Home > GBC International Bank > Performance and Condition Ratios
GBC International 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 | 5.4737% | 1,202 |
| Cost of funding earning assets | 2.0150% | 898 |
| Net interest margin | 3.4587% | 2,282 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4651% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9710% | 2,305 |
| Return on assets (ROA) | 0.9710% | 2,291 |
| Pretax return on assets | 1.3591% | 1,722 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.8057% | 1,955 |
| Net charge-offs to loans | -0.0035% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4601% | 2,549 |
| Assets per employee ($millions) | 7.4116% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 1,757 |
| Loan loss allowance to noncurrent loans | 328.8000% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 1,776 |
| Noncurrent loans to loans | 0.3959% | 1,796 |
| Net loans and leases to total assets | 73.3300% | 1,436 |
| Net loans and leases to deposits | 104.6812% | 331 |
| Net loans and leases to core deposits | 135.8549% | 321 |
| Total domestic deposits to total assets | 70.0500% | 4,289 |
| Equity capital to assets | 14.4418% | 611 |
| Core capital (leverage) ratio | 15.2533% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $620,172,000 | 1,436 |
| Average earning assets | $597,856,000 | 1,381 |
| Average equity | $88,484,600 | 1,046 |
| Average total loans | $480,232,800 | 1,276 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 1,124 |
| Cost of funding earning assets | 1.8484% | 933 |
| Net interest margin | 3.5601% | 2,088 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.4416% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1017% | 2,050 |
| Return on assets (ROA) | 1.1017% | 2,031 |
| Pretax return on assets | 1.5414% | 1,482 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.7463% | 2,055 |
| Net charge-offs to loans | -0.0064% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.3001% | 2,808 |
| Assets per employee ($millions) | 7.0630% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 1,832 |
| Loan loss allowance to noncurrent loans | 264.8498% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 1,504 |
| Noncurrent loans to loans | 0.4937% | 1,583 |
| Net loans and leases to total assets | 76.6800% | 1,035 |
| Net loans and leases to deposits | 109.8686% | 202 |
| Net loans and leases to core deposits | 140.2472% | 218 |
| Total domestic deposits to total assets | 69.7900% | 4,330 |
| Equity capital to assets | 14.8351% | 548 |
| Core capital (leverage) ratio | 15.1596% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $615,865,000 | 1,445 |
| Average earning assets | $593,635,750 | 1,395 |
| Average equity | $87,592,750 | 1,050 |
| Average total loans | $481,903,000 | 1,269 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 1,125 |
| Cost of funding earning assets | 1.6576% | 955 |
| Net interest margin | 3.6068% | 2,024 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.4562% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1482% | 1,973 |
| Return on assets (ROA) | 1.1482% | 1,970 |
| Pretax return on assets | 1.6066% | 1,405 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.1887% | 1,908 |
| Net charge-offs to loans | -0.0091% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4551% | 2,904 |
| Assets per employee ($millions) | 7.0959% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,005 |
| Loan loss allowance to noncurrent loans | 357.8886% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,790 |
| Noncurrent loans to loans | 0.3582% | 1,848 |
| Net loans and leases to total assets | 77.8500% | 853 |
| Net loans and leases to deposits | 112.6775% | 163 |
| Net loans and leases to core deposits | 145.1380% | 169 |
| Total domestic deposits to total assets | 69.0900% | 4,380 |
| Equity capital to assets | 14.5276% | 573 |
| Core capital (leverage) ratio | 14.9021% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $618,680,667 | 1,433 |
| Average earning assets | $596,760,000 | 1,388 |
| Average equity | $86,753,333 | 1,054 |
| Average total loans | $485,224,333 | 1,245 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 1,089 |
| Cost of funding earning assets | 1.4725% | 890 |
| Net interest margin | 3.6268% | 2,065 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4229% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0718% | 2,316 |
| Return on assets (ROA) | 1.0718% | 2,288 |
| Pretax return on assets | 1.5052% | 1,660 |
| Return on Equity (ROE) | 7.7800% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.7807% | 2,289 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6806% | 2,733 |
| Assets per employee ($millions) | 7.3580% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,230 |
| Loan loss allowance to noncurrent loans | 410.9626% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 1,909 |
| Noncurrent loans to loans | 0.3073% | 2,044 |
| Net loans and leases to total assets | 77.7800% | 785 |
| Net loans and leases to deposits | 105.7206% | 259 |
| Net loans and leases to core deposits | 136.5551% | 213 |
| Total domestic deposits to total assets | 73.5700% | 4,304 |
| Equity capital to assets | 14.0718% | 588 |
| Core capital (leverage) ratio | 14.4743% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $622,895,500 | 1,451 |
| Average earning assets | $600,868,500 | 1,398 |
| Average equity | $85,802,500 | 1,076 |
| Average total loans | $487,207,000 | 1,255 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 1,115 |
| Cost of funding earning assets | 0.6467% | 725 |
| Net interest margin | 3.6236% | 1,581 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.3613% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1831% | 1,846 |
| Return on assets (ROA) | 1.1831% | 1,778 |
| Pretax return on assets | 1.6780% | 973 |
| Return on Equity (ROE) | 9.3500% | 3,014 |
| Retained earnings to average equity (ytd only) | 9.3533% | 1,376 |
| Net charge-offs to loans | 0.0159% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 828 |
| Efficiency ratio | 58.4579% | 3,270 |
| Assets per employee ($millions) | 7.1332% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,056 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 1,881 |
| Noncurrent loans to loans | 0.3288% | 1,975 |
| Net loans and leases to total assets | 76.6800% | 940 |
| Net loans and leases to deposits | 95.7321% | 664 |
| Net loans and leases to core deposits | 124.7852% | 294 |
| Total domestic deposits to total assets | 80.1000% | 3,868 |
| Equity capital to assets | 13.4824% | 632 |
| Core capital (leverage) ratio | 13.9528% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $649,213,000 | 1,378 |
| Average earning assets | $630,733,400 | 1,329 |
| Average equity | $82,120,400 | 1,104 |
| Average total loans | $491,081,200 | 1,195 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 1,156 |
| Cost of funding earning assets | 0.5015% | 752 |
| Net interest margin | 3.5515% | 1,518 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.3023% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2321% | 1,581 |
| Return on assets (ROA) | 1.2321% | 1,559 |
| Pretax return on assets | 1.7474% | 816 |
| Return on Equity (ROE) | 9.9000% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.8968% | 1,380 |
| Net charge-offs to loans | -0.0130% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8504% | 3,534 |
| Assets per employee ($millions) | 7.3090% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,887 |
| Loan loss allowance to noncurrent loans | 530.1681% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 2,325 |
| Noncurrent loans to loans | 0.2509% | 2,375 |
| Net loans and leases to total assets | 75.3400% | 981 |
| Net loans and leases to deposits | 90.6536% | 850 |
| Net loans and leases to core deposits | 119.8924% | 258 |
| Total domestic deposits to total assets | 83.1000% | 3,675 |
| Equity capital to assets | 13.3280% | 638 |
| Core capital (leverage) ratio | 13.5335% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $654,585,500 | 1,377 |
| Average earning assets | $637,053,500 | 1,327 |
| Average equity | $81,492,500 | 1,126 |
| Average total loans | $491,965,750 | 1,188 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 1,188 |
| Cost of funding earning assets | 0.4127% | 847 |
| Net interest margin | 3.4485% | 1,461 |
| Noninterest income to average assets | 0.6063% | 1,713 |
| Noninterest expense to average assets | 2.2572% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2036% | 1,414 |
| Return on assets (ROA) | 1.2036% | 1,398 |
| Pretax return on assets | 1.7080% | 739 |
| Return on Equity (ROE) | 9.8845% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.8845% | 1,052 |
| Net charge-offs to loans | -0.0096% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9253% | 3,687 |
| Assets per employee ($millions) | 7.3520% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,293 |
| Loan loss allowance to noncurrent loans | 458.0904% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,215 |
| Noncurrent loans to loans | 0.2786% | 2,350 |
| Net loans and leases to total assets | 77.8027% | 569 |
| Net loans and leases to deposits | 93.3975% | 548 |
| Net loans and leases to core deposits | 118.6851% | 211 |
| Total domestic deposits to total assets | 83.3028% | 3,818 |
| Equity capital to assets | 13.1275% | 643 |
| Core capital (leverage) ratio | 12.8820% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $665,692,667 | 1,366 |
| Average earning assets | $648,391,333 | 1,332 |
| Average equity | $81,056,000 | 1,147 |
| Average total loans | $497,841,000 | 1,173 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 1,505 |
| Cost of funding earning assets | 0.4076% | 833 |
| Net interest margin | 3.1926% | 1,906 |
| Noninterest income to average assets | 0.4693% | 2,301 |
| Noninterest expense to average assets | 2.1898% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9841% | 1,949 |
| Return on assets (ROA) | 0.9841% | 1,945 |
| Pretax return on assets | 1.3940% | 1,270 |
| Return on Equity (ROE) | 8.3807% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.3807% | 1,458 |
| Net charge-offs to loans | 0.0519% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 36.7846% | 1,042 |
| Efficiency ratio | 61.1030% | 3,368 |
| Assets per employee ($millions) | 7.8365% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,689 |
| Loan loss allowance to noncurrent loans | 365.9185% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 2,127 |
| Noncurrent loans to loans | 0.3367% | 2,278 |
| Net loans and leases to total assets | 74.5476% | 615 |
| Net loans and leases to deposits | 88.5179% | 594 |
| Net loans and leases to core deposits | 111.1252% | 236 |
| Total domestic deposits to total assets | 84.2175% | 3,724 |
| Equity capital to assets | 12.0880% | 927 |
| Core capital (leverage) ratio | 11.8940% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,080,000 | 1,345 |
| Average earning assets | $669,294,500 | 1,294 |
| Average equity | $80,566,000 | 1,191 |
| Average total loans | $500,517,500 | 1,163 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 1,592 |
| Cost of funding earning assets | 0.5438% | 738 |
| Net interest margin | 3.3635% | 2,134 |
| Noninterest income to average assets | 0.7137% | 1,717 |
| Noninterest expense to average assets | 2.0787% | 3,443 |
| Loan and lease loss provision to assets | 0.0775% | 1,576 |
| Net operating income to assets | 1.3041% | 1,584 |
| Return on assets (ROA) | 1.3041% | 1,624 |
| Pretax return on assets | 1.8477% | 820 |
| Return on Equity (ROE) | 12.1814% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.1814% | 517 |
| Net charge-offs to loans | 0.0453% | 1,380 |
| Credit loss provision to net charge-offs | 219.1235% | 1,257 |
| Earnings coverage of net charge-offs (x) | 54.4462% | 1,249 |
| Efficiency ratio | 51.9175% | 4,123 |
| Assets per employee ($millions) | 8.1156% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,591 |
| Loan loss allowance to noncurrent loans | 347.2546% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 2,284 |
| Noncurrent loans to loans | 0.3618% | 2,288 |
