Home > Gorham Savings Bank > Performance and Condition Ratios
Gorham Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 3,047 |
| Cost of funding earning assets | 2.0430% | 864 |
| Net interest margin | 2.4831% | 4,107 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4457% | 2,455 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.3455% | 3,962 |
| Return on assets (ROA) | 0.3222% | 3,995 |
| Pretax return on assets | 0.3633% | 4,015 |
| Return on Equity (ROE) | 4.8600% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.7855% | 2,679 |
| Net charge-offs to loans | 0.0961% | 933 |
| Credit loss provision to net charge-offs | -26.1336% | 4,441 |
| Earnings coverage of net charge-offs (x) | 4.7502% | 2,566 |
| Efficiency ratio | 87.0292% | 515 |
| Assets per employee ($millions) | 8.4270% | 1,211 |
| Cash dividends to net income (ytd only)* | 1.5891% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 4,017 |
| Loan loss allowance to noncurrent loans | 131.8484% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 1,230 |
| Noncurrent loans to loans | 0.5876% | 1,341 |
| Net loans and leases to total assets | 76.1100% | 1,102 |
| Net loans and leases to deposits | 94.9974% | 865 |
| Net loans and leases to core deposits | 105.5260% | 1,138 |
| Total domestic deposits to total assets | 80.1200% | 3,442 |
| Equity capital to assets | 6.9252% | 3,965 |
| Core capital (leverage) ratio | 9.2010% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,640,370,400 | 665 |
| Average earning assets | $1,524,541,200 | 658 |
| Average equity | $108,702,800 | 894 |
| Average total loans | $1,262,371,600 | 603 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 2,954 |
| Cost of funding earning assets | 1.9693% | 744 |
| Net interest margin | 2.5073% | 4,136 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.4210% | 2,461 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2870% | 4,124 |
| Return on assets (ROA) | 0.2570% | 4,175 |
| Pretax return on assets | 0.2977% | 4,169 |
| Return on Equity (ROE) | 3.9200% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.8183% | 3,307 |
| Net charge-offs to loans | 0.1185% | 678 |
| Credit loss provision to net charge-offs | -40.2504% | 4,495 |
| Earnings coverage of net charge-offs (x) | 3.9875% | 2,419 |
| Efficiency ratio | 86.5019% | 492 |
| Assets per employee ($millions) | 8.2672% | 1,225 |
| Cash dividends to net income (ytd only)* | 2.6684% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,028 |
| Loan loss allowance to noncurrent loans | 142.8964% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 1,373 |
| Noncurrent loans to loans | 0.5414% | 1,473 |
| Net loans and leases to total assets | 77.4000% | 954 |
| Net loans and leases to deposits | 91.9530% | 1,053 |
| Net loans and leases to core deposits | 103.4179% | 1,146 |
| Total domestic deposits to total assets | 84.1700% | 2,725 |
| Equity capital to assets | 6.2410% | 3,910 |
| Core capital (leverage) ratio | 9.0351% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,633,326,250 | 673 |
| Average earning assets | $1,517,959,500 | 663 |
| Average equity | $106,990,750 | 899 |
| Average total loans | $1,257,997,750 | 601 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,937 |
| Cost of funding earning assets | 1.8965% | 613 |
| Net interest margin | 2.4824% | 4,226 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.2460% | 2,959 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.1861% | 4,295 |
| Return on assets (ROA) | 0.1861% | 4,316 |
| Pretax return on assets | 0.2204% | 4,299 |
| Return on Equity (ROE) | 2.8000% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.6427% | 3,565 |
| Net charge-offs to loans | 0.1774% | 444 |
| Credit loss provision to net charge-offs | 192.4324% | 1,070 |
| Earnings coverage of net charge-offs (x) | 3.5450% | 2,258 |
| Efficiency ratio | 81.8676% | 716 |
| Assets per employee ($millions) | 8.4903% | 1,098 |
| Cash dividends to net income (ytd only)* | 5.5300% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 3,809 |
| Loan loss allowance to noncurrent loans | 168.5616% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,303 |
| Noncurrent loans to loans | 0.5291% | 1,410 |
| Net loans and leases to total assets | 76.6100% | 987 |
| Net loans and leases to deposits | 92.8190% | 967 |
| Net loans and leases to core deposits | 106.0700% | 985 |
| Total domestic deposits to total assets | 82.5400% | 3,134 |
| Equity capital to assets | 6.6522% | 3,925 |
| Core capital (leverage) ratio | 8.9271% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,632,131,667 | 664 |
| Average earning assets | $1,518,062,333 | 651 |
| Average equity | $108,601,333 | 882 |
| Average total loans | $1,251,741,667 | 593 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,900 |
| Cost of funding earning assets | 1.7078% | 565 |
| Net interest margin | 2.5525% | 4,255 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.3818% | 2,578 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.1112% | 4,424 |
| Return on assets (ROA) | 0.1112% | 4,397 |
| Pretax return on assets | 0.1390% | 4,386 |
| Return on Equity (ROE) | 1.6700% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.3616% | 3,811 |
| Net charge-offs to loans | 0.3572% | 223 |
| Credit loss provision to net charge-offs | 72.3672% | 1,238 |
| Earnings coverage of net charge-offs (x) | 1.2331% | 1,979 |
| Efficiency ratio | 87.1623% | 461 |
| Assets per employee ($millions) | 8.2489% | 1,227 |
| Cash dividends to net income (ytd only)* | 18.5430% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,104 |
| Loan loss allowance to noncurrent loans | 153.7260% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,335 |
| Noncurrent loans to loans | 0.5132% | 1,443 |
| Net loans and leases to total assets | 75.0100% | 1,079 |
| Net loans and leases to deposits | 87.5593% | 1,246 |
| Net loans and leases to core deposits | 102.3209% | 991 |
| Total domestic deposits to total assets | 85.6700% | 2,686 |
| Equity capital to assets | 6.6848% | 3,971 |
| Core capital (leverage) ratio | 8.9176% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,628,880,000 | 673 |
| Average earning assets | $1,516,798,000 | 665 |
| Average equity | $108,399,500 | 893 |
| Average total loans | $1,244,286,000 | 604 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 2,708 |
| Cost of funding earning assets | 0.5948% | 920 |
| Net interest margin | 3.0347% | 3,341 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.7610% | 1,415 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.3990% | 4,243 |
| Return on assets (ROA) | 0.3990% | 4,204 |
| Pretax return on assets | 0.4430% | 4,236 |
| Return on Equity (ROE) | 5.3500% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.2649% | 2,944 |
| Net charge-offs to loans | 0.0206% | 1,676 |
| Credit loss provision to net charge-offs | 362.3967% | 815 |
| Earnings coverage of net charge-offs (x) | 32.1983% | 1,650 |
| Efficiency ratio | 84.2871% | 479 |
| Assets per employee ($millions) | 7.9211% | 1,365 |
| Cash dividends to net income (ytd only)* | 1.6217% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 3,996 |
| Loan loss allowance to noncurrent loans | 165.1799% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 1,341 |
| Noncurrent loans to loans | 0.4949% | 1,464 |
| Net loans and leases to total assets | 76.5600% | 953 |
| Net loans and leases to deposits | 91.2056% | 965 |
| Net loans and leases to core deposits | 97.7195% | 1,115 |
| Total domestic deposits to total assets | 83.9400% | 3,222 |
| Equity capital to assets | 6.6241% | 3,855 |
| Core capital (leverage) ratio | 9.0982% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,560,863,200 | 683 |
| Average earning assets | $1,459,747,400 | 672 |
| Average equity | $116,374,400 | 837 |
| Average total loans | $1,172,455,600 | 593 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 2,650 |
| Cost of funding earning assets | 0.3811% | 1,432 |
| Net interest margin | 3.1080% | 2,910 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.8862% | 1,082 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3680% | 4,293 |
| Return on assets (ROA) | 0.3680% | 4,241 |
| Pretax return on assets | 0.3936% | 4,270 |
| Return on Equity (ROE) | 4.8000% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.6841% | 3,202 |
| Net charge-offs to loans | 0.0226% | 1,379 |
| Credit loss provision to net charge-offs | 182.1429% | 1,030 |
| Earnings coverage of net charge-offs (x) | 25.1531% | 1,610 |
| Efficiency ratio | 86.7847% | 429 |
| Assets per employee ($millions) | 7.7231% | 1,467 |
| Cash dividends to net income (ytd only)* | 2.3620% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 4,052 |
| Loan loss allowance to noncurrent loans | 152.3307% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 1,324 |
| Noncurrent loans to loans | 0.5374% | 1,463 |
| Net loans and leases to total assets | 75.5000% | 961 |
| Net loans and leases to deposits | 85.0631% | 1,229 |
| Net loans and leases to core deposits | 91.7805% | 1,195 |
| Total domestic deposits to total assets | 88.7600% | 2,181 |
| Equity capital to assets | 6.5982% | 3,694 |
| Core capital (leverage) ratio | 9.2711% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,549,083,000 | 690 |
| Average earning assets | $1,449,889,000 | 682 |
| Average equity | $118,839,500 | 840 |
| Average total loans | $1,155,268,250 | 595 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 2,547 |
| Cost of funding earning assets | 0.2239% | 2,598 |
| Net interest margin | 3.1361% | 2,418 |
| Noninterest income to average assets | 0.3995% | 2,761 |
| Noninterest expense to average assets | 3.1061% | 725 |
| Loan and lease loss provision to assets | 0.0416% | 1,828 |
| Net operating income to assets | 0.2056% | 4,412 |
| Return on assets (ROA) | 0.2056% | 4,372 |
| Pretax return on assets | 0.1921% | 4,421 |
| Return on Equity (ROE) | 2.5597% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.3972% | 3,647 |
| Net charge-offs to loans | 0.0174% | 1,392 |
| Credit loss provision to net charge-offs | 322.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 18.0900% | 1,592 |
| Efficiency ratio | 92.6074% | 330 |
| Assets per employee ($millions) | 7.8974% | 1,360 |
| Cash dividends to net income (ytd only)* | 6.3482% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 4,123 |
| Loan loss allowance to noncurrent loans | 127.7093% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 1,164 |
| Noncurrent loans to loans | 0.6512% | 1,313 |
| Net loans and leases to total assets | 74.6055% | 853 |
| Net loans and leases to deposits | 84.0204% | 1,116 |
| Net loans and leases to core deposits | 92.8162% | 983 |
| Total domestic deposits to total assets | 88.7944% | 2,261 |
| Equity capital to assets | 7.2648% | 3,617 |
| Core capital (leverage) ratio | 9.1214% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,547,993,667 | 680 |
| Average earning assets | $1,451,356,333 | 676 |
| Average equity | $124,310,333 | 804 |
| Average total loans | $1,146,465,667 | 590 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 2,395 |
| Cost of funding earning assets | 0.1448% | 3,570 |
| Net interest margin | 3.1526% | 2,016 |
| Noninterest income to average assets | 0.4414% | 2,437 |
| Noninterest expense to average assets | 3.9065% | 299 |
| Loan and lease loss provision to assets | -0.0580% | 4,528 |
| Net operating income to assets | -0.3062% | 4,666 |
