Home > Evolve Bank & Trust > Performance and Condition Ratios
Evolve Bank & Trust, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0568% | 1,084 |
| Cost of funding earning assets | 3.7348% | 114 |
| Net interest margin | 2.3220% | 4,064 |
| Noninterest income to average assets | 6.7900% | 118 |
| Noninterest expense to average assets | 7.6377% | 135 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.9003% | 2,312 |
| Return on assets (ROA) | 0.9003% | 2,317 |
| Pretax return on assets | 1.2233% | 1,883 |
| Return on Equity (ROE) | 8.8200% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.3043% | 1,566 |
| Net charge-offs to loans | 0.0059% | 2,210 |
| Credit loss provision to net charge-offs | -600.0000% | 4,499 |
| Earnings coverage of net charge-offs (x) | 308.8387% | 373 |
| Efficiency ratio | 86.1105% | 744 |
| Assets per employee ($millions) | 3.4632% | 4,264 |
| Cash dividends to net income (ytd only)* | 17.1931% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 878 |
| Loan loss allowance to noncurrent loans | 349.4020% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 2,028 |
| Noncurrent loans to loans | 0.4557% | 1,860 |
| Net loans and leases to total assets | 60.1900% | 2,934 |
| Net loans and leases to deposits | 88.4767% | 1,443 |
| Net loans and leases to core deposits | 99.2250% | 1,529 |
| Total domestic deposits to total assets | 68.0300% | 4,278 |
| Equity capital to assets | 9.6294% | 2,317 |
| Core capital (leverage) ratio | 10.3933% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0398% | 1,260 |
| Memoranda: | ||
| Average total assets | $1,554,299,333 | 712 |
| Average earning assets | $1,388,880,667 | 719 |
| Average equity | $158,645,333 | 673 |
| Average total loans | $1,043,358,333 | 731 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0180% | 7 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 467,561.0000% | 3 |
| Cost of funding earning assets | 630.0000% | 4 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0005% | 4,503 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 0.7943% | 2,570 |
| Pretax return on assets | 1.0879% | 2,168 |
| Return on Equity (ROE) | 7.5400% | 2,815 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0075% | 2,129 |
| Efficiency ratio | 13.8594% | 4,519 |
| Assets per employee ($millions) | 0.3287% | 4,519 |
| Cash dividends to net income (ytd only)* | 4.0000% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10,033.0000% | 2 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 76.0000% | 3 |
| Noncurrent loans to loans | 0.0002% | 3,842 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 11,157.0000% | 16 |
| Total domestic deposits to total assets | 6,446.0000% | 7 |
| Equity capital to assets | 477,886.0000% | 1 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $31,982,000 | 4,431 |
| Average earning assets | $4,675 | 4,559 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0195% | 33 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 459,286.0000% | 3 |
| Cost of funding earning assets | 6,567.0000% | 3 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0018% | 4,528 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.5588% | 890 |
| Pretax return on assets | 2.0846% | 590 |
| Return on Equity (ROE) | 17.5000% | 891 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0001% | 2,916 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0170% | 2,829 |
| Efficiency ratio | 16.0620% | 4,534 |
| Assets per employee ($millions) | 0.5089% | 4,514 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12,764.0000% | 4 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 9.0000% | 8 |
| Noncurrent loans to loans | 0.0021% | 3,789 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 11,715.0000% | 13 |
| Total domestic deposits to total assets | 6,303.0000% | 8 |
| Equity capital to assets | 318,829.0000% | 4 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $119,555,000 | 3,657 |
| Average earning assets | $3,813 | 4,579 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 1,306 |
| Cost of funding earning assets | 2.8694% | 45 |
| Net interest margin | 2.0905% | 4,536 |
| Noninterest income to average assets | 6.1500% | 116 |
| Noninterest expense to average assets | 5.7157% | 193 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.5248% | 1,130 |
| Return on assets (ROA) | 1.5248% | 1,110 |
| Pretax return on assets | 2.0042% | 777 |
| Return on Equity (ROE) | 21.3100% | 638 |
| Retained earnings to average equity (ytd only) | 21.3128% | 308 |
| Net charge-offs to loans | 0.0302% | 1,105 |
| Credit loss provision to net charge-offs | 1,528.3582% | 253 |
| Earnings coverage of net charge-offs (x) | 146.3284% | 620 |
| Efficiency ratio | 71.8624% | 1,545 |
| Assets per employee ($millions) | 3.3800% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,376 |
| Loan loss allowance to noncurrent loans | 277.5579% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 1,937 |
| Noncurrent loans to loans | 0.4440% | 1,611 |
| Net loans and leases to total assets | 52.4500% | 3,319 |
| Net loans and leases to deposits | 60.3354% | 3,311 |
| Net loans and leases to core deposits | 60.5971% | 3,512 |
| Total domestic deposits to total assets | 86.9300% | 2,294 |
| Equity capital to assets | 7.8548% | 3,345 |
| Core capital (leverage) ratio | 8.0128% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0925% | 2,359 |
| Memoranda: | ||
| Average total assets | $1,752,306,000 | 641 |
| Average earning assets | $1,511,377,500 | 666 |
| Average equity | $125,370,500 | 788 |
| Average total loans | $888,208,000 | 804 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 1,943 |
| Cost of funding earning assets | 0.8797% | 273 |
| Net interest margin | 3.0386% | 3,331 |
| Noninterest income to average assets | 9.1800% | 104 |
| Noninterest expense to average assets | 8.7504% | 122 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.1610% | 226 |
| Return on assets (ROA) | 2.1610% | 218 |
| Pretax return on assets | 2.9021% | 142 |
| Return on Equity (ROE) | 28.5100% | 135 |
| Retained earnings to average equity (ytd only) | 28.5143% | 34 |
| Net charge-offs to loans | -0.0213% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3211% | 1,185 |
| Assets per employee ($millions) | 3.3726% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,695 |
| Loan loss allowance to noncurrent loans | 167.3157% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 1,536 |
| Noncurrent loans to loans | 0.6822% | 1,097 |
| Net loans and leases to total assets | 47.7100% | 3,690 |
| Net loans and leases to deposits | 54.0649% | 3,674 |
| Net loans and leases to core deposits | 54.3746% | 3,794 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 6.4502% | 3,917 |
| Core capital (leverage) ratio | 7.8629% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0693% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,181,654,000 | 866 |
| Average earning assets | $1,009,178,800 | 902 |
| Average equity | $89,555,000 | 1,037 |
| Average total loans | $651,133,000 | 964 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 1,713 |
| Cost of funding earning assets | 0.5199% | 680 |
| Net interest margin | 3.2946% | 2,312 |
| Noninterest income to average assets | 9.7900% | 103 |
| Noninterest expense to average assets | 9.7544% | 105 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.0710% | 259 |
| Return on assets (ROA) | 2.0710% | 259 |
| Pretax return on assets | 2.7959% | 160 |
| Return on Equity (ROE) | 25.7200% | 168 |
| Retained earnings to average equity (ytd only) | 25.7182% | 43 |
| Net charge-offs to loans | -0.0327% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.3929% | 962 |
| Assets per employee ($millions) | 2.5375% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,309 |
| Loan loss allowance to noncurrent loans | 125.9980% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 1,026 |
| Noncurrent loans to loans | 0.9859% | 791 |
| Net loans and leases to total assets | 52.8300% | 3,201 |
| Net loans and leases to deposits | 63.2045% | 2,929 |
| Net loans and leases to core deposits | 63.8109% | 3,136 |
| Total domestic deposits to total assets | 83.5900% | 3,586 |
| Equity capital to assets | 7.9600% | 2,919 |
| Core capital (leverage) ratio | 8.0565% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2562% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,040,314,250 | 954 |
| Average earning assets | $887,113,750 | 1,019 |
| Average equity | $83,772,500 | 1,100 |
| Average total loans | $603,138,000 | 1,037 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 1,857 |
| Cost of funding earning assets | 0.2684% | 2,047 |
| Net interest margin | 3.3277% | 1,829 |
| Noninterest income to average assets | 9.3014% | 64 |
| Noninterest expense to average assets | 10.2095% | 67 |
| Loan and lease loss provision to assets | 0.0455% | 1,762 |
| Net operating income to assets | 1.3910% | 922 |
| Return on assets (ROA) | 1.3910% | 901 |
| Pretax return on assets | 1.8610% | 510 |
| Return on Equity (ROE) | 17.1841% | 549 |
| Retained earnings to average equity (ytd only) | 17.1841% | 141 |
| Net charge-offs to loans | -0.0321% | 4,067 |
| Credit loss provision to net charge-offs | -235.8696% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2651% | 669 |
| Assets per employee ($millions) | 2.5231% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,000 |
| Loan loss allowance to noncurrent loans | 119.4599% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 1,055 |
| Noncurrent loans to loans | 1.1233% | 729 |
| Net loans and leases to total assets | 47.3082% | 3,606 |
| Net loans and leases to deposits | 54.7064% | 3,494 |
| Net loans and leases to core deposits | 56.3472% | 3,537 |
| Total domestic deposits to total assets | 86.4765% | 3,117 |
| Equity capital to assets | 6.7554% | 3,907 |
| Core capital (leverage) ratio | 8.7711% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3953% | 2,946 |
| Memoranda: | ||
| Average total assets | $954,871,000 | 1,030 |
| Average earning assets | $807,641,000 | 1,113 |
| Average equity | $77,292,333 | 1,204 |
| Average total loans | $572,967,000 | 1,057 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 700 |
| Cost of funding earning assets | 0.1695% | 3,228 |
| Net interest margin | 3.8796% | 528 |
| Noninterest income to average assets | 9.8415% | 61 |
| Noninterest expense to average assets | 12.0163% | 58 |
| Loan and lease loss provision to assets | 0.0644% | 1,261 |
| Net operating income to assets | 0.7381% | 2,899 |
| Return on assets (ROA) | 0.7381% | 2,890 |
| Pretax return on assets | 0.9430% | 2,621 |
| Return on Equity (ROE) | 8.0168% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.0168% | 1,581 |
| Net charge-offs to loans | 0.0204% | 1,129 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 70.3929% | 791 |
| Efficiency ratio | 92.2648% | 451 |
| Assets per employee ($millions) | 1.5418% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,367 |
| Loan loss allowance to noncurrent loans | 114.5306% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 509 |
| Noncurrent loans to loans | 1.3657% | 634 |
| Net loans and leases to total assets | 66.0041% | 1,408 |
| Net loans and leases to deposits | 83.3114% | 931 |
| Net loans and leases to core deposits | 89.5606% | 944 |
| Total domestic deposits to total assets | 79.2257% | 4,337 |
| Equity capital to assets | 9.3369% | 2,411 |
| Core capital (leverage) ratio | 9.3362% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8962% | 2,260 |
| Memoranda: | ||
| Average total assets | $782,600,500 | 1,211 |
| Average earning assets | $641,920,500 | 1,343 |
| Average equity | $72,048,500 | 1,303 |
| Average total loans | $547,906,000 | 1,084 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 817 |
| Cost of funding earning assets | 0.2300% | 3,133 |
| Net interest margin | 4.0954% | 603 |
| Noninterest income to average assets | 13.8401% | 49 |
| Noninterest expense to average assets | 14.8446% | 46 |
| Loan and lease loss provision to assets | 0.0809% | 1,509 |
| Net operating income to assets | 1.8555% | 453 |
| Return on assets (ROA) | 1.8555% | 477 |
| Pretax return on assets | 2.5058% | 252 |
| Return on Equity (ROE) | 20.3773% | 289 |
| Retained earnings to average equity (ytd only) | 20.1885% | 60 |
| Net charge-offs to loans | -0.0819% | 4,515 |
| Credit loss provision to net charge-offs | -124.4493% | 3,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1607% | 505 |
| Assets per employee ($millions) | 1.6019% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.9264% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,914 |
| Loan loss allowance to noncurrent loans | 166.4324% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 921 |
| Noncurrent loans to loans | 0.8418% | 1,207 |
| Net loans and leases to total assets | 71.9060% | 849 |