| Net loans and leases to total assets | 69.6849% | 1,079 |
| Net loans and leases to deposits | 83.4417% | 953 |
| Net loans and leases to core deposits | 105.6418% | 376 |
| Total domestic deposits to total assets | 83.5133% | 3,688 |
| Equity capital to assets | 11.4174% | 1,547 |
| Core capital (leverage) ratio | 11.0704% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $709,859,000 | 1,275 |
| Average earning assets | $694,397,400 | 1,228 |
| Average equity | $75,993,000 | 1,263 |
| Average total loans | $553,731,800 | 1,084 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 1,840 |
| Cost of funding earning assets | 0.5750% | 722 |
| Net interest margin | 3.2993% | 2,415 |
| Noninterest income to average assets | 0.6098% | 2,174 |
| Noninterest expense to average assets | 2.0575% | 3,494 |
| Loan and lease loss provision to assets | 0.0376% | 2,240 |
| Net operating income to assets | 1.2309% | 2,059 |
| Return on assets (ROA) | 1.2309% | 2,122 |
| Pretax return on assets | 1.7435% | 1,295 |
| Return on Equity (ROE) | 11.6907% | 2,145 |
| Retained earnings to average equity (ytd only) | 11.6907% | 900 |
| Net charge-offs to loans | 0.0242% | 1,559 |
| Credit loss provision to net charge-offs | 194.1748% | 1,220 |
| Earnings coverage of net charge-offs (x) | 92.1845% | 911 |
| Efficiency ratio | 53.6014% | 3,859 |
| Assets per employee ($millions) | 7.7311% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,232 |
| Loan loss allowance to noncurrent loans | 324.0107% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 2,427 |
| Noncurrent loans to loans | 0.3530% | 2,509 |
| Net loans and leases to total assets | 75.2603% | 596 |
| Net loans and leases to deposits | 89.3310% | 636 |
| Net loans and leases to core deposits | 114.5232% | 247 |
| Total domestic deposits to total assets | 84.2488% | 3,388 |
| Equity capital to assets | 11.2396% | 1,863 |
| Core capital (leverage) ratio | 11.0753% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $710,810,000 | 1,293 |
| Average earning assets | $695,610,750 | 1,239 |
| Average equity | $74,838,000 | 1,298 |
| Average total loans | $567,596,000 | 1,083 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 2,054 |
| Cost of funding earning assets | 0.6182% | 675 |
| Net interest margin | 3.1853% | 2,796 |
| Noninterest income to average assets | 0.5010% | 2,622 |
| Noninterest expense to average assets | 2.0589% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1008% | 2,545 |
| Return on assets (ROA) | 1.1008% | 2,609 |
| Pretax return on assets | 1.5588% | 1,849 |
| Return on Equity (ROE) | 10.6897% | 2,533 |
| Retained earnings to average equity (ytd only) | 10.6897% | 1,198 |
| Net charge-offs to loans | 0.0176% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 109.3922% | 711 |
| Efficiency ratio | 56.9123% | 3,417 |
| Assets per employee ($millions) | 7.2651% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,663 |
| Loan loss allowance to noncurrent loans | 482.4490% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,088 |
| Noncurrent loans to loans | 0.2162% | 3,182 |
| Net loans and leases to total assets | 80.4006% | 294 |
| Net loans and leases to deposits | 95.1201% | 416 |
| Net loans and leases to core deposits | 122.7323% | 190 |
| Total domestic deposits to total assets | 84.5253% | 3,275 |
| Equity capital to assets | 10.8479% | 2,106 |
| Core capital (leverage) ratio | 10.3612% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $715,813,000 | 1,278 |
| Average earning assets | $700,403,000 | 1,221 |
| Average equity | $73,715,667 | 1,305 |
| Average total loans | $580,221,000 | 1,065 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 2,102 |
| Cost of funding earning assets | 0.6686% | 621 |
| Net interest margin | 3.1306% | 2,904 |
| Noninterest income to average assets | 0.5175% | 2,530 |
| Noninterest expense to average assets | 2.0011% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1161% | 2,424 |
| Return on assets (ROA) | 1.1161% | 2,502 |
| Pretax return on assets | 1.5801% | 1,781 |
| Return on Equity (ROE) | 11.1239% | 2,326 |
| Retained earnings to average equity (ytd only) | 11.1239% | 1,371 |
| Net charge-offs to loans | -0.0007% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8774% | 3,560 |
| Assets per employee ($millions) | 7.5145% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,884 |
| Loan loss allowance to noncurrent loans | 279.6904% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 2,714 |
| Noncurrent loans to loans | 0.3530% | 2,817 |
| Net loans and leases to total assets | 80.3776% | 317 |
| Net loans and leases to deposits | 95.7128% | 415 |
| Net loans and leases to core deposits | 109.7614% | 414 |
| Total domestic deposits to total assets | 83.9779% | 3,441 |
| Equity capital to assets | 9.9132% | 2,785 |
| Core capital (leverage) ratio | 9.8641% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $724,994,500 | 1,251 |
| Average earning assets | $709,511,000 | 1,196 |
| Average equity | $72,744,000 | 1,315 |
| Average total loans | $586,999,500 | 1,053 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 1,847 |
| Cost of funding earning assets | 1.0990% | 403 |
| Net interest margin | 3.2083% | 3,335 |
| Noninterest income to average assets | 0.3683% | 3,273 |
| Noninterest expense to average assets | 2.0152% | 4,112 |
| Loan and lease loss provision to assets | 0.2242% | 1,742 |
| Net operating income to assets | 0.8744% | 2,811 |
| Return on assets (ROA) | 0.9252% | 2,730 |
| Pretax return on assets | 1.3303% | 1,878 |
| Return on Equity (ROE) | 9.0262% | 2,380 |
| Retained earnings to average equity (ytd only) | 9.0262% | 765 |
| Net charge-offs to loans | 0.0139% | 2,847 |
| Credit loss provision to net charge-offs | 1,948.0519% | 450 |
| Earnings coverage of net charge-offs (x) | 129.4675% | 652 |
| Efficiency ratio | 57.4883% | 3,794 |
| Assets per employee ($millions) | 6.9906% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,702 |
| Loan loss allowance to noncurrent loans | 267.4742% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 2,731 |
| Noncurrent loans to loans | 0.3910% | 2,811 |
| Net loans and leases to total assets | 79.8972% | 435 |
| Net loans and leases to deposits | 99.4025% | 398 |
| Net loans and leases to core deposits | 114.8676% | 388 |
| Total domestic deposits to total assets | 80.3774% | 3,984 |
| Equity capital to assets | 10.1607% | 2,972 |
| Core capital (leverage) ratio | 10.1278% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $668,958,600 | 1,219 |
| Average earning assets | $654,125,600 | 1,175 |
| Average equity | $68,567,200 | 1,312 |
| Average total loans | $552,753,600 | 1,050 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 1,762 |
| Cost of funding earning assets | 1.1875% | 388 |
| Net interest margin | 3.2430% | 3,355 |
| Noninterest income to average assets | 0.3612% | 3,302 |
| Noninterest expense to average assets | 2.0064% | 4,132 |
| Loan and lease loss provision to assets | 0.3032% | 1,331 |
| Net operating income to assets | 0.8441% | 2,934 |
| Return on assets (ROA) | 0.9127% | 2,777 |
| Pretax return on assets | 1.3097% | 2,012 |
| Return on Equity (ROE) | 8.8842% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.8842% | 1,015 |
| Net charge-offs to loans | 0.0080% | 2,829 |
| Credit loss provision to net charge-offs | 4,545.4545% | 247 |
| Earnings coverage of net charge-offs (x) | 228.7879% | 453 |
| Efficiency ratio | 56.8004% | 3,819 |
| Assets per employee ($millions) | 6.9814% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,681 |
| Loan loss allowance to noncurrent loans | 385.9897% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 3,336 |
| Noncurrent loans to loans | 0.2608% | 3,367 |
| Net loans and leases to total assets | 83.7543% | 300 |
| Net loans and leases to deposits | 102.0494% | 452 |
| Net loans and leases to core deposits | 122.2042% | 370 |
| Total domestic deposits to total assets | 82.0723% | 3,402 |
| Equity capital to assets | 9.9383% | 3,283 |
| Core capital (leverage) ratio | 9.8580% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $659,684,500 | 1,217 |
| Average earning assets | $645,058,500 | 1,165 |
| Average equity | $67,774,000 | 1,315 |
| Average total loans | $548,422,000 | 1,049 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,909 |
| Cost of funding earning assets | 1.2718% | 401 |
| Net interest margin | 3.2297% | 3,578 |
| Noninterest income to average assets | 0.2752% | 3,826 |
| Noninterest expense to average assets | 1.9533% | 4,324 |
| Loan and lease loss provision to assets | 0.2327% | 1,809 |
| Net operating income to assets | 0.8601% | 2,838 |
| Return on assets (ROA) | 0.9498% | 2,624 |
| Pretax return on assets | 1.3610% | 1,835 |
| Return on Equity (ROE) | 9.1364% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.1364% | 971 |
| Net charge-offs to loans | -0.0207% | 4,414 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8911% | 3,834 |
| Assets per employee ($millions) | 7.0157% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,007 |
| Loan loss allowance to noncurrent loans | 2,190.1639% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,374 |
| Noncurrent loans to loans | 0.0411% | 4,317 |
| Net loans and leases to total assets | 83.9102% | 259 |
| Net loans and leases to deposits | 100.7967% | 501 |
| Net loans and leases to core deposits | 118.8356% | 456 |
| Total domestic deposits to total assets | 83.2470% | 3,014 |
| Equity capital to assets | 9.7879% | 3,383 |
| Core capital (leverage) ratio | 9.9159% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $644,539,000 | 1,221 |
| Average earning assets | $630,280,667 | 1,171 |
| Average equity | $67,006,333 | 1,316 |
| Average total loans | $532,371,000 | 1,063 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,664 |
| Cost of funding earning assets | 1.4402% | 334 |
| Net interest margin | 3.2762% | 3,654 |
| Noninterest income to average assets | 0.2636% | 3,958 |
| Noninterest expense to average assets | 2.3545% | 3,638 |
| Loan and lease loss provision to assets | 0.2597% | 1,201 |
| Net operating income to assets | 0.5908% | 3,621 |
| Return on assets (ROA) | 0.5928% | 3,669 |
| Pretax return on assets | 0.8558% | 3,266 |
| Return on Equity (ROE) | 5.5187% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.5187% | 2,059 |
| Net charge-offs to loans | -0.0439% | 4,588 |
| Credit loss provision to net charge-offs | -727.2727% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9026% | 2,685 |
| Assets per employee ($millions) | 6.1725% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,676 |
| Loan loss allowance to noncurrent loans | 305.2567% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,407 |
| Noncurrent loans to loans | 0.3294% | 3,311 |
| Net loans and leases to total assets | 78.8581% | 849 |
| Net loans and leases to deposits | 94.5927% | 1,029 |
| Net loans and leases to core deposits | 112.0612% | 753 |
| Total domestic deposits to total assets | 83.3660% | 2,995 |
| Equity capital to assets | 10.6867% | 3,153 |
| Core capital (leverage) ratio | 10.4820% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $616,023,500 | 1,239 |
| Average earning assets | $602,408,500 | 1,180 |
| Average equity | $66,175,000 | 1,326 |
| Average total loans | $501,540,000 | 1,095 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 1,390 |
| Cost of funding earning assets | 1.5362% | 358 |
| Net interest margin | 3.4957% | 3,457 |
| Noninterest income to average assets | 0.2567% | 4,145 |
| Noninterest expense to average assets | 2.4374% | 3,600 |
| Loan and lease loss provision to assets | 0.0351% | 3,306 |
| Net operating income to assets | 0.8579% | 3,364 |
| Return on assets (ROA) | 0.9226% | 3,192 |
| Pretax return on assets | 1.2717% | 2,607 |
| Return on Equity (ROE) | 8.4041% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.4041% | 853 |
| Net charge-offs to loans | -0.0036% | 4,293 |
| Credit loss provision to net charge-offs | -1,176.4706% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5549% | 2,683 |
| Assets per employee ($millions) | 6.0863% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 3,977 |
