Home > Deerwood Bank > Performance and Condition Ratios
Deerwood 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 | 4.7629% | 2,551 |
| Cost of funding earning assets | 1.0430% | 3,203 |
| Net interest margin | 3.7199% | 1,718 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.5284% | 2,223 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1707% | 1,721 |
| Return on assets (ROA) | 1.1707% | 1,692 |
| Pretax return on assets | 1.2716% | 1,952 |
| Return on Equity (ROE) | 12.9000% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.8214% | 1,949 |
| Net charge-offs to loans | 0.1511% | 682 |
| Credit loss provision to net charge-offs | 94.5405% | 1,906 |
| Earnings coverage of net charge-offs (x) | 13.2948% | 2,114 |
| Efficiency ratio | 62.9907% | 2,725 |
| Assets per employee ($millions) | 6.2702% | 2,577 |
| Cash dividends to net income (ytd only)* | 47.1154% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 4,135 |
| Loan loss allowance to noncurrent loans | 294.2714% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 2,334 |
| Noncurrent loans to loans | 0.2361% | 2,364 |
| Net loans and leases to total assets | 71.3800% | 1,652 |
| Net loans and leases to deposits | 87.3018% | 1,504 |
| Net loans and leases to core deposits | 89.5939% | 2,079 |
| Total domestic deposits to total assets | 81.7600% | 3,167 |
| Equity capital to assets | 9.6658% | 2,229 |
| Core capital (leverage) ratio | 9.7028% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3806% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,057,184,400 | 936 |
| Average earning assets | $988,102,000 | 915 |
| Average equity | $95,947,600 | 976 |
| Average total loans | $727,270,200 | 924 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 2,589 |
| Cost of funding earning assets | 0.9170% | 3,229 |
| Net interest margin | 3.7235% | 1,731 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4412% | 2,403 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2239% | 1,723 |
| Return on assets (ROA) | 1.2239% | 1,719 |
| Pretax return on assets | 1.3091% | 2,012 |
| Return on Equity (ROE) | 13.7100% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.0617% | 2,260 |
| Net charge-offs to loans | 0.1566% | 539 |
| Credit loss provision to net charge-offs | 85.9005% | 1,726 |
| Earnings coverage of net charge-offs (x) | 13.2773% | 2,042 |
| Efficiency ratio | 61.6281% | 2,764 |
| Assets per employee ($millions) | 6.2903% | 2,500 |
| Cash dividends to net income (ytd only)* | 48.4895% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 4,161 |
| Loan loss allowance to noncurrent loans | 378.3080% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,634 |
| Noncurrent loans to loans | 0.1818% | 2,634 |
| Net loans and leases to total assets | 70.6500% | 1,749 |
| Net loans and leases to deposits | 82.6720% | 1,856 |
| Net loans and leases to core deposits | 84.3807% | 2,305 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 9.0243% | 2,400 |
| Core capital (leverage) ratio | 9.4449% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2649% | 2,180 |
| Memoranda: | ||
| Average total assets | $1,056,563,750 | 934 |
| Average earning assets | $985,317,500 | 921 |
| Average equity | $94,328,250 | 984 |
| Average total loans | $718,675,500 | 931 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 2,636 |
| Cost of funding earning assets | 0.8344% | 3,115 |
| Net interest margin | 3.6693% | 1,881 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5284% | 2,119 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1137% | 2,086 |
| Return on assets (ROA) | 1.1137% | 2,074 |
| Pretax return on assets | 1.1702% | 2,442 |
| Return on Equity (ROE) | 12.5200% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.4634% | 2,141 |
| Net charge-offs to loans | 0.1641% | 480 |
| Credit loss provision to net charge-offs | 66.7820% | 1,604 |
| Earnings coverage of net charge-offs (x) | 11.3287% | 1,967 |
| Efficiency ratio | 65.2763% | 2,339 |
| Assets per employee ($millions) | 6.2603% | 2,495 |
| Cash dividends to net income (ytd only)* | 40.3925% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,169 |
| Loan loss allowance to noncurrent loans | 457.7640% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 2,723 |
| Noncurrent loans to loans | 0.1541% | 2,699 |
| Net loans and leases to total assets | 67.8300% | 1,972 |
| Net loans and leases to deposits | 82.0991% | 1,818 |
| Net loans and leases to core deposits | 83.6376% | 2,228 |
| Total domestic deposits to total assets | 82.6200% | 3,119 |
| Equity capital to assets | 8.8071% | 2,655 |
| Core capital (leverage) ratio | 9.4124% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6302% | 2,048 |
| Memoranda: | ||
| Average total assets | $1,052,302,333 | 926 |
| Average earning assets | $977,998,333 | 914 |
| Average equity | $93,604,000 | 987 |
| Average total loans | $704,655,000 | 935 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,719 |
| Cost of funding earning assets | 0.6337% | 3,280 |
| Net interest margin | 3.7007% | 1,896 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.7193% | 1,621 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9770% | 2,604 |
| Return on assets (ROA) | 0.9770% | 2,572 |
| Pretax return on assets | 0.9808% | 3,049 |
| Return on Equity (ROE) | 10.9300% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.9279% | 1,482 |
| Net charge-offs to loans | 0.1284% | 510 |
| Credit loss provision to net charge-offs | 72.5225% | 1,236 |
| Earnings coverage of net charge-offs (x) | 12.2703% | 1,614 |
| Efficiency ratio | 70.4971% | 1,704 |
| Assets per employee ($millions) | 6.2045% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 4,163 |
| Loan loss allowance to noncurrent loans | 540.3473% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,796 |
| Noncurrent loans to loans | 0.1402% | 2,793 |
| Net loans and leases to total assets | 66.0700% | 2,051 |
| Net loans and leases to deposits | 77.1407% | 2,024 |
| Net loans and leases to core deposits | 77.8139% | 2,400 |
| Total domestic deposits to total assets | 85.6500% | 2,690 |
| Equity capital to assets | 8.9216% | 2,577 |
| Core capital (leverage) ratio | 9.3944% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7830% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,043,197,000 | 948 |
| Average earning assets | $971,485,500 | 937 |
| Average equity | $93,265,500 | 1,005 |
| Average total loans | $691,321,500 | 964 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 2,659 |
| Cost of funding earning assets | 0.1251% | 4,254 |
| Net interest margin | 3.5237% | 1,856 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3945% | 2,439 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9929% | 2,596 |
| Return on assets (ROA) | 0.9929% | 2,543 |
| Pretax return on assets | 1.3815% | 1,818 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 11.2747% | 829 |
| Net charge-offs to loans | 0.1389% | 582 |
| Credit loss provision to net charge-offs | 19.0632% | 1,938 |
| Earnings coverage of net charge-offs (x) | 15.9521% | 1,991 |
| Efficiency ratio | 60.8303% | 2,936 |
| Assets per employee ($millions) | 5.9305% | 2,827 |
| Cash dividends to net income (ytd only)* | 1.3463% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 4,132 |
| Loan loss allowance to noncurrent loans | 404.8031% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,590 |
| Noncurrent loans to loans | 0.1855% | 2,562 |
| Net loans and leases to total assets | 65.4600% | 2,095 |
| Net loans and leases to deposits | 73.3612% | 2,302 |
| Net loans and leases to core deposits | 73.8514% | 2,578 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 8.9593% | 2,381 |
| Core capital (leverage) ratio | 8.9979% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9575% | 1,640 |
| Memoranda: | ||
| Average total assets | $1,047,318,000 | 944 |
| Average earning assets | $983,937,600 | 922 |
| Average equity | $90,991,200 | 1,024 |
| Average total loans | $661,129,200 | 953 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 2,846 |
| Cost of funding earning assets | 0.0780% | 4,433 |
| Net interest margin | 3.3469% | 2,149 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.4366% | 2,203 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8959% | 2,877 |
| Return on assets (ROA) | 0.8959% | 2,859 |
| Pretax return on assets | 1.2361% | 2,241 |
| Return on Equity (ROE) | 10.3900% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.1854% | 1,291 |
| Net charge-offs to loans | 0.1249% | 509 |
| Credit loss provision to net charge-offs | 16.2866% | 1,640 |
| Earnings coverage of net charge-offs (x) | 16.0130% | 1,825 |
| Efficiency ratio | 63.5533% | 2,616 |
| Assets per employee ($millions) | 6.0732% | 2,694 |
| Cash dividends to net income (ytd only)* | 1.9850% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 4,117 |
| Loan loss allowance to noncurrent loans | 339.6584% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,500 |
| Noncurrent loans to loans | 0.2327% | 2,458 |
| Net loans and leases to total assets | 63.4300% | 2,148 |
| Net loans and leases to deposits | 69.5488% | 2,404 |
| Net loans and leases to core deposits | 70.0354% | 2,640 |
| Total domestic deposits to total assets | 91.2000% | 1,159 |
| Equity capital to assets | 8.3077% | 2,672 |
| Core capital (leverage) ratio | 8.7272% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5708% | 1,543 |
| Memoranda: | ||
| Average total assets | $1,049,688,500 | 943 |
| Average earning assets | $987,884,750 | 923 |
| Average equity | $90,493,250 | 1,042 |
| Average total loans | $655,272,000 | 959 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 2,935 |
| Cost of funding earning assets | 0.0768% | 4,406 |
| Net interest margin | 3.1590% | 2,333 |
| Noninterest income to average assets | 0.5606% | 1,900 |
| Noninterest expense to average assets | 2.5456% | 1,789 |
| Loan and lease loss provision to assets | 0.0191% | 2,261 |
| Net operating income to assets | 0.6961% | 3,321 |
| Return on assets (ROA) | 0.6961% | 3,277 |
| Pretax return on assets | 0.9697% | 2,831 |
| Return on Equity (ROE) | 7.9758% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.6689% | 1,743 |
| Net charge-offs to loans | 0.0998% | 589 |
| Credit loss provision to net charge-offs | 30.9598% | 1,567 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,631 |
| Efficiency ratio | 68.9330% | 2,113 |
| Assets per employee ($millions) | 5.8262% | 2,895 |
| Cash dividends to net income (ytd only)* | 3.8483% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 4,084 |
| Loan loss allowance to noncurrent loans | 350.5263% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 2,582 |
| Noncurrent loans to loans | 0.2428% | 2,511 |
| Net loans and leases to total assets | 64.6844% | 1,836 |
| Net loans and leases to deposits | 71.2315% | 2,089 |
| Net loans and leases to core deposits | 71.9104% | 2,343 |
| Total domestic deposits to total assets | 90.8087% | 1,334 |
| Equity capital to assets | 8.7195% | 2,601 |
| Core capital (leverage) ratio | 8.5563% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9790% | 2,068 |
| Memoranda: | ||
| Average total assets | $1,045,314,667 | 939 |
| Average earning assets | $984,053,000 | 924 |
| Average equity | $91,226,000 | 1,035 |
| Average total loans | $647,191,000 | 962 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 3,139 |
| Cost of funding earning assets | 0.0777% | 4,378 |
| Net interest margin | 2.9613% | 2,633 |
| Noninterest income to average assets | 0.5152% | 2,068 |
| Noninterest expense to average assets | 2.7568% | 1,238 |
| Loan and lease loss provision to assets | 0.0378% | 1,679 |
| Net operating income to assets | 0.3867% | 3,983 |
| Return on assets (ROA) | 0.3867% | 3,948 |
| Pretax return on assets | 0.5156% | 3,845 |
| Return on Equity (ROE) | 4.4292% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.4292% | 2,796 |
| Net charge-offs to loans | 0.0852% | 574 |
| Credit loss provision to net charge-offs | 73.5294% | 1,126 |
| Earnings coverage of net charge-offs (x) | 10.7647% | 1,453 |
| Efficiency ratio | 79.9931% | 1,159 |
| Assets per employee ($millions) | 6.0539% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,966 |
| Loan loss allowance to noncurrent loans | 343.2512% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,640 |
| Noncurrent loans to loans | 0.2702% | 2,506 |
| Net loans and leases to total assets | 59.3029% | 2,150 |
| Net loans and leases to deposits | 64.9559% | 2,438 |
| Net loans and leases to core deposits | 65.5862% | 2,669 |
| Total domestic deposits to total assets | 91.2972% | 889 |
| Equity capital to assets | 8.4759% | 3,181 |
| Core capital (leverage) ratio | 8.0875% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1620% | 2,132 |
| Memoranda: | ||
| Average total assets | $1,058,177,500 | 934 |
| Average earning assets | $998,749,000 | 920 |
| Average equity | $92,387,500 | 1,055 |
| Average total loans | $638,198,500 | 962 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 2,704 |
| Cost of funding earning assets | 0.0922% | 4,443 |
