions) | 4.8650% | 3,704 |
| Cash dividends to net income (ytd only)* | 60.8995% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 873 |
| Loan loss allowance to noncurrent loans | 676.5221% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 2,373 |
| Noncurrent loans to loans | 0.2413% | 2,294 |
| Net loans and leases to total assets | 64.4000% | 2,347 |
| Net loans and leases to deposits | 75.0611% | 2,401 |
| Net loans and leases to core deposits | 79.6661% | 2,493 |
| Total domestic deposits to total assets | 85.8000% | 2,296 |
| Equity capital to assets | 7.0110% | 3,793 |
| Core capital (leverage) ratio | 9.0062% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1248% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,612,949,667 | 668 |
| Average earning assets | $1,483,483,667 | 667 |
| Average equity | $111,215,333 | 866 |
| Average total loans | $1,019,379,000 | 699 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 2,140 |
| Cost of funding earning assets | 1.1344% | 1,650 |
| Net interest margin | 3.4389% | 2,531 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 3.4850% | 549 |
| Loan and lease loss provision to assets | -0.3600% | 4,650 |
| Net operating income to assets | 0.9055% | 2,838 |
| Return on assets (ROA) | 0.8596% | 2,938 |
| Pretax return on assets | 1.0764% | 2,779 |
| Return on Equity (ROE) | 12.5700% | 2,086 |
| Retained earnings to average equity (ytd only) | 12.5703% | 1,168 |
| Net charge-offs to loans | 1.0580% | 73 |
| Credit loss provision to net charge-offs | -54.5932% | 4,574 |
| Earnings coverage of net charge-offs (x) | 1.1800% | 1,982 |
| Efficiency ratio | 80.0127% | 833 |
| Assets per employee ($millions) | 4.9316% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 852 |
| Loan loss allowance to noncurrent loans | 638.3209% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,338 |
| Noncurrent loans to loans | 0.2638% | 2,201 |
| Net loans and leases to total assets | 61.9500% | 2,468 |
| Net loans and leases to deposits | 70.4682% | 2,568 |
| Net loans and leases to core deposits | 73.7950% | 2,691 |
| Total domestic deposits to total assets | 87.9100% | 1,958 |
| Equity capital to assets | 7.0568% | 3,803 |
| Core capital (leverage) ratio | 9.0377% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4111% | 2,217 |
| Memoranda: | ||
| Average total assets | $1,623,995,000 | 675 |
| Average earning assets | $1,493,958,000 | 669 |
| Average equity | $111,055,500 | 879 |
| Average total loans | $1,008,316,000 | 716 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 1,809 |
| Cost of funding earning assets | 0.4310% | 1,856 |
| Net interest margin | 3.5354% | 1,821 |
| Noninterest income to average assets | 1.3200% | 401 |
| Noninterest expense to average assets | 3.3287% | 603 |
| Loan and lease loss provision to assets | 0.5100% | 117 |
| Net operating income to assets | 0.5833% | 3,918 |
| Return on assets (ROA) | 0.5756% | 3,898 |
| Pretax return on assets | 0.7357% | 3,782 |
| Return on Equity (ROE) | 7.7200% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.6393% | 3,197 |
| Net charge-offs to loans | 0.6904% | 101 |
| Credit loss provision to net charge-offs | 125.7373% | 1,429 |
| Earnings coverage of net charge-offs (x) | 3.0886% | 2,478 |
| Efficiency ratio | 70.9119% | 1,574 |
| Assets per employee ($millions) | 5.0577% | 3,628 |
| Cash dividends to net income (ytd only)* | 39.8839% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 322 |
| Loan loss allowance to noncurrent loans | 544.4444% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 1,941 |
| Noncurrent loans to loans | 0.3985% | 1,725 |
| Net loans and leases to total assets | 59.5500% | 2,685 |
| Net loans and leases to deposits | 68.7238% | 2,686 |
| Net loans and leases to core deposits | 71.3545% | 2,768 |
| Total domestic deposits to total assets | 86.6500% | 2,516 |
| Equity capital to assets | 7.0997% | 3,617 |
| Core capital (leverage) ratio | 8.6728% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1091% | 2,325 |
| Memoranda: | ||
| Average total assets | $1,615,928,800 | 670 |
| Average earning assets | $1,491,790,400 | 662 |
| Average equity | $120,536,600 | 812 |
| Average total loans | $952,762,000 | 716 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 1,687 |
| Cost of funding earning assets | 0.3114% | 2,046 |
| Net interest margin | 3.5081% | 1,645 |
| Noninterest income to average assets | 1.3800% | 392 |
| Noninterest expense to average assets | 3.3534% | 553 |
| Loan and lease loss provision to assets | 0.4800% | 108 |
| Net operating income to assets | 0.6179% | 3,793 |
| Return on assets (ROA) | 0.6077% | 3,768 |
| Pretax return on assets | 0.7780% | 3,637 |
| Return on Equity (ROE) | 8.0500% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.0116% | 2,754 |
| Net charge-offs to loans | 0.6224% | 104 |
| Credit loss provision to net charge-offs | 131.5118% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.4884% | 2,209 |
| Efficiency ratio | 70.8706% | 1,658 |
| Assets per employee ($millions) | 5.0723% | 3,618 |
| Cash dividends to net income (ytd only)* | 25.2966% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 366 |
| Loan loss allowance to noncurrent loans | 511.5467% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 1,941 |
| Noncurrent loans to loans | 0.4237% | 1,755 |
| Net loans and leases to total assets | 58.9600% | 2,604 |
| Net loans and leases to deposits | 67.3083% | 2,602 |
| Net loans and leases to core deposits | 69.0260% | 2,721 |
| Total domestic deposits to total assets | 87.5900% | 2,562 |
| Equity capital to assets | 6.9695% | 3,536 |
| Core capital (leverage) ratio | 8.6363% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3529% | 2,338 |
| Memoranda: | ||
| Average total assets | $1,608,974,750 | 669 |
| Average earning assets | $1,487,237,250 | 666 |
| Average equity | $121,495,500 | 813 |
| Average total loans | $940,815,250 | 724 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 1,612 |
| Cost of funding earning assets | 0.2615% | 2,123 |
| Net interest margin | 3.4107% | 1,570 |
| Noninterest income to average assets | 1.4181% | 362 |
| Noninterest expense to average assets | 3.3491% | 510 |
| Loan and lease loss provision to assets | 0.4103% | 142 |
| Net operating income to assets | 0.6421% | 3,499 |
| Return on assets (ROA) | 0.6311% | 3,484 |
| Pretax return on assets | 0.8047% | 3,314 |
| Return on Equity (ROE) | 8.1432% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.1496% | 2,651 |
| Net charge-offs to loans | 0.6169% | 103 |
| Credit loss provision to net charge-offs | 114.9615% | 1,199 |
| Earnings coverage of net charge-offs (x) | 3.4432% | 1,996 |
| Efficiency ratio | 71.4610% | 1,778 |
| Assets per employee ($millions) | 5.0201% | 3,658 |
| Cash dividends to net income (ytd only)* | 36.7618% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 429 |
| Loan loss allowance to noncurrent loans | 443.4056% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 1,892 |
| Noncurrent loans to loans | 0.4784% | 1,681 |
| Net loans and leases to total assets | 57.8123% | 2,553 |
| Net loans and leases to deposits | 65.1974% | 2,619 |
| Net loans and leases to core deposits | 66.8258% | 2,754 |
| Total domestic deposits to total assets | 88.6728% | 2,311 |
| Equity capital to assets | 7.0583% | 3,734 |
| Core capital (leverage) ratio | 8.6673% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1767% | 2,427 |
| Memoranda: | ||
| Average total assets | $1,599,176,667 | 666 |
| Average earning assets | $1,481,651,333 | 666 |
| Average equity | $123,932,000 | 806 |
| Average total loans | $925,311,000 | 720 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 1,441 |
| Cost of funding earning assets | 0.2454% | 2,211 |
| Net interest margin | 3.3774% | 1,357 |
| Noninterest income to average assets | 1.5071% | 354 |
| Noninterest expense to average assets | 3.3226% | 518 |
| Loan and lease loss provision to assets | 0.3945% | 134 |
| Net operating income to assets | 0.7254% | 2,961 |
| Return on assets (ROA) | 0.7254% | 2,951 |
| Pretax return on assets | 0.9276% | 2,670 |
| Return on Equity (ROE) | 8.9730% | 2,324 |
| Retained earnings to average equity (ytd only) | 8.9730% | 1,276 |
| Net charge-offs to loans | 0.6683% | 102 |
| Credit loss provision to net charge-offs | 103.1044% | 994 |
| Earnings coverage of net charge-offs (x) | 3.4551% | 1,666 |
| Efficiency ratio | 69.8482% | 2,255 |
| Assets per employee ($millions) | 4.9047% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2080% | 430 |
| Loan loss allowance to noncurrent loans | 463.9454% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 2,055 |
| Noncurrent loans to loans | 0.4759% | 1,833 |
| Net loans and leases to total assets | 55.5675% | 2,567 |
| Net loans and leases to deposits | 61.2754% | 2,778 |
| Net loans and leases to core deposits | 62.9331% | 2,898 |
| Total domestic deposits to total assets | 90.6849% | 1,190 |
| Equity capital to assets | 7.3340% | 4,029 |
| Core capital (leverage) ratio | 8.6505% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9380% | 2,242 |
| Memoranda: | ||
| Average total assets | $1,582,627,000 | 675 |
| Average earning assets | $1,470,237,000 | 673 |
| Average equity | $127,940,000 | 800 |
| Average total loans | $906,137,000 | 721 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 1,156 |
| Cost of funding earning assets | 0.2932% | 2,468 |
| Net interest margin | 3.8089% | 987 |
| Noninterest income to average assets | 1.7038% | 396 |
| Noninterest expense to average assets | 3.5402% | 453 |
| Loan and lease loss provision to assets | 0.2986% | 271 |
| Net operating income to assets | 1.0784% | 2,376 |
| Return on assets (ROA) | 1.0523% | 2,550 |
| Pretax return on assets | 1.3612% | 2,170 |
| Return on Equity (ROE) | 11.6118% | 1,944 |
| Retained earnings to average equity (ytd only) | 8.9117% | 1,228 |
| Net charge-offs to loans | 0.2390% | 389 |
| Credit loss provision to net charge-offs | 211.1474% | 1,279 |
| Earnings coverage of net charge-offs (x) | 11.9715% | 2,134 |
| Efficiency ratio | 66.0894% | 2,247 |
| Assets per employee ($millions) | 4.7036% | 3,966 |
| Cash dividends to net income (ytd only)* | 23.2529% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2146% | 440 |
| Loan loss allowance to noncurrent loans | 487.7894% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 1,988 |
| Noncurrent loans to loans | 0.4540% | 1,997 |
| Net loans and leases to total assets | 56.4196% | 2,552 |
| Net loans and leases to deposits | 63.1631% | 2,767 |
| Net loans and leases to core deposits | 65.0327% | 2,897 |
| Total domestic deposits to total assets | 89.3236% | 1,345 |
| Equity capital to assets | 8.8497% | 3,760 |
| Core capital (leverage) ratio | 8.5965% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8523% | 2,301 |
| Memoranda: | ||
| Average total assets | $1,516,217,800 | 678 |
| Average earning assets | $1,404,905,800 | 677 |
| Average equity | $137,403,600 | 762 |
| Average total loans | $897,174,200 | 727 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 1,121 |
| Cost of funding earning assets | 0.3044% | 2,552 |
| Net interest margin | 3.8898% | 956 |
| Noninterest income to average assets | 1.7457% | 415 |
| Noninterest expense to average assets | 3.5503% | 431 |
| Loan and lease loss provision to assets | 0.2641% | 332 |
| Net operating income to assets | 1.1762% | 2,246 |
| Return on assets (ROA) | 1.1678% | 2,349 |
| Pretax return on assets | 1.5213% | 1,935 |
| Return on Equity (ROE) | 12.8078% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.0038% | 1,063 |
| Net charge-offs to loans | 0.1865% | 451 |
| Credit loss provision to net charge-offs | 237.7494% | 1,127 |
| Earnings coverage of net charge-offs (x) | 16.1668% | 1,843 |
| Efficiency ratio | 64.8623% | 2,264 |
| Assets per employee ($millions) | 4.7615% | 3,918 |
| Cash dividends to net income (ytd only)* | 14.0850% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2181% | 445 |
| Loan loss allowance to noncurrent loans | 348.7928% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,796 |
| Noncurrent loans to loans | 0.6359% | 1,721 |
| Net loans and leases to total assets | 54.4751% | 2,913 |
| Net loans and leases to deposits | 62.2001% | 3,016 |
| Net loans and leases to core deposits | 63.9742% | 3,144 |
| Total domestic deposits to total assets | 87.5804% | 2,073 |
| Equity capital to assets | 9.0362% | 3,795 |
| Core capital (leverage) ratio | 8.6899% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2472% | 2,279 |
| Memoranda: | ||
| Average total assets | $1,503,695,500 | 690 |
| Average earning assets | $1,391,941,250 | 689 |
| Average equity | $137,101,000 | 777 |
