Home > Finance Factors, Ltd. > Performance and Condition Ratios
Finance Factors, Ltd., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 1,114 |
| Cost of funding earning assets | 2.5383% | 341 |
| Net interest margin | 2.9954% | 3,293 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.7039% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4252% | 3,813 |
| Return on assets (ROA) | 0.4252% | 3,815 |
| Pretax return on assets | 0.5332% | 3,757 |
| Return on Equity (ROE) | 3.9600% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.5055% | 3,441 |
| Net charge-offs to loans | -0.0002% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.5286% | 686 |
| Assets per employee ($millions) | 5.7130% | 3,060 |
| Cash dividends to net income (ytd only)* | 36.7107% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4009% | 219 |
| Loan loss allowance to noncurrent loans | 1,560.2136% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,799 |
| Noncurrent loans to loans | 0.1539% | 2,744 |
| Net loans and leases to total assets | 70.4700% | 1,757 |
| Net loans and leases to deposits | 87.6400% | 1,470 |
| Net loans and leases to core deposits | 99.3222% | 1,465 |
| Total domestic deposits to total assets | 80.4100% | 3,400 |
| Equity capital to assets | 10.4465% | 1,752 |
| Core capital (leverage) ratio | 11.3889% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2138% | 1,223 |
| Memoranda: | ||
| Average total assets | $640,679,000 | 1,397 |
| Average earning assets | $560,065,000 | 1,468 |
| Average equity | $68,808,000 | 1,265 |
| Average total loans | $458,994,200 | 1,328 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 1,105 |
| Cost of funding earning assets | 2.3069% | 401 |
| Net interest margin | 3.1119% | 3,120 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.7798% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3701% | 4,008 |
| Return on assets (ROA) | 0.3701% | 4,010 |
| Pretax return on assets | 0.4614% | 3,973 |
| Return on Equity (ROE) | 3.4200% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.4462% | 3,640 |
| Net charge-offs to loans | -0.0168% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.7654% | 526 |
| Assets per employee ($millions) | 5.6529% | 3,062 |
| Cash dividends to net income (ytd only)* | 28.4900% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4261% | 217 |
| Loan loss allowance to noncurrent loans | 1,748.2143% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,906 |
| Noncurrent loans to loans | 0.1388% | 2,859 |
| Net loans and leases to total assets | 70.8300% | 1,726 |
| Net loans and leases to deposits | 90.6902% | 1,178 |
| Net loans and leases to core deposits | 102.9873% | 1,167 |
| Total domestic deposits to total assets | 78.1000% | 3,804 |
| Equity capital to assets | 10.1960% | 1,709 |
| Core capital (leverage) ratio | 11.4935% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3751% | 1,226 |
| Memoranda: | ||
| Average total assets | $632,314,250 | 1,407 |
| Average earning assets | $552,013,750 | 1,488 |
| Average equity | $68,404,000 | 1,260 |
| Average total loans | $452,057,500 | 1,336 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 1,127 |
| Cost of funding earning assets | 2.0544% | 440 |
| Net interest margin | 3.2075% | 2,974 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.7976% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6686% | 3,412 |
| Return on assets (ROA) | 0.6686% | 3,414 |
| Pretax return on assets | 0.8757% | 3,227 |
| Return on Equity (ROE) | 6.0600% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,707 |
| Net charge-offs to loans | -0.0177% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1600% | 1,161 |
| Assets per employee ($millions) | 5.3979% | 3,236 |
| Cash dividends to net income (ytd only)* | 4.8193% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5360% | 212 |
| Loan loss allowance to noncurrent loans | 1,056.1818% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,344 |
| Noncurrent loans to loans | 0.2401% | 2,305 |
| Net loans and leases to total assets | 70.1000% | 1,733 |
| Net loans and leases to deposits | 88.2735% | 1,318 |
| Net loans and leases to core deposits | 99.3859% | 1,272 |
| Total domestic deposits to total assets | 79.4100% | 3,667 |
| Equity capital to assets | 10.8696% | 1,440 |
| Core capital (leverage) ratio | 12.0941% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1345% | 1,097 |
| Memoranda: | ||
| Average total assets | $620,736,333 | 1,430 |
| Average earning assets | $540,486,333 | 1,527 |
| Average equity | $68,534,667 | 1,256 |
| Average total loans | $441,332,333 | 1,341 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 1,146 |
| Cost of funding earning assets | 1.7958% | 455 |
| Net interest margin | 3.2508% | 2,991 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.7847% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6451% | 3,597 |
| Return on assets (ROA) | 0.6451% | 3,560 |
| Pretax return on assets | 0.8429% | 3,358 |
| Return on Equity (ROE) | 5.8000% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.2094% | 2,972 |
| Net charge-offs to loans | -0.0176% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.7639% | 1,104 |
| Assets per employee ($millions) | 5.6097% | 3,107 |
| Cash dividends to net income (ytd only)* | 10.1215% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6458% | 193 |
| Loan loss allowance to noncurrent loans | 1,220.5791% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,433 |
| Noncurrent loans to loans | 0.2168% | 2,394 |
| Net loans and leases to total assets | 69.1300% | 1,715 |
| Net loans and leases to deposits | 89.0855% | 1,127 |
| Net loans and leases to core deposits | 99.6080% | 1,106 |
| Total domestic deposits to total assets | 77.6000% | 4,039 |
| Equity capital to assets | 10.9716% | 1,352 |
| Core capital (leverage) ratio | 12.3522% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2785% | 1,118 |
| Memoranda: | ||
| Average total assets | $612,629,500 | 1,470 |
| Average earning assets | $531,691,000 | 1,564 |
| Average equity | $68,185,000 | 1,272 |
| Average total loans | $432,933,500 | 1,374 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 872 |
| Cost of funding earning assets | 0.5625% | 1,054 |
| Net interest margin | 3.8443% | 1,074 |
| Noninterest income to average assets | -0.5200% | 4,705 |
| Noninterest expense to average assets | 2.9446% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.1175% | 4,595 |
| Return on assets (ROA) | -0.1175% | 4,584 |
| Pretax return on assets | -0.1741% | 4,585 |
| Return on Equity (ROE) | -0.9500% | 4,572 |
| Retained earnings to average equity (ytd only) | -0.9459% | 4,446 |
| Net charge-offs to loans | -0.0957% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 106.2833% | 110 |
| Assets per employee ($millions) | 5.2830% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9698% | 122 |
| Loan loss allowance to noncurrent loans | 1,917.8462% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,762 |
| Noncurrent loans to loans | 0.1549% | 2,721 |
| Net loans and leases to total assets | 68.2300% | 1,805 |
| Net loans and leases to deposits | 88.5585% | 1,139 |
| Net loans and leases to core deposits | 97.8392% | 1,108 |
| Total domestic deposits to total assets | 77.0400% | 4,165 |
| Equity capital to assets | 11.3157% | 1,138 |
| Core capital (leverage) ratio | 13.0171% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7135% | 1,024 |
| Memoranda: | ||
| Average total assets | $562,382,800 | 1,577 |
| Average earning assets | $481,592,800 | 1,670 |
| Average equity | $69,877,800 | 1,255 |
| Average total loans | $389,813,000 | 1,430 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 763 |
| Cost of funding earning assets | 0.3738% | 1,491 |
| Net interest margin | 3.9085% | 786 |
| Noninterest income to average assets | -0.9700% | 4,747 |
| Noninterest expense to average assets | 2.9320% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.4103% | 4,670 |
| Return on assets (ROA) | -0.4103% | 4,657 |
| Pretax return on assets | -0.5601% | 4,664 |
| Return on Equity (ROE) | -3.2200% | 4,637 |
| Retained earnings to average equity (ytd only) | -3.2245% | 4,544 |
| Net charge-offs to loans | -0.1224% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 123.6118% | 60 |
| Assets per employee ($millions) | 4.7749% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2036% | 112 |
| Loan loss allowance to noncurrent loans | 1,106.1333% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,250 |
| Noncurrent loans to loans | 0.2896% | 2,207 |
| Net loans and leases to total assets | 67.8800% | 1,689 |
| Net loans and leases to deposits | 86.8481% | 1,120 |
| Net loans and leases to core deposits | 93.9407% | 1,099 |
| Total domestic deposits to total assets | 78.1600% | 4,245 |
| Equity capital to assets | 12.0463% | 876 |
| Core capital (leverage) ratio | 13.3908% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8941% | 872 |
| Memoranda: | ||
| Average total assets | $553,734,500 | 1,608 |
| Average earning assets | $472,976,500 | 1,698 |
| Average equity | $70,459,250 | 1,254 |
| Average total loans | $382,327,000 | 1,444 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 695 |
| Cost of funding earning assets | 0.3087% | 1,644 |
| Net interest margin | 3.8466% | 681 |
| Noninterest income to average assets | -1.1931% | 4,769 |
| Noninterest expense to average assets | 2.8785% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5776% | 4,687 |
| Return on assets (ROA) | -0.5776% | 4,674 |
| Pretax return on assets | -0.7954% | 4,684 |
| Return on Equity (ROE) | -4.4600% | 4,664 |
| Retained earnings to average equity (ytd only) | -4.4600% | 4,518 |
| Net charge-offs to loans | -0.1688% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1828% | 49 |
| Assets per employee ($millions) | 4.7723% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2991% | 107 |
| Loan loss allowance to noncurrent loans | 664.5610% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 1,614 |
| Noncurrent loans to loans | 0.4964% | 1,632 |
| Net loans and leases to total assets | 67.4744% | 1,530 |
| Net loans and leases to deposits | 82.2817% | 1,229 |
| Net loans and leases to core deposits | 87.5649% | 1,242 |
| Total domestic deposits to total assets | 82.0041% | 3,999 |
| Equity capital to assets | 12.7957% | 702 |
| Core capital (leverage) ratio | 13.6757% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9683% | 857 |
| Memoranda: | ||
| Average total assets | $553,682,667 | 1,616 |
| Average earning assets | $471,585,667 | 1,718 |
| Average equity | $71,704,667 | 1,270 |
| Average total loans | $380,290,000 | 1,440 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 760 |
| Cost of funding earning assets | 0.3011% | 1,649 |
| Net interest margin | 3.7061% | 743 |
| Noninterest income to average assets | -0.5456% | 4,792 |
| Noninterest expense to average assets | 2.8975% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2082% | 4,644 |
| Return on assets (ROA) | -0.2082% | 4,627 |
| Pretax return on assets | -0.2924% | 4,635 |
| Return on Equity (ROE) | -1.5988% | 4,621 |
| Retained earnings to average equity (ytd only) | -1.5988% | 4,211 |
| Net charge-offs to loans | -0.0199% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2237% | 121 |
| Assets per employee ($millions) | 4.8984% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2069% | 130 |
| Loan loss allowance to noncurrent loans | 1,133.9888% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 2,455 |
| Noncurrent loans to loans | 0.2828% | 2,459 |
| Net loans and leases to total assets | 67.2296% | 1,289 |
| Net loans and leases to deposits | 81.3741% | 1,051 |
| Net loans and leases to core deposits | 87.1357% | 1,073 |
| Total domestic deposits to total assets | 82.6180% | 3,997 |
| Equity capital to assets | 13.2067% | 650 |
| Core capital (leverage) ratio | 13.7910% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4260% | 840 |
| Memoranda: | ||
| Average total assets | $560,890,500 | 1,600 |
| Average earning assets | $476,840,000 | 1,710 |
| Average equity | $73,055,500 | 1,286 |
| Average total loans | $382,294,500 | 1,422 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 962 |
| Cost of funding earning assets | 0.3534% | 1,911 |