| Net interest margin | 3.3916% | 2,057 |
| Noninterest income to average assets | 0.7576% | 1,573 |
| Noninterest expense to average assets | 2.5667% | 1,970 |
| Loan and lease loss provision to assets | 0.0745% | 1,618 |
| Net operating income to assets | 1.0339% | 2,544 |
| Return on assets (ROA) | 1.0339% | 2,614 |
| Pretax return on assets | 1.3086% | 2,330 |
| Return on Equity (ROE) | 11.3883% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.7318% | 757 |
| Net charge-offs to loans | 0.0228% | 1,796 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 92.8267% | 912 |
| Efficiency ratio | 62.0854% | 2,855 |
| Assets per employee ($millions) | 6.0397% | 2,729 |
| Cash dividends to net income (ytd only)* | 5.7648% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,038 |
| Loan loss allowance to noncurrent loans | 322.9418% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,697 |
| Noncurrent loans to loans | 0.2821% | 2,587 |
| Net loans and leases to total assets | 60.2064% | 2,139 |
| Net loans and leases to deposits | 66.2376% | 2,490 |
| Net loans and leases to core deposits | 66.8536% | 2,744 |
| Total domestic deposits to total assets | 90.8946% | 528 |
| Equity capital to assets | 8.9834% | 3,635 |
| Core capital (leverage) ratio | 8.1031% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5398% | 2,432 |
| Memoranda: | ||
| Average total assets | $1,006,706,400 | 953 |
| Average earning assets | $947,511,000 | 948 |
| Average equity | $91,392,000 | 1,086 |
| Average total loans | $658,263,000 | 925 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 2,820 |
| Cost of funding earning assets | 0.0958% | 4,530 |
| Net interest margin | 3.4109% | 2,125 |
| Noninterest income to average assets | 0.8259% | 1,454 |
| Noninterest expense to average assets | 2.5683% | 1,932 |
| Loan and lease loss provision to assets | 0.0738% | 1,569 |
| Net operating income to assets | 1.0584% | 2,696 |
| Return on assets (ROA) | 1.0584% | 2,766 |
| Pretax return on assets | 1.3876% | 2,390 |
| Return on Equity (ROE) | 11.6264% | 2,169 |
| Retained earnings to average equity (ytd only) | 11.1100% | 1,040 |
| Net charge-offs to loans | 0.0099% | 1,953 |
| Credit loss provision to net charge-offs | 1,122.4490% | 484 |
| Earnings coverage of net charge-offs (x) | 222.0612% | 523 |
| Efficiency ratio | 60.8493% | 2,851 |
| Assets per employee ($millions) | 6.0117% | 2,684 |
| Cash dividends to net income (ytd only)* | 4.4416% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,194 |
| Loan loss allowance to noncurrent loans | 135.1320% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 1,744 |
| Noncurrent loans to loans | 0.6541% | 1,676 |
| Net loans and leases to total assets | 63.1071% | 1,878 |
| Net loans and leases to deposits | 69.6230% | 2,281 |
| Net loans and leases to core deposits | 70.2759% | 2,570 |
| Total domestic deposits to total assets | 90.6412% | 487 |
| Equity capital to assets | 9.1848% | 3,663 |
| Core capital (leverage) ratio | 8.1239% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2269% | 2,637 |
| Memoranda: | ||
| Average total assets | $992,638,250 | 980 |
| Average earning assets | $932,400,000 | 975 |
| Average equity | $90,367,000 | 1,110 |
| Average total loans | $661,362,500 | 940 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2784% | 3,485 |
| Cost of funding earning assets | 0.1008% | 4,579 |
| Net interest margin | 3.1776% | 2,818 |
| Noninterest income to average assets | 0.8436% | 1,412 |
| Noninterest expense to average assets | 2.4995% | 2,144 |
| Loan and lease loss provision to assets | 0.0612% | 1,817 |
| Net operating income to assets | 0.9367% | 3,110 |
| Return on assets (ROA) | 0.9367% | 3,187 |
| Pretax return on assets | 1.2648% | 2,726 |
| Return on Equity (ROE) | 10.3217% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.5353% | 1,541 |
| Net charge-offs to loans | 0.0524% | 1,094 |
| Credit loss provision to net charge-offs | 172.4138% | 1,110 |
| Earnings coverage of net charge-offs (x) | 37.3736% | 1,196 |
| Efficiency ratio | 62.2621% | 2,692 |
| Assets per employee ($millions) | 5.7837% | 2,820 |
| Cash dividends to net income (ytd only)* | 7.6186% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 4,372 |
| Loan loss allowance to noncurrent loans | 92.6846% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 1,323 |
| Noncurrent loans to loans | 0.8558% | 1,441 |
| Net loans and leases to total assets | 67.6239% | 1,498 |
| Net loans and leases to deposits | 74.5304% | 1,948 |
| Net loans and leases to core deposits | 75.2045% | 2,310 |
| Total domestic deposits to total assets | 90.7333% | 469 |
| Equity capital to assets | 9.1101% | 3,700 |
| Core capital (leverage) ratio | 8.0030% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9519% | 2,737 |
| Memoranda: | ||
| Average total assets | $980,853,000 | 982 |
| Average earning assets | $920,455,000 | 975 |
| Average equity | $89,016,333 | 1,115 |
| Average total loans | $663,642,667 | 936 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3067% | 3,433 |
| Cost of funding earning assets | 0.1065% | 4,619 |
| Net interest margin | 3.2003% | 2,696 |
| Noninterest income to average assets | 0.7386% | 1,751 |
| Noninterest expense to average assets | 2.6843% | 1,657 |
| Loan and lease loss provision to assets | 0.0412% | 2,234 |
| Net operating income to assets | 0.7246% | 3,651 |
| Return on assets (ROA) | 0.7246% | 3,715 |
| Pretax return on assets | 1.0101% | 3,343 |
| Return on Equity (ROE) | 8.0002% | 3,317 |
| Retained earnings to average equity (ytd only) | 8.0002% | 2,234 |
| Net charge-offs to loans | -0.0006% | 3,020 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6811% | 1,849 |
| Assets per employee ($millions) | 5.9249% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,378 |
| Loan loss allowance to noncurrent loans | 135.1657% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 2,072 |
| Noncurrent loans to loans | 0.6025% | 2,066 |
| Net loans and leases to total assets | 65.1148% | 1,910 |
| Net loans and leases to deposits | 72.0766% | 2,310 |
| Net loans and leases to core deposits | 72.6982% | 2,641 |
| Total domestic deposits to total assets | 90.3411% | 647 |
| Equity capital to assets | 8.8090% | 3,871 |
| Core capital (leverage) ratio | 7.9706% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0878% | 2,257 |
| Memoranda: | ||
| Average total assets | $970,992,000 | 978 |
| Average earning assets | $909,298,000 | 970 |
| Average equity | $87,948,000 | 1,117 |
| Average total loans | $654,445,000 | 942 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,191 |
| Cost of funding earning assets | 0.1662% | 4,685 |
| Net interest margin | 4.0164% | 938 |
| Noninterest income to average assets | 1.1786% | 789 |
| Noninterest expense to average assets | 2.9344% | 1,590 |
| Loan and lease loss provision to assets | 0.3103% | 1,201 |
| Net operating income to assets | 1.2116% | 1,514 |
| Return on assets (ROA) | 1.2116% | 1,621 |
| Pretax return on assets | 1.6766% | 893 |
| Return on Equity (ROE) | 12.3911% | 1,208 |
| Retained earnings to average equity (ytd only) | 12.0664% | 307 |
| Net charge-offs to loans | 0.0267% | 2,502 |
| Credit loss provision to net charge-offs | 1,560.2410% | 533 |
| Earnings coverage of net charge-offs (x) | 99.9036% | 784 |
| Efficiency ratio | 56.8177% | 3,881 |
| Assets per employee ($millions) | 5.6310% | 2,705 |
| Cash dividends to net income (ytd only)* | 2.6204% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,392 |
| Loan loss allowance to noncurrent loans | 114.4218% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 1,912 |
| Noncurrent loans to loans | 0.7130% | 1,914 |
| Net loans and leases to total assets | 68.7203% | 1,732 |
| Net loans and leases to deposits | 76.5079% | 2,227 |
| Net loans and leases to core deposits | 77.2161% | 2,622 |
| Total domestic deposits to total assets | 89.8212% | 629 |
| Equity capital to assets | 9.3253% | 3,767 |
| Core capital (leverage) ratio | 8.0652% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7449% | 2,338 |
| Memoranda: | ||
| Average total assets | $834,690,000 | 1,021 |
| Average earning assets | $777,789,600 | 1,014 |
| Average equity | $81,615,000 | 1,135 |
| Average total loans | $621,898,800 | 949 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,469 |
| Cost of funding earning assets | 0.1845% | 4,718 |
| Net interest margin | 4.3589% | 513 |
| Noninterest income to average assets | 1.1015% | 853 |
| Noninterest expense to average assets | 2.9198% | 1,650 |
| Loan and lease loss provision to assets | 0.3936% | 910 |
| Net operating income to assets | 1.3445% | 1,249 |
| Return on assets (ROA) | 1.3445% | 1,344 |
| Pretax return on assets | 1.8468% | 718 |
| Return on Equity (ROE) | 13.5695% | 960 |
| Retained earnings to average equity (ytd only) | 13.1291% | 319 |
| Net charge-offs to loans | 0.0308% | 2,217 |
| Credit loss provision to net charge-offs | 1,683.0986% | 565 |
| Earnings coverage of net charge-offs (x) | 95.8099% | 819 |
| Efficiency ratio | 53.8231% | 4,167 |
| Assets per employee ($millions) | 5.2773% | 2,919 |
| Cash dividends to net income (ytd only)* | 3.2456% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,427 |
| Loan loss allowance to noncurrent loans | 119.7655% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,102 |
| Noncurrent loans to loans | 0.6462% | 2,174 |
| Net loans and leases to total assets | 72.1516% | 1,639 |
| Net loans and leases to deposits | 80.2715% | 2,290 |
| Net loans and leases to core deposits | 81.0028% | 2,750 |
| Total domestic deposits to total assets | 89.8845% | 464 |
| Equity capital to assets | 9.3803% | 3,786 |
| Core capital (leverage) ratio | 8.0416% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7158% | 2,318 |
| Memoranda: | ||
| Average total assets | $809,676,000 | 1,033 |
| Average earning assets | $753,908,750 | 1,023 |
| Average equity | $80,226,750 | 1,147 |
| Average total loans | $615,462,500 | 951 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,845 |
| Cost of funding earning assets | 0.2131% | 4,727 |
| Net interest margin | 3.9592% | 1,424 |
| Noninterest income to average assets | 1.0096% | 966 |
| Noninterest expense to average assets | 3.0139% | 1,540 |
| Loan and lease loss provision to assets | 0.5384% | 628 |
| Net operating income to assets | 0.8625% | 2,835 |
| Return on assets (ROA) | 0.8625% | 2,953 |
| Pretax return on assets | 1.1291% | 2,623 |
| Return on Equity (ROE) | 8.5205% | 2,549 |
| Retained earnings to average equity (ytd only) | 7.8460% | 1,355 |
| Net charge-offs to loans | 0.0630% | 1,612 |
| Credit loss provision to net charge-offs | 1,105.8201% | 739 |
| Earnings coverage of net charge-offs (x) | 34.2487% | 1,348 |
| Efficiency ratio | 61.2041% | 3,248 |
| Assets per employee ($millions) | 5.2072% | 2,925 |
| Cash dividends to net income (ytd only)* | 7.9152% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,523 |
| Loan loss allowance to noncurrent loans | 113.9268% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,119 |
| Noncurrent loans to loans | 0.6318% | 2,282 |
| Net loans and leases to total assets | 74.1847% | 1,389 |
| Net loans and leases to deposits | 82.1368% | 2,192 |
| Net loans and leases to core deposits | 82.7437% | 2,718 |
| Total domestic deposits to total assets | 90.3185% | 320 |
| Equity capital to assets | 9.0945% | 4,003 |
| Core capital (leverage) ratio | 7.9318% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6224% | 2,762 |
| Memoranda: | ||
| Average total assets | $776,347,000 | 1,050 |
| Average earning assets | $720,001,667 | 1,047 |
| Average equity | $78,587,333 | 1,160 |
| Average total loans | $599,953,333 | 960 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,957 |
| Cost of funding earning assets | 0.2902% | 4,687 |
| Net interest margin | 4.3251% | 726 |
| Noninterest income to average assets | 0.6793% | 1,732 |
| Noninterest expense to average assets | 3.1999% | 1,421 |
| Loan and lease loss provision to assets | 0.5541% | 513 |
| Net operating income to assets | 0.6200% | 3,541 |
| Return on assets (ROA) | 0.6200% | 3,597 |
| Pretax return on assets | 0.9142% | 3,100 |
| Return on Equity (ROE) | 5.7660% | 3,401 |
| Retained earnings to average equity (ytd only) | 5.7660% | 1,969 |
| Net charge-offs to loans | 0.0724% | 1,306 |
| Credit loss provision to net charge-offs | 970.8738% | 587 |
| Earnings coverage of net charge-offs (x) | 25.7282% | 1,277 |
| Efficiency ratio | 65.1276% | 3,070 |
| Assets per employee ($millions) | 4.3142% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 4,694 |
| Loan loss allowance to noncurrent loans | 228.5280% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 2,992 |
| Noncurrent loans to loans | 0.2830% | 3,477 |
| Net loans and leases to total assets | 79.6451% | 738 |
| Net loans and leases to deposits | 90.1219% | 1,497 |
| Net loans and leases to core deposits | 90.8810% | 2,265 |
| Total domestic deposits to total assets | 88.3748% | 942 |
| Equity capital to assets | 10.8287% | 3,019 |