| Loan loss allowance to noncurrent loans | 1,948.0687% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,447 |
| Noncurrent loans to loans | 0.0460% | 4,371 |
| Net loans and leases to total assets | 82.4692% | 494 |
| Net loans and leases to deposits | 102.4240% | 447 |
| Net loans and leases to core deposits | 118.5551% | 517 |
| Total domestic deposits to total assets | 80.5174% | 3,876 |
| Equity capital to assets | 10.7993% | 3,183 |
| Core capital (leverage) ratio | 10.7883% | 2,686 |
| Tier 1 risk-based capital ratio | 13.4469% | 3,554 |
| Total risk-based capital ratio | 14.5122% | 3,532 |
| Memoranda: | ||
| Average total assets | $570,026,000 | 1,270 |
| Average earning assets | $555,345,800 | 1,222 |
| Average equity | $62,576,600 | 1,343 |
| Average total loans | $478,854,800 | 1,116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 1,581 |
| Cost of funding earning assets | 1.5431% | 360 |
| Net interest margin | 3.4408% | 3,755 |
| Noninterest income to average assets | 0.2798% | 4,072 |
| Noninterest expense to average assets | 2.4609% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8502% | 3,518 |
| Return on assets (ROA) | 0.8468% | 3,610 |
| Pretax return on assets | 1.1644% | 3,091 |
| Return on Equity (ROE) | 7.6797% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.6797% | 1,549 |
| Net charge-offs to loans | -0.0020% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8007% | 2,453 |
| Assets per employee ($millions) | 5.9444% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,182 |
| Loan loss allowance to noncurrent loans | 359.5515% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 3,741 |
| Noncurrent loans to loans | 0.2406% | 3,681 |
| Net loans and leases to total assets | 85.1587% | 241 |
| Net loans and leases to deposits | 104.9390% | 361 |
| Net loans and leases to core deposits | 118.7197% | 570 |
| Total domestic deposits to total assets | 81.1507% | 3,710 |
| Equity capital to assets | 11.0481% | 3,064 |
| Core capital (leverage) ratio | 10.7987% | 2,838 |
| Tier 1 risk-based capital ratio | 13.3677% | 3,649 |
| Total risk-based capital ratio | 14.4173% | 3,662 |
| Memoranda: | ||
| Average total assets | $560,376,250 | 1,298 |
| Average earning assets | $545,555,500 | 1,245 |
| Average equity | $61,789,000 | 1,353 |
| Average total loans | $471,951,750 | 1,132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,820 |
| Cost of funding earning assets | 1.5177% | 355 |
| Net interest margin | 3.3608% | 4,006 |
| Noninterest income to average assets | 0.2557% | 4,227 |
| Noninterest expense to average assets | 2.5194% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7343% | 3,887 |
| Return on assets (ROA) | 0.7291% | 3,958 |
| Pretax return on assets | 0.9982% | 3,559 |
| Return on Equity (ROE) | 6.6172% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.6172% | 1,997 |
| Net charge-offs to loans | 0.0065% | 2,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 185.2000% | 418 |
| Efficiency ratio | 71.4901% | 1,989 |
| Assets per employee ($millions) | 5.7066% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,110 |
| Loan loss allowance to noncurrent loans | 324.0783% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 3,638 |
| Noncurrent loans to loans | 0.2764% | 3,542 |
| Net loans and leases to total assets | 83.5012% | 411 |
| Net loans and leases to deposits | 106.3950% | 322 |
| Net loans and leases to core deposits | 118.2875% | 593 |
| Total domestic deposits to total assets | 78.4822% | 4,316 |
| Equity capital to assets | 10.9526% | 3,114 |
| Core capital (leverage) ratio | 10.8056% | 2,782 |
| Tier 1 risk-based capital ratio | 13.6770% | 3,494 |
| Total risk-based capital ratio | 14.7730% | 3,469 |
| Memoranda: | ||
| Average total assets | $552,984,670 | 1,307 |
| Average earning assets | $537,782,000 | 1,259 |
| Average equity | $60,931,670 | 1,360 |
| Average total loans | $462,461,670 | 1,145 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 1,797 |
| Cost of funding earning assets | 1.4684% | 364 |
| Net interest margin | 3.3691% | 3,979 |
| Noninterest income to average assets | 0.2058% | 4,513 |
| Noninterest expense to average assets | 2.5794% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6573% | 4,068 |
| Return on assets (ROA) | 0.6469% | 4,140 |
| Pretax return on assets | 0.8836% | 3,820 |
| Return on Equity (ROE) | 5.8524% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.8524% | 2,522 |
| Net charge-offs to loans | -0.0035% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2017% | 1,733 |
| Assets per employee ($millions) | 5.3069% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,028 |
| Loan loss allowance to noncurrent loans | 1,086.9347% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,455 |
| Noncurrent loans to loans | 0.0858% | 4,369 |
| Net loans and leases to total assets | 83.2879% | 436 |
| Net loans and leases to deposits | 109.2938% | 233 |
| Net loans and leases to core deposits | 119.2880% | 547 |
| Total domestic deposits to total assets | 76.2055% | 4,739 |
| Equity capital to assets | 11.0399% | 2,811 |
| Core capital (leverage) ratio | 10.8618% | 2,710 |
| Tier 1 risk-based capital ratio | 13.9312% | 3,376 |
| Total risk-based capital ratio | 15.0739% | 3,352 |
| Memoranda: | ||
| Average total assets | $544,148,000 | 1,327 |
| Average earning assets | $528,208,500 | 1,279 |
| Average equity | $60,146,500 | 1,374 |
| Average total loans | $453,286,000 | 1,167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,882 |
| Cost of funding earning assets | 1.0768% | 538 |
| Net interest margin | 3.6077% | 3,353 |
| Noninterest income to average assets | 0.0953% | 5,165 |
| Noninterest expense to average assets | 2.8071% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5781% | 4,474 |
| Return on assets (ROA) | 0.5781% | 4,481 |
| Pretax return on assets | 0.7878% | 4,202 |
| Return on Equity (ROE) | 5.2374% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2374% | 2,635 |
| Net charge-offs to loans | -0.0179% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0847% | 1,122 |
| Assets per employee ($millions) | 5.4180% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,829 |
| Loan loss allowance to noncurrent loans | 1,031.5036% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,429 |
| Noncurrent loans to loans | 0.0947% | 4,322 |
| Net loans and leases to total assets | 81.7042% | 696 |
| Net loans and leases to deposits | 106.4609% | 351 |
| Net loans and leases to core deposits | 115.4492% | 709 |
| Total domestic deposits to total assets | 76.7457% | 4,671 |
| Equity capital to assets | 11.0672% | 2,623 |
| Core capital (leverage) ratio | 11.0537% | 2,479 |
| Tier 1 risk-based capital ratio | 14.3979% | 3,112 |
| Total risk-based capital ratio | 15.5960% | 3,056 |
| Memoranda: | ||
| Average total assets | $521,675,800 | 1,349 |
| Average earning assets | $506,050,600 | 1,300 |
| Average equity | $57,585,400 | 1,373 |
| Average total loans | $423,923,200 | 1,197 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,119 |
| Cost of funding earning assets | 1.0105% | 570 |
| Net interest margin | 3.5420% | 3,550 |
| Noninterest income to average assets | 0.0937% | 5,232 |
| Noninterest expense to average assets | 2.8844% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4764% | 4,810 |
| Return on assets (ROA) | 0.4764% | 4,811 |
| Pretax return on assets | 0.6476% | 4,642 |
| Return on Equity (ROE) | 4.3190% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.3190% | 3,601 |
| Net charge-offs to loans | -0.0223% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6645% | 801 |
| Assets per employee ($millions) | 5.3829% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,662 |
| Loan loss allowance to noncurrent loans | 800.7421% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,468 |
| Noncurrent loans to loans | 0.1268% | 4,315 |
| Net loans and leases to total assets | 78.9292% | 1,181 |
| Net loans and leases to deposits | 100.7302% | 723 |
| Net loans and leases to core deposits | 108.0300% | 1,167 |
| Total domestic deposits to total assets | 78.3571% | 4,427 |
| Equity capital to assets | 10.8265% | 2,821 |
| Core capital (leverage) ratio | 10.8051% | 2,788 |
| Tier 1 risk-based capital ratio | 14.7285% | 3,004 |
| Total risk-based capital ratio | 15.9780% | 2,927 |
| Memoranda: | ||
| Average total assets | $518,000,000 | 1,364 |
| Average earning assets | $502,824,500 | 1,304 |
| Average equity | $57,141,250 | 1,378 |
| Average total loans | $419,262,500 | 1,210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,378 |
| Cost of funding earning assets | 0.9519% | 577 |
| Net interest margin | 3.4580% | 3,773 |
| Noninterest income to average assets | -0.0624% | 5,515 |
| Noninterest expense to average assets | 2.9604% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2511% | 5,182 |
| Return on assets (ROA) | 0.2511% | 5,178 |
| Pretax return on assets | 0.3306% | 5,130 |
| Return on Equity (ROE) | 2.2614% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.2614% | 4,378 |
| Net charge-offs to loans | -0.0278% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9550% | 371 |
| Assets per employee ($millions) | 5.2796% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,724 |
| Loan loss allowance to noncurrent loans | 545.5006% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,243 |
| Noncurrent loans to loans | 0.1868% | 4,071 |
| Net loans and leases to total assets | 79.1954% | 1,130 |
| Net loans and leases to deposits | 100.9918% | 738 |
| Net loans and leases to core deposits | 106.1863% | 1,230 |
| Total domestic deposits to total assets | 78.4176% | 4,523 |
| Equity capital to assets | 10.7472% | 2,895 |
| Core capital (leverage) ratio | 10.8310% | 2,671 |
| Tier 1 risk-based capital ratio | 14.6729% | 3,030 |
| Total risk-based capital ratio | 15.9404% | 2,949 |
| Memoranda: | ||
| Average total assets | $513,032,000 | 1,378 |
| Average earning assets | $497,507,670 | 1,322 |
| Average equity | $56,956,670 | 1,377 |
| Average total loans | $417,372,330 | 1,215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,572 |
| Cost of funding earning assets | 0.8958% | 605 |
| Net interest margin | 3.3919% | 3,908 |
| Noninterest income to average assets | 0.5926% | 2,303 |
| Noninterest expense to average assets | 2.9954% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6330% | 4,328 |
| Return on assets (ROA) | 0.6330% | 4,339 |
| Pretax return on assets | 0.8806% | 3,907 |
| Return on Equity (ROE) | 5.6077% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,895 |
| Net charge-offs to loans | -0.0193% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2811% | 1,425 |
| Assets per employee ($millions) | 5.0175% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,819 |
| Loan loss allowance to noncurrent loans | 160.0750% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,785 |
| Noncurrent loans to loans | 0.6401% | 2,621 |
| Net loans and leases to total assets | 79.7395% | 972 |
| Net loans and leases to deposits | 102.3663% | 559 |
| Net loans and leases to core deposits | 108.2183% | 1,107 |
| Total domestic deposits to total assets | 77.8962% | 4,740 |
| Equity capital to assets | 11.0350% | 2,545 |
| Core capital (leverage) ratio | 11.2229% | 2,228 |
| Tier 1 risk-based capital ratio | 14.8547% | 2,949 |
| Total risk-based capital ratio | 16.1243% | 2,871 |
| Memoranda: | ||
| Average total assets | $505,568,500 | 1,412 |
| Average earning assets | $489,400,500 | 1,349 |
| Average equity | $57,064,500 | 1,387 |
| Average total loans | $414,847,000 | 1,226 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,325 |
| Cost of funding earning assets | 0.7352% | 868 |
| Net interest margin | 3.5666% | 3,276 |
| Noninterest income to average assets | 0.3079% | 4,254 |
| Noninterest expense to average assets | 2.9332% | 2,335 |
| Loan and lease loss provision to assets | -0.1325% | 5,522 |
| Net operating income to assets | 0.4473% | 4,546 |
| Return on assets (ROA) | 0.4468% | 4,572 |
| Pretax return on assets | 0.9429% | 3,767 |
| Return on Equity (ROE) | 3.9081% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.9081% | 2,861 |