| Net loans and leases to deposits | 88.6678% | 623 |
| Net loans and leases to core deposits | 92.7237% | 839 |
| Total domestic deposits to total assets | 81.0959% | 4,097 |
| Equity capital to assets | 9.0775% | 3,540 |
| Core capital (leverage) ratio | 9.8206% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8509% | 2,302 |
| Memoranda: | ||
| Average total assets | $698,150,800 | 1,291 |
| Average earning assets | $612,205,800 | 1,356 |
| Average equity | $63,570,800 | 1,448 |
| Average total loans | $554,307,600 | 1,082 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 808 |
| Cost of funding earning assets | 0.2477% | 3,146 |
| Net interest margin | 4.1515% | 595 |
| Noninterest income to average assets | 14.4829% | 52 |
| Noninterest expense to average assets | 15.3276% | 43 |
| Loan and lease loss provision to assets | 0.0247% | 2,500 |
| Net operating income to assets | 2.0980% | 397 |
| Return on assets (ROA) | 2.0980% | 419 |
| Pretax return on assets | 2.8317% | 219 |
| Return on Equity (ROE) | 23.0205% | 249 |
| Retained earnings to average equity (ytd only) | 22.7607% | 76 |
| Net charge-offs to loans | -0.0944% | 4,587 |
| Credit loss provision to net charge-offs | -32.1337% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2917% | 504 |
| Assets per employee ($millions) | 1.3546% | 4,865 |
| Cash dividends to net income (ytd only)* | 1.1287% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,895 |
| Loan loss allowance to noncurrent loans | 148.7387% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 752 |
| Noncurrent loans to loans | 0.9611% | 1,196 |
| Net loans and leases to total assets | 82.7964% | 154 |
| Net loans and leases to deposits | 112.6721% | 77 |
| Net loans and leases to core deposits | 120.3307% | 181 |
| Total domestic deposits to total assets | 73.4844% | 4,656 |
| Equity capital to assets | 11.0284% | 1,994 |
| Core capital (leverage) ratio | 9.5115% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5807% | 1,772 |
| Memoranda: | ||
| Average total assets | $675,660,000 | 1,330 |
| Average earning assets | $602,365,750 | 1,385 |
| Average equity | $61,578,250 | 1,502 |
| Average total loans | $549,196,250 | 1,108 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 1,199 |
| Cost of funding earning assets | 0.2574% | 3,217 |
| Net interest margin | 3.9370% | 915 |
| Noninterest income to average assets | 14.0844% | 51 |
| Noninterest expense to average assets | 14.9505% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9749% | 506 |
| Return on assets (ROA) | 1.9749% | 537 |
| Pretax return on assets | 2.6643% | 273 |
| Return on Equity (ROE) | 23.1428% | 256 |
| Retained earnings to average equity (ytd only) | 22.7360% | 98 |
| Net charge-offs to loans | -0.0485% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8749% | 515 |
| Assets per employee ($millions) | 1.5710% | 4,897 |
| Cash dividends to net income (ytd only)* | 1.7577% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,187 |
| Loan loss allowance to noncurrent loans | 191.6578% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 1,345 |
| Noncurrent loans to loans | 0.7047% | 1,675 |
| Net loans and leases to total assets | 73.5666% | 807 |
| Net loans and leases to deposits | 102.9623% | 202 |
| Net loans and leases to core deposits | 109.3525% | 377 |
| Total domestic deposits to total assets | 71.4500% | 4,721 |
| Equity capital to assets | 8.7273% | 4,025 |
| Core capital (leverage) ratio | 10.0775% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3786% | 2,213 |
| Memoranda: | ||
| Average total assets | $691,373,000 | 1,311 |
| Average earning assets | $619,957,333 | 1,345 |
| Average equity | $58,999,000 | 1,547 |
| Average total loans | $556,281,667 | 1,101 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 831 |
| Cost of funding earning assets | 0.2774% | 3,206 |
| Net interest margin | 4.1778% | 627 |
| Noninterest income to average assets | 15.1609% | 49 |
| Noninterest expense to average assets | 15.5378% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4832% | 273 |
| Return on assets (ROA) | 2.4832% | 298 |
| Pretax return on assets | 3.3457% | 163 |
| Return on Equity (ROE) | 29.4478% | 148 |
| Retained earnings to average equity (ytd only) | 28.6122% | 86 |
| Net charge-offs to loans | -0.0548% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2823% | 690 |
| Assets per employee ($millions) | 1.5351% | 4,926 |
| Cash dividends to net income (ytd only)* | 2.8376% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,501 |
| Loan loss allowance to noncurrent loans | 204.6331% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 1,512 |
| Noncurrent loans to loans | 0.6281% | 2,001 |
| Net loans and leases to total assets | 81.4101% | 254 |
| Net loans and leases to deposits | 109.7693% | 135 |
| Net loans and leases to core deposits | 116.5523% | 283 |
| Total domestic deposits to total assets | 74.1648% | 4,661 |
| Equity capital to assets | 8.8588% | 3,825 |
| Core capital (leverage) ratio | 9.0110% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2122% | 2,201 |
| Memoranda: | ||
| Average total assets | $681,227,500 | 1,315 |
| Average earning assets | $607,011,500 | 1,355 |
| Average equity | $57,444,000 | 1,574 |
| Average total loans | $569,065,000 | 1,086 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 682 |
| Cost of funding earning assets | 0.4859% | 3,039 |
| Net interest margin | 4.3531% | 454 |
| Noninterest income to average assets | 14.3007% | 55 |
| Noninterest expense to average assets | 15.4093% | 46 |
| Loan and lease loss provision to assets | 0.1809% | 2,133 |
| Net operating income to assets | 1.9081% | 314 |
| Return on assets (ROA) | 1.9081% | 337 |
| Pretax return on assets | 2.5934% | 172 |
| Return on Equity (ROE) | 22.2087% | 156 |
| Retained earnings to average equity (ytd only) | 17.9051% | 88 |
| Net charge-offs to loans | 0.0727% | 1,759 |
| Credit loss provision to net charge-offs | 294.3503% | 1,761 |
| Earnings coverage of net charge-offs (x) | 45.1469% | 1,287 |
| Efficiency ratio | 84.7429% | 582 |
| Assets per employee ($millions) | 1.6951% | 4,941 |
| Cash dividends to net income (ytd only)* | 19.3777% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,929 |
| Loan loss allowance to noncurrent loans | 197.0028% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 1,690 |
| Noncurrent loans to loans | 0.6104% | 2,170 |
| Net loans and leases to total assets | 83.5514% | 200 |
| Net loans and leases to deposits | 112.2516% | 136 |
| Net loans and leases to core deposits | 118.1847% | 338 |
| Total domestic deposits to total assets | 74.4323% | 4,614 |
| Equity capital to assets | 8.0188% | 4,699 |
| Core capital (leverage) ratio | 8.5383% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4083% | 2,486 |
| Memoranda: | ||
| Average total assets | $576,074,800 | 1,381 |
| Average earning assets | $513,840,200 | 1,423 |
| Average equity | $49,494,200 | 1,709 |
| Average total loans | $487,188,800 | 1,164 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 695 |
| Cost of funding earning assets | 0.5475% | 2,948 |
| Net interest margin | 4.3799% | 488 |
| Noninterest income to average assets | 14.2058% | 52 |
| Noninterest expense to average assets | 15.4377% | 46 |
| Loan and lease loss provision to assets | 0.1076% | 2,975 |
| Net operating income to assets | 1.8950% | 376 |
| Return on assets (ROA) | 1.8950% | 411 |
| Pretax return on assets | 2.5689% | 191 |
| Return on Equity (ROE) | 21.6009% | 186 |
| Retained earnings to average equity (ytd only) | 18.9900% | 94 |
| Net charge-offs to loans | 0.0617% | 1,718 |
| Credit loss provision to net charge-offs | 206.5421% | 2,090 |
| Earnings coverage of net charge-offs (x) | 51.3318% | 1,178 |
| Efficiency ratio | 85.2237% | 547 |
| Assets per employee ($millions) | 1.6460% | 4,977 |
| Cash dividends to net income (ytd only)* | 12.0869% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,679 |
| Loan loss allowance to noncurrent loans | 175.2333% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 1,734 |
| Noncurrent loans to loans | 0.6833% | 2,083 |
| Net loans and leases to total assets | 83.8489% | 293 |
| Net loans and leases to deposits | 119.5340% | 117 |
| Net loans and leases to core deposits | 126.3970% | 297 |
| Total domestic deposits to total assets | 70.1465% | 4,751 |
| Equity capital to assets | 8.1773% | 4,644 |
| Core capital (leverage) ratio | 9.2090% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4870% | 2,425 |
| Memoranda: | ||
| Average total assets | $547,190,750 | 1,427 |
| Average earning assets | $488,307,500 | 1,461 |
| Average equity | $48,003,000 | 1,746 |
| Average total loans | $462,765,000 | 1,199 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 745 |
| Cost of funding earning assets | 0.6095% | 2,919 |
| Net interest margin | 4.4503% | 560 |
| Noninterest income to average assets | 12.9271% | 53 |
| Noninterest expense to average assets | 15.2650% | 45 |
| Loan and lease loss provision to assets | 0.1708% | 2,297 |
| Net operating income to assets | 1.0767% | 2,050 |
| Return on assets (ROA) | 1.0767% | 2,177 |
| Pretax return on assets | 1.4604% | 1,559 |
| Return on Equity (ROE) | 11.9341% | 1,346 |
| Retained earnings to average equity (ytd only) | 8.3112% | 1,222 |
| Net charge-offs to loans | 0.1078% | 1,215 |
| Credit loss provision to net charge-offs | 187.6068% | 1,963 |
| Earnings coverage of net charge-offs (x) | 17.9145% | 1,797 |
| Efficiency ratio | 90.3455% | 378 |
| Assets per employee ($millions) | 1.6537% | 5,011 |
| Cash dividends to net income (ytd only)* | 30.3578% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,134 |
| Loan loss allowance to noncurrent loans | 120.5817% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 1,127 |
| Noncurrent loans to loans | 1.0568% | 1,478 |
| Net loans and leases to total assets | 84.0712% | 248 |
| Net loans and leases to deposits | 125.0432% | 65 |
| Net loans and leases to core deposits | 135.3437% | 203 |
| Total domestic deposits to total assets | 67.2338% | 4,858 |
| Equity capital to assets | 7.9476% | 4,744 |
| Core capital (leverage) ratio | 8.4683% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7337% | 2,720 |
| Memoranda: | ||
| Average total assets | $513,959,333 | 1,471 |
| Average earning assets | $458,396,667 | 1,515 |
| Average equity | $46,371,333 | 1,784 |
| Average total loans | $434,027,000 | 1,245 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 506 |
| Cost of funding earning assets | 0.7246% | 2,807 |
| Net interest margin | 4.6162% | 396 |
| Noninterest income to average assets | 10.8455% | 56 |
| Noninterest expense to average assets | 13.7086% | 54 |
| Loan and lease loss provision to assets | 0.2038% | 1,497 |
| Net operating income to assets | 0.7392% | 3,137 |
| Return on assets (ROA) | 0.7392% | 3,215 |
| Pretax return on assets | 1.0180% | 2,788 |
| Return on Equity (ROE) | 7.6101% | 2,678 |
| Retained earnings to average equity (ytd only) | 0.2370% | 3,938 |
| Net charge-offs to loans | 0.2183% | 646 |
| Credit loss provision to net charge-offs | 111.1628% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.6651% | 1,973 |
| Efficiency ratio | 91.8166% | 436 |
| Assets per employee ($millions) | 1.3679% | 5,063 |
| Cash dividends to net income (ytd only)* | 96.8858% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,078 |
| Loan loss allowance to noncurrent loans | 174.8284% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 1,401 |
| Noncurrent loans to loans | 0.9135% | 1,790 |
| Net loans and leases to total assets | 80.5841% | 624 |
| Net loans and leases to deposits | 105.3020% | 317 |
| Net loans and leases to core deposits | 113.6717% | 678 |
| Total domestic deposits to total assets | 76.5266% | 4,422 |
| Equity capital to assets | 9.3583% | 4,348 |
| Core capital (leverage) ratio | 9.2429% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7843% | 2,811 |
| Memoranda: | ||
| Average total assets | $469,136,000 | 1,538 |
| Average earning assets | $415,150,500 | 1,620 |
| Average equity | $45,571,000 | 1,800 |
| Average total loans | $394,036,000 | 1,308 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 441 |
| Cost of funding earning assets | 1.1043% | 1,309 |
| Net interest margin | 4.5380% | 670 |
| Noninterest income to average assets | 8.9816% | 65 |
| Noninterest expense to average assets | 11.4763% | 61 |
| Loan and lease loss provision to assets | 0.1949% | 1,046 |
| Net operating income to assets | 0.9689% | 2,955 |
| Return on assets (ROA) | 0.9689% | 3,040 |
| Pretax return on assets | 1.3319% | 2,391 |
| Return on Equity (ROE) | 10.7838% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.1232% | 1,808 |
| Net charge-offs to loans | 0.1934% | 1,048 |
| Credit loss provision to net charge-offs | 121.4653% | 2,091 |
| Earnings coverage of net charge-offs (x) | 9.5141% | 2,654 |