| Average total loans | $895,538,250 | 742 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 1,242 |
| Cost of funding earning assets | 0.3180% | 2,610 |
| Net interest margin | 3.8443% | 1,077 |
| Noninterest income to average assets | 1.8084% | 388 |
| Noninterest expense to average assets | 3.6065% | 403 |
| Loan and lease loss provision to assets | 0.2675% | 353 |
| Net operating income to assets | 1.1461% | 2,384 |
| Return on assets (ROA) | 1.1332% | 2,489 |
| Pretax return on assets | 1.4727% | 2,103 |
| Return on Equity (ROE) | 12.3893% | 1,917 |
| Retained earnings to average equity (ytd only) | 9.6537% | 1,506 |
| Net charge-offs to loans | 0.2343% | 374 |
| Credit loss provision to net charge-offs | 187.4291% | 1,074 |
| Earnings coverage of net charge-offs (x) | 12.3081% | 1,728 |
| Efficiency ratio | 65.6891% | 2,199 |
| Assets per employee ($millions) | 4.7054% | 3,925 |
| Cash dividends to net income (ytd only)* | 22.0807% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 506 |
| Loan loss allowance to noncurrent loans | 479.7570% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 2,386 |
| Noncurrent loans to loans | 0.4373% | 2,361 |
| Net loans and leases to total assets | 56.7972% | 2,803 |
| Net loans and leases to deposits | 63.7741% | 3,026 |
| Net loans and leases to core deposits | 65.6742% | 3,142 |
| Total domestic deposits to total assets | 89.0600% | 1,256 |
| Equity capital to assets | 9.0058% | 3,791 |
| Core capital (leverage) ratio | 8.4675% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4962% | 2,166 |
| Memoranda: | ||
| Average total assets | $1,482,751,000 | 695 |
| Average earning assets | $1,371,015,000 | 693 |
| Average equity | $135,616,667 | 779 |
| Average total loans | $903,142,333 | 742 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 1,097 |
| Cost of funding earning assets | 0.3346% | 2,664 |
| Net interest margin | 3.9322% | 937 |
| Noninterest income to average assets | 1.9053% | 405 |
| Noninterest expense to average assets | 3.6162% | 404 |
| Loan and lease loss provision to assets | 0.3092% | 296 |
| Net operating income to assets | 1.2405% | 2,007 |
| Return on assets (ROA) | 1.2392% | 2,096 |
| Pretax return on assets | 1.6084% | 1,701 |
| Return on Equity (ROE) | 13.4416% | 1,561 |
| Retained earnings to average equity (ytd only) | 13.4416% | 828 |
| Net charge-offs to loans | 0.2906% | 289 |
| Credit loss provision to net charge-offs | 170.4374% | 946 |
| Earnings coverage of net charge-offs (x) | 10.5792% | 1,491 |
| Efficiency ratio | 63.7963% | 2,491 |
| Assets per employee ($millions) | 4.6066% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 623 |
| Loan loss allowance to noncurrent loans | 441.2238% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 2,512 |
| Noncurrent loans to loans | 0.4484% | 2,514 |
| Net loans and leases to total assets | 59.7120% | 2,575 |
| Net loans and leases to deposits | 67.0731% | 2,803 |
| Net loans and leases to core deposits | 69.1009% | 2,956 |
| Total domestic deposits to total assets | 89.0252% | 1,331 |
| Equity capital to assets | 8.9426% | 3,738 |
| Core capital (leverage) ratio | 8.6552% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0020% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,461,855,000 | 699 |
| Average earning assets | $1,349,578,000 | 697 |
| Average equity | $134,776,000 | 779 |
| Average total loans | $912,486,000 | 729 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 1,656 |
| Cost of funding earning assets | 0.5415% | 2,668 |
| Net interest margin | 3.8332% | 1,412 |
| Noninterest income to average assets | 1.8789% | 363 |
| Noninterest expense to average assets | 3.9806% | 389 |
| Loan and lease loss provision to assets | 0.7056% | 224 |
| Net operating income to assets | 0.5393% | 3,939 |
| Return on assets (ROA) | 0.6943% | 3,585 |
| Pretax return on assets | 0.9075% | 3,344 |
| Return on Equity (ROE) | 6.9448% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,364 |
| Net charge-offs to loans | 0.3544% | 489 |
| Credit loss provision to net charge-offs | 303.5232% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.0955% | 2,811 |
| Efficiency ratio | 71.9908% | 1,685 |
| Assets per employee ($millions) | 4.3090% | 4,107 |
| Cash dividends to net income (ytd only)* | 30.6725% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 665 |
| Loan loss allowance to noncurrent loans | 462.6607% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 2,698 |
| Noncurrent loans to loans | 0.4187% | 2,722 |
| Net loans and leases to total assets | 62.7666% | 2,512 |
| Net loans and leases to deposits | 70.8659% | 2,786 |
| Net loans and leases to core deposits | 73.1692% | 2,980 |
| Total domestic deposits to total assets | 88.5710% | 1,181 |
| Equity capital to assets | 9.5119% | 3,596 |
| Core capital (leverage) ratio | 8.7358% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6400% | 2,386 |
| Memoranda: | ||
| Average total assets | $1,306,425,800 | 701 |
| Average earning assets | $1,199,220,400 | 700 |
| Average equity | $130,601,800 | 763 |
| Average total loans | $856,917,200 | 747 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 1,651 |
| Cost of funding earning assets | 0.5889% | 2,680 |
| Net interest margin | 3.8806% | 1,402 |
| Noninterest income to average assets | 1.7094% | 398 |
| Noninterest expense to average assets | 3.9808% | 383 |
| Loan and lease loss provision to assets | 0.8298% | 210 |
| Net operating income to assets | 0.3565% | 4,346 |
| Return on assets (ROA) | 0.4503% | 4,236 |
| Pretax return on assets | 0.5787% | 4,140 |
| Return on Equity (ROE) | 4.4447% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.4888% | 3,309 |
| Net charge-offs to loans | 0.3662% | 430 |
| Credit loss provision to net charge-offs | 343.1593% | 1,631 |
| Earnings coverage of net charge-offs (x) | 5.3336% | 2,737 |
| Efficiency ratio | 73.6876% | 1,439 |
| Assets per employee ($millions) | 4.1695% | 4,170 |
| Cash dividends to net income (ytd only)* | 21.5064% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 573 |
| Loan loss allowance to noncurrent loans | 361.3579% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 1,714 |
| Noncurrent loans to loans | 0.5285% | 2,480 |
| Net loans and leases to total assets | 65.1542% | 2,622 |
| Net loans and leases to deposits | 74.1015% | 2,944 |
| Net loans and leases to core deposits | 76.7193% | 3,114 |
| Total domestic deposits to total assets | 87.9255% | 1,246 |
| Equity capital to assets | 9.8980% | 3,334 |
| Core capital (leverage) ratio | 8.8923% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3406% | 2,055 |
| Memoranda: | ||
| Average total assets | $1,277,539,000 | 697 |
| Average earning assets | $1,172,356,500 | 705 |
| Average equity | $129,438,000 | 758 |
| Average total loans | $843,607,500 | 748 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,545 |
| Cost of funding earning assets | 0.6549% | 2,665 |
| Net interest margin | 3.9912% | 1,346 |
| Noninterest income to average assets | 1.3596% | 558 |
| Noninterest expense to average assets | 3.9515% | 431 |
| Loan and lease loss provision to assets | 1.0245% | 196 |
| Net operating income to assets | 0.0317% | 4,749 |
| Return on assets (ROA) | 0.1805% | 4,640 |
| Pretax return on assets | 0.2203% | 4,615 |
| Return on Equity (ROE) | 1.7667% | 4,571 |
| Retained earnings to average equity (ytd only) | 0.3184% | 4,242 |
| Net charge-offs to loans | 0.4916% | 327 |
| Credit loss provision to net charge-offs | 316.2402% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.2825% | 2,691 |
| Efficiency ratio | 76.8240% | 1,182 |
| Assets per employee ($millions) | 4.0830% | 4,221 |
| Cash dividends to net income (ytd only)* | 81.9788% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 680 |
| Loan loss allowance to noncurrent loans | 301.0068% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 1,696 |
| Noncurrent loans to loans | 0.5931% | 2,380 |
| Net loans and leases to total assets | 65.8869% | 2,645 |
| Net loans and leases to deposits | 74.8602% | 2,984 |
| Net loans and leases to core deposits | 77.5512% | 3,149 |
| Total domestic deposits to total assets | 88.0133% | 1,173 |
| Equity capital to assets | 9.8270% | 3,343 |
| Core capital (leverage) ratio | 8.8831% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1368% | 2,124 |
| Memoranda: | ||
| Average total assets | $1,254,464,333 | 695 |
| Average earning assets | $1,148,883,000 | 706 |
| Average equity | $128,149,667 | 763 |
| Average total loans | $826,624,333 | 754 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,785 |
| Cost of funding earning assets | 0.7241% | 2,812 |
| Net interest margin | 3.9538% | 1,520 |
| Noninterest income to average assets | 0.9824% | 892 |
| Noninterest expense to average assets | 3.9504% | 533 |
| Loan and lease loss provision to assets | 0.4534% | 664 |
| Net operating income to assets | 0.1436% | 4,605 |
| Return on assets (ROA) | 0.4383% | 4,094 |
| Pretax return on assets | 0.5655% | 3,992 |
| Return on Equity (ROE) | 4.2036% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.2036% | 2,603 |
| Net charge-offs to loans | 0.6863% | 222 |
| Credit loss provision to net charge-offs | 101.2445% | 1,804 |
| Earnings coverage of net charge-offs (x) | 1.4422% | 2,387 |
| Efficiency ratio | 83.7387% | 844 |
| Assets per employee ($millions) | 3.7587% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,530 |
| Loan loss allowance to noncurrent loans | 156.0484% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 1,941 |
| Noncurrent loans to loans | 0.9282% | 1,769 |
| Net loans and leases to total assets | 64.6674% | 2,985 |
| Net loans and leases to deposits | 74.4221% | 3,228 |
| Net loans and leases to core deposits | 78.0583% | 3,351 |
| Total domestic deposits to total assets | 86.8927% | 1,602 |
| Equity capital to assets | 10.7584% | 3,091 |
| Core capital (leverage) ratio | 9.6673% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1553% | 2,217 |
| Memoranda: | ||
| Average total assets | $1,220,244,500 | 681 |
| Average earning assets | $1,115,281,500 | 688 |
| Average equity | $127,223,500 | 761 |
| Average total loans | $796,203,500 | 754 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 935 |
| Cost of funding earning assets | 0.7837% | 2,753 |
| Net interest margin | 4.4431% | 817 |
| Noninterest income to average assets | 1.4472% | 446 |
| Noninterest expense to average assets | 4.0366% | 512 |
| Loan and lease loss provision to assets | 0.7202% | 154 |
| Net operating income to assets | 0.5941% | 4,176 |
| Return on assets (ROA) | 0.6010% | 4,217 |
| Pretax return on assets | 0.7931% | 3,984 |
| Return on Equity (ROE) | 5.4544% | 4,082 |
| Retained earnings to average equity (ytd only) | 2.3678% | 3,838 |
| Net charge-offs to loans | 0.8815% | 183 |
| Credit loss provision to net charge-offs | 111.1649% | 2,248 |
| Earnings coverage of net charge-offs (x) | 2.3222% | 3,429 |
| Efficiency ratio | 71.2987% | 1,976 |
| Assets per employee ($millions) | 3.8682% | 4,069 |
| Cash dividends to net income (ytd only)* | 56.5884% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,421 |
| Loan loss allowance to noncurrent loans | 163.7026% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 1,975 |
| Noncurrent loans to loans | 0.8736% | 1,753 |
| Net loans and leases to total assets | 63.9613% | 3,203 |
| Net loans and leases to deposits | 72.3944% | 3,488 |
| Net loans and leases to core deposits | 76.0458% | 3,573 |
| Total domestic deposits to total assets | 88.3512% | 962 |
| Equity capital to assets | 10.1011% | 3,832 |
| Core capital (leverage) ratio | 9.4254% | 4,136 |
| Tier 1 risk-based capital ratio | 12.5479% | 4,045 |
| Total risk-based capital ratio | 13.7984% | 3,927 |
| Memoranda: | ||
| Average total assets | $1,020,258,000 | 767 |
| Average earning assets | $940,082,400 | 762 |
| Average equity | $112,423,200 | 811 |
| Average total loans | $749,877,600 | 762 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 895 |
| Cost of funding earning assets | 0.7735% | 2,852 |
| Net interest margin | 4.5103% | 752 |
| Noninterest income to average assets | 1.3466% | 517 |
| Noninterest expense to average assets | 4.0454% | 502 |
| Loan and lease loss provision to assets | 0.6557% | 164 |
| Net operating income to assets | 0.6215% | 4,238 |
| Return on assets (ROA) | 0.6313% | 4,259 |
| Pretax return on assets | 0.8233% | 4,065 |
| Return on Equity (ROE) | 5.5810% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.6122% | 3,595 |
| Net charge-offs to loans | 0.6788% | 234 |
| Credit loss provision to net charge-offs | 126.6986% | 1,864 |
| Earnings coverage of net charge-offs (x) | 2.8337% | 3,161 |