| Net charge-offs to loans | -0.0017% | 4,526 |
| Credit loss provision to net charge-offs | 9,285.7143% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3357% | 1,307 |
| Assets per employee ($millions) | 4.7994% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,761 |
| Loan loss allowance to noncurrent loans | 214.5528% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 1,799 |
| Noncurrent loans to loans | 0.4788% | 3,077 |
| Net loans and leases to total assets | 82.7549% | 592 |
| Net loans and leases to deposits | 107.9137% | 326 |
| Net loans and leases to core deposits | 116.3765% | 707 |
| Total domestic deposits to total assets | 76.6862% | 4,898 |
| Equity capital to assets | 11.5508% | 2,157 |
| Core capital (leverage) ratio | 11.5709% | 1,892 |
| Tier 1 risk-based capital ratio | 15.0933% | 2,804 |
| Total risk-based capital ratio | 16.3888% | 2,711 |
| Memoranda: | ||
| Average total assets | $490,390,400 | 1,430 |
| Average earning assets | $472,498,600 | 1,378 |
| Average equity | $56,063,000 | 1,392 |
| Average total loans | $406,035,800 | 1,217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,306 |
| Cost of funding earning assets | 0.7229% | 872 |
| Net interest margin | 3.5650% | 3,275 |
| Noninterest income to average assets | 0.4294% | 3,482 |
| Noninterest expense to average assets | 2.9262% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5864% | 4,434 |
| Return on assets (ROA) | 0.5857% | 4,474 |
| Pretax return on assets | 0.9334% | 3,923 |
| Return on Equity (ROE) | 5.1369% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.1369% | 2,785 |
| Net charge-offs to loans | -0.0211% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7956% | 1,621 |
| Assets per employee ($millions) | 4.9350% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,998 |
| Loan loss allowance to noncurrent loans | 131.6587% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,181 |
| Noncurrent loans to loans | 0.9028% | 2,126 |
| Net loans and leases to total assets | 84.2731% | 409 |
| Net loans and leases to deposits | 109.8835% | 274 |
| Net loans and leases to core deposits | 118.0545% | 656 |
| Total domestic deposits to total assets | 76.6931% | 4,937 |
| Equity capital to assets | 11.6912% | 2,195 |
| Core capital (leverage) ratio | 11.5039% | 2,013 |
| Tier 1 risk-based capital ratio | 14.6469% | 3,105 |
| Total risk-based capital ratio | 16.0282% | 2,957 |
| Memoranda: | ||
| Average total assets | $489,403,500 | 1,443 |
| Average earning assets | $471,047,500 | 1,391 |
| Average equity | $55,803,750 | 1,409 |
| Average total loans | $404,211,000 | 1,231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 2,623 |
| Cost of funding earning assets | 0.7078% | 861 |
| Net interest margin | 3.4545% | 3,572 |
| Noninterest income to average assets | 0.4190% | 3,572 |
| Noninterest expense to average assets | 2.9533% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5040% | 4,695 |
| Return on assets (ROA) | 0.5032% | 4,734 |
| Pretax return on assets | 0.7874% | 4,323 |
| Return on Equity (ROE) | 4.4504% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.4504% | 3,063 |
| Net charge-offs to loans | -0.0210% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9238% | 1,342 |
| Assets per employee ($millions) | 5.1835% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 3,073 |
| Loan loss allowance to noncurrent loans | 129.4566% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 1,199 |
| Noncurrent loans to loans | 0.9200% | 2,132 |
| Net loans and leases to total assets | 83.0752% | 541 |
| Net loans and leases to deposits | 106.3558% | 387 |
| Net loans and leases to core deposits | 113.4182% | 826 |
| Total domestic deposits to total assets | 78.1106% | 4,796 |
| Equity capital to assets | 11.4043% | 2,405 |
| Core capital (leverage) ratio | 11.3749% | 2,071 |
| Tier 1 risk-based capital ratio | 14.6111% | 3,106 |
| Total risk-based capital ratio | 15.9948% | 2,973 |
| Memoranda: | ||
| Average total assets | $489,683,330 | 1,445 |
| Average earning assets | $471,041,670 | 1,397 |
| Average equity | $55,365,330 | 1,424 |
| Average total loans | $400,054,330 | 1,243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,563 |
| Cost of funding earning assets | 0.6975% | 855 |
| Net interest margin | 3.4287% | 3,532 |
| Noninterest income to average assets | 0.3727% | 3,863 |
| Noninterest expense to average assets | 3.0374% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3850% | 4,990 |
| Return on assets (ROA) | 0.3850% | 5,014 |
| Pretax return on assets | 0.6291% | 4,664 |
| Return on Equity (ROE) | 3.4201% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.4201% | 3,733 |
| Net charge-offs to loans | -0.1058% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8418% | 1,084 |
| Assets per employee ($millions) | 5.1041% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,681 |
| Loan loss allowance to noncurrent loans | 107.1689% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5426% | 1,023 |
| Noncurrent loans to loans | 1.1858% | 1,705 |
| Net loans and leases to total assets | 79.9962% | 828 |
| Net loans and leases to deposits | 100.6602% | 577 |
| Net loans and leases to core deposits | 107.4690% | 999 |
| Total domestic deposits to total assets | 79.4715% | 4,718 |
| Equity capital to assets | 11.3989% | 2,259 |
| Core capital (leverage) ratio | 11.2586% | 2,137 |
| Tier 1 risk-based capital ratio | 15.3518% | 2,814 |
| Total risk-based capital ratio | 16.7453% | 2,686 |
| Memoranda: | ||
| Average total assets | $488,310,000 | 1,453 |
| Average earning assets | $469,105,000 | 1,411 |
| Average equity | $54,969,000 | 1,430 |
| Average total loans | $393,072,500 | 1,265 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,187 |
| Cost of funding earning assets | 0.6506% | 1,053 |
| Net interest margin | 3.6353% | 2,936 |
| Noninterest income to average assets | 0.2157% | 5,124 |
| Noninterest expense to average assets | 2.8598% | 2,816 |
| Loan and lease loss provision to assets | -0.1538% | 5,745 |
| Net operating income to assets | 0.6288% | 4,094 |
| Return on assets (ROA) | 0.6273% | 4,209 |
| Pretax return on assets | 0.9963% | 3,490 |
| Return on Equity (ROE) | 5.5632% | 4,173 |
| Retained earnings to average equity (ytd only) | -3.6179% | 5,619 |
| Net charge-offs to loans | -0.1442% | 5,675 |
| Credit loss provision to net charge-offs | 128.6449% | 2,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1955% | 1,814 |
| Assets per employee ($millions) | 4.9173% | 2,490 |
| Cash dividends to net income (ytd only)* | 165.0327% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,861 |
| Loan loss allowance to noncurrent loans | 116.7383% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4439% | 1,176 |
| Noncurrent loans to loans | 1.0649% | 1,949 |
| Net loans and leases to total assets | 78.9802% | 1,045 |
| Net loans and leases to deposits | 96.3980% | 960 |
| Net loans and leases to core deposits | 103.7679% | 1,299 |
| Total domestic deposits to total assets | 81.9314% | 4,094 |
| Equity capital to assets | 11.1170% | 2,519 |
| Core capital (leverage) ratio | 11.0748% | 2,279 |
| Tier 1 risk-based capital ratio | 15.2244% | 2,876 |
| Total risk-based capital ratio | 16.6174% | 2,740 |
| Memoranda: | ||
| Average total assets | $487,791,000 | 1,412 |
| Average earning assets | $468,159,000 | 1,356 |
| Average equity | $55,004,400 | 1,397 |
| Average total loans | $404,214,600 | 1,191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,254 |
| Cost of funding earning assets | 0.6320% | 1,127 |
| Net interest margin | 3.6402% | 2,925 |
| Noninterest income to average assets | 0.4640% | 3,463 |
| Noninterest expense to average assets | 2.8720% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6913% | 3,902 |
| Return on assets (ROA) | 0.6913% | 4,033 |
| Pretax return on assets | 1.0862% | 3,286 |
| Return on Equity (ROE) | 6.1088% | 4,018 |
| Retained earnings to average equity (ytd only) | -6.1136% | 5,768 |
| Net charge-offs to loans | -0.1366% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5574% | 2,490 |
| Assets per employee ($millions) | 4.9018% | 2,488 |
| Cash dividends to net income (ytd only)* | 200.0793% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,408 |
| Loan loss allowance to noncurrent loans | 61.9538% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6680% | 486 |
| Noncurrent loans to loans | 2.1892% | 858 |
| Net loans and leases to total assets | 82.0268% | 615 |
| Net loans and leases to deposits | 100.5964% | 673 |
| Net loans and leases to core deposits | 109.8279% | 930 |
| Total domestic deposits to total assets | 81.5404% | 4,095 |
| Equity capital to assets | 11.3585% | 2,641 |
| Core capital (leverage) ratio | 11.1632% | 2,302 |
| Tier 1 risk-based capital ratio | 14.7709% | 3,155 |
| Total risk-based capital ratio | 16.1625% | 3,022 |
| Memoranda: | ||
| Average total assets | $486,805,750 | 1,415 |
| Average earning assets | $467,292,750 | 1,358 |
| Average equity | $55,089,000 | 1,401 |
| Average total loans | $406,953,250 | 1,186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,034 |
| Cost of funding earning assets | 0.6231% | 1,175 |
| Net interest margin | 3.7121% | 2,648 |
| Noninterest income to average assets | 0.5060% | 3,152 |
| Noninterest expense to average assets | 2.8618% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7691% | 3,450 |
| Return on assets (ROA) | 0.7691% | 3,597 |
| Pretax return on assets | 1.2066% | 2,759 |
| Return on Equity (ROE) | 6.8048% | 3,644 |
| Retained earnings to average equity (ytd only) | -11.5326% | 5,898 |
| Net charge-offs to loans | -0.1338% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3420% | 2,926 |
| Assets per employee ($millions) | 4.8306% | 2,516 |
| Cash dividends to net income (ytd only)* | 269.4771% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,695 |
| Loan loss allowance to noncurrent loans | 35.2587% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.9802% | 229 |
| Noncurrent loans to loans | 3.7330% | 343 |
| Net loans and leases to total assets | 82.7105% | 546 |
| Net loans and leases to deposits | 98.4414% | 844 |
| Net loans and leases to core deposits | 107.1529% | 1,087 |
| Total domestic deposits to total assets | 84.0200% | 3,259 |
| Equity capital to assets | 11.2942% | 2,744 |
| Core capital (leverage) ratio | 10.8546% | 2,590 |
| Tier 1 risk-based capital ratio | 14.6937% | 3,207 |
| Total risk-based capital ratio | 16.0860% | 3,091 |
| Memoranda: | ||
| Average total assets | $487,315,330 | 1,423 |
| Average earning assets | $467,657,000 | 1,358 |
| Average equity | $55,078,670 | 1,405 |
| Average total loans | $408,094,330 | 1,190 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,249 |
| Cost of funding earning assets | 0.5951% | 1,358 |
| Net interest margin | 3.6718% | 2,793 |
| Noninterest income to average assets | 0.5786% | 2,643 |
| Noninterest expense to average assets | 2.8334% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8295% | 3,099 |
| Return on assets (ROA) | 0.8295% | 3,228 |
| Pretax return on assets | 1.2700% | 2,419 |
| Return on Equity (ROE) | 7.3366% | 3,269 |
| Retained earnings to average equity (ytd only) | -29.1657% | 6,022 |
| Net charge-offs to loans | -0.2050% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0500% | 3,293 |
| Assets per employee ($millions) | 4.9529% | 2,391 |
| Cash dividends to net income (ytd only)* | 497.5369% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,903 |
| Loan loss allowance to noncurrent loans | 24.7730% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 5.2268% | 152 |
| Noncurrent loans to loans | 5.2445% | 179 |
| Net loans and leases to total assets | 82.4203% | 516 |
| Net loans and leases to deposits | 97.6594% | 786 |
| Net loans and leases to core deposits | 106.1835% | 1,067 |
| Total domestic deposits to total assets | 84.3957% | 3,358 |
| Equity capital to assets | 10.9981% | 2,945 |
| Core capital (leverage) ratio | 10.7040% | 2,724 |
| Tier 1 risk-based capital ratio | 14.3311% | 3,480 |
| Total risk-based capital ratio | 15.7219% | 3,345 |
| Memoranda: | ||
| Average total assets | $489,442,500 | 1,415 |