| Efficiency ratio | 88.2579% | 424 |
| Assets per employee ($millions) | 1.3512% | 5,119 |
| Cash dividends to net income (ytd only)* | 43.2191% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 917 |
| Loan loss allowance to noncurrent loans | 193.6222% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,462 |
| Noncurrent loans to loans | 0.8418% | 1,827 |
| Net loans and leases to total assets | 84.8519% | 251 |
| Net loans and leases to deposits | 102.4850% | 444 |
| Net loans and leases to core deposits | 109.4978% | 882 |
| Total domestic deposits to total assets | 82.7944% | 3,273 |
| Equity capital to assets | 10.0975% | 3,837 |
| Core capital (leverage) ratio | 8.5709% | 4,803 |
| Tier 1 risk-based capital ratio | 11.2494% | 4,755 |
| Total risk-based capital ratio | 12.5046% | 4,646 |
| Memoranda: | ||
| Average total assets | $484,791,200 | 1,463 |
| Average earning assets | $429,612,800 | 1,506 |
| Average equity | $43,556,000 | 1,803 |
| Average total loans | $402,246,600 | 1,264 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 517 |
| Cost of funding earning assets | 1.1138% | 1,294 |
| Net interest margin | 4.4618% | 837 |
| Noninterest income to average assets | 8.1753% | 71 |
| Noninterest expense to average assets | 10.6774% | 64 |
| Loan and lease loss provision to assets | 0.1517% | 1,244 |
| Net operating income to assets | 0.9503% | 3,166 |
| Return on assets (ROA) | 0.9503% | 3,240 |
| Pretax return on assets | 1.2939% | 2,690 |
| Return on Equity (ROE) | 10.8856% | 2,063 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,815 |
| Net charge-offs to loans | 0.1749% | 967 |
| Credit loss provision to net charge-offs | 105.4511% | 2,157 |
| Earnings coverage of net charge-offs (x) | 10.0507% | 2,529 |
| Efficiency ratio | 88.0756% | 394 |
| Assets per employee ($millions) | 1.5532% | 5,187 |
| Cash dividends to net income (ytd only)* | 52.6317% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,295 |
| Loan loss allowance to noncurrent loans | 155.4081% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 1,558 |
| Noncurrent loans to loans | 0.9536% | 1,690 |
| Net loans and leases to total assets | 79.5453% | 906 |
| Net loans and leases to deposits | 95.0685% | 1,116 |
| Net loans and leases to core deposits | 102.4085% | 1,461 |
| Total domestic deposits to total assets | 83.6715% | 2,943 |
| Equity capital to assets | 8.5854% | 4,963 |
| Core capital (leverage) ratio | 8.5255% | 4,939 |
| Tier 1 risk-based capital ratio | 10.6487% | 5,039 |
| Total risk-based capital ratio | 11.9030% | 4,956 |
| Memoranda: | ||
| Average total assets | $493,166,500 | 1,450 |
| Average earning assets | $436,348,250 | 1,500 |
| Average equity | $43,052,750 | 1,828 |
| Average total loans | $405,490,000 | 1,263 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5741% | 493 |
| Cost of funding earning assets | 1.1493% | 1,143 |
| Net interest margin | 4.4248% | 897 |
| Noninterest income to average assets | 7.4047% | 74 |
| Noninterest expense to average assets | 10.1346% | 68 |
| Loan and lease loss provision to assets | 0.1750% | 1,027 |
| Net operating income to assets | 0.7527% | 3,816 |
| Return on assets (ROA) | 0.7527% | 3,879 |
| Pretax return on assets | 1.0259% | 3,459 |
| Return on Equity (ROE) | 8.5718% | 3,038 |
| Retained earnings to average equity (ytd only) | 0.7707% | 4,495 |
| Net charge-offs to loans | 0.2568% | 652 |
| Credit loss provision to net charge-offs | 82.3301% | 2,205 |
| Earnings coverage of net charge-offs (x) | 5.6505% | 2,632 |
| Efficiency ratio | 89.4059% | 374 |
| Assets per employee ($millions) | 1.5043% | 5,235 |
| Cash dividends to net income (ytd only)* | 91.0088% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,353 |
| Loan loss allowance to noncurrent loans | 179.7166% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 1,304 |
| Noncurrent loans to loans | 0.8198% | 1,953 |
| Net loans and leases to total assets | 81.0214% | 731 |
| Net loans and leases to deposits | 96.5161% | 980 |
| Net loans and leases to core deposits | 107.7121% | 1,121 |
| Total domestic deposits to total assets | 83.9460% | 2,891 |
| Equity capital to assets | 8.5269% | 5,029 |
| Core capital (leverage) ratio | 8.2338% | 5,094 |
| Tier 1 risk-based capital ratio | 10.3181% | 5,167 |
| Total risk-based capital ratio | 11.5722% | 5,082 |
| Memoranda: | ||
| Average total assets | $484,637,000 | 1,475 |
| Average earning assets | $430,529,670 | 1,526 |
| Average equity | $42,558,000 | 1,844 |
| Average total loans | $401,036,000 | 1,272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 415 |
| Cost of funding earning assets | 1.2204% | 850 |
| Net interest margin | 4.3988% | 907 |
| Noninterest income to average assets | 7.0668% | 70 |
| Noninterest expense to average assets | 10.0306% | 64 |
| Loan and lease loss provision to assets | 0.1774% | 942 |
| Net operating income to assets | 0.5474% | 4,388 |
| Return on assets (ROA) | 0.5474% | 4,415 |
| Pretax return on assets | 0.7500% | 4,171 |
| Return on Equity (ROE) | 6.1391% | 3,972 |
| Retained earnings to average equity (ytd only) | 0.1037% | 4,511 |
| Net charge-offs to loans | 0.4000% | 388 |
| Credit loss provision to net charge-offs | 53.4177% | 1,954 |
| Earnings coverage of net charge-offs (x) | 2.7924% | 2,458 |
| Efficiency ratio | 91.5369% | 339 |
| Assets per employee ($millions) | 1.4277% | 5,301 |
| Cash dividends to net income (ytd only)* | 98.3103% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,264 |
| Loan loss allowance to noncurrent loans | 181.9120% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 890 |
| Noncurrent loans to loans | 0.8376% | 1,960 |
| Net loans and leases to total assets | 81.0001% | 710 |
| Net loans and leases to deposits | 96.9631% | 893 |
| Net loans and leases to core deposits | 109.2338% | 970 |
| Total domestic deposits to total assets | 83.5370% | 3,208 |
| Equity capital to assets | 8.8869% | 4,759 |
| Core capital (leverage) ratio | 8.6952% | 4,872 |
| Tier 1 risk-based capital ratio | 10.6381% | 5,137 |
| Total risk-based capital ratio | 11.8924% | 5,029 |
| Memoranda: | ||
| Average total assets | $475,744,000 | 1,508 |
| Average earning assets | $420,845,000 | 1,555 |
| Average equity | $42,416,500 | 1,836 |
| Average total loans | $394,975,500 | 1,293 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 312 |
| Cost of funding earning assets | 1.0643% | 568 |
| Net interest margin | 4.5705% | 652 |
| Noninterest income to average assets | 8.1921% | 63 |
| Noninterest expense to average assets | 10.9282% | 57 |
| Loan and lease loss provision to assets | 0.1673% | 1,206 |
| Net operating income to assets | 0.9066% | 3,419 |
| Return on assets (ROA) | 0.9066% | 3,406 |
| Pretax return on assets | 1.2462% | 2,711 |
| Return on Equity (ROE) | 10.4372% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.6663% | 2,376 |
| Net charge-offs to loans | 0.2404% | 811 |
| Credit loss provision to net charge-offs | 80.5527% | 2,855 |
| Earnings coverage of net charge-offs (x) | 6.8076% | 3,047 |
| Efficiency ratio | 88.5474% | 405 |
| Assets per employee ($millions) | 1.4650% | 5,344 |
| Cash dividends to net income (ytd only)* | 45.7103% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,121 |
| Loan loss allowance to noncurrent loans | 163.9162% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 999 |
| Noncurrent loans to loans | 0.9505% | 1,697 |
| Net loans and leases to total assets | 82.4948% | 593 |
| Net loans and leases to deposits | 101.7047% | 615 |
| Net loans and leases to core deposits | 118.4150% | 604 |
| Total domestic deposits to total assets | 81.1121% | 3,862 |
| Equity capital to assets | 8.9450% | 4,619 |
| Core capital (leverage) ratio | 8.5816% | 4,965 |
| Tier 1 risk-based capital ratio | 10.4934% | 5,181 |
| Total risk-based capital ratio | 11.7482% | 5,076 |
| Memoranda: | ||
| Average total assets | $470,551,400 | 1,489 |
| Average earning assets | $427,214,600 | 1,507 |
| Average equity | $40,873,000 | 1,818 |
| Average total loans | $406,417,200 | 1,241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6365% | 284 |
| Cost of funding earning assets | 0.9908% | 623 |
| Net interest margin | 4.6457% | 533 |
| Noninterest income to average assets | 8.6702% | 63 |
| Noninterest expense to average assets | 11.4211% | 54 |
| Loan and lease loss provision to assets | 0.2080% | 816 |
| Net operating income to assets | 0.9296% | 3,395 |
| Return on assets (ROA) | 0.9296% | 3,402 |
| Pretax return on assets | 1.2641% | 2,752 |
| Return on Equity (ROE) | 10.7825% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.9568% | 3,261 |
| Net charge-offs to loans | 0.2658% | 628 |
| Credit loss provision to net charge-offs | 89.9387% | 2,424 |
| Earnings coverage of net charge-offs (x) | 6.3656% | 2,891 |
| Efficiency ratio | 88.5825% | 378 |
| Assets per employee ($millions) | 1.4096% | 5,417 |
| Cash dividends to net income (ytd only)* | 54.0293% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,396 |
| Loan loss allowance to noncurrent loans | 144.2074% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 986 |
| Noncurrent loans to loans | 1.0297% | 1,665 |
| Net loans and leases to total assets | 85.2565% | 335 |
| Net loans and leases to deposits | 108.0815% | 354 |
| Net loans and leases to core deposits | 126.2395% | 406 |
| Total domestic deposits to total assets | 78.8817% | 4,339 |
| Equity capital to assets | 8.4619% | 4,949 |
| Core capital (leverage) ratio | 8.2107% | 5,246 |
| Tier 1 risk-based capital ratio | 10.0028% | 5,377 |
| Total risk-based capital ratio | 11.2573% | 5,329 |
| Memoranda: | ||
| Average total assets | $469,888,750 | 1,499 |
| Average earning assets | $427,132,500 | 1,516 |
| Average equity | $40,509,250 | 1,838 |
| Average total loans | $408,885,250 | 1,234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 290 |
| Cost of funding earning assets | 0.9419% | 603 |
| Net interest margin | 4.6300% | 519 |
| Noninterest income to average assets | 8.5606% | 64 |
| Noninterest expense to average assets | 11.4463% | 55 |
| Loan and lease loss provision to assets | 0.2783% | 524 |
| Net operating income to assets | 0.7707% | 3,955 |
| Return on assets (ROA) | 0.7707% | 3,959 |
| Pretax return on assets | 1.0529% | 3,502 |
| Return on Equity (ROE) | 8.8822% | 3,077 |
| Retained earnings to average equity (ytd only) | 3.0138% | 4,043 |
| Net charge-offs to loans | 0.2861% | 562 |
| Credit loss provision to net charge-offs | 111.5917% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.3374% | 2,718 |
| Efficiency ratio | 89.5812% | 387 |
| Assets per employee ($millions) | 1.2819% | 5,486 |
| Cash dividends to net income (ytd only)* | 66.0694% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,230 |
| Loan loss allowance to noncurrent loans | 137.2068% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 897 |
| Noncurrent loans to loans | 1.1318% | 1,556 |
| Net loans and leases to total assets | 86.2390% | 246 |
| Net loans and leases to deposits | 110.3897% | 270 |
| Net loans and leases to core deposits | 130.2939% | 330 |
| Total domestic deposits to total assets | 78.1223% | 4,568 |
| Equity capital to assets | 8.5632% | 4,896 |
| Core capital (leverage) ratio | 8.2451% | 5,238 |
| Tier 1 risk-based capital ratio | 9.8902% | 5,449 |
| Total risk-based capital ratio | 11.1455% | 5,398 |
| Memoranda: | ||
| Average total assets | $463,470,330 | 1,525 |
| Average earning assets | $422,119,330 | 1,540 |
| Average equity | $40,215,330 | 1,852 |
| Average total loans | $404,076,000 | 1,246 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 337 |
| Cost of funding earning assets | 0.8920% | 620 |
| Net interest margin | 4.5014% | 618 |
| Noninterest income to average assets | 7.1473% | 73 |
| Noninterest expense to average assets | 10.1244% | 67 |
| Loan and lease loss provision to assets | 0.4395% | 245 |
| Net operating income to assets | 0.4962% | 4,704 |
| Return on assets (ROA) | 0.4962% | 4,714 |
| Pretax return on assets | 0.6802% | 4,497 |
| Return on Equity (ROE) | 5.6801% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.0863% | 4,327 |
| Net charge-offs to loans | 0.1875% | 782 |
| Credit loss provision to net charge-offs | 269.5187% | 880 |
| Earnings coverage of net charge-offs (x) | 6.8663% | 2,132 |
| Efficiency ratio | 90.0419% | 442 |
| Assets per employee ($millions) | 1.2215% | 5,551 |
| Cash dividends to net income (ytd only)* | 63.2689% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,029 |
| Loan loss allowance to noncurrent loans | 174.9542% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 1,251 |
| Noncurrent loans to loans | 0.9489% | 1,924 |
| Net loans and leases to total assets | 85.9912% | 261 |
| Net loans and leases to deposits | 110.0862% | 255 |
| Net loans and leases to core deposits | 130.2340% | 339 |
| Total domestic deposits to total assets | 78.1126% | 4,714 |