| Efficiency ratio | 71.9690% | 1,839 |
| Assets per employee ($millions) | 3.7853% | 4,180 |
| Cash dividends to net income (ytd only)* | 35.2774% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,566 |
| Loan loss allowance to noncurrent loans | 152.0836% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 1,921 |
| Noncurrent loans to loans | 0.9219% | 1,737 |
| Net loans and leases to total assets | 67.8012% | 2,814 |
| Net loans and leases to deposits | 76.8541% | 3,213 |
| Net loans and leases to core deposits | 80.8889% | 3,319 |
| Total domestic deposits to total assets | 88.2206% | 945 |
| Equity capital to assets | 10.2944% | 3,736 |
| Core capital (leverage) ratio | 10.8115% | 2,824 |
| Tier 1 risk-based capital ratio | 12.1202% | 4,354 |
| Total risk-based capital ratio | 13.3707% | 4,248 |
| Memoranda: | ||
| Average total assets | $966,836,500 | 807 |
| Average earning assets | $892,903,500 | 806 |
| Average equity | $109,368,500 | 831 |
| Average total loans | $737,172,500 | 774 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 595 |
| Cost of funding earning assets | 0.7376% | 2,960 |
| Net interest margin | 4.7334% | 462 |
| Noninterest income to average assets | 1.2725% | 534 |
| Noninterest expense to average assets | 4.1111% | 464 |
| Loan and lease loss provision to assets | 0.6836% | 156 |
| Net operating income to assets | 0.6612% | 4,126 |
| Return on assets (ROA) | 0.6612% | 4,181 |
| Pretax return on assets | 0.8646% | 3,944 |
| Return on Equity (ROE) | 5.6142% | 4,173 |
| Retained earnings to average equity (ytd only) | 2.5123% | 3,939 |
| Net charge-offs to loans | 0.7859% | 182 |
| Credit loss provision to net charge-offs | 109.1763% | 1,852 |
| Earnings coverage of net charge-offs (x) | 2.4725% | 2,939 |
| Efficiency ratio | 71.3835% | 2,005 |
| Assets per employee ($millions) | 3.5479% | 4,440 |
| Cash dividends to net income (ytd only)* | 55.2515% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,170 |
| Loan loss allowance to noncurrent loans | 267.4878% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 2,622 |
| Noncurrent loans to loans | 0.5745% | 2,536 |
| Net loans and leases to total assets | 78.5997% | 1,105 |
| Net loans and leases to deposits | 91.0149% | 1,626 |
| Net loans and leases to core deposits | 95.1568% | 2,141 |
| Total domestic deposits to total assets | 86.3592% | 1,866 |
| Equity capital to assets | 11.7500% | 2,384 |
| Core capital (leverage) ratio | 11.4392% | 2,220 |
| Tier 1 risk-based capital ratio | 13.0890% | 3,795 |
| Total risk-based capital ratio | 14.3417% | 3,700 |
| Memoranda: | ||
| Average total assets | $884,084,670 | 887 |
| Average earning assets | $819,373,330 | 880 |
| Average equity | $104,129,000 | 861 |
| Average total loans | $704,376,000 | 810 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 603 |
| Cost of funding earning assets | 0.7004% | 3,055 |
| Net interest margin | 4.7196% | 474 |
| Noninterest income to average assets | 1.2317% | 539 |
| Noninterest expense to average assets | 4.0342% | 517 |
| Loan and lease loss provision to assets | 0.7512% | 136 |
| Net operating income to assets | 0.6366% | 4,132 |
| Return on assets (ROA) | 0.6366% | 4,172 |
| Pretax return on assets | 0.8154% | 4,005 |
| Return on Equity (ROE) | 5.3981% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.3981% | 2,738 |
| Net charge-offs to loans | 0.7815% | 189 |
| Credit loss provision to net charge-offs | 120.7754% | 1,409 |
| Earnings coverage of net charge-offs (x) | 2.5187% | 2,487 |
| Efficiency ratio | 70.5338% | 2,259 |
| Assets per employee ($millions) | 3.5450% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 1,123 |
| Loan loss allowance to noncurrent loans | 327.1943% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,876 |
| Noncurrent loans to loans | 0.4805% | 2,869 |
| Net loans and leases to total assets | 77.6925% | 1,207 |
| Net loans and leases to deposits | 90.4477% | 1,573 |
| Net loans and leases to core deposits | 94.2558% | 2,099 |
| Total domestic deposits to total assets | 85.8977% | 2,323 |
| Equity capital to assets | 11.8147% | 2,145 |
| Core capital (leverage) ratio | 11.4938% | 2,140 |
| Tier 1 risk-based capital ratio | 13.3478% | 3,693 |
| Total risk-based capital ratio | 14.6010% | 3,599 |
| Memoranda: | ||
| Average total assets | $879,093,500 | 895 |
| Average earning assets | $813,789,500 | 886 |
| Average equity | $103,667,000 | 860 |
| Average total loans | $699,713,500 | 814 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 546 |
| Cost of funding earning assets | 0.5954% | 2,756 |
| Net interest margin | 4.7381% | 455 |
| Noninterest income to average assets | 1.3998% | 464 |
| Noninterest expense to average assets | 4.0537% | 495 |
| Loan and lease loss provision to assets | 0.5850% | 191 |
| Net operating income to assets | 0.9134% | 3,394 |
| Return on assets (ROA) | 0.8940% | 3,451 |
| Pretax return on assets | 1.1401% | 3,133 |
| Return on Equity (ROE) | 7.8093% | 3,517 |
| Retained earnings to average equity (ytd only) | 4.5278% | 3,037 |
| Net charge-offs to loans | 0.6204% | 274 |
| Credit loss provision to net charge-offs | 114.6324% | 2,266 |
| Earnings coverage of net charge-offs (x) | 3.4287% | 3,412 |
| Efficiency ratio | 69.3090% | 2,325 |
| Assets per employee ($millions) | 3.4739% | 4,576 |
| Cash dividends to net income (ytd only)* | 42.0209% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 1,052 |
| Loan loss allowance to noncurrent loans | 577.2421% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 3,498 |
| Noncurrent loans to loans | 0.2755% | 3,586 |
| Net loans and leases to total assets | 79.0386% | 1,089 |
| Net loans and leases to deposits | 91.7796% | 1,575 |
| Net loans and leases to core deposits | 96.7820% | 1,984 |
| Total domestic deposits to total assets | 86.1179% | 2,171 |
| Equity capital to assets | 11.7699% | 2,053 |
| Core capital (leverage) ratio | 11.4789% | 2,122 |
| Tier 1 risk-based capital ratio | 13.0718% | 3,804 |
| Total risk-based capital ratio | 14.3249% | 3,690 |
| Memoranda: | ||
| Average total assets | $823,635,000 | 930 |
| Average earning assets | $765,504,000 | 921 |
| Average equity | $94,284,800 | 897 |
| Average total loans | $677,518,800 | 814 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 544 |
| Cost of funding earning assets | 0.5822% | 2,613 |
| Net interest margin | 4.6932% | 481 |
| Noninterest income to average assets | 1.4107% | 480 |
| Noninterest expense to average assets | 4.1496% | 422 |
| Loan and lease loss provision to assets | 0.5911% | 174 |
| Net operating income to assets | 0.7959% | 3,919 |
| Return on assets (ROA) | 0.7695% | 4,024 |
| Pretax return on assets | 1.0112% | 3,685 |
| Return on Equity (ROE) | 6.7736% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.6333% | 3,434 |
| Net charge-offs to loans | 0.6124% | 238 |
| Credit loss provision to net charge-offs | 116.5911% | 2,033 |
| Earnings coverage of net charge-offs (x) | 3.2262% | 3,183 |
| Efficiency ratio | 71.2756% | 2,001 |
| Assets per employee ($millions) | 3.4345% | 4,646 |
| Cash dividends to net income (ytd only)* | 31.5968% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,163 |
| Loan loss allowance to noncurrent loans | 1,001.0889% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,047 |
| Noncurrent loans to loans | 0.1562% | 4,175 |
| Net loans and leases to total assets | 81.2116% | 844 |
| Net loans and leases to deposits | 94.5426% | 1,317 |
| Net loans and leases to core deposits | 100.1368% | 1,785 |
| Total domestic deposits to total assets | 85.8995% | 2,241 |
| Equity capital to assets | 11.8291% | 2,019 |
| Core capital (leverage) ratio | 11.8398% | 1,889 |
| Tier 1 risk-based capital ratio | 12.7645% | 4,043 |
| Total risk-based capital ratio | 14.0172% | 3,944 |
| Memoranda: | ||
| Average total assets | $811,558,250 | 942 |
| Average earning assets | $756,455,000 | 929 |
| Average equity | $92,199,250 | 910 |
| Average total loans | $671,822,000 | 821 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 522 |
| Cost of funding earning assets | 0.5622% | 2,499 |
| Net interest margin | 4.6768% | 466 |
| Noninterest income to average assets | 1.4128% | 471 |
| Noninterest expense to average assets | 4.1226% | 462 |
| Loan and lease loss provision to assets | 0.6228% | 159 |
| Net operating income to assets | 0.7879% | 3,893 |
| Return on assets (ROA) | 0.7879% | 3,894 |
| Pretax return on assets | 1.0344% | 3,554 |
| Return on Equity (ROE) | 7.0394% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,740 |
| Net charge-offs to loans | 0.6188% | 235 |
| Credit loss provision to net charge-offs | 121.4286% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.2309% | 2,895 |
| Efficiency ratio | 70.9851% | 2,165 |
| Assets per employee ($millions) | 3.4265% | 4,691 |
| Cash dividends to net income (ytd only)* | 47.1338% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 1,025 |
| Loan loss allowance to noncurrent loans | 6,088.4393% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,920 |
| Noncurrent loans to loans | 0.0268% | 4,803 |
| Net loans and leases to total assets | 80.5654% | 936 |
| Net loans and leases to deposits | 93.1217% | 1,455 |
| Net loans and leases to core deposits | 100.3912% | 1,704 |
| Total domestic deposits to total assets | 86.5163% | 2,047 |
| Equity capital to assets | 11.3772% | 2,288 |
| Core capital (leverage) ratio | 11.3710% | 2,185 |
| Tier 1 risk-based capital ratio | 12.6735% | 4,079 |
| Total risk-based capital ratio | 13.9269% | 3,978 |
| Memoranda: | ||
| Average total assets | $797,015,330 | 953 |
| Average earning assets | $744,224,670 | 947 |
| Average equity | $89,212,000 | 937 |
| Average total loans | $660,581,670 | 834 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 514 |
| Cost of funding earning assets | 0.5544% | 2,364 |
| Net interest margin | 4.6220% | 478 |
| Noninterest income to average assets | 1.3340% | 527 |
| Noninterest expense to average assets | 4.1284% | 449 |
| Loan and lease loss provision to assets | 0.6233% | 162 |
| Net operating income to assets | 0.6927% | 4,124 |
| Return on assets (ROA) | 0.6927% | 4,135 |
| Pretax return on assets | 0.8968% | 3,864 |
| Return on Equity (ROE) | 6.2391% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.2391% | 2,610 |
| Net charge-offs to loans | 0.7040% | 211 |
| Credit loss provision to net charge-offs | 106.2075% | 1,487 |
| Earnings coverage of net charge-offs (x) | 2.5901% | 2,448 |
| Efficiency ratio | 72.7425% | 2,082 |
| Assets per employee ($millions) | 3.4628% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,351 |
| Loan loss allowance to noncurrent loans | 712.0448% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,163 |
| Noncurrent loans to loans | 0.2148% | 4,010 |
| Net loans and leases to total assets | 81.1509% | 770 |
| Net loans and leases to deposits | 93.4395% | 1,286 |
| Net loans and leases to core deposits | 101.3881% | 1,578 |
| Total domestic deposits to total assets | 86.8485% | 2,184 |
| Equity capital to assets | 11.0921% | 2,491 |
| Core capital (leverage) ratio | 11.2129% | 2,236 |
| Tier 1 risk-based capital ratio | 12.0462% | 4,524 |
| Total risk-based capital ratio | 13.2982% | 4,409 |
| Memoranda: | ||
| Average total assets | $801,480,500 | 962 |
| Average earning assets | $748,164,000 | 947 |
| Average equity | $88,987,000 | 943 |
| Average total loans | $668,144,000 | 823 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 467 |
| Cost of funding earning assets | 0.5030% | 2,308 |
| Net interest margin | 4.6729% | 442 |
| Noninterest income to average assets | 1.4486% | 504 |
| Noninterest expense to average assets | 4.0776% | 480 |
| Loan and lease loss provision to assets | 0.8395% | 137 |
| Net operating income to assets | 0.5657% | 4,164 |
| Return on assets (ROA) | 0.5529% | 4,245 |
| Pretax return on assets | 0.8732% | 4,002 |
| Return on Equity (ROE) | 4.9047% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.5522% | 4,376 |
| Net charge-offs to loans | 0.7924% | 255 |
| Credit loss provision to net charge-offs | 129.3388% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.6694% | 3,721 |
| Efficiency ratio | 69.8343% | 2,590 |
| Assets per employee ($millions) | 3.4168% | 4,803 |
| Cash dividends to net income (ytd only)* | 68.3530% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,919.2015% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 4,750 |
| Noncurrent loans to loans | 0.0783% | 4,644 |
| Net loans and leases to total assets | 83.0612% | 551 |
| Net loans and leases to deposits | 95.4448% | 1,133 |
| Net loans and leases to core deposits | 104.5498% | 1,374 |
| Total domestic deposits to total assets | 87.0254% | 1,983 |