| Average earning assets | $469,856,000 | 1,352 |
| Average equity | $55,339,000 | 1,392 |
| Average total loans | $409,706,000 | 1,180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,003 |
| Cost of funding earning assets | 0.4894% | 2,259 |
| Net interest margin | 3.8792% | 2,098 |
| Noninterest income to average assets | 0.5324% | 3,125 |
| Noninterest expense to average assets | 2.9077% | 2,834 |
| Loan and lease loss provision to assets | 0.4089% | 325 |
| Net operating income to assets | 0.5829% | 4,367 |
| Return on assets (ROA) | 0.6995% | 3,920 |
| Pretax return on assets | 1.1190% | 2,966 |
| Return on Equity (ROE) | 6.0755% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0755% | 1,753 |
| Net charge-offs to loans | 0.4712% | 578 |
| Credit loss provision to net charge-offs | 104.2209% | 2,407 |
| Earnings coverage of net charge-offs (x) | 3.4299% | 3,726 |
| Efficiency ratio | 67.8316% | 3,595 |
| Assets per employee ($millions) | 5.1406% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 3,355 |
| Loan loss allowance to noncurrent loans | 29.6783% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 4.2855% | 235 |
| Noncurrent loans to loans | 4.1141% | 288 |
| Net loans and leases to total assets | 82.8843% | 497 |
| Net loans and leases to deposits | 101.1682% | 596 |
| Net loans and leases to core deposits | 110.4271% | 830 |
| Total domestic deposits to total assets | 81.9273% | 4,184 |
| Equity capital to assets | 11.6099% | 2,273 |
| Core capital (leverage) ratio | 11.6312% | 1,869 |
| Tier 1 risk-based capital ratio | 15.1487% | 3,104 |
| Total risk-based capital ratio | 16.5354% | 2,980 |
| Memoranda: | ||
| Average total assets | $489,078,200 | 1,378 |
| Average earning assets | $469,139,800 | 1,321 |
| Average equity | $56,308,400 | 1,327 |
| Average total loans | $407,285,000 | 1,135 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 1,576 |
| Cost of funding earning assets | 0.4786% | 2,423 |
| Net interest margin | 4.0264% | 1,616 |
| Noninterest income to average assets | 0.5620% | 2,971 |
| Noninterest expense to average assets | 2.9881% | 2,562 |
| Loan and lease loss provision to assets | 0.0546% | 3,102 |
| Net operating income to assets | 0.8531% | 3,159 |
| Return on assets (ROA) | 0.8585% | 3,223 |
| Pretax return on assets | 1.3894% | 2,057 |
| Return on Equity (ROE) | 7.4725% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.4725% | 1,465 |
| Net charge-offs to loans | -0.0457% | 5,516 |
| Credit loss provision to net charge-offs | -143.8849% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8684% | 3,739 |
| Assets per employee ($millions) | 4.8187% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,197 |
| Loan loss allowance to noncurrent loans | 491.5819% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 2,228 |
| Noncurrent loans to loans | 0.2606% | 4,644 |
| Net loans and leases to total assets | 83.2997% | 442 |
| Net loans and leases to deposits | 98.8653% | 741 |
| Net loans and leases to core deposits | 108.3645% | 961 |
| Total domestic deposits to total assets | 84.2558% | 3,321 |
| Equity capital to assets | 11.7402% | 2,317 |
| Core capital (leverage) ratio | 11.3335% | 2,165 |
| Tier 1 risk-based capital ratio | 14.6865% | 3,447 |
| Total risk-based capital ratio | 16.0705% | 3,322 |
| Memoranda: | ||
| Average total assets | $487,972,750 | 1,385 |
| Average earning assets | $468,000,000 | 1,329 |
| Average equity | $56,061,750 | 1,342 |
| Average total loans | $405,583,750 | 1,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,607 |
| Cost of funding earning assets | 0.4706% | 2,512 |
| Net interest margin | 4.0072% | 1,623 |
| Noninterest income to average assets | 0.6738% | 2,329 |
| Noninterest expense to average assets | 3.0325% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9104% | 2,817 |
| Return on assets (ROA) | 0.9104% | 2,947 |
| Pretax return on assets | 1.4795% | 1,706 |
| Return on Equity (ROE) | 7.9835% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.9835% | 1,279 |
| Net charge-offs to loans | -0.1252% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5088% | 3,916 |
| Assets per employee ($millions) | 5.0010% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,418 |
| Loan loss allowance to noncurrent loans | 345.2444% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 2,072 |
| Noncurrent loans to loans | 0.3668% | 4,394 |
| Net loans and leases to total assets | 83.1490% | 456 |
| Net loans and leases to deposits | 99.0554% | 716 |
| Net loans and leases to core deposits | 109.0018% | 895 |
| Total domestic deposits to total assets | 83.9419% | 3,593 |
| Equity capital to assets | 11.5435% | 2,379 |
| Core capital (leverage) ratio | 11.3464% | 2,124 |
| Tier 1 risk-based capital ratio | 15.5238% | 3,093 |
| Total risk-based capital ratio | 16.9186% | 2,968 |
| Memoranda: | ||
| Average total assets | $486,794,670 | 1,397 |
| Average earning assets | $466,258,000 | 1,339 |
| Average equity | $55,514,330 | 1,365 |
| Average total loans | $402,532,330 | 1,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,742 |
| Cost of funding earning assets | 0.4731% | 2,525 |
| Net interest margin | 3.9334% | 1,776 |
| Noninterest income to average assets | 0.4378% | 3,708 |
| Noninterest expense to average assets | 2.9558% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7915% | 3,311 |
| Return on assets (ROA) | 0.7915% | 3,442 |
| Pretax return on assets | 1.2450% | 2,492 |
| Return on Equity (ROE) | 6.9838% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.9838% | 2,019 |
| Net charge-offs to loans | -0.2023% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4995% | 3,576 |
| Assets per employee ($millions) | 5.0523% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 3,454 |
| Loan loss allowance to noncurrent loans | 351.1533% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 1,932 |
| Noncurrent loans to loans | 0.3675% | 4,487 |
| Net loans and leases to total assets | 81.6367% | 498 |
| Net loans and leases to deposits | 95.0360% | 897 |
| Net loans and leases to core deposits | 104.8260% | 1,009 |
| Total domestic deposits to total assets | 85.9008% | 2,995 |
| Equity capital to assets | 11.4564% | 2,508 |
| Core capital (leverage) ratio | 10.9311% | 2,486 |
| Tier 1 risk-based capital ratio | 15.7980% | 3,018 |
| Total risk-based capital ratio | 17.1991% | 2,890 |
| Memoranda: | ||
| Average total assets | $485,141,500 | 1,405 |
| Average earning assets | $464,126,000 | 1,351 |
| Average equity | $54,984,000 | 1,381 |
| Average total loans | $397,428,000 | 1,158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,128 |
| Cost of funding earning assets | 0.4563% | 3,110 |
| Net interest margin | 3.9735% | 1,961 |
| Noninterest income to average assets | 0.6468% | 2,572 |
| Noninterest expense to average assets | 2.8266% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0223% | 2,290 |
| Return on assets (ROA) | 1.0078% | 2,429 |
| Pretax return on assets | 1.6130% | 1,199 |
| Return on Equity (ROE) | 9.3834% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.3834% | 625 |
| Net charge-offs to loans | 0.0493% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 42.7717% | 1,027 |
| Efficiency ratio | 62.5291% | 4,827 |
| Assets per employee ($millions) | 4.9516% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 3,635 |
| Loan loss allowance to noncurrent loans | 315.2725% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 2,020 |
| Noncurrent loans to loans | 0.4008% | 4,441 |
| Net loans and leases to total assets | 80.1113% | 728 |
| Net loans and leases to deposits | 93.0761% | 1,177 |
| Net loans and leases to core deposits | 102.7637% | 1,193 |
| Total domestic deposits to total assets | 86.0708% | 2,799 |
| Equity capital to assets | 11.2109% | 2,683 |
| Core capital (leverage) ratio | 10.9323% | 2,464 |
| Tier 1 risk-based capital ratio | 15.2091% | 3,372 |
| Total risk-based capital ratio | 16.5200% | 3,283 |
| Memoranda: | ||
| Average total assets | $481,150,000 | 1,387 |
| Average earning assets | $462,005,200 | 1,327 |
| Average equity | $51,676,200 | 1,408 |
| Average total loans | $373,436,000 | 1,183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,313 |
| Cost of funding earning assets | 0.4585% | 3,160 |
| Net interest margin | 3.9184% | 2,163 |
| Noninterest income to average assets | 0.7192% | 2,233 |
| Noninterest expense to average assets | 2.8220% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0408% | 2,277 |
| Return on assets (ROA) | 1.0214% | 2,416 |
| Pretax return on assets | 1.6337% | 1,228 |
| Return on Equity (ROE) | 9.6164% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.6164% | 802 |
| Net charge-offs to loans | -0.0051% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0961% | 4,870 |
| Assets per employee ($millions) | 5.0963% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 3,379 |
| Loan loss allowance to noncurrent loans | 150.6845% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7113% | 1,756 |
| Noncurrent loans to loans | 0.8988% | 3,318 |
| Net loans and leases to total assets | 78.6535% | 875 |
| Net loans and leases to deposits | 90.4269% | 1,381 |
| Net loans and leases to core deposits | 100.5360% | 1,322 |
| Total domestic deposits to total assets | 86.9802% | 2,334 |
| Equity capital to assets | 11.0984% | 2,860 |
| Core capital (leverage) ratio | 10.6952% | 2,823 |
| Tier 1 risk-based capital ratio | 15.3423% | 3,402 |
| Total risk-based capital ratio | 16.6560% | 3,303 |
| Memoranda: | ||
| Average total assets | $480,122,250 | 1,401 |
| Average earning assets | $461,537,500 | 1,339 |
| Average equity | $50,994,750 | 1,428 |
| Average total loans | $368,364,000 | 1,203 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,588 |
| Cost of funding earning assets | 0.4575% | 3,236 |
| Net interest margin | 3.8396% | 2,414 |
| Noninterest income to average assets | 0.6598% | 2,484 |
| Noninterest expense to average assets | 2.8213% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9639% | 2,484 |
| Return on assets (ROA) | 0.9349% | 2,731 |
| Pretax return on assets | 1.4852% | 1,580 |
| Return on Equity (ROE) | 8.9356% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.9356% | 1,009 |
| Net charge-offs to loans | -0.0594% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9981% | 4,690 |
| Assets per employee ($millions) | 5.2360% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,275 |
| Loan loss allowance to noncurrent loans | 205.2611% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 2,209 |
| Noncurrent loans to loans | 0.6890% | 3,997 |
| Net loans and leases to total assets | 76.2213% | 1,134 |
| Net loans and leases to deposits | 87.1755% | 1,683 |
| Net loans and leases to core deposits | 96.5469% | 1,558 |
| Total domestic deposits to total assets | 87.4343% | 2,226 |
| Equity capital to assets | 10.7096% | 3,192 |
| Core capital (leverage) ratio | 10.2647% | 3,251 |
| Tier 1 risk-based capital ratio | 15.0467% | 3,612 |
| Total risk-based capital ratio | 16.3617% | 3,521 |
| Memoranda: | ||
| Average total assets | $480,480,000 | 1,394 |
| Average earning assets | $462,031,670 | 1,330 |
| Average equity | $50,270,670 | 1,442 |
| Average total loans | $363,831,330 | 1,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,729 |
| Cost of funding earning assets | 0.4558% | 3,366 |
| Net interest margin | 3.7822% | 2,543 |
| Noninterest income to average assets | 0.5843% | 2,835 |
| Noninterest expense to average assets | 2.7749% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8892% | 2,704 |
| Return on assets (ROA) | 0.8311% | 3,070 |
| Pretax return on assets | 1.3570% | 1,890 |
| Return on Equity (ROE) | 8.0385% | 2,910 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,581 |
| Net charge-offs to loans | -0.1046% | 6,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8441% | 4,720 |
| Assets per employee ($millions) | 4.9893% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,345 |
| Loan loss allowance to noncurrent loans | 182.3325% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5057% | 2,348 |
| Noncurrent loans to loans | 0.7989% | 3,874 |