| Equity capital to assets | 8.7118% | 4,815 |
| Core capital (leverage) ratio | 8.4111% | 5,197 |
| Tier 1 risk-based capital ratio | 10.0696% | 5,485 |
| Total risk-based capital ratio | 11.3263% | 5,416 |
| Memoranda: | ||
| Average total assets | $458,693,000 | 1,544 |
| Average earning assets | $417,466,000 | 1,560 |
| Average equity | $40,070,000 | 1,864 |
| Average total loans | $398,930,500 | 1,262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 410 |
| Cost of funding earning assets | 0.8243% | 545 |
| Net interest margin | 4.4142% | 739 |
| Noninterest income to average assets | 9.3825% | 62 |
| Noninterest expense to average assets | 11.9979% | 52 |
| Loan and lease loss provision to assets | 0.2641% | 688 |
| Net operating income to assets | 0.6605% | 3,784 |
| Return on assets (ROA) | 0.6605% | 3,821 |
| Pretax return on assets | 1.1739% | 2,875 |
| Return on Equity (ROE) | 7.5444% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.2044% | 2,645 |
| Net charge-offs to loans | 0.1585% | 1,536 |
| Credit loss provision to net charge-offs | 189.5833% | 1,438 |
| Earnings coverage of net charge-offs (x) | 10.3237% | 2,690 |
| Efficiency ratio | 89.2976% | 459 |
| Assets per employee ($millions) | 1.1656% | 5,617 |
| Cash dividends to net income (ytd only)* | 44.2717% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,118 |
| Loan loss allowance to noncurrent loans | 155.0901% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 1,126 |
| Noncurrent loans to loans | 1.0390% | 1,715 |
| Net loans and leases to total assets | 85.1019% | 340 |
| Net loans and leases to deposits | 105.4740% | 424 |
| Net loans and leases to core deposits | 123.7611% | 483 |
| Total domestic deposits to total assets | 80.6852% | 4,194 |
| Equity capital to assets | 8.7597% | 4,919 |
| Core capital (leverage) ratio | 8.3927% | 5,227 |
| Tier 1 risk-based capital ratio | 10.2516% | 5,462 |
| Total risk-based capital ratio | 11.5077% | 5,385 |
| Memoranda: | ||
| Average total assets | $447,995,800 | 1,552 |
| Average earning assets | $411,381,400 | 1,562 |
| Average equity | $39,221,000 | 1,890 |
| Average total loans | $393,609,000 | 1,251 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 411 |
| Cost of funding earning assets | 0.8112% | 535 |
| Net interest margin | 4.4012% | 730 |
| Noninterest income to average assets | 9.5751% | 64 |
| Noninterest expense to average assets | 12.1539% | 54 |
| Loan and lease loss provision to assets | 0.1582% | 1,304 |
| Net operating income to assets | 0.8165% | 3,459 |
| Return on assets (ROA) | 0.8165% | 3,500 |
| Pretax return on assets | 1.3148% | 2,417 |
| Return on Equity (ROE) | 9.3282% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,447 |
| Net charge-offs to loans | 0.1038% | 1,747 |
| Credit loss provision to net charge-offs | 172.8758% | 1,513 |
| Earnings coverage of net charge-offs (x) | 16.0948% | 2,185 |
| Efficiency ratio | 89.1901% | 444 |
| Assets per employee ($millions) | 1.2153% | 5,680 |
| Cash dividends to net income (ytd only)* | 39.1941% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,393 |
| Loan loss allowance to noncurrent loans | 174.5876% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 1,386 |
| Noncurrent loans to loans | 0.8816% | 2,171 |
| Net loans and leases to total assets | 86.2793% | 240 |
| Net loans and leases to deposits | 107.0561% | 374 |
| Net loans and leases to core deposits | 122.7620% | 492 |
| Total domestic deposits to total assets | 80.5927% | 4,175 |
| Equity capital to assets | 8.9648% | 4,941 |
| Core capital (leverage) ratio | 8.5148% | 5,237 |
| Tier 1 risk-based capital ratio | 10.5148% | 5,442 |
| Total risk-based capital ratio | 11.7702% | 5,373 |
| Memoranda: | ||
| Average total assets | $445,770,250 | 1,569 |
| Average earning assets | $410,396,750 | 1,578 |
| Average equity | $39,020,500 | 1,912 |
| Average total loans | $393,212,000 | 1,259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 491 |
| Cost of funding earning assets | 0.8039% | 516 |
| Net interest margin | 4.2795% | 914 |
| Noninterest income to average assets | 9.8792% | 61 |
| Noninterest expense to average assets | 12.4308% | 53 |
| Loan and lease loss provision to assets | 0.1132% | 1,810 |
| Net operating income to assets | 0.7955% | 3,417 |
| Return on assets (ROA) | 0.7955% | 3,476 |
| Pretax return on assets | 1.2850% | 2,445 |
| Return on Equity (ROE) | 9.1613% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.6091% | 2,969 |
| Net charge-offs to loans | 0.0940% | 1,677 |
| Credit loss provision to net charge-offs | 136.2162% | 1,627 |
| Earnings coverage of net charge-offs (x) | 16.8270% | 1,960 |
| Efficiency ratio | 89.8892% | 461 |
| Assets per employee ($millions) | 1.2241% | 5,732 |
| Cash dividends to net income (ytd only)* | 49.6894% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,739 |
| Loan loss allowance to noncurrent loans | 221.2349% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 1,740 |
| Noncurrent loans to loans | 0.6579% | 2,774 |
| Net loans and leases to total assets | 88.3133% | 131 |
| Net loans and leases to deposits | 111.3253% | 238 |
| Net loans and leases to core deposits | 131.5299% | 281 |
| Total domestic deposits to total assets | 79.3291% | 4,552 |
| Equity capital to assets | 8.7145% | 5,128 |
| Core capital (leverage) ratio | 8.3373% | 5,329 |
| Tier 1 risk-based capital ratio | 10.4175% | 5,497 |
| Total risk-based capital ratio | 11.6729% | 5,420 |
| Memoranda: | ||
| Average total assets | $445,281,000 | 1,579 |
| Average earning assets | $410,981,670 | 1,575 |
| Average equity | $38,662,670 | 1,928 |
| Average total loans | $393,647,330 | 1,256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 627 |
| Cost of funding earning assets | 0.7717% | 575 |
| Net interest margin | 4.1307% | 1,146 |
| Noninterest income to average assets | 9.1169% | 61 |
| Noninterest expense to average assets | 12.0742% | 55 |
| Loan and lease loss provision to assets | 0.1563% | 1,159 |
| Net operating income to assets | 0.4084% | 4,923 |
| Return on assets (ROA) | 0.4084% | 4,947 |
| Pretax return on assets | 0.6732% | 4,524 |
| Return on Equity (ROE) | 4.7124% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.6890% | 4,432 |
| Net charge-offs to loans | 0.1637% | 993 |
| Credit loss provision to net charge-offs | 108.8050% | 1,483 |
| Earnings coverage of net charge-offs (x) | 5.7736% | 2,259 |
| Efficiency ratio | 93.5719% | 398 |
| Assets per employee ($millions) | 1.1483% | 5,801 |
| Cash dividends to net income (ytd only)* | 64.1593% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,665 |
| Loan loss allowance to noncurrent loans | 209.0844% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 1,630 |
| Noncurrent loans to loans | 0.7216% | 2,690 |
| Net loans and leases to total assets | 87.1175% | 151 |
| Net loans and leases to deposits | 119.3337% | 95 |
| Net loans and leases to core deposits | 150.1598% | 105 |
| Total domestic deposits to total assets | 73.0033% | 5,488 |
| Equity capital to assets | 8.8121% | 4,989 |
| Core capital (leverage) ratio | 8.4832% | 5,241 |
| Tier 1 risk-based capital ratio | 10.4766% | 5,554 |
| Total risk-based capital ratio | 11.7322% | 5,477 |
| Memoranda: | ||
| Average total assets | $442,694,500 | 1,592 |
| Average earning assets | $405,841,500 | 1,607 |
| Average equity | $38,366,500 | 1,945 |
| Average total loans | $388,627,500 | 1,281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 499 |
| Cost of funding earning assets | 0.7459% | 646 |
| Net interest margin | 4.3520% | 847 |
| Noninterest income to average assets | 12.8261% | 56 |
| Noninterest expense to average assets | 15.0832% | 47 |
| Loan and lease loss provision to assets | 0.5410% | 251 |
| Net operating income to assets | 0.7041% | 3,762 |
| Return on assets (ROA) | 0.7041% | 3,875 |
| Pretax return on assets | 1.1508% | 2,893 |
| Return on Equity (ROE) | 7.6150% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.0808% | 4,874 |
| Net charge-offs to loans | 0.3039% | 903 |
| Credit loss provision to net charge-offs | 207.2266% | 1,373 |
| Earnings coverage of net charge-offs (x) | 6.4805% | 3,168 |
| Efficiency ratio | 89.9152% | 557 |
| Assets per employee ($millions) | 1.1426% | 5,858 |
| Cash dividends to net income (ytd only)* | 85.8074% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,731 |
| Loan loss allowance to noncurrent loans | 313.6069% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 2,165 |
| Noncurrent loans to loans | 0.4733% | 3,452 |
| Net loans and leases to total assets | 85.8470% | 242 |
| Net loans and leases to deposits | 122.3572% | 70 |
| Net loans and leases to core deposits | 155.3388% | 94 |
| Total domestic deposits to total assets | 70.1610% | 5,658 |
| Equity capital to assets | 8.5252% | 5,252 |
| Core capital (leverage) ratio | 8.2225% | 5,496 |
| Tier 1 risk-based capital ratio | 9.8013% | 5,781 |
| Total risk-based capital ratio | 11.0621% | 5,752 |
| Memoranda: | ||
| Average total assets | $392,263,600 | 1,712 |
| Average earning assets | $355,929,800 | 1,745 |
| Average equity | $36,270,400 | 2,011 |
| Average total loans | $336,932,600 | 1,383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 481 |
| Cost of funding earning assets | 0.7576% | 616 |
| Net interest margin | 4.3584% | 836 |
| Noninterest income to average assets | 13.3996% | 54 |
| Noninterest expense to average assets | 15.6098% | 44 |
| Loan and lease loss provision to assets | 0.5445% | 215 |
| Net operating income to assets | 0.7406% | 3,643 |
| Return on assets (ROA) | 0.7406% | 3,773 |
| Pretax return on assets | 1.1973% | 2,851 |
| Return on Equity (ROE) | 7.8281% | 3,097 |
| Retained earnings to average equity (ytd only) | -0.6710% | 5,455 |
| Net charge-offs to loans | 0.3105% | 744 |
| Credit loss provision to net charge-offs | 205.0465% | 1,416 |
| Earnings coverage of net charge-offs (x) | 6.5591% | 2,990 |
| Efficiency ratio | 89.9618% | 561 |
| Assets per employee ($millions) | 1.0351% | 5,931 |
| Cash dividends to net income (ytd only)* | 108.5713% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,702 |
| Loan loss allowance to noncurrent loans | 243.6227% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 1,856 |
| Noncurrent loans to loans | 0.6232% | 3,146 |
| Net loans and leases to total assets | 86.6166% | 210 |
| Net loans and leases to deposits | 118.9406% | 124 |
| Net loans and leases to core deposits | 150.0774% | 127 |
| Total domestic deposits to total assets | 72.8234% | 5,539 |
| Equity capital to assets | 8.7801% | 5,333 |
| Core capital (leverage) ratio | 8.0087% | 5,684 |
| Tier 1 risk-based capital ratio | 10.1135% | 5,757 |
| Total risk-based capital ratio | 11.3759% | 5,695 |
| Memoranda: | ||
| Average total assets | $378,070,500 | 1,776 |
| Average earning assets | $342,808,250 | 1,814 |
| Average equity | $35,767,750 | 2,043 |
| Average total loans | $323,342,750 | 1,437 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 544 |
| Cost of funding earning assets | 0.7649% | 588 |
| Net interest margin | 4.2773% | 970 |
| Noninterest income to average assets | 12.8463% | 55 |
| Noninterest expense to average assets | 14.9315% | 47 |
| Loan and lease loss provision to assets | 0.4761% | 283 |
| Net operating income to assets | 0.7972% | 3,323 |
| Return on assets (ROA) | 0.7972% | 3,464 |
| Pretax return on assets | 1.2962% | 2,421 |
| Return on Equity (ROE) | 8.2059% | 2,882 |
| Retained earnings to average equity (ytd only) | -3.5810% | 5,678 |
| Net charge-offs to loans | 0.2036% | 1,137 |
| Credit loss provision to net charge-offs | 276.2658% | 1,020 |
| Earnings coverage of net charge-offs (x) | 10.2848% | 2,344 |
| Efficiency ratio | 89.3902% | 631 |
| Assets per employee ($millions) | 0.9788% | 6,009 |
| Cash dividends to net income (ytd only)* | 143.6389% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,464 |
| Loan loss allowance to noncurrent loans | 151.6120% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 1,288 |
| Noncurrent loans to loans | 1.0693% | 2,152 |
| Net loans and leases to total assets | 84.8142% | 351 |
| Net loans and leases to deposits | 119.2809% | 107 |
| Net loans and leases to core deposits | 133.4023% | 259 |
| Total domestic deposits to total assets | 71.1046% | 5,724 |
| Equity capital to assets | 9.4797% | 4,788 |
| Core capital (leverage) ratio | 8.8787% | 4,963 |
| Tier 1 risk-based capital ratio | 10.8025% | 5,524 |
| Total risk-based capital ratio | 12.0681% | 5,439 |
| Memoranda: | ||
| Average total assets | $366,767,670 | 1,828 |
| Average earning assets | $330,770,670 | 1,874 |
| Average equity | $35,633,000 | 2,051 |
| Average total loans | $310,342,670 | 1,487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 474 |
| Cost of funding earning assets | 0.7870% | 526 |
| Net interest margin | 4.3359% | 857 |