| Core capital (leverage) ratio | 9.0423% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7406% | 3,171 |
| Memoranda: | ||
| Average total assets | $721,904,500 | 1,083 |
| Average earning assets | $665,793,500 | 1,082 |
| Average equity | $77,627,500 | 1,168 |
| Average total loans | $569,196,000 | 982 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 1,497 |
| Cost of funding earning assets | 0.3914% | 4,468 |
| Net interest margin | 4.6031% | 567 |
| Noninterest income to average assets | 0.6919% | 1,845 |
| Noninterest expense to average assets | 3.0969% | 1,769 |
| Loan and lease loss provision to assets | 0.1095% | 1,902 |
| Net operating income to assets | 1.2355% | 1,925 |
| Return on assets (ROA) | 1.2398% | 1,990 |
| Pretax return on assets | 1.7155% | 1,150 |
| Return on Equity (ROE) | 11.9092% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.8953% | 1,926 |
| Net charge-offs to loans | 0.0092% | 3,356 |
| Credit loss provision to net charge-offs | 1,560.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 259.2600% | 315 |
| Efficiency ratio | 59.6945% | 3,741 |
| Assets per employee ($millions) | 4.3843% | 3,400 |
| Cash dividends to net income (ytd only)* | 50.4982% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 4,876 |
| Loan loss allowance to noncurrent loans | 189.4040% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,009 |
| Noncurrent loans to loans | 0.2709% | 3,480 |
| Net loans and leases to total assets | 77.1211% | 1,241 |
| Net loans and leases to deposits | 87.1011% | 1,958 |
| Net loans and leases to core deposits | 87.9068% | 2,611 |
| Total domestic deposits to total assets | 88.5421% | 865 |
| Equity capital to assets | 10.6770% | 3,277 |
| Core capital (leverage) ratio | 8.7825% | 4,677 |
| Tier 1 risk-based capital ratio | 11.1884% | 4,783 |
| Total risk-based capital ratio | 11.7070% | 4,961 |
| Memoranda: | ||
| Average total assets | $712,397,600 | 1,051 |
| Average earning assets | $653,825,200 | 1,056 |
| Average equity | $74,161,400 | 1,162 |
| Average total loans | $544,746,000 | 991 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 1,428 |
| Cost of funding earning assets | 0.4064% | 4,481 |
| Net interest margin | 4.6402% | 562 |
| Noninterest income to average assets | 0.6791% | 1,870 |
| Noninterest expense to average assets | 3.0229% | 1,912 |
| Loan and lease loss provision to assets | 0.0807% | 2,295 |
| Net operating income to assets | 1.2929% | 1,888 |
| Return on assets (ROA) | 1.2985% | 1,953 |
| Pretax return on assets | 1.8390% | 999 |
| Return on Equity (ROE) | 12.5550% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.4655% | 3,164 |
| Net charge-offs to loans | -0.0076% | 4,313 |
| Credit loss provision to net charge-offs | -1,387.0968% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9612% | 3,943 |
| Assets per employee ($millions) | 4.3537% | 3,411 |
| Cash dividends to net income (ytd only)* | 64.4323% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4744% | 5,004 |
| Loan loss allowance to noncurrent loans | 158.1807% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 2,824 |
| Noncurrent loans to loans | 0.2999% | 3,466 |
| Net loans and leases to total assets | 75.2111% | 1,616 |
| Net loans and leases to deposits | 84.5538% | 2,378 |
| Net loans and leases to core deposits | 85.2867% | 2,967 |
| Total domestic deposits to total assets | 88.9506% | 624 |
| Equity capital to assets | 10.3660% | 3,663 |
| Core capital (leverage) ratio | 8.5826% | 4,901 |
| Tier 1 risk-based capital ratio | 10.9337% | 4,945 |
| Total risk-based capital ratio | 11.4113% | 5,088 |
| Memoranda: | ||
| Average total assets | $710,741,750 | 1,058 |
| Average earning assets | $651,931,750 | 1,060 |
| Average equity | $73,509,250 | 1,168 |
| Average total loans | $541,588,250 | 996 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 1,393 |
| Cost of funding earning assets | 0.4066% | 4,483 |
| Net interest margin | 4.6254% | 586 |
| Noninterest income to average assets | 0.6424% | 1,962 |
| Noninterest expense to average assets | 2.9999% | 2,007 |
| Loan and lease loss provision to assets | 0.1217% | 1,539 |
| Net operating income to assets | 1.2355% | 2,025 |
| Return on assets (ROA) | 1.2440% | 2,039 |
| Pretax return on assets | 1.7873% | 1,069 |
| Return on Equity (ROE) | 12.0372% | 1,565 |
| Retained earnings to average equity (ytd only) | -0.1752% | 4,708 |
| Net charge-offs to loans | -0.0137% | 4,423 |
| Credit loss provision to net charge-offs | -1,162.1622% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9121% | 4,027 |
| Assets per employee ($millions) | 4.1525% | 3,639 |
| Cash dividends to net income (ytd only)* | 101.4559% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4726% | 5,049 |
| Loan loss allowance to noncurrent loans | 144.3024% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,628 |
| Noncurrent loans to loans | 0.3275% | 3,359 |
| Net loans and leases to total assets | 78.8354% | 1,068 |
| Net loans and leases to deposits | 89.7607% | 1,766 |
| Net loans and leases to core deposits | 90.5054% | 2,554 |
| Total domestic deposits to total assets | 87.8283% | 1,184 |
| Equity capital to assets | 10.4347% | 3,580 |
| Core capital (leverage) ratio | 8.3331% | 5,045 |
| Tier 1 risk-based capital ratio | 10.4527% | 5,121 |
| Total risk-based capital ratio | 10.9329% | 5,239 |
| Memoranda: | ||
| Average total assets | $706,749,670 | 1,065 |
| Average earning assets | $650,278,330 | 1,063 |
| Average equity | $73,040,000 | 1,171 |
| Average total loans | $540,066,000 | 998 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,492 |
| Cost of funding earning assets | 0.3991% | 4,486 |
| Net interest margin | 4.5437% | 686 |
| Noninterest income to average assets | 0.6532% | 1,810 |
| Noninterest expense to average assets | 2.9964% | 2,003 |
| Loan and lease loss provision to assets | 0.0673% | 2,326 |
| Net operating income to assets | 1.3003% | 1,696 |
| Return on assets (ROA) | 1.3003% | 1,736 |
| Pretax return on assets | 1.7707% | 1,049 |
| Return on Equity (ROE) | 12.6411% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.6411% | 521 |
| Net charge-offs to loans | -0.0306% | 4,654 |
| Credit loss provision to net charge-offs | -292.6829% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6407% | 3,997 |
| Assets per employee ($millions) | 4.2950% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4263% | 5,151 |
| Loan loss allowance to noncurrent loans | 106.2123% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 2,537 |
| Noncurrent loans to loans | 0.4014% | 3,152 |
| Net loans and leases to total assets | 75.0469% | 1,632 |
| Net loans and leases to deposits | 84.0193% | 2,382 |
| Net loans and leases to core deposits | 84.5125% | 2,986 |
| Total domestic deposits to total assets | 89.3210% | 720 |
| Equity capital to assets | 10.4690% | 3,370 |
| Core capital (leverage) ratio | 8.4752% | 5,024 |
| Tier 1 risk-based capital ratio | 11.1073% | 4,926 |
| Total risk-based capital ratio | 11.5416% | 5,165 |
| Memoranda: | ||
| Average total assets | $713,393,000 | 1,061 |
| Average earning assets | $656,465,500 | 1,064 |
| Average equity | $73,379,500 | 1,160 |
| Average total loans | $535,454,000 | 1,012 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 769 |
| Cost of funding earning assets | 0.2840% | 4,643 |
| Net interest margin | 4.8662% | 344 |
| Noninterest income to average assets | 0.6732% | 1,952 |
| Noninterest expense to average assets | 3.2792% | 1,375 |
| Loan and lease loss provision to assets | 0.0282% | 3,609 |
| Net operating income to assets | 1.2392% | 2,017 |
| Return on assets (ROA) | 1.2392% | 2,008 |
| Pretax return on assets | 1.8435% | 824 |
| Return on Equity (ROE) | 11.1869% | 2,007 |
| Retained earnings to average equity (ytd only) | -0.5166% | 5,041 |
| Net charge-offs to loans | 0.0426% | 2,560 |
| Credit loss provision to net charge-offs | 85.7843% | 2,773 |
| Earnings coverage of net charge-offs (x) | 56.9118% | 1,056 |
| Efficiency ratio | 60.6178% | 3,755 |
| Assets per employee ($millions) | 4.3532% | 3,377 |
| Cash dividends to net income (ytd only)* | 104.6182% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3992% | 5,215 |
| Loan loss allowance to noncurrent loans | 82.3348% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 2,275 |
| Noncurrent loans to loans | 0.4849% | 2,821 |
| Net loans and leases to total assets | 74.4358% | 1,856 |
| Net loans and leases to deposits | 83.0679% | 2,616 |
| Net loans and leases to core deposits | 83.4820% | 3,134 |
| Total domestic deposits to total assets | 89.6084% | 621 |
| Equity capital to assets | 10.0997% | 3,573 |
| Core capital (leverage) ratio | 8.1980% | 5,174 |
| Tier 1 risk-based capital ratio | 10.4479% | 5,201 |
| Total risk-based capital ratio | 10.8455% | 5,336 |
| Memoranda: | ||
| Average total assets | $620,295,200 | 1,167 |
| Average earning assets | $570,775,400 | 1,182 |
| Average equity | $68,714,000 | 1,179 |
| Average total loans | $478,570,800 | 1,090 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 664 |
| Cost of funding earning assets | 0.2436% | 4,823 |
| Net interest margin | 4.9301% | 297 |
| Noninterest income to average assets | 0.6987% | 1,868 |
| Noninterest expense to average assets | 3.2030% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3436% | 1,688 |
| Return on assets (ROA) | 1.3436% | 1,701 |
| Pretax return on assets | 2.0349% | 572 |
| Return on Equity (ROE) | 11.8170% | 1,871 |
| Retained earnings to average equity (ytd only) | 1.9115% | 4,608 |
| Net charge-offs to loans | 0.0164% | 2,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 159.8205% | 514 |
| Efficiency ratio | 58.3095% | 4,071 |
| Assets per employee ($millions) | 4.0947% | 3,739 |
| Cash dividends to net income (ytd only)* | 83.8238% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3890% | 5,294 |
| Loan loss allowance to noncurrent loans | 72.2834% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,235 |
| Noncurrent loans to loans | 0.5382% | 2,771 |
| Net loans and leases to total assets | 78.2376% | 1,307 |
| Net loans and leases to deposits | 87.7567% | 2,180 |
| Net loans and leases to core deposits | 88.3214% | 2,817 |
| Total domestic deposits to total assets | 89.1528% | 795 |
| Equity capital to assets | 10.6576% | 2,976 |
| Core capital (leverage) ratio | 8.4728% | 5,108 |
| Tier 1 risk-based capital ratio | 10.4533% | 5,252 |
| Total risk-based capital ratio | 10.8389% | 5,408 |
| Memoranda: | ||
| Average total assets | $596,889,000 | 1,205 |
| Average earning assets | $549,565,750 | 1,219 |
| Average equity | $67,866,500 | 1,189 |
| Average total loans | $464,828,000 | 1,119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 825 |
| Cost of funding earning assets | 0.1935% | 5,058 |
| Net interest margin | 4.8048% | 362 |
| Noninterest income to average assets | 0.7191% | 1,797 |
| Noninterest expense to average assets | 3.1867% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2762% | 1,874 |
| Return on assets (ROA) | 1.2762% | 1,877 |
| Pretax return on assets | 1.9674% | 650 |
| Return on Equity (ROE) | 10.9484% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.8212% | 704 |
| Net charge-offs to loans | 0.0282% | 2,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 89.8871% | 749 |
| Efficiency ratio | 59.5548% | 4,000 |
| Assets per employee ($millions) | 4.2159% | 3,554 |
| Cash dividends to net income (ytd only)* | 1.1618% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 5,360 |
| Loan loss allowance to noncurrent loans | 106.3959% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,570 |
| Noncurrent loans to loans | 0.3657% | 3,383 |
| Net loans and leases to total assets | 76.6702% | 1,539 |
| Net loans and leases to deposits | 87.6272% | 2,156 |
| Net loans and leases to core deposits | 88.5730% | 2,673 |
| Total domestic deposits to total assets | 87.4959% | 1,648 |
| Equity capital to assets | 10.8559% | 2,777 |
| Core capital (leverage) ratio | 8.7986% | 4,886 |
| Tier 1 risk-based capital ratio | 10.9465% | 5,082 |
| Total risk-based capital ratio | 11.3352% | 5,342 |
| Memoranda: | ||
| Average total assets | $566,535,330 | 1,263 |
| Average earning assets | $522,937,670 | 1,267 |
| Average equity | $66,037,000 | 1,218 |
| Average total loans | $439,503,000 | 1,167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,312 |
| Cost of funding earning assets | 0.1649% | 5,189 |
| Net interest margin | 4.5332% | 579 |
| Noninterest income to average assets | 0.8098% | 1,423 |
| Noninterest expense to average assets | 3.3656% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8754% | 3,388 |
| Return on assets (ROA) | 0.8754% | 3,405 |
| Pretax return on assets | 1.6676% | 1,199 |
| Return on Equity (ROE) | 7.1657% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.8906% | 2,329 |
| Net charge-offs to loans | -0.0010% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0238% | 3,313 |
| Assets per employee ($millions) | 3.8994% | 4,153 |
| Cash dividends to net income (ytd only)* | 3.8391% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 5,260 |