| Net interest margin | 3.8674% | 889 |
| Noninterest income to average assets | 1.0903% | 869 |
| Noninterest expense to average assets | 3.1153% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9559% | 2,847 |
| Return on assets (ROA) | 0.9577% | 2,909 |
| Pretax return on assets | 1.2561% | 2,501 |
| Return on Equity (ROE) | 7.4196% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.7093% | 2,917 |
| Net charge-offs to loans | -0.0378% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3027% | 1,582 |
| Assets per employee ($millions) | 4.8576% | 3,844 |
| Cash dividends to net income (ytd only)* | 36.5297% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1253% | 136 |
| Loan loss allowance to noncurrent loans | 3,913.5922% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,613 |
| Noncurrent loans to loans | 0.0799% | 3,527 |
| Net loans and leases to total assets | 64.8451% | 1,602 |
| Net loans and leases to deposits | 83.7631% | 916 |
| Net loans and leases to core deposits | 89.8883% | 975 |
| Total domestic deposits to total assets | 77.4149% | 4,442 |
| Equity capital to assets | 12.8539% | 944 |
| Core capital (leverage) ratio | 13.9689% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8918% | 1,066 |
| Memoranda: | ||
| Average total assets | $571,703,600 | 1,506 |
| Average earning assets | $484,692,800 | 1,651 |
| Average equity | $73,790,800 | 1,290 |
| Average total loans | $393,950,000 | 1,397 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 1,009 |
| Cost of funding earning assets | 0.3685% | 1,950 |
| Net interest margin | 3.8999% | 940 |
| Noninterest income to average assets | 1.0227% | 1,034 |
| Noninterest expense to average assets | 3.1179% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9254% | 3,163 |
| Return on assets (ROA) | 0.9254% | 3,238 |
| Pretax return on assets | 1.2067% | 2,905 |
| Return on Equity (ROE) | 7.1622% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.3522% | 3,087 |
| Net charge-offs to loans | -0.0236% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0960% | 1,394 |
| Assets per employee ($millions) | 4.6354% | 4,021 |
| Cash dividends to net income (ytd only)* | 25.2717% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0501% | 146 |
| Loan loss allowance to noncurrent loans | 840.2098% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 2,474 |
| Noncurrent loans to loans | 0.3630% | 2,483 |
| Net loans and leases to total assets | 69.2359% | 1,162 |
| Net loans and leases to deposits | 85.4397% | 864 |
| Net loans and leases to core deposits | 91.9888% | 925 |
| Total domestic deposits to total assets | 81.0349% | 4,088 |
| Equity capital to assets | 13.4839% | 855 |
| Core capital (leverage) ratio | 13.6347% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8477% | 841 |
| Memoranda: | ||
| Average total assets | $570,114,750 | 1,530 |
| Average earning assets | $482,705,250 | 1,671 |
| Average equity | $73,662,750 | 1,311 |
| Average total loans | $395,703,500 | 1,416 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 1,079 |
| Cost of funding earning assets | 0.3880% | 1,987 |
| Net interest margin | 3.8692% | 1,031 |
| Noninterest income to average assets | 1.2879% | 702 |
| Noninterest expense to average assets | 3.0485% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1570% | 2,345 |
| Return on assets (ROA) | 1.1605% | 2,391 |
| Pretax return on assets | 1.5180% | 1,964 |
| Return on Equity (ROE) | 9.1087% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.7468% | 2,171 |
| Net charge-offs to loans | 0.0560% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 39.2883% | 1,177 |
| Efficiency ratio | 66.8239% | 2,038 |
| Assets per employee ($millions) | 4.5465% | 4,068 |
| Cash dividends to net income (ytd only)* | 14.9522% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9740% | 156 |
| Loan loss allowance to noncurrent loans | 628.3590% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 2,247 |
| Noncurrent loans to loans | 0.4733% | 2,253 |
| Net loans and leases to total assets | 69.0283% | 1,321 |
| Net loans and leases to deposits | 85.8008% | 924 |
| Net loans and leases to core deposits | 91.9144% | 1,010 |
| Total domestic deposits to total assets | 80.4518% | 4,159 |
| Equity capital to assets | 13.3367% | 859 |
| Core capital (leverage) ratio | 13.5070% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4742% | 892 |
| Memoranda: | ||
| Average total assets | $576,283,667 | 1,509 |
| Average earning assets | $487,641,333 | 1,644 |
| Average equity | $73,424,333 | 1,311 |
| Average total loans | $396,296,000 | 1,424 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 1,236 |
| Cost of funding earning assets | 0.4194% | 1,942 |
| Net interest margin | 3.7589% | 1,220 |
| Noninterest income to average assets | 1.2202% | 827 |
| Noninterest expense to average assets | 2.9555% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0903% | 2,506 |
| Return on assets (ROA) | 1.0903% | 2,579 |
| Pretax return on assets | 1.4644% | 2,091 |
| Return on Equity (ROE) | 8.7528% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.7528% | 2,029 |
| Net charge-offs to loans | -0.0253% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8678% | 2,102 |
| Assets per employee ($millions) | 4.8385% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0126% | 146 |
| Loan loss allowance to noncurrent loans | 749.4678% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 2,777 |
| Noncurrent loans to loans | 0.4020% | 2,662 |
| Net loans and leases to total assets | 66.3645% | 1,749 |
| Net loans and leases to deposits | 85.5933% | 988 |
| Net loans and leases to core deposits | 91.4120% | 1,147 |
| Total domestic deposits to total assets | 77.5347% | 4,475 |
| Equity capital to assets | 12.6703% | 1,004 |
| Core capital (leverage) ratio | 12.6196% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2791% | 880 |
| Memoranda: | ||
| Average total assets | $584,814,000 | 1,482 |
| Average earning assets | $497,803,500 | 1,594 |
| Average equity | $72,845,500 | 1,311 |
| Average total loans | $395,517,000 | 1,429 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,077 |
| Cost of funding earning assets | 0.9332% | 757 |
| Net interest margin | 3.6798% | 1,869 |
| Noninterest income to average assets | 0.9387% | 1,173 |
| Noninterest expense to average assets | 3.1839% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7136% | 3,389 |
| Return on assets (ROA) | 0.7136% | 3,521 |
| Pretax return on assets | 0.9433% | 3,243 |
| Return on Equity (ROE) | 5.9390% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.1001% | 3,293 |
| Net charge-offs to loans | -0.0988% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1437% | 1,106 |
| Assets per employee ($millions) | 4.9496% | 3,442 |
| Cash dividends to net income (ytd only)* | 47.8011% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0335% | 140 |
| Loan loss allowance to noncurrent loans | 761.7347% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,973 |
| Noncurrent loans to loans | 0.3982% | 2,779 |
| Net loans and leases to total assets | 64.8200% | 2,253 |
| Net loans and leases to deposits | 85.3542% | 1,307 |
| Net loans and leases to core deposits | 91.0264% | 1,454 |
| Total domestic deposits to total assets | 75.9424% | 4,511 |
| Equity capital to assets | 12.2451% | 1,454 |
| Core capital (leverage) ratio | 12.3990% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0667% | 895 |
| Memoranda: | ||
| Average total assets | $586,325,200 | 1,355 |
| Average earning assets | $508,043,000 | 1,437 |
| Average equity | $70,449,600 | 1,290 |
| Average total loans | $400,651,800 | 1,352 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,157 |
| Cost of funding earning assets | 1.0582% | 624 |
| Net interest margin | 3.6040% | 2,266 |
| Noninterest income to average assets | 0.5468% | 2,397 |
| Noninterest expense to average assets | 2.9930% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4897% | 4,064 |
| Return on assets (ROA) | 0.4897% | 4,144 |
| Pretax return on assets | 0.6878% | 3,930 |
| Return on Equity (ROE) | 4.0952% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.0952% | 2,998 |
| Net charge-offs to loans | -0.0832% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3149% | 768 |
| Assets per employee ($millions) | 4.7126% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9692% | 142 |
| Loan loss allowance to noncurrent loans | 829.7468% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,175 |
| Noncurrent loans to loans | 0.3578% | 3,008 |
| Net loans and leases to total assets | 68.1820% | 2,214 |
| Net loans and leases to deposits | 86.6373% | 1,629 |
| Net loans and leases to core deposits | 92.8833% | 1,718 |
| Total domestic deposits to total assets | 78.6983% | 4,103 |
| Equity capital to assets | 12.7879% | 1,284 |
| Core capital (leverage) ratio | 12.5796% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1403% | 896 |
| Memoranda: | ||
| Average total assets | $585,655,750 | 1,338 |
| Average earning assets | $509,276,750 | 1,418 |
| Average equity | $70,031,000 | 1,287 |
| Average total loans | $402,380,750 | 1,337 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,492 |
| Cost of funding earning assets | 1.1764% | 552 |
| Net interest margin | 3.4886% | 2,826 |
| Noninterest income to average assets | 0.0020% | 5,006 |
| Noninterest expense to average assets | 2.9107% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0537% | 4,727 |
| Return on assets (ROA) | 0.0537% | 4,753 |
| Pretax return on assets | 0.1351% | 4,697 |
| Return on Equity (ROE) | 0.4591% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.4591% | 4,221 |
| Net charge-offs to loans | -0.1148% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5659% | 255 |
| Assets per employee ($millions) | 4.8472% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9448% | 140 |
| Loan loss allowance to noncurrent loans | 386.2623% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 2,291 |
| Noncurrent loans to loans | 0.7624% | 1,976 |
| Net loans and leases to total assets | 65.6601% | 2,677 |
| Net loans and leases to deposits | 81.4148% | 2,267 |
| Net loans and leases to core deposits | 87.9874% | 2,243 |
| Total domestic deposits to total assets | 80.6489% | 3,694 |
| Equity capital to assets | 11.8964% | 1,730 |
| Core capital (leverage) ratio | 11.7586% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2359% | 1,012 |
| Memoranda: | ||
| Average total assets | $592,368,667 | 1,306 |
| Average earning assets | $516,828,000 | 1,385 |
| Average equity | $69,268,667 | 1,282 |
| Average total loans | $404,047,667 | 1,310 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 1,646 |
| Cost of funding earning assets | 1.2942% | 575 |
| Net interest margin | 3.4285% | 3,218 |
| Noninterest income to average assets | -2.0159% | 5,108 |
| Noninterest expense to average assets | 2.8006% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.3426% | 5,015 |
| Return on assets (ROA) | -1.3426% | 4,998 |
| Pretax return on assets | -1.8014% | 5,014 |
| Return on Equity (ROE) | -11.5819% | 5,011 |
| Retained earnings to average equity (ytd only) | -11.5819% | 4,814 |
| Net charge-offs to loans | -0.2079% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 280.2836% | 14 |
| Assets per employee ($millions) | 4.8499% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9010% | 165 |
| Loan loss allowance to noncurrent loans | 197.1831% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 1,318 |
| Noncurrent loans to loans | 1.4712% | 1,088 |
| Net loans and leases to total assets | 65.9824% | 2,818 |
| Net loans and leases to deposits | 80.2273% | 2,655 |
| Net loans and leases to core deposits | 86.7342% | 2,622 |
| Total domestic deposits to total assets | 82.2443% | 3,344 |
| Equity capital to assets | 11.4738% | 2,457 |
| Core capital (leverage) ratio | 11.3666% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6017% | 1,214 |
| Memoranda: | ||
| Average total assets | $592,875,000 | 1,273 |
| Average earning assets | $521,399,000 | 1,326 |
| Average equity | $68,728,000 | 1,282 |
| Average total loans | $406,038,500 | 1,284 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 1,351 |
| Cost of funding earning assets | 1.2272% | 953 |