| Return on assets (ROA) | -0.3062% | 4,652 |
| Pretax return on assets | -0.4406% | 4,674 |
| Return on Equity (ROE) | -3.6382% | 4,676 |
| Retained earnings to average equity (ytd only) | -3.9491% | 4,370 |
| Net charge-offs to loans | 0.0166% | 1,203 |
| Credit loss provision to net charge-offs | -476.5957% | 3,125 |
| Earnings coverage of net charge-offs (x) | -40.9574% | 1,824 |
| Efficiency ratio | 114.6332% | 103 |
| Assets per employee ($millions) | 7.9383% | 1,406 |
| Cash dividends to net income (ytd only)* | -8.5448% | 4,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 4,219 |
| Loan loss allowance to noncurrent loans | 118.9777% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,195 |
| Noncurrent loans to loans | 0.6839% | 1,389 |
| Net loans and leases to total assets | 72.7667% | 766 |
| Net loans and leases to deposits | 82.7706% | 958 |
| Net loans and leases to core deposits | 90.7545% | 890 |
| Total domestic deposits to total assets | 87.9138% | 2,565 |
| Equity capital to assets | 7.9318% | 3,621 |
| Core capital (leverage) ratio | 9.1693% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,544,095,000 | 683 |
| Average earning assets | $1,452,875,500 | 678 |
| Average equity | $129,953,000 | 792 |
| Average total loans | $1,134,479,000 | 589 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 2,693 |
| Cost of funding earning assets | 0.1423% | 4,041 |
| Net interest margin | 3.3455% | 2,187 |
| Noninterest income to average assets | 0.3382% | 3,391 |
| Noninterest expense to average assets | 2.5097% | 2,152 |
| Loan and lease loss provision to assets | 0.1181% | 1,064 |
| Net operating income to assets | 0.7511% | 3,487 |
| Return on assets (ROA) | 0.7541% | 3,540 |
| Pretax return on assets | 0.8640% | 3,587 |
| Return on Equity (ROE) | 8.3261% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.2432% | 1,444 |
| Net charge-offs to loans | 0.3330% | 256 |
| Credit loss provision to net charge-offs | 47.2548% | 2,151 |
| Earnings coverage of net charge-offs (x) | 3.9170% | 2,517 |
| Efficiency ratio | 71.9478% | 1,518 |
| Assets per employee ($millions) | 7.7398% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.9954% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 4,200 |
| Loan loss allowance to noncurrent loans | 116.9988% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,268 |
| Noncurrent loans to loans | 0.7174% | 1,417 |
| Net loans and leases to total assets | 72.9635% | 756 |
| Net loans and leases to deposits | 82.7007% | 1,001 |
| Net loans and leases to core deposits | 93.1800% | 817 |
| Total domestic deposits to total assets | 88.2259% | 1,924 |
| Equity capital to assets | 8.9029% | 3,717 |
| Core capital (leverage) ratio | 9.3926% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,465,451,400 | 696 |
| Average earning assets | $1,379,844,600 | 687 |
| Average equity | $132,727,200 | 784 |
| Average total loans | $1,099,329,800 | 603 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 2,749 |
| Cost of funding earning assets | 0.1442% | 4,163 |
| Net interest margin | 3.3858% | 2,194 |
| Noninterest income to average assets | 0.3332% | 3,440 |
| Noninterest expense to average assets | 2.5007% | 2,118 |
| Loan and lease loss provision to assets | 0.1643% | 667 |
| Net operating income to assets | 0.7448% | 3,666 |
| Return on assets (ROA) | 0.7433% | 3,730 |
| Pretax return on assets | 0.8505% | 3,796 |
| Return on Equity (ROE) | 8.1693% | 3,355 |
| Retained earnings to average equity (ytd only) | 8.0579% | 2,037 |
| Net charge-offs to loans | 0.3188% | 241 |
| Credit loss provision to net charge-offs | 68.3666% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.2297% | 2,277 |
| Efficiency ratio | 71.0973% | 1,483 |
| Assets per employee ($millions) | 7.8907% | 1,317 |
| Cash dividends to net income (ytd only)* | 1.3639% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,949 |
| Loan loss allowance to noncurrent loans | 107.3393% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 1,147 |
| Noncurrent loans to loans | 0.9017% | 1,277 |
| Net loans and leases to total assets | 72.0869% | 867 |
| Net loans and leases to deposits | 81.5171% | 1,153 |
| Net loans and leases to core deposits | 90.2071% | 1,020 |
| Total domestic deposits to total assets | 88.4316% | 1,609 |
| Equity capital to assets | 8.9885% | 3,843 |
| Core capital (leverage) ratio | 9.3766% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,446,758,500 | 712 |
| Average earning assets | $1,360,560,000 | 697 |
| Average equity | $131,627,750 | 802 |
| Average total loans | $1,090,834,250 | 619 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 2,796 |
| Cost of funding earning assets | 0.1473% | 4,226 |
| Net interest margin | 3.3938% | 2,155 |
| Noninterest income to average assets | 0.3297% | 3,453 |
| Noninterest expense to average assets | 2.5583% | 1,968 |
| Loan and lease loss provision to assets | 0.2037% | 545 |
| Net operating income to assets | 0.6687% | 3,833 |
| Return on assets (ROA) | 0.6687% | 3,897 |
| Pretax return on assets | 0.7629% | 3,940 |
| Return on Equity (ROE) | 7.3189% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.1501% | 2,371 |
| Net charge-offs to loans | 0.4704% | 178 |
| Credit loss provision to net charge-offs | 56.7357% | 1,577 |
| Earnings coverage of net charge-offs (x) | 2.6923% | 2,110 |
| Efficiency ratio | 72.5780% | 1,372 |
| Assets per employee ($millions) | 7.8141% | 1,299 |
| Cash dividends to net income (ytd only)* | 2.3061% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,022 |
| Loan loss allowance to noncurrent loans | 99.2414% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 1,158 |
| Noncurrent loans to loans | 0.9484% | 1,303 |
| Net loans and leases to total assets | 74.0440% | 746 |
| Net loans and leases to deposits | 83.3814% | 1,103 |
| Net loans and leases to core deposits | 92.4239% | 981 |
| Total domestic deposits to total assets | 88.8016% | 1,387 |
| Equity capital to assets | 9.1675% | 3,636 |
| Core capital (leverage) ratio | 9.4443% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,426,634,000 | 717 |
| Average earning assets | $1,343,146,667 | 701 |
| Average equity | $130,347,667 | 806 |
| Average total loans | $1,088,758,333 | 620 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 2,441 |
| Cost of funding earning assets | 0.1545% | 4,276 |
| Net interest margin | 3.5147% | 1,787 |
| Noninterest income to average assets | 0.2735% | 3,764 |
| Noninterest expense to average assets | 2.6614% | 1,712 |
| Loan and lease loss provision to assets | 0.2960% | 318 |
| Net operating income to assets | 0.5544% | 4,060 |
| Return on assets (ROA) | 0.5544% | 4,101 |
| Pretax return on assets | 0.6256% | 4,156 |
| Return on Equity (ROE) | 6.0787% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.7355% | 2,991 |
| Net charge-offs to loans | 0.1734% | 455 |
| Credit loss provision to net charge-offs | 221.2766% | 860 |
| Earnings coverage of net charge-offs (x) | 6.8894% | 1,633 |
| Efficiency ratio | 74.2791% | 1,286 |
| Assets per employee ($millions) | 7.4290% | 1,496 |
| Cash dividends to net income (ytd only)* | 5.6468% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,480 |
| Loan loss allowance to noncurrent loans | 93.5883% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 958 |
| Noncurrent loans to loans | 1.1660% | 1,138 |
| Net loans and leases to total assets | 76.3371% | 602 |
| Net loans and leases to deposits | 86.2039% | 952 |
| Net loans and leases to core deposits | 99.0279% | 759 |
| Total domestic deposits to total assets | 88.5541% | 1,584 |
| Equity capital to assets | 9.0897% | 3,606 |
| Core capital (leverage) ratio | 9.5011% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,405,429,000 | 721 |
| Average earning assets | $1,323,348,000 | 707 |
| Average equity | $128,184,500 | 810 |
| Average total loans | $1,084,100,500 | 620 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 3,349 |
| Cost of funding earning assets | 0.4100% | 3,520 |
| Net interest margin | 3.3735% | 2,857 |
| Noninterest income to average assets | 0.3840% | 3,182 |
| Noninterest expense to average assets | 2.6179% | 2,491 |
| Loan and lease loss provision to assets | 0.2383% | 1,632 |
| Net operating income to assets | 0.5887% | 3,792 |
| Return on assets (ROA) | 0.6103% | 3,835 |
| Pretax return on assets | 0.7146% | 3,852 |
| Return on Equity (ROE) | 6.6297% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.5346% | 1,578 |
| Net charge-offs to loans | 0.0162% | 2,776 |
| Credit loss provision to net charge-offs | 1,882.8402% | 462 |
| Earnings coverage of net charge-offs (x) | 73.2840% | 945 |
| Efficiency ratio | 73.8393% | 1,472 |
| Assets per employee ($millions) | 7.1736% | 1,463 |
| Cash dividends to net income (ytd only)* | 1.4358% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,589 |
| Loan loss allowance to noncurrent loans | 80.7893% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 924 |
| Noncurrent loans to loans | 1.3270% | 1,022 |
| Net loans and leases to total assets | 76.2662% | 755 |
| Net loans and leases to deposits | 86.7681% | 1,193 |
| Net loans and leases to core deposits | 99.3467% | 933 |
| Total domestic deposits to total assets | 87.8965% | 1,527 |
| Equity capital to assets | 9.1526% | 3,933 |
| Core capital (leverage) ratio | 9.3821% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,335,309,000 | 687 |
| Average earning assets | $1,251,357,200 | 676 |
| Average equity | $122,915,800 | 803 |
| Average total loans | $1,042,191,200 | 611 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 3,780 |
| Cost of funding earning assets | 0.4555% | 3,497 |
| Net interest margin | 3.2549% | 3,322 |
| Noninterest income to average assets | 0.3275% | 3,524 |
| Noninterest expense to average assets | 2.5912% | 2,557 |
| Loan and lease loss provision to assets | 0.2461% | 1,647 |
| Net operating income to assets | 0.4631% | 4,134 |
| Return on assets (ROA) | 0.4803% | 4,160 |
| Pretax return on assets | 0.5581% | 4,178 |
| Return on Equity (ROE) | 5.2101% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.0822% | 2,525 |
| Net charge-offs to loans | 0.0019% | 3,135 |
| Credit loss provision to net charge-offs | 16,280.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 518.7333% | 222 |
| Efficiency ratio | 76.7683% | 1,134 |
| Assets per employee ($millions) | 7.0203% | 1,489 |
| Cash dividends to net income (ytd only)* | 2.4549% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 3,765 |
| Loan loss allowance to noncurrent loans | 104.8175% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 1,568 |
| Noncurrent loans to loans | 0.9392% | 1,601 |
| Net loans and leases to total assets | 78.1624% | 813 |
| Net loans and leases to deposits | 90.5816% | 1,216 |
| Net loans and leases to core deposits | 104.1318% | 915 |
| Total domestic deposits to total assets | 86.2895% | 1,943 |
| Equity capital to assets | 8.8636% | 4,208 |
| Core capital (leverage) ratio | 9.2059% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,323,012,250 | 675 |
| Average earning assets | $1,238,857,500 | 665 |
| Average equity | $121,965,500 | 801 |
| Average total loans | $1,035,902,750 | 609 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 3,803 |
| Cost of funding earning assets | 0.5421% | 3,281 |
| Net interest margin | 3.2797% | 3,436 |
| Noninterest income to average assets | 0.3173% | 3,564 |