| Noninterest income to average assets | 11.3078% | 56 |
| Noninterest expense to average assets | 13.5603% | 49 |
| Loan and lease loss provision to assets | 0.5230% | 227 |
| Net operating income to assets | 0.7000% | 3,714 |
| Return on assets (ROA) | 0.7000% | 3,830 |
| Pretax return on assets | 1.1356% | 2,956 |
| Return on Equity (ROE) | 7.1148% | 3,397 |
| Retained earnings to average equity (ytd only) | -16.4887% | 5,923 |
| Net charge-offs to loans | 0.0462% | 2,101 |
| Credit loss provision to net charge-offs | 1,351.4286% | 305 |
| Earnings coverage of net charge-offs (x) | 42.8571% | 972 |
| Efficiency ratio | 89.1012% | 736 |
| Assets per employee ($millions) | 1.0022% | 6,073 |
| Cash dividends to net income (ytd only)* | 331.7536% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 1,374 |
| Loan loss allowance to noncurrent loans | 90.1418% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 747 |
| Noncurrent loans to loans | 1.8853% | 1,173 |
| Net loans and leases to total assets | 83.6949% | 400 |
| Net loans and leases to deposits | 109.9081% | 233 |
| Net loans and leases to core deposits | 122.8872% | 390 |
| Total domestic deposits to total assets | 76.1499% | 5,395 |
| Equity capital to assets | 9.8023% | 4,334 |
| Core capital (leverage) ratio | 8.4967% | 5,395 |
| Tier 1 risk-based capital ratio | 11.3318% | 5,328 |
| Total risk-based capital ratio | 12.6000% | 5,215 |
| Memoranda: | ||
| Average total assets | $361,732,500 | 1,855 |
| Average earning assets | $326,295,500 | 1,902 |
| Average equity | $35,588,000 | 2,053 |
| Average total loans | $303,074,500 | 1,506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,087 |
| Cost of funding earning assets | 0.7504% | 638 |
| Net interest margin | 3.9581% | 1,849 |
| Noninterest income to average assets | 12.3546% | 57 |
| Noninterest expense to average assets | 14.8498% | 50 |
| Loan and lease loss provision to assets | 0.3075% | 552 |
| Net operating income to assets | 0.4734% | 4,796 |
| Return on assets (ROA) | 0.4734% | 4,875 |
| Pretax return on assets | 0.7818% | 4,255 |
| Return on Equity (ROE) | 4.9606% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.2035% | 2,994 |
| Net charge-offs to loans | 0.2131% | 1,379 |
| Credit loss provision to net charge-offs | 169.4690% | 1,593 |
| Earnings coverage of net charge-offs (x) | 6.0029% | 3,293 |
| Efficiency ratio | 93.1660% | 520 |
| Assets per employee ($millions) | 0.9332% | 6,134 |
| Cash dividends to net income (ytd only)* | 15.2629% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,788 |
| Loan loss allowance to noncurrent loans | 104.5505% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 990 |
| Noncurrent loans to loans | 1.4857% | 1,561 |
| Net loans and leases to total assets | 81.1893% | 676 |
| Net loans and leases to deposits | 111.9269% | 199 |
| Net loans and leases to core deposits | 124.5741% | 366 |
| Total domestic deposits to total assets | 72.5378% | 5,762 |
| Equity capital to assets | 9.8730% | 4,111 |
| Core capital (leverage) ratio | 8.9969% | 4,886 |
| Tier 1 risk-based capital ratio | 11.9954% | 4,953 |
| Total risk-based capital ratio | 13.2582% | 4,841 |
| Memoranda: | ||
| Average total assets | $373,641,000 | 1,755 |
| Average earning assets | $338,369,200 | 1,795 |
| Average equity | $35,661,000 | 1,995 |
| Average total loans | $318,225,600 | 1,392 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 937 |
| Cost of funding earning assets | 0.7381% | 692 |
| Net interest margin | 4.0603% | 1,529 |
| Noninterest income to average assets | 12.5510% | 56 |
| Noninterest expense to average assets | 15.0173% | 51 |
| Loan and lease loss provision to assets | 0.1969% | 1,022 |
| Net operating income to assets | 0.6220% | 4,275 |
| Return on assets (ROA) | 0.6220% | 4,385 |
| Pretax return on assets | 1.0147% | 3,556 |
| Return on Equity (ROE) | 6.5724% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,547 |
| Net charge-offs to loans | 0.0596% | 2,750 |
| Credit loss provision to net charge-offs | 384.7222% | 782 |
| Earnings coverage of net charge-offs (x) | 23.6730% | 1,724 |
| Efficiency ratio | 92.5341% | 540 |
| Assets per employee ($millions) | 0.9399% | 6,221 |
| Cash dividends to net income (ytd only)* | 15.4285% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 2,039 |
| Loan loss allowance to noncurrent loans | 102.9002% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8389% | 1,152 |
| Noncurrent loans to loans | 1.4855% | 1,687 |
| Net loans and leases to total assets | 82.7478% | 501 |
| Net loans and leases to deposits | 106.9692% | 333 |
| Net loans and leases to core deposits | 117.9278% | 535 |
| Total domestic deposits to total assets | 77.3567% | 5,282 |
| Equity capital to assets | 10.0372% | 4,112 |
| Core capital (leverage) ratio | 8.9639% | 5,033 |
| Tier 1 risk-based capital ratio | 12.0295% | 5,066 |
| Total risk-based capital ratio | 13.2915% | 4,972 |
| Memoranda: | ||
| Average total assets | $375,131,250 | 1,762 |
| Average earning assets | $339,800,250 | 1,802 |
| Average equity | $35,501,000 | 2,017 |
| Average total loans | $321,975,250 | 1,388 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,206 |
| Cost of funding earning assets | 0.7315% | 712 |
| Net interest margin | 3.9011% | 1,977 |
| Noninterest income to average assets | 11.8902% | 61 |
| Noninterest expense to average assets | 14.2277% | 53 |
| Loan and lease loss provision to assets | 0.2687% | 615 |
| Net operating income to assets | 0.5733% | 4,455 |
| Return on assets (ROA) | 0.5733% | 4,559 |
| Pretax return on assets | 0.9432% | 3,798 |
| Return on Equity (ROE) | 6.1769% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.1550% | 2,762 |
| Net charge-offs to loans | -0.0500% | 5,545 |
| Credit loss provision to net charge-offs | -621.9512% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1504% | 629 |
| Assets per employee ($millions) | 0.9804% | 6,296 |
| Cash dividends to net income (ytd only)* | 16.5441% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,336 |
| Loan loss allowance to noncurrent loans | 187.2481% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 1,819 |
| Noncurrent loans to loans | 0.7963% | 3,120 |
| Net loans and leases to total assets | 84.7804% | 314 |
| Net loans and leases to deposits | 122.6868% | 75 |
| Net loans and leases to core deposits | 134.5606% | 216 |
| Total domestic deposits to total assets | 69.1031% | 6,073 |
| Equity capital to assets | 9.4887% | 4,667 |
| Core capital (leverage) ratio | 8.2460% | 5,749 |
| Tier 1 risk-based capital ratio | 11.4756% | 5,481 |
| Total risk-based capital ratio | 12.7376% | 5,391 |
| Memoranda: | ||
| Average total assets | $379,556,670 | 1,750 |
| Average earning assets | $345,336,000 | 1,771 |
| Average equity | $35,228,000 | 2,039 |
| Average total loans | $327,942,000 | 1,368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,420 |
| Cost of funding earning assets | 0.7252% | 755 |
| Net interest margin | 3.7894% | 2,264 |
| Noninterest income to average assets | 10.3521% | 71 |
| Noninterest expense to average assets | 12.7725% | 63 |
| Loan and lease loss provision to assets | 0.2886% | 513 |
| Net operating income to assets | 0.4545% | 4,852 |
| Return on assets (ROA) | 0.4545% | 4,967 |
| Pretax return on assets | 0.7463% | 4,440 |
| Return on Equity (ROE) | 4.9513% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.9221% | 3,646 |
| Net charge-offs to loans | 0.0061% | 3,119 |
| Credit loss provision to net charge-offs | 5,500.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 197.2000% | 283 |
| Efficiency ratio | 92.5048% | 680 |
| Assets per employee ($millions) | 1.0253% | 6,366 |
| Cash dividends to net income (ytd only)* | 20.7852% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,162 |
| Loan loss allowance to noncurrent loans | 170.6662% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 1,961 |
| Noncurrent loans to loans | 0.7887% | 3,281 |
| Net loans and leases to total assets | 85.9500% | 194 |
| Net loans and leases to deposits | 123.5955% | 61 |
| Net loans and leases to core deposits | 136.3791% | 183 |
| Total domestic deposits to total assets | 69.5414% | 6,152 |
| Equity capital to assets | 9.1445% | 5,144 |
| Core capital (leverage) ratio | 8.7231% | 5,296 |
| Tier 1 risk-based capital ratio | 11.7239% | 5,424 |
| Total risk-based capital ratio | 12.9736% | 5,328 |
| Memoranda: | ||
| Average total assets | $381,101,000 | 1,750 |
| Average earning assets | $347,498,500 | 1,773 |
| Average equity | $34,981,000 | 2,069 |
| Average total loans | $329,912,000 | 1,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 925 |
| Cost of funding earning assets | 0.7154% | 1,029 |
| Net interest margin | 4.1853% | 1,345 |
| Noninterest income to average assets | 12.6168% | 57 |
| Noninterest expense to average assets | 15.4237% | 48 |
| Loan and lease loss provision to assets | 0.1651% | 1,586 |
| Net operating income to assets | 0.4896% | 4,848 |
| Return on assets (ROA) | 0.4896% | 4,936 |
| Pretax return on assets | 0.8215% | 4,185 |
| Return on Equity (ROE) | 5.5210% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.6219% | 2,887 |
| Net charge-offs to loans | 0.1282% | 2,739 |
| Credit loss provision to net charge-offs | 159.7143% | 1,513 |
| Earnings coverage of net charge-offs (x) | 9.5457% | 2,734 |
| Efficiency ratio | 93.9883% | 598 |
| Assets per employee ($millions) | 1.0208% | 6,456 |
| Cash dividends to net income (ytd only)* | 16.2847% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 3,396 |
| Loan loss allowance to noncurrent loans | 190.1750% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 2,238 |
| Noncurrent loans to loans | 0.6862% | 3,626 |
| Net loans and leases to total assets | 84.8813% | 285 |
| Net loans and leases to deposits | 117.1361% | 126 |
| Net loans and leases to core deposits | 129.4542% | 252 |
| Total domestic deposits to total assets | 72.4638% | 6,050 |
| Equity capital to assets | 9.2139% | 5,051 |
| Core capital (leverage) ratio | 8.2749% | 5,794 |
| Tier 1 risk-based capital ratio | 11.7215% | 5,532 |
| Total risk-based capital ratio | 12.9759% | 5,436 |
| Memoranda: | ||
| Average total assets | $338,660,400 | 1,921 |
| Average earning assets | $306,954,200 | 1,957 |
| Average equity | $30,030,800 | 2,268 |
| Average total loans | $273,086,200 | 1,558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 959 |
| Cost of funding earning assets | 0.6830% | 1,238 |
| Net interest margin | 4.2020% | 1,287 |
| Noninterest income to average assets | 14.2780% | 53 |
| Noninterest expense to average assets | 16.7622% | 43 |
| Loan and lease loss provision to assets | 0.2201% | 1,039 |
| Net operating income to assets | 0.6648% | 4,129 |
| Return on assets (ROA) | 0.6648% | 4,231 |
| Pretax return on assets | 1.0990% | 3,188 |
| Return on Equity (ROE) | 7.5824% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.7502% | 1,956 |
| Net charge-offs to loans | 0.0538% | 3,444 |
| Credit loss provision to net charge-offs | 517.1429% | 550 |
| Earnings coverage of net charge-offs (x) | 30.9897% | 1,343 |
| Efficiency ratio | 92.7045% | 661 |
| Assets per employee ($millions) | 0.9476% | 6,538 |
| Cash dividends to net income (ytd only)* | 10.9754% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 2,787 |
| Loan loss allowance to noncurrent loans | 266.4281% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 2,684 |
| Noncurrent loans to loans | 0.5582% | 4,246 |
| Net loans and leases to total assets | 78.0811% | 949 |
| Net loans and leases to deposits | 98.5522% | 696 |
| Net loans and leases to core deposits | 107.9841% | 853 |
| Total domestic deposits to total assets | 79.2282% | 5,275 |
| Equity capital to assets | 7.8658% | 6,191 |
| Core capital (leverage) ratio | 7.3094% | 6,329 |
| Tier 1 risk-based capital ratio | 10.7165% | 6,123 |
| Total risk-based capital ratio | 11.9736% | 6,070 |
| Memoranda: | ||
| Average total assets | $328,898,000 | 1,982 |
| Average earning assets | $297,691,750 | 2,025 |
| Average equity | $28,838,000 | 2,366 |
| Average total loans | $260,146,750 | 1,635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 924 |
| Cost of funding earning assets | 0.6386% | 1,602 |
| Net interest margin | 4.2516% | 1,134 |
| Noninterest income to average assets | 14.5813% | 51 |
| Noninterest expense to average assets | 17.2015% | 41 |
| Loan and lease loss provision to assets | 0.2697% | 773 |
| Net operating income to assets | 0.5625% | 4,532 |
| Return on assets (ROA) | 0.5625% | 4,635 |
| Pretax return on assets | 0.9360% | 3,739 |
| Return on Equity (ROE) | 6.1587% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.5274% | 2,621 |
| Net charge-offs to loans | 0.0738% | 2,963 |
| Credit loss provision to net charge-offs | 462.6374% | 619 |
| Earnings coverage of net charge-offs (x) | 20.6813% | 1,573 |
| Efficiency ratio | 93.4498% | 672 |