| Net interest margin | 3.8197% | 2,442 |
| Noninterest income to average assets | 0.6680% | 1,934 |
| Noninterest expense to average assets | 2.9283% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8200% | 3,488 |
| Return on assets (ROA) | 0.8220% | 3,574 |
| Pretax return on assets | 1.0859% | 3,216 |
| Return on Equity (ROE) | 7.0908% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.1345% | 2,896 |
| Net charge-offs to loans | -0.0432% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9944% | 1,738 |
| Assets per employee ($millions) | 4.9513% | 2,659 |
| Cash dividends to net income (ytd only)* | 41.6927% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8394% | 149 |
| Loan loss allowance to noncurrent loans | 639.4241% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 2,636 |
| Noncurrent loans to loans | 0.4441% | 2,853 |
| Net loans and leases to total assets | 67.0656% | 2,817 |
| Net loans and leases to deposits | 79.2093% | 2,882 |
| Net loans and leases to core deposits | 85.6087% | 2,816 |
| Total domestic deposits to total assets | 84.6689% | 2,618 |
| Equity capital to assets | 11.7123% | 2,347 |
| Core capital (leverage) ratio | 11.8314% | 1,876 |
| Tier 1 risk-based capital ratio | 16.2350% | 2,320 |
| Total risk-based capital ratio | 17.5040% | 2,257 |
| Memoranda: | ||
| Average total assets | $583,548,200 | 1,248 |
| Average earning assets | $510,821,000 | 1,308 |
| Average equity | $67,650,600 | 1,250 |
| Average total loans | $402,342,200 | 1,263 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 1,419 |
| Cost of funding earning assets | 1.1912% | 1,057 |
| Net interest margin | 3.8581% | 2,409 |
| Noninterest income to average assets | 0.5447% | 2,491 |
| Noninterest expense to average assets | 2.8813% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7799% | 3,739 |
| Return on assets (ROA) | 0.7826% | 3,798 |
| Pretax return on assets | 1.0412% | 3,473 |
| Return on Equity (ROE) | 6.7684% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.7876% | 2,999 |
| Net charge-offs to loans | -0.1382% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5200% | 1,636 |
| Assets per employee ($millions) | 4.7048% | 2,913 |
| Cash dividends to net income (ytd only)* | 29.2654% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8679% | 147 |
| Loan loss allowance to noncurrent loans | 561.1138% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 2,841 |
| Noncurrent loans to loans | 0.5111% | 2,758 |
| Net loans and leases to total assets | 67.8921% | 2,801 |
| Net loans and leases to deposits | 81.0425% | 2,796 |
| Net loans and leases to core deposits | 87.3994% | 2,789 |
| Total domestic deposits to total assets | 83.7735% | 2,905 |
| Equity capital to assets | 11.7159% | 2,493 |
| Core capital (leverage) ratio | 11.6890% | 2,088 |
| Tier 1 risk-based capital ratio | 16.0645% | 2,402 |
| Total risk-based capital ratio | 17.3342% | 2,341 |
| Memoranda: | ||
| Average total assets | $582,133,250 | 1,252 |
| Average earning assets | $509,146,750 | 1,318 |
| Average equity | $67,310,750 | 1,254 |
| Average total loans | $401,251,750 | 1,272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 1,459 |
| Cost of funding earning assets | 1.1313% | 1,191 |
| Net interest margin | 3.8785% | 2,309 |
| Noninterest income to average assets | 0.6905% | 1,755 |
| Noninterest expense to average assets | 2.8079% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9419% | 3,120 |
| Return on assets (ROA) | 0.9460% | 3,175 |
| Pretax return on assets | 1.2762% | 2,646 |
| Return on Equity (ROE) | 8.2179% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.7205% | 1,940 |
| Net charge-offs to loans | -0.1844% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8387% | 2,400 |
| Assets per employee ($millions) | 4.5359% | 3,078 |
| Cash dividends to net income (ytd only)* | 18.2216% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9263% | 136 |
| Loan loss allowance to noncurrent loans | 640.1854% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 3,001 |
| Noncurrent loans to loans | 0.4571% | 2,910 |
| Net loans and leases to total assets | 67.0825% | 2,953 |
| Net loans and leases to deposits | 78.7208% | 3,092 |
| Net loans and leases to core deposits | 84.6951% | 3,060 |
| Total domestic deposits to total assets | 85.2157% | 2,382 |
| Equity capital to assets | 11.7989% | 2,346 |
| Core capital (leverage) ratio | 11.8248% | 1,931 |
| Tier 1 risk-based capital ratio | 16.1160% | 2,362 |
| Total risk-based capital ratio | 17.3858% | 2,301 |
| Memoranda: | ||
| Average total assets | $580,145,000 | 1,258 |
| Average earning assets | $506,851,670 | 1,320 |
| Average equity | $66,780,670 | 1,260 |
| Average total loans | $397,982,000 | 1,281 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 1,497 |
| Cost of funding earning assets | 1.0743% | 1,275 |
| Net interest margin | 3.8673% | 2,288 |
| Noninterest income to average assets | 1.0415% | 737 |
| Noninterest expense to average assets | 2.6321% | 3,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3409% | 1,556 |
| Return on assets (ROA) | 1.3409% | 1,594 |
| Pretax return on assets | 1.7913% | 992 |
| Return on Equity (ROE) | 11.7963% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.7963% | 652 |
| Net charge-offs to loans | -0.1806% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5041% | 3,880 |
| Assets per employee ($millions) | 4.4941% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8924% | 145 |
| Loan loss allowance to noncurrent loans | 625.8397% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 3,067 |
| Noncurrent loans to loans | 0.4622% | 2,928 |
| Net loans and leases to total assets | 66.9041% | 2,915 |
| Net loans and leases to deposits | 78.9924% | 2,949 |
| Net loans and leases to core deposits | 84.6422% | 2,976 |
| Total domestic deposits to total assets | 84.6968% | 2,784 |
| Equity capital to assets | 11.5977% | 2,312 |
| Core capital (leverage) ratio | 11.6723% | 2,004 |
| Tier 1 risk-based capital ratio | 15.9564% | 2,455 |
| Total risk-based capital ratio | 17.2256% | 2,395 |
| Memoranda: | ||
| Average total assets | $579,919,000 | 1,257 |
| Average earning assets | $507,124,000 | 1,327 |
| Average equity | $65,919,000 | 1,268 |
| Average total loans | $396,363,000 | 1,289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 980 |
| Cost of funding earning assets | 0.9134% | 1,043 |
| Net interest margin | 4.1182% | 1,625 |
| Noninterest income to average assets | 0.1821% | 4,814 |
| Noninterest expense to average assets | 2.9463% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6377% | 4,323 |
| Return on assets (ROA) | 0.7248% | 4,062 |
| Pretax return on assets | 0.9211% | 3,840 |
| Return on Equity (ROE) | 6.5171% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.9411% | 2,795 |
| Net charge-offs to loans | -0.3480% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4185% | 1,096 |
| Assets per employee ($millions) | 4.5320% | 3,117 |
| Cash dividends to net income (ytd only)* | 24.1838% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8919% | 146 |
| Loan loss allowance to noncurrent loans | 513.4989% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 3,032 |
| Noncurrent loans to loans | 0.5632% | 2,585 |
| Net loans and leases to total assets | 65.8388% | 3,156 |
| Net loans and leases to deposits | 76.9078% | 3,283 |
| Net loans and leases to core deposits | 82.5861% | 3,216 |
| Total domestic deposits to total assets | 85.6074% | 2,390 |
| Equity capital to assets | 11.1363% | 2,569 |
| Core capital (leverage) ratio | 11.1190% | 2,426 |
| Tier 1 risk-based capital ratio | 15.8563% | 2,466 |
| Total risk-based capital ratio | 17.1260% | 2,390 |
| Memoranda: | ||
| Average total assets | $570,503,000 | 1,246 |
| Average earning assets | $495,269,000 | 1,324 |
| Average equity | $63,448,000 | 1,258 |
| Average total loans | $390,481,600 | 1,279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 1,479 |
| Cost of funding earning assets | 0.8747% | 1,017 |
| Net interest margin | 3.9032% | 2,288 |
| Noninterest income to average assets | 0.2065% | 4,723 |
| Noninterest expense to average assets | 2.9379% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4989% | 4,762 |
| Return on assets (ROA) | 0.5553% | 4,641 |
| Pretax return on assets | 0.7226% | 4,485 |
| Return on Equity (ROE) | 4.9946% | 4,565 |
| Retained earnings to average equity (ytd only) | 3.9391% | 3,808 |
| Net charge-offs to loans | -0.0718% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8544% | 785 |
| Assets per employee ($millions) | 4.5825% | 3,001 |
| Cash dividends to net income (ytd only)* | 21.1327% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6207% | 204 |
| Loan loss allowance to noncurrent loans | 481.7625% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 3,192 |
| Noncurrent loans to loans | 0.5440% | 2,751 |
| Net loans and leases to total assets | 66.3160% | 3,143 |
| Net loans and leases to deposits | 78.0026% | 3,237 |
| Net loans and leases to core deposits | 83.5892% | 3,187 |
| Total domestic deposits to total assets | 85.0177% | 2,601 |
| Equity capital to assets | 11.0891% | 2,587 |
| Core capital (leverage) ratio | 10.9049% | 2,674 |
| Tier 1 risk-based capital ratio | 15.8005% | 2,528 |
| Total risk-based capital ratio | 17.3073% | 2,367 |
| Memoranda: | ||
| Average total assets | $568,103,250 | 1,255 |
| Average earning assets | $492,338,500 | 1,338 |
| Average equity | $63,159,500 | 1,264 |
| Average total loans | $389,775,500 | 1,289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 1,390 |
| Cost of funding earning assets | 0.8250% | 1,026 |
| Net interest margin | 3.9231% | 2,128 |
| Noninterest income to average assets | 0.1973% | 4,836 |
| Noninterest expense to average assets | 2.8313% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5810% | 4,559 |
| Return on assets (ROA) | 0.5885% | 4,528 |
| Pretax return on assets | 0.7752% | 4,318 |
| Return on Equity (ROE) | 5.2888% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.4956% | 3,346 |
| Net charge-offs to loans | -0.1370% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7123% | 1,145 |
| Assets per employee ($millions) | 4.3678% | 3,323 |
| Cash dividends to net income (ytd only)* | 14.9970% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6160% | 220 |
| Loan loss allowance to noncurrent loans | 1,151.2878% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,214 |
| Noncurrent loans to loans | 0.2272% | 3,904 |
| Net loans and leases to total assets | 66.8890% | 3,028 |
| Net loans and leases to deposits | 80.9882% | 2,857 |
| Net loans and leases to core deposits | 86.4394% | 2,883 |
| Total domestic deposits to total assets | 82.5910% | 3,530 |
| Equity capital to assets | 11.0457% | 2,592 |
| Core capital (leverage) ratio | 10.9797% | 2,543 |
| Tier 1 risk-based capital ratio | 15.8634% | 2,487 |
| Total risk-based capital ratio | 17.3390% | 2,343 |
| Memoranda: | ||
| Average total assets | $566,532,670 | 1,264 |
| Average earning assets | $490,934,670 | 1,339 |
| Average equity | $63,039,330 | 1,268 |
| Average total loans | $389,670,330 | 1,286 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,292 |
| Cost of funding earning assets | 0.8068% | 920 |
| Net interest margin | 3.8991% | 2,048 |
| Noninterest income to average assets | 0.2256% | 4,667 |
| Noninterest expense to average assets | 2.8788% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5546% | 4,561 |
| Return on assets (ROA) | 0.5457% | 4,594 |
| Pretax return on assets | 0.7131% | 4,404 |
| Return on Equity (ROE) | 4.8858% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.8858% | 3,230 |
| Net charge-offs to loans | -0.0979% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8937% | 1,148 |
| Assets per employee ($millions) | 4.3831% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6247% | 223 |
| Loan loss allowance to noncurrent loans | 1,042.2680% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,218 |
| Noncurrent loans to loans | 0.2518% | 3,858 |
| Net loans and leases to total assets | 66.8530% | 2,913 |
| Net loans and leases to deposits | 78.7454% | 2,942 |
| Net loans and leases to core deposits | 83.8766% | 2,993 |
| Total domestic deposits to total assets | 84.8976% | 2,974 |