| Noninterest expense to average assets | 2.5437% | 2,847 |
| Loan and lease loss provision to assets | 0.2261% | 1,851 |
| Net operating income to assets | 0.5265% | 3,940 |
| Return on assets (ROA) | 0.5526% | 3,959 |
| Pretax return on assets | 0.6482% | 3,972 |
| Return on Equity (ROE) | 5.9121% | 3,544 |
| Retained earnings to average equity (ytd only) | 5.7192% | 2,186 |
| Net charge-offs to loans | 0.0037% | 2,844 |
| Credit loss provision to net charge-offs | 7,726.3158% | 148 |
| Earnings coverage of net charge-offs (x) | 288.2632% | 327 |
| Efficiency ratio | 75.0932% | 1,361 |
| Assets per employee ($millions) | 7.2624% | 1,292 |
| Cash dividends to net income (ytd only)* | 3.2618% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 3,926 |
| Loan loss allowance to noncurrent loans | 96.7486% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 1,677 |
| Noncurrent loans to loans | 0.9484% | 1,632 |
| Net loans and leases to total assets | 76.9045% | 1,006 |
| Net loans and leases to deposits | 89.2897% | 1,416 |
| Net loans and leases to core deposits | 104.8884% | 954 |
| Total domestic deposits to total assets | 86.1292% | 1,952 |
| Equity capital to assets | 8.8806% | 4,186 |
| Core capital (leverage) ratio | 9.4195% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,298,337,000 | 670 |
| Average earning assets | $1,215,348,333 | 657 |
| Average equity | $121,344,667 | 797 |
| Average total loans | $1,013,598,333 | 617 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,559 |
| Cost of funding earning assets | 0.7539% | 2,648 |
| Net interest margin | 3.3342% | 3,503 |
| Noninterest income to average assets | 0.2105% | 4,289 |
| Noninterest expense to average assets | 2.4304% | 3,476 |
| Loan and lease loss provision to assets | 0.3126% | 990 |
| Net operating income to assets | 0.5158% | 3,857 |
| Return on assets (ROA) | 0.5723% | 3,744 |
| Pretax return on assets | 0.6447% | 3,827 |
| Return on Equity (ROE) | 5.9589% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.5703% | 2,043 |
| Net charge-offs to loans | 0.0037% | 2,454 |
| Credit loss provision to net charge-offs | 10,888.8889% | 72 |
| Earnings coverage of net charge-offs (x) | 311.3333% | 227 |
| Efficiency ratio | 73.1120% | 1,928 |
| Assets per employee ($millions) | 6.3511% | 1,433 |
| Cash dividends to net income (ytd only)* | 6.5217% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,919 |
| Loan loss allowance to noncurrent loans | 88.6552% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 1,542 |
| Noncurrent loans to loans | 1.0739% | 1,550 |
| Net loans and leases to total assets | 78.1674% | 952 |
| Net loans and leases to deposits | 95.1352% | 986 |
| Net loans and leases to core deposits | 118.3723% | 519 |
| Total domestic deposits to total assets | 82.1646% | 3,367 |
| Equity capital to assets | 9.6516% | 4,079 |
| Core capital (leverage) ratio | 10.0680% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,253,948,000 | 661 |
| Average earning assets | $1,171,013,500 | 649 |
| Average equity | $120,425,000 | 796 |
| Average total loans | $982,081,000 | 609 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,217 |
| Cost of funding earning assets | 1.0183% | 1,647 |
| Net interest margin | 3.3921% | 3,776 |
| Noninterest income to average assets | 0.3911% | 3,355 |
| Noninterest expense to average assets | 2.7606% | 2,720 |
| Loan and lease loss provision to assets | 0.0261% | 3,491 |
| Net operating income to assets | 0.6584% | 3,992 |
| Return on assets (ROA) | 0.6541% | 4,077 |
| Pretax return on assets | 0.7648% | 4,052 |
| Return on Equity (ROE) | 6.9346% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.8435% | 1,459 |
| Net charge-offs to loans | 0.0046% | 3,508 |
| Credit loss provision to net charge-offs | 708.8889% | 449 |
| Earnings coverage of net charge-offs (x) | 215.9333% | 374 |
| Efficiency ratio | 77.6204% | 1,191 |
| Assets per employee ($millions) | 6.5798% | 1,240 |
| Cash dividends to net income (ytd only)* | 1.3148% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,113 |
| Loan loss allowance to noncurrent loans | 81.2922% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 1,529 |
| Noncurrent loans to loans | 1.0617% | 1,423 |
| Net loans and leases to total assets | 77.0513% | 1,251 |
| Net loans and leases to deposits | 93.9926% | 1,152 |
| Net loans and leases to core deposits | 118.4456% | 524 |
| Total domestic deposits to total assets | 81.9760% | 3,515 |
| Equity capital to assets | 9.5560% | 4,307 |
| Core capital (leverage) ratio | 10.1289% | 3,376 |
| Tier 1 risk-based capital ratio | 12.1414% | 4,276 |
| Total risk-based capital ratio | 13.1222% | 4,306 |
| Memoranda: | ||
| Average total assets | $1,220,832,000 | 650 |
| Average earning assets | $1,139,244,000 | 635 |
| Average equity | $115,161,200 | 789 |
| Average total loans | $970,752,600 | 592 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 3,148 |
| Cost of funding earning assets | 1.0763% | 1,443 |
| Net interest margin | 3.3946% | 3,874 |
| Noninterest income to average assets | 0.4032% | 3,296 |
| Noninterest expense to average assets | 2.7556% | 2,697 |
| Loan and lease loss provision to assets | 0.0270% | 3,360 |
| Net operating income to assets | 0.6765% | 4,086 |
| Return on assets (ROA) | 0.6697% | 4,168 |
| Pretax return on assets | 0.7791% | 4,177 |
| Return on Equity (ROE) | 7.1236% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.0007% | 1,864 |
| Net charge-offs to loans | 0.0023% | 3,356 |
| Credit loss provision to net charge-offs | 1,441.1765% | 259 |
| Earnings coverage of net charge-offs (x) | 435.1015% | 227 |
| Efficiency ratio | 77.1976% | 1,195 |
| Assets per employee ($millions) | 6.4720% | 1,286 |
| Cash dividends to net income (ytd only)* | 1.7250% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,153 |
| Loan loss allowance to noncurrent loans | 171.7681% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 2,794 |
| Noncurrent loans to loans | 0.5079% | 2,773 |
| Net loans and leases to total assets | 77.8869% | 1,161 |
| Net loans and leases to deposits | 93.0730% | 1,314 |
| Net loans and leases to core deposits | 113.0015% | 795 |
| Total domestic deposits to total assets | 83.6836% | 2,938 |
| Equity capital to assets | 9.7253% | 4,267 |
| Core capital (leverage) ratio | 10.0602% | 3,578 |
| Tier 1 risk-based capital ratio | 12.3161% | 4,252 |
| Total risk-based capital ratio | 13.3143% | 4,281 |
| Memoranda: | ||
| Average total assets | $1,211,856,250 | 656 |
| Average earning assets | $1,130,348,000 | 638 |
| Average equity | $113,928,250 | 797 |
| Average total loans | $969,250,500 | 593 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 3,137 |
| Cost of funding earning assets | 1.1127% | 1,250 |
| Net interest margin | 3.3499% | 4,031 |
| Noninterest income to average assets | 0.4142% | 3,175 |
| Noninterest expense to average assets | 2.7609% | 2,717 |
| Loan and lease loss provision to assets | 0.0427% | 2,967 |
| Net operating income to assets | 0.6455% | 4,180 |
| Return on assets (ROA) | 0.6385% | 4,247 |
| Pretax return on assets | 0.7341% | 4,251 |
| Return on Equity (ROE) | 6.8721% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.6850% | 1,961 |
| Net charge-offs to loans | 0.0029% | 3,066 |
| Credit loss provision to net charge-offs | 1,842.8571% | 207 |
| Earnings coverage of net charge-offs (x) | 338.5714% | 228 |
| Efficiency ratio | 77.8680% | 1,168 |
| Assets per employee ($millions) | 6.1458% | 1,440 |
| Cash dividends to net income (ytd only)* | 2.7223% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,243 |
| Loan loss allowance to noncurrent loans | 169.5600% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,771 |
| Noncurrent loans to loans | 0.5060% | 2,761 |
| Net loans and leases to total assets | 79.7698% | 919 |
| Net loans and leases to deposits | 98.0249% | 838 |
| Net loans and leases to core deposits | 121.6513% | 500 |
| Total domestic deposits to total assets | 81.3770% | 3,702 |
| Equity capital to assets | 9.5095% | 4,392 |
| Core capital (leverage) ratio | 9.8898% | 3,714 |
| Tier 1 risk-based capital ratio | 12.0987% | 4,361 |
| Total risk-based capital ratio | 13.0876% | 4,391 |
| Memoranda: | ||
| Average total assets | $1,208,072,330 | 657 |
| Average earning assets | $1,129,286,000 | 641 |
| Average equity | $112,250,670 | 805 |
| Average total loans | $971,966,330 | 590 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 3,056 |
| Cost of funding earning assets | 1.1113% | 1,151 |
| Net interest margin | 3.3354% | 4,075 |
| Noninterest income to average assets | 0.3017% | 3,865 |
| Noninterest expense to average assets | 2.6672% | 3,009 |
| Loan and lease loss provision to assets | 0.0714% | 2,235 |
| Net operating income to assets | 0.6138% | 4,195 |
| Return on assets (ROA) | 0.6138% | 4,236 |
| Pretax return on assets | 0.6799% | 4,350 |
| Return on Equity (ROE) | 6.6849% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.3049% | 2,317 |
| Net charge-offs to loans | 0.0041% | 2,569 |
| Credit loss provision to net charge-offs | 2,150.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 226.1000% | 346 |
| Efficiency ratio | 78.0208% | 1,262 |
| Assets per employee ($millions) | 6.3877% | 1,297 |
| Cash dividends to net income (ytd only)* | 5.6849% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 4,327 |
| Loan loss allowance to noncurrent loans | 160.6649% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,770 |
| Noncurrent loans to loans | 0.5321% | 2,716 |
| Net loans and leases to total assets | 79.8918% | 848 |
| Net loans and leases to deposits | 96.6101% | 917 |
| Net loans and leases to core deposits | 122.8501% | 453 |
| Total domestic deposits to total assets | 82.6951% | 3,506 |
| Equity capital to assets | 9.2325% | 4,498 |
| Core capital (leverage) ratio | 9.7639% | 3,855 |
| Tier 1 risk-based capital ratio | 11.9095% | 4,511 |
| Total risk-based capital ratio | 12.8899% | 4,543 |
| Memoranda: | ||
| Average total assets | $1,203,675,500 | 662 |
| Average earning assets | $1,124,769,000 | 649 |
| Average equity | $110,517,000 | 811 |
| Average total loans | $968,404,000 | 598 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 3,117 |
| Cost of funding earning assets | 0.8455% | 1,330 |
| Net interest margin | 3.4526% | 3,850 |
| Noninterest income to average assets | 0.4284% | 3,255 |
| Noninterest expense to average assets | 2.9020% | 2,347 |
| Loan and lease loss provision to assets | 0.0658% | 2,836 |
| Net operating income to assets | 0.6029% | 4,412 |
| Return on assets (ROA) | 0.5886% | 4,454 |
| Pretax return on assets | 0.6591% | 4,518 |
| Return on Equity (ROE) | 6.3888% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.2843% | 2,045 |
| Net charge-offs to loans | 0.0119% | 3,283 |
| Credit loss provision to net charge-offs | 689.9083% | 502 |
| Earnings coverage of net charge-offs (x) | 77.6606% | 873 |
| Efficiency ratio | 79.6583% | 987 |
| Assets per employee ($millions) | 6.1215% | 1,443 |
| Cash dividends to net income (ytd only)* | 1.6362% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,355 |
| Loan loss allowance to noncurrent loans | 159.5774% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,786 |
| Noncurrent loans to loans | 0.5330% | 2,673 |
| Net loans and leases to total assets | 79.6417% | 989 |
| Net loans and leases to deposits | 98.4248% | 856 |
