Home > First Palmetto Bank > Performance and Condition Ratios
First Palmetto Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 2,965 |
| Cost of funding earning assets | 1.2354% | 2,711 |
| Net interest margin | 3.3356% | 2,542 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.4027% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0085% | 2,194 |
| Return on assets (ROA) | 1.0085% | 2,178 |
| Pretax return on assets | 1.3269% | 1,800 |
| Return on Equity (ROE) | 10.7400% | 2,298 |
| Retained earnings to average equity (ytd only) | 3.7773% | 3,036 |
| Net charge-offs to loans | -0.0303% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4234% | 2,558 |
| Assets per employee ($millions) | 5.1533% | 3,517 |
| Cash dividends to net income (ytd only)* | 64.8280% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 621 |
| Loan loss allowance to noncurrent loans | 1,659.5506% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,020 |
| Noncurrent loans to loans | 0.1041% | 3,017 |
| Net loans and leases to total assets | 74.1400% | 1,341 |
| Net loans and leases to deposits | 82.1912% | 1,930 |
| Net loans and leases to core deposits | 90.9951% | 1,984 |
| Total domestic deposits to total assets | 90.2000% | 709 |
| Equity capital to assets | 9.3678% | 2,441 |
| Core capital (leverage) ratio | 9.1920% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5464% | 1,668 |
| Memoranda: | ||
| Average total assets | $902,426,000 | 1,078 |
| Average earning assets | $861,694,600 | 1,042 |
| Average equity | $84,743,400 | 1,084 |
| Average total loans | $680,154,000 | 986 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 2,987 |
| Cost of funding earning assets | 1.0499% | 2,890 |
| Net interest margin | 3.4117% | 2,426 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.3912% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0713% | 2,143 |
| Return on assets (ROA) | 1.0713% | 2,130 |
| Pretax return on assets | 1.4097% | 1,755 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 8.2528% | 1,872 |
| Net charge-offs to loans | -0.0336% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9121% | 2,624 |
| Assets per employee ($millions) | 5.3909% | 3,271 |
| Cash dividends to net income (ytd only)* | 27.6167% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 662 |
| Loan loss allowance to noncurrent loans | 4,133.6842% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,499 |
| Noncurrent loans to loans | 0.0418% | 3,463 |
| Net loans and leases to total assets | 72.2400% | 1,547 |
| Net loans and leases to deposits | 80.0941% | 2,042 |
| Net loans and leases to core deposits | 88.2199% | 2,038 |
| Total domestic deposits to total assets | 90.2000% | 887 |
| Equity capital to assets | 9.3833% | 2,173 |
| Core capital (leverage) ratio | 9.4787% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9044% | 1,591 |
| Memoranda: | ||
| Average total assets | $901,285,750 | 1,088 |
| Average earning assets | $860,509,000 | 1,039 |
| Average equity | $84,688,000 | 1,079 |
| Average total loans | $679,132,500 | 985 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 3,006 |
| Cost of funding earning assets | 0.8562% | 3,058 |
| Net interest margin | 3.4900% | 2,288 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.3660% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1086% | 2,102 |
| Return on assets (ROA) | 1.1086% | 2,090 |
| Pretax return on assets | 1.4586% | 1,682 |
| Return on Equity (ROE) | 11.7900% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.4095% | 1,572 |
| Net charge-offs to loans | -0.0115% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8629% | 2,730 |
| Assets per employee ($millions) | 5.5382% | 3,114 |
| Cash dividends to net income (ytd only)* | 20.2102% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 768 |
| Loan loss allowance to noncurrent loans | 4,267.0330% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,491 |
| Noncurrent loans to loans | 0.0396% | 3,448 |
| Net loans and leases to total assets | 74.1800% | 1,268 |
| Net loans and leases to deposits | 82.1815% | 1,813 |
| Net loans and leases to core deposits | 89.5540% | 1,824 |
| Total domestic deposits to total assets | 90.2600% | 854 |
| Equity capital to assets | 9.3797% | 2,243 |
| Core capital (leverage) ratio | 9.5902% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5196% | 1,721 |
| Memoranda: | ||
| Average total assets | $892,633,667 | 1,090 |
| Average earning assets | $852,098,333 | 1,049 |
| Average equity | $83,915,333 | 1,081 |
| Average total loans | $678,299,667 | 977 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,802 |
| Cost of funding earning assets | 0.6724% | 3,148 |
| Net interest margin | 3.6281% | 2,062 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4003% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1364% | 2,107 |
| Return on assets (ROA) | 1.1364% | 2,076 |
| Pretax return on assets | 1.4952% | 1,681 |
| Return on Equity (ROE) | 12.0700% | 2,201 |
| Retained earnings to average equity (ytd only) | 12.0746% | 1,254 |
| Net charge-offs to loans | -0.0113% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6182% | 2,741 |
| Assets per employee ($millions) | 4.9866% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 796 |
| Loan loss allowance to noncurrent loans | 4,123.7589% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,463 |
| Noncurrent loans to loans | 0.0415% | 3,440 |
| Net loans and leases to total assets | 75.7300% | 996 |
| Net loans and leases to deposits | 84.1747% | 1,486 |
| Net loans and leases to core deposits | 91.2493% | 1,543 |
| Total domestic deposits to total assets | 89.9700% | 1,166 |
| Equity capital to assets | 9.5476% | 2,104 |
| Core capital (leverage) ratio | 9.5927% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3004% | 1,863 |
| Memoranda: | ||
| Average total assets | $882,048,500 | 1,116 |
| Average earning assets | $841,766,500 | 1,080 |
| Average equity | $83,017,000 | 1,106 |
| Average total loans | $672,708,000 | 995 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 2,740 |
| Cost of funding earning assets | 0.1727% | 3,979 |
| Net interest margin | 3.4470% | 2,110 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.4152% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2281% | 1,671 |
| Return on assets (ROA) | 1.2281% | 1,619 |
| Pretax return on assets | 1.6158% | 1,131 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 1.9521% | 3,984 |
| Net charge-offs to loans | -0.1398% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.9148% | 3,067 |
| Assets per employee ($millions) | 5.1851% | 3,526 |
| Cash dividends to net income (ytd only)* | 85.1987% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 667 |
| Loan loss allowance to noncurrent loans | 2,062.4138% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,145 |
| Noncurrent loans to loans | 0.0872% | 3,131 |
| Net loans and leases to total assets | 74.1200% | 1,206 |
| Net loans and leases to deposits | 81.9770% | 1,614 |
| Net loans and leases to core deposits | 87.3964% | 1,660 |
| Total domestic deposits to total assets | 90.4200% | 1,188 |
| Equity capital to assets | 9.2759% | 2,174 |
| Core capital (leverage) ratio | 9.0977% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1701% | 1,914 |
| Memoranda: | ||
| Average total assets | $891,247,600 | 1,088 |
| Average earning assets | $852,481,800 | 1,057 |
| Average equity | $82,986,600 | 1,099 |
| Average total loans | $625,086,200 | 1,010 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 2,791 |
| Cost of funding earning assets | 0.1254% | 4,074 |
| Net interest margin | 3.3193% | 2,240 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.4376% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1956% | 1,705 |
| Return on assets (ROA) | 1.1956% | 1,685 |
| Pretax return on assets | 1.5732% | 1,192 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.6269% | 1,451 |
| Net charge-offs to loans | -0.1726% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7759% | 3,017 |
| Assets per employee ($millions) | 5.6021% | 3,123 |
| Cash dividends to net income (ytd only)* | 24.9563% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 638 |
| Loan loss allowance to noncurrent loans | 1,428.3654% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 3,011 |
| Noncurrent loans to loans | 0.1310% | 2,983 |
| Net loans and leases to total assets | 69.5400% | 1,525 |
| Net loans and leases to deposits | 77.2063% | 1,782 |
| Net loans and leases to core deposits | 81.3652% | 1,806 |
| Total domestic deposits to total assets | 90.0700% | 1,627 |
| Equity capital to assets | 9.6123% | 1,823 |
| Core capital (leverage) ratio | 9.5051% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4338% | 1,588 |
| Memoranda: | ||
| Average total assets | $893,692,000 | 1,086 |
| Average earning assets | $855,094,250 | 1,057 |
| Average equity | $83,292,250 | 1,106 |
| Average total loans | $615,023,750 | 1,015 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 2,770 |
| Cost of funding earning assets | 0.1149% | 4,022 |
| Net interest margin | 3.1768% | 2,263 |
| Noninterest income to average assets | 0.9500% | 751 |
| Noninterest expense to average assets | 2.4733% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1537% | 1,591 |
| Return on assets (ROA) | 1.1537% | 1,574 |
| Pretax return on assets | 1.5179% | 1,131 |
| Return on Equity (ROE) | 12.5096% | 1,524 |
| Retained earnings to average equity (ytd only) | 10.0805% | 991 |
| Net charge-offs to loans | -0.2413% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9689% | 3,049 |
| Assets per employee ($millions) | 5.4153% | 3,311 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 618 |
| Loan loss allowance to noncurrent loans | 1,085.5831% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,870 |
| Noncurrent loans to loans | 0.1786% | 2,805 |
| Net loans and leases to total assets | 65.7196% | 1,732 |
| Net loans and leases to deposits | 72.6590% | 1,983 |
| Net loans and leases to core deposits | 76.5689% | 1,966 |
| Total domestic deposits to total assets | 90.4493% | 1,491 |
| Equity capital to assets | 9.2655% | 2,192 |
| Core capital (leverage) ratio | 9.2565% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8013% | 1,483 |
| Memoranda: | ||
| Average total assets | $892,813,333 | 1,081 |
| Average earning assets | $854,694,667 | 1,059 |
| Average equity | $82,337,000 | 1,130 |
| Average total loans | $608,292,000 | 1,013 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2016% | 2,688 |
| Cost of funding earning assets | 0.1127% | 3,974 |
| Net interest margin | 3.0889% | 2,212 |
| Noninterest income to average assets | 0.8639% | 904 |
| Noninterest expense to average assets | 2.3814% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0987% | 1,533 |
| Return on assets (ROA) | 1.0987% | 1,527 |
| Pretax return on assets | 1.4456% | 1,140 |
| Return on Equity (ROE) | 11.9422% | 1,329 |
| Retained earnings to average equity (ytd only) | 11.9422% | 614 |
| Net charge-offs to loans | 0.0026% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 799.0000% | 117 |
| Efficiency ratio | 62.2267% | 3,235 |
| Assets per employee ($millions) | 5.8144% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 816 |
| Loan loss allowance to noncurrent loans | 1,281.5029% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,130 |
| Noncurrent loans to loans | 0.1439% | 3,090 |
| Net loans and leases to total assets | 65.9151% | 1,420 |
| Net loans and leases to deposits | 72.9002% | 1,711 |
| Net loans and leases to core deposits | 76.7697% | 1,726 |
| Total domestic deposits to total assets | 90.4183% | 1,331 |
| Equity capital to assets | 9.2218% | 2,508 |
| Core capital (leverage) ratio | 9.4062% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9701% | 1,523 |
| Memoranda: | ||
| Average total assets | $884,338,000 | 1,097 |
| Average earning assets | $848,330,000 | 1,073 |
| Average equity | $81,358,500 | 1,180 |
| Average total loans | $607,580,500 | 1,009 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 2,344 |
| Cost of funding earning assets | 0.1718% | 3,754 |
| Net interest margin | 3.4418% | 1,901 |
| Noninterest income to average assets | 1.4167% | 556 |
| Noninterest expense to average assets | 2.9075% | 1,132 |
| Loan and lease loss provision to assets | 0.1409% | 856 |
| Net operating income to assets | 1.2667% | 1,698 |
| Return on assets (ROA) | 1.2667% | 1,754 |
| Pretax return on assets | 1.6668% | 1,223 |
| Return on Equity (ROE) | 13.1843% | 1,403 |