| Equity capital to assets | 11.2119% | 2,379 |
| Core capital (leverage) ratio | 10.8431% | 2,586 |
| Tier 1 risk-based capital ratio | 15.7054% | 2,589 |
| Total risk-based capital ratio | 17.1878% | 2,444 |
| Memoranda: | ||
| Average total assets | $563,705,000 | 1,273 |
| Average earning assets | $488,322,500 | 1,353 |
| Average equity | $62,958,000 | 1,276 |
| Average total loans | $387,999,500 | 1,294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,084 |
| Cost of funding earning assets | 0.7806% | 694 |
| Net interest margin | 3.9656% | 1,861 |
| Noninterest income to average assets | 0.2425% | 4,684 |
| Noninterest expense to average assets | 2.8371% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3971% | 4,701 |
| Return on assets (ROA) | 0.4300% | 4,613 |
| Pretax return on assets | 0.8716% | 4,011 |
| Return on Equity (ROE) | 3.8947% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.3044% | 3,941 |
| Net charge-offs to loans | -0.1480% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5745% | 1,413 |
| Assets per employee ($millions) | 4.6047% | 3,021 |
| Cash dividends to net income (ytd only)* | 40.8330% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5628% | 228 |
| Loan loss allowance to noncurrent loans | 1,013.7652% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 4,257 |
| Noncurrent loans to loans | 0.2528% | 3,878 |
| Net loans and leases to total assets | 67.2354% | 2,930 |
| Net loans and leases to deposits | 81.8503% | 2,735 |
| Net loans and leases to core deposits | 87.0011% | 2,825 |
| Total domestic deposits to total assets | 82.1443% | 3,835 |
| Equity capital to assets | 11.1257% | 2,513 |
| Core capital (leverage) ratio | 10.4802% | 2,860 |
| Tier 1 risk-based capital ratio | 14.9750% | 2,865 |
| Total risk-based capital ratio | 16.4452% | 2,681 |
| Memoranda: | ||
| Average total assets | $569,533,800 | 1,250 |
| Average earning assets | $490,411,600 | 1,327 |
| Average equity | $62,880,800 | 1,259 |
| Average total loans | $388,514,200 | 1,264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,106 |
| Cost of funding earning assets | 0.7624% | 713 |
| Net interest margin | 3.9515% | 1,857 |
| Noninterest income to average assets | 0.2548% | 4,682 |
| Noninterest expense to average assets | 2.6861% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5830% | 4,451 |
| Return on assets (ROA) | 0.6709% | 4,172 |
| Pretax return on assets | 1.1013% | 3,295 |
| Return on Equity (ROE) | 6.0886% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.0886% | 2,178 |
| Net charge-offs to loans | -0.1120% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5925% | 1,957 |
| Assets per employee ($millions) | 4.6870% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4956% | 265 |
| Loan loss allowance to noncurrent loans | 974.7505% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 4,231 |
| Noncurrent loans to loans | 0.2560% | 4,045 |
| Net loans and leases to total assets | 66.1938% | 3,078 |
| Net loans and leases to deposits | 81.5634% | 2,823 |
| Net loans and leases to core deposits | 86.5547% | 2,916 |
| Total domestic deposits to total assets | 81.1562% | 4,007 |
| Equity capital to assets | 11.1742% | 2,699 |
| Core capital (leverage) ratio | 10.5438% | 2,940 |
| Tier 1 risk-based capital ratio | 15.2482% | 2,815 |
| Total risk-based capital ratio | 16.6599% | 2,690 |
| Memoranda: | ||
| Average total assets | $570,324,000 | 1,259 |
| Average earning assets | $490,027,500 | 1,337 |
| Average equity | $62,847,750 | 1,266 |
| Average total loans | $387,938,000 | 1,273 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,053 |
| Cost of funding earning assets | 0.7338% | 749 |
| Net interest margin | 3.9680% | 1,718 |
| Noninterest income to average assets | 0.2397% | 4,805 |
| Noninterest expense to average assets | 2.6516% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6184% | 4,221 |
| Return on assets (ROA) | 0.6610% | 4,081 |
| Pretax return on assets | 1.0689% | 3,303 |
| Return on Equity (ROE) | 6.0266% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0266% | 2,100 |
| Net charge-offs to loans | -0.1313% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5679% | 2,253 |
| Assets per employee ($millions) | 4.5761% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5225% | 277 |
| Loan loss allowance to noncurrent loans | 554.9513% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,695 |
| Noncurrent loans to loans | 0.4545% | 3,383 |
| Net loans and leases to total assets | 66.5615% | 3,025 |
| Net loans and leases to deposits | 81.1069% | 2,793 |
| Net loans and leases to core deposits | 85.9479% | 2,884 |
| Total domestic deposits to total assets | 82.0664% | 3,867 |
| Equity capital to assets | 11.2631% | 2,533 |
| Core capital (leverage) ratio | 10.4953% | 2,921 |
| Tier 1 risk-based capital ratio | 15.3762% | 2,766 |
| Total risk-based capital ratio | 16.7826% | 2,632 |
| Memoranda: | ||
| Average total assets | $568,266,000 | 1,269 |
| Average earning assets | $488,965,000 | 1,345 |
| Average equity | $62,324,000 | 1,278 |
| Average total loans | $386,793,000 | 1,278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 1,083 |
| Cost of funding earning assets | 0.6972% | 856 |
| Net interest margin | 3.9268% | 1,685 |
| Noninterest income to average assets | 0.2431% | 4,787 |
| Noninterest expense to average assets | 2.6005% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6587% | 3,891 |
| Return on assets (ROA) | 0.7475% | 3,540 |
| Pretax return on assets | 1.1629% | 2,731 |
| Return on Equity (ROE) | 6.9074% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.9074% | 1,884 |
| Net charge-offs to loans | -0.1495% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7433% | 2,620 |
| Assets per employee ($millions) | 4.7792% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 320 |
| Loan loss allowance to noncurrent loans | 904.2453% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,466 |
| Noncurrent loans to loans | 0.2734% | 4,129 |
| Net loans and leases to total assets | 66.4907% | 2,897 |
| Net loans and leases to deposits | 83.7626% | 2,313 |
| Net loans and leases to core deposits | 88.8913% | 2,465 |
| Total domestic deposits to total assets | 79.3799% | 4,748 |
| Equity capital to assets | 10.9704% | 2,658 |
| Core capital (leverage) ratio | 10.3067% | 3,100 |
| Tier 1 risk-based capital ratio | 15.1601% | 2,893 |
| Total risk-based capital ratio | 16.5507% | 2,765 |
| Memoranda: | ||
| Average total assets | $570,971,500 | 1,263 |
| Average earning assets | $491,695,000 | 1,341 |
| Average equity | $61,788,500 | 1,281 |
| Average total loans | $388,019,500 | 1,284 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 1,242 |
| Cost of funding earning assets | 0.6162% | 1,231 |
| Net interest margin | 4.0000% | 1,629 |
| Noninterest income to average assets | 0.2895% | 4,666 |
| Noninterest expense to average assets | 2.9797% | 2,412 |
| Loan and lease loss provision to assets | -0.1611% | 5,748 |
| Net operating income to assets | 0.5820% | 4,281 |
| Return on assets (ROA) | 0.6100% | 4,285 |
| Pretax return on assets | 0.9232% | 3,757 |
| Return on Equity (ROE) | 5.1044% | 4,377 |
| Retained earnings to average equity (ytd only) | -5.2965% | 5,685 |
| Net charge-offs to loans | -0.2997% | 5,795 |
| Credit loss provision to net charge-offs | 81.1009% | 2,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5467% | 1,354 |
| Assets per employee ($millions) | 4.7768% | 2,683 |
| Cash dividends to net income (ytd only)* | 203.7634% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4313% | 341 |
| Loan loss allowance to noncurrent loans | 846.7265% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,544 |
| Noncurrent loans to loans | 0.2871% | 4,121 |
| Net loans and leases to total assets | 66.0942% | 3,057 |
| Net loans and leases to deposits | 83.6899% | 2,456 |
| Net loans and leases to core deposits | 89.2197% | 2,575 |
| Total domestic deposits to total assets | 78.9751% | 4,805 |
| Equity capital to assets | 10.6741% | 2,953 |
| Core capital (leverage) ratio | 10.0927% | 3,378 |
| Tier 1 risk-based capital ratio | 14.9315% | 2,995 |
| Total risk-based capital ratio | 16.3051% | 2,872 |
| Memoranda: | ||
| Average total assets | $548,877,400 | 1,262 |
| Average earning assets | $467,898,800 | 1,357 |
| Average equity | $65,591,000 | 1,199 |
| Average total loans | $363,657,000 | 1,293 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,238 |
| Cost of funding earning assets | 0.5960% | 1,364 |
| Net interest margin | 4.0324% | 1,574 |
| Noninterest income to average assets | 0.2997% | 4,623 |
| Noninterest expense to average assets | 2.9577% | 2,436 |
| Loan and lease loss provision to assets | -0.1125% | 5,806 |
| Net operating income to assets | 0.5818% | 4,364 |
| Return on assets (ROA) | 0.6087% | 4,375 |
| Pretax return on assets | 0.9206% | 3,909 |
| Return on Equity (ROE) | 4.9540% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.9540% | 2,857 |
| Net charge-offs to loans | -0.2920% | 5,834 |
| Credit loss provision to net charge-offs | 58.4930% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3999% | 1,509 |
| Assets per employee ($millions) | 4.3148% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5396% | 322 |
| Loan loss allowance to noncurrent loans | 670.8772% | 832 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 1,236 |
| Noncurrent loans to loans | 0.3786% | 3,906 |
| Net loans and leases to total assets | 65.4053% | 3,218 |
| Net loans and leases to deposits | 82.8942% | 2,620 |
| Net loans and leases to core deposits | 88.1583% | 2,744 |
| Total domestic deposits to total assets | 78.9021% | 4,742 |
| Equity capital to assets | 12.1403% | 2,010 |
| Core capital (leverage) ratio | 11.5204% | 2,011 |
| Tier 1 risk-based capital ratio | 16.8867% | 2,265 |
| Total risk-based capital ratio | 18.2323% | 2,189 |
| Memoranda: | ||
| Average total assets | $542,791,750 | 1,276 |
| Average earning assets | $461,088,250 | 1,385 |
| Average equity | $66,692,250 | 1,186 |
| Average total loans | $357,494,750 | 1,311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,178 |
| Cost of funding earning assets | 0.5765% | 1,493 |
| Net interest margin | 4.0680% | 1,451 |
| Noninterest income to average assets | 0.2813% | 4,778 |
| Noninterest expense to average assets | 2.9101% | 2,642 |
| Loan and lease loss provision to assets | -0.1707% | 5,926 |
| Net operating income to assets | 0.6571% | 4,012 |
| Return on assets (ROA) | 0.6662% | 4,112 |
| Pretax return on assets | 1.0079% | 3,550 |
| Return on Equity (ROE) | 5.3999% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.3999% | 2,489 |
| Net charge-offs to loans | -0.3747% | 5,914 |
| Credit loss provision to net charge-offs | 69.6049% | 2,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9441% | 1,802 |
| Assets per employee ($millions) | 4.5290% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 331 |
| Loan loss allowance to noncurrent loans | 646.2329% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 1,306 |
| Noncurrent loans to loans | 0.3972% | 3,938 |
| Net loans and leases to total assets | 64.2922% | 3,326 |
| Net loans and leases to deposits | 83.9119% | 2,479 |
| Net loans and leases to core deposits | 88.7801% | 2,660 |
| Total domestic deposits to total assets | 76.6187% | 5,201 |
| Equity capital to assets | 12.1536% | 2,014 |
| Core capital (leverage) ratio | 11.7502% | 1,816 |
| Tier 1 risk-based capital ratio | 16.9117% | 2,247 |
| Total risk-based capital ratio | 18.2415% | 2,183 |
| Memoranda: | ||
| Average total assets | $536,749,670 | 1,294 |
| Average earning assets | $455,511,000 | 1,408 |
| Average equity | $66,224,000 | 1,187 |
| Average total loans | $351,183,000 | 1,330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,080 |
| Cost of funding earning assets | 0.5703% | 1,540 |
| Net interest margin | 4.1144% | 1,299 |
| Noninterest income to average assets | 0.1375% | 5,661 |
| Noninterest expense to average assets | 2.7892% | 3,113 |
| Loan and lease loss provision to assets | -0.1580% | 6,010 |
| Net operating income to assets | 0.6403% | 4,023 |
| Return on assets (ROA) | 0.6601% | 4,052 |
| Pretax return on assets | 1.0163% | 3,416 |