| Net loans and leases to core deposits | 121.1707% | 515 |
| Total domestic deposits to total assets | 80.9163% | 3,910 |
| Equity capital to assets | 9.1299% | 4,465 |
| Core capital (leverage) ratio | 9.8870% | 3,705 |
| Tier 1 risk-based capital ratio | 11.9549% | 4,453 |
| Total risk-based capital ratio | 12.9427% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,142,290,000 | 675 |
| Average earning assets | $1,063,579,000 | 660 |
| Average equity | $105,231,000 | 811 |
| Average total loans | $917,648,400 | 599 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 3,154 |
| Cost of funding earning assets | 0.7922% | 1,379 |
| Net interest margin | 3.4570% | 3,845 |
| Noninterest income to average assets | 0.4604% | 3,097 |
| Noninterest expense to average assets | 2.9309% | 2,227 |
| Loan and lease loss provision to assets | 0.0689% | 2,595 |
| Net operating income to assets | 0.6166% | 4,459 |
| Return on assets (ROA) | 0.5969% | 4,520 |
| Pretax return on assets | 0.6551% | 4,632 |
| Return on Equity (ROE) | 6.4637% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.3231% | 2,476 |
| Net charge-offs to loans | 0.0132% | 2,956 |
| Credit loss provision to net charge-offs | 648.8889% | 561 |
| Earnings coverage of net charge-offs (x) | 70.1872% | 956 |
| Efficiency ratio | 79.7175% | 970 |
| Assets per employee ($millions) | 6.0860% | 1,433 |
| Cash dividends to net income (ytd only)* | 2.1756% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,456 |
| Loan loss allowance to noncurrent loans | 153.2734% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,820 |
| Noncurrent loans to loans | 0.5551% | 2,719 |
| Net loans and leases to total assets | 80.2696% | 978 |
| Net loans and leases to deposits | 98.5207% | 910 |
| Net loans and leases to core deposits | 121.1264% | 541 |
| Total domestic deposits to total assets | 81.4748% | 3,748 |
| Equity capital to assets | 9.0690% | 4,485 |
| Core capital (leverage) ratio | 9.9037% | 3,738 |
| Tier 1 risk-based capital ratio | 11.9372% | 4,535 |
| Total risk-based capital ratio | 12.9118% | 4,587 |
| Memoranda: | ||
| Average total assets | $1,129,438,250 | 678 |
| Average earning assets | $1,050,779,000 | 667 |
| Average equity | $104,293,000 | 817 |
| Average total loans | $907,351,250 | 604 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 3,221 |
| Cost of funding earning assets | 0.7420% | 1,419 |
| Net interest margin | 3.4232% | 3,887 |
| Noninterest income to average assets | 0.4828% | 2,959 |
| Noninterest expense to average assets | 2.9868% | 2,071 |
| Loan and lease loss provision to assets | 0.0656% | 2,587 |
| Net operating income to assets | 0.5893% | 4,525 |
| Return on assets (ROA) | 0.5577% | 4,611 |
| Pretax return on assets | 0.5810% | 4,763 |
| Return on Equity (ROE) | 6.0028% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.7911% | 2,672 |
| Net charge-offs to loans | 0.0054% | 2,967 |
| Credit loss provision to net charge-offs | 1,529.1667% | 270 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 498 |
| Efficiency ratio | 81.4661% | 879 |
| Assets per employee ($millions) | 5.6695% | 1,742 |
| Cash dividends to net income (ytd only)* | 3.5268% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 4,541 |
| Loan loss allowance to noncurrent loans | 154.2509% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 2,785 |
| Noncurrent loans to loans | 0.5535% | 2,755 |
| Net loans and leases to total assets | 79.6599% | 1,071 |
| Net loans and leases to deposits | 104.4282% | 508 |
| Net loans and leases to core deposits | 122.2725% | 508 |
| Total domestic deposits to total assets | 76.2820% | 4,830 |
| Equity capital to assets | 9.1186% | 4,464 |
| Core capital (leverage) ratio | 9.9734% | 3,605 |
| Tier 1 risk-based capital ratio | 11.9290% | 4,541 |
| Total risk-based capital ratio | 12.9167% | 4,586 |
| Memoranda: | ||
| Average total assets | $1,118,443,330 | 686 |
| Average earning assets | $1,040,150,670 | 678 |
| Average equity | $103,917,330 | 822 |
| Average total loans | $896,108,670 | 610 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 3,237 |
| Cost of funding earning assets | 0.6751% | 1,564 |
| Net interest margin | 3.4241% | 3,801 |
| Noninterest income to average assets | 0.4036% | 3,440 |
| Noninterest expense to average assets | 2.9494% | 2,203 |
| Loan and lease loss provision to assets | 0.1285% | 1,468 |
| Net operating income to assets | 0.5784% | 4,488 |
| Return on assets (ROA) | 0.5118% | 4,664 |
| Pretax return on assets | 0.4427% | 4,971 |
| Return on Equity (ROE) | 5.4562% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.0318% | 3,156 |
| Net charge-offs to loans | 0.0032% | 2,624 |
| Credit loss provision to net charge-offs | 5,071.4286% | 66 |
| Earnings coverage of net charge-offs (x) | 251.7143% | 268 |
| Efficiency ratio | 82.2200% | 928 |
| Assets per employee ($millions) | 5.9326% | 1,572 |
| Cash dividends to net income (ytd only)* | 7.7793% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,553 |
| Loan loss allowance to noncurrent loans | 153.4452% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,843 |
| Noncurrent loans to loans | 0.5702% | 2,834 |
| Net loans and leases to total assets | 79.4318% | 1,016 |
| Net loans and leases to deposits | 103.3197% | 517 |
| Net loans and leases to core deposits | 139.8987% | 214 |
| Total domestic deposits to total assets | 76.8796% | 4,873 |
| Equity capital to assets | 9.2135% | 4,349 |
| Core capital (leverage) ratio | 10.0735% | 3,453 |
| Tier 1 risk-based capital ratio | 12.0125% | 4,537 |
| Total risk-based capital ratio | 12.9977% | 4,597 |
| Memoranda: | ||
| Average total assets | $1,105,044,500 | 693 |
| Average earning assets | $1,027,433,000 | 688 |
| Average equity | $103,661,000 | 825 |
| Average total loans | $884,086,000 | 622 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,531 |
| Cost of funding earning assets | 0.5061% | 2,278 |
| Net interest margin | 3.4542% | 3,676 |
| Noninterest income to average assets | 0.4952% | 3,032 |
| Noninterest expense to average assets | 2.9810% | 2,215 |
| Loan and lease loss provision to assets | 0.0464% | 3,306 |
| Net operating income to assets | 0.4118% | 4,653 |
| Return on assets (ROA) | 0.4156% | 4,665 |
| Pretax return on assets | 0.6725% | 4,576 |
| Return on Equity (ROE) | 4.2988% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.1867% | 2,652 |
| Net charge-offs to loans | 0.0295% | 3,210 |
| Credit loss provision to net charge-offs | 199.5951% | 1,369 |
| Earnings coverage of net charge-offs (x) | 30.6437% | 1,525 |
| Efficiency ratio | 80.6987% | 1,044 |
| Assets per employee ($millions) | 5.6416% | 1,800 |
| Cash dividends to net income (ytd only)* | 2.6065% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,617 |
| Loan loss allowance to noncurrent loans | 156.3254% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,916 |
| Noncurrent loans to loans | 0.5526% | 2,839 |
| Net loans and leases to total assets | 79.1824% | 1,080 |
| Net loans and leases to deposits | 101.8865% | 611 |
| Net loans and leases to core deposits | 135.1984% | 269 |
| Total domestic deposits to total assets | 77.7164% | 4,759 |
| Equity capital to assets | 9.5529% | 4,189 |
| Core capital (leverage) ratio | 9.9836% | 3,479 |
| Tier 1 risk-based capital ratio | 12.1136% | 4,452 |
| Total risk-based capital ratio | 13.1145% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,061,596,800 | 698 |
| Average earning assets | $983,088,600 | 691 |
| Average equity | $102,633,400 | 803 |
| Average total loans | $836,122,800 | 625 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 3,647 |
| Cost of funding earning assets | 0.4846% | 2,393 |
| Net interest margin | 3.4289% | 3,744 |
| Noninterest income to average assets | 0.5087% | 2,981 |
| Noninterest expense to average assets | 3.0024% | 2,102 |
| Loan and lease loss provision to assets | 0.0311% | 3,494 |
| Net operating income to assets | 0.5263% | 4,658 |
| Return on assets (ROA) | 0.5339% | 4,672 |
| Pretax return on assets | 0.6559% | 4,713 |
| Return on Equity (ROE) | 5.5059% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.3560% | 2,641 |
| Net charge-offs to loans | 0.0424% | 2,597 |
| Credit loss provision to net charge-offs | 93.5361% | 2,414 |
| Earnings coverage of net charge-offs (x) | 20.3801% | 1,958 |
| Efficiency ratio | 81.5883% | 954 |
| Assets per employee ($millions) | 5.7426% | 1,690 |
| Cash dividends to net income (ytd only)* | 2.7225% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 4,774 |
| Loan loss allowance to noncurrent loans | 145.5239% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 3,018 |
| Noncurrent loans to loans | 0.5814% | 2,949 |
| Net loans and leases to total assets | 78.6943% | 1,164 |
| Net loans and leases to deposits | 100.4246% | 717 |
| Net loans and leases to core deposits | 132.7590% | 299 |
| Total domestic deposits to total assets | 78.3616% | 4,656 |
| Equity capital to assets | 9.7412% | 4,206 |
| Core capital (leverage) ratio | 10.1578% | 3,367 |
| Tier 1 risk-based capital ratio | 12.2206% | 4,484 |
| Total risk-based capital ratio | 13.2108% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,054,790,750 | 706 |
| Average earning assets | $975,540,500 | 701 |
| Average equity | $102,288,250 | 803 |
| Average total loans | $827,736,500 | 633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,714 |
| Cost of funding earning assets | 0.4550% | 2,555 |
| Net interest margin | 3.3962% | 3,785 |
| Noninterest income to average assets | 0.5068% | 2,975 |
| Noninterest expense to average assets | 3.0192% | 2,062 |
| Loan and lease loss provision to assets | 0.0021% | 3,852 |
| Net operating income to assets | 0.5204% | 4,650 |
| Return on assets (ROA) | 0.5204% | 4,681 |
| Pretax return on assets | 0.6224% | 4,756 |
| Return on Equity (ROE) | 5.3746% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.1476% | 2,610 |
| Net charge-offs to loans | 0.0826% | 1,784 |
| Credit loss provision to net charge-offs | 3.2544% | 2,888 |
| Earnings coverage of net charge-offs (x) | 9.6686% | 2,410 |
| Efficiency ratio | 82.8595% | 932 |
| Assets per employee ($millions) | 5.5982% | 1,789 |
| Cash dividends to net income (ytd only)* | 4.2233% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,860 |
| Loan loss allowance to noncurrent loans | 126.8507% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,891 |
| Noncurrent loans to loans | 0.6573% | 2,775 |
| Net loans and leases to total assets | 77.1988% | 1,363 |
| Net loans and leases to deposits | 98.3135% | 868 |
| Net loans and leases to core deposits | 130.2510% | 303 |
| Total domestic deposits to total assets | 78.5231% | 4,723 |
| Equity capital to assets | 9.6772% | 4,251 |
| Core capital (leverage) ratio | 10.2497% | 3,204 |
| Tier 1 risk-based capital ratio | 12.5474% | 4,273 |
| Total risk-based capital ratio | 13.5337% | 4,323 |
| Memoranda: | ||
| Average total assets | $1,046,518,330 | 713 |
| Average earning assets | $966,618,330 | 710 |
| Average equity | $101,328,670 | 816 |
| Average total loans | $818,035,330 | 647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 3,796 |
| Cost of funding earning assets | 0.4213% | 2,805 |
| Net interest margin | 3.3681% | 3,773 |
| Noninterest income to average assets | 0.4050% | 3,623 |
| Noninterest expense to average assets | 2.9488% | 2,303 |
| Loan and lease loss provision to assets | 0.0692% | 2,429 |