| Retained earnings to average equity (ytd only) | 1.5752% | 4,099 |
| Net charge-offs to loans | -0.0368% | 4,192 |
| Credit loss provision to net charge-offs | -533.3333% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6628% | 2,913 |
| Assets per employee ($millions) | 5.3248% | 3,450 |
| Cash dividends to net income (ytd only)* | 88.0526% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 852 |
| Loan loss allowance to noncurrent loans | 1,072.4371% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,095 |
| Noncurrent loans to loans | 0.1684% | 3,104 |
| Net loans and leases to total assets | 69.0255% | 1,144 |
| Net loans and leases to deposits | 76.2719% | 1,543 |
| Net loans and leases to core deposits | 80.6342% | 1,545 |
| Total domestic deposits to total assets | 90.4993% | 718 |
| Equity capital to assets | 9.1775% | 3,441 |
| Core capital (leverage) ratio | 9.0607% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4496% | 1,696 |
| Memoranda: | ||
| Average total assets | $851,773,000 | 1,087 |
| Average earning assets | $816,289,800 | 1,067 |
| Average equity | $81,832,200 | 1,184 |
| Average total loans | $611,421,600 | 992 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6407% | 2,451 |
| Cost of funding earning assets | 0.1860% | 3,754 |
| Net interest margin | 3.4548% | 1,996 |
| Noninterest income to average assets | 1.5645% | 510 |
| Noninterest expense to average assets | 2.9679% | 1,022 |
| Loan and lease loss provision to assets | 0.1733% | 618 |
| Net operating income to assets | 1.3174% | 1,768 |
| Return on assets (ROA) | 1.3174% | 1,825 |
| Pretax return on assets | 1.7333% | 1,322 |
| Return on Equity (ROE) | 13.5560% | 1,536 |
| Retained earnings to average equity (ytd only) | 10.3141% | 1,227 |
| Net charge-offs to loans | -0.0323% | 4,163 |
| Credit loss provision to net charge-offs | -743.2432% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8874% | 2,848 |
| Assets per employee ($millions) | 5.2771% | 3,425 |
| Cash dividends to net income (ytd only)* | 23.9149% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 948 |
| Loan loss allowance to noncurrent loans | 668.2180% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,859 |
| Noncurrent loans to loans | 0.2678% | 2,851 |
| Net loans and leases to total assets | 68.7772% | 1,223 |
| Net loans and leases to deposits | 76.6348% | 1,606 |
| Net loans and leases to core deposits | 81.2861% | 1,633 |
| Total domestic deposits to total assets | 89.7467% | 897 |
| Equity capital to assets | 9.7871% | 3,115 |
| Core capital (leverage) ratio | 9.7561% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7932% | 1,391 |
| Memoranda: | ||
| Average total assets | $846,400,250 | 1,106 |
| Average earning assets | $810,917,250 | 1,081 |
| Average equity | $82,254,250 | 1,193 |
| Average total loans | $610,811,000 | 1,011 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 2,565 |
| Cost of funding earning assets | 0.2063% | 3,685 |
| Net interest margin | 3.4112% | 2,106 |
| Noninterest income to average assets | 1.7414% | 412 |
| Noninterest expense to average assets | 3.0999% | 844 |
| Loan and lease loss provision to assets | 0.1909% | 587 |
| Net operating income to assets | 1.3048% | 1,855 |
| Return on assets (ROA) | 1.3048% | 1,925 |
| Pretax return on assets | 1.7168% | 1,440 |
| Return on Equity (ROE) | 13.4594% | 1,578 |
| Retained earnings to average equity (ytd only) | 10.9984% | 1,125 |
| Net charge-offs to loans | -0.0412% | 4,285 |
| Credit loss provision to net charge-offs | -634.9206% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9039% | 2,742 |
| Assets per employee ($millions) | 5.0392% | 3,630 |
| Cash dividends to net income (ytd only)* | 18.2849% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 1,091 |
| Loan loss allowance to noncurrent loans | 459.8350% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,593 |
| Noncurrent loans to loans | 0.3669% | 2,588 |
| Net loans and leases to total assets | 71.6052% | 1,012 |
| Net loans and leases to deposits | 79.6127% | 1,464 |
| Net loans and leases to core deposits | 84.9295% | 1,497 |
| Total domestic deposits to total assets | 89.9418% | 809 |
| Equity capital to assets | 9.6697% | 3,179 |
| Core capital (leverage) ratio | 9.7351% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8482% | 1,375 |
| Memoranda: | ||
| Average total assets | $838,294,667 | 1,108 |
| Average earning assets | $802,648,000 | 1,088 |
| Average equity | $81,266,333 | 1,200 |
| Average total loans | $611,159,000 | 1,011 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 2,196 |
| Cost of funding earning assets | 0.2395% | 3,564 |
| Net interest margin | 3.5279% | 1,753 |
| Noninterest income to average assets | 1.8040% | 441 |
| Noninterest expense to average assets | 3.2282% | 687 |
| Loan and lease loss provision to assets | 0.1936% | 633 |
| Net operating income to assets | 1.3380% | 1,718 |
| Return on assets (ROA) | 1.3380% | 1,805 |
| Pretax return on assets | 1.7605% | 1,379 |
| Return on Equity (ROE) | 13.7841% | 1,477 |
| Retained earnings to average equity (ytd only) | 13.7841% | 781 |
| Net charge-offs to loans | -0.0491% | 4,383 |
| Credit loss provision to net charge-offs | -540.5405% | 3,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2934% | 2,705 |
| Assets per employee ($millions) | 5.0166% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 1,188 |
| Loan loss allowance to noncurrent loans | 430.4883% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,749 |
| Noncurrent loans to loans | 0.3817% | 2,725 |
| Net loans and leases to total assets | 72.4441% | 961 |
| Net loans and leases to deposits | 80.7373% | 1,449 |
| Net loans and leases to core deposits | 86.6271% | 1,482 |
| Total domestic deposits to total assets | 89.7282% | 942 |
| Equity capital to assets | 9.7425% | 2,953 |
| Core capital (leverage) ratio | 9.7842% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9362% | 1,310 |
| Memoranda: | ||
| Average total assets | $826,592,500 | 1,113 |
| Average earning assets | $791,525,000 | 1,091 |
| Average equity | $80,237,500 | 1,206 |
| Average total loans | $602,933,000 | 1,026 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 3,384 |
| Cost of funding earning assets | 0.5384% | 2,696 |
| Net interest margin | 3.2334% | 3,264 |
| Noninterest income to average assets | 1.4130% | 593 |
| Noninterest expense to average assets | 2.6779% | 2,301 |
| Loan and lease loss provision to assets | 0.4116% | 735 |
| Net operating income to assets | 1.0702% | 2,027 |
| Return on assets (ROA) | 1.0702% | 2,168 |
| Pretax return on assets | 1.4085% | 1,631 |
| Return on Equity (ROE) | 10.2284% | 1,919 |
| Retained earnings to average equity (ytd only) | 0.0681% | 4,498 |
| Net charge-offs to loans | -0.0218% | 4,446 |
| Credit loss provision to net charge-offs | -2,737.0690% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3397% | 3,809 |
| Assets per employee ($millions) | 5.1609% | 3,208 |
| Cash dividends to net income (ytd only)* | 99.3337% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 1,189 |
| Loan loss allowance to noncurrent loans | 445.3456% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 2,974 |
| Noncurrent loans to loans | 0.3685% | 2,879 |
| Net loans and leases to total assets | 71.0251% | 1,422 |
| Net loans and leases to deposits | 78.8682% | 1,987 |
| Net loans and leases to core deposits | 84.5303% | 1,992 |
| Total domestic deposits to total assets | 90.0554% | 541 |
| Equity capital to assets | 9.6705% | 3,439 |
| Core capital (leverage) ratio | 9.4291% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0674% | 1,247 |
| Memoranda: | ||
| Average total assets | $771,341,000 | 1,087 |
| Average earning assets | $735,944,600 | 1,058 |
| Average equity | $80,706,800 | 1,150 |
| Average total loans | $533,016,000 | 1,085 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,372 |
| Cost of funding earning assets | 0.6061% | 2,574 |
| Net interest margin | 3.2589% | 3,311 |
| Noninterest income to average assets | 1.1488% | 795 |
| Noninterest expense to average assets | 2.5306% | 2,740 |
| Loan and lease loss provision to assets | 0.2937% | 1,380 |
| Net operating income to assets | 1.0876% | 2,024 |
| Return on assets (ROA) | 1.0876% | 2,157 |
| Pretax return on assets | 1.4313% | 1,632 |
| Return on Equity (ROE) | 10.1874% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.9022% | 1,740 |
| Net charge-offs to loans | -0.0683% | 4,751 |
| Credit loss provision to net charge-offs | -629.6992% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7922% | 3,694 |
| Assets per employee ($millions) | 5.2390% | 2,968 |
| Cash dividends to net income (ytd only)* | 32.2477% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,367 |
| Loan loss allowance to noncurrent loans | 262.3541% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,401 |
| Noncurrent loans to loans | 0.5737% | 2,365 |
| Net loans and leases to total assets | 67.4325% | 2,329 |
| Net loans and leases to deposits | 75.4688% | 2,800 |
| Net loans and leases to core deposits | 81.0424% | 2,748 |
| Total domestic deposits to total assets | 89.3515% | 632 |
| Equity capital to assets | 10.2877% | 2,974 |
| Core capital (leverage) ratio | 10.1074% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8243% | 936 |
| Memoranda: | ||
| Average total assets | $760,322,500 | 1,084 |
| Average earning assets | $724,848,500 | 1,056 |
| Average equity | $81,169,750 | 1,129 |
| Average total loans | $519,066,750 | 1,096 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,639 |
| Cost of funding earning assets | 0.6910% | 2,439 |
| Net interest margin | 3.2031% | 3,663 |
| Noninterest income to average assets | 0.8163% | 1,390 |
| Noninterest expense to average assets | 2.3200% | 3,470 |
| Loan and lease loss provision to assets | 0.0806% | 3,278 |
| Net operating income to assets | 1.1146% | 1,914 |
| Return on assets (ROA) | 1.1146% | 2,036 |
| Pretax return on assets | 1.4667% | 1,537 |
| Return on Equity (ROE) | 10.3055% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.8228% | 1,362 |
| Net charge-offs to loans | -0.0866% | 4,819 |
| Credit loss provision to net charge-offs | -136.3636% | 3,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5334% | 3,478 |
| Assets per employee ($millions) | 5.1131% | 3,047 |
| Cash dividends to net income (ytd only)* | 24.0906% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,246 |
| Loan loss allowance to noncurrent loans | 159.7451% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 2,015 |
| Noncurrent loans to loans | 0.7842% | 1,932 |
| Net loans and leases to total assets | 68.1177% | 2,332 |
| Net loans and leases to deposits | 76.1866% | 2,841 |
| Net loans and leases to core deposits | 81.6993% | 2,798 |
| Total domestic deposits to total assets | 89.4091% | 608 |
| Equity capital to assets | 10.2741% | 2,945 |
| Core capital (leverage) ratio | 10.3687% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2408% | 1,011 |
| Memoranda: | ||
| Average total assets | $744,826,333 | 1,087 |
| Average earning assets | $709,431,333 | 1,061 |
| Average equity | $80,559,000 | 1,130 |
| Average total loans | $507,966,667 | 1,102 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,355 |
| Cost of funding earning assets | 0.8118% | 2,313 |
| Net interest margin | 3.3456% | 3,464 |
| Noninterest income to average assets | 0.6219% | 1,942 |
| Noninterest expense to average assets | 2.2472% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1837% | 1,571 |
| Return on assets (ROA) | 1.1837% | 1,690 |
| Pretax return on assets | 1.5573% | 1,159 |
| Return on Equity (ROE) | 10.6482% | 1,518 |
| Retained earnings to average equity (ytd only) | 10.6482% | 621 |
| Net charge-offs to loans | -0.1487% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5833% | 3,928 |
| Assets per employee ($millions) | 4.7568% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,951 |
| Loan loss allowance to noncurrent loans | 277.0076% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 2,876 |
| Noncurrent loans to loans | 0.4839% | 2,811 |
| Net loans and leases to total assets | 67.1645% | 2,682 |
| Net loans and leases to deposits | 75.9628% | 3,080 |
| Net loans and leases to core deposits | 82.4481% | 2,984 |
| Total domestic deposits to total assets | 88.4177% | 920 |
| Equity capital to assets | 11.2667% | 2,624 |
| Core capital (leverage) ratio | 11.1015% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7756% | 1,177 |
| Memoranda: | ||
| Average total assets | $718,416,000 | 1,089 |
| Average earning assets | $683,406,000 | 1,061 |