| Return on Equity (ROE) | 5.3081% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3081% | 2,761 |
| Net charge-offs to loans | -0.2426% | 5,889 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1105% | 2,027 |
| Assets per employee ($millions) | 4.0788% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6900% | 319 |
| Loan loss allowance to noncurrent loans | 434.9976% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 1,150 |
| Noncurrent loans to loans | 0.6184% | 3,318 |
| Net loans and leases to total assets | 63.4910% | 3,321 |
| Net loans and leases to deposits | 79.5557% | 2,859 |
| Net loans and leases to core deposits | 83.5011% | 2,981 |
| Total domestic deposits to total assets | 79.8069% | 4,789 |
| Equity capital to assets | 12.6097% | 1,615 |
| Core capital (leverage) ratio | 11.6285% | 1,886 |
| Tier 1 risk-based capital ratio | 17.3507% | 2,173 |
| Total risk-based capital ratio | 18.6596% | 2,122 |
| Memoranda: | ||
| Average total assets | $526,594,000 | 1,323 |
| Average earning assets | $445,362,500 | 1,439 |
| Average equity | $65,484,500 | 1,192 |
| Average total loans | $342,983,500 | 1,354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,302 |
| Cost of funding earning assets | 0.5219% | 1,981 |
| Net interest margin | 4.0911% | 1,431 |
| Noninterest income to average assets | 0.4456% | 3,703 |
| Noninterest expense to average assets | 3.0298% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5739% | 4,407 |
| Return on assets (ROA) | 0.7106% | 3,870 |
| Pretax return on assets | 1.0485% | 3,272 |
| Return on Equity (ROE) | 5.5113% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.4255% | 4,338 |
| Net charge-offs to loans | -0.3386% | 6,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1397% | 1,947 |
| Assets per employee ($millions) | 4.2502% | 3,490 |
| Cash dividends to net income (ytd only)* | 55.9910% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6951% | 319 |
| Loan loss allowance to noncurrent loans | 517.0773% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 1,181 |
| Noncurrent loans to loans | 0.5212% | 3,608 |
| Net loans and leases to total assets | 63.2666% | 3,377 |
| Net loans and leases to deposits | 80.9252% | 2,717 |
| Net loans and leases to core deposits | 84.1217% | 2,953 |
| Total domestic deposits to total assets | 78.1791% | 5,131 |
| Equity capital to assets | 12.2615% | 1,769 |
| Core capital (leverage) ratio | 11.6518% | 1,848 |
| Tier 1 risk-based capital ratio | 16.4321% | 2,519 |
| Total risk-based capital ratio | 17.7391% | 2,444 |
| Memoranda: | ||
| Average total assets | $502,701,000 | 1,338 |
| Average earning assets | $421,698,400 | 1,474 |
| Average equity | $64,812,200 | 1,168 |
| Average total loans | $319,596,200 | 1,390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,367 |
| Cost of funding earning assets | 0.5165% | 2,071 |
| Net interest margin | 4.0687% | 1,498 |
| Noninterest income to average assets | 0.5165% | 3,250 |
| Noninterest expense to average assets | 2.9513% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6465% | 4,150 |
| Return on assets (ROA) | 0.8226% | 3,403 |
| Pretax return on assets | 1.2353% | 2,677 |
| Return on Equity (ROE) | 6.2985% | 4,006 |
| Retained earnings to average equity (ytd only) | 2.1872% | 4,794 |
| Net charge-offs to loans | -0.3819% | 6,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2172% | 2,366 |
| Assets per employee ($millions) | 4.1452% | 3,630 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6796% | 342 |
| Loan loss allowance to noncurrent loans | 417.1429% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 1,228 |
| Noncurrent loans to loans | 0.6424% | 3,395 |
| Net loans and leases to total assets | 63.9599% | 3,316 |
| Net loans and leases to deposits | 82.5213% | 2,584 |
| Net loans and leases to core deposits | 85.6426% | 2,888 |
| Total domestic deposits to total assets | 77.5072% | 5,260 |
| Equity capital to assets | 12.5650% | 1,708 |
| Core capital (leverage) ratio | 12.0179% | 1,665 |
| Tier 1 risk-based capital ratio | 16.7052% | 2,473 |
| Total risk-based capital ratio | 17.9807% | 2,422 |
| Memoranda: | ||
| Average total assets | $496,620,750 | 1,360 |
| Average earning assets | $415,880,750 | 1,495 |
| Average equity | $64,860,000 | 1,173 |
| Average total loans | $313,829,250 | 1,417 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,310 |
| Cost of funding earning assets | 0.5160% | 2,103 |
| Net interest margin | 4.0717% | 1,437 |
| Noninterest income to average assets | 0.6226% | 2,614 |
| Noninterest expense to average assets | 2.8874% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7510% | 3,638 |
| Return on assets (ROA) | 0.9979% | 2,511 |
| Pretax return on assets | 1.5113% | 1,615 |
| Return on Equity (ROE) | 7.5410% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.0014% | 2,246 |
| Net charge-offs to loans | -0.4774% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7424% | 3,035 |
| Assets per employee ($millions) | 3.9553% | 3,968 |
| Cash dividends to net income (ytd only)* | 20.4165% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7878% | 338 |
| Loan loss allowance to noncurrent loans | 399.9550% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 1.7818% | 1,301 |
| Noncurrent loans to loans | 0.6970% | 3,402 |
| Net loans and leases to total assets | 62.1551% | 3,524 |
| Net loans and leases to deposits | 78.8328% | 2,923 |
| Net loans and leases to core deposits | 80.7270% | 3,301 |
| Total domestic deposits to total assets | 78.8443% | 5,128 |
| Equity capital to assets | 13.1811% | 1,311 |
| Core capital (leverage) ratio | 12.3452% | 1,462 |
| Tier 1 risk-based capital ratio | 17.3959% | 2,253 |
| Total risk-based capital ratio | 18.7704% | 2,168 |
| Memoranda: | ||
| Average total assets | $490,825,000 | 1,387 |
| Average earning assets | $410,098,000 | 1,519 |
| Average equity | $64,951,670 | 1,180 |
| Average total loans | $305,835,330 | 1,451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,404 |
| Cost of funding earning assets | 0.5126% | 2,177 |
| Net interest margin | 4.0075% | 1,528 |
| Noninterest income to average assets | 1.0028% | 1,118 |
| Noninterest expense to average assets | 2.9459% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9066% | 2,714 |
| Return on assets (ROA) | 1.3855% | 1,116 |
| Pretax return on assets | 2.1320% | 451 |
| Return on Equity (ROE) | 10.4487% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.3518% | 1,831 |
| Net charge-offs to loans | -0.6279% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8585% | 3,851 |
| Assets per employee ($millions) | 3.8391% | 4,269 |
| Cash dividends to net income (ytd only)* | 29.6384% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8525% | 345 |
| Loan loss allowance to noncurrent loans | 328.3701% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 1,250 |
| Noncurrent loans to loans | 0.8687% | 3,075 |
| Net loans and leases to total assets | 60.2329% | 3,619 |
| Net loans and leases to deposits | 75.6814% | 3,091 |
| Net loans and leases to core deposits | 77.8017% | 3,403 |
| Total domestic deposits to total assets | 79.5874% | 5,147 |
| Equity capital to assets | 13.3756% | 1,230 |
| Core capital (leverage) ratio | 12.0405% | 1,618 |
| Tier 1 risk-based capital ratio | 17.1403% | 2,429 |
| Total risk-based capital ratio | 18.5012% | 2,351 |
| Memoranda: | ||
| Average total assets | $487,054,500 | 1,399 |
| Average earning assets | $405,738,500 | 1,538 |
| Average equity | $64,582,500 | 1,185 |
| Average total loans | $299,431,500 | 1,483 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 901 |
| Cost of funding earning assets | 0.5495% | 2,207 |
| Net interest margin | 4.3667% | 937 |
| Noninterest income to average assets | 0.1401% | 5,999 |
| Noninterest expense to average assets | 2.9450% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6132% | 4,310 |
| Return on assets (ROA) | 0.6872% | 4,076 |
| Pretax return on assets | 0.9144% | 3,854 |
| Return on Equity (ROE) | 5.3740% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.3740% | 2,354 |
| Net charge-offs to loans | 0.1980% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.7573% | 3,142 |
| Efficiency ratio | 78.3088% | 2,161 |
| Assets per employee ($millions) | 3.9560% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7491% | 400 |
| Loan loss allowance to noncurrent loans | 426.8586% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 1,556 |
| Noncurrent loans to loans | 0.6440% | 3,756 |
| Net loans and leases to total assets | 59.2737% | 3,882 |
| Net loans and leases to deposits | 73.1671% | 3,533 |
| Net loans and leases to core deposits | 75.1615% | 3,808 |
| Total domestic deposits to total assets | 81.0114% | 4,750 |
| Equity capital to assets | 13.1464% | 1,294 |
| Core capital (leverage) ratio | 11.5377% | 1,953 |
| Tier 1 risk-based capital ratio | 17.3020% | 2,383 |
| Total risk-based capital ratio | 18.7744% | 2,273 |
| Memoranda: | ||
| Average total assets | $484,583,800 | 1,376 |
| Average earning assets | $401,788,600 | 1,520 |
| Average equity | $61,965,000 | 1,180 |
| Average total loans | $295,502,800 | 1,447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 1,039 |
| Cost of funding earning assets | 0.5533% | 2,256 |
| Net interest margin | 4.2837% | 1,083 |
| Noninterest income to average assets | 0.0143% | 6,451 |
| Noninterest expense to average assets | 2.8176% | 3,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5708% | 4,592 |
| Return on assets (ROA) | 0.6776% | 4,147 |
| Pretax return on assets | 0.8877% | 4,041 |
| Return on Equity (ROE) | 5.3363% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.3363% | 2,865 |
| Net charge-offs to loans | 0.5121% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3924% | 3,924 |
| Efficiency ratio | 79.0389% | 2,050 |
| Assets per employee ($millions) | 4.1240% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5231% | 632 |
| Loan loss allowance to noncurrent loans | 392.3633% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 1,639 |
| Noncurrent loans to loans | 0.6430% | 4,008 |
| Net loans and leases to total assets | 60.3681% | 3,722 |
| Net loans and leases to deposits | 75.3343% | 3,268 |
| Net loans and leases to core deposits | 76.8191% | 3,654 |
| Total domestic deposits to total assets | 80.1336% | 5,071 |
| Equity capital to assets | 12.8716% | 1,490 |
| Core capital (leverage) ratio | 11.4186% | 2,128 |
| Tier 1 risk-based capital ratio | 16.7750% | 2,697 |
| Total risk-based capital ratio | 18.1769% | 2,594 |
| Memoranda: | ||
| Average total assets | $484,084,250 | 1,389 |
| Average earning assets | $401,230,500 | 1,532 |
| Average equity | $61,464,250 | 1,196 |
| Average total loans | $295,236,500 | 1,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 908 |
| Cost of funding earning assets | 0.5596% | 2,266 |
| Net interest margin | 4.3436% | 949 |
| Noninterest income to average assets | -0.0182% | 6,577 |
| Noninterest expense to average assets | 2.8036% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5816% | 4,445 |
| Return on assets (ROA) | 0.7181% | 3,836 |
| Pretax return on assets | 0.9494% | 3,679 |
| Return on Equity (ROE) | 5.6817% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.6817% | 2,523 |
| Net charge-offs to loans | -0.1037% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4573% | 2,232 |
| Assets per employee ($millions) | 4.0030% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0188% | 376 |
| Loan loss allowance to noncurrent loans | 241.3793% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2807% | 1,319 |
| Noncurrent loans to loans | 1.2506% | 2,725 |
| Net loans and leases to total assets | 58.9630% | 3,869 |
| Net loans and leases to deposits | 72.4282% | 3,517 |
| Net loans and leases to core deposits | 73.9447% | 3,846 |
| Total domestic deposits to total assets | 81.4090% | 4,839 |
| Equity capital to assets | 12.8357% | 1,465 |
| Core capital (leverage) ratio | 11.2476% | 2,202 |
| Tier 1 risk-based capital ratio | 17.0023% | 2,620 |
| Total risk-based capital ratio | 18.4202% | 2,515 |
| Memoranda: | ||
| Average total assets | $483,233,670 | 1,387 |
| Average earning assets | $399,573,000 | 1,531 |
| Average equity | $61,073,000 | 1,196 |
| Average total loans | $293,189,670 | 1,458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 540 |