| Equity capital to assets | 11.1137% | 2,525 |
| Core capital (leverage) ratio | 10.9196% | 2,409 |
| Tier 1 risk-based capital ratio | 11.8297% | 4,639 |
| Total risk-based capital ratio | 13.0816% | 4,525 |
| Memoranda: | ||
| Average total assets | $782,963,200 | 950 |
| Average earning assets | $730,806,400 | 938 |
| Average equity | $88,262,200 | 920 |
| Average total loans | $641,330,400 | 818 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 481 |
| Cost of funding earning assets | 0.4766% | 2,461 |
| Net interest margin | 4.6468% | 449 |
| Noninterest income to average assets | 1.4289% | 528 |
| Noninterest expense to average assets | 4.1457% | 432 |
| Loan and lease loss provision to assets | 0.8738% | 123 |
| Net operating income to assets | 0.5122% | 4,699 |
| Return on assets (ROA) | 0.5122% | 4,730 |
| Pretax return on assets | 0.7492% | 4,489 |
| Return on Equity (ROE) | 4.5271% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.2900% | 4,497 |
| Net charge-offs to loans | 0.8004% | 230 |
| Credit loss provision to net charge-offs | 134.2970% | 1,832 |
| Earnings coverage of net charge-offs (x) | 2.4943% | 3,459 |
| Efficiency ratio | 71.5154% | 2,277 |
| Assets per employee ($millions) | 3.4690% | 4,771 |
| Cash dividends to net income (ytd only)* | 49.4156% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 1,605 |
| Loan loss allowance to noncurrent loans | 1,531.5301% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,835 |
| Noncurrent loans to loans | 0.0967% | 4,680 |
| Net loans and leases to total assets | 81.9180% | 707 |
| Net loans and leases to deposits | 98.1928% | 895 |
| Net loans and leases to core deposits | 105.5800% | 1,302 |
| Total domestic deposits to total assets | 83.4258% | 3,316 |
| Equity capital to assets | 11.0729% | 2,792 |
| Core capital (leverage) ratio | 11.0923% | 2,378 |
| Tier 1 risk-based capital ratio | 11.9726% | 4,643 |
| Total risk-based capital ratio | 13.2242% | 4,518 |
| Memoranda: | ||
| Average total assets | $779,673,250 | 960 |
| Average earning assets | $728,167,000 | 947 |
| Average equity | $88,208,000 | 923 |
| Average total loans | $633,822,000 | 831 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 484 |
| Cost of funding earning assets | 0.4567% | 2,537 |
| Net interest margin | 4.6332% | 450 |
| Noninterest income to average assets | 1.4290% | 528 |
| Noninterest expense to average assets | 4.1820% | 422 |
| Loan and lease loss provision to assets | 0.7994% | 129 |
| Net operating income to assets | 0.5225% | 4,641 |
| Return on assets (ROA) | 0.5225% | 4,675 |
| Pretax return on assets | 0.7719% | 4,364 |
| Return on Equity (ROE) | 4.5844% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.2172% | 4,757 |
| Net charge-offs to loans | 0.8360% | 235 |
| Credit loss provision to net charge-offs | 118.5769% | 1,794 |
| Earnings coverage of net charge-offs (x) | 2.3308% | 3,170 |
| Efficiency ratio | 72.3319% | 2,286 |
| Assets per employee ($millions) | 3.4818% | 4,744 |
| Cash dividends to net income (ytd only)* | 73.4491% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,930 |
| Loan loss allowance to noncurrent loans | 1,622.6786% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 4,910 |
| Noncurrent loans to loans | 0.0866% | 4,783 |
| Net loans and leases to total assets | 81.3381% | 766 |
| Net loans and leases to deposits | 97.1518% | 975 |
| Net loans and leases to core deposits | 103.8444% | 1,361 |
| Total domestic deposits to total assets | 83.7227% | 3,313 |
| Equity capital to assets | 11.2556% | 2,538 |
| Core capital (leverage) ratio | 11.3371% | 2,096 |
| Tier 1 risk-based capital ratio | 12.2551% | 4,457 |
| Total risk-based capital ratio | 13.5059% | 4,343 |
| Memoranda: | ||
| Average total assets | $771,298,670 | 973 |
| Average earning assets | $719,897,670 | 961 |
| Average equity | $87,906,000 | 927 |
| Average total loans | $622,035,000 | 845 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 469 |
| Cost of funding earning assets | 0.4456% | 2,563 |
| Net interest margin | 4.6206% | 430 |
| Noninterest income to average assets | 1.3726% | 559 |
| Noninterest expense to average assets | 4.1430% | 458 |
| Loan and lease loss provision to assets | 0.8525% | 114 |
| Net operating income to assets | 0.4589% | 4,743 |
| Return on assets (ROA) | 0.4589% | 4,765 |
| Pretax return on assets | 0.6811% | 4,502 |
| Return on Equity (ROE) | 4.0013% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.0013% | 3,448 |
| Net charge-offs to loans | 1.0008% | 168 |
| Credit loss provision to net charge-offs | 106.8807% | 1,504 |
| Earnings coverage of net charge-offs (x) | 1.9227% | 2,663 |
| Efficiency ratio | 72.6243% | 2,468 |
| Assets per employee ($millions) | 3.3730% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,950 |
| Loan loss allowance to noncurrent loans | 1,766.5314% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,022 |
| Noncurrent loans to loans | 0.0809% | 4,871 |
| Net loans and leases to total assets | 78.0964% | 1,126 |
| Net loans and leases to deposits | 90.3754% | 1,494 |
| Net loans and leases to core deposits | 97.0851% | 1,743 |
| Total domestic deposits to total assets | 86.4133% | 2,488 |
| Equity capital to assets | 11.4849% | 2,191 |
| Core capital (leverage) ratio | 11.4735% | 1,971 |
| Tier 1 risk-based capital ratio | 12.8729% | 4,157 |
| Total risk-based capital ratio | 14.1237% | 4,058 |
| Memoranda: | ||
| Average total assets | $765,246,000 | 979 |
| Average earning assets | $712,814,000 | 971 |
| Average equity | $87,770,500 | 928 |
| Average total loans | $609,906,000 | 862 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 574 |
| Cost of funding earning assets | 0.4295% | 2,708 |
| Net interest margin | 4.5862% | 522 |
| Noninterest income to average assets | 1.5502% | 503 |
| Noninterest expense to average assets | 4.1474% | 506 |
| Loan and lease loss provision to assets | 0.5503% | 241 |
| Net operating income to assets | 0.7578% | 3,500 |
| Return on assets (ROA) | 0.7855% | 3,477 |
| Pretax return on assets | 1.1648% | 2,832 |
| Return on Equity (ROE) | 6.7677% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.3346% | 3,547 |
| Net charge-offs to loans | 0.4580% | 555 |
| Credit loss provision to net charge-offs | 153.2633% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.6613% | 3,468 |
| Efficiency ratio | 70.8859% | 2,765 |
| Assets per employee ($millions) | 3.3251% | 5,011 |
| Cash dividends to net income (ytd only)* | 50.7286% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,037 |
| Loan loss allowance to noncurrent loans | 1,987.0670% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,107 |
| Noncurrent loans to loans | 0.0709% | 4,956 |
| Net loans and leases to total assets | 79.0472% | 1,038 |
| Net loans and leases to deposits | 92.2666% | 1,410 |
| Net loans and leases to core deposits | 99.2802% | 1,686 |
| Total domestic deposits to total assets | 85.6726% | 2,745 |
| Equity capital to assets | 11.4541% | 2,207 |
| Core capital (leverage) ratio | 11.3582% | 2,033 |
| Tier 1 risk-based capital ratio | 12.8158% | 4,194 |
| Total risk-based capital ratio | 14.0664% | 4,087 |
| Memoranda: | ||
| Average total assets | $742,540,800 | 972 |
| Average earning assets | $691,467,000 | 965 |
| Average equity | $86,188,400 | 922 |
| Average total loans | $582,134,200 | 855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 673 |
| Cost of funding earning assets | 0.4225% | 2,814 |
| Net interest margin | 4.5181% | 602 |
| Noninterest income to average assets | 1.5140% | 533 |
| Noninterest expense to average assets | 4.2378% | 471 |
| Loan and lease loss provision to assets | 0.4704% | 276 |
| Net operating income to assets | 0.6938% | 3,882 |
| Return on assets (ROA) | 0.7317% | 3,821 |
| Pretax return on assets | 1.0720% | 3,345 |
| Return on Equity (ROE) | 6.2824% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.9860% | 3,470 |
| Net charge-offs to loans | 0.3629% | 618 |
| Credit loss provision to net charge-offs | 166.3259% | 1,666 |
| Earnings coverage of net charge-offs (x) | 5.2569% | 3,156 |
| Efficiency ratio | 73.6568% | 2,350 |
| Assets per employee ($millions) | 3.3485% | 4,983 |
| Cash dividends to net income (ytd only)* | 36.5522% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,445 |
| Loan loss allowance to noncurrent loans | 2,806.1433% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 5,135 |
| Noncurrent loans to loans | 0.0480% | 5,168 |
| Net loans and leases to total assets | 79.5285% | 960 |
| Net loans and leases to deposits | 96.8164% | 970 |
| Net loans and leases to core deposits | 104.2503% | 1,322 |
| Total domestic deposits to total assets | 82.1436% | 3,904 |
| Equity capital to assets | 11.5015% | 2,514 |
| Core capital (leverage) ratio | 11.3772% | 2,127 |
| Tier 1 risk-based capital ratio | 12.6431% | 4,376 |
| Total risk-based capital ratio | 13.8931% | 4,288 |
| Memoranda: | ||
| Average total assets | $737,811,250 | 979 |
| Average earning assets | $687,584,750 | 969 |
| Average equity | $85,931,000 | 930 |
| Average total loans | $575,038,750 | 861 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 776 |
| Cost of funding earning assets | 0.4163% | 2,875 |
| Net interest margin | 4.4518% | 685 |
| Noninterest income to average assets | 1.4701% | 544 |
| Noninterest expense to average assets | 4.1903% | 498 |
| Loan and lease loss provision to assets | 0.4211% | 349 |
| Net operating income to assets | 0.6946% | 3,814 |
| Return on assets (ROA) | 0.7527% | 3,690 |
| Pretax return on assets | 1.0920% | 3,232 |
| Return on Equity (ROE) | 6.4351% | 3,833 |
| Retained earnings to average equity (ytd only) | 2.9756% | 4,020 |
| Net charge-offs to loans | 0.3621% | 643 |
| Credit loss provision to net charge-offs | 150.9804% | 1,576 |
| Earnings coverage of net charge-offs (x) | 5.1235% | 2,893 |
| Efficiency ratio | 74.1874% | 2,329 |
| Assets per employee ($millions) | 3.2306% | 5,161 |
| Cash dividends to net income (ytd only)* | 53.7595% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,672 |
| Loan loss allowance to noncurrent loans | 433.5397% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 4,150 |
| Noncurrent loans to loans | 0.3046% | 4,277 |
| Net loans and leases to total assets | 78.4898% | 1,138 |
| Net loans and leases to deposits | 93.4550% | 1,347 |
| Net loans and leases to core deposits | 101.5734% | 1,505 |
| Total domestic deposits to total assets | 83.9867% | 3,272 |
| Equity capital to assets | 11.7293% | 2,328 |
| Core capital (leverage) ratio | 11.3905% | 2,066 |
| Tier 1 risk-based capital ratio | 13.0517% | 4,172 |
| Total risk-based capital ratio | 14.2712% | 4,101 |
| Memoranda: | ||
| Average total assets | $731,497,000 | 988 |
| Average earning assets | $681,746,330 | 977 |
| Average equity | $85,562,000 | 926 |
| Average total loans | $563,366,000 | 877 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 861 |
| Cost of funding earning assets | 0.4123% | 2,929 |
| Net interest margin | 4.3814% | 772 |
| Noninterest income to average assets | 1.4027% | 567 |
| Noninterest expense to average assets | 4.1146% | 541 |
| Loan and lease loss provision to assets | 0.3187% | 481 |
| Net operating income to assets | 0.7161% | 3,631 |
| Return on assets (ROA) | 0.7161% | 3,750 |
| Pretax return on assets | 1.0485% | 3,283 |
| Return on Equity (ROE) | 6.1311% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.1311% | 2,313 |
| Net charge-offs to loans | 0.4915% | 451 |
| Credit loss provision to net charge-offs | 85.5882% | 1,802 |
| Earnings coverage of net charge-offs (x) | 3.6721% | 2,512 |
| Efficiency ratio | 74.6704% | 2,378 |
| Assets per employee ($millions) | 3.3178% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 3,033 |
| Loan loss allowance to noncurrent loans | 370.4130% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 4,104 |
| Noncurrent loans to loans | 0.3440% | 4,204 |
| Net loans and leases to total assets | 74.8804% | 1,574 |
| Net loans and leases to deposits | 87.6538% | 1,868 |
| Net loans and leases to core deposits | 95.3253% | 1,859 |
| Total domestic deposits to total assets | 85.4274% | 2,942 |
| Equity capital to assets | 11.7393% | 2,210 |
| Core capital (leverage) ratio | 11.4229% | 2,029 |
| Tier 1 risk-based capital ratio | 13.5531% | 3,950 |
| Total risk-based capital ratio | 14.7179% | 3,924 |
| Memoranda: | ||
| Average total assets | $730,577,500 | 991 |
| Average earning assets | $680,152,000 | 977 |
| Average equity | $85,335,500 | 931 |
| Average total loans | $553,400,000 | 890 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,121 |
| Cost of funding earning assets | 0.4241% | 2,903 |