| Net operating income to assets | 0.4707% | 4,704 |
| Return on assets (ROA) | 0.4707% | 4,729 |
| Pretax return on assets | 0.5101% | 4,946 |
| Return on Equity (ROE) | 4.8596% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.4008% | 3,225 |
| Net charge-offs to loans | 0.0261% | 2,232 |
| Credit loss provision to net charge-offs | 337.7358% | 730 |
| Earnings coverage of net charge-offs (x) | 28.2830% | 1,255 |
| Efficiency ratio | 83.5816% | 1,011 |
| Assets per employee ($millions) | 5.6456% | 1,770 |
| Cash dividends to net income (ytd only)* | 9.4417% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,714 |
| Loan loss allowance to noncurrent loans | 123.4224% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 2,864 |
| Noncurrent loans to loans | 0.7385% | 2,648 |
| Net loans and leases to total assets | 77.3731% | 1,218 |
| Net loans and leases to deposits | 99.2621% | 664 |
| Net loans and leases to core deposits | 132.4819% | 228 |
| Total domestic deposits to total assets | 77.9483% | 4,972 |
| Equity capital to assets | 9.7891% | 3,985 |
| Core capital (leverage) ratio | 10.2878% | 3,127 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,326 |
| Total risk-based capital ratio | 13.6198% | 4,374 |
| Memoranda: | ||
| Average total assets | $1,035,146,000 | 729 |
| Average earning assets | $959,827,000 | 716 |
| Average equity | $100,255,500 | 820 |
| Average total loans | $810,854,000 | 653 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,739 |
| Cost of funding earning assets | 0.3842% | 3,159 |
| Net interest margin | 3.4660% | 3,560 |
| Noninterest income to average assets | 0.6987% | 2,180 |
| Noninterest expense to average assets | 2.8773% | 2,753 |
| Loan and lease loss provision to assets | 0.0640% | 3,096 |
| Net operating income to assets | 0.7524% | 3,527 |
| Return on assets (ROA) | 0.7596% | 3,603 |
| Pretax return on assets | 0.9627% | 3,608 |
| Return on Equity (ROE) | 7.9731% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.8724% | 891 |
| Net charge-offs to loans | 0.0337% | 3,354 |
| Credit loss provision to net charge-offs | 244.1509% | 1,187 |
| Earnings coverage of net charge-offs (x) | 38.8340% | 1,198 |
| Efficiency ratio | 73.8761% | 2,304 |
| Assets per employee ($millions) | 5.4867% | 1,875 |
| Cash dividends to net income (ytd only)* | 1.2625% | 4,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,796 |
| Loan loss allowance to noncurrent loans | 88.9256% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 2,308 |
| Noncurrent loans to loans | 1.0082% | 2,074 |
| Net loans and leases to total assets | 77.8771% | 1,211 |
| Net loans and leases to deposits | 99.3509% | 714 |
| Net loans and leases to core deposits | 134.3840% | 234 |
| Total domestic deposits to total assets | 78.3859% | 4,918 |
| Equity capital to assets | 9.5805% | 4,187 |
| Core capital (leverage) ratio | 10.1947% | 3,231 |
| Tier 1 risk-based capital ratio | 12.4195% | 4,430 |
| Total risk-based capital ratio | 13.4442% | 4,461 |
| Memoranda: | ||
| Average total assets | $1,011,434,800 | 715 |
| Average earning assets | $932,652,400 | 710 |
| Average equity | $96,361,600 | 821 |
| Average total loans | $787,460,400 | 634 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,661 |
| Cost of funding earning assets | 0.3902% | 3,126 |
| Net interest margin | 3.4875% | 3,518 |
| Noninterest income to average assets | 0.5890% | 2,718 |
| Noninterest expense to average assets | 2.8581% | 2,792 |
| Loan and lease loss provision to assets | 0.0550% | 3,156 |
| Net operating income to assets | 0.6981% | 3,857 |
| Return on assets (ROA) | 0.7023% | 3,967 |
| Pretax return on assets | 0.8920% | 4,004 |
| Return on Equity (ROE) | 7.3818% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.2467% | 1,503 |
| Net charge-offs to loans | 0.0401% | 2,831 |
| Credit loss provision to net charge-offs | 176.5957% | 1,581 |
| Earnings coverage of net charge-offs (x) | 30.2464% | 1,483 |
| Efficiency ratio | 75.2179% | 2,075 |
| Assets per employee ($millions) | 5.5943% | 1,762 |
| Cash dividends to net income (ytd only)* | 1.8298% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,896 |
| Loan loss allowance to noncurrent loans | 87.9169% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 2,508 |
| Noncurrent loans to loans | 1.0158% | 2,212 |
| Net loans and leases to total assets | 77.0035% | 1,361 |
| Net loans and leases to deposits | 96.4963% | 1,001 |
| Net loans and leases to core deposits | 127.6461% | 342 |
| Total domestic deposits to total assets | 79.7994% | 4,559 |
| Equity capital to assets | 9.7294% | 4,440 |
| Core capital (leverage) ratio | 10.0900% | 3,454 |
| Tier 1 risk-based capital ratio | 12.5241% | 4,458 |
| Total risk-based capital ratio | 13.5577% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,006,417,000 | 718 |
| Average earning assets | $926,562,500 | 714 |
| Average equity | $95,746,250 | 832 |
| Average total loans | $781,682,000 | 640 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,774 |
| Cost of funding earning assets | 0.3957% | 3,089 |
| Net interest margin | 3.4549% | 3,663 |
| Noninterest income to average assets | 0.5672% | 2,810 |
| Noninterest expense to average assets | 2.8112% | 2,993 |
| Loan and lease loss provision to assets | 0.0744% | 2,650 |
| Net operating income to assets | 0.6834% | 3,883 |
| Return on assets (ROA) | 0.6897% | 3,996 |
| Pretax return on assets | 0.8774% | 4,033 |
| Return on Equity (ROE) | 7.3055% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.1005% | 1,553 |
| Net charge-offs to loans | 0.0108% | 3,341 |
| Credit loss provision to net charge-offs | 888.0952% | 409 |
| Earnings coverage of net charge-offs (x) | 112.6429% | 518 |
| Efficiency ratio | 74.8645% | 2,237 |
| Assets per employee ($millions) | 5.4418% | 1,851 |
| Cash dividends to net income (ytd only)* | 2.8059% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,886 |
| Loan loss allowance to noncurrent loans | 89.1635% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 2,520 |
| Noncurrent loans to loans | 1.0327% | 2,216 |
| Net loans and leases to total assets | 77.1232% | 1,314 |
| Net loans and leases to deposits | 97.9027% | 901 |
| Net loans and leases to core deposits | 131.5133% | 282 |
| Total domestic deposits to total assets | 78.7754% | 4,837 |
| Equity capital to assets | 9.6807% | 4,571 |
| Core capital (leverage) ratio | 9.9444% | 3,626 |
| Tier 1 risk-based capital ratio | 12.3271% | 4,630 |
| Total risk-based capital ratio | 13.3593% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,002,504,330 | 719 |
| Average earning assets | $925,016,670 | 713 |
| Average equity | $94,641,670 | 841 |
| Average total loans | $778,549,330 | 643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 3,904 |
| Cost of funding earning assets | 0.4040% | 3,024 |
| Net interest margin | 3.4075% | 3,849 |
| Noninterest income to average assets | 0.4606% | 3,413 |
| Noninterest expense to average assets | 2.6974% | 3,427 |
| Loan and lease loss provision to assets | 0.1779% | 1,139 |
| Net operating income to assets | 0.5714% | 4,306 |
| Return on assets (ROA) | 0.5714% | 4,421 |
| Pretax return on assets | 0.7321% | 4,412 |
| Return on Equity (ROE) | 6.1309% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.7147% | 2,522 |
| Net charge-offs to loans | 0.0134% | 2,676 |
| Credit loss provision to net charge-offs | 1,711.5385% | 238 |
| Earnings coverage of net charge-offs (x) | 87.5385% | 594 |
| Efficiency ratio | 74.7728% | 2,359 |
| Assets per employee ($millions) | 5.8427% | 1,538 |
| Cash dividends to net income (ytd only)* | 6.7880% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,934 |
| Loan loss allowance to noncurrent loans | 86.2439% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 2,525 |
| Noncurrent loans to loans | 1.0833% | 2,227 |
| Net loans and leases to total assets | 77.0645% | 1,238 |
| Net loans and leases to deposits | 95.8812% | 954 |
| Net loans and leases to core deposits | 128.1041% | 300 |
| Total domestic deposits to total assets | 80.3751% | 4,664 |
| Equity capital to assets | 9.4380% | 4,730 |
| Core capital (leverage) ratio | 9.8867% | 3,677 |
| Tier 1 risk-based capital ratio | 12.1753% | 4,796 |
| Total risk-based capital ratio | 13.2087% | 4,854 |
| Memoranda: | ||
| Average total assets | $1,000,388,000 | 725 |
| Average earning assets | $923,853,500 | 712 |
| Average equity | $93,233,000 | 853 |
| Average total loans | $776,002,000 | 644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,284 |
| Cost of funding earning assets | 0.5010% | 2,146 |
| Net interest margin | 3.2278% | 4,537 |
| Noninterest income to average assets | 0.5360% | 3,104 |
| Noninterest expense to average assets | 2.6983% | 3,585 |
| Loan and lease loss provision to assets | 0.0907% | 2,488 |
| Net operating income to assets | 0.5497% | 4,500 |
| Return on assets (ROA) | 0.5730% | 4,496 |
| Pretax return on assets | 0.7510% | 4,363 |
| Return on Equity (ROE) | 6.2865% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.1752% | 1,715 |
| Net charge-offs to loans | 0.0410% | 3,396 |
| Credit loss provision to net charge-offs | 290.2597% | 1,013 |
| Earnings coverage of net charge-offs (x) | 25.9578% | 1,608 |
| Efficiency ratio | 76.8884% | 2,130 |
| Assets per employee ($millions) | 5.6262% | 1,683 |
| Cash dividends to net income (ytd only)* | 1.7705% | 4,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 5,102 |
| Loan loss allowance to noncurrent loans | 74.1571% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 2,277 |
| Noncurrent loans to loans | 1.2052% | 1,959 |
| Net loans and leases to total assets | 76.6556% | 1,313 |
| Net loans and leases to deposits | 98.7426% | 762 |
| Net loans and leases to core deposits | 131.5243% | 246 |
| Total domestic deposits to total assets | 77.6317% | 5,227 |
| Equity capital to assets | 9.2003% | 4,911 |
| Core capital (leverage) ratio | 9.7547% | 3,828 |
| Tier 1 risk-based capital ratio | 12.0158% | 4,936 |
| Total risk-based capital ratio | 13.0027% | 5,023 |
| Memoranda: | ||
| Average total assets | $985,745,800 | 699 |
| Average earning assets | $908,030,600 | 693 |
| Average equity | $89,843,000 | 848 |
| Average total loans | $750,987,200 | 624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,371 |
| Cost of funding earning assets | 0.5327% | 1,947 |
| Net interest margin | 3.1834% | 4,720 |
| Noninterest income to average assets | 0.5176% | 3,244 |
| Noninterest expense to average assets | 2.6787% | 3,636 |
| Loan and lease loss provision to assets | 0.0957% | 2,257 |
| Net operating income to assets | 0.5270% | 4,696 |
| Return on assets (ROA) | 0.5534% | 4,676 |
| Pretax return on assets | 0.7076% | 4,661 |
| Return on Equity (ROE) | 6.0864% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.9373% | 2,287 |
| Net charge-offs to loans | 0.0516% | 2,870 |
| Credit loss provision to net charge-offs | 244.2907% | 1,156 |
| Earnings coverage of net charge-offs (x) | 19.6334% | 1,924 |
| Efficiency ratio | 77.6860% | 1,997 |
| Assets per employee ($millions) | 5.8413% | 1,476 |
| Cash dividends to net income (ytd only)* | 2.4504% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 5,254 |
| Loan loss allowance to noncurrent loans | 72.5740% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 2,476 |
| Noncurrent loans to loans | 1.2196% | 2,097 |
| Net loans and leases to total assets | 75.2890% | 1,496 |