| Average equity | $79,863,000 | 1,138 |
| Average total loans | $486,834,000 | 1,115 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 3,673 |
| Cost of funding earning assets | 0.9202% | 2,113 |
| Net interest margin | 3.3310% | 3,915 |
| Noninterest income to average assets | 0.3302% | 3,727 |
| Noninterest expense to average assets | 2.0641% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0871% | 2,494 |
| Return on assets (ROA) | 1.0871% | 2,589 |
| Pretax return on assets | 1.4304% | 2,043 |
| Return on Equity (ROE) | 9.6515% | 2,452 |
| Retained earnings to average equity (ytd only) | 0.0931% | 4,663 |
| Net charge-offs to loans | -0.0029% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5380% | 3,907 |
| Assets per employee ($millions) | 4.6660% | 2,994 |
| Cash dividends to net income (ytd only)* | 99.0354% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 1,855 |
| Loan loss allowance to noncurrent loans | 277.3281% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 2,966 |
| Noncurrent loans to loans | 0.4741% | 2,765 |
| Net loans and leases to total assets | 66.5661% | 2,887 |
| Net loans and leases to deposits | 75.0344% | 3,255 |
| Net loans and leases to core deposits | 81.9006% | 3,131 |
| Total domestic deposits to total assets | 88.7141% | 784 |
| Equity capital to assets | 10.9664% | 3,034 |
| Core capital (leverage) ratio | 10.6416% | 2,818 |
| Tier 1 risk-based capital ratio | 16.2768% | 2,303 |
| Total risk-based capital ratio | 17.5280% | 2,247 |
| Memoranda: | ||
| Average total assets | $715,235,800 | 1,047 |
| Average earning assets | $679,426,200 | 1,027 |
| Average equity | $80,557,600 | 1,087 |
| Average total loans | $482,754,400 | 1,110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,818 |
| Cost of funding earning assets | 0.9119% | 2,172 |
| Net interest margin | 3.3336% | 4,033 |
| Noninterest income to average assets | 0.3335% | 3,745 |
| Noninterest expense to average assets | 1.9994% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1392% | 2,416 |
| Return on assets (ROA) | 1.1392% | 2,501 |
| Pretax return on assets | 1.4990% | 1,959 |
| Return on Equity (ROE) | 10.0479% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.7556% | 1,978 |
| Net charge-offs to loans | -0.0238% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6231% | 4,105 |
| Assets per employee ($millions) | 4.8395% | 2,746 |
| Cash dividends to net income (ytd only)* | 32.7654% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 1,798 |
| Loan loss allowance to noncurrent loans | 178.4330% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 2,360 |
| Noncurrent loans to loans | 0.7515% | 2,084 |
| Net loans and leases to total assets | 65.3200% | 3,139 |
| Net loans and leases to deposits | 73.9798% | 3,476 |
| Net loans and leases to core deposits | 80.9569% | 3,313 |
| Total domestic deposits to total assets | 88.2943% | 916 |
| Equity capital to assets | 11.4102% | 2,727 |
| Core capital (leverage) ratio | 11.1166% | 2,547 |
| Tier 1 risk-based capital ratio | 17.1246% | 2,045 |
| Total risk-based capital ratio | 18.3760% | 1,994 |
| Memoranda: | ||
| Average total assets | $714,405,250 | 1,056 |
| Average earning assets | $678,244,750 | 1,030 |
| Average equity | $80,997,000 | 1,074 |
| Average total loans | $482,270,750 | 1,115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 3,850 |
| Cost of funding earning assets | 0.8760% | 2,269 |
| Net interest margin | 3.3523% | 4,023 |
| Noninterest income to average assets | 0.2933% | 3,975 |
| Noninterest expense to average assets | 1.9900% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1267% | 2,417 |
| Return on assets (ROA) | 1.1267% | 2,493 |
| Pretax return on assets | 1.4828% | 1,913 |
| Return on Equity (ROE) | 9.9594% | 2,410 |
| Retained earnings to average equity (ytd only) | 7.4714% | 1,616 |
| Net charge-offs to loans | -0.0331% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7677% | 4,154 |
| Assets per employee ($millions) | 4.6188% | 2,979 |
| Cash dividends to net income (ytd only)* | 24.9813% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 1,861 |
| Loan loss allowance to noncurrent loans | 161.1765% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 2,117 |
| Noncurrent loans to loans | 0.8305% | 1,928 |
| Net loans and leases to total assets | 65.4485% | 3,173 |
| Net loans and leases to deposits | 73.9953% | 3,519 |
| Net loans and leases to core deposits | 80.7899% | 3,361 |
| Total domestic deposits to total assets | 88.4496% | 898 |
| Equity capital to assets | 11.2706% | 2,800 |
| Core capital (leverage) ratio | 11.0267% | 2,574 |
| Tier 1 risk-based capital ratio | 16.9279% | 2,110 |
| Total risk-based capital ratio | 18.1794% | 2,045 |
| Memoranda: | ||
| Average total assets | $710,566,330 | 1,063 |
| Average earning assets | $673,934,330 | 1,037 |
| Average equity | $80,386,330 | 1,079 |
| Average total loans | $482,822,000 | 1,117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,914 |
| Cost of funding earning assets | 0.8204% | 2,421 |
| Net interest margin | 3.3645% | 3,994 |
| Noninterest income to average assets | 0.2906% | 3,935 |
| Noninterest expense to average assets | 1.9964% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1267% | 2,363 |
| Return on assets (ROA) | 1.1267% | 2,413 |
| Pretax return on assets | 1.4828% | 1,829 |
| Return on Equity (ROE) | 9.9404% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.9404% | 1,051 |
| Net charge-offs to loans | -0.0050% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8416% | 4,232 |
| Assets per employee ($millions) | 4.6019% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 1,995 |
| Loan loss allowance to noncurrent loans | 155.1304% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 2,127 |
| Noncurrent loans to loans | 0.8514% | 1,933 |
| Net loans and leases to total assets | 66.6711% | 2,949 |
| Net loans and leases to deposits | 75.4481% | 3,311 |
| Net loans and leases to core deposits | 82.2552% | 3,167 |
| Total domestic deposits to total assets | 88.3668% | 1,151 |
| Equity capital to assets | 11.3146% | 2,546 |
| Core capital (leverage) ratio | 11.2769% | 2,315 |
| Tier 1 risk-based capital ratio | 16.3945% | 2,305 |
| Total risk-based capital ratio | 17.6456% | 2,247 |
| Memoranda: | ||
| Average total assets | $703,277,500 | 1,076 |
| Average earning assets | $666,493,500 | 1,051 |
| Average equity | $79,715,500 | 1,074 |
| Average total loans | $483,715,500 | 1,116 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,851 |
| Cost of funding earning assets | 0.5630% | 2,969 |
| Net interest margin | 3.5037% | 3,694 |
| Noninterest income to average assets | 0.3057% | 4,069 |
| Noninterest expense to average assets | 2.2179% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0844% | 2,661 |
| Return on assets (ROA) | 1.0844% | 2,658 |
| Pretax return on assets | 1.4271% | 2,052 |
| Return on Equity (ROE) | 9.1574% | 2,913 |
| Retained earnings to average equity (ytd only) | 0.1869% | 4,931 |
| Net charge-offs to loans | -0.0027% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4023% | 3,785 |
| Assets per employee ($millions) | 4.3878% | 3,323 |
| Cash dividends to net income (ytd only)* | 97.9592% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,992 |
| Loan loss allowance to noncurrent loans | 210.9821% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 2,452 |
| Noncurrent loans to loans | 0.6208% | 2,426 |
| Net loans and leases to total assets | 69.1148% | 2,711 |
| Net loans and leases to deposits | 78.2481% | 3,138 |
| Net loans and leases to core deposits | 84.4152% | 3,042 |
| Total domestic deposits to total assets | 88.3277% | 1,147 |
| Equity capital to assets | 11.3557% | 2,366 |
| Core capital (leverage) ratio | 11.0703% | 2,457 |
| Tier 1 risk-based capital ratio | 16.0063% | 2,400 |
| Total risk-based capital ratio | 17.2575% | 2,344 |
| Memoranda: | ||
| Average total assets | $677,802,200 | 1,083 |
| Average earning assets | $646,003,600 | 1,057 |
| Average equity | $80,262,600 | 1,028 |
| Average total loans | $485,995,600 | 1,075 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,950 |
| Cost of funding earning assets | 0.5213% | 3,049 |
| Net interest margin | 3.4724% | 3,795 |
| Noninterest income to average assets | 0.3084% | 4,081 |
| Noninterest expense to average assets | 2.1351% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1271% | 2,542 |
| Return on assets (ROA) | 1.1271% | 2,554 |
| Pretax return on assets | 1.4834% | 1,956 |
| Return on Equity (ROE) | 9.4186% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,604 |
| Net charge-offs to loans | -0.0422% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5894% | 4,026 |
| Assets per employee ($millions) | 4.4460% | 3,205 |
| Cash dividends to net income (ytd only)* | 35.1062% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 1,943 |
| Loan loss allowance to noncurrent loans | 206.4147% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 2,430 |
| Noncurrent loans to loans | 0.6463% | 2,473 |
| Net loans and leases to total assets | 70.2134% | 2,612 |
| Net loans and leases to deposits | 80.0372% | 3,044 |
| Net loans and leases to core deposits | 85.8865% | 2,999 |
| Total domestic deposits to total assets | 87.7259% | 1,378 |
| Equity capital to assets | 12.0160% | 1,898 |
| Core capital (leverage) ratio | 11.6372% | 2,055 |
| Tier 1 risk-based capital ratio | 16.7906% | 2,171 |
| Total risk-based capital ratio | 18.0421% | 2,119 |
| Memoranda: | ||
| Average total assets | $673,936,000 | 1,089 |
| Average earning assets | $642,422,000 | 1,062 |
| Average equity | $80,647,000 | 1,018 |
| Average total loans | $486,117,250 | 1,076 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 4,032 |
| Cost of funding earning assets | 0.4925% | 3,060 |
| Net interest margin | 3.4220% | 3,890 |
| Noninterest income to average assets | 0.3225% | 4,028 |
| Noninterest expense to average assets | 2.0995% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1293% | 2,477 |
| Return on assets (ROA) | 1.1293% | 2,484 |
| Pretax return on assets | 1.4861% | 1,862 |
| Return on Equity (ROE) | 9.4501% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.9533% | 2,099 |
| Net charge-offs to loans | -0.0276% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1877% | 4,199 |
| Assets per employee ($millions) | 4.4343% | 3,228 |
| Cash dividends to net income (ytd only)* | 26.4201% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 2,038 |
| Loan loss allowance to noncurrent loans | 200.7827% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,178 |
| Noncurrent loans to loans | 0.6616% | 2,459 |
| Net loans and leases to total assets | 69.3014% | 2,677 |
| Net loans and leases to deposits | 78.8353% | 3,069 |
| Net loans and leases to core deposits | 84.6862% | 3,028 |
| Total domestic deposits to total assets | 87.9065% | 1,430 |
| Equity capital to assets | 11.8373% | 1,967 |
| Core capital (leverage) ratio | 11.7666% | 1,858 |
| Tier 1 risk-based capital ratio | 16.6819% | 2,204 |
| Total risk-based capital ratio | 17.9334% | 2,152 |
| Memoranda: | ||
| Average total assets | $670,352,330 | 1,097 |
| Average earning assets | $639,211,000 | 1,069 |
| Average equity | $80,105,330 | 1,022 |
| Average total loans | $485,742,330 | 1,078 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,989 |
| Cost of funding earning assets | 0.4788% | 2,976 |
| Net interest margin | 3.3998% | 3,884 |
| Noninterest income to average assets | 0.3282% | 3,957 |
| Noninterest expense to average assets | 2.1352% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0915% | 2,463 |
| Return on assets (ROA) | 1.0915% | 2,476 |
| Pretax return on assets | 1.4371% | 1,875 |
| Return on Equity (ROE) | 9.0893% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.0893% | 1,429 |
| Net charge-offs to loans | 0.0099% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 198.1667% | 340 |
| Efficiency ratio | 59.4485% | 4,135 |
| Assets per employee ($millions) | 4.6300% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,224 |
| Loan loss allowance to noncurrent loans | 158.1918% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 2,108 |
| Noncurrent loans to loans | 0.8244% | 2,170 |
| Net loans and leases to total assets | 71.8966% | 2,187 |
| Net loans and leases to deposits | 81.9963% | 2,600 |
| Net loans and leases to core deposits | 88.3803% | 2,598 |
| Total domestic deposits to total assets | 87.6827% | 1,796 |
| Equity capital to assets | 12.0562% | 1,746 |
| Core capital (leverage) ratio | 11.9757% | 1,669 |