| Assets per employee ($millions) | 0.8870% | 6,607 |
| Cash dividends to net income (ytd only)* | 10.2506% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 3,296 |
| Loan loss allowance to noncurrent loans | 356.5004% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 2,948 |
| Noncurrent loans to loans | 0.3956% | 4,807 |
| Net loans and leases to total assets | 84.0171% | 298 |
| Net loans and leases to deposits | 121.8519% | 72 |
| Net loans and leases to core deposits | 136.0300% | 169 |
| Total domestic deposits to total assets | 68.9502% | 6,388 |
| Equity capital to assets | 8.0380% | 6,133 |
| Core capital (leverage) ratio | 7.6968% | 6,250 |
| Tier 1 risk-based capital ratio | 11.2364% | 5,939 |
| Total risk-based capital ratio | 12.4943% | 5,880 |
| Memoranda: | ||
| Average total assets | $312,181,670 | 2,096 |
| Average earning assets | $280,926,330 | 2,134 |
| Average equity | $28,512,330 | 2,373 |
| Average total loans | $246,718,330 | 1,716 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,307 |
| Cost of funding earning assets | 0.6181% | 1,832 |
| Net interest margin | 4.0610% | 1,570 |
| Noninterest income to average assets | 14.0098% | 54 |
| Noninterest expense to average assets | 16.6338% | 42 |
| Loan and lease loss provision to assets | 0.3625% | 479 |
| Net operating income to assets | 0.3667% | 5,247 |
| Return on assets (ROA) | 0.3667% | 5,311 |
| Pretax return on assets | 0.6316% | 4,716 |
| Return on Equity (ROE) | 3.7320% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.7320% | 3,892 |
| Net charge-offs to loans | 0.0223% | 3,132 |
| Credit loss provision to net charge-offs | 2,166.6667% | 162 |
| Earnings coverage of net charge-offs (x) | 59.4167% | 661 |
| Efficiency ratio | 94.3605% | 731 |
| Assets per employee ($millions) | 0.7086% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,180 |
| Loan loss allowance to noncurrent loans | 287.6933% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 2,430 |
| Noncurrent loans to loans | 0.6099% | 4,334 |
| Net loans and leases to total assets | 80.8706% | 470 |
| Net loans and leases to deposits | 118.8843% | 80 |
| Net loans and leases to core deposits | 127.3564% | 212 |
| Total domestic deposits to total assets | 68.0246% | 6,514 |
| Equity capital to assets | 9.5625% | 4,413 |
| Core capital (leverage) ratio | 9.5834% | 4,155 |
| Tier 1 risk-based capital ratio | 11.8951% | 5,714 |
| Total risk-based capital ratio | 13.1552% | 5,627 |
| Memoranda: | ||
| Average total assets | $286,885,000 | 2,255 |
| Average earning assets | $255,603,500 | 2,320 |
| Average equity | $28,188,500 | 2,390 |
| Average total loans | $215,501,000 | 1,927 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 2,329 |
| Cost of funding earning assets | 0.6270% | 2,416 |
| Net interest margin | 3.8414% | 2,500 |
| Noninterest income to average assets | 19.7046% | 38 |
| Noninterest expense to average assets | 20.3753% | 36 |
| Loan and lease loss provision to assets | 0.4471% | 649 |
| Net operating income to assets | 1.4568% | 902 |
| Return on assets (ROA) | 1.4568% | 947 |
| Pretax return on assets | 2.3198% | 259 |
| Return on Equity (ROE) | 14.5262% | 847 |
| Retained earnings to average equity (ytd only) | 8.0184% | 1,050 |
| Net charge-offs to loans | 0.4733% | 1,407 |
| Credit loss provision to net charge-offs | 125.8799% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.7899% | 2,785 |
| Efficiency ratio | 88.0440% | 1,214 |
| Assets per employee ($millions) | 0.6470% | 6,767 |
| Cash dividends to net income (ytd only)* | 44.8006% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,249 |
| Loan loss allowance to noncurrent loans | 356.9531% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 1.5957% | 2,331 |
| Noncurrent loans to loans | 0.6032% | 4,470 |
| Net loans and leases to total assets | 65.9848% | 2,693 |
| Net loans and leases to deposits | 92.9077% | 968 |
| Net loans and leases to core deposits | 98.7811% | 1,252 |
| Total domestic deposits to total assets | 71.0219% | 6,479 |
| Equity capital to assets | 10.1066% | 3,629 |
| Core capital (leverage) ratio | 9.7906% | 3,849 |
| Tier 1 risk-based capital ratio | 13.4999% | 4,653 |
| Total risk-based capital ratio | 14.7617% | 4,589 |
| Memoranda: | ||
| Average total assets | $271,967,000 | 2,333 |
| Average earning assets | $243,375,400 | 2,395 |
| Average equity | $27,274,800 | 2,433 |
| Average total loans | $204,088,400 | 1,970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,982 |
| Cost of funding earning assets | 0.6315% | 2,531 |
| Net interest margin | 3.9363% | 2,158 |
| Noninterest income to average assets | 21.4462% | 34 |
| Noninterest expense to average assets | 22.6407% | 32 |
| Loan and lease loss provision to assets | 0.4834% | 574 |
| Net operating income to assets | 1.1763% | 1,715 |
| Return on assets (ROA) | 1.1763% | 1,785 |
| Pretax return on assets | 1.8514% | 797 |
| Return on Equity (ROE) | 11.7523% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.7523% | 459 |
| Net charge-offs to loans | 0.3623% | 1,747 |
| Credit loss provision to net charge-offs | 173.3216% | 1,376 |
| Earnings coverage of net charge-offs (x) | 8.3710% | 2,631 |
| Efficiency ratio | 90.6517% | 942 |
| Assets per employee ($millions) | 0.6450% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 1,156 |
| Loan loss allowance to noncurrent loans | 210.1703% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.5930% | 2,553 |
| Noncurrent loans to loans | 1.1034% | 3,587 |
| Net loans and leases to total assets | 64.7695% | 2,855 |
| Net loans and leases to deposits | 91.6507% | 1,008 |
| Net loans and leases to core deposits | 97.2312% | 1,292 |
| Total domestic deposits to total assets | 70.6700% | 6,568 |
| Equity capital to assets | 10.3238% | 3,478 |
| Core capital (leverage) ratio | 9.5520% | 4,330 |
| Tier 1 risk-based capital ratio | 14.5857% | 4,023 |
| Total risk-based capital ratio | 15.8496% | 3,967 |
| Memoranda: | ||
| Average total assets | $270,568,500 | 2,354 |
| Average earning assets | $242,587,750 | 2,418 |
| Average equity | $27,080,500 | 2,475 |
| Average total loans | $208,316,000 | 1,946 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,600 |
| Cost of funding earning assets | 0.6366% | 2,624 |
| Net interest margin | 4.0519% | 1,688 |
| Noninterest income to average assets | 24.0230% | 33 |
| Noninterest expense to average assets | 24.9555% | 28 |
| Loan and lease loss provision to assets | 0.6160% | 407 |
| Net operating income to assets | 1.3202% | 1,272 |
| Return on assets (ROA) | 1.3202% | 1,352 |
| Pretax return on assets | 2.0940% | 500 |
| Return on Equity (ROE) | 13.3315% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.3315% | 348 |
| Net charge-offs to loans | 0.3495% | 1,796 |
| Credit loss provision to net charge-offs | 218.6842% | 1,109 |
| Earnings coverage of net charge-offs (x) | 9.6211% | 2,254 |
| Efficiency ratio | 90.2044% | 1,045 |
| Assets per employee ($millions) | 0.6152% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 1,864 |
| Loan loss allowance to noncurrent loans | 163.7384% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 2,634 |
| Noncurrent loans to loans | 1.2177% | 3,519 |
| Net loans and leases to total assets | 77.3500% | 820 |
| Net loans and leases to deposits | 99.1722% | 470 |
| Net loans and leases to core deposits | 107.2206% | 675 |
| Total domestic deposits to total assets | 77.9957% | 5,985 |
| Equity capital to assets | 10.3407% | 3,503 |
| Core capital (leverage) ratio | 9.4021% | 4,387 |
| Tier 1 risk-based capital ratio | 14.0912% | 4,362 |
| Total risk-based capital ratio | 15.3536% | 4,313 |
| Memoranda: | ||
| Average total assets | $269,816,000 | 2,374 |
| Average earning assets | $242,554,670 | 2,423 |
| Average equity | $26,718,670 | 2,514 |
| Average total loans | $217,453,670 | 1,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,194 |
| Cost of funding earning assets | 0.6499% | 2,658 |
| Net interest margin | 3.8439% | 2,304 |
| Noninterest income to average assets | 22.3209% | 34 |
| Noninterest expense to average assets | 23.5241% | 33 |
| Loan and lease loss provision to assets | 0.5194% | 511 |
| Net operating income to assets | 1.1114% | 1,810 |
| Return on assets (ROA) | 1.1114% | 1,920 |
| Pretax return on assets | 1.7699% | 937 |
| Return on Equity (ROE) | 11.4757% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.4757% | 783 |
| Net charge-offs to loans | 0.4744% | 1,260 |
| Credit loss provision to net charge-offs | 134.4828% | 1,478 |
| Earnings coverage of net charge-offs (x) | 5.9272% | 2,305 |
| Efficiency ratio | 91.1311% | 1,057 |
| Assets per employee ($millions) | 0.6019% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 2,687 |
| Loan loss allowance to noncurrent loans | 189.8921% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5249% | 2,970 |
| Noncurrent loans to loans | 0.9378% | 4,261 |
| Net loans and leases to total assets | 80.2273% | 407 |
| Net loans and leases to deposits | 102.0702% | 280 |
| Net loans and leases to core deposits | 111.6672% | 444 |
| Total domestic deposits to total assets | 78.6001% | 6,032 |
| Equity capital to assets | 9.9753% | 4,179 |
| Core capital (leverage) ratio | 8.7889% | 5,204 |
| Tier 1 risk-based capital ratio | 12.7019% | 5,428 |
| Total risk-based capital ratio | 13.9635% | 5,369 |
| Memoranda: | ||
| Average total assets | $270,293,500 | 2,390 |
| Average earning assets | $245,582,000 | 2,418 |
| Average equity | $26,177,000 | 2,599 |
| Average total loans | $220,083,000 | 1,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 3,255 |
| Cost of funding earning assets | 0.6600% | 3,836 |
| Net interest margin | 3.8764% | 2,921 |
| Noninterest income to average assets | 22.0102% | 35 |
| Noninterest expense to average assets | 21.8752% | 32 |
| Loan and lease loss provision to assets | 1.1521% | 316 |
| Net operating income to assets | 1.5149% | 887 |
| Return on assets (ROA) | 1.5287% | 958 |
| Pretax return on assets | 2.6143% | 216 |
| Return on Equity (ROE) | 16.2592% | 623 |
| Retained earnings to average equity (ytd only) | 16.2592% | 118 |
| Net charge-offs to loans | 0.3972% | 2,666 |
| Credit loss provision to net charge-offs | 350.3632% | 695 |
| Earnings coverage of net charge-offs (x) | 11.3886% | 2,036 |
| Efficiency ratio | 85.3831% | 1,482 |
| Assets per employee ($millions) | 0.6881% | 7,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 2,945 |
| Loan loss allowance to noncurrent loans | 175.1622% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 3,191 |
| Noncurrent loans to loans | 0.9684% | 4,260 |
| Net loans and leases to total assets | 79.7967% | 494 |
| Net loans and leases to deposits | 102.2630% | 320 |
| Net loans and leases to core deposits | 114.6961% | 392 |
| Total domestic deposits to total assets | 78.0308% | 6,074 |
| Equity capital to assets | 9.4030% | 4,995 |
| Core capital (leverage) ratio | 8.4900% | 5,626 |
| Tier 1 risk-based capital ratio | 12.5348% | 5,447 |
| Total risk-based capital ratio | 13.7964% | 5,393 |
| Memoranda: | ||
| Average total assets | $251,197,400 | 2,518 |
| Average earning assets | $233,931,200 | 2,467 |
| Average equity | $23,617,400 | 2,786 |
| Average total loans | $207,932,200 | 1,941 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 3,787 |
| Cost of funding earning assets | 0.6582% | 4,120 |
| Net interest margin | 3.8006% | 3,333 |
| Noninterest income to average assets | 20.1548% | 39 |
| Noninterest expense to average assets | 20.3248% | 34 |
| Loan and lease loss provision to assets | 1.2732% | 278 |
| Net operating income to assets | 1.2278% | 1,641 |
| Return on assets (ROA) | 1.2466% | 1,753 |
| Pretax return on assets | 2.1350% | 536 |
| Return on Equity (ROE) | 13.2590% | 1,279 |
| Retained earnings to average equity (ytd only) | 13.2590% | 371 |
| Net charge-offs to loans | 0.3160% | 2,865 |
| Credit loss provision to net charge-offs | 484.0909% | 554 |
| Earnings coverage of net charge-offs (x) | 12.8471% | 1,966 |
| Efficiency ratio | 85.7454% | 1,403 |
| Assets per employee ($millions) | 0.6797% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,381 |
| Loan loss allowance to noncurrent loans | 99.3324% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 3,196 |
| Noncurrent loans to loans | 1.6471% | 3,320 |
| Net loans and leases to total assets | 82.0446% | 342 |
| Net loans and leases to deposits | 113.9365% | 112 |
| Net loans and leases to core deposits | 129.3913% | 196 |
| Total domestic deposits to total assets | 72.0090% | 6,739 |
| Equity capital to assets | 9.3075% | 5,455 |
| Core capital (leverage) ratio | 8.4863% | 5,767 |
| Tier 1 risk-based capital ratio | 12.6032% | 5,563 |
| Total risk-based capital ratio | 13.8645% | 5,512 |
| Memoranda: | ||
| Average total assets | $245,362,000 | 2,598 |
| Average earning assets | $229,114,000 | 2,536 |