| Loan loss allowance to noncurrent loans | 646.4072% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,396 |
| Noncurrent loans to loans | 0.0852% | 4,604 |
| Net loans and leases to total assets | 78.6929% | 1,128 |
| Net loans and leases to deposits | 92.3045% | 1,418 |
| Net loans and leases to core deposits | 93.6253% | 2,169 |
| Total domestic deposits to total assets | 85.2536% | 2,836 |
| Equity capital to assets | 12.4246% | 1,531 |
| Core capital (leverage) ratio | 11.7939% | 1,782 |
| Tier 1 risk-based capital ratio | 14.3571% | 3,194 |
| Total risk-based capital ratio | 14.8953% | 3,481 |
| Memoranda: | ||
| Average total assets | $499,882,000 | 1,426 |
| Average earning assets | $465,723,000 | 1,417 |
| Average equity | $61,068,500 | 1,310 |
| Average total loans | $389,921,500 | 1,283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,943 |
| Cost of funding earning assets | 0.1235% | 5,394 |
| Net interest margin | 4.3048% | 953 |
| Noninterest income to average assets | 0.7702% | 1,694 |
| Noninterest expense to average assets | 3.1087% | 1,835 |
| Loan and lease loss provision to assets | 0.0769% | 2,662 |
| Net operating income to assets | 1.5849% | 673 |
| Return on assets (ROA) | 1.5455% | 743 |
| Pretax return on assets | 1.5476% | 1,458 |
| Return on Equity (ROE) | 12.8004% | 996 |
| Retained earnings to average equity (ytd only) | 6.4571% | 1,297 |
| Net charge-offs to loans | 0.0209% | 3,406 |
| Credit loss provision to net charge-offs | 480.7692% | 648 |
| Earnings coverage of net charge-offs (x) | 104.0256% | 634 |
| Efficiency ratio | 63.0446% | 3,770 |
| Assets per employee ($millions) | 4.0043% | 3,950 |
| Cash dividends to net income (ytd only)* | 49.5555% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 5,317 |
| Loan loss allowance to noncurrent loans | 501.8605% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 3,934 |
| Noncurrent loans to loans | 0.1108% | 4,488 |
| Net loans and leases to total assets | 76.4696% | 1,513 |
| Net loans and leases to deposits | 89.1223% | 1,879 |
| Net loans and leases to core deposits | 90.6030% | 2,503 |
| Total domestic deposits to total assets | 85.8030% | 2,532 |
| Equity capital to assets | 12.0124% | 1,829 |
| Core capital (leverage) ratio | 11.3679% | 2,043 |
| Tier 1 risk-based capital ratio | 13.9888% | 3,366 |
| Total risk-based capital ratio | 14.5238% | 3,674 |
| Memoranda: | ||
| Average total assets | $487,664,800 | 1,438 |
| Average earning assets | $453,402,400 | 1,430 |
| Average equity | $58,881,200 | 1,330 |
| Average total loans | $372,647,600 | 1,306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,060 |
| Cost of funding earning assets | 0.1195% | 5,480 |
| Net interest margin | 4.2446% | 1,061 |
| Noninterest income to average assets | 0.8152% | 1,533 |
| Noninterest expense to average assets | 3.0745% | 1,881 |
| Loan and lease loss provision to assets | 0.0896% | 2,283 |
| Net operating income to assets | 1.5974% | 723 |
| Return on assets (ROA) | 1.5999% | 734 |
| Pretax return on assets | 1.6021% | 1,414 |
| Return on Equity (ROE) | 13.2327% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.5642% | 1,406 |
| Net charge-offs to loans | 0.0174% | 3,157 |
| Credit loss provision to net charge-offs | 677.0833% | 491 |
| Earnings coverage of net charge-offs (x) | 127.6009% | 603 |
| Efficiency ratio | 62.4327% | 3,816 |
| Assets per employee ($millions) | 3.8810% | 4,188 |
| Cash dividends to net income (ytd only)* | 42.8375% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 5,398 |
| Loan loss allowance to noncurrent loans | 403.3962% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,015 |
| Noncurrent loans to loans | 0.1378% | 4,501 |
| Net loans and leases to total assets | 76.4109% | 1,514 |
| Net loans and leases to deposits | 89.0330% | 1,921 |
| Net loans and leases to core deposits | 90.4695% | 2,567 |
| Total domestic deposits to total assets | 85.8232% | 2,383 |
| Equity capital to assets | 12.0147% | 1,959 |
| Core capital (leverage) ratio | 11.4727% | 2,037 |
| Tier 1 risk-based capital ratio | 14.0675% | 3,409 |
| Total risk-based capital ratio | 14.6061% | 3,701 |
| Memoranda: | ||
| Average total assets | $483,445,000 | 1,459 |
| Average earning assets | $449,717,000 | 1,447 |
| Average equity | $58,449,500 | 1,351 |
| Average total loans | $368,814,250 | 1,331 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,354 |
| Cost of funding earning assets | 0.1099% | 5,558 |
| Net interest margin | 4.1209% | 1,268 |
| Noninterest income to average assets | 0.7934% | 1,594 |
| Noninterest expense to average assets | 3.0969% | 1,846 |
| Loan and lease loss provision to assets | 0.1256% | 1,652 |
| Net operating income to assets | 1.3971% | 1,079 |
| Return on assets (ROA) | 1.3971% | 1,102 |
| Pretax return on assets | 1.3996% | 2,023 |
| Return on Equity (ROE) | 11.5304% | 1,455 |
| Retained earnings to average equity (ytd only) | 6.1228% | 2,047 |
| Net charge-offs to loans | 0.0259% | 2,697 |
| Credit loss provision to net charge-offs | 638.2979% | 537 |
| Earnings coverage of net charge-offs (x) | 77.5106% | 789 |
| Efficiency ratio | 64.7736% | 3,543 |
| Assets per employee ($millions) | 3.7504% | 4,355 |
| Cash dividends to net income (ytd only)* | 46.8984% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 5,422 |
| Loan loss allowance to noncurrent loans | 236.3128% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,723 |
| Noncurrent loans to loans | 0.2418% | 4,166 |
| Net loans and leases to total assets | 76.0648% | 1,542 |
| Net loans and leases to deposits | 89.0905% | 1,853 |
| Net loans and leases to core deposits | 90.4741% | 2,479 |
| Total domestic deposits to total assets | 85.3793% | 2,659 |
| Equity capital to assets | 12.1278% | 1,845 |
| Core capital (leverage) ratio | 11.6671% | 1,856 |
| Tier 1 risk-based capital ratio | 14.5124% | 3,161 |
| Total risk-based capital ratio | 15.0787% | 3,440 |
| Memoranda: | ||
| Average total assets | $477,708,330 | 1,473 |
| Average earning assets | $443,840,000 | 1,468 |
| Average equity | $57,882,000 | 1,365 |
| Average total loans | $363,521,330 | 1,343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,691 |
| Cost of funding earning assets | 0.1049% | 5,634 |
| Net interest margin | 3.9842% | 1,511 |
| Noninterest income to average assets | 0.7138% | 1,903 |
| Noninterest expense to average assets | 3.1610% | 1,716 |
| Loan and lease loss provision to assets | 0.1264% | 1,527 |
| Net operating income to assets | 1.1377% | 1,720 |
| Return on assets (ROA) | 1.1377% | 1,755 |
| Pretax return on assets | 1.1402% | 2,822 |
| Return on Equity (ROE) | 9.3937% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.1501% | 1,031 |
| Net charge-offs to loans | -0.1088% | 5,473 |
| Credit loss provision to net charge-offs | -153.0612% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0522% | 3,035 |
| Assets per employee ($millions) | 3.7139% | 4,481 |
| Cash dividends to net income (ytd only)* | 2.5926% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,501 |
| Loan loss allowance to noncurrent loans | 247.3623% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 4,073 |
| Noncurrent loans to loans | 0.2372% | 4,262 |
| Net loans and leases to total assets | 75.7820% | 1,446 |
| Net loans and leases to deposits | 86.9895% | 1,914 |
| Net loans and leases to core deposits | 88.3731% | 2,510 |
| Total domestic deposits to total assets | 87.1162% | 2,151 |
| Equity capital to assets | 12.3370% | 1,639 |
| Core capital (leverage) ratio | 11.5819% | 1,892 |
| Tier 1 risk-based capital ratio | 14.3022% | 3,316 |
| Total risk-based capital ratio | 14.8648% | 3,621 |
| Memoranda: | ||
| Average total assets | $474,659,500 | 1,491 |
| Average earning assets | $442,444,500 | 1,479 |
| Average equity | $57,485,500 | 1,370 |
| Average total loans | $360,221,500 | 1,361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 1,708 |
| Cost of funding earning assets | 0.1538% | 5,401 |
| Net interest margin | 4.2869% | 949 |
| Noninterest income to average assets | 1.8074% | 393 |
| Noninterest expense to average assets | 3.6298% | 973 |
| Loan and lease loss provision to assets | 0.0081% | 4,205 |
| Net operating income to assets | 2.1177% | 257 |
| Return on assets (ROA) | 2.2067% | 234 |
| Pretax return on assets | 2.2097% | 320 |
| Return on Equity (ROE) | 19.2451% | 255 |
| Retained earnings to average equity (ytd only) | 3.9830% | 3,083 |
| Net charge-offs to loans | -0.1429% | 5,671 |
| Credit loss provision to net charge-offs | -7.7519% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3327% | 4,365 |
| Assets per employee ($millions) | 3.6186% | 4,582 |
| Cash dividends to net income (ytd only)* | 79.3037% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5157% | 5,643 |
| Loan loss allowance to noncurrent loans | 67.0389% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 2,665 |
| Noncurrent loans to loans | 0.7692% | 2,609 |
| Net loans and leases to total assets | 75.1663% | 1,664 |
| Net loans and leases to deposits | 85.9988% | 2,172 |
| Net loans and leases to core deposits | 87.3334% | 2,746 |
| Total domestic deposits to total assets | 87.4040% | 1,930 |
| Equity capital to assets | 11.8876% | 1,889 |
| Core capital (leverage) ratio | 11.0149% | 2,323 |
| Tier 1 risk-based capital ratio | 13.9819% | 3,474 |
| Total risk-based capital ratio | 14.4753% | 3,852 |
| Memoranda: | ||
| Average total assets | $494,632,400 | 1,391 |
| Average earning assets | $455,898,400 | 1,404 |
| Average equity | $56,715,800 | 1,360 |
| Average total loans | $361,052,200 | 1,303 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 1,545 |
| Cost of funding earning assets | 0.1605% | 5,410 |
| Net interest margin | 4.3385% | 865 |
| Noninterest income to average assets | 1.1289% | 902 |
| Noninterest expense to average assets | 3.6644% | 902 |
| Loan and lease loss provision to assets | 0.0374% | 3,496 |
| Net operating income to assets | 1.4125% | 1,047 |
| Return on assets (ROA) | 1.5301% | 874 |
| Pretax return on assets | 1.5335% | 1,596 |
| Return on Equity (ROE) | 13.4624% | 930 |
| Retained earnings to average equity (ytd only) | 10.2738% | 520 |
| Net charge-offs to loans | 0.0155% | 3,423 |
| Credit loss provision to net charge-offs | 333.3333% | 956 |
| Earnings coverage of net charge-offs (x) | 129.4730% | 529 |
| Efficiency ratio | 69.7060% | 2,937 |
| Assets per employee ($millions) | 3.7708% | 4,359 |
| Cash dividends to net income (ytd only)* | 23.6855% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3842% | 5,806 |
| Loan loss allowance to noncurrent loans | 49.3666% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,805 |
| Noncurrent loans to loans | 0.7782% | 2,729 |
| Net loans and leases to total assets | 71.9990% | 2,195 |
| Net loans and leases to deposits | 83.4775% | 2,546 |
| Net loans and leases to core deposits | 84.6811% | 3,064 |
| Total domestic deposits to total assets | 86.2496% | 2,238 |
| Equity capital to assets | 11.7086% | 2,342 |
| Core capital (leverage) ratio | 11.0145% | 2,436 |
| Tier 1 risk-based capital ratio | 13.8985% | 3,613 |
| Total risk-based capital ratio | 14.2569% | 4,071 |
| Memoranda: | ||
| Average total assets | $498,878,000 | 1,383 |
| Average earning assets | $458,670,500 | 1,395 |
| Average equity | $56,699,500 | 1,364 |
| Average total loans | $361,092,000 | 1,300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 1,949 |
| Cost of funding earning assets | 0.1660% | 5,449 |
| Net interest margin | 4.1938% | 1,132 |
| Noninterest income to average assets | 1.3033% | 674 |
| Noninterest expense to average assets | 3.8225% | 750 |
| Loan and lease loss provision to assets | 0.0161% | 3,788 |
| Net operating income to assets | 1.3049% | 1,256 |
| Return on assets (ROA) | 1.4821% | 970 |
| Pretax return on assets | 1.4861% | 1,720 |
| Return on Equity (ROE) | 13.1750% | 989 |
| Retained earnings to average equity (ytd only) | 8.4326% | 1,033 |
| Net charge-offs to loans | 0.0250% | 2,981 |
| Credit loss provision to net charge-offs | 88.8889% | 2,257 |
| Earnings coverage of net charge-offs (x) | 73.1333% | 748 |
| Efficiency ratio | 72.2800% | 2,609 |
| Assets per employee ($millions) | 3.3274% | 5,020 |
| Cash dividends to net income (ytd only)* | 35.9957% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 5,911 |
| Loan loss allowance to noncurrent loans | 29.3400% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 1,866 |
| Noncurrent loans to loans | 1.2164% | 1,889 |
| Net loans and leases to total assets | 77.2416% | 1,300 |
| Net loans and leases to deposits | 89.5743% | 1,802 |
| Net loans and leases to core deposits | 90.9241% | 2,444 |
| Total domestic deposits to total assets | 86.2319% | 2,310 |
| Equity capital to assets | 12.1797% | 1,988 |
| Core capital (leverage) ratio | 10.6424% | 2,803 |
| Tier 1 risk-based capital ratio | 14.5025% | 3,316 |
| Total risk-based capital ratio | 14.8624% | 3,752 |
| Memoranda: | ||
| Average total assets | $496,742,000 | 1,394 |
| Average earning assets | $455,335,330 | 1,410 |
| Average equity | $55,878,670 | 1,383 |