| Cost of funding earning assets | 0.5625% | 2,320 |
| Net interest margin | 4.5851% | 569 |
| Noninterest income to average assets | -0.0182% | 6,635 |
| Noninterest expense to average assets | 2.8160% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7206% | 3,583 |
| Return on assets (ROA) | 0.8113% | 3,173 |
| Pretax return on assets | 1.0682% | 3,040 |
| Return on Equity (ROE) | 6.4702% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.4702% | 2,304 |
| Net charge-offs to loans | -0.0971% | 6,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7964% | 2,999 |
| Assets per employee ($millions) | 3.9921% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0186% | 425 |
| Loan loss allowance to noncurrent loans | 193.6044% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 2.5147% | 1,264 |
| Noncurrent loans to loans | 1.5592% | 2,480 |
| Net loans and leases to total assets | 58.5892% | 3,752 |
| Net loans and leases to deposits | 71.8581% | 3,358 |
| Net loans and leases to core deposits | 73.3630% | 3,721 |
| Total domestic deposits to total assets | 81.5345% | 5,077 |
| Equity capital to assets | 12.6627% | 1,478 |
| Core capital (leverage) ratio | 11.0244% | 2,366 |
| Tier 1 risk-based capital ratio | 16.7076% | 2,810 |
| Total risk-based capital ratio | 18.1179% | 2,705 |
| Memoranda: | ||
| Average total assets | $482,666,500 | 1,399 |
| Average earning assets | $398,243,500 | 1,544 |
| Average equity | $60,523,500 | 1,201 |
| Average total loans | $292,540,500 | 1,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 1,169 |
| Cost of funding earning assets | 0.6232% | 2,451 |
| Net interest margin | 4.2409% | 1,246 |
| Noninterest income to average assets | 0.5419% | 3,459 |
| Noninterest expense to average assets | 3.2603% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5972% | 4,273 |
| Return on assets (ROA) | 0.7340% | 3,720 |
| Pretax return on assets | 0.9120% | 3,719 |
| Return on Equity (ROE) | 6.0164% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.0164% | 1,957 |
| Net charge-offs to loans | 0.2097% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.9899% | 3,159 |
| Efficiency ratio | 81.4803% | 1,951 |
| Assets per employee ($millions) | 4.0528% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9796% | 484 |
| Loan loss allowance to noncurrent loans | 165.8379% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 2.7071% | 1,235 |
| Noncurrent loans to loans | 1.7967% | 2,237 |
| Net loans and leases to total assets | 58.9942% | 3,872 |
| Net loans and leases to deposits | 72.2677% | 3,492 |
| Net loans and leases to core deposits | 73.2653% | 3,921 |
| Total domestic deposits to total assets | 81.6329% | 4,998 |
| Equity capital to assets | 12.4159% | 1,557 |
| Core capital (leverage) ratio | 10.7555% | 2,617 |
| Tier 1 risk-based capital ratio | 16.1705% | 3,016 |
| Total risk-based capital ratio | 17.5775% | 2,905 |
| Memoranda: | ||
| Average total assets | $480,136,200 | 1,383 |
| Average earning assets | $391,660,800 | 1,543 |
| Average equity | $58,572,800 | 1,232 |
| Average total loans | $283,217,400 | 1,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 1,131 |
| Cost of funding earning assets | 0.6367% | 2,489 |
| Net interest margin | 4.2592% | 1,189 |
| Noninterest income to average assets | 0.5210% | 3,669 |
| Noninterest expense to average assets | 3.1425% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6757% | 3,980 |
| Return on assets (ROA) | 0.7954% | 3,501 |
| Pretax return on assets | 0.9947% | 3,522 |
| Return on Equity (ROE) | 6.5491% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.5491% | 2,105 |
| Net charge-offs to loans | 0.3610% | 1,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,563 |
| Efficiency ratio | 78.8065% | 2,288 |
| Assets per employee ($millions) | 4.0142% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9870% | 558 |
| Loan loss allowance to noncurrent loans | 197.1935% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 2.7189% | 1,382 |
| Noncurrent loans to loans | 1.5147% | 2,896 |
| Net loans and leases to total assets | 57.7963% | 4,045 |
| Net loans and leases to deposits | 70.6070% | 3,699 |
| Net loans and leases to core deposits | 71.5788% | 4,143 |
| Total domestic deposits to total assets | 81.8563% | 4,973 |
| Equity capital to assets | 12.3044% | 1,710 |
| Core capital (leverage) ratio | 10.1757% | 3,433 |
| Tier 1 risk-based capital ratio | 15.4983% | 3,471 |
| Total risk-based capital ratio | 16.8530% | 3,369 |
| Memoranda: | ||
| Average total assets | $479,599,000 | 1,388 |
| Average earning assets | $390,358,000 | 1,559 |
| Average equity | $58,246,000 | 1,244 |
| Average total loans | $280,707,250 | 1,511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,223 |
| Cost of funding earning assets | 0.6601% | 2,401 |
| Net interest margin | 4.1870% | 1,309 |
| Noninterest income to average assets | 0.6465% | 2,932 |
| Noninterest expense to average assets | 3.1126% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7548% | 3,540 |
| Return on assets (ROA) | 0.8269% | 3,317 |
| Pretax return on assets | 1.0215% | 3,410 |
| Return on Equity (ROE) | 6.8389% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.8389% | 1,961 |
| Net charge-offs to loans | 0.7343% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1828% | 3,800 |
| Efficiency ratio | 76.9461% | 2,637 |
| Assets per employee ($millions) | 4.0867% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9399% | 623 |
| Loan loss allowance to noncurrent loans | 146.2595% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 3.3281% | 1,178 |
| Noncurrent loans to loans | 2.0100% | 2,390 |
| Net loans and leases to total assets | 56.8864% | 4,153 |
| Net loans and leases to deposits | 69.3770% | 3,804 |
| Net loans and leases to core deposits | 70.3349% | 4,232 |
| Total domestic deposits to total assets | 81.9960% | 5,062 |
| Equity capital to assets | 12.1684% | 1,794 |
| Core capital (leverage) ratio | 9.9953% | 3,531 |
| Tier 1 risk-based capital ratio | 14.8761% | 3,858 |
| Total risk-based capital ratio | 16.2377% | 3,751 |
| Memoranda: | ||
| Average total assets | $478,897,330 | 1,393 |
| Average earning assets | $388,723,330 | 1,563 |
| Average equity | $57,904,330 | 1,254 |
| Average total loans | $278,616,670 | 1,518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 1,547 |
| Cost of funding earning assets | 0.6942% | 2,271 |
| Net interest margin | 4.0016% | 1,774 |
| Noninterest income to average assets | 0.5180% | 3,648 |
| Noninterest expense to average assets | 3.0727% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6906% | 3,740 |
| Return on assets (ROA) | 0.6789% | 3,941 |
| Pretax return on assets | 0.6705% | 4,703 |
| Return on Equity (ROE) | 5.6331% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.6331% | 2,872 |
| Net charge-offs to loans | 0.8026% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 3,346 |
| Efficiency ratio | 81.8304% | 2,059 |
| Assets per employee ($millions) | 4.0481% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1570% | 567 |
| Loan loss allowance to noncurrent loans | 62.1425% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 5.5734% | 611 |
| Noncurrent loans to loans | 5.0803% | 739 |
| Net loans and leases to total assets | 56.3639% | 4,028 |
| Net loans and leases to deposits | 68.7334% | 3,673 |
| Net loans and leases to core deposits | 69.7359% | 4,118 |
| Total domestic deposits to total assets | 82.0037% | 5,187 |
| Equity capital to assets | 12.1620% | 1,929 |
| Core capital (leverage) ratio | 9.7633% | 3,711 |
| Tier 1 risk-based capital ratio | 14.5169% | 4,161 |
| Total risk-based capital ratio | 15.8763% | 4,049 |
| Memoranda: | ||
| Average total assets | $477,233,000 | 1,408 |
| Average earning assets | $386,050,000 | 1,584 |
| Average equity | $57,517,000 | 1,268 |
| Average total loans | $276,610,000 | 1,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,437 |
| Cost of funding earning assets | 0.9806% | 1,466 |
| Net interest margin | 3.7573% | 3,406 |
| Noninterest income to average assets | 0.5680% | 3,459 |
| Noninterest expense to average assets | 3.1158% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3890% | 5,143 |
| Return on assets (ROA) | 0.5122% | 4,902 |
| Pretax return on assets | 0.6363% | 4,863 |
| Return on Equity (ROE) | 4.4411% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.4411% | 3,114 |
| Net charge-offs to loans | 1.0656% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.7788% | 5,086 |
| Efficiency ratio | 86.5958% | 1,367 |
| Assets per employee ($millions) | 4.0751% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3909% | 473 |
| Loan loss allowance to noncurrent loans | 46.8709% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 6.7940% | 462 |
| Noncurrent loans to loans | 7.2346% | 430 |
| Net loans and leases to total assets | 55.7633% | 4,335 |
| Net loans and leases to deposits | 67.7895% | 4,012 |
| Net loans and leases to core deposits | 68.8646% | 4,448 |
| Total domestic deposits to total assets | 82.2595% | 5,005 |
| Equity capital to assets | 11.9422% | 2,082 |
| Core capital (leverage) ratio | 9.5894% | 3,981 |
| Tier 1 risk-based capital ratio | 14.3957% | 4,098 |
| Total risk-based capital ratio | 15.6873% | 4,025 |
| Memoranda: | ||
| Average total assets | $481,026,400 | 1,381 |
| Average earning assets | $387,939,200 | 1,548 |
| Average equity | $55,482,000 | 1,289 |
| Average total loans | $279,572,200 | 1,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 2,635 |
| Cost of funding earning assets | 1.0652% | 1,215 |
| Net interest margin | 3.6716% | 3,915 |
| Noninterest income to average assets | 0.5247% | 3,777 |
| Noninterest expense to average assets | 3.0613% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3416% | 5,464 |
| Return on assets (ROA) | 0.5092% | 5,073 |
| Pretax return on assets | 0.6292% | 5,080 |
| Return on Equity (ROE) | 4.4534% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.4534% | 3,763 |
| Net charge-offs to loans | 1.2598% | 756 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5758% | 5,030 |
| Efficiency ratio | 87.8771% | 1,204 |
| Assets per employee ($millions) | 4.0189% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4158% | 500 |
| Loan loss allowance to noncurrent loans | 47.9307% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 7.0422% | 510 |
| Noncurrent loans to loans | 7.1266% | 507 |
| Net loans and leases to total assets | 57.1068% | 4,280 |
| Net loans and leases to deposits | 69.4563% | 3,971 |
| Net loans and leases to core deposits | 70.5770% | 4,424 |
| Total domestic deposits to total assets | 82.2197% | 4,944 |
| Equity capital to assets | 11.8050% | 2,425 |
| Core capital (leverage) ratio | 9.3926% | 4,441 |
| Tier 1 risk-based capital ratio | 13.8124% | 4,683 |
| Total risk-based capital ratio | 15.1123% | 4,597 |
| Memoranda: | ||
| Average total assets | $482,085,500 | 1,396 |
| Average earning assets | $388,526,000 | 1,563 |
| Average equity | $55,117,750 | 1,300 |
| Average total loans | $280,663,750 | 1,502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 2,769 |
| Cost of funding earning assets | 1.1183% | 1,136 |
| Net interest margin | 3.6189% | 4,186 |
| Noninterest income to average assets | 0.3534% | 5,008 |
| Noninterest expense to average assets | 2.9303% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2795% | 5,674 |
| Return on assets (ROA) | 0.5255% | 4,971 |
| Pretax return on assets | 0.6471% | 4,973 |
| Return on Equity (ROE) | 4.6459% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.6459% | 3,516 |
| Net charge-offs to loans | 0.4986% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.1891% | 4,412 |
| Efficiency ratio | 89.5096% | 1,115 |
| Assets per employee ($millions) | 4.0530% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1052% | 324 |
| Loan loss allowance to noncurrent loans | 45.3084% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 7.7452% | 459 |
| Noncurrent loans to loans | 9.0606% | 336 |
| Net loans and leases to total assets | 56.7205% | 4,363 |
| Net loans and leases to deposits | 68.7140% | 4,086 |
| Net loans and leases to core deposits | 71.7048% | 4,328 |
| Total domestic deposits to total assets | 82.5458% | 4,935 |