| Net interest margin | 4.2723% | 1,019 |
| Noninterest income to average assets | 1.3702% | 643 |
| Noninterest expense to average assets | 3.9613% | 708 |
| Loan and lease loss provision to assets | 0.2639% | 703 |
| Net operating income to assets | 0.7731% | 3,451 |
| Return on assets (ROA) | 0.8024% | 3,412 |
| Pretax return on assets | 1.1711% | 2,766 |
| Return on Equity (ROE) | 6.9352% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.4013% | 3,631 |
| Net charge-offs to loans | 0.3094% | 977 |
| Credit loss provision to net charge-offs | 119.8243% | 2,152 |
| Earnings coverage of net charge-offs (x) | 6.3225% | 3,244 |
| Efficiency ratio | 73.5844% | 2,643 |
| Assets per employee ($millions) | 3.3545% | 5,059 |
| Cash dividends to net income (ytd only)* | 50.9557% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,870 |
| Loan loss allowance to noncurrent loans | 2,443.5374% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 4,950 |
| Noncurrent loans to loans | 0.0534% | 5,300 |
| Net loans and leases to total assets | 74.6622% | 1,619 |
| Net loans and leases to deposits | 87.7096% | 1,918 |
| Net loans and leases to core deposits | 94.6241% | 1,984 |
| Total domestic deposits to total assets | 85.1243% | 3,030 |
| Equity capital to assets | 11.6214% | 2,260 |
| Core capital (leverage) ratio | 11.4941% | 1,961 |
| Tier 1 risk-based capital ratio | 13.4090% | 4,051 |
| Total risk-based capital ratio | 14.5966% | 4,029 |
| Memoranda: | ||
| Average total assets | $723,698,600 | 960 |
| Average earning assets | $674,812,200 | 944 |
| Average equity | $83,731,800 | 909 |
| Average total loans | $515,227,400 | 911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,161 |
| Cost of funding earning assets | 0.4319% | 2,881 |
| Net interest margin | 4.2346% | 1,095 |
| Noninterest income to average assets | 1.2722% | 740 |
| Noninterest expense to average assets | 4.0344% | 641 |
| Loan and lease loss provision to assets | 0.2661% | 616 |
| Net operating income to assets | 0.6679% | 4,047 |
| Return on assets (ROA) | 0.7087% | 3,973 |
| Pretax return on assets | 0.9810% | 3,684 |
| Return on Equity (ROE) | 6.1320% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.7692% | 3,791 |
| Net charge-offs to loans | 0.2662% | 995 |
| Credit loss provision to net charge-offs | 142.6311% | 1,748 |
| Earnings coverage of net charge-offs (x) | 6.3818% | 3,057 |
| Efficiency ratio | 76.7992% | 2,117 |
| Assets per employee ($millions) | 3.3035% | 5,123 |
| Cash dividends to net income (ytd only)* | 38.5315% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,506 |
| Loan loss allowance to noncurrent loans | 1,480.5274% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 4,780 |
| Noncurrent loans to loans | 0.0959% | 5,249 |
| Net loans and leases to total assets | 72.0184% | 2,057 |
| Net loans and leases to deposits | 85.9352% | 2,145 |
| Net loans and leases to core deposits | 91.1532% | 2,340 |
| Total domestic deposits to total assets | 83.8054% | 3,505 |
| Equity capital to assets | 12.0101% | 2,097 |
| Core capital (leverage) ratio | 11.4179% | 2,108 |
| Tier 1 risk-based capital ratio | 14.1303% | 3,779 |
| Total risk-based capital ratio | 15.3815% | 3,709 |
| Memoranda: | ||
| Average total assets | $722,642,500 | 963 |
| Average earning assets | $674,525,250 | 958 |
| Average equity | $83,516,000 | 920 |
| Average total loans | $506,367,500 | 925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 1,298 |
| Cost of funding earning assets | 0.4345% | 2,901 |
| Net interest margin | 4.1590% | 1,205 |
| Noninterest income to average assets | 1.1976% | 844 |
| Noninterest expense to average assets | 3.9722% | 698 |
| Loan and lease loss provision to assets | 0.2222% | 851 |
| Net operating income to assets | 0.6266% | 4,228 |
| Return on assets (ROA) | 0.6266% | 4,342 |
| Pretax return on assets | 0.8821% | 4,024 |
| Return on Equity (ROE) | 5.4914% | 4,377 |
| Retained earnings to average equity (ytd only) | 1.9330% | 4,733 |
| Net charge-offs to loans | 0.2711% | 975 |
| Credit loss provision to net charge-offs | 118.5944% | 1,824 |
| Earnings coverage of net charge-offs (x) | 5.8931% | 2,865 |
| Efficiency ratio | 77.8198% | 2,097 |
| Assets per employee ($millions) | 3.3064% | 5,154 |
| Cash dividends to net income (ytd only)* | 64.7986% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,794 |
| Loan loss allowance to noncurrent loans | 4,427.2152% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 4,868 |
| Noncurrent loans to loans | 0.0315% | 5,625 |
| Net loans and leases to total assets | 68.9836% | 2,486 |
| Net loans and leases to deposits | 82.1402% | 2,534 |
| Net loans and leases to core deposits | 88.1159% | 2,541 |
| Total domestic deposits to total assets | 83.9827% | 3,567 |
| Equity capital to assets | 11.5518% | 2,372 |
| Core capital (leverage) ratio | 10.9744% | 2,449 |
| Tier 1 risk-based capital ratio | 14.3225% | 3,746 |
| Total risk-based capital ratio | 15.5735% | 3,662 |
| Memoranda: | ||
| Average total assets | $728,971,670 | 953 |
| Average earning assets | $679,876,330 | 950 |
| Average equity | $83,184,670 | 920 |
| Average total loans | $503,803,330 | 927 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,337 |
| Cost of funding earning assets | 0.4325% | 2,950 |
| Net interest margin | 4.1172% | 1,236 |
| Noninterest income to average assets | 1.1455% | 869 |
| Noninterest expense to average assets | 3.8366% | 839 |
| Loan and lease loss provision to assets | 0.2031% | 902 |
| Net operating income to assets | 0.6713% | 3,945 |
| Return on assets (ROA) | 0.6713% | 4,065 |
| Pretax return on assets | 0.9413% | 3,736 |
| Return on Equity (ROE) | 5.9182% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9182% | 2,542 |
| Net charge-offs to loans | 0.2647% | 905 |
| Credit loss provision to net charge-offs | 111.6766% | 1,500 |
| Earnings coverage of net charge-offs (x) | 6.2934% | 2,309 |
| Efficiency ratio | 76.5985% | 2,412 |
| Assets per employee ($millions) | 3.5040% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 2,971 |
| Loan loss allowance to noncurrent loans | 571.2986% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 4,117 |
| Noncurrent loans to loans | 0.2429% | 4,906 |
| Net loans and leases to total assets | 65.4470% | 2,855 |
| Net loans and leases to deposits | 77.3197% | 2,906 |
| Net loans and leases to core deposits | 83.0447% | 2,868 |
| Total domestic deposits to total assets | 84.6447% | 3,562 |
| Equity capital to assets | 11.2160% | 2,738 |
| Core capital (leverage) ratio | 11.0349% | 2,382 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,808 |
| Total risk-based capital ratio | 15.5936% | 3,728 |
| Memoranda: | ||
| Average total assets | $734,713,500 | 947 |
| Average earning assets | $684,448,000 | 939 |
| Average equity | $83,335,500 | 920 |
| Average total loans | $504,733,000 | 928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 1,223 |
| Cost of funding earning assets | 0.4701% | 2,979 |
| Net interest margin | 4.2665% | 1,119 |
| Noninterest income to average assets | 1.2520% | 775 |
| Noninterest expense to average assets | 3.7330% | 1,090 |
| Loan and lease loss provision to assets | 0.3224% | 610 |
| Net operating income to assets | 0.8165% | 3,295 |
| Return on assets (ROA) | 0.8124% | 3,398 |
| Pretax return on assets | 1.1535% | 2,859 |
| Return on Equity (ROE) | 7.2558% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.6303% | 3,638 |
| Net charge-offs to loans | 0.3459% | 1,270 |
| Credit loss provision to net charge-offs | 137.1062% | 1,721 |
| Earnings coverage of net charge-offs (x) | 6.3022% | 3,230 |
| Efficiency ratio | 71.5849% | 3,281 |
| Assets per employee ($millions) | 3.4103% | 5,033 |
| Cash dividends to net income (ytd only)* | 49.9662% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 3,219 |
| Loan loss allowance to noncurrent loans | 850.0000% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 4,491 |
| Noncurrent loans to loans | 0.1579% | 5,264 |
| Net loans and leases to total assets | 70.1713% | 2,208 |
| Net loans and leases to deposits | 84.9428% | 2,105 |
| Net loans and leases to core deposits | 90.7054% | 2,211 |
| Total domestic deposits to total assets | 82.6100% | 4,214 |
| Equity capital to assets | 11.4745% | 2,446 |
| Core capital (leverage) ratio | 11.0830% | 2,331 |
| Tier 1 risk-based capital ratio | 14.1518% | 3,993 |
| Total risk-based capital ratio | 15.4026% | 3,921 |
| Memoranda: | ||
| Average total assets | $728,978,000 | 923 |
| Average earning assets | $677,090,600 | 908 |
| Average equity | $81,618,000 | 896 |
| Average total loans | $495,527,800 | 905 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,257 |
| Cost of funding earning assets | 0.4776% | 2,980 |
| Net interest margin | 4.2461% | 1,170 |
| Noninterest income to average assets | 1.1931% | 845 |
| Noninterest expense to average assets | 3.6205% | 1,260 |
| Loan and lease loss provision to assets | 0.3252% | 573 |
| Net operating income to assets | 0.8433% | 3,216 |
| Return on assets (ROA) | 0.8377% | 3,331 |
| Pretax return on assets | 1.1843% | 2,846 |
| Return on Equity (ROE) | 7.5282% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.0734% | 2,364 |
| Net charge-offs to loans | 0.3890% | 1,024 |
| Credit loss provision to net charge-offs | 124.4073% | 1,851 |
| Earnings coverage of net charge-offs (x) | 5.8041% | 3,194 |
| Efficiency ratio | 70.4670% | 3,427 |
| Assets per employee ($millions) | 3.3300% | 5,186 |
| Cash dividends to net income (ytd only)* | 19.3254% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 3,564 |
| Loan loss allowance to noncurrent loans | 998.7860% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 4,768 |
| Noncurrent loans to loans | 0.1318% | 5,528 |
| Net loans and leases to total assets | 69.5565% | 2,265 |
| Net loans and leases to deposits | 83.3334% | 2,251 |
| Net loans and leases to core deposits | 90.3480% | 2,189 |
| Total domestic deposits to total assets | 83.4677% | 3,964 |
| Equity capital to assets | 11.7719% | 2,249 |
| Core capital (leverage) ratio | 11.1409% | 2,358 |
| Tier 1 risk-based capital ratio | 14.5580% | 3,851 |
| Total risk-based capital ratio | 15.8085% | 3,793 |
| Memoranda: | ||
| Average total assets | $731,327,250 | 928 |
| Average earning assets | $679,447,500 | 912 |
| Average equity | $81,380,500 | 901 |
| Average total loans | $491,458,000 | 913 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,339 |
| Cost of funding earning assets | 0.4829% | 3,001 |
| Net interest margin | 4.1923% | 1,267 |
| Noninterest income to average assets | 1.2087% | 797 |
| Noninterest expense to average assets | 3.5583% | 1,371 |
| Loan and lease loss provision to assets | 0.3230% | 585 |
| Net operating income to assets | 0.8501% | 3,072 |
| Return on assets (ROA) | 0.8659% | 3,065 |
| Pretax return on assets | 1.2401% | 2,501 |
| Return on Equity (ROE) | 7.9281% | 3,134 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,496 |
| Net charge-offs to loans | 0.4347% | 944 |
| Credit loss provision to net charge-offs | 112.3352% | 1,792 |
| Earnings coverage of net charge-offs (x) | 5.3578% | 2,940 |
| Efficiency ratio | 69.7855% | 3,692 |
| Assets per employee ($millions) | 3.4462% | 4,956 |
| Cash dividends to net income (ytd only)* | 27.7674% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,943 |
| Loan loss allowance to noncurrent loans | 227.9011% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 3,438 |
| Noncurrent loans to loans | 0.5631% | 4,328 |
| Net loans and leases to total assets | 66.9968% | 2,579 |
| Net loans and leases to deposits | 80.0181% | 2,513 |
| Net loans and leases to core deposits | 87.1302% | 2,405 |
| Total domestic deposits to total assets | 83.7270% | 4,026 |
| Equity capital to assets | 11.2603% | 2,649 |
| Core capital (leverage) ratio | 10.6824% | 2,742 |
| Tier 1 risk-based capital ratio | 14.1732% | 4,141 |
| Total risk-based capital ratio | 15.4060% | 4,088 |
| Memoranda: | ||
| Average total assets | $738,672,670 | 922 |
| Average earning assets | $685,449,670 | 900 |
| Average equity | $80,675,000 | 903 |
| Average total loans | $488,630,670 | 911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,443 |
| Cost of funding earning assets | 0.4921% | 2,991 |
| Net interest margin | 4.1313% | 1,388 |
| Noninterest income to average assets | 1.1870% | 789 |
| Noninterest expense to average assets | 3.4560% | 1,578 |
| Loan and lease loss provision to assets | 0.3355% | 535 |
| Net operating income to assets | 0.8901% | 2,700 |
| Return on assets (ROA) | 0.8800% | 2,812 |
| Pretax return on assets | 1.2156% | 2,414 |
| Return on Equity (ROE) | 8.1824% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.1824% | 1,541 |