| Average total loans | $359,721,330 | 1,302 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,495 |
| Cost of funding earning assets | 0.1705% | 5,463 |
| Net interest margin | 4.0242% | 1,545 |
| Noninterest income to average assets | 1.1988% | 759 |
| Noninterest expense to average assets | 4.0946% | 552 |
| Loan and lease loss provision to assets | 0.0313% | 3,247 |
| Net operating income to assets | 0.7890% | 3,303 |
| Return on assets (ROA) | 0.7890% | 3,406 |
| Pretax return on assets | 0.7890% | 4,229 |
| Return on Equity (ROE) | 7.2910% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.0810% | 1,851 |
| Net charge-offs to loans | 0.0078% | 2,856 |
| Credit loss provision to net charge-offs | 571.4286% | 549 |
| Earnings coverage of net charge-offs (x) | 149.5714% | 400 |
| Efficiency ratio | 81.0139% | 1,483 |
| Assets per employee ($millions) | 3.6842% | 4,495 |
| Cash dividends to net income (ytd only)* | 2.8798% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 5,967 |
| Loan loss allowance to noncurrent loans | 40.5086% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 2,482 |
| Noncurrent loans to loans | 0.9268% | 2,530 |
| Net loans and leases to total assets | 71.3851% | 2,133 |
| Net loans and leases to deposits | 81.8777% | 2,559 |
| Net loans and leases to core deposits | 82.9800% | 3,051 |
| Total domestic deposits to total assets | 87.1850% | 2,110 |
| Equity capital to assets | 11.2464% | 2,684 |
| Core capital (leverage) ratio | 9.4686% | 4,248 |
| Tier 1 risk-based capital ratio | 13.9784% | 3,714 |
| Total risk-based capital ratio | 14.3491% | 4,120 |
| Memoranda: | ||
| Average total assets | $510,531,000 | 1,353 |
| Average earning assets | $471,452,000 | 1,347 |
| Average equity | $55,246,500 | 1,395 |
| Average total loans | $357,738,000 | 1,300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,614 |
| Cost of funding earning assets | 0.1641% | 5,578 |
| Net interest margin | 3.7618% | 2,516 |
| Noninterest income to average assets | 4.2330% | 147 |
| Noninterest expense to average assets | 3.2614% | 1,810 |
| Loan and lease loss provision to assets | 0.0232% | 3,921 |
| Net operating income to assets | 4.3959% | 53 |
| Return on assets (ROA) | 4.3806% | 56 |
| Pretax return on assets | 4.3764% | 66 |
| Return on Equity (ROE) | 40.5043% | 25 |
| Retained earnings to average equity (ytd only) | 34.8278% | 21 |
| Net charge-offs to loans | 0.1554% | 1,823 |
| Credit loss provision to net charge-offs | 21.7865% | 3,733 |
| Earnings coverage of net charge-offs (x) | 41.4401% | 1,143 |
| Efficiency ratio | 41.4490% | 6,038 |
| Assets per employee ($millions) | 3.7424% | 4,388 |
| Cash dividends to net income (ytd only)* | 14.0147% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3631% | 6,021 |
| Loan loss allowance to noncurrent loans | 23.6018% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 1,640 |
| Noncurrent loans to loans | 1.5386% | 1,501 |
| Net loans and leases to total assets | 68.2885% | 2,658 |
| Net loans and leases to deposits | 77.4340% | 3,112 |
| Net loans and leases to core deposits | 78.4108% | 3,500 |
| Total domestic deposits to total assets | 88.1893% | 1,538 |
| Equity capital to assets | 10.4590% | 3,406 |
| Core capital (leverage) ratio | 9.1829% | 4,640 |
| Tier 1 risk-based capital ratio | 13.7411% | 3,861 |
| Total risk-based capital ratio | 14.0965% | 4,318 |
| Memoranda: | ||
| Average total assets | $430,831,600 | 1,549 |
| Average earning assets | $394,360,800 | 1,548 |
| Average equity | $46,595,000 | 1,586 |
| Average total loans | $295,343,400 | 1,482 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,099 |
| Cost of funding earning assets | 0.1548% | 5,746 |
| Net interest margin | 3.6407% | 2,991 |
| Noninterest income to average assets | 5.3655% | 119 |
| Noninterest expense to average assets | 3.0568% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 5.6259% | 41 |
| Return on assets (ROA) | 5.6043% | 41 |
| Pretax return on assets | 5.6109% | 45 |
| Return on Equity (ROE) | 51.2766% | 14 |
| Retained earnings to average equity (ytd only) | 43.4344% | 10 |
| Net charge-offs to loans | -0.0568% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1553% | 6,200 |
| Assets per employee ($millions) | 3.7945% | 4,272 |
| Cash dividends to net income (ytd only)* | 15.2939% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 6,019 |
| Loan loss allowance to noncurrent loans | 35.7774% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 1,917 |
| Noncurrent loans to loans | 1.3978% | 1,822 |
| Net loans and leases to total assets | 67.1821% | 2,827 |
| Net loans and leases to deposits | 76.0891% | 3,292 |
| Net loans and leases to core deposits | 77.0455% | 3,687 |
| Total domestic deposits to total assets | 88.2940% | 1,401 |
| Equity capital to assets | 10.1426% | 4,006 |
| Core capital (leverage) ratio | 8.5312% | 5,527 |
| Tier 1 risk-based capital ratio | 13.3361% | 4,228 |
| Total risk-based capital ratio | 13.8241% | 4,603 |
| Memoranda: | ||
| Average total assets | $407,556,250 | 1,631 |
| Average earning assets | $372,078,500 | 1,646 |
| Average equity | $44,544,250 | 1,667 |
| Average total loans | $279,406,750 | 1,565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 5,396 |
| Cost of funding earning assets | 0.1252% | 6,015 |
| Net interest margin | 3.1949% | 4,681 |
| Noninterest income to average assets | 8.8815% | 81 |
| Noninterest expense to average assets | 2.6197% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 9.1655% | 26 |
| Return on assets (ROA) | 9.1138% | 26 |
| Pretax return on assets | 9.1247% | 33 |
| Return on Equity (ROE) | 80.6105% | 8 |
| Retained earnings to average equity (ytd only) | 80.3940% | 3 |
| Net charge-offs to loans | -0.0993% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7333% | 6,322 |
| Assets per employee ($millions) | 4.0631% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.2686% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 6,097 |
| Loan loss allowance to noncurrent loans | 39.4093% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 2,186 |
| Noncurrent loans to loans | 1.2347% | 2,186 |
| Net loans and leases to total assets | 64.2832% | 3,230 |
| Net loans and leases to deposits | 72.5488% | 3,670 |
| Net loans and leases to core deposits | 73.3900% | 4,008 |
| Total domestic deposits to total assets | 88.6068% | 1,356 |
| Equity capital to assets | 9.7188% | 4,378 |
| Core capital (leverage) ratio | 16.3305% | 424 |
| Tier 1 risk-based capital ratio | 12.3836% | 4,891 |
| Total risk-based capital ratio | 12.8230% | 5,333 |
| Memoranda: | ||
| Average total assets | $367,595,670 | 1,803 |
| Average earning assets | $335,349,000 | 1,840 |
| Average equity | $41,560,330 | 1,772 |
| Average total loans | $253,834,000 | 1,719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 2,356 |
| Cost of funding earning assets | 0.1534% | 5,904 |
| Net interest margin | 4.0743% | 1,344 |
| Noninterest income to average assets | 0.9889% | 1,140 |
| Noninterest expense to average assets | 3.5299% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1597% | 1,668 |
| Return on assets (ROA) | 1.1597% | 1,775 |
| Pretax return on assets | 1.1597% | 2,837 |
| Return on Equity (ROE) | 8.9226% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.6344% | 1,327 |
| Net charge-offs to loans | -0.4568% | 6,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6102% | 2,877 |
| Assets per employee ($millions) | 3.5147% | 4,874 |
| Cash dividends to net income (ytd only)* | 3.2300% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 5,294 |
| Loan loss allowance to noncurrent loans | 98.1279% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 2,667 |
| Noncurrent loans to loans | 0.9579% | 2,866 |
| Net loans and leases to total assets | 73.4796% | 1,570 |
| Net loans and leases to deposits | 86.9889% | 1,725 |
| Net loans and leases to core deposits | 88.9698% | 2,227 |
| Total domestic deposits to total assets | 84.4701% | 3,628 |
| Equity capital to assets | 12.9714% | 1,418 |
| Core capital (leverage) ratio | 12.4459% | 1,385 |
| Tier 1 risk-based capital ratio | 16.2659% | 2,790 |
| Total risk-based capital ratio | 17.2138% | 2,877 |
| Memoranda: | ||
| Average total assets | $266,974,500 | 2,411 |
| Average earning assets | $242,495,500 | 2,451 |
| Average equity | $34,698,500 | 2,085 |
| Average total loans | $197,023,500 | 2,113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,300 |
| Cost of funding earning assets | 0.1737% | 5,952 |
| Net interest margin | 3.9330% | 2,108 |
| Noninterest income to average assets | 1.2189% | 806 |
| Noninterest expense to average assets | 3.3336% | 1,839 |
| Loan and lease loss provision to assets | 0.0406% | 3,765 |
| Net operating income to assets | 1.3701% | 1,140 |
| Return on assets (ROA) | 1.3972% | 1,119 |
| Pretax return on assets | 1.3991% | 1,889 |
| Return on Equity (ROE) | 11.4588% | 1,573 |
| Retained earnings to average equity (ytd only) | 10.3332% | 466 |
| Net charge-offs to loans | 0.1558% | 2,474 |
| Credit loss provision to net charge-offs | 36.2069% | 3,749 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 2,353 |
| Efficiency ratio | 69.0478% | 3,704 |
| Assets per employee ($millions) | 3.3331% | 5,215 |
| Cash dividends to net income (ytd only)* | 9.8229% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 5,608 |
| Loan loss allowance to noncurrent loans | 74.9324% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 2,636 |
| Noncurrent loans to loans | 1.1474% | 2,551 |
| Net loans and leases to total assets | 72.7787% | 1,795 |
| Net loans and leases to deposits | 86.2484% | 1,947 |
| Net loans and leases to core deposits | 88.2693% | 2,466 |
| Total domestic deposits to total assets | 84.3826% | 3,564 |
| Equity capital to assets | 13.0231% | 1,361 |
| Core capital (leverage) ratio | 12.0402% | 1,596 |
| Tier 1 risk-based capital ratio | 16.0371% | 2,944 |
| Total risk-based capital ratio | 16.8878% | 3,092 |
| Memoranda: | ||
| Average total assets | $258,668,200 | 2,445 |
| Average earning assets | $231,983,800 | 2,500 |
| Average equity | $31,539,000 | 2,191 |
| Average total loans | $186,115,200 | 2,155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,461 |
| Cost of funding earning assets | 0.1771% | 6,015 |
| Net interest margin | 3.9015% | 2,240 |
| Noninterest income to average assets | 1.1961% | 838 |
| Noninterest expense to average assets | 3.2666% | 1,977 |
| Loan and lease loss provision to assets | 0.0544% | 3,286 |
| Net operating income to assets | 1.3638% | 1,216 |
| Return on assets (ROA) | 1.4001% | 1,175 |
| Pretax return on assets | 1.4021% | 1,999 |
| Return on Equity (ROE) | 11.6861% | 1,564 |
| Retained earnings to average equity (ytd only) | 10.2599% | 645 |
| Net charge-offs to loans | 0.2119% | 1,770 |
| Credit loss provision to net charge-offs | 35.8362% | 3,355 |
| Earnings coverage of net charge-offs (x) | 9.3617% | 2,682 |
| Efficiency ratio | 68.4490% | 3,772 |
| Assets per employee ($millions) | 3.5231% | 4,823 |
| Cash dividends to net income (ytd only)* | 12.2042% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 5,662 |
| Loan loss allowance to noncurrent loans | 72.3506% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 2,480 |
| Noncurrent loans to loans | 1.2149% | 2,611 |
| Net loans and leases to total assets | 70.8041% | 2,058 |
| Net loans and leases to deposits | 83.0719% | 2,280 |
| Net loans and leases to core deposits | 85.0871% | 2,764 |
| Total domestic deposits to total assets | 85.2323% | 3,247 |
| Equity capital to assets | 12.1132% | 1,969 |
| Core capital (leverage) ratio | 11.3912% | 2,142 |
| Tier 1 risk-based capital ratio | 15.4134% | 3,364 |
| Total risk-based capital ratio | 16.2900% | 3,497 |
| Memoranda: | ||
| Average total assets | $257,506,250 | 2,473 |
| Average earning assets | $230,402,500 | 2,534 |
| Average equity | $30,850,750 | 2,238 |
| Average total loans | $184,319,000 | 2,184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,463 |
| Cost of funding earning assets | 0.1824% | 6,057 |
| Net interest margin | 3.8885% | 2,218 |
| Noninterest income to average assets | 1.3351% | 674 |
| Noninterest expense to average assets | 3.3659% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4260% | 1,009 |
| Return on assets (ROA) | 1.4808% | 937 |
| Pretax return on assets | 1.4824% | 1,591 |
| Return on Equity (ROE) | 12.4075% | 1,331 |
| Retained earnings to average equity (ytd only) | 12.4075% | 386 |
| Net charge-offs to loans | 0.1269% | 2,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.7069% | 1,832 |
| Efficiency ratio | 68.7643% | 3,868 |
| Assets per employee ($millions) | 3.3391% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 5,570 |
| Loan loss allowance to noncurrent loans | 54.4340% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 1,825 |
| Noncurrent loans to loans | 1.7439% | 1,979 |
| Net loans and leases to total assets | 72.1250% | 1,722 |
| Net loans and leases to deposits | 85.2143% | 1,898 |
| Net loans and leases to core deposits | 87.3068% | 2,383 |