| Equity capital to assets | 11.6807% | 2,428 |
| Core capital (leverage) ratio | 9.2656% | 4,503 |
| Tier 1 risk-based capital ratio | 13.6913% | 4,674 |
| Total risk-based capital ratio | 14.9719% | 4,620 |
| Memoranda: | ||
| Average total assets | $483,364,670 | 1,393 |
| Average earning assets | $390,058,000 | 1,554 |
| Average equity | $54,671,330 | 1,299 |
| Average total loans | $279,961,330 | 1,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 2,685 |
| Cost of funding earning assets | 1.1740% | 1,090 |
| Net interest margin | 3.6130% | 4,211 |
| Noninterest income to average assets | 0.4001% | 4,670 |
| Noninterest expense to average assets | 2.8178% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3587% | 5,437 |
| Return on assets (ROA) | 0.8100% | 3,565 |
| Pretax return on assets | 1.1064% | 3,299 |
| Return on Equity (ROE) | 7.2788% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.2788% | 2,288 |
| Net charge-offs to loans | 0.5314% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6027% | 3,522 |
| Efficiency ratio | 85.2341% | 1,557 |
| Assets per employee ($millions) | 4.1698% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2700% | 300 |
| Loan loss allowance to noncurrent loans | 46.7047% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 7.7657% | 508 |
| Noncurrent loans to loans | 9.1425% | 364 |
| Net loans and leases to total assets | 55.3456% | 4,498 |
| Net loans and leases to deposits | 66.8406% | 4,256 |
| Net loans and leases to core deposits | 69.9099% | 4,437 |
| Total domestic deposits to total assets | 82.8024% | 5,008 |
| Equity capital to assets | 11.5269% | 2,418 |
| Core capital (leverage) ratio | 9.1500% | 4,602 |
| Tier 1 risk-based capital ratio | 13.6333% | 4,725 |
| Total risk-based capital ratio | 14.9360% | 4,673 |
| Memoranda: | ||
| Average total assets | $485,918,500 | 1,389 |
| Average earning assets | $390,813,000 | 1,555 |
| Average equity | $54,075,000 | 1,305 |
| Average total loans | $278,500,500 | 1,516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 4,388 |
| Cost of funding earning assets | 1.5702% | 537 |
| Net interest margin | 3.0965% | 6,356 |
| Noninterest income to average assets | 0.1170% | 6,560 |
| Noninterest expense to average assets | 2.8835% | 4,029 |
| Loan and lease loss provision to assets | 0.6276% | 1,629 |
| Net operating income to assets | -0.3766% | 6,396 |
| Return on assets (ROA) | -0.3736% | 6,448 |
| Pretax return on assets | -0.8722% | 6,674 |
| Return on Equity (ROE) | -3.7642% | 6,461 |
| Retained earnings to average equity (ytd only) | -3.7642% | 6,353 |
| Net charge-offs to loans | 0.9196% | 1,884 |
| Credit loss provision to net charge-offs | 123.6471% | 2,543 |
| Earnings coverage of net charge-offs (x) | -0.4911% | 6,079 |
| Efficiency ratio | 109.4629% | 447 |
| Assets per employee ($millions) | 4.2081% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4388% | 266 |
| Loan loss allowance to noncurrent loans | 49.7454% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 7.5965% | 567 |
| Noncurrent loans to loans | 8.9230% | 400 |
| Net loans and leases to total assets | 54.2967% | 4,991 |
| Net loans and leases to deposits | 64.9462% | 4,881 |
| Net loans and leases to core deposits | 68.9179% | 4,914 |
| Total domestic deposits to total assets | 83.6025% | 4,497 |
| Equity capital to assets | 10.7335% | 3,268 |
| Core capital (leverage) ratio | 7.9377% | 6,320 |
| Tier 1 risk-based capital ratio | 12.1905% | 5,698 |
| Total risk-based capital ratio | 13.4728% | 5,642 |
| Memoranda: | ||
| Average total assets | $531,549,800 | 1,255 |
| Average earning assets | $432,103,800 | 1,401 |
| Average equity | $52,760,600 | 1,291 |
| Average total loans | $293,377,600 | 1,447 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 4,676 |
| Cost of funding earning assets | 1.5820% | 631 |
| Net interest margin | 3.0667% | 6,456 |
| Noninterest income to average assets | 0.1834% | 6,284 |
| Noninterest expense to average assets | 2.7811% | 4,413 |
| Loan and lease loss provision to assets | 0.8200% | 1,134 |
| Net operating income to assets | -0.3624% | 6,556 |
| Return on assets (ROA) | -0.3535% | 6,602 |
| Pretax return on assets | -0.9078% | 6,834 |
| Return on Equity (ROE) | -3.6276% | 6,602 |
| Retained earnings to average equity (ytd only) | -3.6276% | 6,480 |
| Net charge-offs to loans | 1.2123% | 1,291 |
| Credit loss provision to net charge-offs | 123.3728% | 2,613 |
| Earnings coverage of net charge-offs (x) | -0.1531% | 5,696 |
| Efficiency ratio | 103.7982% | 558 |
| Assets per employee ($millions) | 4.2138% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3869% | 288 |
| Loan loss allowance to noncurrent loans | 45.5690% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 7.4797% | 628 |
| Noncurrent loans to loans | 9.6269% | 373 |
| Net loans and leases to total assets | 52.1684% | 5,425 |
| Net loans and leases to deposits | 62.5657% | 5,334 |
| Net loans and leases to core deposits | 66.1397% | 5,400 |
| Total domestic deposits to total assets | 83.3818% | 4,528 |
| Equity capital to assets | 10.2708% | 4,001 |
| Core capital (leverage) ratio | 7.7657% | 6,589 |
| Tier 1 risk-based capital ratio | 12.2334% | 5,718 |
| Total risk-based capital ratio | 13.5148% | 5,675 |
| Memoranda: | ||
| Average total assets | $542,403,500 | 1,222 |
| Average earning assets | $441,466,000 | 1,385 |
| Average equity | $52,852,250 | 1,291 |
| Average total loans | $297,384,000 | 1,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 4,505 |
| Cost of funding earning assets | 1.6193% | 650 |
| Net interest margin | 3.0877% | 6,433 |
| Noninterest income to average assets | 0.2682% | 5,729 |
| Noninterest expense to average assets | 2.7338% | 4,686 |
| Loan and lease loss provision to assets | 1.2090% | 639 |
| Net operating income to assets | -0.4216% | 6,628 |
| Return on assets (ROA) | -0.4056% | 6,641 |
| Pretax return on assets | -1.1271% | 6,940 |
| Return on Equity (ROE) | -4.2331% | 6,657 |
| Retained earnings to average equity (ytd only) | -4.2331% | 6,494 |
| Net charge-offs to loans | 1.2653% | 1,232 |
| Credit loss provision to net charge-offs | 174.0219% | 1,733 |
| Earnings coverage of net charge-offs (x) | 0.0819% | 5,226 |
| Efficiency ratio | 97.9610% | 790 |
| Assets per employee ($millions) | 4.2981% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5778% | 263 |
| Loan loss allowance to noncurrent loans | 47.9052% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 7.2769% | 679 |
| Noncurrent loans to loans | 9.5559% | 414 |
| Net loans and leases to total assets | 50.7942% | 5,718 |
| Net loans and leases to deposits | 60.4694% | 5,679 |
| Net loans and leases to core deposits | 64.6811% | 5,650 |
| Total domestic deposits to total assets | 83.9998% | 4,351 |
| Equity capital to assets | 9.9116% | 4,263 |
| Core capital (leverage) ratio | 7.5986% | 6,670 |
| Tier 1 risk-based capital ratio | 12.1270% | 5,687 |
| Total risk-based capital ratio | 13.4287% | 5,615 |
| Memoranda: | ||
| Average total assets | $551,842,330 | 1,216 |
| Average earning assets | $450,818,670 | 1,357 |
| Average equity | $52,869,330 | 1,275 |
| Average total loans | $303,013,330 | 1,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 4,204 |
| Cost of funding earning assets | 1.6824% | 597 |
| Net interest margin | 3.0874% | 6,379 |
| Noninterest income to average assets | -0.0959% | 7,386 |
| Noninterest expense to average assets | 2.6591% | 4,997 |
| Loan and lease loss provision to assets | 1.7906% | 326 |
| Net operating income to assets | -1.1165% | 7,073 |
| Return on assets (ROA) | -1.0767% | 7,070 |
| Pretax return on assets | -1.9666% | 7,247 |
| Return on Equity (ROE) | -11.4278% | 7,062 |
| Retained earnings to average equity (ytd only) | -11.4278% | 6,923 |
| Net charge-offs to loans | 0.5470% | 2,127 |
| Credit loss provision to net charge-offs | 587.5587% | 642 |
| Earnings coverage of net charge-offs (x) | -0.7817% | 4,864 |
| Efficiency ratio | 109.8404% | 510 |
| Assets per employee ($millions) | 4.3298% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5288% | 283 |
| Loan loss allowance to noncurrent loans | 44.3878% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 7.5722% | 656 |
| Noncurrent loans to loans | 10.2027% | 391 |
| Net loans and leases to total assets | 53.1326% | 5,430 |
| Net loans and leases to deposits | 62.9696% | 5,390 |
| Net loans and leases to core deposits | 67.5141% | 5,355 |
| Total domestic deposits to total assets | 84.3782% | 4,335 |
| Equity capital to assets | 9.5285% | 4,392 |
| Core capital (leverage) ratio | 7.3301% | 6,838 |
| Tier 1 risk-based capital ratio | 11.4615% | 6,134 |
| Total risk-based capital ratio | 12.7643% | 6,072 |
| Memoranda: | ||
| Average total assets | $559,132,500 | 1,203 |
| Average earning assets | $455,786,000 | 1,354 |
| Average equity | $52,678,500 | 1,269 |
| Average total loans | $311,525,000 | 1,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 4,393 |
| Cost of funding earning assets | 2.1296% | 385 |
| Net interest margin | 2.9048% | 6,884 |
| Noninterest income to average assets | -0.5635% | 7,579 |
| Noninterest expense to average assets | 2.5052% | 5,772 |
| Loan and lease loss provision to assets | 2.5783% | 423 |
| Net operating income to assets | -1.8894% | 7,026 |
| Return on assets (ROA) | -1.5337% | 6,937 |
| Pretax return on assets | -2.6448% | 7,211 |
| Return on Equity (ROE) | -16.0161% | 6,952 |
| Retained earnings to average equity (ytd only) | -16.0161% | 6,919 |
| Net charge-offs to loans | 3.9164% | 330 |
| Credit loss provision to net charge-offs | 107.4588% | 4,132 |
| Earnings coverage of net charge-offs (x) | -0.2593% | 6,329 |
| Efficiency ratio | 133.0433% | 292 |
| Assets per employee ($millions) | 4.5817% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6543% | 525 |
| Loan loss allowance to noncurrent loans | 36.1841% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 7.5107% | 693 |
| Noncurrent loans to loans | 10.0991% | 417 |
| Net loans and leases to total assets | 53.7374% | 5,668 |
| Net loans and leases to deposits | 63.2647% | 5,715 |
| Net loans and leases to core deposits | 68.7242% | 5,580 |
| Total domestic deposits to total assets | 84.9405% | 3,885 |
| Equity capital to assets | 9.3195% | 4,662 |
| Core capital (leverage) ratio | 7.4114% | 6,775 |
| Tier 1 risk-based capital ratio | 11.3224% | 6,072 |
| Total risk-based capital ratio | 12.5956% | 6,039 |
| Memoranda: | ||
| Average total assets | $616,347,800 | 1,083 |
| Average earning assets | $519,112,000 | 1,186 |
| Average equity | $59,021,800 | 1,130 |
| Average total loans | $377,589,600 | 1,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 4,036 |
| Cost of funding earning assets | 2.1004% | 534 |
| Net interest margin | 3.0580% | 6,712 |
| Noninterest income to average assets | -0.4102% | 7,659 |
| Noninterest expense to average assets | 2.4481% | 5,892 |
| Loan and lease loss provision to assets | 3.3778% | 226 |
| Net operating income to assets | -2.2678% | 7,296 |
| Return on assets (ROA) | -1.8027% | 7,199 |
| Pretax return on assets | -2.9163% | 7,398 |
| Return on Equity (ROE) | -18.7109% | 7,196 |
| Retained earnings to average equity (ytd only) | -18.7109% | 7,177 |
| Net charge-offs to loans | 4.7470% | 196 |
| Credit loss provision to net charge-offs | 113.8242% | 3,677 |
| Earnings coverage of net charge-offs (x) | -0.0894% | 6,102 |
| Efficiency ratio | 112.1531% | 488 |
| Assets per employee ($millions) | 4.7374% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5619% | 516 |
| Loan loss allowance to noncurrent loans | 30.8223% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 8.8766% | 518 |
| Noncurrent loans to loans | 11.5561% | 319 |
| Net loans and leases to total assets | 56.2521% | 5,514 |
| Net loans and leases to deposits | 68.3625% | 5,369 |
| Net loans and leases to core deposits | 74.2524% | 5,262 |
| Total domestic deposits to total assets | 82.2850% | 4,878 |
| Equity capital to assets | 9.0711% | 5,488 |
| Core capital (leverage) ratio | 8.7961% | 5,021 |
| Tier 1 risk-based capital ratio | 12.9473% | 4,614 |
| Total risk-based capital ratio | 14.2191% | 4,578 |
| Memoranda: | ||
| Average total assets | $627,256,000 | 1,074 |