| Tier 1 risk-based capital ratio | 16.4301% | 2,302 |
| Total risk-based capital ratio | 17.6812% | 2,243 |
| Memoranda: | ||
| Average total assets | $661,870,000 | 1,117 |
| Average earning assets | $631,557,500 | 1,089 |
| Average equity | $79,478,000 | 1,036 |
| Average total loans | $487,247,000 | 1,080 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,862 |
| Cost of funding earning assets | 0.4262% | 2,992 |
| Net interest margin | 3.4305% | 3,751 |
| Noninterest income to average assets | 0.3106% | 4,237 |
| Noninterest expense to average assets | 2.2543% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6950% | 3,621 |
| Return on assets (ROA) | 0.6950% | 3,674 |
| Pretax return on assets | 1.3218% | 2,274 |
| Return on Equity (ROE) | 5.6620% | 3,889 |
| Retained earnings to average equity (ytd only) | 0.3252% | 4,896 |
| Net charge-offs to loans | 0.0880% | 2,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 20.4167% | 1,963 |
| Efficiency ratio | 62.7069% | 3,828 |
| Assets per employee ($millions) | 4.0809% | 3,840 |
| Cash dividends to net income (ytd only)* | 94.2559% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,224 |
| Loan loss allowance to noncurrent loans | 168.3289% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 2,199 |
| Noncurrent loans to loans | 0.7713% | 2,283 |
| Net loans and leases to total assets | 73.4324% | 2,016 |
| Net loans and leases to deposits | 83.6691% | 2,530 |
| Net loans and leases to core deposits | 90.3471% | 2,533 |
| Total domestic deposits to total assets | 87.7652% | 1,622 |
| Equity capital to assets | 11.9593% | 1,856 |
| Core capital (leverage) ratio | 11.6161% | 1,859 |
| Tier 1 risk-based capital ratio | 15.8598% | 2,488 |
| Total risk-based capital ratio | 17.1116% | 2,430 |
| Memoranda: | ||
| Average total assets | $648,756,800 | 1,123 |
| Average earning assets | $617,550,800 | 1,094 |
| Average equity | $79,636,600 | 1,011 |
| Average total loans | $477,136,600 | 1,071 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 3,965 |
| Cost of funding earning assets | 0.4129% | 3,063 |
| Net interest margin | 3.3982% | 3,855 |
| Noninterest income to average assets | 0.3464% | 4,065 |
| Noninterest expense to average assets | 2.2001% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8686% | 3,185 |
| Return on assets (ROA) | 0.8686% | 3,231 |
| Pretax return on assets | 1.3789% | 2,177 |
| Return on Equity (ROE) | 7.0301% | 3,646 |
| Retained earnings to average equity (ytd only) | 4.6940% | 3,083 |
| Net charge-offs to loans | -0.0025% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1383% | 4,025 |
| Assets per employee ($millions) | 4.1582% | 3,727 |
| Cash dividends to net income (ytd only)* | 33.2305% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,898 |
| Loan loss allowance to noncurrent loans | 152.8310% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 1,973 |
| Noncurrent loans to loans | 0.9147% | 2,099 |
| Net loans and leases to total assets | 72.2799% | 2,215 |
| Net loans and leases to deposits | 82.6219% | 2,706 |
| Net loans and leases to core deposits | 89.3294% | 2,668 |
| Total domestic deposits to total assets | 87.4828% | 1,634 |
| Equity capital to assets | 12.2708% | 1,794 |
| Core capital (leverage) ratio | 11.9273% | 1,740 |
| Tier 1 risk-based capital ratio | 16.2138% | 2,410 |
| Total risk-based capital ratio | 17.4671% | 2,359 |
| Memoranda: | ||
| Average total assets | $646,690,750 | 1,132 |
| Average earning assets | $615,182,000 | 1,102 |
| Average equity | $79,902,000 | 1,012 |
| Average total loans | $474,217,750 | 1,081 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 4,033 |
| Cost of funding earning assets | 0.3985% | 3,091 |
| Net interest margin | 3.3613% | 3,907 |
| Noninterest income to average assets | 0.3583% | 3,999 |
| Noninterest expense to average assets | 2.1668% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8759% | 3,041 |
| Return on assets (ROA) | 0.8759% | 3,098 |
| Pretax return on assets | 1.3903% | 2,061 |
| Return on Equity (ROE) | 7.0723% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,519 |
| Net charge-offs to loans | 0.0221% | 2,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 85.8077% | 727 |
| Efficiency ratio | 60.5729% | 4,227 |
| Assets per employee ($millions) | 4.4061% | 3,263 |
| Cash dividends to net income (ytd only)* | 24.9022% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,937 |
| Loan loss allowance to noncurrent loans | 134.3069% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 1,843 |
| Noncurrent loans to loans | 1.0448% | 1,880 |
| Net loans and leases to total assets | 71.8591% | 2,224 |
| Net loans and leases to deposits | 82.0701% | 2,691 |
| Net loans and leases to core deposits | 88.4845% | 2,660 |
| Total domestic deposits to total assets | 87.5582% | 1,686 |
| Equity capital to assets | 12.2506% | 1,761 |
| Core capital (leverage) ratio | 11.9981% | 1,634 |
| Tier 1 risk-based capital ratio | 16.3335% | 2,381 |
| Total risk-based capital ratio | 17.5870% | 2,325 |
| Memoranda: | ||
| Average total assets | $641,870,000 | 1,141 |
| Average earning assets | $610,840,330 | 1,111 |
| Average equity | $79,493,000 | 1,020 |
| Average total loans | $470,738,330 | 1,093 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 3,973 |
| Cost of funding earning assets | 0.3832% | 3,169 |
| Net interest margin | 3.3568% | 3,813 |
| Noninterest income to average assets | 0.3776% | 3,826 |
| Noninterest expense to average assets | 2.1477% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8951% | 2,786 |
| Return on assets (ROA) | 0.8951% | 2,833 |
| Pretax return on assets | 1.4215% | 1,811 |
| Return on Equity (ROE) | 7.1875% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.1875% | 1,787 |
| Net charge-offs to loans | 0.0625% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.8904% | 1,202 |
| Efficiency ratio | 59.8375% | 4,474 |
| Assets per employee ($millions) | 4.3604% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,931 |
| Loan loss allowance to noncurrent loans | 140.9349% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9883% | 1,853 |
| Noncurrent loans to loans | 1.0172% | 2,020 |
| Net loans and leases to total assets | 71.3074% | 2,167 |
| Net loans and leases to deposits | 81.6056% | 2,555 |
| Net loans and leases to core deposits | 87.9402% | 2,554 |
| Total domestic deposits to total assets | 87.3805% | 2,041 |
| Equity capital to assets | 12.3556% | 1,629 |
| Core capital (leverage) ratio | 12.2556% | 1,469 |
| Tier 1 risk-based capital ratio | 16.6839% | 2,284 |
| Total risk-based capital ratio | 17.9393% | 2,250 |
| Memoranda: | ||
| Average total assets | $634,548,000 | 1,152 |
| Average earning assets | $603,314,500 | 1,126 |
| Average equity | $79,026,000 | 1,022 |
| Average total loans | $466,868,000 | 1,098 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 3,846 |
| Cost of funding earning assets | 0.5045% | 2,055 |
| Net interest margin | 3.3123% | 4,103 |
| Noninterest income to average assets | 0.3256% | 4,410 |
| Noninterest expense to average assets | 2.2139% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7807% | 3,398 |
| Return on assets (ROA) | 0.7807% | 3,501 |
| Pretax return on assets | 1.2423% | 2,504 |
| Return on Equity (ROE) | 6.1020% | 3,924 |
| Retained earnings to average equity (ytd only) | 0.2942% | 5,200 |
| Net charge-offs to loans | 0.0556% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.6414% | 1,416 |
| Efficiency ratio | 63.6912% | 3,998 |
| Assets per employee ($millions) | 3.9478% | 4,063 |
| Cash dividends to net income (ytd only)* | 95.1790% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,874 |
| Loan loss allowance to noncurrent loans | 158.9756% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 1,631 |
| Noncurrent loans to loans | 0.9116% | 2,273 |
| Net loans and leases to total assets | 73.7632% | 1,882 |
| Net loans and leases to deposits | 84.6004% | 2,349 |
| Net loans and leases to core deposits | 91.1280% | 2,383 |
| Total domestic deposits to total assets | 87.1901% | 2,032 |
| Equity capital to assets | 12.5556% | 1,485 |
| Core capital (leverage) ratio | 11.9435% | 1,637 |
| Tier 1 risk-based capital ratio | 16.3122% | 2,423 |
| Total risk-based capital ratio | 17.5678% | 2,358 |
| Memoranda: | ||
| Average total assets | $619,099,400 | 1,131 |
| Average earning assets | $585,129,200 | 1,110 |
| Average equity | $79,203,200 | 1,000 |
| Average total loans | $451,544,600 | 1,087 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 3,913 |
| Cost of funding earning assets | 0.5230% | 1,919 |
| Net interest margin | 3.2783% | 4,265 |
| Noninterest income to average assets | 0.3549% | 4,250 |
| Noninterest expense to average assets | 2.2097% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7791% | 3,463 |
| Return on assets (ROA) | 0.7791% | 3,604 |
| Pretax return on assets | 1.2400% | 2,656 |
| Return on Equity (ROE) | 6.0618% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.0473% | 3,422 |
| Net charge-offs to loans | -0.0060% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6915% | 3,970 |
| Assets per employee ($millions) | 4.2408% | 3,525 |
| Cash dividends to net income (ytd only)* | 33.2318% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,669 |
| Loan loss allowance to noncurrent loans | 163.0445% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2414% | 1,586 |
| Noncurrent loans to loans | 0.9360% | 2,373 |
| Net loans and leases to total assets | 71.8583% | 2,216 |
| Net loans and leases to deposits | 84.0840% | 2,476 |
| Net loans and leases to core deposits | 90.7127% | 2,508 |
| Total domestic deposits to total assets | 85.4602% | 2,619 |
| Equity capital to assets | 12.7389% | 1,629 |
| Core capital (leverage) ratio | 12.3814% | 1,451 |
| Tier 1 risk-based capital ratio | 16.9643% | 2,237 |
| Total risk-based capital ratio | 18.2209% | 2,194 |
| Memoranda: | ||
| Average total assets | $617,936,000 | 1,138 |
| Average earning assets | $583,334,000 | 1,114 |
| Average equity | $79,425,000 | 999 |
| Average total loans | $447,714,250 | 1,091 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 3,970 |
| Cost of funding earning assets | 0.5603% | 1,615 |
| Net interest margin | 3.2346% | 4,423 |
| Noninterest income to average assets | 0.3891% | 3,962 |
| Noninterest expense to average assets | 2.2061% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7722% | 3,434 |
| Return on assets (ROA) | 0.7722% | 3,581 |
| Pretax return on assets | 1.2307% | 2,666 |
| Return on Equity (ROE) | 5.9897% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.4721% | 3,070 |
| Net charge-offs to loans | -0.0257% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8201% | 4,056 |
| Assets per employee ($millions) | 4.0114% | 3,881 |
| Cash dividends to net income (ytd only)* | 25.3378% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,591 |
| Loan loss allowance to noncurrent loans | 129.9174% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4521% | 1,338 |
| Noncurrent loans to loans | 1.2142% | 1,894 |
| Net loans and leases to total assets | 70.5300% | 2,395 |
| Net loans and leases to deposits | 84.1366% | 2,451 |
| Net loans and leases to core deposits | 90.4382% | 2,495 |
| Total domestic deposits to total assets | 83.8280% | 3,340 |
| Equity capital to assets | 12.7603% | 1,629 |
| Core capital (leverage) ratio | 12.2642% | 1,480 |
| Tier 1 risk-based capital ratio | 17.3674% | 2,110 |
| Total risk-based capital ratio | 18.6248% | 2,073 |
| Memoranda: | ||
| Average total assets | $613,288,670 | 1,155 |
| Average earning assets | $577,870,330 | 1,133 |
| Average equity | $79,068,670 | 1,006 |
| Average total loans | $443,254,330 | 1,098 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 3,897 |
| Cost of funding earning assets | 0.5502% | 1,711 |
| Net interest margin | 3.2628% | 4,350 |
| Noninterest income to average assets | 0.3855% | 3,944 |
| Noninterest expense to average assets | 2.1995% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7835% | 3,325 |
| Return on assets (ROA) | 0.7835% | 3,433 |
| Pretax return on assets | 1.2533% | 2,488 |
| Return on Equity (ROE) | 6.0449% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.0449% | 2,352 |
| Net charge-offs to loans | -0.0281% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3397% | 4,248 |
| Assets per employee ($millions) | 4.3404% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,631 |
| Loan loss allowance to noncurrent loans | 114.4713% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8915% | 951 |