| Net loans and leases to total assets | 73.4331% | 1,364 |
| Net loans and leases to deposits | 83.6261% | 1,857 |
| Net loans and leases to core deposits | 92.1253% | 1,718 |
| Total domestic deposits to total assets | 87.8113% | 2,333 |
| Equity capital to assets | 10.3560% | 3,392 |
| Core capital (leverage) ratio | 10.0963% | 3,430 |
| Tier 1 risk-based capital ratio | 14.8348% | 3,792 |
| Total risk-based capital ratio | 16.1504% | 3,719 |
| Memoranda: | ||
| Average total assets | $479,866,000 | 1,405 |
| Average earning assets | $461,634,500 | 1,336 |
| Average equity | $49,611,500 | 1,453 |
| Average total loans | $359,531,500 | 1,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 2,346 |
| Cost of funding earning assets | 0.4616% | 4,007 |
| Net interest margin | 4.0026% | 1,939 |
| Noninterest income to average assets | 0.4514% | 4,086 |
| Noninterest expense to average assets | 2.7185% | 4,032 |
| Loan and lease loss provision to assets | 0.0244% | 4,637 |
| Net operating income to assets | 0.9537% | 2,554 |
| Return on assets (ROA) | 0.9565% | 2,606 |
| Pretax return on assets | 1.5723% | 1,242 |
| Return on Equity (ROE) | 9.3641% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.3641% | 690 |
| Net charge-offs to loans | 0.1981% | 2,883 |
| Credit loss provision to net charge-offs | 15.9772% | 4,514 |
| Earnings coverage of net charge-offs (x) | 10.4465% | 2,362 |
| Efficiency ratio | 62.1791% | 5,184 |
| Assets per employee ($millions) | 5.0081% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 3,468 |
| Loan loss allowance to noncurrent loans | 147.8647% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 2,217 |
| Noncurrent loans to loans | 0.9734% | 3,574 |
| Net loans and leases to total assets | 74.2507% | 1,306 |
| Net loans and leases to deposits | 84.5715% | 1,856 |
| Net loans and leases to core deposits | 93.2648% | 1,654 |
| Total domestic deposits to total assets | 87.7964% | 2,310 |
| Equity capital to assets | 10.3210% | 3,379 |
| Core capital (leverage) ratio | 10.3385% | 3,107 |
| Tier 1 risk-based capital ratio | 14.5892% | 3,911 |
| Total risk-based capital ratio | 15.9354% | 3,789 |
| Memoranda: | ||
| Average total assets | $459,892,800 | 1,436 |
| Average earning assets | $443,440,400 | 1,366 |
| Average equity | $46,977,400 | 1,493 |
| Average total loans | $353,942,800 | 1,210 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 2,263 |
| Cost of funding earning assets | 0.4709% | 4,061 |
| Net interest margin | 4.0216% | 1,871 |
| Noninterest income to average assets | 0.3667% | 4,767 |
| Noninterest expense to average assets | 2.5474% | 4,569 |
| Loan and lease loss provision to assets | 0.0330% | 4,359 |
| Net operating income to assets | 0.9890% | 2,418 |
| Return on assets (ROA) | 0.9890% | 2,520 |
| Pretax return on assets | 1.6669% | 1,170 |
| Return on Equity (ROE) | 9.7086% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.7086% | 851 |
| Net charge-offs to loans | 0.0692% | 3,938 |
| Credit loss provision to net charge-offs | 61.7486% | 3,258 |
| Earnings coverage of net charge-offs (x) | 31.7655% | 1,190 |
| Efficiency ratio | 59.0746% | 5,547 |
| Assets per employee ($millions) | 4.9666% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,230 |
| Loan loss allowance to noncurrent loans | 114.1077% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.8464% | 2,207 |
| Noncurrent loans to loans | 1.3581% | 3,149 |
| Net loans and leases to total assets | 77.2627% | 838 |
| Net loans and leases to deposits | 88.3240% | 1,337 |
| Net loans and leases to core deposits | 97.4278% | 1,278 |
| Total domestic deposits to total assets | 87.4765% | 2,431 |
| Equity capital to assets | 10.3018% | 3,508 |
| Core capital (leverage) ratio | 10.4015% | 3,104 |
| Tier 1 risk-based capital ratio | 13.8441% | 4,538 |
| Total risk-based capital ratio | 15.1890% | 4,425 |
| Memoranda: | ||
| Average total assets | $455,923,750 | 1,461 |
| Average earning assets | $439,952,000 | 1,386 |
| Average equity | $46,445,750 | 1,519 |
| Average total loans | $352,823,250 | 1,211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,142 |
| Cost of funding earning assets | 0.4927% | 3,967 |
| Net interest margin | 4.0226% | 1,786 |
| Noninterest income to average assets | 0.3064% | 5,256 |
| Noninterest expense to average assets | 2.4817% | 4,797 |
| Loan and lease loss provision to assets | 0.0500% | 3,985 |
| Net operating income to assets | 0.9861% | 2,386 |
| Return on assets (ROA) | 0.9861% | 2,530 |
| Pretax return on assets | 1.6596% | 1,215 |
| Return on Equity (ROE) | 9.7176% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.7176% | 909 |
| Net charge-offs to loans | 0.0924% | 3,438 |
| Credit loss provision to net charge-offs | 70.1863% | 2,823 |
| Earnings coverage of net charge-offs (x) | 24.0124% | 1,311 |
| Efficiency ratio | 58.2929% | 5,693 |
| Assets per employee ($millions) | 4.5733% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,231 |
| Loan loss allowance to noncurrent loans | 74.4709% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 2,322 |
| Noncurrent loans to loans | 2.1184% | 2,263 |
| Net loans and leases to total assets | 80.9966% | 441 |
| Net loans and leases to deposits | 92.8513% | 892 |
| Net loans and leases to core deposits | 103.4238% | 865 |
| Total domestic deposits to total assets | 87.2326% | 2,695 |
| Equity capital to assets | 10.6810% | 3,081 |
| Core capital (leverage) ratio | 10.1142% | 3,345 |
| Tier 1 risk-based capital ratio | 14.1462% | 4,328 |
| Total risk-based capital ratio | 15.4965% | 4,214 |
| Memoranda: | ||
| Average total assets | $452,278,670 | 1,473 |
| Average earning assets | $436,785,670 | 1,399 |
| Average equity | $45,896,000 | 1,544 |
| Average total loans | $348,302,330 | 1,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,775 |
| Cost of funding earning assets | 0.5077% | 4,002 |
| Net interest margin | 3.8198% | 2,378 |
| Noninterest income to average assets | 0.3077% | 5,225 |
| Noninterest expense to average assets | 2.4833% | 4,812 |
| Loan and lease loss provision to assets | 0.0985% | 3,040 |
| Net operating income to assets | 0.8359% | 2,972 |
| Return on assets (ROA) | 0.8359% | 3,118 |
| Pretax return on assets | 1.4112% | 1,818 |
| Return on Equity (ROE) | 8.4498% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.4498% | 1,583 |
| Net charge-offs to loans | 0.1978% | 2,228 |
| Credit loss provision to net charge-offs | 66.8639% | 2,335 |
| Earnings coverage of net charge-offs (x) | 10.2485% | 1,764 |
| Efficiency ratio | 61.2312% | 5,416 |
| Assets per employee ($millions) | 4.7568% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 3,187 |
| Loan loss allowance to noncurrent loans | 69.5588% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.9078% | 2,469 |
| Noncurrent loans to loans | 2.3754% | 2,187 |
| Net loans and leases to total assets | 74.1925% | 1,046 |
| Net loans and leases to deposits | 84.4880% | 1,535 |
| Net loans and leases to core deposits | 94.8430% | 1,279 |
| Total domestic deposits to total assets | 87.8143% | 2,448 |
| Equity capital to assets | 10.0414% | 4,098 |
| Core capital (leverage) ratio | 9.6263% | 3,874 |
| Tier 1 risk-based capital ratio | 14.6210% | 4,089 |
| Total risk-based capital ratio | 15.9789% | 3,986 |
| Memoranda: | ||
| Average total assets | $458,901,500 | 1,464 |
| Average earning assets | $442,750,000 | 1,392 |
| Average equity | $45,397,500 | 1,578 |
| Average total loans | $341,802,500 | 1,241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 1,962 |
| Cost of funding earning assets | 0.6085% | 4,262 |
| Net interest margin | 4.2575% | 1,504 |
| Noninterest income to average assets | 0.4273% | 4,402 |
| Noninterest expense to average assets | 2.7331% | 4,278 |
| Loan and lease loss provision to assets | 0.4484% | 1,411 |
| Net operating income to assets | 0.7968% | 3,302 |
| Return on assets (ROA) | 0.7968% | 3,548 |
| Pretax return on assets | 1.3305% | 2,289 |
| Return on Equity (ROE) | 8.2205% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.2205% | 1,059 |
| Net charge-offs to loans | 0.1854% | 3,900 |
| Credit loss provision to net charge-offs | 326.2643% | 746 |
| Earnings coverage of net charge-offs (x) | 12.9429% | 1,882 |
| Efficiency ratio | 58.8402% | 5,715 |
| Assets per employee ($millions) | 4.8542% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,952 |
| Loan loss allowance to noncurrent loans | 89.5467% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 2,854 |
| Noncurrent loans to loans | 1.8929% | 2,815 |
| Net loans and leases to total assets | 72.2894% | 1,445 |
| Net loans and leases to deposits | 81.3392% | 2,101 |
| Net loans and leases to core deposits | 88.6644% | 2,011 |
| Total domestic deposits to total assets | 88.8740% | 1,656 |
| Equity capital to assets | 9.7454% | 4,538 |
| Core capital (leverage) ratio | 9.2664% | 4,479 |
| Tier 1 risk-based capital ratio | 14.3887% | 4,102 |
| Total risk-based capital ratio | 15.7809% | 3,966 |
| Memoranda: | ||
| Average total assets | $446,011,800 | 1,479 |
| Average earning assets | $427,908,600 | 1,414 |
| Average equity | $43,233,600 | 1,612 |
| Average total loans | $330,693,800 | 1,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 1,853 |
| Cost of funding earning assets | 0.6181% | 4,470 |
| Net interest margin | 4.3252% | 1,406 |
| Noninterest income to average assets | 0.3316% | 5,152 |
| Noninterest expense to average assets | 2.6939% | 4,391 |
| Loan and lease loss provision to assets | 0.2216% | 2,847 |
| Net operating income to assets | 0.9235% | 2,861 |
| Return on assets (ROA) | 0.9235% | 3,087 |
| Pretax return on assets | 1.5639% | 1,689 |
| Return on Equity (ROE) | 9.5403% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.5403% | 1,048 |
| Net charge-offs to loans | 0.1100% | 4,290 |
| Credit loss provision to net charge-offs | 271.2177% | 1,003 |
| Earnings coverage of net charge-offs (x) | 21.8527% | 1,377 |
| Efficiency ratio | 58.0736% | 5,782 |
| Assets per employee ($millions) | 4.6668% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,262 |
| Loan loss allowance to noncurrent loans | 146.3896% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.5168% | 3,308 |
| Noncurrent loans to loans | 0.9735% | 4,493 |
| Net loans and leases to total assets | 73.7280% | 1,287 |
| Net loans and leases to deposits | 82.9744% | 2,002 |
| Net loans and leases to core deposits | 88.7630% | 2,129 |
| Total domestic deposits to total assets | 88.8562% | 1,511 |
| Equity capital to assets | 9.8190% | 4,752 |
| Core capital (leverage) ratio | 9.2138% | 4,736 |
| Tier 1 risk-based capital ratio | 14.3916% | 4,266 |
| Total risk-based capital ratio | 15.7826% | 4,134 |
| Memoranda: | ||
| Average total assets | $442,226,750 | 1,504 |
| Average earning assets | $424,081,750 | 1,438 |
| Average equity | $42,806,750 | 1,642 |
| Average total loans | $328,589,250 | 1,295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 1,831 |
| Cost of funding earning assets | 0.6148% | 4,766 |
| Net interest margin | 4.3676% | 1,287 |
| Noninterest income to average assets | 0.3364% | 5,137 |
| Noninterest expense to average assets | 2.7611% | 4,174 |
| Loan and lease loss provision to assets | 0.2895% | 2,266 |
| Net operating income to assets | 0.8725% | 3,034 |
| Return on assets (ROA) | 0.8725% | 3,291 |
| Pretax return on assets | 1.4760% | 1,937 |
| Return on Equity (ROE) | 9.0583% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.0583% | 1,256 |
| Net charge-offs to loans | 0.1254% | 3,927 |
| Credit loss provision to net charge-offs | 311.2745% | 947 |
| Earnings coverage of net charge-offs (x) | 18.9853% | 1,457 |
| Efficiency ratio | 58.3384% | 5,827 |
| Assets per employee ($millions) | 4.8973% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 4,490 |
| Loan loss allowance to noncurrent loans | 93.6303% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8395% | 2,982 |
| Noncurrent loans to loans | 1.4897% | 3,672 |
| Net loans and leases to total assets | 74.3818% | 1,196 |
| Net loans and leases to deposits | 83.4047% | 1,931 |
| Net loans and leases to core deposits | 88.5874% | 2,140 |