| Average equity | $23,068,000 | 2,871 |
| Average total loans | $204,202,000 | 1,990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 3,823 |
| Cost of funding earning assets | 0.6536% | 4,410 |
| Net interest margin | 3.8329% | 3,208 |
| Noninterest income to average assets | 18.2573% | 46 |
| Noninterest expense to average assets | 18.8325% | 44 |
| Loan and lease loss provision to assets | 1.1770% | 358 |
| Net operating income to assets | 1.0932% | 2,064 |
| Return on assets (ROA) | 1.1220% | 2,186 |
| Pretax return on assets | 1.8856% | 870 |
| Return on Equity (ROE) | 11.8910% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.8910% | 602 |
| Net charge-offs to loans | 0.1995% | 3,386 |
| Credit loss provision to net charge-offs | 709.5477% | 448 |
| Earnings coverage of net charge-offs (x) | 18.1910% | 1,497 |
| Efficiency ratio | 86.1895% | 1,415 |
| Assets per employee ($millions) | 0.6921% | 7,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,696 |
| Loan loss allowance to noncurrent loans | 69.7663% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7140% | 3,151 |
| Noncurrent loans to loans | 1.9232% | 3,039 |
| Net loans and leases to total assets | 84.9281% | 180 |
| Net loans and leases to deposits | 119.8399% | 71 |
| Net loans and leases to core deposits | 139.3507% | 154 |
| Total domestic deposits to total assets | 70.8680% | 6,862 |
| Equity capital to assets | 9.2178% | 5,442 |
| Core capital (leverage) ratio | 9.0114% | 4,897 |
| Tier 1 risk-based capital ratio | 11.8142% | 6,048 |
| Total risk-based capital ratio | 13.0698% | 6,016 |
| Memoranda: | ||
| Average total assets | $239,926,000 | 2,658 |
| Average earning assets | $224,897,670 | 2,587 |
| Average equity | $22,639,000 | 2,896 |
| Average total loans | $199,517,000 | 2,030 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 3,740 |
| Cost of funding earning assets | 0.6302% | 4,889 |
| Net interest margin | 3.9146% | 2,863 |
| Noninterest income to average assets | 16.4167% | 45 |
| Noninterest expense to average assets | 18.0443% | 39 |
| Loan and lease loss provision to assets | 0.7581% | 668 |
| Net operating income to assets | 0.7485% | 3,632 |
| Return on assets (ROA) | 0.8078% | 3,579 |
| Pretax return on assets | 1.3721% | 2,278 |
| Return on Equity (ROE) | 8.4549% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.4549% | 1,798 |
| Net charge-offs to loans | 0.1619% | 3,118 |
| Credit loss provision to net charge-offs | 574.0260% | 593 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,418 |
| Efficiency ratio | 89.8540% | 1,110 |
| Assets per employee ($millions) | 0.6706% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,703 |
| Loan loss allowance to noncurrent loans | 44.4017% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.1342% | 2,745 |
| Noncurrent loans to loans | 2.5944% | 2,512 |
| Net loans and leases to total assets | 81.3123% | 318 |
| Net loans and leases to deposits | 103.3579% | 275 |
| Net loans and leases to core deposits | 122.8523% | 273 |
| Total domestic deposits to total assets | 78.6706% | 6,152 |
| Equity capital to assets | 10.2559% | 3,785 |
| Core capital (leverage) ratio | 8.6832% | 5,328 |
| Tier 1 risk-based capital ratio | 12.9811% | 5,234 |
| Total risk-based capital ratio | 14.2311% | 5,203 |
| Memoranda: | ||
| Average total assets | $233,226,000 | 2,738 |
| Average earning assets | $218,359,500 | 2,671 |
| Average equity | $22,283,000 | 2,944 |
| Average total loans | $190,240,000 | 2,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 3,839 |
| Cost of funding earning assets | 0.9052% | 4,078 |
| Net interest margin | 3.8883% | 3,386 |
| Noninterest income to average assets | 13.5929% | 46 |
| Noninterest expense to average assets | 15.2146% | 44 |
| Loan and lease loss provision to assets | 0.6510% | 1,565 |
| Net operating income to assets | 0.8314% | 2,907 |
| Return on assets (ROA) | 0.8432% | 3,015 |
| Pretax return on assets | 1.3541% | 1,936 |
| Return on Equity (ROE) | 8.5638% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.5638% | 909 |
| Net charge-offs to loans | 0.5742% | 2,730 |
| Credit loss provision to net charge-offs | 150.5481% | 1,873 |
| Earnings coverage of net charge-offs (x) | 4.5944% | 3,052 |
| Efficiency ratio | 88.4504% | 1,322 |
| Assets per employee ($millions) | 0.7797% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 6,633 |
| Loan loss allowance to noncurrent loans | 39.5247% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 3,238 |
| Noncurrent loans to loans | 2.1660% | 2,988 |
| Net loans and leases to total assets | 80.2628% | 466 |
| Net loans and leases to deposits | 124.3247% | 72 |
| Net loans and leases to core deposits | 150.2549% | 134 |
| Total domestic deposits to total assets | 64.5590% | 7,164 |
| Equity capital to assets | 8.9318% | 5,635 |
| Core capital (leverage) ratio | 8.7677% | 5,149 |
| Tier 1 risk-based capital ratio | 12.0886% | 5,770 |
| Total risk-based capital ratio | 13.1590% | 5,874 |
| Memoranda: | ||
| Average total assets | $189,863,200 | 3,187 |
| Average earning assets | $176,196,800 | 3,145 |
| Average equity | $18,695,000 | 3,326 |
| Average total loans | $142,971,800 | 2,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 2,305 |
| Cost of funding earning assets | 0.9862% | 3,778 |
| Net interest margin | 4.1854% | 2,161 |
| Noninterest income to average assets | 12.2622% | 53 |
| Noninterest expense to average assets | 14.7444% | 46 |
| Loan and lease loss provision to assets | 0.5195% | 1,907 |
| Net operating income to assets | 0.8666% | 2,876 |
| Return on assets (ROA) | 0.8932% | 2,918 |
| Pretax return on assets | 0.8932% | 3,794 |
| Return on Equity (ROE) | 8.7842% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.7842% | 1,220 |
| Net charge-offs to loans | 0.6092% | 2,421 |
| Credit loss provision to net charge-offs | 116.3265% | 2,812 |
| Earnings coverage of net charge-offs (x) | 3.1037% | 3,584 |
| Efficiency ratio | 91.4065% | 1,080 |
| Assets per employee ($millions) | 0.7800% | 7,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,690 |
| Loan loss allowance to noncurrent loans | 31.5242% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1894% | 2,910 |
| Noncurrent loans to loans | 2.7440% | 2,549 |
| Net loans and leases to total assets | 75.5773% | 1,042 |
| Net loans and leases to deposits | 110.1293% | 177 |
| Net loans and leases to core deposits | 139.1520% | 182 |
| Total domestic deposits to total assets | 68.6260% | 7,109 |
| Equity capital to assets | 10.2680% | 4,003 |
| Core capital (leverage) ratio | 10.1687% | 3,223 |
| Tier 1 risk-based capital ratio | 13.9957% | 4,355 |
| Total risk-based capital ratio | 15.0270% | 4,477 |
| Memoranda: | ||
| Average total assets | $175,538,250 | 3,421 |
| Average earning assets | $162,241,000 | 3,381 |
| Average equity | $17,849,750 | 3,446 |
| Average total loans | $128,691,500 | 3,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 2,938 |
| Cost of funding earning assets | 1.0637% | 3,515 |
| Net interest margin | 3.9845% | 2,917 |
| Noninterest income to average assets | 10.1082% | 66 |
| Noninterest expense to average assets | 13.0779% | 54 |
| Loan and lease loss provision to assets | 0.2726% | 3,209 |
| Net operating income to assets | 0.4352% | 4,792 |
| Return on assets (ROA) | 0.4780% | 4,745 |
| Pretax return on assets | 0.4780% | 5,139 |
| Return on Equity (ROE) | 4.7209% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.7209% | 3,184 |
| Net charge-offs to loans | 0.4513% | 2,771 |
| Credit loss provision to net charge-offs | 83.8346% | 3,650 |
| Earnings coverage of net charge-offs (x) | 2.1767% | 3,754 |
| Efficiency ratio | 94.8652% | 931 |
| Assets per employee ($millions) | 0.6467% | 7,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 6,378 |
| Loan loss allowance to noncurrent loans | 36.5144% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 2,940 |
| Noncurrent loans to loans | 2.7045% | 2,692 |
| Net loans and leases to total assets | 75.1246% | 1,220 |
| Net loans and leases to deposits | 102.6011% | 363 |
| Net loans and leases to core deposits | 142.5626% | 173 |
| Total domestic deposits to total assets | 73.2201% | 6,905 |
| Equity capital to assets | 9.9137% | 4,259 |
| Core capital (leverage) ratio | 8.6833% | 5,252 |
| Tier 1 risk-based capital ratio | 11.5561% | 6,127 |
| Total risk-based capital ratio | 12.5990% | 6,275 |
| Memoranda: | ||
| Average total assets | $163,589,330 | 3,621 |
| Average earning assets | $150,984,000 | 3,610 |
| Average equity | $16,564,670 | 3,641 |
| Average total loans | $117,871,000 | 3,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 2,016 |
| Cost of funding earning assets | 1.0987% | 3,532 |
| Net interest margin | 4.1589% | 2,041 |
| Noninterest income to average assets | 8.9460% | 75 |
| Noninterest expense to average assets | 11.9923% | 63 |
| Loan and lease loss provision to assets | 0.3366% | 2,538 |
| Net operating income to assets | 0.4578% | 4,672 |
| Return on assets (ROA) | 0.4479% | 4,811 |
| Pretax return on assets | 0.4479% | 5,195 |
| Return on Equity (ROE) | 4.3761% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.3761% | 3,545 |
| Net charge-offs to loans | 0.3320% | 2,727 |
| Credit loss provision to net charge-offs | 144.6809% | 1,958 |
| Earnings coverage of net charge-offs (x) | 3.4149% | 2,747 |
| Efficiency ratio | 93.7875% | 1,047 |
| Assets per employee ($millions) | 0.6386% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,544 |
| Loan loss allowance to noncurrent loans | 1,654.3210% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 6,577 |
| Noncurrent loans to loans | 0.0736% | 6,853 |
| Net loans and leases to total assets | 66.7786% | 2,817 |
| Net loans and leases to deposits | 87.2702% | 1,554 |
| Net loans and leases to core deposits | 119.8138% | 420 |
| Total domestic deposits to total assets | 76.5194% | 6,601 |
| Equity capital to assets | 10.1485% | 3,594 |
| Core capital (leverage) ratio | 8.5075% | 5,438 |
| Tier 1 risk-based capital ratio | 11.9651% | 5,729 |
| Total risk-based capital ratio | 13.1358% | 5,790 |
| Memoranda: | ||
| Average total assets | $161,636,500 | 3,677 |
| Average earning assets | $149,271,000 | 3,657 |
| Average equity | $16,544,500 | 3,630 |
| Average total loans | $113,264,000 | 3,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 2,423 |
| Cost of funding earning assets | 1.2089% | 4,508 |
| Net interest margin | 4.2545% | 1,977 |
| Noninterest income to average assets | 10.0664% | 63 |
| Noninterest expense to average assets | 12.4167% | 64 |
| Loan and lease loss provision to assets | 0.4195% | 3,593 |
| Net operating income to assets | 0.8460% | 2,605 |
| Return on assets (ROA) | 0.8860% | 2,579 |
| Pretax return on assets | 1.2119% | 2,183 |
| Return on Equity (ROE) | 8.8673% | 2,355 |
| Retained earnings to average equity (ytd only) | 7.8986% | 1,013 |
| Net charge-offs to loans | 0.0116% | 6,714 |
| Credit loss provision to net charge-offs | 5,416.6667% | 36 |
| Earnings coverage of net charge-offs (x) | 203.5833% | 122 |
| Efficiency ratio | 88.7336% | 1,418 |
| Assets per employee ($millions) | 0.7292% | 7,607 |
| Cash dividends to net income (ytd only)* | 10.9250% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,900 |
| Loan loss allowance to noncurrent loans | 381.7647% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 6,231 |
| Noncurrent loans to loans | 0.2920% | 6,473 |
| Net loans and leases to total assets | 71.7731% | 2,149 |
| Net loans and leases to deposits | 96.8664% | 793 |
| Net loans and leases to core deposits | 128.6128% | 351 |
| Total domestic deposits to total assets | 74.0949% | 6,883 |
| Equity capital to assets | 10.3240% | 3,360 |
| Core capital (leverage) ratio | 8.3476% | 5,616 |
| Tier 1 risk-based capital ratio | 12.1717% | 5,313 |
| Total risk-based capital ratio | 13.3408% | 5,377 |
| Memoranda: | ||
| Average total assets | $154,960,600 | 3,794 |
| Average earning assets | $143,025,600 | 3,760 |
| Average equity | $15,483,800 | 3,865 |
| Average total loans | $103,417,400 | 3,694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 2,311 |
| Cost of funding earning assets | 1.2214% | 4,732 |
| Net interest margin | 4.3133% | 1,803 |
| Noninterest income to average assets | 9.0080% | 71 |
| Noninterest expense to average assets | 11.5697% | 66 |
| Loan and lease loss provision to assets | 0.4340% | 3,308 |
| Net operating income to assets | 0.9835% | 2,295 |
| Return on assets (ROA) | 1.0573% | 2,153 |
| Pretax return on assets | 1.0573% | 2,972 |
| Return on Equity (ROE) | 10.6741% | 1,881 |
| Retained earnings to average equity (ytd only) | 9.3595% | 944 |
| Net charge-offs to loans | 0.0080% | 6,556 |
| Credit loss provision to net charge-offs | 8,333.3333% | 31 |
| Earnings coverage of net charge-offs (x) | 272.1600% | 118 |
| Efficiency ratio | 89.0850% | 1,358 |