| Net loans and leases to deposits | 95.9001% | 1,014 |
| Net loans and leases to core deposits | 128.6029% | 299 |
| Total domestic deposits to total assets | 78.5078% | 5,087 |
| Equity capital to assets | 9.1389% | 5,173 |
| Core capital (leverage) ratio | 9.5850% | 4,189 |
| Tier 1 risk-based capital ratio | 11.9647% | 5,103 |
| Total risk-based capital ratio | 12.9474% | 5,187 |
| Memoranda: | ||
| Average total assets | $983,224,750 | 709 |
| Average earning assets | $905,122,500 | 699 |
| Average equity | $89,399,000 | 860 |
| Average total loans | $746,173,250 | 629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,527 |
| Cost of funding earning assets | 0.5588% | 1,746 |
| Net interest margin | 3.1052% | 4,957 |
| Noninterest income to average assets | 0.5309% | 3,163 |
| Noninterest expense to average assets | 2.6740% | 3,675 |
| Loan and lease loss provision to assets | 0.1489% | 1,435 |
| Net operating income to assets | 0.4661% | 4,911 |
| Return on assets (ROA) | 0.5076% | 4,849 |
| Pretax return on assets | 0.6237% | 4,915 |
| Return on Equity (ROE) | 5.5920% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.3667% | 2,627 |
| Net charge-offs to loans | 0.0760% | 2,303 |
| Credit loss provision to net charge-offs | 258.1560% | 1,028 |
| Earnings coverage of net charge-offs (x) | 12.5106% | 2,195 |
| Efficiency ratio | 78.7521% | 1,956 |
| Assets per employee ($millions) | 5.6807% | 1,586 |
| Cash dividends to net income (ytd only)* | 4.0290% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 5,325 |
| Loan loss allowance to noncurrent loans | 68.6165% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 2,480 |
| Noncurrent loans to loans | 1.2992% | 2,066 |
| Net loans and leases to total assets | 75.4325% | 1,448 |
| Net loans and leases to deposits | 98.3085% | 771 |
| Net loans and leases to core deposits | 132.7146% | 234 |
| Total domestic deposits to total assets | 76.7304% | 5,490 |
| Equity capital to assets | 8.9241% | 5,312 |
| Core capital (leverage) ratio | 9.5488% | 4,211 |
| Tier 1 risk-based capital ratio | 11.9364% | 5,189 |
| Total risk-based capital ratio | 12.9152% | 5,277 |
| Memoranda: | ||
| Average total assets | $978,013,330 | 716 |
| Average earning assets | $902,228,670 | 704 |
| Average equity | $88,770,330 | 870 |
| Average total loans | $741,982,000 | 631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 4,536 |
| Cost of funding earning assets | 0.5806% | 1,578 |
| Net interest margin | 3.0680% | 5,032 |
| Noninterest income to average assets | 0.4891% | 3,353 |
| Noninterest expense to average assets | 2.6987% | 3,597 |
| Loan and lease loss provision to assets | 0.1612% | 1,253 |
| Net operating income to assets | 0.3988% | 5,072 |
| Return on assets (ROA) | 0.3988% | 5,186 |
| Pretax return on assets | 0.4619% | 5,282 |
| Return on Equity (ROE) | 4.3560% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.9055% | 3,657 |
| Net charge-offs to loans | 0.1405% | 1,406 |
| Credit loss provision to net charge-offs | 151.5504% | 1,233 |
| Earnings coverage of net charge-offs (x) | 5.8566% | 2,349 |
| Efficiency ratio | 81.2415% | 1,725 |
| Assets per employee ($millions) | 5.7735% | 1,573 |
| Cash dividends to net income (ytd only)* | 10.3413% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 5,517 |
| Loan loss allowance to noncurrent loans | 65.0617% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 2,523 |
| Noncurrent loans to loans | 1.3414% | 2,144 |
| Net loans and leases to total assets | 75.3177% | 1,306 |
| Net loans and leases to deposits | 97.5458% | 715 |
| Net loans and leases to core deposits | 130.7449% | 237 |
| Total domestic deposits to total assets | 77.2126% | 5,579 |
| Equity capital to assets | 9.1048% | 5,188 |
| Core capital (leverage) ratio | 9.5065% | 4,268 |
| Tier 1 risk-based capital ratio | 12.0257% | 5,213 |
| Total risk-based capital ratio | 12.9919% | 5,316 |
| Memoranda: | ||
| Average total assets | $969,958,500 | 716 |
| Average earning assets | $895,553,500 | 708 |
| Average equity | $88,797,000 | 871 |
| Average total loans | $734,654,500 | 635 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,889 |
| Cost of funding earning assets | 0.7564% | 818 |
| Net interest margin | 2.9102% | 5,620 |
| Noninterest income to average assets | 0.5698% | 3,055 |
| Noninterest expense to average assets | 2.6411% | 4,084 |
| Loan and lease loss provision to assets | 0.0635% | 3,246 |
| Net operating income to assets | 0.4271% | 5,124 |
| Return on assets (ROA) | 0.4282% | 5,196 |
| Pretax return on assets | 0.5311% | 5,167 |
| Return on Equity (ROE) | 4.8362% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.7263% | 2,815 |
| Net charge-offs to loans | 0.0535% | 3,763 |
| Credit loss provision to net charge-offs | 163.0319% | 1,489 |
| Earnings coverage of net charge-offs (x) | 15.2287% | 2,098 |
| Efficiency ratio | 81.6604% | 1,701 |
| Assets per employee ($millions) | 5.5112% | 1,760 |
| Cash dividends to net income (ytd only)* | 2.2738% | 4,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 5,607 |
| Loan loss allowance to noncurrent loans | 55.8224% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 2,384 |
| Noncurrent loans to loans | 1.5408% | 1,905 |
| Net loans and leases to total assets | 74.8514% | 1,443 |
| Net loans and leases to deposits | 97.6559% | 786 |
| Net loans and leases to core deposits | 131.6417% | 226 |
| Total domestic deposits to total assets | 76.6482% | 5,651 |
| Equity capital to assets | 9.2047% | 5,066 |
| Core capital (leverage) ratio | 9.3981% | 4,389 |
| Tier 1 risk-based capital ratio | 12.4773% | 5,045 |
| Total risk-based capital ratio | 13.4767% | 5,120 |
| Memoranda: | ||
| Average total assets | $965,363,800 | 697 |
| Average earning assets | $883,818,600 | 693 |
| Average equity | $85,479,600 | 863 |
| Average total loans | $703,123,800 | 618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,939 |
| Cost of funding earning assets | 0.7906% | 722 |
| Net interest margin | 2.8801% | 5,744 |
| Noninterest income to average assets | 0.5344% | 3,295 |
| Noninterest expense to average assets | 2.5846% | 4,243 |
| Loan and lease loss provision to assets | 0.0718% | 2,911 |
| Net operating income to assets | 0.4179% | 5,183 |
| Return on assets (ROA) | 0.4220% | 5,250 |
| Pretax return on assets | 0.5147% | 5,286 |
| Return on Equity (ROE) | 4.8140% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.6657% | 3,310 |
| Net charge-offs to loans | 0.0351% | 3,786 |
| Credit loss provision to net charge-offs | 283.6066% | 947 |
| Earnings coverage of net charge-offs (x) | 22.9785% | 1,609 |
| Efficiency ratio | 81.6343% | 1,665 |
| Assets per employee ($millions) | 5.6945% | 1,565 |
| Cash dividends to net income (ytd only)* | 3.0799% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 5,622 |
| Loan loss allowance to noncurrent loans | 59.5329% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1297% | 2,695 |
| Noncurrent loans to loans | 1.5017% | 2,162 |
| Net loans and leases to total assets | 72.8382% | 1,707 |
| Net loans and leases to deposits | 98.7680% | 685 |
| Net loans and leases to core deposits | 126.5508% | 277 |
| Total domestic deposits to total assets | 73.7468% | 6,035 |
| Equity capital to assets | 8.9452% | 5,409 |
| Core capital (leverage) ratio | 9.1540% | 4,848 |
| Tier 1 risk-based capital ratio | 12.8705% | 4,938 |
| Total risk-based capital ratio | 13.9203% | 4,969 |
| Memoranda: | ||
| Average total assets | $964,210,750 | 696 |
| Average earning assets | $881,006,750 | 696 |
| Average equity | $84,528,750 | 874 |
| Average total loans | $695,819,750 | 620 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 4,985 |
| Cost of funding earning assets | 0.8158% | 656 |
| Net interest margin | 2.8408% | 5,835 |
| Noninterest income to average assets | 0.5798% | 2,931 |
| Noninterest expense to average assets | 2.6120% | 4,198 |
| Loan and lease loss provision to assets | 0.0891% | 2,540 |
| Net operating income to assets | 0.4006% | 5,219 |
| Return on assets (ROA) | 0.4069% | 5,277 |
| Pretax return on assets | 0.4739% | 5,349 |
| Return on Equity (ROE) | 4.6731% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.4484% | 3,339 |
| Net charge-offs to loans | 0.0252% | 3,695 |
| Credit loss provision to net charge-offs | 491.9540% | 599 |
| Earnings coverage of net charge-offs (x) | 30.6897% | 1,238 |
| Efficiency ratio | 82.4584% | 1,694 |
| Assets per employee ($millions) | 5.5712% | 1,635 |
| Cash dividends to net income (ytd only)* | 4.8082% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,719 |
| Loan loss allowance to noncurrent loans | 56.7340% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 2,670 |
| Noncurrent loans to loans | 1.5893% | 2,191 |
| Net loans and leases to total assets | 71.3661% | 1,850 |
| Net loans and leases to deposits | 102.1644% | 441 |
| Net loans and leases to core deposits | 130.7560% | 219 |
| Total domestic deposits to total assets | 69.8542% | 6,357 |
| Equity capital to assets | 8.7801% | 5,537 |
| Core capital (leverage) ratio | 9.1866% | 4,765 |
| Tier 1 risk-based capital ratio | 12.7657% | 5,059 |
| Total risk-based capital ratio | 13.8121% | 5,114 |
| Memoranda: | ||
| Average total assets | $961,028,330 | 696 |
| Average earning assets | $875,454,330 | 698 |
| Average equity | $83,670,000 | 878 |
| Average total loans | $689,204,330 | 623 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 5,019 |
| Cost of funding earning assets | 0.8631% | 549 |
| Net interest margin | 2.7838% | 5,966 |
| Noninterest income to average assets | 0.5735% | 2,893 |
| Noninterest expense to average assets | 2.7264% | 3,846 |
| Loan and lease loss provision to assets | 0.0886% | 2,438 |
| Net operating income to assets | 0.3007% | 5,493 |
| Return on assets (ROA) | 0.3146% | 5,491 |
| Pretax return on assets | 0.3066% | 5,702 |
| Return on Equity (ROE) | 3.6295% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.1722% | 4,226 |
| Net charge-offs to loans | -0.0047% | 4,807 |
| Credit loss provision to net charge-offs | -2,625.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7324% | 1,256 |
| Assets per employee ($millions) | 5.7307% | 1,509 |
| Cash dividends to net income (ytd only)* | 12.6005% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 5,806 |
| Loan loss allowance to noncurrent loans | 53.4696% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 2,691 |
| Noncurrent loans to loans | 1.7188% | 2,253 |
| Net loans and leases to total assets | 71.1687% | 1,699 |
| Net loans and leases to deposits | 97.6593% | 567 |
| Net loans and leases to core deposits | 124.9258% | 241 |
| Total domestic deposits to total assets | 72.8745% | 6,314 |
| Equity capital to assets | 8.7805% | 5,361 |
| Core capital (leverage) ratio | 9.3289% | 4,528 |
| Tier 1 risk-based capital ratio | 13.0467% | 4,977 |
| Total risk-based capital ratio | 14.1225% | 5,019 |
| Memoranda: | ||
| Average total assets | $948,492,000 | 716 |
| Average earning assets | $863,409,500 | 712 |
| Average equity | $82,214,500 | 893 |
| Average total loans | $678,734,000 | 635 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 5,273 |
| Cost of funding earning assets | 0.9885% | 474 |
| Net interest margin | 2.6634% | 6,186 |
| Noninterest income to average assets | 0.6837% | 2,630 |
| Noninterest expense to average assets | 2.6962% | 4,114 |
| Loan and lease loss provision to assets | 0.0475% | 4,175 |