| Net charge-offs to loans | 0.4495% | 807 |
| Credit loss provision to net charge-offs | 114.3119% | 1,503 |
| Earnings coverage of net charge-offs (x) | 5.3321% | 2,386 |
| Efficiency ratio | 68.8298% | 4,038 |
| Assets per employee ($millions) | 3.5037% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,173 |
| Loan loss allowance to noncurrent loans | 142.8248% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 2,964 |
| Noncurrent loans to loans | 0.9037% | 3,622 |
| Net loans and leases to total assets | 65.2758% | 2,681 |
| Net loans and leases to deposits | 77.6519% | 2,611 |
| Net loans and leases to core deposits | 84.6636% | 2,446 |
| Total domestic deposits to total assets | 84.0621% | 4,254 |
| Equity capital to assets | 10.9619% | 2,752 |
| Core capital (leverage) ratio | 10.5222% | 2,901 |
| Tier 1 risk-based capital ratio | 14.2970% | 4,129 |
| Total risk-based capital ratio | 15.5415% | 4,086 |
| Memoranda: | ||
| Average total assets | $742,707,000 | 920 |
| Average earning assets | $689,268,500 | 897 |
| Average equity | $79,878,500 | 918 |
| Average total loans | $485,024,000 | 921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 1,584 |
| Cost of funding earning assets | 0.6020% | 2,637 |
| Net interest margin | 4.0933% | 1,664 |
| Noninterest income to average assets | 1.5256% | 608 |
| Noninterest expense to average assets | 3.8412% | 1,073 |
| Loan and lease loss provision to assets | 0.2073% | 1,786 |
| Net operating income to assets | 0.8957% | 2,804 |
| Return on assets (ROA) | 0.8957% | 2,894 |
| Pretax return on assets | 1.2535% | 2,347 |
| Return on Equity (ROE) | 8.1608% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.8928% | 2,044 |
| Net charge-offs to loans | 0.5270% | 1,260 |
| Credit loss provision to net charge-offs | 65.2251% | 3,423 |
| Earnings coverage of net charge-offs (x) | 4.5966% | 3,522 |
| Efficiency ratio | 72.3933% | 3,400 |
| Assets per employee ($millions) | 3.5530% | 4,797 |
| Cash dividends to net income (ytd only)* | 27.7908% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,168 |
| Loan loss allowance to noncurrent loans | 139.1693% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3700% | 2,692 |
| Noncurrent loans to loans | 0.9307% | 3,666 |
| Net loans and leases to total assets | 63.6528% | 3,106 |
| Net loans and leases to deposits | 80.2043% | 2,429 |
| Net loans and leases to core deposits | 86.1919% | 2,424 |
| Total domestic deposits to total assets | 79.3633% | 5,586 |
| Equity capital to assets | 10.5501% | 3,091 |
| Core capital (leverage) ratio | 10.3504% | 3,090 |
| Tier 1 risk-based capital ratio | 13.9854% | 4,309 |
| Total risk-based capital ratio | 15.2147% | 4,257 |
| Memoranda: | ||
| Average total assets | $713,054,000 | 929 |
| Average earning assets | $657,852,800 | 917 |
| Average equity | $78,264,400 | 913 |
| Average total loans | $429,978,200 | 996 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,596 |
| Cost of funding earning assets | 0.6300% | 2,551 |
| Net interest margin | 4.0705% | 1,724 |
| Noninterest income to average assets | 1.6513% | 545 |
| Noninterest expense to average assets | 3.9482% | 911 |
| Loan and lease loss provision to assets | 0.2041% | 1,780 |
| Net operating income to assets | 0.8899% | 2,884 |
| Return on assets (ROA) | 0.8899% | 2,999 |
| Pretax return on assets | 1.2526% | 2,503 |
| Return on Equity (ROE) | 8.0253% | 3,115 |
| Retained earnings to average equity (ytd only) | 6.2578% | 2,260 |
| Net charge-offs to loans | 0.5417% | 1,177 |
| Credit loss provision to net charge-offs | 63.6578% | 3,211 |
| Earnings coverage of net charge-offs (x) | 4.5428% | 3,416 |
| Efficiency ratio | 72.9751% | 3,223 |
| Assets per employee ($millions) | 3.4410% | 4,969 |
| Cash dividends to net income (ytd only)* | 22.0238% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 3,773 |
| Loan loss allowance to noncurrent loans | 134.1995% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5391% | 2,624 |
| Noncurrent loans to loans | 1.0653% | 3,671 |
| Net loans and leases to total assets | 61.1019% | 3,507 |
| Net loans and leases to deposits | 76.0316% | 2,961 |
| Net loans and leases to core deposits | 80.9640% | 3,009 |
| Total domestic deposits to total assets | 80.3639% | 5,403 |
| Equity capital to assets | 10.8636% | 2,901 |
| Core capital (leverage) ratio | 10.4403% | 3,072 |
| Tier 1 risk-based capital ratio | 14.7379% | 3,923 |
| Total risk-based capital ratio | 15.9882% | 3,886 |
| Memoranda: | ||
| Average total assets | $704,783,250 | 945 |
| Average earning assets | $649,888,000 | 935 |
| Average equity | $78,151,000 | 923 |
| Average total loans | $417,180,500 | 1,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,554 |
| Cost of funding earning assets | 0.6433% | 2,559 |
| Net interest margin | 4.0616% | 1,661 |
| Noninterest income to average assets | 1.7804% | 530 |
| Noninterest expense to average assets | 4.0690% | 802 |
| Loan and lease loss provision to assets | 0.1929% | 1,969 |
| Net operating income to assets | 0.9190% | 2,702 |
| Return on assets (ROA) | 0.9190% | 2,841 |
| Pretax return on assets | 1.2607% | 2,444 |
| Return on Equity (ROE) | 8.2297% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.5745% | 2,690 |
| Net charge-offs to loans | 0.4640% | 1,423 |
| Credit loss provision to net charge-offs | 71.3983% | 2,797 |
| Earnings coverage of net charge-offs (x) | 5.3803% | 2,905 |
| Efficiency ratio | 73.5710% | 3,214 |
| Assets per employee ($millions) | 3.4199% | 5,017 |
| Cash dividends to net income (ytd only)* | 32.2641% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,369 |
| Loan loss allowance to noncurrent loans | 126.9513% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.8842% | 2,297 |
| Noncurrent loans to loans | 1.2198% | 3,516 |
| Net loans and leases to total assets | 59.4716% | 3,751 |
| Net loans and leases to deposits | 72.8677% | 3,326 |
| Net loans and leases to core deposits | 77.9675% | 3,294 |
| Total domestic deposits to total assets | 81.6158% | 5,172 |
| Equity capital to assets | 10.5401% | 3,250 |
| Core capital (leverage) ratio | 10.3677% | 3,025 |
| Tier 1 risk-based capital ratio | 14.6929% | 3,975 |
| Total risk-based capital ratio | 15.9443% | 3,937 |
| Memoranda: | ||
| Average total assets | $698,840,330 | 952 |
| Average earning assets | $643,889,670 | 945 |
| Average equity | $78,034,000 | 929 |
| Average total loans | $406,929,330 | 1,044 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,540 |
| Cost of funding earning assets | 0.6514% | 2,645 |
| Net interest margin | 4.0474% | 1,623 |
| Noninterest income to average assets | 1.5291% | 659 |
| Noninterest expense to average assets | 3.9880% | 899 |
| Loan and lease loss provision to assets | 0.2304% | 1,588 |
| Net operating income to assets | 0.7931% | 3,203 |
| Return on assets (ROA) | 0.7931% | 3,338 |
| Pretax return on assets | 1.0345% | 3,207 |
| Return on Equity (ROE) | 6.8993% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8993% | 2,201 |
| Net charge-offs to loans | 0.5259% | 1,145 |
| Credit loss provision to net charge-offs | 76.7442% | 2,203 |
| Earnings coverage of net charge-offs (x) | 4.2132% | 2,597 |
| Efficiency ratio | 75.7975% | 2,958 |
| Assets per employee ($millions) | 3.3879% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 2,989 |
| Loan loss allowance to noncurrent loans | 126.6287% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0110% | 2,334 |
| Noncurrent loans to loans | 1.3465% | 3,545 |
| Net loans and leases to total assets | 57.2733% | 3,872 |
| Net loans and leases to deposits | 67.4026% | 3,853 |
| Net loans and leases to core deposits | 70.6328% | 3,986 |
| Total domestic deposits to total assets | 84.9719% | 4,055 |
| Equity capital to assets | 11.4439% | 2,464 |
| Core capital (leverage) ratio | 10.7215% | 2,529 |
| Tier 1 risk-based capital ratio | 15.1046% | 3,764 |
| Total risk-based capital ratio | 16.3570% | 3,721 |
| Memoranda: | ||
| Average total assets | $687,462,000 | 978 |
| Average earning assets | $632,509,500 | 977 |
| Average equity | $79,022,500 | 933 |
| Average total loans | $392,446,500 | 1,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 1,191 |
| Cost of funding earning assets | 0.8407% | 2,358 |
| Net interest margin | 4.3184% | 1,360 |
| Noninterest income to average assets | 1.6189% | 606 |
| Noninterest expense to average assets | 3.9772% | 1,002 |
| Loan and lease loss provision to assets | 0.2654% | 2,521 |
| Net operating income to assets | 0.9845% | 2,407 |
| Return on assets (ROA) | 0.9845% | 2,629 |
| Pretax return on assets | 1.3553% | 2,191 |
| Return on Equity (ROE) | 8.4684% | 2,886 |
| Retained earnings to average equity (ytd only) | 4.6257% | 2,969 |
| Net charge-offs to loans | 0.6357% | 1,839 |
| Credit loss provision to net charge-offs | 75.1282% | 4,001 |
| Earnings coverage of net charge-offs (x) | 4.5876% | 3,316 |
| Efficiency ratio | 70.9531% | 3,630 |
| Assets per employee ($millions) | 3.5072% | 4,990 |
| Cash dividends to net income (ytd only)* | 45.3765% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 2,450 |
| Loan loss allowance to noncurrent loans | 1,699.7579% | 311 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 3,833 |
| Noncurrent loans to loans | 0.1086% | 6,213 |
| Net loans and leases to total assets | 54.8495% | 4,480 |
| Net loans and leases to deposits | 67.1867% | 4,106 |
| Net loans and leases to core deposits | 70.3740% | 4,254 |
| Total domestic deposits to total assets | 81.6376% | 5,213 |
| Equity capital to assets | 11.5468% | 2,400 |
| Core capital (leverage) ratio | 10.7640% | 2,475 |
| Tier 1 risk-based capital ratio | 15.6446% | 3,354 |
| Total risk-based capital ratio | 16.8984% | 3,306 |
| Memoranda: | ||
| Average total assets | $662,356,600 | 993 |
| Average earning assets | $610,291,800 | 982 |
| Average equity | $77,004,000 | 915 |
| Average total loans | $368,090,400 | 1,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 1,269 |
| Cost of funding earning assets | 0.8698% | 2,391 |
| Net interest margin | 4.2946% | 1,482 |
| Noninterest income to average assets | 1.6028% | 577 |
| Noninterest expense to average assets | 3.9933% | 942 |
| Loan and lease loss provision to assets | 0.2503% | 2,558 |
| Net operating income to assets | 0.9605% | 2,702 |
| Return on assets (ROA) | 0.9605% | 2,916 |
| Pretax return on assets | 1.3219% | 2,518 |
| Return on Equity (ROE) | 8.2472% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.6716% | 2,912 |
| Net charge-offs to loans | 0.8601% | 1,277 |
| Credit loss provision to net charge-offs | 52.4416% | 4,337 |
| Earnings coverage of net charge-offs (x) | 3.2938% | 3,707 |
| Efficiency ratio | 71.6606% | 3,380 |
| Assets per employee ($millions) | 3.4510% | 5,086 |
| Cash dividends to net income (ytd only)* | 31.2301% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 2,924 |
| Loan loss allowance to noncurrent loans | 156.0424% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 3,232 |
| Noncurrent loans to loans | 1.1302% | 4,168 |
| Net loans and leases to total assets | 55.0663% | 4,587 |
| Net loans and leases to deposits | 66.3028% | 4,432 |
| Net loans and leases to core deposits | 69.6286% | 4,546 |
| Total domestic deposits to total assets | 83.0527% | 4,624 |
| Equity capital to assets | 12.1023% | 2,175 |
| Core capital (leverage) ratio | 10.8297% | 2,563 |
| Tier 1 risk-based capital ratio | 16.0709% | 3,231 |
| Total risk-based capital ratio | 17.3238% | 3,197 |
| Memoranda: | ||
| Average total assets | $657,844,500 | 1,006 |
| Average earning assets | $607,009,000 | 994 |
| Average equity | $76,613,750 | 918 |
| Average total loans | $365,058,250 | 1,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 1,211 |
| Cost of funding earning assets | 0.8918% | 2,464 |
| Net interest margin | 4.3206% | 1,428 |
| Noninterest income to average assets | 1.6251% | 561 |
| Noninterest expense to average assets | 4.0151% | 925 |
| Loan and lease loss provision to assets | 0.2436% | 2,630 |
| Net operating income to assets | 0.9846% | 2,532 |
| Return on assets (ROA) | 0.9846% | 2,765 |
| Pretax return on assets | 1.3566% | 2,365 |
| Return on Equity (ROE) | 8.5654% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.6552% | 3,510 |
| Net charge-offs to loans | 1.0158% | 1,088 |
| Credit loss provision to net charge-offs | 43.3514% | 4,186 |
| Earnings coverage of net charge-offs (x) | 2.8481% | 3,605 |
| Efficiency ratio | 71.4278% | 3,531 |
| Assets per employee ($millions) | 3.3411% | 5,355 |
| Cash dividends to net income (ytd only)* | 45.6508% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,772 |