| Average earning assets | $531,875,250 | 1,162 |
| Average equity | $60,433,750 | 1,104 |
| Average total loans | $392,128,250 | 1,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 3,600 |
| Cost of funding earning assets | 2.1369% | 578 |
| Net interest margin | 3.1346% | 6,509 |
| Noninterest income to average assets | -0.5046% | 7,750 |
| Noninterest expense to average assets | 2.3740% | 6,133 |
| Loan and lease loss provision to assets | 2.5534% | 438 |
| Net operating income to assets | -1.5447% | 7,164 |
| Return on assets (ROA) | -1.1664% | 7,035 |
| Pretax return on assets | -2.1498% | 7,279 |
| Return on Equity (ROE) | -11.8872% | 7,039 |
| Retained earnings to average equity (ytd only) | -11.8872% | 6,997 |
| Net charge-offs to loans | 3.6496% | 391 |
| Credit loss provision to net charge-offs | 109.6003% | 3,718 |
| Earnings coverage of net charge-offs (x) | -0.0805% | 5,786 |
| Efficiency ratio | 108.5743% | 576 |
| Assets per employee ($millions) | 4.8082% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9308% | 881 |
| Loan loss allowance to noncurrent loans | 22.2667% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 9.4671% | 450 |
| Noncurrent loans to loans | 13.1622% | 224 |
| Net loans and leases to total assets | 60.2388% | 5,011 |
| Net loans and leases to deposits | 73.5096% | 4,752 |
| Net loans and leases to core deposits | 80.2118% | 4,671 |
| Total domestic deposits to total assets | 81.9469% | 5,007 |
| Equity capital to assets | 9.7231% | 4,375 |
| Core capital (leverage) ratio | 9.3088% | 4,102 |
| Tier 1 risk-based capital ratio | 13.0170% | 4,422 |
| Total risk-based capital ratio | 14.2826% | 4,367 |
| Memoranda: | ||
| Average total assets | $635,791,330 | 1,063 |
| Average earning assets | $545,842,670 | 1,122 |
| Average equity | $62,386,330 | 1,067 |
| Average total loans | $405,857,330 | 1,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 3,539 |
| Cost of funding earning assets | 2.1577% | 673 |
| Net interest margin | 3.1447% | 6,474 |
| Noninterest income to average assets | -0.0479% | 7,727 |
| Noninterest expense to average assets | 2.2674% | 6,488 |
| Loan and lease loss provision to assets | 2.6105% | 397 |
| Net operating income to assets | -1.2163% | 7,223 |
| Return on assets (ROA) | -1.2108% | 7,241 |
| Pretax return on assets | -2.2040% | 7,459 |
| Return on Equity (ROE) | -12.2853% | 7,226 |
| Retained earnings to average equity (ytd only) | -12.2853% | 7,085 |
| Net charge-offs to loans | 3.1129% | 484 |
| Credit loss provision to net charge-offs | 129.6296% | 2,728 |
| Earnings coverage of net charge-offs (x) | 0.1975% | 4,863 |
| Efficiency ratio | 85.0746% | 1,900 |
| Assets per employee ($millions) | 4.8399% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 954 |
| Loan loss allowance to noncurrent loans | 24.2446% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 9.0088% | 498 |
| Noncurrent loans to loans | 11.6767% | 306 |
| Net loans and leases to total assets | 62.4189% | 4,673 |
| Net loans and leases to deposits | 77.8191% | 4,078 |
| Net loans and leases to core deposits | 85.5512% | 3,968 |
| Total domestic deposits to total assets | 80.2103% | 5,713 |
| Equity capital to assets | 9.8832% | 4,016 |
| Core capital (leverage) ratio | 9.3958% | 3,912 |
| Tier 1 risk-based capital ratio | 12.7928% | 4,487 |
| Total risk-based capital ratio | 14.0577% | 4,444 |
| Memoranda: | ||
| Average total assets | $643,560,500 | 1,074 |
| Average earning assets | $555,222,500 | 1,124 |
| Average equity | $63,425,500 | 1,055 |
| Average total loans | $416,329,000 | 1,128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 2,715 |
| Cost of funding earning assets | 2.7261% | 548 |
| Net interest margin | 3.0596% | 6,493 |
| Noninterest income to average assets | 0.1956% | 6,698 |
| Noninterest expense to average assets | 2.3465% | 6,612 |
| Loan and lease loss provision to assets | 1.8854% | 1,180 |
| Net operating income to assets | -0.7022% | 6,370 |
| Return on assets (ROA) | -0.7429% | 6,394 |
| Pretax return on assets | -1.3831% | 6,640 |
| Return on Equity (ROE) | -7.8568% | 6,457 |
| Retained earnings to average equity (ytd only) | -7.8568% | 6,334 |
| Net charge-offs to loans | 2.1548% | 1,118 |
| Credit loss provision to net charge-offs | 126.8187% | 4,104 |
| Earnings coverage of net charge-offs (x) | 0.3807% | 5,732 |
| Efficiency ratio | 80.5691% | 2,804 |
| Assets per employee ($millions) | 4.9105% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4849% | 1,249 |
| Loan loss allowance to noncurrent loans | 27.4902% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 7.3011% | 682 |
| Noncurrent loans to loans | 9.0391% | 498 |
| Net loans and leases to total assets | 63.5139% | 4,703 |
| Net loans and leases to deposits | 82.5956% | 3,522 |
| Net loans and leases to core deposits | 100.2930% | 3,964 |
| Total domestic deposits to total assets | 76.8974% | 6,507 |
| Equity capital to assets | 9.8284% | 3,973 |
| Core capital (leverage) ratio | 9.3614% | 3,883 |
| Tier 1 risk-based capital ratio | 12.2993% | 4,684 |
| Total risk-based capital ratio | 13.5599% | 4,635 |
| Memoranda: | ||
| Average total assets | $684,198,200 | 1,005 |
| Average earning assets | $607,561,200 | 1,030 |
| Average equity | $64,695,800 | 1,023 |
| Average total loans | $472,059,800 | 1,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9205% | 2,353 |
| Cost of funding earning assets | 2.8345% | 547 |
| Net interest margin | 3.0860% | 6,349 |
| Noninterest income to average assets | 0.2672% | 6,323 |
| Noninterest expense to average assets | 2.3043% | 6,694 |
| Loan and lease loss provision to assets | 1.0019% | 1,915 |
| Net operating income to assets | -0.0817% | 5,861 |
| Return on assets (ROA) | -0.0992% | 5,924 |
| Pretax return on assets | -0.3102% | 6,108 |
| Return on Equity (ROE) | -1.0593% | 5,942 |
| Retained earnings to average equity (ytd only) | -1.0593% | 5,505 |
| Net charge-offs to loans | 1.5069% | 1,358 |
| Credit loss provision to net charge-offs | 95.1162% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.6826% | 5,349 |
| Efficiency ratio | 76.2157% | 3,472 |
| Assets per employee ($millions) | 5.0853% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 2,671 |
| Loan loss allowance to noncurrent loans | 18.1060% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 6.8690% | 703 |
| Noncurrent loans to loans | 9.3335% | 457 |
| Net loans and leases to total assets | 65.6483% | 4,498 |
| Net loans and leases to deposits | 86.2733% | 3,257 |
| Net loans and leases to core deposits | 106.1930% | 3,681 |
| Total domestic deposits to total assets | 76.0934% | 6,566 |
| Equity capital to assets | 9.6982% | 4,498 |
| Core capital (leverage) ratio | 9.0569% | 4,566 |
| Tier 1 risk-based capital ratio | 11.8412% | 5,111 |
| Total risk-based capital ratio | 13.0937% | 5,053 |
| Memoranda: | ||
| Average total assets | $691,974,000 | 1,001 |
| Average earning assets | $617,997,500 | 1,024 |
| Average equity | $64,822,500 | 1,034 |
| Average total loans | $483,730,750 | 1,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0428% | 2,005 |
| Cost of funding earning assets | 2.9421% | 556 |
| Net interest margin | 3.1008% | 6,238 |
| Noninterest income to average assets | 0.4267% | 5,068 |
| Noninterest expense to average assets | 2.3329% | 6,667 |
| Loan and lease loss provision to assets | 1.0016% | 1,679 |
| Net operating income to assets | 0.0263% | 5,769 |
| Return on assets (ROA) | 0.0292% | 5,844 |
| Pretax return on assets | -0.1294% | 6,032 |
| Return on Equity (ROE) | 0.3152% | 5,837 |
| Retained earnings to average equity (ytd only) | 0.3152% | 5,094 |
| Net charge-offs to loans | 1.2866% | 1,440 |
| Credit loss provision to net charge-offs | 109.7867% | 4,221 |
| Earnings coverage of net charge-offs (x) | 0.9511% | 4,817 |
| Efficiency ratio | 72.8898% | 4,232 |
| Assets per employee ($millions) | 5.1546% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 2,267 |
| Loan loss allowance to noncurrent loans | 32.9468% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 4.1929% | 1,376 |
| Noncurrent loans to loans | 5.2271% | 1,141 |
| Net loans and leases to total assets | 66.3770% | 4,488 |
| Net loans and leases to deposits | 88.7989% | 3,035 |
| Net loans and leases to core deposits | 109.5234% | 3,429 |
| Total domestic deposits to total assets | 74.7498% | 6,814 |
| Equity capital to assets | 9.1953% | 5,019 |
| Core capital (leverage) ratio | 8.8856% | 4,808 |
| Tier 1 risk-based capital ratio | 11.1941% | 5,680 |
| Total risk-based capital ratio | 12.4467% | 5,604 |
| Memoranda: | ||
| Average total assets | $698,879,000 | 1,007 |
| Average earning assets | $625,203,000 | 1,033 |
| Average equity | $64,730,000 | 1,046 |
| Average total loans | $495,559,330 | 1,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 1,596 |
| Cost of funding earning assets | 2.9984% | 608 |
| Net interest margin | 3.2045% | 5,844 |
| Noninterest income to average assets | 0.3961% | 5,241 |
| Noninterest expense to average assets | 2.1467% | 7,018 |
| Loan and lease loss provision to assets | 0.4586% | 2,634 |
| Net operating income to assets | 0.5037% | 4,404 |
| Return on assets (ROA) | 0.4311% | 4,915 |
| Pretax return on assets | 0.5721% | 4,840 |
| Return on Equity (ROE) | 4.6374% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.6374% | 3,340 |
| Net charge-offs to loans | 1.0343% | 1,303 |
| Credit loss provision to net charge-offs | 61.0687% | 4,498 |
| Earnings coverage of net charge-offs (x) | 1.5015% | 3,980 |
| Efficiency ratio | 65.5637% | 5,409 |
| Assets per employee ($millions) | 5.0027% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,225 |
| Loan loss allowance to noncurrent loans | 54.8497% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.3920% | 2,393 |
| Noncurrent loans to loans | 2.6454% | 2,482 |
| Net loans and leases to total assets | 69.5864% | 3,782 |
| Net loans and leases to deposits | 96.4351% | 1,879 |
| Net loans and leases to core deposits | 121.9504% | 2,262 |
| Total domestic deposits to total assets | 72.1587% | 7,185 |
| Equity capital to assets | 9.2665% | 4,987 |
| Core capital (leverage) ratio | 9.0729% | 4,593 |
| Tier 1 risk-based capital ratio | 11.1584% | 5,749 |
| Total risk-based capital ratio | 12.4087% | 5,671 |
| Memoranda: | ||
| Average total assets | $697,807,000 | 1,012 |
| Average earning assets | $626,741,500 | 1,025 |
| Average equity | $64,864,500 | 1,053 |
| Average total loans | $506,603,000 | 987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8672% | 1,496 |
| Cost of funding earning assets | 3.5852% | 411 |
| Net interest margin | 3.2820% | 6,096 |
| Noninterest income to average assets | 0.0556% | 7,862 |
| Noninterest expense to average assets | 2.0854% | 7,265 |
| Loan and lease loss provision to assets | 0.5520% | 2,615 |
| Net operating income to assets | 0.3043% | 5,527 |
| Return on assets (ROA) | 0.2857% | 5,401 |
| Pretax return on assets | 0.3671% | 5,335 |
| Return on Equity (ROE) | 2.9985% | 5,238 |
| Retained earnings to average equity (ytd only) | -5.1698% | 6,536 |
| Net charge-offs to loans | 0.4872% | 2,410 |
| Credit loss provision to net charge-offs | 153.5433% | 3,409 |
| Earnings coverage of net charge-offs (x) | 2.6228% | 4,777 |
| Efficiency ratio | 68.8648% | 4,564 |
| Assets per employee ($millions) | 4.8953% | 2,052 |
| Cash dividends to net income (ytd only)* | 272.4121% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,577 |
| Loan loss allowance to noncurrent loans | 72.2432% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.6131% | 3,020 |
| Noncurrent loans to loans | 2.1072% | 2,624 |
| Net loans and leases to total assets | 73.4952% | 3,230 |
| Net loans and leases to deposits | 102.5487% | 1,526 |
| Net loans and leases to core deposits | 128.9713% | 1,930 |
| Total domestic deposits to total assets | 71.6686% | 7,063 |
| Equity capital to assets | 9.3251% | 4,910 |
| Core capital (leverage) ratio | 8.8890% | 4,911 |
| Tier 1 risk-based capital ratio | 10.8575% | 5,858 |
| Total risk-based capital ratio | 12.1091% | 5,763 |
| Memoranda: | ||
| Average total assets | $706,564,000 | 949 |
| Average earning assets | $639,968,400 | 948 |
| Average equity | $67,333,000 | 992 |
| Average total loans | $521,391,600 | 910 |