| Total domestic deposits to total assets | 84.6396% | 3,666 |
| Equity capital to assets | 12.5936% | 1,585 |
| Core capital (leverage) ratio | 11.6520% | 1,883 |
| Tier 1 risk-based capital ratio | 15.5428% | 3,337 |
| Total risk-based capital ratio | 16.4816% | 3,455 |
| Memoranda: | ||
| Average total assets | $255,264,330 | 2,502 |
| Average earning assets | $227,027,000 | 2,575 |
| Average equity | $30,465,330 | 2,250 |
| Average total loans | $182,843,330 | 2,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,778 |
| Cost of funding earning assets | 0.1826% | 6,140 |
| Net interest margin | 3.7943% | 2,496 |
| Noninterest income to average assets | 0.8957% | 1,402 |
| Noninterest expense to average assets | 3.3856% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8957% | 2,677 |
| Return on assets (ROA) | 0.8957% | 2,738 |
| Pretax return on assets | 0.8972% | 3,706 |
| Return on Equity (ROE) | 7.7116% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.7116% | 1,722 |
| Net charge-offs to loans | -0.0087% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,572 |
| Assets per employee ($millions) | 3.4527% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,446 |
| Loan loss allowance to noncurrent loans | 31.5332% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 3.1170% | 890 |
| Noncurrent loans to loans | 3.2315% | 954 |
| Net loans and leases to total assets | 70.3702% | 1,822 |
| Net loans and leases to deposits | 82.5295% | 2,004 |
| Net loans and leases to core deposits | 84.4971% | 2,460 |
| Total domestic deposits to total assets | 85.2667% | 3,732 |
| Equity capital to assets | 11.8292% | 1,995 |
| Core capital (leverage) ratio | 11.0069% | 2,386 |
| Tier 1 risk-based capital ratio | 14.6917% | 3,889 |
| Total risk-based capital ratio | 15.6877% | 3,995 |
| Memoranda: | ||
| Average total assets | $257,682,000 | 2,478 |
| Average earning assets | $230,027,000 | 2,558 |
| Average equity | $29,929,000 | 2,276 |
| Average total loans | $183,088,500 | 2,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,985 |
| Cost of funding earning assets | 0.2228% | 6,156 |
| Net interest margin | 3.8066% | 2,634 |
| Noninterest income to average assets | 1.1536% | 1,060 |
| Noninterest expense to average assets | 3.6296% | 1,400 |
| Loan and lease loss provision to assets | 0.0515% | 4,106 |
| Net operating income to assets | 0.8508% | 3,028 |
| Return on assets (ROA) | 0.8508% | 3,106 |
| Pretax return on assets | 0.8527% | 3,951 |
| Return on Equity (ROE) | 7.4214% | 3,347 |
| Retained earnings to average equity (ytd only) | 0.9256% | 5,422 |
| Net charge-offs to loans | 0.2529% | 2,455 |
| Credit loss provision to net charge-offs | 30.4348% | 4,240 |
| Earnings coverage of net charge-offs (x) | 5.3432% | 3,325 |
| Efficiency ratio | 77.6051% | 2,528 |
| Assets per employee ($millions) | 3.5597% | 4,784 |
| Cash dividends to net income (ytd only)* | 87.5284% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,560 |
| Loan loss allowance to noncurrent loans | 28.1512% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 3.4087% | 875 |
| Noncurrent loans to loans | 3.5556% | 869 |
| Net loans and leases to total assets | 70.2995% | 1,965 |
| Net loans and leases to deposits | 81.9212% | 2,187 |
| Net loans and leases to core deposits | 83.8255% | 2,693 |
| Total domestic deposits to total assets | 85.8136% | 3,355 |
| Equity capital to assets | 11.4038% | 2,235 |
| Core capital (leverage) ratio | 10.6883% | 2,692 |
| Tier 1 risk-based capital ratio | 13.9827% | 4,311 |
| Total risk-based capital ratio | 14.9506% | 4,467 |
| Memoranda: | ||
| Average total assets | $258,240,400 | 2,450 |
| Average earning assets | $229,312,000 | 2,519 |
| Average equity | $29,603,600 | 2,277 |
| Average total loans | $172,767,800 | 2,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 4,034 |
| Cost of funding earning assets | 0.2316% | 6,211 |
| Net interest margin | 3.7932% | 2,661 |
| Noninterest income to average assets | 1.2400% | 957 |
| Noninterest expense to average assets | 3.5221% | 1,560 |
| Loan and lease loss provision to assets | 0.0688% | 3,683 |
| Net operating income to assets | 1.0177% | 2,304 |
| Return on assets (ROA) | 1.0177% | 2,395 |
| Pretax return on assets | 1.0197% | 3,423 |
| Return on Equity (ROE) | 8.8658% | 2,701 |
| Retained earnings to average equity (ytd only) | 0.3153% | 5,838 |
| Net charge-offs to loans | 0.2826% | 2,128 |
| Credit loss provision to net charge-offs | 36.9444% | 3,766 |
| Earnings coverage of net charge-offs (x) | 5.8472% | 3,093 |
| Efficiency ratio | 73.6990% | 3,110 |
| Assets per employee ($millions) | 3.5542% | 4,744 |
| Cash dividends to net income (ytd only)* | 96.4431% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,274 |
| Loan loss allowance to noncurrent loans | 29.3992% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 3.5412% | 954 |
| Noncurrent loans to loans | 3.7918% | 958 |
| Net loans and leases to total assets | 65.7445% | 2,680 |
| Net loans and leases to deposits | 76.6207% | 2,869 |
| Net loans and leases to core deposits | 78.4067% | 3,310 |
| Total domestic deposits to total assets | 85.8051% | 3,352 |
| Equity capital to assets | 11.3355% | 2,444 |
| Core capital (leverage) ratio | 10.4519% | 3,058 |
| Tier 1 risk-based capital ratio | 14.4435% | 4,110 |
| Total risk-based capital ratio | 15.4942% | 4,202 |
| Memoranda: | ||
| Average total assets | $257,835,250 | 2,472 |
| Average earning assets | $229,109,000 | 2,537 |
| Average equity | $29,596,000 | 2,296 |
| Average total loans | $169,827,750 | 2,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 4,091 |
| Cost of funding earning assets | 0.2363% | 6,261 |
| Net interest margin | 3.7673% | 2,686 |
| Noninterest income to average assets | 1.2328% | 1,024 |
| Noninterest expense to average assets | 3.3868% | 1,849 |
| Loan and lease loss provision to assets | 0.1034% | 3,069 |
| Net operating income to assets | 1.0999% | 1,929 |
| Return on assets (ROA) | 1.0999% | 2,044 |
| Pretax return on assets | 1.1015% | 3,090 |
| Return on Equity (ROE) | 9.5422% | 2,401 |
| Retained earnings to average equity (ytd only) | -0.9306% | 6,038 |
| Net charge-offs to loans | 0.0320% | 4,239 |
| Credit loss provision to net charge-offs | 492.5926% | 565 |
| Earnings coverage of net charge-offs (x) | 57.4074% | 726 |
| Efficiency ratio | 70.6619% | 3,700 |
| Assets per employee ($millions) | 3.4882% | 4,881 |
| Cash dividends to net income (ytd only)* | 109.7527% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,448 |
| Loan loss allowance to noncurrent loans | 33.3038% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.9292% | 896 |
| Noncurrent loans to loans | 3.9380% | 1,001 |
| Net loans and leases to total assets | 67.6533% | 2,313 |
| Net loans and leases to deposits | 79.1398% | 2,441 |
| Net loans and leases to core deposits | 81.0508% | 2,906 |
| Total domestic deposits to total assets | 85.4858% | 3,649 |
| Equity capital to assets | 11.6378% | 2,181 |
| Core capital (leverage) ratio | 10.4873% | 2,886 |
| Tier 1 risk-based capital ratio | 14.1611% | 4,314 |
| Total risk-based capital ratio | 15.3831% | 4,295 |
| Memoranda: | ||
| Average total assets | $257,294,000 | 2,485 |
| Average earning assets | $229,396,000 | 2,546 |
| Average equity | $29,657,670 | 2,300 |
| Average total loans | $168,936,000 | 2,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,475 |
| Cost of funding earning assets | 0.2450% | 6,321 |
| Net interest margin | 3.6546% | 3,059 |
| Noninterest income to average assets | 1.2152% | 1,030 |
| Noninterest expense to average assets | 3.3507% | 1,954 |
| Loan and lease loss provision to assets | 0.1444% | 2,433 |
| Net operating income to assets | 0.9725% | 2,343 |
| Return on assets (ROA) | 0.9725% | 2,471 |
| Pretax return on assets | 0.9740% | 3,466 |
| Return on Equity (ROE) | 8.4760% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.1279% | 1,700 |
| Net charge-offs to loans | 0.0215% | 3,737 |
| Credit loss provision to net charge-offs | 1,044.4444% | 303 |
| Earnings coverage of net charge-offs (x) | 80.8889% | 461 |
| Efficiency ratio | 71.8116% | 3,648 |
| Assets per employee ($millions) | 3.5676% | 4,851 |
| Cash dividends to net income (ytd only)* | 4.1074% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,594 |
| Loan loss allowance to noncurrent loans | 31.0556% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 3.8980% | 1,046 |
| Noncurrent loans to loans | 4.2507% | 1,020 |
| Net loans and leases to total assets | 64.1792% | 2,671 |
| Net loans and leases to deposits | 74.9669% | 2,778 |
| Net loans and leases to core deposits | 76.8605% | 3,221 |
| Total domestic deposits to total assets | 85.6100% | 3,730 |
| Equity capital to assets | 11.5797% | 2,348 |
| Core capital (leverage) ratio | 10.5890% | 2,665 |
| Tier 1 risk-based capital ratio | 14.1157% | 4,416 |
| Total risk-based capital ratio | 15.2924% | 4,436 |
| Memoranda: | ||
| Average total assets | $260,367,000 | 2,488 |
| Average earning assets | $231,816,000 | 2,557 |
| Average equity | $29,872,500 | 2,305 |
| Average total loans | $167,320,000 | 2,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 3,566 |
| Cost of funding earning assets | 0.3452% | 6,245 |
| Net interest margin | 4.1156% | 1,939 |
| Noninterest income to average assets | 1.5821% | 630 |
| Noninterest expense to average assets | 3.7809% | 1,290 |
| Loan and lease loss provision to assets | 0.2406% | 2,727 |
| Net operating income to assets | 1.1996% | 1,606 |
| Return on assets (ROA) | 1.2013% | 1,766 |
| Pretax return on assets | 1.2034% | 2,798 |
| Return on Equity (ROE) | 10.0671% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.6802% | 663 |
| Net charge-offs to loans | 0.1421% | 4,273 |
| Credit loss provision to net charge-offs | 250.2203% | 971 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,684 |
| Efficiency ratio | 69.4104% | 3,912 |
| Assets per employee ($millions) | 3.6661% | 4,638 |
| Cash dividends to net income (ytd only)* | 3.8434% | 4,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,627 |
| Loan loss allowance to noncurrent loans | 28.4486% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 3.8602% | 1,131 |
| Noncurrent loans to loans | 4.5753% | 924 |
| Net loans and leases to total assets | 62.6617% | 3,135 |
| Net loans and leases to deposits | 72.9836% | 3,251 |
| Net loans and leases to core deposits | 74.8189% | 3,678 |
| Total domestic deposits to total assets | 85.8573% | 3,421 |
| Equity capital to assets | 11.3667% | 2,571 |
| Core capital (leverage) ratio | 10.5446% | 2,713 |
| Tier 1 risk-based capital ratio | 14.0609% | 4,336 |
| Total risk-based capital ratio | 15.2187% | 4,369 |
| Memoranda: | ||
| Average total assets | $236,079,600 | 2,671 |
| Average earning assets | $208,865,000 | 2,751 |
| Average equity | $28,171,000 | 2,382 |
| Average total loans | $159,700,000 | 2,437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 3,234 |
| Cost of funding earning assets | 0.3644% | 6,306 |
| Net interest margin | 4.2293% | 1,645 |
| Noninterest income to average assets | 1.5291% | 634 |
| Noninterest expense to average assets | 3.8111% | 1,192 |
| Loan and lease loss provision to assets | 0.2568% | 2,518 |
| Net operating income to assets | 1.2056% | 1,716 |
| Return on assets (ROA) | 1.2080% | 1,888 |
| Pretax return on assets | 1.2103% | 2,956 |
| Return on Equity (ROE) | 9.9889% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.5958% | 1,030 |
| Net charge-offs to loans | 0.1693% | 3,758 |
| Credit loss provision to net charge-offs | 220.3980% | 1,260 |
| Earnings coverage of net charge-offs (x) | 12.5723% | 1,992 |
| Efficiency ratio | 69.2156% | 3,836 |
| Assets per employee ($millions) | 3.3795% | 5,258 |
| Cash dividends to net income (ytd only)* | 3.9347% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 5,086 |
| Loan loss allowance to noncurrent loans | 32.6544% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 3.5163% | 1,421 |
| Noncurrent loans to loans | 3.8027% | 1,388 |
| Net loans and leases to total assets | 68.0159% | 2,295 |
| Net loans and leases to deposits | 80.2733% | 2,348 |
| Net loans and leases to core deposits | 82.6332% | 2,883 |
| Total domestic deposits to total assets | 84.7304% | 3,873 |
| Equity capital to assets | 12.0463% | 2,216 |
| Core capital (leverage) ratio | 10.9655% | 2,424 |
| Tier 1 risk-based capital ratio | 13.7818% | 4,699 |
| Total risk-based capital ratio | 14.8994% | 4,739 |
| Memoranda: | ||
| Average total assets | $230,025,500 | 2,751 |
| Average earning assets | $203,779,000 | 2,833 |
| Average equity | $27,817,000 | 2,429 |
| Average total loans | $158,310,750 | 2,474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 2,972 |
| Cost of funding earning assets | 0.3830% | 6,362 |
| Net interest margin | 4.3036% | 1,468 |
| Noninterest income to average assets | 1.4176% | 716 |
| Noninterest expense to average assets | 3.8091% | 1,201 |
| Loan and lease loss provision to assets | 0.2205% | 2,872 |
| Net operating income to assets | 1.1821% | 1,779 |
| Return on assets (ROA) | 1.1768% | 1,997 |