| Noncurrent loans to loans | 1.3901% | 1,716 |
| Net loans and leases to total assets | 70.2238% | 2,305 |
| Net loans and leases to deposits | 85.5019% | 2,120 |
| Net loans and leases to core deposits | 91.8357% | 2,201 |
| Total domestic deposits to total assets | 82.1312% | 4,182 |
| Equity capital to assets | 12.7718% | 1,525 |
| Core capital (leverage) ratio | 12.6951% | 1,271 |
| Tier 1 risk-based capital ratio | 17.5131% | 2,118 |
| Total risk-based capital ratio | 18.7709% | 2,085 |
| Memoranda: | ||
| Average total assets | $607,043,500 | 1,164 |
| Average earning assets | $570,679,000 | 1,138 |
| Average equity | $78,677,500 | 1,011 |
| Average total loans | $440,663,500 | 1,102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 3,668 |
| Cost of funding earning assets | 0.5784% | 1,509 |
| Net interest margin | 3.3319% | 4,178 |
| Noninterest income to average assets | 0.3134% | 4,649 |
| Noninterest expense to average assets | 2.2840% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7172% | 3,727 |
| Return on assets (ROA) | 0.7172% | 3,837 |
| Pretax return on assets | 1.1518% | 2,832 |
| Return on Equity (ROE) | 5.2197% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.2449% | 5,413 |
| Net charge-offs to loans | 0.1404% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 2,601 |
| Efficiency ratio | 66.4099% | 3,839 |
| Assets per employee ($millions) | 4.0095% | 3,924 |
| Cash dividends to net income (ytd only)* | 95.3079% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 1,613 |
| Loan loss allowance to noncurrent loans | 190.7830% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 1,172 |
| Noncurrent loans to loans | 0.8389% | 2,691 |
| Net loans and leases to total assets | 72.6983% | 1,940 |
| Net loans and leases to deposits | 89.1049% | 1,731 |
| Net loans and leases to core deposits | 94.9530% | 1,946 |
| Total domestic deposits to total assets | 81.5873% | 4,308 |
| Equity capital to assets | 13.1584% | 1,276 |
| Core capital (leverage) ratio | 12.7682% | 1,240 |
| Tier 1 risk-based capital ratio | 17.4366% | 2,143 |
| Total risk-based capital ratio | 18.6953% | 2,098 |
| Memoranda: | ||
| Average total assets | $570,582,800 | 1,198 |
| Average earning assets | $534,711,000 | 1,176 |
| Average equity | $78,395,400 | 969 |
| Average total loans | $415,186,000 | 1,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,768 |
| Cost of funding earning assets | 0.5864% | 1,489 |
| Net interest margin | 3.3038% | 4,323 |
| Noninterest income to average assets | 0.3361% | 4,542 |
| Noninterest expense to average assets | 2.2171% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7555% | 3,657 |
| Return on assets (ROA) | 0.7555% | 3,755 |
| Pretax return on assets | 1.2137% | 2,759 |
| Return on Equity (ROE) | 5.4386% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.7396% | 3,814 |
| Net charge-offs to loans | 0.0414% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.4880% | 1,231 |
| Efficiency ratio | 64.6233% | 4,135 |
| Assets per employee ($millions) | 4.0743% | 3,750 |
| Cash dividends to net income (ytd only)* | 31.2403% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 1,296 |
| Loan loss allowance to noncurrent loans | 92.0434% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.5642% | 654 |
| Noncurrent loans to loans | 1.9406% | 1,197 |
| Net loans and leases to total assets | 72.5536% | 1,975 |
| Net loans and leases to deposits | 90.3123% | 1,601 |
| Net loans and leases to core deposits | 95.9806% | 1,882 |
| Total domestic deposits to total assets | 80.3363% | 4,662 |
| Equity capital to assets | 14.0328% | 1,007 |
| Core capital (leverage) ratio | 13.5917% | 980 |
| Tier 1 risk-based capital ratio | 18.5685% | 1,880 |
| Total risk-based capital ratio | 19.8300% | 1,842 |
| Memoranda: | ||
| Average total assets | $564,876,750 | 1,217 |
| Average earning assets | $529,110,500 | 1,197 |
| Average equity | $78,473,500 | 973 |
| Average total loans | $409,379,000 | 1,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,922 |
| Cost of funding earning assets | 0.5986% | 1,424 |
| Net interest margin | 3.2410% | 4,524 |
| Noninterest income to average assets | 0.3437% | 4,496 |
| Noninterest expense to average assets | 2.1910% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7371% | 3,705 |
| Return on assets (ROA) | 0.7371% | 3,816 |
| Pretax return on assets | 1.1843% | 2,841 |
| Return on Equity (ROE) | 5.3237% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.0440% | 3,441 |
| Net charge-offs to loans | 0.0477% | 2,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 34.4536% | 1,245 |
| Efficiency ratio | 64.9134% | 4,205 |
| Assets per employee ($millions) | 4.0691% | 3,747 |
| Cash dividends to net income (ytd only)* | 24.0385% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 1,351 |
| Loan loss allowance to noncurrent loans | 96.4396% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.7662% | 640 |
| Noncurrent loans to loans | 1.8759% | 1,342 |
| Net loans and leases to total assets | 71.9983% | 1,976 |
| Net loans and leases to deposits | 89.4910% | 1,661 |
| Net loans and leases to core deposits | 95.2039% | 1,863 |
| Total domestic deposits to total assets | 80.4531% | 4,762 |
| Equity capital to assets | 13.9410% | 995 |
| Core capital (leverage) ratio | 13.4104% | 1,012 |
| Tier 1 risk-based capital ratio | 18.6211% | 1,891 |
| Total risk-based capital ratio | 19.8831% | 1,852 |
| Memoranda: | ||
| Average total assets | $564,391,670 | 1,223 |
| Average earning assets | $527,927,000 | 1,206 |
| Average equity | $78,140,670 | 979 |
| Average total loans | $406,383,000 | 1,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 3,981 |
| Cost of funding earning assets | 0.5935% | 1,479 |
| Net interest margin | 3.2144% | 4,550 |
| Noninterest income to average assets | 0.3824% | 4,140 |
| Noninterest expense to average assets | 2.2143% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7301% | 3,645 |
| Return on assets (ROA) | 0.7301% | 3,779 |
| Pretax return on assets | 1.1728% | 2,768 |
| Return on Equity (ROE) | 5.2915% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.2915% | 2,893 |
| Net charge-offs to loans | -0.1909% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3749% | 4,257 |
| Assets per employee ($millions) | 4.1783% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 1,198 |
| Loan loss allowance to noncurrent loans | 89.3066% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.9246% | 659 |
| Noncurrent loans to loans | 2.1771% | 1,170 |
| Net loans and leases to total assets | 69.1535% | 2,258 |
| Net loans and leases to deposits | 87.3521% | 1,686 |
| Net loans and leases to core deposits | 92.6695% | 1,889 |
| Total domestic deposits to total assets | 79.1664% | 5,242 |
| Equity capital to assets | 13.7791% | 1,065 |
| Core capital (leverage) ratio | 13.5157% | 967 |
| Tier 1 risk-based capital ratio | 19.3384% | 1,782 |
| Total risk-based capital ratio | 20.5975% | 1,734 |
| Memoranda: | ||
| Average total assets | $563,785,000 | 1,223 |
| Average earning assets | $527,008,000 | 1,213 |
| Average equity | $77,785,500 | 985 |
| Average total loans | $402,210,000 | 1,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 4,004 |
| Cost of funding earning assets | 0.6026% | 1,736 |
| Net interest margin | 3.3297% | 4,475 |
| Noninterest income to average assets | 0.1078% | 6,121 |
| Noninterest expense to average assets | 2.2161% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6154% | 4,296 |
| Return on assets (ROA) | 0.6154% | 4,398 |
| Pretax return on assets | 0.9891% | 3,541 |
| Return on Equity (ROE) | 4.4382% | 4,923 |
| Retained earnings to average equity (ytd only) | 0.3323% | 5,625 |
| Net charge-offs to loans | 0.1873% | 2,174 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.5135% | 3,022 |
| Efficiency ratio | 69.1403% | 3,682 |
| Assets per employee ($millions) | 4.0239% | 3,897 |
| Cash dividends to net income (ytd only)* | 92.5123% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 1,354 |
| Loan loss allowance to noncurrent loans | 84.4351% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 3.3174% | 573 |
| Noncurrent loans to loans | 2.2298% | 1,186 |
| Net loans and leases to total assets | 70.8115% | 2,108 |
| Net loans and leases to deposits | 89.5027% | 1,566 |
| Net loans and leases to core deposits | 95.1535% | 1,793 |
| Total domestic deposits to total assets | 79.1166% | 5,230 |
| Equity capital to assets | 13.8152% | 1,026 |
| Core capital (leverage) ratio | 13.2721% | 1,035 |
| Tier 1 risk-based capital ratio | 19.1485% | 1,802 |
| Total risk-based capital ratio | 20.4071% | 1,769 |
| Memoranda: | ||
| Average total assets | $562,110,800 | 1,178 |
| Average earning assets | $522,904,000 | 1,166 |
| Average equity | $77,937,600 | 941 |
| Average total loans | $395,088,200 | 1,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 4,110 |
| Cost of funding earning assets | 0.5994% | 1,836 |
| Net interest margin | 3.3173% | 4,546 |
| Noninterest income to average assets | 0.1556% | 5,979 |
| Noninterest expense to average assets | 2.1537% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6764% | 4,072 |
| Return on assets (ROA) | 0.6764% | 4,161 |
| Pretax return on assets | 1.0857% | 3,244 |
| Return on Equity (ROE) | 4.8737% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.1666% | 4,374 |
| Net charge-offs to loans | 0.2932% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.3044% | 3,294 |
| Efficiency ratio | 66.4838% | 4,139 |
| Assets per employee ($millions) | 4.1310% | 3,597 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 1,484 |
| Loan loss allowance to noncurrent loans | 68.6627% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 3.5253% | 603 |
| Noncurrent loans to loans | 2.7456% | 1,023 |
| Net loans and leases to total assets | 68.7502% | 2,426 |
| Net loans and leases to deposits | 86.8998% | 1,801 |
| Net loans and leases to core deposits | 92.6715% | 1,980 |
| Total domestic deposits to total assets | 79.1143% | 5,301 |
| Equity capital to assets | 13.9355% | 1,030 |
| Core capital (leverage) ratio | 13.5345% | 985 |
| Tier 1 risk-based capital ratio | 19.9910% | 1,678 |
| Total risk-based capital ratio | 21.2498% | 1,645 |
| Memoranda: | ||
| Average total assets | $562,808,500 | 1,190 |
| Average earning assets | $523,186,500 | 1,172 |
| Average equity | $78,104,250 | 938 |
| Average total loans | $392,944,500 | 1,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,988 |
| Cost of funding earning assets | 0.5984% | 1,911 |
| Net interest margin | 3.3383% | 4,446 |
| Noninterest income to average assets | 0.1574% | 6,007 |
| Noninterest expense to average assets | 2.1276% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7017% | 3,834 |
| Return on assets (ROA) | 0.7017% | 3,923 |
| Pretax return on assets | 1.1261% | 2,989 |
| Return on Equity (ROE) | 5.0636% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.7791% | 3,780 |
| Net charge-offs to loans | 0.4626% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4912% | 3,292 |
| Efficiency ratio | 65.3901% | 4,461 |
| Assets per employee ($millions) | 4.0262% | 3,784 |
| Cash dividends to net income (ytd only)* | 25.3678% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 1,596 |
| Loan loss allowance to noncurrent loans | 95.0153% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 810 |
| Noncurrent loans to loans | 1.9955% | 1,690 |
| Net loans and leases to total assets | 68.7310% | 2,285 |
| Net loans and leases to deposits | 87.0467% | 1,701 |
| Net loans and leases to core deposits | 92.3476% | 1,917 |
| Total domestic deposits to total assets | 78.9588% | 5,467 |
| Equity capital to assets | 14.0238% | 957 |
| Core capital (leverage) ratio | 13.5487% | 964 |
| Tier 1 risk-based capital ratio | 20.1391% | 1,650 |
| Total risk-based capital ratio | 21.3981% | 1,620 |
| Memoranda: | ||
| Average total assets | $561,764,000 | 1,187 |
| Average earning assets | $521,045,670 | 1,169 |
| Average equity | $77,850,000 | 936 |
| Average total loans | $391,738,670 | 1,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 4,108 |
| Cost of funding earning assets | 0.5955% | 2,008 |
| Net interest margin | 3.2976% | 4,547 |
| Noninterest income to average assets | 0.2239% | 5,562 |
| Noninterest expense to average assets | 2.0895% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7413% | 3,474 |
| Return on assets (ROA) | 0.7413% | 3,559 |
| Pretax return on assets | 1.1883% | 2,535 |