| Loan loss allowance to noncurrent loans | 68.9604% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1604% | 2,597 |
| Noncurrent loans to loans | 2.6444% | 2,275 |
| Net loans and leases to total assets | 54.4371% | 4,721 |
| Net loans and leases to deposits | 65.3051% | 4,601 |
| Net loans and leases to core deposits | 68.6147% | 4,716 |
| Total domestic deposits to total assets | 83.3580% | 4,599 |
| Equity capital to assets | 11.9250% | 2,197 |
| Core capital (leverage) ratio | 10.5844% | 2,727 |
| Tier 1 risk-based capital ratio | 16.1380% | 3,104 |
| Total risk-based capital ratio | 17.3918% | 3,063 |
| Memoranda: | ||
| Average total assets | $658,561,670 | 1,002 |
| Average earning assets | $608,198,670 | 993 |
| Average equity | $75,700,330 | 923 |
| Average total loans | $364,228,330 | 1,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 1,250 |
| Cost of funding earning assets | 0.9229% | 2,492 |
| Net interest margin | 4.3090% | 1,441 |
| Noninterest income to average assets | 1.4939% | 646 |
| Noninterest expense to average assets | 3.9376% | 1,009 |
| Loan and lease loss provision to assets | 0.2676% | 2,318 |
| Net operating income to assets | 0.9250% | 2,814 |
| Return on assets (ROA) | 0.9250% | 3,019 |
| Pretax return on assets | 1.2728% | 2,640 |
| Return on Equity (ROE) | 8.1972% | 3,196 |
| Retained earnings to average equity (ytd only) | 8.1972% | 1,907 |
| Net charge-offs to loans | 0.7899% | 1,301 |
| Credit loss provision to net charge-offs | 61.3260% | 3,089 |
| Earnings coverage of net charge-offs (x) | 3.5304% | 2,807 |
| Efficiency ratio | 71.8372% | 3,474 |
| Assets per employee ($millions) | 3.5331% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 2,252 |
| Loan loss allowance to noncurrent loans | 160.1487% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 3,924 |
| Noncurrent loans to loans | 1.2709% | 4,203 |
| Net loans and leases to total assets | 53.3417% | 4,829 |
| Net loans and leases to deposits | 64.0691% | 4,627 |
| Net loans and leases to core deposits | 67.3772% | 4,748 |
| Total domestic deposits to total assets | 83.2566% | 4,829 |
| Equity capital to assets | 11.4550% | 2,482 |
| Core capital (leverage) ratio | 10.3985% | 2,880 |
| Tier 1 risk-based capital ratio | 16.0165% | 3,169 |
| Total risk-based capital ratio | 17.2723% | 3,130 |
| Memoranda: | ||
| Average total assets | $663,759,000 | 993 |
| Average earning assets | $613,686,500 | 977 |
| Average equity | $74,903,500 | 926 |
| Average total loans | $366,644,000 | 1,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 863 |
| Cost of funding earning assets | 1.1528% | 2,335 |
| Net interest margin | 4.5011% | 1,128 |
| Noninterest income to average assets | 2.0020% | 377 |
| Noninterest expense to average assets | 4.0657% | 941 |
| Loan and lease loss provision to assets | 0.2717% | 3,499 |
| Net operating income to assets | 1.2593% | 1,352 |
| Return on assets (ROA) | 1.2559% | 1,460 |
| Pretax return on assets | 1.8061% | 794 |
| Return on Equity (ROE) | 11.6471% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,308 |
| Net charge-offs to loans | 0.9505% | 1,826 |
| Credit loss provision to net charge-offs | 49.7600% | 5,425 |
| Earnings coverage of net charge-offs (x) | 3.8139% | 3,378 |
| Efficiency ratio | 66.0270% | 4,769 |
| Assets per employee ($millions) | 3.5851% | 4,814 |
| Cash dividends to net income (ytd only)* | 36.3380% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0351% | 2,168 |
| Loan loss allowance to noncurrent loans | 84.1488% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,233 |
| Noncurrent loans to loans | 2.4185% | 2,710 |
| Net loans and leases to total assets | 54.8778% | 4,899 |
| Net loans and leases to deposits | 65.6730% | 4,781 |
| Net loans and leases to core deposits | 69.1816% | 4,887 |
| Total domestic deposits to total assets | 83.5622% | 4,512 |
| Equity capital to assets | 11.1161% | 2,875 |
| Core capital (leverage) ratio | 10.1614% | 3,153 |
| Tier 1 risk-based capital ratio | 15.4088% | 3,385 |
| Total risk-based capital ratio | 16.6652% | 3,336 |
| Memoranda: | ||
| Average total assets | $648,399,200 | 1,000 |
| Average earning assets | $597,323,200 | 982 |
| Average equity | $69,914,600 | 959 |
| Average total loans | $372,558,200 | 1,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 928 |
| Cost of funding earning assets | 1.1959% | 2,338 |
| Net interest margin | 4.4563% | 1,256 |
| Noninterest income to average assets | 1.9523% | 397 |
| Noninterest expense to average assets | 4.1072% | 890 |
| Loan and lease loss provision to assets | 0.2427% | 3,575 |
| Net operating income to assets | 1.2392% | 1,542 |
| Return on assets (ROA) | 1.2345% | 1,662 |
| Pretax return on assets | 1.6984% | 1,149 |
| Return on Equity (ROE) | 11.5416% | 1,673 |
| Retained earnings to average equity (ytd only) | 8.6761% | 1,255 |
| Net charge-offs to loans | 0.9218% | 1,740 |
| Credit loss provision to net charge-offs | 45.5322% | 5,127 |
| Earnings coverage of net charge-offs (x) | 3.6535% | 3,350 |
| Efficiency ratio | 67.7247% | 4,369 |
| Assets per employee ($millions) | 3.5090% | 4,971 |
| Cash dividends to net income (ytd only)* | 24.8280% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,963 |
| Loan loss allowance to noncurrent loans | 84.5950% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.3298% | 2,752 |
| Noncurrent loans to loans | 2.5427% | 2,726 |
| Net loans and leases to total assets | 55.3148% | 4,954 |
| Net loans and leases to deposits | 66.5894% | 4,816 |
| Net loans and leases to core deposits | 69.9449% | 4,952 |
| Total domestic deposits to total assets | 83.0684% | 4,652 |
| Equity capital to assets | 11.2417% | 2,922 |
| Core capital (leverage) ratio | 10.2430% | 3,135 |
| Tier 1 risk-based capital ratio | 15.7945% | 3,223 |
| Total risk-based capital ratio | 17.0527% | 3,176 |
| Memoranda: | ||
| Average total assets | $643,792,250 | 1,011 |
| Average earning assets | $592,676,250 | 1,002 |
| Average equity | $68,862,000 | 982 |
| Average total loans | $372,312,250 | 1,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6971% | 881 |
| Cost of funding earning assets | 1.2291% | 2,387 |
| Net interest margin | 4.4679% | 1,210 |
| Noninterest income to average assets | 1.9570% | 371 |
| Noninterest expense to average assets | 4.1691% | 856 |
| Loan and lease loss provision to assets | 0.2148% | 3,767 |
| Net operating income to assets | 1.2458% | 1,449 |
| Return on assets (ROA) | 1.2238% | 1,579 |
| Pretax return on assets | 1.6578% | 1,140 |
| Return on Equity (ROE) | 11.6441% | 1,591 |
| Retained earnings to average equity (ytd only) | 7.2411% | 1,768 |
| Net charge-offs to loans | 0.9566% | 1,637 |
| Credit loss provision to net charge-offs | 38.5306% | 4,841 |
| Earnings coverage of net charge-offs (x) | 3.4122% | 3,182 |
| Efficiency ratio | 68.5755% | 4,411 |
| Assets per employee ($millions) | 3.5655% | 4,772 |
| Cash dividends to net income (ytd only)* | 37.8130% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 1,860 |
| Loan loss allowance to noncurrent loans | 89.6645% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 2.6130% | 2,551 |
| Noncurrent loans to loans | 2.4869% | 2,900 |
| Net loans and leases to total assets | 55.3693% | 5,090 |
| Net loans and leases to deposits | 67.2151% | 4,825 |
| Net loans and leases to core deposits | 70.6485% | 4,996 |
| Total domestic deposits to total assets | 82.3764% | 5,034 |
| Equity capital to assets | 10.7486% | 3,232 |
| Core capital (leverage) ratio | 9.9997% | 3,265 |
| Tier 1 risk-based capital ratio | 14.9151% | 3,533 |
| Total risk-based capital ratio | 16.1734% | 3,509 |
| Memoranda: | ||
| Average total assets | $639,662,000 | 1,029 |
| Average earning assets | $589,040,670 | 1,017 |
| Average equity | $67,227,330 | 1,004 |
| Average total loans | $372,768,000 | 1,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 984 |
| Cost of funding earning assets | 1.2810% | 2,302 |
| Net interest margin | 4.3630% | 1,383 |
| Noninterest income to average assets | 2.0150% | 349 |
| Noninterest expense to average assets | 4.1219% | 899 |
| Loan and lease loss provision to assets | 0.2578% | 3,083 |
| Net operating income to assets | 1.2226% | 1,470 |
| Return on assets (ROA) | 1.2226% | 1,528 |
| Pretax return on assets | 1.6527% | 1,072 |
| Return on Equity (ROE) | 11.7714% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.7714% | 770 |
| Net charge-offs to loans | 1.1109% | 1,248 |
| Credit loss provision to net charge-offs | 39.2478% | 3,968 |
| Earnings coverage of net charge-offs (x) | 2.9084% | 2,922 |
| Efficiency ratio | 68.2558% | 4,610 |
| Assets per employee ($millions) | 3.4594% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 1,585 |
| Loan loss allowance to noncurrent loans | 152.0063% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 3,140 |
| Noncurrent loans to loans | 1.5886% | 4,103 |
| Net loans and leases to total assets | 55.2564% | 5,120 |
| Net loans and leases to deposits | 65.4775% | 5,047 |
| Net loans and leases to core deposits | 68.6804% | 5,206 |
| Total domestic deposits to total assets | 84.3898% | 4,328 |
| Equity capital to assets | 10.4268% | 3,260 |
| Core capital (leverage) ratio | 10.1743% | 2,950 |
| Tier 1 risk-based capital ratio | 15.0602% | 3,391 |
| Total risk-based capital ratio | 16.3203% | 3,347 |
| Memoranda: | ||
| Average total assets | $631,464,000 | 1,055 |
| Average earning assets | $581,432,000 | 1,041 |
| Average equity | $65,582,500 | 1,016 |
| Average total loans | $373,382,000 | 1,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5448% | 299 |
| Cost of funding earning assets | 1.5783% | 2,201 |
| Net interest margin | 4.9665% | 468 |
| Noninterest income to average assets | 2.3499% | 305 |
| Noninterest expense to average assets | 4.4157% | 706 |
| Loan and lease loss provision to assets | 0.6717% | 2,460 |
| Net operating income to assets | 1.2920% | 1,196 |
| Return on assets (ROA) | 1.3509% | 1,125 |
| Pretax return on assets | 1.8863% | 632 |
| Return on Equity (ROE) | 13.0858% | 1,070 |
| Retained earnings to average equity (ytd only) | 8.3912% | 871 |
| Net charge-offs to loans | 2.0007% | 1,008 |
| Credit loss provision to net charge-offs | 51.3010% | 6,239 |
| Earnings coverage of net charge-offs (x) | 1.8913% | 4,304 |
| Efficiency ratio | 63.9615% | 5,359 |
| Assets per employee ($millions) | 3.3855% | 5,207 |
| Cash dividends to net income (ytd only)* | 35.8754% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4406% | 1,495 |
| Loan loss allowance to noncurrent loans | 112.9833% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 3,123 |
| Noncurrent loans to loans | 2.1601% | 3,357 |
| Net loans and leases to total assets | 60.1982% | 4,647 |
| Net loans and leases to deposits | 72.4267% | 4,439 |
| Net loans and leases to core deposits | 75.7502% | 4,757 |
| Total domestic deposits to total assets | 83.1159% | 4,748 |
| Equity capital to assets | 10.3437% | 3,335 |
| Core capital (leverage) ratio | 9.9580% | 3,139 |
| Tier 1 risk-based capital ratio | 14.2832% | 3,688 |
| Total risk-based capital ratio | 15.5447% | 3,632 |
| Memoranda: | ||
| Average total assets | $610,572,000 | 1,091 |
| Average earning assets | $558,385,000 | 1,087 |
| Average equity | $63,030,000 | 1,063 |
| Average total loans | $399,558,400 | 1,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7145% | 235 |
| Cost of funding earning assets | 1.6159% | 2,301 |
| Net interest margin | 5.0986% | 358 |
| Noninterest income to average assets | 2.4154% | 291 |
| Noninterest expense to average assets | 4.4309% | 643 |
| Loan and lease loss provision to assets | 0.8476% | 1,792 |
| Net operating income to assets | 1.2835% | 1,366 |
| Return on assets (ROA) | 1.2846% | 1,448 |
| Pretax return on assets | 1.7907% | 940 |
| Return on Equity (ROE) | 12.4504% | 1,396 |
| Retained earnings to average equity (ytd only) | 9.3022% | 965 |
| Net charge-offs to loans | 2.1797% | 836 |
| Credit loss provision to net charge-offs | 58.5684% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.8220% | 4,345 |
| Efficiency ratio | 62.5924% | 5,505 |
| Assets per employee ($millions) | 3.3519% | 5,321 |
| Cash dividends to net income (ytd only)* | 25.2861% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7193% | 1,061 |
| Loan loss allowance to noncurrent loans | 127.5191% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.9022% | 3,611 |
| Noncurrent loans to loans | 2.1325% | 3,536 |
| Net loans and leases to total assets | 61.4814% | 4,634 |
| Net loans and leases to deposits | 76.2362% | 4,141 |
| Net loans and leases to core deposits | 79.6234% | 4,571 |
| Total domestic deposits to total assets | 80.6459% | 5,504 |
| Equity capital to assets | 10.7928% | 3,173 |