| Total domestic deposits to total assets | 89.1818% | 1,402 |
| Equity capital to assets | 9.4946% | 5,071 |
| Core capital (leverage) ratio | 9.1164% | 4,737 |
| Tier 1 risk-based capital ratio | 13.8570% | 4,549 |
| Total risk-based capital ratio | 15.2462% | 4,412 |
| Memoranda: | ||
| Average total assets | $438,744,000 | 1,516 |
| Average earning assets | $420,921,670 | 1,453 |
| Average equity | $42,259,670 | 1,651 |
| Average total loans | $325,261,330 | 1,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 1,655 |
| Cost of funding earning assets | 0.6131% | 5,026 |
| Net interest margin | 4.4605% | 1,089 |
| Noninterest income to average assets | 0.3281% | 5,241 |
| Noninterest expense to average assets | 2.8941% | 3,646 |
| Loan and lease loss provision to assets | 0.2184% | 2,754 |
| Net operating income to assets | 0.8801% | 3,018 |
| Return on assets (ROA) | 0.8801% | 3,240 |
| Pretax return on assets | 1.4954% | 1,881 |
| Return on Equity (ROE) | 9.0691% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.0691% | 1,565 |
| Net charge-offs to loans | -0.0329% | 6,383 |
| Credit loss provision to net charge-offs | -903.8462% | 5,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7822% | 5,647 |
| Assets per employee ($millions) | 4.7811% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,532 |
| Loan loss allowance to noncurrent loans | 62.2240% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0994% | 2,778 |
| Noncurrent loans to loans | 2.2768% | 2,827 |
| Net loans and leases to total assets | 73.9251% | 1,079 |
| Net loans and leases to deposits | 83.2476% | 1,765 |
| Net loans and leases to core deposits | 88.0178% | 2,051 |
| Total domestic deposits to total assets | 88.8015% | 1,817 |
| Equity capital to assets | 9.7035% | 4,515 |
| Core capital (leverage) ratio | 9.4096% | 4,187 |
| Tier 1 risk-based capital ratio | 14.0767% | 4,413 |
| Total risk-based capital ratio | 15.4720% | 4,271 |
| Memoranda: | ||
| Average total assets | $430,393,000 | 1,549 |
| Average earning assets | $412,956,000 | 1,477 |
| Average equity | $41,768,000 | 1,660 |
| Average total loans | $316,111,500 | 1,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 865 |
| Cost of funding earning assets | 0.7016% | 5,530 |
| Net interest margin | 4.9489% | 460 |
| Noninterest income to average assets | 0.4403% | 4,301 |
| Noninterest expense to average assets | 3.1614% | 2,993 |
| Loan and lease loss provision to assets | 0.9712% | 987 |
| Net operating income to assets | 0.5970% | 4,012 |
| Return on assets (ROA) | 0.5975% | 4,196 |
| Pretax return on assets | 1.0175% | 3,175 |
| Return on Equity (ROE) | 6.3199% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.3199% | 1,843 |
| Net charge-offs to loans | 0.8972% | 1,938 |
| Credit loss provision to net charge-offs | 146.3041% | 1,958 |
| Earnings coverage of net charge-offs (x) | 2.9946% | 3,708 |
| Efficiency ratio | 53.6882% | 6,544 |
| Assets per employee ($millions) | 4.4811% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 4,325 |
| Loan loss allowance to noncurrent loans | 53.3553% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 2,695 |
| Noncurrent loans to loans | 2.6836% | 2,422 |
| Net loans and leases to total assets | 70.8439% | 1,859 |
| Net loans and leases to deposits | 79.7194% | 2,574 |
| Net loans and leases to core deposits | 84.6273% | 2,795 |
| Total domestic deposits to total assets | 88.8665% | 1,622 |
| Equity capital to assets | 9.7057% | 4,584 |
| Core capital (leverage) ratio | 9.4488% | 4,111 |
| Tier 1 risk-based capital ratio | 14.4300% | 4,022 |
| Total risk-based capital ratio | 15.8676% | 3,868 |
| Memoranda: | ||
| Average total assets | $393,336,000 | 1,647 |
| Average earning assets | $374,266,200 | 1,588 |
| Average equity | $37,184,400 | 1,810 |
| Average total loans | $291,002,400 | 1,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7567% | 765 |
| Cost of funding earning assets | 0.7266% | 5,616 |
| Net interest margin | 5.0301% | 390 |
| Noninterest income to average assets | 0.4544% | 4,263 |
| Noninterest expense to average assets | 3.0636% | 3,304 |
| Loan and lease loss provision to assets | 1.2702% | 595 |
| Net operating income to assets | 0.5126% | 4,491 |
| Return on assets (ROA) | 0.5133% | 4,676 |
| Pretax return on assets | 0.8967% | 3,774 |
| Return on Equity (ROE) | 5.4695% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4695% | 2,875 |
| Net charge-offs to loans | 1.2063% | 1,297 |
| Credit loss provision to net charge-offs | 141.2082% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.4078% | 3,919 |
| Efficiency ratio | 50.3309% | 6,811 |
| Assets per employee ($millions) | 4.3746% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,409 |
| Loan loss allowance to noncurrent loans | 52.1702% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.3731% | 2,705 |
| Noncurrent loans to loans | 2.7458% | 2,547 |
| Net loans and leases to total assets | 73.3407% | 1,447 |
| Net loans and leases to deposits | 82.9304% | 2,186 |
| Net loans and leases to core deposits | 88.4515% | 2,431 |
| Total domestic deposits to total assets | 88.4364% | 1,793 |
| Equity capital to assets | 10.1581% | 4,145 |
| Core capital (leverage) ratio | 10.0600% | 3,359 |
| Tier 1 risk-based capital ratio | 14.2693% | 4,149 |
| Total risk-based capital ratio | 15.7072% | 3,976 |
| Memoranda: | ||
| Average total assets | $385,243,000 | 1,692 |
| Average earning assets | $365,708,000 | 1,623 |
| Average equity | $36,151,000 | 1,871 |
| Average total loans | $287,260,750 | 1,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6420% | 985 |
| Cost of funding earning assets | 0.7583% | 5,633 |
| Net interest margin | 4.8837% | 507 |
| Noninterest income to average assets | 0.5224% | 3,684 |
| Noninterest expense to average assets | 3.1074% | 3,224 |
| Loan and lease loss provision to assets | 1.5219% | 466 |
| Net operating income to assets | 0.2988% | 5,378 |
| Return on assets (ROA) | 0.2998% | 5,513 |
| Pretax return on assets | 0.5134% | 5,016 |
| Return on Equity (ROE) | 3.2890% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.2890% | 4,167 |
| Net charge-offs to loans | 1.7827% | 792 |
| Credit loss provision to net charge-offs | 114.4041% | 2,677 |
| Earnings coverage of net charge-offs (x) | 1.5288% | 4,148 |
| Efficiency ratio | 50.8118% | 6,885 |
| Assets per employee ($millions) | 4.1232% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 5,383 |
| Loan loss allowance to noncurrent loans | 37.1456% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 3.0511% | 2,201 |
| Noncurrent loans to loans | 3.3272% | 2,147 |
| Net loans and leases to total assets | 74.5120% | 1,325 |
| Net loans and leases to deposits | 83.8786% | 2,126 |
| Net loans and leases to core deposits | 89.7444% | 2,409 |
| Total domestic deposits to total assets | 88.8331% | 1,647 |
| Equity capital to assets | 9.1998% | 5,281 |
| Core capital (leverage) ratio | 8.7647% | 5,100 |
| Tier 1 risk-based capital ratio | 12.3689% | 5,456 |
| Total risk-based capital ratio | 13.8048% | 5,270 |
| Memoranda: | ||
| Average total assets | $380,962,000 | 1,719 |
| Average earning assets | $360,298,330 | 1,659 |
| Average equity | $34,722,000 | 1,920 |
| Average total loans | $284,280,330 | 1,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 1,124 |
| Cost of funding earning assets | 0.7777% | 5,690 |
| Net interest margin | 4.7919% | 579 |
| Noninterest income to average assets | 0.6506% | 2,841 |
| Noninterest expense to average assets | 3.5854% | 1,801 |
| Loan and lease loss provision to assets | 0.2357% | 3,303 |
| Net operating income to assets | 0.7869% | 3,094 |
| Return on assets (ROA) | 0.7889% | 3,158 |
| Pretax return on assets | 1.3516% | 1,878 |
| Return on Equity (ROE) | 8.6967% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.6967% | 1,492 |
| Net charge-offs to loans | 0.1158% | 3,840 |
| Credit loss provision to net charge-offs | 274.3902% | 1,151 |
| Earnings coverage of net charge-offs (x) | 18.4390% | 1,180 |
| Efficiency ratio | 57.0126% | 6,380 |
| Assets per employee ($millions) | 4.0647% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,709 |
| Loan loss allowance to noncurrent loans | 44.0415% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 3.2152% | 2,137 |
| Noncurrent loans to loans | 2.6838% | 2,808 |
| Net loans and leases to total assets | 73.3155% | 1,454 |
| Net loans and leases to deposits | 83.0517% | 2,182 |
| Net loans and leases to core deposits | 89.1834% | 2,459 |
| Total domestic deposits to total assets | 88.2769% | 2,206 |
| Equity capital to assets | 9.2581% | 4,802 |
| Core capital (leverage) ratio | 8.6165% | 5,240 |
| Tier 1 risk-based capital ratio | 12.3352% | 5,413 |
| Total risk-based capital ratio | 13.7578% | 5,238 |
| Memoranda: | ||
| Average total assets | $381,775,500 | 1,720 |
| Average earning assets | $360,025,500 | 1,668 |
| Average equity | $34,634,000 | 1,914 |
| Average total loans | $283,327,000 | 1,546 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 1,561 |
| Cost of funding earning assets | 1.0209% | 5,585 |
| Net interest margin | 4.6825% | 848 |
| Noninterest income to average assets | 3.0176% | 230 |
| Noninterest expense to average assets | 3.6735% | 1,766 |
| Loan and lease loss provision to assets | 0.6291% | 2,613 |
| Net operating income to assets | 1.8932% | 347 |
| Return on assets (ROA) | 1.9378% | 329 |
| Pretax return on assets | 3.2618% | 97 |
| Return on Equity (ROE) | 20.8592% | 207 |
| Retained earnings to average equity (ytd only) | 20.8592% | 49 |
| Net charge-offs to loans | 0.5055% | 3,597 |
| Credit loss provision to net charge-offs | 157.8825% | 2,228 |
| Earnings coverage of net charge-offs (x) | 9.5904% | 1,803 |
| Efficiency ratio | 47.9211% | 7,269 |
| Assets per employee ($millions) | 4.3319% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,925 |
| Loan loss allowance to noncurrent loans | 40.3306% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 3.1553% | 2,237 |
| Noncurrent loans to loans | 2.7481% | 2,768 |
| Net loans and leases to total assets | 73.4104% | 1,789 |
| Net loans and leases to deposits | 82.7728% | 2,666 |
| Net loans and leases to core deposits | 89.2716% | 2,864 |
| Total domestic deposits to total assets | 88.6891% | 1,830 |
| Equity capital to assets | 8.8891% | 5,302 |
| Core capital (leverage) ratio | 8.0355% | 6,144 |
| Tier 1 risk-based capital ratio | 11.7784% | 5,670 |
| Total risk-based capital ratio | 13.1112% | 5,594 |
| Memoranda: | ||
| Average total assets | $324,756,600 | 2,000 |
| Average earning assets | $310,518,000 | 1,913 |
| Average equity | $30,169,000 | 2,163 |
| Average total loans | $255,976,600 | 1,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 1,740 |
| Cost of funding earning assets | 1.0584% | 5,659 |
| Net interest margin | 4.6349% | 969 |
| Noninterest income to average assets | 0.4660% | 4,441 |
| Noninterest expense to average assets | 2.8091% | 4,448 |
| Loan and lease loss provision to assets | 0.5621% | 2,696 |
| Net operating income to assets | 0.8960% | 2,625 |
| Return on assets (ROA) | 0.9583% | 2,507 |
| Pretax return on assets | 1.6436% | 1,229 |
| Return on Equity (ROE) | 10.1793% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.1793% | 757 |
| Net charge-offs to loans | 0.5780% | 3,010 |
| Credit loss provision to net charge-offs | 121.1699% | 3,396 |
| Earnings coverage of net charge-offs (x) | 4.5450% | 3,008 |
| Efficiency ratio | 55.5225% | 6,620 |
| Assets per employee ($millions) | 4.2428% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,201 |
| Loan loss allowance to noncurrent loans | 41.2414% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 3.0481% | 2,377 |
| Noncurrent loans to loans | 2.5286% | 3,091 |
| Net loans and leases to total assets | 80.1226% | 731 |
| Net loans and leases to deposits | 89.3197% | 1,820 |
| Net loans and leases to core deposits | 101.7493% | 1,680 |
| Total domestic deposits to total assets | 89.7031% | 1,017 |
| Equity capital to assets | 9.6704% | 4,582 |
| Core capital (leverage) ratio | 9.1752% | 4,410 |
| Tier 1 risk-based capital ratio | 12.0360% | 5,427 |