| Return on Equity (ROE) | 5.3809% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.3809% | 2,864 |
| Net charge-offs to loans | 0.7130% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.3954% | 2,884 |
| Efficiency ratio | 63.7467% | 4,901 |
| Assets per employee ($millions) | 4.0930% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 1,649 |
| Loan loss allowance to noncurrent loans | 74.3819% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.9082% | 622 |
| Noncurrent loans to loans | 2.6080% | 1,317 |
| Net loans and leases to total assets | 68.3910% | 2,160 |
| Net loans and leases to deposits | 86.2990% | 1,562 |
| Net loans and leases to core deposits | 91.8729% | 1,743 |
| Total domestic deposits to total assets | 79.2490% | 5,641 |
| Equity capital to assets | 13.8190% | 979 |
| Core capital (leverage) ratio | 13.5104% | 970 |
| Tier 1 risk-based capital ratio | 19.7074% | 1,788 |
| Total risk-based capital ratio | 20.9666% | 1,759 |
| Memoranda: | ||
| Average total assets | $562,825,500 | 1,185 |
| Average earning assets | $521,230,000 | 1,178 |
| Average equity | $77,533,500 | 945 |
| Average total loans | $391,567,500 | 1,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,716 |
| Cost of funding earning assets | 0.6182% | 2,498 |
| Net interest margin | 3.7460% | 2,872 |
| Noninterest income to average assets | -0.3497% | 6,782 |
| Noninterest expense to average assets | 2.3205% | 5,316 |
| Loan and lease loss provision to assets | 0.4667% | 605 |
| Net operating income to assets | 0.1914% | 5,847 |
| Return on assets (ROA) | 0.1914% | 5,911 |
| Pretax return on assets | 0.3069% | 5,719 |
| Return on Equity (ROE) | 1.4189% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.1048% | 5,339 |
| Net charge-offs to loans | 0.7945% | 791 |
| Credit loss provision to net charge-offs | 80.9247% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.3414% | 4,615 |
| Efficiency ratio | 74.9957% | 2,952 |
| Assets per employee ($millions) | 4.1236% | 3,592 |
| Cash dividends to net income (ytd only)* | 22.1402% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,264 |
| Loan loss allowance to noncurrent loans | 101.3489% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 3.6374% | 783 |
| Noncurrent loans to loans | 2.1144% | 1,868 |
| Net loans and leases to total assets | 67.9111% | 2,370 |
| Net loans and leases to deposits | 85.6273% | 1,729 |
| Net loans and leases to core deposits | 91.0093% | 1,906 |
| Total domestic deposits to total assets | 79.3101% | 5,601 |
| Equity capital to assets | 13.7323% | 987 |
| Core capital (leverage) ratio | 13.1687% | 1,072 |
| Tier 1 risk-based capital ratio | 19.4068% | 1,819 |
| Total risk-based capital ratio | 20.6686% | 1,774 |
| Memoranda: | ||
| Average total assets | $566,268,800 | 1,165 |
| Average earning assets | $520,577,200 | 1,166 |
| Average equity | $76,395,800 | 933 |
| Average total loans | $411,079,800 | 1,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,374 |
| Cost of funding earning assets | 0.6200% | 2,647 |
| Net interest margin | 3.8439% | 2,487 |
| Noninterest income to average assets | -0.4322% | 6,863 |
| Noninterest expense to average assets | 2.2793% | 5,407 |
| Loan and lease loss provision to assets | 0.6208% | 378 |
| Net operating income to assets | 0.1224% | 6,093 |
| Return on assets (ROA) | 0.1224% | 6,162 |
| Pretax return on assets | 0.1959% | 6,047 |
| Return on Equity (ROE) | 0.9111% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.9111% | 5,613 |
| Net charge-offs to loans | 1.0617% | 534 |
| Credit loss provision to net charge-offs | 79.6804% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.0482% | 4,496 |
| Efficiency ratio | 73.6211% | 3,118 |
| Assets per employee ($millions) | 4.0925% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 1,458 |
| Loan loss allowance to noncurrent loans | 69.5036% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 4.2974% | 709 |
| Noncurrent loans to loans | 3.0580% | 1,302 |
| Net loans and leases to total assets | 68.0801% | 2,281 |
| Net loans and leases to deposits | 85.7195% | 1,647 |
| Net loans and leases to core deposits | 91.0549% | 1,862 |
| Total domestic deposits to total assets | 79.4220% | 5,644 |
| Equity capital to assets | 13.6782% | 1,055 |
| Core capital (leverage) ratio | 13.0957% | 1,168 |
| Tier 1 risk-based capital ratio | 19.2608% | 1,917 |
| Total risk-based capital ratio | 20.5223% | 1,879 |
| Memoranda: | ||
| Average total assets | $567,633,250 | 1,181 |
| Average earning assets | $521,026,000 | 1,179 |
| Average equity | $76,241,750 | 946 |
| Average total loans | $416,551,500 | 1,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 2,023 |
| Cost of funding earning assets | 0.6214% | 2,760 |
| Net interest margin | 3.9302% | 2,111 |
| Noninterest income to average assets | -0.8909% | 6,924 |
| Noninterest expense to average assets | 2.0152% | 6,020 |
| Loan and lease loss provision to assets | 0.8888% | 220 |
| Net operating income to assets | -0.1211% | 6,425 |
| Return on assets (ROA) | -0.1211% | 6,471 |
| Pretax return on assets | -0.1955% | 6,492 |
| Return on Equity (ROE) | -0.9068% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.9068% | 6,034 |
| Net charge-offs to loans | 1.5134% | 345 |
| Credit loss provision to net charge-offs | 78.6890% | 2,659 |
| Earnings coverage of net charge-offs (x) | 0.6139% | 4,321 |
| Efficiency ratio | 74.4008% | 3,051 |
| Assets per employee ($millions) | 4.3096% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 1,722 |
| Loan loss allowance to noncurrent loans | 58.5319% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 4.8011% | 655 |
| Noncurrent loans to loans | 3.5173% | 1,201 |
| Net loans and leases to total assets | 69.7459% | 1,926 |
| Net loans and leases to deposits | 87.5551% | 1,398 |
| Net loans and leases to core deposits | 93.0336% | 1,608 |
| Total domestic deposits to total assets | 79.6595% | 5,679 |
| Equity capital to assets | 13.4304% | 1,171 |
| Core capital (leverage) ratio | 12.8437% | 1,233 |
| Tier 1 risk-based capital ratio | 18.4236% | 2,166 |
| Total risk-based capital ratio | 19.6841% | 2,126 |
| Memoranda: | ||
| Average total assets | $569,955,670 | 1,176 |
| Average earning assets | $522,015,670 | 1,177 |
| Average equity | $76,092,670 | 954 |
| Average total loans | $425,405,000 | 999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 1,535 |
| Cost of funding earning assets | 0.6297% | 2,849 |
| Net interest margin | 4.0713% | 1,559 |
| Noninterest income to average assets | -0.8270% | 7,001 |
| Noninterest expense to average assets | 2.0082% | 6,093 |
| Loan and lease loss provision to assets | 0.7495% | 304 |
| Net operating income to assets | 0.0831% | 6,180 |
| Return on assets (ROA) | 0.0831% | 6,268 |
| Pretax return on assets | 0.1320% | 6,205 |
| Return on Equity (ROE) | 0.6244% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.6244% | 5,581 |
| Net charge-offs to loans | 1.4981% | 364 |
| Credit loss provision to net charge-offs | 65.5467% | 2,352 |
| Earnings coverage of net charge-offs (x) | 0.7709% | 3,573 |
| Efficiency ratio | 69.4948% | 4,058 |
| Assets per employee ($millions) | 4.1460% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 2,129 |
| Loan loss allowance to noncurrent loans | 50.8753% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 5.7023% | 591 |
| Noncurrent loans to loans | 3.8672% | 1,186 |
| Net loans and leases to total assets | 73.1446% | 1,186 |
| Net loans and leases to deposits | 91.5372% | 842 |
| Net loans and leases to core deposits | 97.5497% | 1,112 |
| Total domestic deposits to total assets | 79.9070% | 5,774 |
| Equity capital to assets | 13.3333% | 1,280 |
| Core capital (leverage) ratio | 13.1959% | 1,047 |
| Tier 1 risk-based capital ratio | 18.0959% | 2,322 |
| Total risk-based capital ratio | 19.3556% | 2,284 |
| Memoranda: | ||
| Average total assets | $572,652,500 | 1,184 |
| Average earning assets | $522,784,500 | 1,184 |
| Average equity | $76,227,500 | 960 |
| Average total loans | $437,089,500 | 981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 1,266 |
| Cost of funding earning assets | 0.7631% | 2,984 |
| Net interest margin | 4.3550% | 1,268 |
| Noninterest income to average assets | -0.6553% | 7,043 |
| Noninterest expense to average assets | 1.9927% | 6,337 |
| Loan and lease loss provision to assets | 1.0137% | 402 |
| Net operating income to assets | 0.1424% | 5,905 |
| Return on assets (ROA) | 0.1424% | 6,063 |
| Pretax return on assets | 0.2832% | 5,849 |
| Return on Equity (ROE) | 1.1264% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.1441% | 5,768 |
| Net charge-offs to loans | 1.5156% | 582 |
| Credit loss provision to net charge-offs | 83.4834% | 3,716 |
| Earnings coverage of net charge-offs (x) | 1.0681% | 4,928 |
| Efficiency ratio | 60.5769% | 5,452 |
| Assets per employee ($millions) | 4.0939% | 3,751 |
| Cash dividends to net income (ytd only)* | 87.2093% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,006 |
| Loan loss allowance to noncurrent loans | 45.3139% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 6.5374% | 506 |
| Noncurrent loans to loans | 4.4227% | 975 |
| Net loans and leases to total assets | 76.4748% | 859 |
| Net loans and leases to deposits | 95.6867% | 638 |
| Net loans and leases to core deposits | 102.2879% | 876 |
| Total domestic deposits to total assets | 79.9220% | 5,690 |
| Equity capital to assets | 13.2893% | 1,316 |
| Core capital (leverage) ratio | 13.1821% | 1,051 |
| Tier 1 risk-based capital ratio | 17.3999% | 2,484 |
| Total risk-based capital ratio | 18.6599% | 2,457 |
| Memoranda: | ||
| Average total assets | $603,843,400 | 1,102 |
| Average earning assets | $546,977,200 | 1,103 |
| Average equity | $76,349,200 | 925 |
| Average total loans | $483,756,800 | 852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,318 |
| Cost of funding earning assets | 0.7872% | 3,052 |
| Net interest margin | 4.3572% | 1,331 |
| Noninterest income to average assets | -0.6277% | 7,143 |
| Noninterest expense to average assets | 2.0039% | 6,351 |
| Loan and lease loss provision to assets | 0.7915% | 601 |
| Net operating income to assets | 0.2797% | 5,682 |
| Return on assets (ROA) | 0.2797% | 5,881 |
| Pretax return on assets | 0.5183% | 5,409 |
| Return on Equity (ROE) | 2.2392% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.9302% | 5,798 |
| Net charge-offs to loans | 1.1919% | 823 |
| Credit loss provision to net charge-offs | 82.3877% | 3,544 |
| Earnings coverage of net charge-offs (x) | 1.3634% | 4,614 |
| Efficiency ratio | 60.4751% | 5,417 |
| Assets per employee ($millions) | 4.2316% | 3,402 |
| Cash dividends to net income (ytd only)* | 58.4572% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 2,186 |
| Loan loss allowance to noncurrent loans | 47.2906% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 7.0647% | 508 |
| Noncurrent loans to loans | 4.2147% | 1,171 |
| Net loans and leases to total assets | 79.1433% | 584 |
| Net loans and leases to deposits | 98.5700% | 514 |
| Net loans and leases to core deposits | 105.3291% | 777 |
| Total domestic deposits to total assets | 80.2915% | 5,579 |
| Equity capital to assets | 13.1159% | 1,534 |
| Core capital (leverage) ratio | 12.7086% | 1,312 |
| Tier 1 risk-based capital ratio | 16.4607% | 3,025 |
| Total risk-based capital ratio | 17.7203% | 2,982 |
| Memoranda: | ||
| Average total assets | $611,516,500 | 1,091 |
| Average earning assets | $553,160,250 | 1,106 |
| Average equity | $76,394,500 | 924 |
| Average total loans | $492,876,000 | 840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,435 |
| Cost of funding earning assets | 0.8023% | 3,171 |
| Net interest margin | 4.3232% | 1,413 |
| Noninterest income to average assets | -0.5300% | 7,193 |
| Noninterest expense to average assets | 2.0074% | 6,414 |
| Loan and lease loss provision to assets | 0.7685% | 672 |
| Net operating income to assets | 0.3106% | 5,582 |
| Return on assets (ROA) | 0.3106% | 5,789 |
| Pretax return on assets | 0.6022% | 5,124 |
| Return on Equity (ROE) | 2.5259% | 5,871 |
| Retained earnings to average equity (ytd only) | 0.5607% | 5,840 |
| Net charge-offs to loans | 1.2152% | 888 |
| Credit loss provision to net charge-offs | 78.5056% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.4003% | 4,305 |
| Efficiency ratio | 59.4239% | 5,672 |
| Assets per employee ($millions) | 4.3568% | 3,154 |
| Cash dividends to net income (ytd only)* | 77.8008% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9593% | 2,342 |