| Net operating income to assets | 0.3201% | 5,456 |
| Return on assets (ROA) | 0.4532% | 5,068 |
| Pretax return on assets | 0.4968% | 5,213 |
| Return on Equity (ROE) | 5.1660% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.0526% | 2,559 |
| Net charge-offs to loans | 0.2330% | 2,588 |
| Credit loss provision to net charge-offs | 28.3592% | 4,284 |
| Earnings coverage of net charge-offs (x) | 2.4483% | 4,191 |
| Efficiency ratio | 86.8055% | 1,333 |
| Assets per employee ($millions) | 5.5303% | 1,624 |
| Cash dividends to net income (ytd only)* | 2.1952% | 4,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 5,932 |
| Loan loss allowance to noncurrent loans | 54.4312% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 2,896 |
| Noncurrent loans to loans | 1.6520% | 2,432 |
| Net loans and leases to total assets | 70.6471% | 1,910 |
| Net loans and leases to deposits | 97.3816% | 633 |
| Net loans and leases to core deposits | 122.8212% | 290 |
| Total domestic deposits to total assets | 72.5466% | 6,381 |
| Equity capital to assets | 8.5547% | 5,521 |
| Core capital (leverage) ratio | 9.2927% | 4,566 |
| Tier 1 risk-based capital ratio | 13.1677% | 4,872 |
| Total risk-based capital ratio | 14.2148% | 4,953 |
| Memoranda: | ||
| Average total assets | $924,779,600 | 714 |
| Average earning assets | $841,062,000 | 711 |
| Average equity | $81,126,800 | 883 |
| Average total loans | $664,492,000 | 633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 5,323 |
| Cost of funding earning assets | 1.0099% | 467 |
| Net interest margin | 2.6328% | 6,272 |
| Noninterest income to average assets | 0.7079% | 2,563 |
| Noninterest expense to average assets | 2.7010% | 4,017 |
| Loan and lease loss provision to assets | 0.1419% | 2,512 |
| Net operating income to assets | 0.2611% | 5,751 |
| Return on assets (ROA) | 0.4414% | 5,208 |
| Pretax return on assets | 0.4411% | 5,521 |
| Return on Equity (ROE) | 4.9993% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.8482% | 3,196 |
| Net charge-offs to loans | 0.2545% | 2,288 |
| Credit loss provision to net charge-offs | 77.4525% | 2,908 |
| Earnings coverage of net charge-offs (x) | 2.1978% | 4,108 |
| Efficiency ratio | 87.0223% | 1,257 |
| Assets per employee ($millions) | 5.6407% | 1,507 |
| Cash dividends to net income (ytd only)* | 3.0222% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 5,600 |
| Loan loss allowance to noncurrent loans | 52.1509% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 2,672 |
| Noncurrent loans to loans | 1.9724% | 2,283 |
| Net loans and leases to total assets | 70.7585% | 1,827 |
| Net loans and leases to deposits | 101.7309% | 398 |
| Net loans and leases to core deposits | 126.6462% | 231 |
| Total domestic deposits to total assets | 69.5545% | 6,617 |
| Equity capital to assets | 8.7030% | 5,516 |
| Core capital (leverage) ratio | 9.2365% | 4,779 |
| Tier 1 risk-based capital ratio | 13.1314% | 5,030 |
| Total risk-based capital ratio | 14.2797% | 5,054 |
| Memoranda: | ||
| Average total assets | $919,553,500 | 721 |
| Average earning assets | $836,794,500 | 718 |
| Average equity | $81,183,500 | 891 |
| Average total loans | $662,075,000 | 636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 5,257 |
| Cost of funding earning assets | 1.0410% | 446 |
| Net interest margin | 2.6194% | 6,310 |
| Noninterest income to average assets | 0.7935% | 2,212 |
| Noninterest expense to average assets | 2.7984% | 3,685 |
| Loan and lease loss provision to assets | 0.2114% | 1,794 |
| Net operating income to assets | 0.1821% | 5,954 |
| Return on assets (ROA) | 0.4541% | 5,169 |
| Pretax return on assets | 0.4361% | 5,559 |
| Return on Equity (ROE) | 5.1184% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.8914% | 3,123 |
| Net charge-offs to loans | 0.1598% | 2,825 |
| Credit loss provision to net charge-offs | 183.3017% | 1,301 |
| Earnings coverage of net charge-offs (x) | 3.2562% | 3,443 |
| Efficiency ratio | 88.1688% | 1,206 |
| Assets per employee ($millions) | 5.4470% | 1,631 |
| Cash dividends to net income (ytd only)* | 4.4337% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,300 |
| Loan loss allowance to noncurrent loans | 48.9137% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 2,490 |
| Noncurrent loans to loans | 2.3195% | 2,037 |
| Net loans and leases to total assets | 70.7824% | 1,754 |
| Net loans and leases to deposits | 100.5035% | 395 |
| Net loans and leases to core deposits | 124.8507% | 241 |
| Total domestic deposits to total assets | 70.4278% | 6,641 |
| Equity capital to assets | 8.5530% | 5,715 |
| Core capital (leverage) ratio | 9.2352% | 4,646 |
| Tier 1 risk-based capital ratio | 12.9932% | 5,148 |
| Total risk-based capital ratio | 14.2434% | 5,088 |
| Memoranda: | ||
| Average total assets | $913,950,330 | 725 |
| Average earning assets | $830,560,000 | 720 |
| Average equity | $81,080,670 | 891 |
| Average total loans | $659,619,330 | 634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 5,119 |
| Cost of funding earning assets | 1.0809% | 411 |
| Net interest margin | 2.6321% | 6,327 |
| Noninterest income to average assets | 0.9449% | 1,628 |
| Noninterest expense to average assets | 3.2005% | 2,350 |
| Loan and lease loss provision to assets | 0.1924% | 1,920 |
| Net operating income to assets | 0.0498% | 6,249 |
| Return on assets (ROA) | 0.0776% | 6,282 |
| Pretax return on assets | -0.0084% | 6,418 |
| Return on Equity (ROE) | 0.8583% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.4071% | 5,656 |
| Net charge-offs to loans | 0.1737% | 2,356 |
| Credit loss provision to net charge-offs | 152.8169% | 1,345 |
| Earnings coverage of net charge-offs (x) | 1.1162% | 3,462 |
| Efficiency ratio | 95.7946% | 743 |
| Assets per employee ($millions) | 4.8423% | 2,423 |
| Cash dividends to net income (ytd only)* | 52.5714% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,589 |
| Loan loss allowance to noncurrent loans | 43.8278% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 2,397 |
| Noncurrent loans to loans | 2.5216% | 2,046 |
| Net loans and leases to total assets | 71.9615% | 1,356 |
| Net loans and leases to deposits | 99.4659% | 374 |
| Net loans and leases to core deposits | 124.5718% | 220 |
| Total domestic deposits to total assets | 72.3479% | 6,641 |
| Equity capital to assets | 8.9482% | 5,557 |
| Core capital (leverage) ratio | 8.8448% | 5,127 |
| Tier 1 risk-based capital ratio | 12.5501% | 5,554 |
| Total risk-based capital ratio | 13.8005% | 5,495 |
| Memoranda: | ||
| Average total assets | $902,484,000 | 735 |
| Average earning assets | $821,558,000 | 737 |
| Average equity | $81,555,000 | 897 |
| Average total loans | $654,050,000 | 641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 5,731 |
| Cost of funding earning assets | 1.1654% | 675 |
| Net interest margin | 2.6753% | 6,552 |
| Noninterest income to average assets | 0.8557% | 2,011 |
| Noninterest expense to average assets | 2.8653% | 3,786 |
| Loan and lease loss provision to assets | 0.1698% | 3,496 |
| Net operating income to assets | 0.2043% | 5,777 |
| Return on assets (ROA) | 0.3823% | 5,400 |
| Pretax return on assets | 0.4412% | 5,451 |
| Return on Equity (ROE) | 4.3355% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.2249% | 3,252 |
| Net charge-offs to loans | 0.2015% | 3,767 |
| Credit loss provision to net charge-offs | 122.3362% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.9282% | 3,963 |
| Efficiency ratio | 87.5360% | 1,286 |
| Assets per employee ($millions) | 4.6353% | 2,722 |
| Cash dividends to net income (ytd only)* | 2.5509% | 4,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,511 |
| Loan loss allowance to noncurrent loans | 39.5641% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.1560% | 2,272 |
| Noncurrent loans to loans | 2.8072% | 1,878 |
| Net loans and leases to total assets | 71.3720% | 1,592 |
| Net loans and leases to deposits | 103.2695% | 290 |
| Net loans and leases to core deposits | 121.9610% | 262 |
| Total domestic deposits to total assets | 69.1123% | 6,823 |
| Equity capital to assets | 9.1268% | 5,363 |
| Core capital (leverage) ratio | 9.0381% | 4,836 |
| Tier 1 risk-based capital ratio | 12.7483% | 5,295 |
| Total risk-based capital ratio | 13.9987% | 5,231 |
| Memoranda: | ||
| Average total assets | $912,719,800 | 723 |
| Average earning assets | $824,268,600 | 726 |
| Average equity | $80,475,400 | 869 |
| Average total loans | $628,868,600 | 658 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 5,814 |
| Cost of funding earning assets | 1.1778% | 770 |
| Net interest margin | 2.7116% | 6,631 |
| Noninterest income to average assets | 0.8692% | 1,946 |
| Noninterest expense to average assets | 2.8961% | 3,612 |
| Loan and lease loss provision to assets | 0.1486% | 3,679 |
| Net operating income to assets | 0.2352% | 5,822 |
| Return on assets (ROA) | 0.4707% | 5,212 |
| Pretax return on assets | 0.5412% | 5,341 |
| Return on Equity (ROE) | 5.3843% | 4,651 |
| Retained earnings to average equity (ytd only) | 5.2363% | 3,200 |
| Net charge-offs to loans | 0.1883% | 3,612 |
| Credit loss provision to net charge-offs | 115.8730% | 2,509 |
| Earnings coverage of net charge-offs (x) | 3.2687% | 3,719 |
| Efficiency ratio | 87.3065% | 1,273 |
| Assets per employee ($millions) | 4.6616% | 2,658 |
| Cash dividends to net income (ytd only)* | 2.7485% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,603 |
| Loan loss allowance to noncurrent loans | 37.4627% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 2.2192% | 2,412 |
| Noncurrent loans to loans | 3.0123% | 1,855 |
| Net loans and leases to total assets | 69.1573% | 2,078 |
| Net loans and leases to deposits | 100.0766% | 429 |
| Net loans and leases to core deposits | 117.7416% | 352 |
| Total domestic deposits to total assets | 69.1044% | 6,880 |
| Equity capital to assets | 9.2308% | 5,555 |
| Core capital (leverage) ratio | 8.8508% | 5,264 |
| Tier 1 risk-based capital ratio | 13.0312% | 5,214 |
| Total risk-based capital ratio | 14.2816% | 5,175 |
| Memoranda: | ||
| Average total assets | $917,247,500 | 723 |
| Average earning assets | $827,387,250 | 726 |
| Average equity | $80,182,000 | 874 |
| Average total loans | $624,668,000 | 664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 5,789 |
| Cost of funding earning assets | 1.1813% | 892 |
| Net interest margin | 2.7658% | 6,628 |
| Noninterest income to average assets | 0.8789% | 1,865 |
| Noninterest expense to average assets | 2.9456% | 3,455 |
| Loan and lease loss provision to assets | 0.1283% | 3,920 |
| Net operating income to assets | 0.2603% | 5,730 |
| Return on assets (ROA) | 0.5981% | 4,632 |
| Pretax return on assets | 0.6808% | 4,887 |
| Return on Equity (ROE) | 6.9674% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.7435% | 2,253 |
| Net charge-offs to loans | 0.1871% | 3,458 |
| Credit loss provision to net charge-offs | 101.5385% | 2,677 |
| Earnings coverage of net charge-offs (x) | 3.3658% | 3,400 |
| Efficiency ratio | 87.3094% | 1,309 |
| Assets per employee ($millions) | 4.7163% | 2,549 |
| Cash dividends to net income (ytd only)* | 3.2130% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,719 |
| Loan loss allowance to noncurrent loans | 34.3134% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.3088% | 2,426 |
| Noncurrent loans to loans | 3.2529% | 1,791 |
| Net loans and leases to total assets | 66.0988% | 2,651 |