| Total risk-based capital ratio | 13.3564% | 5,326 |
| Memoranda: | ||
| Average total assets | $309,561,250 | 2,135 |
| Average earning assets | $297,302,750 | 2,023 |
| Average equity | $29,143,500 | 2,263 |
| Average total loans | $248,421,500 | 1,792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 1,820 |
| Cost of funding earning assets | 1.0888% | 5,741 |
| Net interest margin | 4.5961% | 1,011 |
| Noninterest income to average assets | 0.4297% | 4,680 |
| Noninterest expense to average assets | 2.8044% | 4,462 |
| Loan and lease loss provision to assets | 0.5356% | 2,642 |
| Net operating income to assets | 0.8766% | 2,637 |
| Return on assets (ROA) | 0.9705% | 2,378 |
| Pretax return on assets | 1.6541% | 1,159 |
| Return on Equity (ROE) | 10.4046% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.4046% | 765 |
| Net charge-offs to loans | 0.5850% | 2,776 |
| Credit loss provision to net charge-offs | 114.4244% | 3,558 |
| Earnings coverage of net charge-offs (x) | 4.3648% | 2,974 |
| Efficiency ratio | 56.2207% | 6,613 |
| Assets per employee ($millions) | 4.0545% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 6,337 |
| Loan loss allowance to noncurrent loans | 46.9528% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.5090% | 2,876 |
| Noncurrent loans to loans | 2.1604% | 3,519 |
| Net loans and leases to total assets | 78.9867% | 957 |
| Net loans and leases to deposits | 90.5679% | 1,760 |
| Net loans and leases to core deposits | 106.0255% | 1,443 |
| Total domestic deposits to total assets | 87.2127% | 2,427 |
| Equity capital to assets | 9.4752% | 4,741 |
| Core capital (leverage) ratio | 8.9337% | 4,704 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,519 |
| Total risk-based capital ratio | 13.0494% | 5,461 |
| Memoranda: | ||
| Average total assets | $308,092,000 | 2,155 |
| Average earning assets | $296,117,670 | 2,051 |
| Average equity | $28,737,330 | 2,282 |
| Average total loans | $246,491,670 | 1,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 2,041 |
| Cost of funding earning assets | 1.1351% | 5,731 |
| Net interest margin | 4.4929% | 1,166 |
| Noninterest income to average assets | 0.3908% | 4,994 |
| Noninterest expense to average assets | 2.8401% | 4,318 |
| Loan and lease loss provision to assets | 0.4836% | 2,564 |
| Net operating income to assets | 0.8391% | 2,797 |
| Return on assets (ROA) | 0.8391% | 2,897 |
| Pretax return on assets | 1.3920% | 1,798 |
| Return on Equity (ROE) | 9.0692% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0692% | 1,382 |
| Net charge-offs to loans | 0.4829% | 2,613 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.8480% | 2,529 |
| Efficiency ratio | 58.5366% | 6,405 |
| Assets per employee ($millions) | 4.1328% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,425 |
| Loan loss allowance to noncurrent loans | 51.3786% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 3,842 |
| Noncurrent loans to loans | 1.9606% | 3,844 |
| Net loans and leases to total assets | 79.1665% | 952 |
| Net loans and leases to deposits | 88.5036% | 2,134 |
| Net loans and leases to core deposits | 100.3817% | 2,088 |
| Total domestic deposits to total assets | 89.4500% | 1,267 |
| Equity capital to assets | 9.2515% | 4,914 |
| Core capital (leverage) ratio | 8.8569% | 4,785 |
| Tier 1 risk-based capital ratio | 11.4753% | 5,698 |
| Total risk-based capital ratio | 12.7459% | 5,661 |
| Memoranda: | ||
| Average total assets | $306,041,500 | 2,218 |
| Average earning assets | $294,601,000 | 2,119 |
| Average equity | $28,315,500 | 2,347 |
| Average total loans | $245,178,500 | 1,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 2,402 |
| Cost of funding earning assets | 1.5760% | 5,150 |
| Net interest margin | 4.2851% | 1,763 |
| Noninterest income to average assets | 0.4986% | 4,425 |
| Noninterest expense to average assets | 3.0028% | 4,131 |
| Loan and lease loss provision to assets | 0.6349% | 3,263 |
| Net operating income to assets | 0.6551% | 3,116 |
| Return on assets (ROA) | 0.7645% | 2,753 |
| Pretax return on assets | 1.1591% | 2,067 |
| Return on Equity (ROE) | 8.0464% | 2,351 |
| Retained earnings to average equity (ytd only) | 8.0464% | 687 |
| Net charge-offs to loans | 0.6202% | 3,354 |
| Credit loss provision to net charge-offs | 124.1667% | 4,231 |
| Earnings coverage of net charge-offs (x) | 3.1840% | 3,463 |
| Efficiency ratio | 62.9706% | 5,975 |
| Assets per employee ($millions) | 4.0827% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,391 |
| Loan loss allowance to noncurrent loans | 64.8381% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 4,263 |
| Noncurrent loans to loans | 1.5412% | 4,343 |
| Net loans and leases to total assets | 79.4553% | 1,100 |
| Net loans and leases to deposits | 89.4618% | 2,310 |
| Net loans and leases to core deposits | 162.9298% | 309 |
| Total domestic deposits to total assets | 88.8147% | 1,564 |
| Equity capital to assets | 9.2529% | 4,765 |
| Core capital (leverage) ratio | 8.9628% | 4,485 |
| Tier 1 risk-based capital ratio | 11.3983% | 5,515 |
| Total risk-based capital ratio | 12.6608% | 5,460 |
| Memoranda: | ||
| Average total assets | $281,607,800 | 2,334 |
| Average earning assets | $271,569,800 | 2,227 |
| Average equity | $26,757,400 | 2,469 |
| Average total loans | $232,176,600 | 2,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8779% | 2,544 |
| Cost of funding earning assets | 1.6900% | 4,952 |
| Net interest margin | 4.1880% | 2,104 |
| Noninterest income to average assets | 0.5054% | 4,440 |
| Noninterest expense to average assets | 2.9894% | 4,091 |
| Loan and lease loss provision to assets | 0.5715% | 3,097 |
| Net operating income to assets | 0.6386% | 3,456 |
| Return on assets (ROA) | 0.7320% | 3,156 |
| Pretax return on assets | 1.1299% | 2,476 |
| Return on Equity (ROE) | 7.6497% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.6497% | 1,249 |
| Net charge-offs to loans | 0.5325% | 3,088 |
| Credit loss provision to net charge-offs | 129.2257% | 3,881 |
| Earnings coverage of net charge-offs (x) | 3.5223% | 3,497 |
| Efficiency ratio | 63.8032% | 5,795 |
| Assets per employee ($millions) | 4.0141% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,510 |
| Loan loss allowance to noncurrent loans | 42.4918% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 3,576 |
| Noncurrent loans to loans | 2.2502% | 3,322 |
| Net loans and leases to total assets | 81.7060% | 862 |
| Net loans and leases to deposits | 101.6527% | 953 |
| Net loans and leases to core deposits | 175.7697% | 216 |
| Total domestic deposits to total assets | 80.3775% | 5,300 |
| Equity capital to assets | 9.2566% | 5,083 |
| Core capital (leverage) ratio | 9.0010% | 4,647 |
| Tier 1 risk-based capital ratio | 11.1301% | 5,831 |
| Total risk-based capital ratio | 12.3605% | 5,797 |
| Memoranda: | ||
| Average total assets | $276,479,500 | 2,389 |
| Average earning assets | $266,821,500 | 2,276 |
| Average equity | $26,458,000 | 2,508 |
| Average total loans | $229,602,250 | 2,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 2,947 |
| Cost of funding earning assets | 1.8489% | 4,520 |
| Net interest margin | 3.9736% | 2,819 |
| Noninterest income to average assets | 0.5304% | 4,183 |
| Noninterest expense to average assets | 3.0576% | 3,858 |
| Loan and lease loss provision to assets | 0.7306% | 2,243 |
| Net operating income to assets | 0.3890% | 4,558 |
| Return on assets (ROA) | 0.5393% | 4,047 |
| Pretax return on assets | 0.7907% | 3,699 |
| Return on Equity (ROE) | 5.5683% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.5683% | 2,215 |
| Net charge-offs to loans | 0.8189% | 2,051 |
| Credit loss provision to net charge-offs | 107.1817% | 4,302 |
| Earnings coverage of net charge-offs (x) | 1.9075% | 4,152 |
| Efficiency ratio | 68.0851% | 5,144 |
| Assets per employee ($millions) | 3.6874% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,553 |
| Loan loss allowance to noncurrent loans | 59.5384% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 4,372 |
| Noncurrent loans to loans | 1.5961% | 4,104 |
| Net loans and leases to total assets | 79.6306% | 1,373 |
| Net loans and leases to deposits | 94.5897% | 2,008 |
| Net loans and leases to core deposits | 168.2545% | 343 |
| Total domestic deposits to total assets | 84.1853% | 3,655 |
| Equity capital to assets | 9.4391% | 4,690 |
| Core capital (leverage) ratio | 9.1582% | 4,366 |
| Tier 1 risk-based capital ratio | 11.4529% | 5,440 |
| Total risk-based capital ratio | 12.6682% | 5,388 |
| Memoranda: | ||
| Average total assets | $269,625,330 | 2,444 |
| Average earning assets | $259,715,670 | 2,353 |
| Average equity | $26,112,000 | 2,550 |
| Average total loans | $224,455,000 | 2,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8468% | 3,047 |
| Cost of funding earning assets | 2.0371% | 3,943 |
| Net interest margin | 3.8096% | 3,406 |
| Noninterest income to average assets | 0.5614% | 3,822 |
| Noninterest expense to average assets | 3.0433% | 3,581 |
| Loan and lease loss provision to assets | 1.1123% | 1,177 |
| Net operating income to assets | 0.0524% | 6,120 |
| Return on assets (ROA) | 0.4131% | 4,986 |
| Pretax return on assets | 0.5160% | 5,032 |
| Return on Equity (ROE) | 4.2094% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.2094% | 3,568 |
| Net charge-offs to loans | 1.1516% | 1,192 |
| Credit loss provision to net charge-offs | 113.9535% | 3,410 |
| Earnings coverage of net charge-offs (x) | 1.2062% | 4,146 |
| Efficiency ratio | 69.9175% | 4,593 |
| Assets per employee ($millions) | 3.5097% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,373 |
| Loan loss allowance to noncurrent loans | 38.9950% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 2.6893% | 2,116 |
| Noncurrent loans to loans | 2.4852% | 2,646 |
| Net loans and leases to total assets | 84.0492% | 682 |
| Net loans and leases to deposits | 95.5681% | 2,018 |
| Net loans and leases to core deposits | 171.6398% | 317 |
| Total domestic deposits to total assets | 87.9470% | 1,769 |
| Equity capital to assets | 9.8675% | 4,159 |
| Core capital (leverage) ratio | 9.5122% | 3,964 |
| Tier 1 risk-based capital ratio | 11.3137% | 5,583 |
| Total risk-based capital ratio | 12.5495% | 5,513 |
| Memoranda: | ||
| Average total assets | $264,318,500 | 2,512 |
| Average earning assets | $253,884,500 | 2,414 |
| Average equity | $25,942,000 | 2,575 |
| Average total loans | $224,034,000 | 2,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9383% | 1,288 |
| Cost of funding earning assets | 2.5343% | 4,027 |
| Net interest margin | 4.4040% | 1,675 |
| Noninterest income to average assets | 0.5094% | 4,546 |
| Noninterest expense to average assets | 3.0581% | 3,866 |
| Loan and lease loss provision to assets | 0.3335% | 3,720 |
| Net operating income to assets | 0.8342% | 3,287 |
| Return on assets (ROA) | 0.8342% | 3,132 |
| Pretax return on assets | 1.3218% | 2,236 |
| Return on Equity (ROE) | 8.5041% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.5041% | 701 |
| Net charge-offs to loans | 0.2519% | 3,759 |
| Credit loss provision to net charge-offs | 156.1338% | 3,336 |
| Earnings coverage of net charge-offs (x) | 7.7491% | 3,030 |
| Efficiency ratio | 62.8254% | 5,811 |
| Assets per employee ($millions) | 3.4922% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 6,539 |
| Loan loss allowance to noncurrent loans | 33.6196% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 2.5304% | 1,914 |
| Noncurrent loans to loans | 2.7473% | 1,973 |
| Net loans and leases to total assets | 83.8656% | 903 |
| Net loans and leases to deposits | 108.2864% | 952 |
| Net loans and leases to core deposits | 169.4138% | 413 |
| Total domestic deposits to total assets | 77.4479% | 5,889 |
| Equity capital to assets | 9.7623% | 4,344 |
| Core capital (leverage) ratio | 9.5089% | 4,005 |
| Tier 1 risk-based capital ratio | 11.3440% | 5,395 |
| Total risk-based capital ratio | 12.5566% | 5,331 |
| Memoranda: | ||
| Average total assets | $251,853,000 | 2,547 |
| Average earning assets | $240,418,600 | 2,453 |
| Average equity | $24,705,800 | 2,670 |
| Average total loans | $213,585,200 | 2,178 |