| Loan loss allowance to noncurrent loans | 41.3946% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 7.3983% | 496 |
| Noncurrent loans to loans | 4.7331% | 1,086 |
| Net loans and leases to total assets | 78.1175% | 704 |
| Net loans and leases to deposits | 99.2086% | 456 |
| Net loans and leases to core deposits | 106.1092% | 737 |
| Total domestic deposits to total assets | 78.7406% | 6,006 |
| Equity capital to assets | 12.5047% | 1,813 |
| Core capital (leverage) ratio | 12.3343% | 1,426 |
| Tier 1 risk-based capital ratio | 16.0260% | 3,152 |
| Total risk-based capital ratio | 17.2854% | 3,118 |
| Memoranda: | ||
| Average total assets | $620,703,000 | 1,070 |
| Average earning assets | $561,116,000 | 1,086 |
| Average equity | $76,329,000 | 916 |
| Average total loans | $499,980,670 | 829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 1,276 |
| Cost of funding earning assets | 0.8190% | 3,323 |
| Net interest margin | 4.3980% | 1,229 |
| Noninterest income to average assets | -0.4632% | 7,246 |
| Noninterest expense to average assets | 2.0668% | 6,347 |
| Loan and lease loss provision to assets | 0.8261% | 582 |
| Net operating income to assets | 0.3827% | 5,333 |
| Return on assets (ROA) | 0.3827% | 5,513 |
| Pretax return on assets | 0.6101% | 5,084 |
| Return on Equity (ROE) | 3.1379% | 5,666 |
| Retained earnings to average equity (ytd only) | 3.1379% | 4,684 |
| Net charge-offs to loans | 1.3011% | 782 |
| Credit loss provision to net charge-offs | 78.4112% | 2,754 |
| Earnings coverage of net charge-offs (x) | 1.3633% | 3,650 |
| Efficiency ratio | 59.0005% | 5,771 |
| Assets per employee ($millions) | 4.5073% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 2,480 |
| Loan loss allowance to noncurrent loans | 45.5047% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 7.2980% | 566 |
| Noncurrent loans to loans | 4.3131% | 1,387 |
| Net loans and leases to total assets | 78.2869% | 562 |
| Net loans and leases to deposits | 98.7829% | 418 |
| Net loans and leases to core deposits | 106.1908% | 665 |
| Total domestic deposits to total assets | 79.2514% | 6,024 |
| Equity capital to assets | 12.2356% | 1,886 |
| Core capital (leverage) ratio | 12.1657% | 1,496 |
| Tier 1 risk-based capital ratio | 15.0890% | 3,700 |
| Total risk-based capital ratio | 16.3475% | 3,654 |
| Memoranda: | ||
| Average total assets | $626,080,500 | 1,062 |
| Average earning assets | $564,618,000 | 1,080 |
| Average equity | $76,357,500 | 914 |
| Average total loans | $506,972,000 | 821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 966 |
| Cost of funding earning assets | 1.1493% | 2,356 |
| Net interest margin | 4.4470% | 1,273 |
| Noninterest income to average assets | -0.3827% | 7,232 |
| Noninterest expense to average assets | 1.9937% | 6,681 |
| Loan and lease loss provision to assets | 0.9174% | 1,044 |
| Net operating income to assets | 0.4664% | 4,556 |
| Return on assets (ROA) | 0.5220% | 4,541 |
| Pretax return on assets | 0.8383% | 3,833 |
| Return on Equity (ROE) | 4.4995% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.8992% | 4,179 |
| Net charge-offs to loans | 1.0719% | 1,612 |
| Credit loss provision to net charge-offs | 100.0844% | 3,497 |
| Earnings coverage of net charge-offs (x) | 1.8208% | 4,420 |
| Efficiency ratio | 54.4329% | 6,472 |
| Assets per employee ($millions) | 4.7398% | 2,533 |
| Cash dividends to net income (ytd only)* | 35.5661% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 2,338 |
| Loan loss allowance to noncurrent loans | 45.6606% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 7.6811% | 555 |
| Noncurrent loans to loans | 4.3384% | 1,399 |
| Net loans and leases to total assets | 80.4722% | 448 |
| Net loans and leases to deposits | 101.5574% | 393 |
| Net loans and leases to core deposits | 108.1193% | 694 |
| Total domestic deposits to total assets | 79.2381% | 5,932 |
| Equity capital to assets | 12.1566% | 2,005 |
| Core capital (leverage) ratio | 12.0879% | 1,544 |
| Tier 1 risk-based capital ratio | 14.6112% | 3,893 |
| Total risk-based capital ratio | 15.8701% | 3,865 |
| Memoranda: | ||
| Average total assets | $646,388,800 | 1,002 |
| Average earning assets | $588,019,000 | 1,006 |
| Average equity | $74,986,800 | 897 |
| Average total loans | $552,759,600 | 760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 1,002 |
| Cost of funding earning assets | 1.2318% | 2,107 |
| Net interest margin | 4.3853% | 1,448 |
| Noninterest income to average assets | -0.3178% | 7,303 |
| Noninterest expense to average assets | 1.9798% | 6,730 |
| Loan and lease loss provision to assets | 1.0190% | 840 |
| Net operating income to assets | 0.4252% | 4,882 |
| Return on assets (ROA) | 0.4629% | 4,901 |
| Pretax return on assets | 0.7426% | 4,341 |
| Return on Equity (ROE) | 4.0363% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.8950% | 5,193 |
| Net charge-offs to loans | 1.2213% | 1,277 |
| Credit loss provision to net charge-offs | 96.6427% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.6148% | 4,436 |
| Efficiency ratio | 53.7619% | 6,515 |
| Assets per employee ($millions) | 4.6782% | 2,649 |
| Cash dividends to net income (ytd only)* | 53.0505% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,686 |
| Loan loss allowance to noncurrent loans | 34.9720% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 8.0146% | 550 |
| Noncurrent loans to loans | 5.3690% | 1,120 |
| Net loans and leases to total assets | 84.0055% | 225 |
| Net loans and leases to deposits | 104.2641% | 310 |
| Net loans and leases to core deposits | 111.7506% | 618 |
| Total domestic deposits to total assets | 80.5699% | 5,580 |
| Equity capital to assets | 12.0453% | 2,213 |
| Core capital (leverage) ratio | 11.9974% | 1,710 |
| Tier 1 risk-based capital ratio | 14.2093% | 4,194 |
| Total risk-based capital ratio | 15.4675% | 4,153 |
| Memoranda: | ||
| Average total assets | $651,573,250 | 1,002 |
| Average earning assets | $594,362,250 | 999 |
| Average equity | $74,719,000 | 910 |
| Average total loans | $562,537,000 | 759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 1,077 |
| Cost of funding earning assets | 1.3363% | 1,720 |
| Net interest margin | 4.2603% | 1,798 |
| Noninterest income to average assets | -0.1935% | 7,339 |
| Noninterest expense to average assets | 1.9826% | 6,827 |
| Loan and lease loss provision to assets | 0.7016% | 1,348 |
| Net operating income to assets | 0.6338% | 3,890 |
| Return on assets (ROA) | 0.6713% | 3,801 |
| Pretax return on assets | 1.0790% | 2,937 |
| Return on Equity (ROE) | 5.9483% | 4,001 |
| Retained earnings to average equity (ytd only) | 2.7330% | 4,548 |
| Net charge-offs to loans | 0.7267% | 2,058 |
| Credit loss provision to net charge-offs | 111.5385% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.7375% | 3,473 |
| Efficiency ratio | 53.5184% | 6,666 |
| Assets per employee ($millions) | 4.8062% | 2,398 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,694 |
| Loan loss allowance to noncurrent loans | 31.8259% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 8.2587% | 542 |
| Noncurrent loans to loans | 5.9415% | 1,013 |
| Net loans and leases to total assets | 85.4688% | 161 |
| Net loans and leases to deposits | 105.0959% | 288 |
| Net loans and leases to core deposits | 113.1398% | 608 |
| Total domestic deposits to total assets | 81.3246% | 5,415 |
| Equity capital to assets | 11.8066% | 2,237 |
| Core capital (leverage) ratio | 11.7582% | 1,741 |
| Tier 1 risk-based capital ratio | 13.7560% | 4,333 |
| Total risk-based capital ratio | 15.0135% | 4,305 |
| Memoranda: | ||
| Average total assets | $661,364,330 | 995 |
| Average earning assets | $605,123,000 | 984 |
| Average equity | $74,643,330 | 909 |
| Average total loans | $572,488,000 | 755 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 950 |
| Cost of funding earning assets | 1.4192% | 1,516 |
| Net interest margin | 4.2452% | 1,769 |
| Noninterest income to average assets | -0.3343% | 7,465 |
| Noninterest expense to average assets | 1.9270% | 6,942 |
| Loan and lease loss provision to assets | 0.5305% | 1,637 |
| Net operating income to assets | 0.6865% | 3,574 |
| Return on assets (ROA) | 0.7457% | 3,361 |
| Pretax return on assets | 1.1979% | 2,378 |
| Return on Equity (ROE) | 6.7532% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.7532% | 2,258 |
| Net charge-offs to loans | 0.7493% | 1,720 |
| Credit loss provision to net charge-offs | 82.0348% | 3,120 |
| Earnings coverage of net charge-offs (x) | 2.5298% | 3,069 |
| Efficiency ratio | 54.0842% | 6,692 |
| Assets per employee ($millions) | 4.6980% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 3,160 |
| Loan loss allowance to noncurrent loans | 32.1035% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 6.9052% | 784 |
| Noncurrent loans to loans | 5.4619% | 1,201 |
| Net loans and leases to total assets | 82.9461% | 280 |
| Net loans and leases to deposits | 105.3544% | 271 |
| Net loans and leases to core deposits | 113.4307% | 618 |
| Total domestic deposits to total assets | 78.7305% | 6,251 |
| Equity capital to assets | 11.1072% | 2,579 |
| Core capital (leverage) ratio | 11.0607% | 2,142 |
| Tier 1 risk-based capital ratio | 13.4463% | 4,463 |
| Total risk-based capital ratio | 14.7030% | 4,438 |
| Memoranda: | ||
| Average total assets | $674,835,000 | 994 |
| Average earning assets | $619,525,000 | 979 |
| Average equity | $74,513,000 | 897 |
| Average total loans | $582,389,500 | 747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7280% | 1,475 |
| Cost of funding earning assets | 1.8007% | 1,171 |
| Net interest margin | 3.9274% | 3,361 |
| Noninterest income to average assets | -0.4325% | 7,549 |
| Noninterest expense to average assets | 1.7900% | 7,275 |
| Loan and lease loss provision to assets | 1.3326% | 1,146 |
| Net operating income to assets | 0.0402% | 5,731 |
| Return on assets (ROA) | 0.0970% | 5,734 |
| Pretax return on assets | 0.1561% | 5,582 |
| Return on Equity (ROE) | 0.9710% | 5,709 |
| Retained earnings to average equity (ytd only) | 0.9710% | 5,065 |
| Net charge-offs to loans | 1.8537% | 1,122 |
| Credit loss provision to net charge-offs | 82.3723% | 5,474 |
| Earnings coverage of net charge-offs (x) | 0.8654% | 5,269 |
| Efficiency ratio | 56.1134% | 6,583 |
| Assets per employee ($millions) | 4.5793% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 3,135 |
| Loan loss allowance to noncurrent loans | 34.3100% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 6.9865% | 786 |
| Noncurrent loans to loans | 5.0135% | 1,337 |
| Net loans and leases to total assets | 86.6681% | 148 |
| Net loans and leases to deposits | 110.0282% | 238 |
| Net loans and leases to core deposits | 119.3928% | 549 |
| Total domestic deposits to total assets | 78.7690% | 6,144 |
| Equity capital to assets | 10.9758% | 2,706 |
| Core capital (leverage) ratio | 10.9290% | 2,213 |
| Tier 1 risk-based capital ratio | 12.7466% | 4,824 |
| Total risk-based capital ratio | 14.0021% | 4,787 |
| Memoranda: | ||
| Average total assets | $734,285,400 | 916 |
| Average earning assets | $677,299,000 | 906 |
| Average equity | $73,327,600 | 910 |
| Average total loans | $640,821,800 | 688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7026% | 1,706 |
| Cost of funding earning assets | 1.8716% | 1,131 |
| Net interest margin | 3.8310% | 3,837 |
| Noninterest income to average assets | -0.4981% | 7,676 |
| Noninterest expense to average assets | 1.7658% | 7,370 |
| Loan and lease loss provision to assets | 1.5351% | 858 |
| Net operating income to assets | -0.1636% | 6,267 |
| Return on assets (ROA) | -0.1233% | 6,301 |
| Pretax return on assets | -0.1969% | 6,314 |
| Return on Equity (ROE) | -1.2625% | 6,310 |
| Retained earnings to average equity (ytd only) | -1.2625% | 6,056 |
| Net charge-offs to loans | 2.2034% | 816 |
| Credit loss provision to net charge-offs | 80.0185% | 5,133 |
| Earnings coverage of net charge-offs (x) | 0.6647% | 5,381 |
| Efficiency ratio | 58.0662% | 6,262 |
| Assets per employee ($millions) | 4.8335% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,303 |
| Loan loss allowance to noncurrent loans | 41.1681% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 5.9353% | 1,010 |
| Noncurrent loans to loans | 4.0306% | 1,855 |
| Net loans and leases to total assets | 85.8303% | 216 |
| Net loans and leases to deposits | 108.6599% | 284 |
| Net loans and leases to core deposits | 121.5330% | 570 |
| Total domestic deposits to total assets | 78.9899% | 6,022 |
| Equity capital to assets | 10.3414% | 3,713 |