| Assets per employee ($millions) | 0.9375% | 7,702 |
| Cash dividends to net income (ytd only)* | 12.3156% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 6,538 |
| Loan loss allowance to noncurrent loans | 769.3333% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 6,694 |
| Noncurrent loans to loans | 0.1249% | 6,930 |
| Net loans and leases to total assets | 72.1061% | 2,232 |
| Net loans and leases to deposits | 105.4502% | 382 |
| Net loans and leases to core deposits | 153.9168% | 172 |
| Total domestic deposits to total assets | 68.3793% | 7,357 |
| Equity capital to assets | 9.7556% | 4,467 |
| Core capital (leverage) ratio | 8.3635% | 5,764 |
| Tier 1 risk-based capital ratio | 11.6715% | 5,760 |
| Total risk-based capital ratio | 12.7111% | 5,955 |
| Memoranda: | ||
| Average total assets | $153,592,750 | 3,865 |
| Average earning assets | $141,697,250 | 3,840 |
| Average equity | $15,214,000 | 3,951 |
| Average total loans | $100,160,500 | 3,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 2,264 |
| Cost of funding earning assets | 1.2324% | 4,945 |
| Net interest margin | 4.3344% | 1,653 |
| Noninterest income to average assets | 7.6826% | 91 |
| Noninterest expense to average assets | 10.3890% | 74 |
| Loan and lease loss provision to assets | 0.2670% | 4,253 |
| Net operating income to assets | 1.0321% | 2,075 |
| Return on assets (ROA) | 1.1469% | 1,768 |
| Pretax return on assets | 1.1469% | 2,597 |
| Return on Equity (ROE) | 11.5147% | 1,594 |
| Retained earnings to average equity (ytd only) | 9.5040% | 963 |
| Net charge-offs to loans | 0.0021% | 6,354 |
| Credit loss provision to net charge-offs | 20,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 973.0000% | 26 |
| Efficiency ratio | 88.8851% | 1,426 |
| Assets per employee ($millions) | 1.2092% | 7,750 |
| Cash dividends to net income (ytd only)* | 17.4622% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 6,927 |
| Loan loss allowance to noncurrent loans | 321.7228% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 6,884 |
| Noncurrent loans to loans | 0.2624% | 6,707 |
| Net loans and leases to total assets | 65.6954% | 3,900 |
| Net loans and leases to deposits | 86.4244% | 2,439 |
| Net loans and leases to core deposits | 122.2966% | 618 |
| Total domestic deposits to total assets | 76.0148% | 6,689 |
| Equity capital to assets | 10.1033% | 3,887 |
| Core capital (leverage) ratio | 8.4713% | 5,459 |
| Tier 1 risk-based capital ratio | 12.0497% | 5,267 |
| Total risk-based capital ratio | 12.8707% | 5,613 |
| Memoranda: | ||
| Average total assets | $149,792,670 | 3,956 |
| Average earning assets | $138,426,670 | 3,933 |
| Average equity | $14,920,000 | 4,006 |
| Average total loans | $93,506,000 | 4,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 2,444 |
| Cost of funding earning assets | 1.2461% | 5,134 |
| Net interest margin | 4.2865% | 1,725 |
| Noninterest income to average assets | 6.0256% | 119 |
| Noninterest expense to average assets | 9.2142% | 90 |
| Loan and lease loss provision to assets | 0.2975% | 3,657 |
| Net operating income to assets | 0.4679% | 4,540 |
| Return on assets (ROA) | 0.7005% | 3,553 |
| Pretax return on assets | 0.7005% | 4,229 |
| Return on Equity (ROE) | 7.0852% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.0852% | 2,102 |
| Net charge-offs to loans | -0.0269% | 7,154 |
| Credit loss provision to net charge-offs | -1,833.3333% | 6,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3306% | 1,255 |
| Assets per employee ($millions) | 0.8736% | 7,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,897 |
| Loan loss allowance to noncurrent loans | 2,351.5152% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 7,385 |
| Noncurrent loans to loans | 0.0375% | 7,318 |
| Net loans and leases to total assets | 60.9313% | 4,954 |
| Net loans and leases to deposits | 73.9462% | 4,751 |
| Net loans and leases to core deposits | 173.8815% | 147 |
| Total domestic deposits to total assets | 82.3995% | 4,889 |
| Equity capital to assets | 10.3823% | 3,364 |
| Core capital (leverage) ratio | 8.5946% | 5,213 |
| Tier 1 risk-based capital ratio | 12.6658% | 4,590 |
| Total risk-based capital ratio | 13.4742% | 4,945 |
| Memoranda: | ||
| Average total assets | $147,902,000 | 4,041 |
| Average earning assets | $136,429,500 | 4,026 |
| Average equity | $14,622,000 | 4,091 |
| Average total loans | $89,384,000 | 4,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2839% | 5,267 |
| Cost of funding earning assets | 1.4275% | 5,817 |
| Net interest margin | 3.8564% | 3,454 |
| Noninterest income to average assets | 4.4075% | 156 |
| Noninterest expense to average assets | 7.1516% | 195 |
| Loan and lease loss provision to assets | 0.2799% | 5,183 |
| Net operating income to assets | 0.5751% | 3,426 |
| Return on assets (ROA) | 0.8237% | 2,526 |
| Pretax return on assets | 0.8237% | 3,172 |
| Return on Equity (ROE) | 7.7811% | 2,467 |
| Retained earnings to average equity (ytd only) | 7.7811% | 754 |
| Net charge-offs to loans | 0.5143% | 3,721 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.0546% | 3,545 |
| Efficiency ratio | 89.3209% | 1,761 |
| Assets per employee ($millions) | 1.1134% | 7,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,314 |
| Loan loss allowance to noncurrent loans | 217.8218% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 6,924 |
| Noncurrent loans to loans | 0.3341% | 6,613 |
| Net loans and leases to total assets | 59.0268% | 5,483 |
| Net loans and leases to deposits | 78.7063% | 4,231 |
| Net loans and leases to core deposits | 97.3395% | 4,311 |
| Total domestic deposits to total assets | 74.9962% | 6,870 |
| Equity capital to assets | 9.4204% | 4,526 |
| Core capital (leverage) ratio | 8.6314% | 5,051 |
| Tier 1 risk-based capital ratio | 11.9830% | 4,961 |
| Total risk-based capital ratio | 12.6477% | 5,472 |
| Memoranda: | ||
| Average total assets | $130,754,000 | 4,318 |
| Average earning assets | $122,030,000 | 4,263 |
| Average equity | $13,841,200 | 4,300 |
| Average total loans | $71,166,000 | 4,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 5,938 |
| Cost of funding earning assets | 1.4582% | 6,011 |
| Net interest margin | 3.7269% | 3,962 |
| Noninterest income to average assets | 3.4070% | 191 |
| Noninterest expense to average assets | 6.0735% | 300 |
| Loan and lease loss provision to assets | 0.2713% | 4,798 |
| Net operating income to assets | 0.5458% | 3,807 |
| Return on assets (ROA) | 0.8119% | 2,824 |
| Pretax return on assets | 0.8119% | 3,504 |
| Return on Equity (ROE) | 7.4207% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.4207% | 1,340 |
| Net charge-offs to loans | 0.3158% | 4,064 |
| Credit loss provision to net charge-offs | 162.4204% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.8917% | 2,982 |
| Efficiency ratio | 88.1408% | 1,862 |
| Assets per employee ($millions) | 1.1048% | 8,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,997 |
| Loan loss allowance to noncurrent loans | 190.4523% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 6,696 |
| Noncurrent loans to loans | 0.5522% | 6,211 |
| Net loans and leases to total assets | 52.9162% | 6,509 |
| Net loans and leases to deposits | 67.0307% | 6,208 |
| Net loans and leases to core deposits | 81.9727% | 6,192 |
| Total domestic deposits to total assets | 78.9432% | 5,824 |
| Equity capital to assets | 10.6653% | 3,324 |
| Core capital (leverage) ratio | 9.0468% | 4,583 |
| Tier 1 risk-based capital ratio | 13.2671% | 4,009 |
| Total risk-based capital ratio | 14.1352% | 4,207 |
| Memoranda: | ||
| Average total assets | $125,307,250 | 4,468 |
| Average earning assets | $117,128,250 | 4,402 |
| Average equity | $13,709,000 | 4,360 |
| Average total loans | $66,282,500 | 5,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 6,501 |
| Cost of funding earning assets | 1.5628% | 5,871 |
| Net interest margin | 3.5194% | 4,708 |
| Noninterest income to average assets | 2.6214% | 251 |
| Noninterest expense to average assets | 5.2510% | 441 |
| Loan and lease loss provision to assets | 0.2456% | 4,616 |
| Net operating income to assets | 0.4323% | 4,367 |
| Return on assets (ROA) | 0.8416% | 2,791 |
| Pretax return on assets | 0.8416% | 3,536 |
| Return on Equity (ROE) | 7.6222% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.6222% | 1,343 |
| Net charge-offs to loans | 0.1026% | 5,134 |
| Credit loss provision to net charge-offs | 454.5455% | 1,021 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 1,812 |
| Efficiency ratio | 88.5667% | 1,944 |
| Assets per employee ($millions) | 1.5057% | 8,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,473 |
| Loan loss allowance to noncurrent loans | 179.0323% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,534 |
| Noncurrent loans to loans | 0.6242% | 6,002 |
| Net loans and leases to total assets | 55.0148% | 6,335 |
| Net loans and leases to deposits | 68.9368% | 6,098 |
| Net loans and leases to core deposits | 80.0102% | 6,408 |
| Total domestic deposits to total assets | 79.8048% | 5,537 |
| Equity capital to assets | 10.9602% | 2,954 |
| Core capital (leverage) ratio | 9.3773% | 4,059 |
| Tier 1 risk-based capital ratio | 14.0304% | 3,504 |
| Total risk-based capital ratio | 14.9921% | 3,599 |
| Memoranda: | ||
| Average total assets | $122,148,670 | 4,578 |
| Average earning assets | $114,791,330 | 4,495 |
| Average equity | $13,487,000 | 4,423 |
| Average total loans | $64,350,000 | 5,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 5,399 |
| Cost of funding earning assets | 1.6283% | 5,910 |
| Net interest margin | 3.7771% | 3,548 |
| Noninterest income to average assets | 1.6664% | 491 |
| Noninterest expense to average assets | 4.6216% | 642 |
| Loan and lease loss provision to assets | 0.3479% | 3,236 |
| Net operating income to assets | 0.2551% | 5,469 |
| Return on assets (ROA) | 1.0833% | 2,149 |
| Pretax return on assets | 1.0833% | 3,051 |
| Return on Equity (ROE) | 9.7743% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.7743% | 1,259 |
| Net charge-offs to loans | 0.2137% | 3,356 |
| Credit loss provision to net charge-offs | 318.1818% | 1,546 |
| Earnings coverage of net charge-offs (x) | 5.5152% | 2,661 |
| Efficiency ratio | 88.4591% | 1,854 |
| Assets per employee ($millions) | 1.9298% | 7,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,180 |
| Loan loss allowance to noncurrent loans | 115.2756% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 5,791 |
| Noncurrent loans to loans | 0.9895% | 5,018 |
| Net loans and leases to total assets | 53.8907% | 6,476 |
| Net loans and leases to deposits | 68.4392% | 6,139 |
| Net loans and leases to core deposits | 78.0663% | 6,534 |
| Total domestic deposits to total assets | 78.7424% | 5,811 |
| Equity capital to assets | 11.5403% | 2,565 |
| Core capital (leverage) ratio | 9.1692% | 4,452 |
| Tier 1 risk-based capital ratio | 15.3875% | 2,899 |
| Total risk-based capital ratio | 16.3978% | 2,942 |
| Memoranda: | ||
| Average total assets | $120,738,000 | 4,632 |
| Average earning assets | $113,739,000 | 4,539 |
| Average equity | $13,382,000 | 4,482 |
| Average total loans | $61,760,500 | 5,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0106% | 5,499 |
| Cost of funding earning assets | 1.9122% | 6,695 |
| Net interest margin | 4.0985% | 2,718 |
| Noninterest income to average assets | 1.7686% | 434 |
| Noninterest expense to average assets | 4.6247% | 799 |
| Loan and lease loss provision to assets | 0.1715% | 5,187 |
| Net operating income to assets | 0.8041% | 3,421 |
| Return on assets (ROA) | 0.8182% | 3,198 |
| Pretax return on assets | 0.8182% | 4,000 |
| Return on Equity (ROE) | 7.1079% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,119 |
| Net charge-offs to loans | 0.0505% | 6,067 |
| Credit loss provision to net charge-offs | 586.2069% | 745 |
| Earnings coverage of net charge-offs (x) | 33.3448% | 1,084 |
| Efficiency ratio | 82.5797% | 2,227 |
| Assets per employee ($millions) | 4.9503% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,183 |
| Loan loss allowance to noncurrent loans | 140.1274% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 6,027 |
| Noncurrent loans to loans | 0.7936% | 5,056 |
| Net loans and leases to total assets | 47.4232% | 7,229 |
| Net loans and leases to deposits | 61.5683% | 6,983 |
| Net loans and leases to core deposits | 66.7182% | 7,337 |
| Total domestic deposits to total assets | 77.0253% | 5,982 |
| Equity capital to assets | 10.6490% | 3,348 |
| Core capital (leverage) ratio | 10.8878% | 2,680 |
| Tier 1 risk-based capital ratio | 15.3011% | 2,919 |
| Total risk-based capital ratio | 16.2343% | 2,968 |
| Memoranda: | ||
| Average total assets | $99,119,400 | 5,081 |
| Average earning assets | $92,669,000 | 5,011 |
| Average equity | $11,409,800 | 4,999 |
| Average total loans | $57,389,400 | 5,387 |