| Pretax return on assets | 1.1794% | 3,018 |
| Return on Equity (ROE) | 9.7178% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.3390% | 1,160 |
| Net charge-offs to loans | 0.0436% | 4,768 |
| Credit loss provision to net charge-offs | 735.2941% | 431 |
| Earnings coverage of net charge-offs (x) | 46.8529% | 771 |
| Efficiency ratio | 69.9543% | 3,771 |
| Assets per employee ($millions) | 3.2119% | 5,624 |
| Cash dividends to net income (ytd only)* | 3.8981% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,006 |
| Loan loss allowance to noncurrent loans | 33.1805% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 3.5423% | 1,501 |
| Noncurrent loans to loans | 3.8459% | 1,455 |
| Net loans and leases to total assets | 68.7323% | 2,155 |
| Net loans and leases to deposits | 81.5587% | 2,168 |
| Net loans and leases to core deposits | 84.0940% | 2,679 |
| Total domestic deposits to total assets | 84.2734% | 4,204 |
| Equity capital to assets | 12.3470% | 1,914 |
| Core capital (leverage) ratio | 11.1539% | 2,160 |
| Tier 1 risk-based capital ratio | 14.0139% | 4,441 |
| Total risk-based capital ratio | 15.1730% | 4,478 |
| Memoranda: | ||
| Average total assets | $226,720,330 | 2,790 |
| Average earning assets | $200,016,670 | 2,869 |
| Average equity | $27,454,670 | 2,450 |
| Average total loans | $155,997,670 | 2,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 3,046 |
| Cost of funding earning assets | 0.4018% | 6,405 |
| Net interest margin | 4.3008% | 1,461 |
| Noninterest income to average assets | 1.2475% | 909 |
| Noninterest expense to average assets | 3.7601% | 1,279 |
| Loan and lease loss provision to assets | 0.2212% | 2,738 |
| Net operating income to assets | 1.0528% | 2,272 |
| Return on assets (ROA) | 1.0528% | 2,465 |
| Pretax return on assets | 1.0546% | 3,486 |
| Return on Equity (ROE) | 8.7812% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.3827% | 1,826 |
| Net charge-offs to loans | 0.0285% | 4,292 |
| Credit loss provision to net charge-offs | 1,136.3636% | 306 |
| Earnings coverage of net charge-offs (x) | 65.5455% | 513 |
| Efficiency ratio | 71.4336% | 3,548 |
| Assets per employee ($millions) | 3.2653% | 5,631 |
| Cash dividends to net income (ytd only)* | 4.5378% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,273 |
| Loan loss allowance to noncurrent loans | 31.9389% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.9808% | 1,390 |
| Noncurrent loans to loans | 3.9007% | 1,579 |
| Net loans and leases to total assets | 68.6852% | 1,993 |
| Net loans and leases to deposits | 81.5834% | 1,988 |
| Net loans and leases to core deposits | 84.1874% | 2,525 |
| Total domestic deposits to total assets | 84.1902% | 4,405 |
| Equity capital to assets | 12.3550% | 1,817 |
| Core capital (leverage) ratio | 10.7047% | 2,540 |
| Tier 1 risk-based capital ratio | 13.7059% | 4,673 |
| Total risk-based capital ratio | 14.8191% | 4,765 |
| Memoranda: | ||
| Average total assets | $226,057,000 | 2,817 |
| Average earning assets | $199,125,500 | 2,903 |
| Average equity | $27,103,500 | 2,467 |
| Average total loans | $154,612,500 | 2,559 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 3,187 |
| Cost of funding earning assets | 0.6180% | 5,993 |
| Net interest margin | 4.3161% | 1,650 |
| Noninterest income to average assets | 1.3723% | 680 |
| Noninterest expense to average assets | 3.8590% | 1,240 |
| Loan and lease loss provision to assets | 0.4636% | 2,291 |
| Net operating income to assets | 0.8669% | 2,750 |
| Return on assets (ROA) | 0.8367% | 3,046 |
| Pretax return on assets | 0.8388% | 3,828 |
| Return on Equity (ROE) | 7.2298% | 3,294 |
| Retained earnings to average equity (ytd only) | -0.1901% | 5,880 |
| Net charge-offs to loans | 0.9921% | 1,752 |
| Credit loss provision to net charge-offs | 66.0725% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.8992% | 4,352 |
| Efficiency ratio | 71.0749% | 3,768 |
| Assets per employee ($millions) | 3.4340% | 5,170 |
| Cash dividends to net income (ytd only)* | 102.6289% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 5,538 |
| Loan loss allowance to noncurrent loans | 37.8424% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 3.3932% | 1,746 |
| Noncurrent loans to loans | 3.0899% | 2,093 |
| Net loans and leases to total assets | 66.4927% | 2,689 |
| Net loans and leases to deposits | 78.6715% | 2,732 |
| Net loans and leases to core deposits | 80.9485% | 3,321 |
| Total domestic deposits to total assets | 84.5194% | 4,083 |
| Equity capital to assets | 11.6371% | 2,398 |
| Core capital (leverage) ratio | 10.0242% | 3,307 |
| Tier 1 risk-based capital ratio | 13.1483% | 4,959 |
| Total risk-based capital ratio | 14.1818% | 5,108 |
| Memoranda: | ||
| Average total assets | $231,873,200 | 2,703 |
| Average earning assets | $205,185,000 | 2,787 |
| Average equity | $26,833,400 | 2,409 |
| Average total loans | $163,996,200 | 2,439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 3,195 |
| Cost of funding earning assets | 0.6691% | 5,940 |
| Net interest margin | 4.3097% | 1,683 |
| Noninterest income to average assets | 1.2006% | 915 |
| Noninterest expense to average assets | 3.8273% | 1,268 |
| Loan and lease loss provision to assets | 0.2009% | 4,013 |
| Net operating income to assets | 0.9928% | 2,356 |
| Return on assets (ROA) | 0.9527% | 2,684 |
| Pretax return on assets | 0.9544% | 3,573 |
| Return on Equity (ROE) | 8.2437% | 2,941 |
| Retained earnings to average equity (ytd only) | -0.2731% | 6,028 |
| Net charge-offs to loans | 0.2181% | 4,073 |
| Credit loss provision to net charge-offs | 128.6765% | 2,476 |
| Earnings coverage of net charge-offs (x) | 7.6580% | 2,320 |
| Efficiency ratio | 72.7605% | 3,411 |
| Assets per employee ($millions) | 3.3459% | 5,372 |
| Cash dividends to net income (ytd only)* | 103.3132% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 4,001 |
| Loan loss allowance to noncurrent loans | 47.6283% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 3.2556% | 1,950 |
| Noncurrent loans to loans | 3.1932% | 2,175 |
| Net loans and leases to total assets | 68.4373% | 2,392 |
| Net loans and leases to deposits | 80.7987% | 2,556 |
| Net loans and leases to core deposits | 83.0374% | 3,186 |
| Total domestic deposits to total assets | 84.7009% | 3,910 |
| Equity capital to assets | 11.6337% | 2,554 |
| Core capital (leverage) ratio | 10.0209% | 3,414 |
| Tier 1 risk-based capital ratio | 13.0050% | 5,095 |
| Total risk-based capital ratio | 14.2459% | 5,068 |
| Memoranda: | ||
| Average total assets | $232,322,750 | 2,706 |
| Average earning assets | $206,040,500 | 2,785 |
| Average equity | $26,848,250 | 2,410 |
| Average total loans | $166,297,000 | 2,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 3,157 |
| Cost of funding earning assets | 0.7106% | 5,900 |
| Net interest margin | 4.2896% | 1,705 |
| Noninterest income to average assets | 1.2147% | 861 |
| Noninterest expense to average assets | 3.6030% | 1,733 |
| Loan and lease loss provision to assets | 0.2294% | 3,618 |
| Net operating income to assets | 1.1864% | 1,615 |
| Return on assets (ROA) | 1.1262% | 1,879 |
| Pretax return on assets | 1.1288% | 2,728 |
| Return on Equity (ROE) | 9.7672% | 2,204 |
| Retained earnings to average equity (ytd only) | -0.9611% | 6,042 |
| Net charge-offs to loans | 0.2461% | 3,646 |
| Credit loss provision to net charge-offs | 128.9855% | 2,367 |
| Earnings coverage of net charge-offs (x) | 7.9758% | 2,140 |
| Efficiency ratio | 68.1779% | 4,488 |
| Assets per employee ($millions) | 3.3672% | 5,291 |
| Cash dividends to net income (ytd only)* | 109.8398% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 4,168 |
| Loan loss allowance to noncurrent loans | 47.2033% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.2375% | 2,068 |
| Noncurrent loans to loans | 3.1600% | 2,272 |
| Net loans and leases to total assets | 68.8448% | 2,444 |
| Net loans and leases to deposits | 84.3491% | 2,055 |
| Net loans and leases to core deposits | 86.8724% | 2,777 |
| Total domestic deposits to total assets | 81.6189% | 5,309 |
| Equity capital to assets | 11.4868% | 2,514 |
| Core capital (leverage) ratio | 10.0062% | 3,254 |
| Tier 1 risk-based capital ratio | 13.3537% | 4,649 |
| Total risk-based capital ratio | 14.6054% | 4,623 |
| Memoranda: | ||
| Average total assets | $232,809,000 | 2,729 |
| Average earning assets | $206,595,000 | 2,799 |
| Average equity | $26,845,000 | 2,398 |
| Average total loans | $168,250,330 | 2,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 3,015 |
| Cost of funding earning assets | 0.7355% | 5,946 |
| Net interest margin | 4.2838% | 1,607 |
| Noninterest income to average assets | 1.0951% | 1,093 |
| Noninterest expense to average assets | 3.6748% | 1,585 |
| Loan and lease loss provision to assets | 0.3141% | 2,658 |
| Net operating income to assets | 0.9234% | 2,468 |
| Return on assets (ROA) | 0.8634% | 2,792 |
| Pretax return on assets | 0.8651% | 3,642 |
| Return on Equity (ROE) | 7.4730% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.1016% | 2,101 |
| Net charge-offs to loans | 0.5958% | 2,004 |
| Credit loss provision to net charge-offs | 71.7647% | 3,320 |
| Earnings coverage of net charge-offs (x) | 2.8314% | 2,951 |
| Efficiency ratio | 71.1142% | 4,030 |
| Assets per employee ($millions) | 3.3998% | 5,238 |
| Cash dividends to net income (ytd only)* | 4.9702% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,741 |
| Loan loss allowance to noncurrent loans | 96.6245% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.1649% | 3,110 |
| Noncurrent loans to loans | 1.4330% | 4,320 |
| Net loans and leases to total assets | 70.5509% | 2,021 |
| Net loans and leases to deposits | 86.6256% | 1,632 |
| Net loans and leases to core deposits | 88.5049% | 2,535 |
| Total domestic deposits to total assets | 81.4434% | 5,515 |
| Equity capital to assets | 11.7525% | 2,074 |
| Core capital (leverage) ratio | 10.1238% | 3,001 |
| Tier 1 risk-based capital ratio | 13.3100% | 4,568 |
| Total risk-based capital ratio | 14.5609% | 4,549 |
| Memoranda: | ||
| Average total assets | $233,045,000 | 2,747 |
| Average earning assets | $207,760,000 | 2,810 |
| Average equity | $26,923,500 | 2,383 |
| Average total loans | $171,188,500 | 2,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 2,618 |
| Cost of funding earning assets | 0.9533% | 5,916 |
| Net interest margin | 4.4583% | 1,328 |
| Noninterest income to average assets | 1.4148% | 727 |
| Noninterest expense to average assets | 3.9217% | 1,279 |
| Loan and lease loss provision to assets | 0.4264% | 3,556 |
| Net operating income to assets | 0.9970% | 2,049 |
| Return on assets (ROA) | 0.9944% | 2,165 |
| Pretax return on assets | 0.9965% | 2,939 |
| Return on Equity (ROE) | 9.1334% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.7613% | 766 |
| Net charge-offs to loans | 0.5313% | 3,498 |
| Credit loss provision to net charge-offs | 104.4932% | 4,297 |
| Earnings coverage of net charge-offs (x) | 3.4932% | 3,334 |
| Efficiency ratio | 69.8485% | 4,204 |
| Assets per employee ($millions) | 3.4545% | 5,042 |
| Cash dividends to net income (ytd only)* | 4.0738% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,827 |
| Loan loss allowance to noncurrent loans | 90.4288% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 2.5244% | 2,747 |
| Noncurrent loans to loans | 1.4758% | 4,269 |
| Net loans and leases to total assets | 74.3373% | 1,591 |
| Net loans and leases to deposits | 91.3152% | 1,351 |
| Net loans and leases to core deposits | 93.3358% | 2,340 |
| Total domestic deposits to total assets | 81.4074% | 5,383 |
| Equity capital to assets | 11.3565% | 2,370 |
| Core capital (leverage) ratio | 9.5627% | 3,619 |
| Tier 1 risk-based capital ratio | 12.3668% | 5,143 |
| Total risk-based capital ratio | 13.6173% | 5,112 |
| Memoranda: | ||
| Average total assets | $234,513,600 | 2,699 |
| Average earning assets | $206,852,200 | 2,785 |
| Average equity | $25,532,800 | 2,498 |
| Average total loans | $180,129,600 | 2,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4495% | 2,647 |
| Cost of funding earning assets | 0.9900% | 5,982 |
| Net interest margin | 4.4594% | 1,347 |
| Noninterest income to average assets | 1.2348% | 901 |
| Noninterest expense to average assets | 3.8961% | 1,209 |
| Loan and lease loss provision to assets | 0.5688% | 2,659 |
| Net operating income to assets | 0.6905% | 3,462 |
| Return on assets (ROA) | 0.6871% | 3,634 |
| Pretax return on assets | 0.6888% | 4,267 |
| Return on Equity (ROE) | 6.3796% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.9835% | 2,362 |
| Net charge-offs to loans | 0.4503% | 3,501 |
| Credit loss provision to net charge-offs | 163.6661% | 2,298 |
| Earnings coverage of net charge-offs (x) | 3.6285% | 3,364 |
| Efficiency ratio | 71.8760% | 3,722 |
| Assets per employee ($millions) | 3.4790% | 5,026 |
| Cash dividends to net income (ytd only)* | 6.2088% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,715 |
| Loan loss allowance to noncurrent loans | 150.4444% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 2,930 |