| Core capital (leverage) ratio | 9.8539% | 3,424 |
| Tier 1 risk-based capital ratio | 13.8978% | 3,915 |
| Total risk-based capital ratio | 15.1632% | 3,869 |
| Memoranda: | ||
| Average total assets | $607,482,250 | 1,106 |
| Average earning assets | $554,311,250 | 1,096 |
| Average equity | $62,679,000 | 1,072 |
| Average total loans | $403,354,500 | 1,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9207% | 173 |
| Cost of funding earning assets | 1.6393% | 2,437 |
| Net interest margin | 5.2814% | 249 |
| Noninterest income to average assets | 2.4697% | 273 |
| Noninterest expense to average assets | 4.3897% | 654 |
| Loan and lease loss provision to assets | 1.0338% | 1,408 |
| Net operating income to assets | 1.3120% | 1,276 |
| Return on assets (ROA) | 1.3136% | 1,344 |
| Pretax return on assets | 1.8573% | 804 |
| Return on Equity (ROE) | 12.9324% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.1198% | 1,403 |
| Net charge-offs to loans | 2.4832% | 697 |
| Credit loss provision to net charge-offs | 61.6992% | 5,175 |
| Earnings coverage of net charge-offs (x) | 1.7240% | 4,217 |
| Efficiency ratio | 60.2151% | 6,009 |
| Assets per employee ($millions) | 3.2763% | 5,491 |
| Cash dividends to net income (ytd only)* | 37.2140% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8280% | 976 |
| Loan loss allowance to noncurrent loans | 79.5158% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 2.7657% | 2,614 |
| Noncurrent loans to loans | 3.5566% | 2,217 |
| Net loans and leases to total assets | 63.8895% | 4,285 |
| Net loans and leases to deposits | 78.1477% | 3,938 |
| Net loans and leases to core deposits | 81.3764% | 4,502 |
| Total domestic deposits to total assets | 81.7548% | 5,088 |
| Equity capital to assets | 10.3391% | 3,597 |
| Core capital (leverage) ratio | 9.4923% | 3,834 |
| Tier 1 risk-based capital ratio | 13.3022% | 4,207 |
| Total risk-based capital ratio | 14.5694% | 4,151 |
| Memoranda: | ||
| Average total assets | $605,510,000 | 1,115 |
| Average earning assets | $551,331,330 | 1,106 |
| Average equity | $61,504,330 | 1,080 |
| Average total loans | $408,583,330 | 1,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1506% | 134 |
| Cost of funding earning assets | 1.6444% | 2,683 |
| Net interest margin | 5.5062% | 178 |
| Noninterest income to average assets | 2.8033% | 226 |
| Noninterest expense to average assets | 4.4972% | 582 |
| Loan and lease loss provision to assets | 1.4017% | 855 |
| Net operating income to assets | 1.3321% | 1,222 |
| Return on assets (ROA) | 1.3321% | 1,295 |
| Pretax return on assets | 1.9106% | 719 |
| Return on Equity (ROE) | 13.2337% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.2337% | 591 |
| Net charge-offs to loans | 3.1502% | 477 |
| Credit loss provision to net charge-offs | 65.0970% | 4,202 |
| Earnings coverage of net charge-offs (x) | 1.5383% | 3,809 |
| Efficiency ratio | 57.4932% | 6,565 |
| Assets per employee ($millions) | 3.2189% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0457% | 789 |
| Loan loss allowance to noncurrent loans | 91.2988% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 2.4677% | 2,938 |
| Noncurrent loans to loans | 3.3359% | 2,395 |
| Net loans and leases to total assets | 63.1898% | 4,491 |
| Net loans and leases to deposits | 78.0042% | 4,042 |
| Net loans and leases to core deposits | 80.5641% | 4,693 |
| Total domestic deposits to total assets | 81.0081% | 5,457 |
| Equity capital to assets | 10.0666% | 3,781 |
| Core capital (leverage) ratio | 9.8432% | 3,351 |
| Tier 1 risk-based capital ratio | 13.3884% | 4,055 |
| Total risk-based capital ratio | 14.6585% | 4,003 |
| Memoranda: | ||
| Average total assets | $603,571,000 | 1,144 |
| Average earning assets | $548,767,500 | 1,139 |
| Average equity | $60,754,000 | 1,097 |
| Average total loans | $412,542,000 | 1,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0721% | 48 |
| Cost of funding earning assets | 1.9217% | 3,347 |
| Net interest margin | 7.1504% | 49 |
| Noninterest income to average assets | 4.9586% | 145 |
| Noninterest expense to average assets | 5.4034% | 411 |
| Loan and lease loss provision to assets | 4.4439% | 269 |
| Net operating income to assets | 1.2595% | 1,113 |
| Return on assets (ROA) | 1.2596% | 1,168 |
| Pretax return on assets | 1.6929% | 792 |
| Return on Equity (ROE) | 12.2446% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.1473% | 923 |
| Net charge-offs to loans | 6.8243% | 130 |
| Credit loss provision to net charge-offs | 85.5695% | 6,147 |
| Earnings coverage of net charge-offs (x) | 1.1816% | 4,942 |
| Efficiency ratio | 46.7568% | 7,676 |
| Assets per employee ($millions) | 3.1848% | 5,755 |
| Cash dividends to net income (ytd only)* | 41.6292% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1124% | 703 |
| Loan loss allowance to noncurrent loans | 90.4347% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 2.7230% | 2,567 |
| Noncurrent loans to loans | 3.4416% | 2,210 |
| Net loans and leases to total assets | 69.3823% | 3,393 |
| Net loans and leases to deposits | 85.1209% | 3,062 |
| Net loans and leases to core deposits | 97.2948% | 4,315 |
| Total domestic deposits to total assets | 81.5103% | 5,150 |
| Equity capital to assets | 10.0649% | 3,672 |
| Core capital (leverage) ratio | 9.6134% | 3,579 |
| Tier 1 risk-based capital ratio | 12.3768% | 4,617 |
| Total risk-based capital ratio | 13.6491% | 4,564 |
| Memoranda: | ||
| Average total assets | $564,296,200 | 1,229 |
| Average earning assets | $519,395,400 | 1,217 |
| Average equity | $58,050,000 | 1,138 |
| Average total loans | $429,434,800 | 1,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2546% | 44 |
| Cost of funding earning assets | 1.9381% | 3,670 |
| Net interest margin | 7.3165% | 43 |
| Noninterest income to average assets | 5.5758% | 129 |
| Noninterest expense to average assets | 5.7275% | 339 |
| Loan and lease loss provision to assets | 5.0485% | 167 |
| Net operating income to assets | 1.2112% | 1,439 |
| Return on assets (ROA) | 1.2114% | 1,498 |
| Pretax return on assets | 1.5674% | 1,248 |
| Return on Equity (ROE) | 11.7081% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.2832% | 1,050 |
| Net charge-offs to loans | 7.7090% | 87 |
| Credit loss provision to net charge-offs | 84.7178% | 5,632 |
| Earnings coverage of net charge-offs (x) | 1.1102% | 4,953 |
| Efficiency ratio | 46.3400% | 7,758 |
| Assets per employee ($millions) | 3.1791% | 5,700 |
| Cash dividends to net income (ytd only)* | 29.2524% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0128% | 661 |
| Loan loss allowance to noncurrent loans | 68.4792% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 3.5968% | 1,835 |
| Noncurrent loans to loans | 4.3996% | 1,603 |
| Net loans and leases to total assets | 74.1957% | 2,469 |
| Net loans and leases to deposits | 93.6509% | 1,938 |
| Net loans and leases to core deposits | 108.5231% | 3,408 |
| Total domestic deposits to total assets | 79.2259% | 5,725 |
| Equity capital to assets | 10.0635% | 4,008 |
| Core capital (leverage) ratio | 9.8540% | 3,450 |
| Tier 1 risk-based capital ratio | 11.5944% | 5,348 |
| Total risk-based capital ratio | 12.8666% | 5,264 |
| Memoranda: | ||
| Average total assets | $556,481,750 | 1,255 |
| Average earning assets | $514,713,000 | 1,239 |
| Average equity | $57,577,000 | 1,166 |
| Average total loans | $430,172,750 | 1,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7677% | 42 |
| Cost of funding earning assets | 2.0185% | 3,687 |
| Net interest margin | 7.7492% | 40 |
| Noninterest income to average assets | 6.4214% | 112 |
| Noninterest expense to average assets | 6.2143% | 299 |
| Loan and lease loss provision to assets | 5.5994% | 160 |
| Net operating income to assets | 1.3928% | 1,041 |
| Return on assets (ROA) | 1.3928% | 1,110 |
| Pretax return on assets | 1.7675% | 904 |
| Return on Equity (ROE) | 13.3282% | 1,113 |
| Retained earnings to average equity (ytd only) | 8.1229% | 1,172 |
| Net charge-offs to loans | 9.1339% | 73 |
| Credit loss provision to net charge-offs | 79.0047% | 5,226 |
| Earnings coverage of net charge-offs (x) | 1.0394% | 4,748 |
| Efficiency ratio | 45.6997% | 7,865 |
| Assets per employee ($millions) | 2.9765% | 6,197 |
| Cash dividends to net income (ytd only)* | 39.0547% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2958% | 449 |
| Loan loss allowance to noncurrent loans | 175.9545% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 4,029 |
| Noncurrent loans to loans | 1.8731% | 3,696 |
| Net loans and leases to total assets | 72.8881% | 2,979 |
| Net loans and leases to deposits | 91.9760% | 2,473 |
| Net loans and leases to core deposits | 104.3988% | 4,021 |
| Total domestic deposits to total assets | 79.2468% | 5,733 |
| Equity capital to assets | 10.6432% | 3,259 |
| Core capital (leverage) ratio | 9.9322% | 3,370 |
| Tier 1 risk-based capital ratio | 12.7946% | 4,294 |
| Total risk-based capital ratio | 14.0708% | 4,189 |
| Memoranda: | ||
| Average total assets | $543,810,670 | 1,302 |
| Average earning assets | $502,449,670 | 1,282 |
| Average equity | $56,827,000 | 1,185 |
| Average total loans | $421,966,330 | 1,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6009% | 36 |
| Cost of funding earning assets | 2.0554% | 3,840 |
| Net interest margin | 8.5455% | 38 |
| Noninterest income to average assets | 6.3760% | 108 |
| Noninterest expense to average assets | 6.4465% | 244 |
| Loan and lease loss provision to assets | 6.1448% | 121 |
| Net operating income to assets | 1.4705% | 997 |
| Return on assets (ROA) | 1.4705% | 1,072 |
| Pretax return on assets | 1.6716% | 1,237 |
| Return on Equity (ROE) | 14.2027% | 1,129 |
| Retained earnings to average equity (ytd only) | 14.2027% | 500 |
| Net charge-offs to loans | 11.6756% | 45 |
| Credit loss provision to net charge-offs | 66.8744% | 4,402 |
| Earnings coverage of net charge-offs (x) | 0.8507% | 4,343 |
| Efficiency ratio | 45.1410% | 7,883 |
| Assets per employee ($millions) | 2.9933% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1753% | 414 |
| Loan loss allowance to noncurrent loans | 166.8582% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 3,554 |
| Noncurrent loans to loans | 1.9030% | 3,407 |
| Net loans and leases to total assets | 73.9509% | 2,773 |
| Net loans and leases to deposits | 92.9342% | 2,446 |
| Net loans and leases to core deposits | 107.9504% | 3,688 |
| Total domestic deposits to total assets | 79.5734% | 5,516 |
| Equity capital to assets | 10.4478% | 3,511 |
| Core capital (leverage) ratio | 10.0080% | 3,404 |
| Tier 1 risk-based capital ratio | 12.3365% | 4,670 |
| Total risk-based capital ratio | 13.6116% | 4,575 |
| Memoranda: | ||
| Average total assets | $544,852,000 | 1,305 |
| Average earning assets | $502,861,500 | 1,286 |
| Average equity | $56,412,000 | 1,200 |
| Average total loans | $428,793,500 | 1,178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8660% | 24 |
| Cost of funding earning assets | 2.6881% | 3,217 |
| Net interest margin | 11.1779% | 24 |
| Noninterest income to average assets | 7.8819% | 89 |
| Noninterest expense to average assets | 7.9657% | 222 |
| Loan and lease loss provision to assets | 8.6465% | 15 |
| Net operating income to assets | 1.1250% | 2,049 |
| Return on assets (ROA) | 1.2562% | 1,558 |
| Pretax return on assets | 1.7699% | 999 |
| Return on Equity (ROE) | 12.3870% | 1,487 |
| Retained earnings to average equity (ytd only) | 7.6191% | 957 |
| Net charge-offs to loans | 10.3792% | 12 |
| Credit loss provision to net charge-offs | 104.2271% | 5,128 |
| Earnings coverage of net charge-offs (x) | 1.2333% | 5,512 |
| Efficiency ratio | 43.7445% | 8,023 |
| Assets per employee ($millions) | 2.9612% | 6,148 |
| Cash dividends to net income (ytd only)* | 38.4910% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0059% | 185 |
| Loan loss allowance to noncurrent loans | 992.2336% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 5,852 |
| Noncurrent loans to loans | 0.4037% | 6,136 |
| Net loans and leases to total assets | 77.8254% | 2,192 |
| Net loans and leases to deposits | 98.0542% | 2,120 |
| Net loans and leases to core deposits | 113.2967% | 3,417 |
| Total domestic deposits to total assets | 79.3697% | 5,246 |
| Equity capital to assets | 10.2574% | 3,752 |
| Core capital (leverage) ratio | 9.8008% | 3,641 |
| Tier 1 risk-based capital ratio | 11.8212% | 4,966 |
| Total risk-based capital ratio | 13.1081% | 4,836 |
| Memoranda: | ||
| Average total assets | $520,140,000 | 1,295 |
| Average earning assets | $480,009,600 | 1,287 |
| Average equity | $52,749,000 | 1,278 |
| Average total loans | $415,736,800 | 1,156 |