| Core capital (leverage) ratio | 10.2952% | 2,926 |
| Tier 1 risk-based capital ratio | 12.1287% | 5,335 |
| Total risk-based capital ratio | 13.3843% | 5,294 |
| Memoranda: | ||
| Average total assets | $749,569,000 | 901 |
| Average earning assets | $692,433,000 | 891 |
| Average equity | $73,188,500 | 906 |
| Average total loans | $652,622,750 | 672 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 1,991 |
| Cost of funding earning assets | 1.9192% | 1,168 |
| Net interest margin | 3.7186% | 4,275 |
| Noninterest income to average assets | -0.2572% | 7,698 |
| Noninterest expense to average assets | 1.7185% | 7,490 |
| Loan and lease loss provision to assets | 1.3424% | 1,009 |
| Net operating income to assets | 0.0778% | 5,926 |
| Return on assets (ROA) | 0.1060% | 5,963 |
| Pretax return on assets | 0.1700% | 5,845 |
| Return on Equity (ROE) | 1.1059% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.1059% | 5,319 |
| Net charge-offs to loans | 2.2685% | 788 |
| Credit loss provision to net charge-offs | 68.0164% | 5,020 |
| Earnings coverage of net charge-offs (x) | 0.7439% | 5,003 |
| Efficiency ratio | 53.9256% | 6,890 |
| Assets per employee ($millions) | 4.9652% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,600 |
| Loan loss allowance to noncurrent loans | 38.6777% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 5.7593% | 1,048 |
| Noncurrent loans to loans | 4.0506% | 1,864 |
| Net loans and leases to total assets | 85.9099% | 233 |
| Net loans and leases to deposits | 107.8544% | 327 |
| Net loans and leases to core deposits | 129.5347% | 427 |
| Total domestic deposits to total assets | 79.6535% | 5,834 |
| Equity capital to assets | 10.0808% | 3,908 |
| Core capital (leverage) ratio | 10.0364% | 3,126 |
| Tier 1 risk-based capital ratio | 11.8229% | 5,466 |
| Total risk-based capital ratio | 13.0774% | 5,434 |
| Memoranda: | ||
| Average total assets | $765,804,670 | 889 |
| Average earning assets | $709,247,330 | 871 |
| Average equity | $73,425,000 | 899 |
| Average total loans | $666,263,000 | 657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 2,530 |
| Cost of funding earning assets | 1.9541% | 1,232 |
| Net interest margin | 3.5572% | 4,912 |
| Noninterest income to average assets | -0.2337% | 7,811 |
| Noninterest expense to average assets | 1.6806% | 7,591 |
| Loan and lease loss provision to assets | 1.1483% | 1,067 |
| Net operating income to assets | 0.1508% | 5,857 |
| Return on assets (ROA) | 0.1802% | 5,884 |
| Pretax return on assets | 0.2889% | 5,641 |
| Return on Equity (ROE) | 1.9251% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.9251% | 4,975 |
| Net charge-offs to loans | 2.8868% | 539 |
| Credit loss provision to net charge-offs | 45.7875% | 4,542 |
| Earnings coverage of net charge-offs (x) | 0.5547% | 4,536 |
| Efficiency ratio | 54.7101% | 6,914 |
| Assets per employee ($millions) | 5.2397% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,091 |
| Loan loss allowance to noncurrent loans | 28.6681% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 6.2953% | 925 |
| Noncurrent loans to loans | 5.1153% | 1,407 |
| Net loans and leases to total assets | 84.9657% | 294 |
| Net loans and leases to deposits | 106.1214% | 417 |
| Net loans and leases to core deposits | 131.3972% | 453 |
| Total domestic deposits to total assets | 80.0647% | 5,759 |
| Equity capital to assets | 9.5457% | 4,456 |
| Core capital (leverage) ratio | 9.5031% | 3,768 |
| Tier 1 risk-based capital ratio | 11.3482% | 5,811 |
| Total risk-based capital ratio | 12.6015% | 5,782 |
| Memoranda: | ||
| Average total assets | $783,764,000 | 887 |
| Average earning assets | $728,326,000 | 863 |
| Average equity | $73,348,500 | 906 |
| Average total loans | $680,882,500 | 666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8277% | 2,539 |
| Cost of funding earning assets | 2.3271% | 1,550 |
| Net interest margin | 3.5005% | 4,953 |
| Noninterest income to average assets | -0.1374% | 7,825 |
| Noninterest expense to average assets | 1.5544% | 7,792 |
| Loan and lease loss provision to assets | 0.8298% | 2,648 |
| Net operating income to assets | 0.4736% | 3,841 |
| Return on assets (ROA) | 0.5242% | 3,719 |
| Pretax return on assets | 0.8453% | 3,099 |
| Return on Equity (ROE) | 5.7356% | 3,315 |
| Retained earnings to average equity (ytd only) | -3.9024% | 5,847 |
| Net charge-offs to loans | 0.9153% | 2,559 |
| Credit loss provision to net charge-offs | 102.9289% | 5,363 |
| Earnings coverage of net charge-offs (x) | 1.9798% | 4,235 |
| Efficiency ratio | 49.3399% | 7,572 |
| Assets per employee ($millions) | 5.3871% | 1,756 |
| Cash dividends to net income (ytd only)* | 168.0384% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 2,206 |
| Loan loss allowance to noncurrent loans | 32.5082% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 6.4156% | 859 |
| Noncurrent loans to loans | 5.9187% | 1,060 |
| Net loans and leases to total assets | 85.8113% | 293 |
| Net loans and leases to deposits | 111.2674% | 339 |
| Net loans and leases to core deposits | 180.8130% | 160 |
| Total domestic deposits to total assets | 77.1217% | 6,441 |
| Equity capital to assets | 9.1776% | 4,877 |
| Core capital (leverage) ratio | 9.1272% | 4,232 |
| Tier 1 risk-based capital ratio | 11.1189% | 5,810 |
| Total risk-based capital ratio | 12.3787% | 5,748 |
| Memoranda: | ||
| Average total assets | $834,345,200 | 814 |
| Average earning assets | $783,624,000 | 784 |
| Average equity | $76,260,000 | 847 |
| Average total loans | $734,824,600 | 627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8674% | 2,592 |
| Cost of funding earning assets | 2.3818% | 1,695 |
| Net interest margin | 3.4856% | 4,921 |
| Noninterest income to average assets | -0.1960% | 7,977 |
| Noninterest expense to average assets | 1.5841% | 7,844 |
| Loan and lease loss provision to assets | 0.9756% | 1,967 |
| Net operating income to assets | 0.3211% | 4,715 |
| Return on assets (ROA) | 0.3878% | 4,548 |
| Pretax return on assets | 0.6273% | 4,098 |
| Return on Equity (ROE) | 4.2475% | 4,272 |
| Retained earnings to average equity (ytd only) | -4.1471% | 6,129 |
| Net charge-offs to loans | 1.0958% | 1,821 |
| Credit loss provision to net charge-offs | 100.9320% | 5,034 |
| Earnings coverage of net charge-offs (x) | 1.5504% | 4,624 |
| Efficiency ratio | 51.3868% | 7,456 |
| Assets per employee ($millions) | 5.4416% | 1,674 |
| Cash dividends to net income (ytd only)* | 197.6366% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,140 |
| Loan loss allowance to noncurrent loans | 37.0814% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 5.5100% | 1,036 |
| Noncurrent loans to loans | 5.0106% | 1,315 |
| Net loans and leases to total assets | 84.9361% | 442 |
| Net loans and leases to deposits | 118.2980% | 232 |
| Net loans and leases to core deposits | 192.1392% | 125 |
| Total domestic deposits to total assets | 71.7985% | 7,229 |
| Equity capital to assets | 8.9167% | 5,612 |
| Core capital (leverage) ratio | 8.8661% | 4,876 |
| Tier 1 risk-based capital ratio | 10.9236% | 6,022 |
| Total risk-based capital ratio | 12.1827% | 5,972 |
| Memoranda: | ||
| Average total assets | $843,609,750 | 814 |
| Average earning assets | $793,538,750 | 781 |
| Average equity | $77,032,000 | 853 |
| Average total loans | $744,134,750 | 635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,604 |
| Cost of funding earning assets | 2.4571% | 1,760 |
| Net interest margin | 3.4390% | 5,033 |
| Noninterest income to average assets | 0.0608% | 7,684 |
| Noninterest expense to average assets | 1.5737% | 7,926 |
| Loan and lease loss provision to assets | 0.2645% | 4,461 |
| Net operating income to assets | 0.9056% | 2,435 |
| Return on assets (ROA) | 0.9747% | 2,291 |
| Pretax return on assets | 1.5692% | 1,281 |
| Return on Equity (ROE) | 10.5932% | 1,825 |
| Retained earnings to average equity (ytd only) | 9.3132% | 854 |
| Net charge-offs to loans | 0.3864% | 3,268 |
| Credit loss provision to net charge-offs | 77.1291% | 5,276 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,929 |
| Efficiency ratio | 47.6942% | 7,769 |
| Assets per employee ($millions) | 5.5698% | 1,527 |
| Cash dividends to net income (ytd only)* | 12.0831% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,171 |
| Loan loss allowance to noncurrent loans | 35.2243% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 5.3647% | 945 |
| Noncurrent loans to loans | 4.9791% | 1,237 |
| Net loans and leases to total assets | 85.9914% | 379 |
| Net loans and leases to deposits | 120.7405% | 221 |
| Net loans and leases to core deposits | 207.8236% | 97 |
| Total domestic deposits to total assets | 71.2200% | 7,340 |
| Equity capital to assets | 9.4243% | 4,710 |
| Core capital (leverage) ratio | 9.3751% | 4,064 |
| Tier 1 risk-based capital ratio | 11.5001% | 5,379 |
| Total risk-based capital ratio | 12.7579% | 5,296 |
| Memoranda: | ||
| Average total assets | $849,104,670 | 828 |
| Average earning assets | $799,656,670 | 797 |
| Average equity | $78,125,330 | 848 |
| Average total loans | $753,570,330 | 643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9974% | 2,379 |
| Cost of funding earning assets | 2.5961% | 1,578 |
| Net interest margin | 3.4014% | 5,135 |
| Noninterest income to average assets | -0.0833% | 8,130 |
| Noninterest expense to average assets | 1.5015% | 7,988 |
| Loan and lease loss provision to assets | 0.0993% | 5,695 |
| Net operating income to assets | 0.9412% | 2,540 |
| Return on assets (ROA) | 1.0791% | 2,166 |
| Pretax return on assets | 1.7362% | 1,106 |
| Return on Equity (ROE) | 11.8714% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.8714% | 814 |
| Net charge-offs to loans | 0.0458% | 4,839 |
| Credit loss provision to net charge-offs | 242.5287% | 1,923 |
| Earnings coverage of net charge-offs (x) | 39.5862% | 859 |
| Efficiency ratio | 48.1013% | 7,724 |
| Assets per employee ($millions) | 5.4723% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 1,903 |
| Loan loss allowance to noncurrent loans | 43.0516% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.7312% | 989 |
| Noncurrent loans to loans | 4.1325% | 1,443 |
| Net loans and leases to total assets | 88.8190% | 206 |
| Net loans and leases to deposits | 126.6568% | 182 |
| Net loans and leases to core deposits | 212.5616% | 109 |
| Total domestic deposits to total assets | 70.1257% | 7,415 |
| Equity capital to assets | 9.3688% | 4,846 |
| Core capital (leverage) ratio | 9.3206% | 4,215 |
| Tier 1 risk-based capital ratio | 11.1554% | 5,755 |
| Total risk-based capital ratio | 12.4138% | 5,664 |
| Memoranda: | ||
| Average total assets | $850,355,500 | 829 |
| Average earning assets | $801,211,000 | 797 |
| Average equity | $77,295,000 | 854 |
| Average total loans | $759,854,500 | 644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6081% | 2,444 |
| Cost of funding earning assets | 3.5050% | 509 |
| Net interest margin | 3.1031% | 6,645 |
| Noninterest income to average assets | 0.3107% | 6,232 |
| Noninterest expense to average assets | 1.3808% | 8,086 |
| Loan and lease loss provision to assets | 0.2110% | 4,785 |
| Net operating income to assets | 1.0179% | 2,484 |
| Return on assets (ROA) | 1.0435% | 2,278 |
| Pretax return on assets | 1.6739% | 1,206 |
| Return on Equity (ROE) | 12.4117% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.5622% | 3,600 |
| Net charge-offs to loans | 0.2072% | 4,129 |
| Credit loss provision to net charge-offs | 117.5701% | 4,581 |
| Earnings coverage of net charge-offs (x) | 10.2785% | 2,541 |
| Efficiency ratio | 42.8041% | 8,048 |
| Assets per employee ($millions) | 5.5706% | 1,406 |
| Cash dividends to net income (ytd only)* | 79.3569% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 1,727 |
| Loan loss allowance to noncurrent loans | 73.7737% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 3.1664% | 1,442 |
| Noncurrent loans to loans | 2.3900% | 2,298 |
| Net loans and leases to total assets | 86.7620% | 501 |
| Net loans and leases to deposits | 124.2147% | 301 |
| Net loans and leases to core deposits | 217.0565% | 120 |
| Total domestic deposits to total assets | 69.8484% | 7,292 |
| Equity capital to assets | 8.8191% | 5,619 |
| Core capital (leverage) ratio | 8.7736% | 5,078 |
| Tier 1 risk-based capital ratio | 10.6873% | 6,013 |
| Total risk-based capital ratio | 11.9454% | 5,915 |
| Memoranda: | ||
| Average total assets | $894,130,200 | 750 |
| Average earning assets | $839,971,600 | 720 |
| Average equity | $75,170,800 | 882 |
| Average total loans | $774,455,000 | 615 |