| Noncurrent loans to loans | 1.0335% | 5,179 |
| Net loans and leases to total assets | 71.4277% | 2,375 |
| Net loans and leases to deposits | 87.4231% | 2,095 |
| Net loans and leases to core deposits | 89.4182% | 3,181 |
| Total domestic deposits to total assets | 81.7035% | 5,116 |
| Equity capital to assets | 10.7261% | 3,260 |
| Core capital (leverage) ratio | 9.0726% | 4,566 |
| Tier 1 risk-based capital ratio | 11.5633% | 5,869 |
| Total risk-based capital ratio | 12.8160% | 5,853 |
| Memoranda: | ||
| Average total assets | $234,415,750 | 2,726 |
| Average earning assets | $206,180,000 | 2,832 |
| Average equity | $25,246,750 | 2,568 |
| Average total loans | $180,916,000 | 2,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 2,436 |
| Cost of funding earning assets | 1.0290% | 6,005 |
| Net interest margin | 4.4922% | 1,222 |
| Noninterest income to average assets | 1.1499% | 977 |
| Noninterest expense to average assets | 3.7198% | 1,513 |
| Loan and lease loss provision to assets | 0.4644% | 2,995 |
| Net operating income to assets | 0.9065% | 2,536 |
| Return on assets (ROA) | 0.9065% | 2,645 |
| Pretax return on assets | 0.9082% | 3,463 |
| Return on Equity (ROE) | 8.4052% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.4052% | 1,295 |
| Net charge-offs to loans | 0.3003% | 3,815 |
| Credit loss provision to net charge-offs | 196.3636% | 2,010 |
| Earnings coverage of net charge-offs (x) | 5.8036% | 2,595 |
| Efficiency ratio | 69.1775% | 4,337 |
| Assets per employee ($millions) | 3.2848% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 4,212 |
| Loan loss allowance to noncurrent loans | 91.4043% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.8141% | 2,568 |
| Noncurrent loans to loans | 1.5793% | 4,341 |
| Net loans and leases to total assets | 75.6464% | 1,558 |
| Net loans and leases to deposits | 92.9280% | 1,398 |
| Net loans and leases to core deposits | 95.1128% | 2,575 |
| Total domestic deposits to total assets | 81.4032% | 5,243 |
| Equity capital to assets | 10.9961% | 2,861 |
| Core capital (leverage) ratio | 9.2841% | 4,150 |
| Tier 1 risk-based capital ratio | 11.1417% | 6,104 |
| Total risk-based capital ratio | 12.3687% | 6,108 |
| Memoranda: | ||
| Average total assets | $232,537,330 | 2,772 |
| Average earning assets | $204,089,330 | 2,887 |
| Average equity | $25,079,670 | 2,580 |
| Average total loans | $183,164,330 | 2,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 2,301 |
| Cost of funding earning assets | 1.0643% | 6,067 |
| Net interest margin | 4.5024% | 1,137 |
| Noninterest income to average assets | 0.8700% | 1,734 |
| Noninterest expense to average assets | 3.6555% | 1,605 |
| Loan and lease loss provision to assets | 0.5168% | 2,431 |
| Net operating income to assets | 0.6546% | 3,638 |
| Return on assets (ROA) | 0.6546% | 3,753 |
| Pretax return on assets | 0.6546% | 4,393 |
| Return on Equity (ROE) | 6.1298% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.1298% | 2,562 |
| Net charge-offs to loans | 0.0194% | 5,314 |
| Credit loss provision to net charge-offs | 3,333.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 75.5556% | 413 |
| Efficiency ratio | 71.6631% | 3,985 |
| Assets per employee ($millions) | 3.2841% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 4,349 |
| Loan loss allowance to noncurrent loans | 65.9424% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 3.1149% | 2,295 |
| Noncurrent loans to loans | 2.1438% | 3,594 |
| Net loans and leases to total assets | 78.0625% | 1,146 |
| Net loans and leases to deposits | 95.5240% | 1,165 |
| Net loans and leases to core deposits | 98.2463% | 2,319 |
| Total domestic deposits to total assets | 81.7203% | 5,188 |
| Equity capital to assets | 10.7196% | 3,030 |
| Core capital (leverage) ratio | 9.0185% | 4,533 |
| Tier 1 risk-based capital ratio | 10.4805% | 6,651 |
| Total risk-based capital ratio | 11.7315% | 6,643 |
| Memoranda: | ||
| Average total assets | $232,197,000 | 2,851 |
| Average earning assets | $204,070,000 | 2,938 |
| Average equity | $24,797,000 | 2,628 |
| Average total loans | $185,244,000 | 2,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 3,458 |
| Cost of funding earning assets | 1.3915% | 5,967 |
| Net interest margin | 4.2356% | 1,955 |
| Noninterest income to average assets | 1.3756% | 779 |
| Noninterest expense to average assets | 4.4665% | 822 |
| Loan and lease loss provision to assets | 0.4702% | 4,001 |
| Net operating income to assets | 0.1307% | 5,111 |
| Return on assets (ROA) | 0.1138% | 5,224 |
| Pretax return on assets | 0.1394% | 5,141 |
| Return on Equity (ROE) | 1.0957% | 5,201 |
| Retained earnings to average equity (ytd only) | -0.0357% | 4,938 |
| Net charge-offs to loans | 1.3601% | 1,836 |
| Credit loss provision to net charge-offs | 43.0026% | 6,806 |
| Earnings coverage of net charge-offs (x) | 0.5764% | 5,528 |
| Efficiency ratio | 83.7987% | 2,373 |
| Assets per employee ($millions) | 3.1674% | 5,797 |
| Cash dividends to net income (ytd only)* | 103.2609% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,070 |
| Loan loss allowance to noncurrent loans | 63.1192% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 3.0356% | 2,301 |
| Noncurrent loans to loans | 1.9768% | 3,677 |
| Net loans and leases to total assets | 79.3779% | 1,121 |
| Net loans and leases to deposits | 96.4781% | 1,270 |
| Net loans and leases to core deposits | 104.5711% | 3,511 |
| Total domestic deposits to total assets | 82.2756% | 4,827 |
| Equity capital to assets | 10.6386% | 3,036 |
| Core capital (leverage) ratio | 8.6091% | 5,083 |
| Tier 1 risk-based capital ratio | 10.2035% | 6,679 |
| Total risk-based capital ratio | 11.3863% | 6,723 |
| Memoranda: | ||
| Average total assets | $242,448,200 | 2,690 |
| Average earning assets | $213,002,400 | 2,796 |
| Average equity | $25,189,800 | 2,591 |
| Average total loans | $194,913,800 | 2,341 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 3,571 |
| Cost of funding earning assets | 1.4588% | 6,004 |
| Net interest margin | 4.1921% | 2,091 |
| Noninterest income to average assets | 1.4673% | 691 |
| Noninterest expense to average assets | 3.9376% | 1,373 |
| Loan and lease loss provision to assets | 0.3479% | 4,244 |
| Net operating income to assets | 0.8312% | 2,693 |
| Return on assets (ROA) | 0.8051% | 2,857 |
| Pretax return on assets | 0.8383% | 3,416 |
| Return on Equity (ROE) | 7.7933% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.6882% | 1,639 |
| Net charge-offs to loans | 0.4361% | 3,497 |
| Credit loss provision to net charge-offs | 99.2248% | 5,150 |
| Earnings coverage of net charge-offs (x) | 3.4605% | 3,520 |
| Efficiency ratio | 72.6438% | 4,117 |
| Assets per employee ($millions) | 3.2237% | 5,591 |
| Cash dividends to net income (ytd only)* | 14.1794% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 1,774 |
| Loan loss allowance to noncurrent loans | 51.9842% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 4.6955% | 1,276 |
| Noncurrent loans to loans | 3.8672% | 1,917 |
| Net loans and leases to total assets | 79.2248% | 1,340 |
| Net loans and leases to deposits | 96.9346% | 1,454 |
| Net loans and leases to core deposits | 105.0904% | 3,806 |
| Total domestic deposits to total assets | 81.7301% | 4,796 |
| Equity capital to assets | 11.0031% | 2,999 |
| Core capital (leverage) ratio | 8.7398% | 5,063 |
| Tier 1 risk-based capital ratio | 10.5404% | 6,425 |
| Total risk-based capital ratio | 11.7985% | 6,377 |
| Memoranda: | ||
| Average total assets | $245,254,500 | 2,673 |
| Average earning assets | $215,513,500 | 2,778 |
| Average equity | $25,337,500 | 2,597 |
| Average total loans | $197,177,500 | 2,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 3,988 |
| Cost of funding earning assets | 1.5271% | 6,032 |
| Net interest margin | 4.0893% | 2,357 |
| Noninterest income to average assets | 1.6334% | 553 |
| Noninterest expense to average assets | 3.9829% | 1,339 |
| Loan and lease loss provision to assets | 0.2253% | 4,776 |
| Net operating income to assets | 0.9962% | 2,123 |
| Return on assets (ROA) | 0.9969% | 2,214 |
| Pretax return on assets | 1.0243% | 2,909 |
| Return on Equity (ROE) | 9.8521% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.7786% | 989 |
| Net charge-offs to loans | 0.4642% | 2,971 |
| Credit loss provision to net charge-offs | 60.4752% | 5,581 |
| Earnings coverage of net charge-offs (x) | 3.3521% | 3,466 |
| Efficiency ratio | 72.3162% | 4,342 |
| Assets per employee ($millions) | 3.1617% | 5,688 |
| Cash dividends to net income (ytd only)* | 10.8959% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,951 |
| Loan loss allowance to noncurrent loans | 60.2312% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 4.0931% | 1,429 |
| Noncurrent loans to loans | 3.0500% | 2,356 |
| Net loans and leases to total assets | 79.0210% | 1,513 |
| Net loans and leases to deposits | 95.4208% | 1,886 |
| Net loans and leases to core deposits | 103.3699% | 4,140 |
| Total domestic deposits to total assets | 82.8132% | 4,323 |
| Equity capital to assets | 10.4143% | 3,504 |
| Core capital (leverage) ratio | 8.7152% | 5,066 |
| Tier 1 risk-based capital ratio | 10.0174% | 6,900 |
| Total risk-based capital ratio | 11.2736% | 6,825 |
| Memoranda: | ||
| Average total assets | $248,561,670 | 2,650 |
| Average earning assets | $218,719,330 | 2,753 |
| Average equity | $25,152,000 | 2,624 |
| Average total loans | $199,481,000 | 2,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 4,644 |
| Cost of funding earning assets | 1.6028% | 6,022 |
| Net interest margin | 3.9460% | 2,864 |
| Noninterest income to average assets | 1.7472% | 448 |
| Noninterest expense to average assets | 3.7910% | 1,488 |
| Loan and lease loss provision to assets | 0.2885% | 3,647 |
| Net operating income to assets | 1.1301% | 1,868 |
| Return on assets (ROA) | 1.1317% | 1,982 |
| Pretax return on assets | 1.1461% | 2,814 |
| Return on Equity (ROE) | 11.3475% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.1420% | 1,156 |
| Net charge-offs to loans | 0.2501% | 3,156 |
| Credit loss provision to net charge-offs | 144.0000% | 2,858 |
| Earnings coverage of net charge-offs (x) | 7.1520% | 2,386 |
| Efficiency ratio | 68.7634% | 4,828 |
| Assets per employee ($millions) | 3.2240% | 5,538 |
| Cash dividends to net income (ytd only)* | 10.6232% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 1,534 |
| Loan loss allowance to noncurrent loans | 60.8457% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 3.9150% | 1,330 |
| Noncurrent loans to loans | 3.1935% | 2,027 |
| Net loans and leases to total assets | 77.9635% | 1,833 |
| Net loans and leases to deposits | 96.2568% | 1,907 |
| Net loans and leases to core deposits | 106.3177% | 3,867 |
| Total domestic deposits to total assets | 80.9953% | 4,972 |
| Equity capital to assets | 10.0251% | 3,979 |
| Core capital (leverage) ratio | 8.3411% | 5,830 |
| Tier 1 risk-based capital ratio | 9.7281% | 7,224 |
| Total risk-based capital ratio | 10.9858% | 7,127 |
| Memoranda: | ||
| Average total assets | $249,536,000 | 2,651 |
| Average earning assets | $219,867,000 | 2,765 |
| Average equity | $24,886,500 | 2,664 |
| Average total loans | $199,960,000 | 2,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7005% | 2,022 |
| Cost of funding earning assets | 2.0750% | 6,151 |
| Net interest margin | 4.6254% | 1,108 |
| Noninterest income to average assets | 1.1818% | 1,094 |
| Noninterest expense to average assets | 3.3713% | 2,759 |
| Loan and lease loss provision to assets | 1.2083% | 1,188 |
| Net operating income to assets | 0.6975% | 3,902 |
| Return on assets (ROA) | 0.7811% | 3,361 |
| Pretax return on assets | 0.7833% | 4,131 |
| Return on Equity (ROE) | 7.1524% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.3012% | 4,437 |
| Net charge-offs to loans | 0.7213% | 1,712 |
| Credit loss provision to net charge-offs | 204.6222% | 2,376 |
| Earnings coverage of net charge-offs (x) | 3.2311% | 4,470 |
| Efficiency ratio | 60.8895% | 6,184 |
| Assets per employee ($millions) | 3.1342% | 5,669 |
| Cash dividends to net income (ytd only)* | 81.8081% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 1,387 |
| Loan loss allowance to noncurrent loans | 90.8013% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 3.0404% | 1,512 |
| Noncurrent loans to loans | 2.1092% | 2,619 |
| Net loans and leases to total assets | 79.2200% | 1,830 |
| Net loans and leases to deposits | 96.6209% | 2,351 |
| Net loans and leases to core deposits | 106.8896% | 4,093 |
| Total domestic deposits to total assets | 81.9905% | 4,205 |
| Equity capital to assets | 9.9203% | 4,133 |
| Core capital (leverage) ratio | 8.0354% | 6,429 |
| Tier 1 risk-based capital ratio | 9.2527% | 7,570 |
| Total risk-based capital ratio | 10.5094% | 7,499 |
| Memoranda: | ||
| Average total assets | $230,829,600 | 2,756 |
| Average earning assets | $204,478,800 | 2,848 |
| Average equity | $25,208,200 | 2,627 |
| Average total loans | $188,953,800 | 2,407 |