| Net loans and leases to deposits | 92.8035% | 863 |
| Net loans and leases to core deposits | 116.0558% | 395 |
| Total domestic deposits to total assets | 71.2245% | 6,843 |
| Equity capital to assets | 8.7408% | 5,980 |
| Core capital (leverage) ratio | 8.4420% | 5,725 |
| Tier 1 risk-based capital ratio | 13.0499% | 5,152 |
| Total risk-based capital ratio | 14.3003% | 5,129 |
| Memoranda: | ||
| Average total assets | $926,208,000 | 718 |
| Average earning assets | $834,469,330 | 723 |
| Average equity | $79,513,330 | 872 |
| Average total loans | $625,297,000 | 666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 5,909 |
| Cost of funding earning assets | 1.1718% | 1,099 |
| Net interest margin | 2.7752% | 6,669 |
| Noninterest income to average assets | 1.0398% | 1,338 |
| Noninterest expense to average assets | 3.2643% | 2,406 |
| Loan and lease loss provision to assets | 0.1299% | 3,722 |
| Net operating income to assets | 0.2192% | 5,927 |
| Return on assets (ROA) | 0.2196% | 6,066 |
| Pretax return on assets | 0.1709% | 6,249 |
| Return on Equity (ROE) | 2.5814% | 5,873 |
| Retained earnings to average equity (ytd only) | 2.1301% | 5,200 |
| Net charge-offs to loans | 0.4013% | 2,100 |
| Credit loss provision to net charge-offs | 47.7021% | 3,318 |
| Earnings coverage of net charge-offs (x) | 1.1030% | 3,782 |
| Efficiency ratio | 91.4306% | 982 |
| Assets per employee ($millions) | 4.8534% | 2,446 |
| Cash dividends to net income (ytd only)* | 17.4853% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,071 |
| Loan loss allowance to noncurrent loans | 35.5197% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.0847% | 2,795 |
| Noncurrent loans to loans | 2.9607% | 2,183 |
| Net loans and leases to total assets | 65.5330% | 2,553 |
| Net loans and leases to deposits | 92.2292% | 778 |
| Net loans and leases to core deposits | 117.8818% | 346 |
| Total domestic deposits to total assets | 71.0545% | 6,932 |
| Equity capital to assets | 8.3520% | 6,223 |
| Core capital (leverage) ratio | 8.4726% | 5,637 |
| Tier 1 risk-based capital ratio | 12.4503% | 5,646 |
| Total risk-based capital ratio | 13.6512% | 5,643 |
| Memoranda: | ||
| Average total assets | $927,115,500 | 716 |
| Average earning assets | $843,460,000 | 713 |
| Average equity | $78,870,500 | 878 |
| Average total loans | $628,990,500 | 661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 6,302 |
| Cost of funding earning assets | 1.3640% | 1,188 |
| Net interest margin | 2.7209% | 6,904 |
| Noninterest income to average assets | 0.7393% | 2,390 |
| Noninterest expense to average assets | 2.8205% | 4,267 |
| Loan and lease loss provision to assets | 0.1089% | 5,232 |
| Net operating income to assets | 0.2468% | 5,430 |
| Return on assets (ROA) | 0.2660% | 5,530 |
| Pretax return on assets | 0.3001% | 5,555 |
| Return on Equity (ROE) | 3.1587% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.0540% | 4,055 |
| Net charge-offs to loans | 0.2882% | 3,970 |
| Credit loss provision to net charge-offs | 54.2261% | 5,312 |
| Earnings coverage of net charge-offs (x) | 1.9292% | 4,327 |
| Efficiency ratio | 87.7628% | 1,374 |
| Assets per employee ($millions) | 4.7783% | 2,477 |
| Cash dividends to net income (ytd only)* | 3.3140% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,870 |
| Loan loss allowance to noncurrent loans | 32.6879% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 2.4174% | 2,516 |
| Noncurrent loans to loans | 3.3216% | 1,951 |
| Net loans and leases to total assets | 68.7546% | 2,261 |
| Net loans and leases to deposits | 98.0363% | 560 |
| Net loans and leases to core deposits | 120.0832% | 351 |
| Total domestic deposits to total assets | 70.1318% | 6,983 |
| Equity capital to assets | 8.6671% | 5,939 |
| Core capital (leverage) ratio | 8.4374% | 5,659 |
| Tier 1 risk-based capital ratio | 12.5166% | 5,433 |
| Total risk-based capital ratio | 13.7672% | 5,423 |
| Memoranda: | ||
| Average total assets | $907,397,400 | 720 |
| Average earning assets | $823,251,800 | 719 |
| Average equity | $76,423,200 | 878 |
| Average total loans | $632,226,800 | 653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 6,353 |
| Cost of funding earning assets | 1.4024% | 1,223 |
| Net interest margin | 2.7235% | 6,971 |
| Noninterest income to average assets | 0.8043% | 2,036 |
| Noninterest expense to average assets | 2.9249% | 3,819 |
| Loan and lease loss provision to assets | 0.0967% | 5,251 |
| Net operating income to assets | 0.2342% | 5,608 |
| Return on assets (ROA) | 0.2605% | 5,689 |
| Pretax return on assets | 0.2852% | 5,736 |
| Return on Equity (ROE) | 3.1153% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.9745% | 4,572 |
| Net charge-offs to loans | 0.3523% | 3,332 |
| Credit loss provision to net charge-offs | 39.3649% | 5,264 |
| Earnings coverage of net charge-offs (x) | 1.4374% | 4,554 |
| Efficiency ratio | 89.0734% | 1,238 |
| Assets per employee ($millions) | 4.9132% | 2,305 |
| Cash dividends to net income (ytd only)* | 4.5196% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 6,018 |
| Loan loss allowance to noncurrent loans | 39.1596% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0215% | 3,116 |
| Noncurrent loans to loans | 2.7048% | 2,585 |
| Net loans and leases to total assets | 69.3331% | 2,209 |
| Net loans and leases to deposits | 97.5122% | 607 |
| Net loans and leases to core deposits | 121.0010% | 360 |
| Total domestic deposits to total assets | 71.1020% | 6,984 |
| Equity capital to assets | 8.6897% | 6,094 |
| Core capital (leverage) ratio | 8.3222% | 5,944 |
| Tier 1 risk-based capital ratio | 12.4202% | 5,555 |
| Total risk-based capital ratio | 13.6706% | 5,553 |
| Memoranda: | ||
| Average total assets | $906,081,250 | 729 |
| Average earning assets | $822,949,500 | 730 |
| Average equity | $75,753,750 | 896 |
| Average total loans | $631,687,250 | 661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 6,414 |
| Cost of funding earning assets | 1.4386% | 1,241 |
| Net interest margin | 2.6957% | 7,032 |
| Noninterest income to average assets | 0.7958% | 2,037 |
| Noninterest expense to average assets | 2.9408% | 3,860 |
| Loan and lease loss provision to assets | 0.1189% | 4,784 |
| Net operating income to assets | 0.1952% | 5,756 |
| Return on assets (ROA) | 0.2345% | 5,734 |
| Pretax return on assets | 0.2245% | 5,874 |
| Return on Equity (ROE) | 2.8415% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.6277% | 4,623 |
| Net charge-offs to loans | 0.3876% | 3,009 |
| Credit loss provision to net charge-offs | 44.0720% | 4,736 |
| Earnings coverage of net charge-offs (x) | 1.1276% | 4,431 |
| Efficiency ratio | 90.4704% | 1,208 |
| Assets per employee ($millions) | 4.7173% | 2,519 |
| Cash dividends to net income (ytd only)* | 7.5259% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 5,930 |
| Loan loss allowance to noncurrent loans | 71.0335% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 4,499 |
| Noncurrent loans to loans | 1.5585% | 4,071 |
| Net loans and leases to total assets | 68.3467% | 2,546 |
| Net loans and leases to deposits | 96.8677% | 658 |
| Net loans and leases to core deposits | 121.2934% | 388 |
| Total domestic deposits to total assets | 70.5568% | 7,083 |
| Equity capital to assets | 8.3205% | 6,397 |
| Core capital (leverage) ratio | 8.4786% | 5,586 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,609 |
| Total risk-based capital ratio | 13.4578% | 5,591 |
| Memoranda: | ||
| Average total assets | $906,763,670 | 732 |
| Average earning assets | $823,833,000 | 734 |
| Average equity | $74,819,000 | 907 |
| Average total loans | $631,081,330 | 677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 6,452 |
| Cost of funding earning assets | 1.4623% | 1,321 |
| Net interest margin | 2.6635% | 7,058 |
| Noninterest income to average assets | 0.9140% | 1,608 |
| Noninterest expense to average assets | 3.3170% | 2,506 |
| Loan and lease loss provision to assets | 0.1689% | 3,937 |
| Net operating income to assets | -0.0333% | 6,393 |
| Return on assets (ROA) | 0.0173% | 6,353 |
| Pretax return on assets | -0.0769% | 6,432 |
| Return on Equity (ROE) | 0.2109% | 6,344 |
| Retained earnings to average equity (ytd only) | -0.2217% | 5,830 |
| Net charge-offs to loans | 0.7214% | 1,774 |
| Credit loss provision to net charge-offs | 33.5097% | 4,060 |
| Earnings coverage of net charge-offs (x) | 0.0256% | 4,564 |
| Efficiency ratio | 99.4529% | 771 |
| Assets per employee ($millions) | 4.7287% | 2,522 |
| Cash dividends to net income (ytd only)* | 205.1282% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 6,001 |
| Loan loss allowance to noncurrent loans | 69.6034% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,498 |
| Noncurrent loans to loans | 1.5965% | 4,086 |
| Net loans and leases to total assets | 68.6547% | 2,413 |
| Net loans and leases to deposits | 95.5684% | 722 |
| Net loans and leases to core deposits | 118.9471% | 448 |
| Total domestic deposits to total assets | 71.8383% | 7,085 |
| Equity capital to assets | 8.1623% | 6,326 |
| Core capital (leverage) ratio | 8.3612% | 5,699 |
| Tier 1 risk-based capital ratio | 12.2474% | 5,478 |
| Total risk-based capital ratio | 13.4981% | 5,476 |
| Memoranda: | ||
| Average total assets | $900,204,000 | 744 |
| Average earning assets | $816,514,000 | 749 |
| Average equity | $73,959,000 | 907 |
| Average total loans | $628,748,000 | 683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 6,575 |
| Cost of funding earning assets | 1.6605% | 1,780 |
| Net interest margin | 2.7609% | 7,073 |
| Noninterest income to average assets | 0.8011% | 2,278 |
| Noninterest expense to average assets | 2.7283% | 4,860 |
| Loan and lease loss provision to assets | 0.1712% | 5,511 |
| Net operating income to assets | 0.3057% | 4,915 |
| Return on assets (ROA) | 0.6359% | 3,655 |
| Pretax return on assets | 0.8550% | 3,461 |
| Return on Equity (ROE) | 7.8659% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.7422% | 1,061 |
| Net charge-offs to loans | 0.0938% | 5,903 |
| Credit loss provision to net charge-offs | 260.1351% | 1,082 |
| Earnings coverage of net charge-offs (x) | 8.8142% | 1,921 |
| Efficiency ratio | 82.3120% | 2,125 |
| Assets per employee ($millions) | 4.5314% | 2,808 |
| Cash dividends to net income (ytd only)* | 1.5729% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 5,393 |
| Loan loss allowance to noncurrent loans | 40.0021% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 2.2613% | 3,016 |
| Noncurrent loans to loans | 3.0620% | 2,492 |
| Net loans and leases to total assets | 69.4061% | 2,685 |
| Net loans and leases to deposits | 98.9516% | 646 |
| Net loans and leases to core deposits | 121.4078% | 490 |
| Total domestic deposits to total assets | 70.1414% | 7,230 |
| Equity capital to assets | 8.2697% | 6,179 |
| Core capital (leverage) ratio | 8.1268% | 5,952 |
| Tier 1 risk-based capital ratio | 12.2474% | 5,261 |
| Total risk-based capital ratio | 13.4996% | 5,220 |
| Memoranda: | ||
| Average total assets | $899,765,600 | 745 |
| Average earning assets | $817,052,800 | 742 |
| Average equity | $72,744,600 | 918 |
| Average total loans | $631,162,200 | 700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 6,634 |
| Cost of funding earning assets | 1.6829% | 1,952 |
| Net interest margin | 2.8061% | 7,126 |
| Noninterest income to average assets | 0.7798% | 2,325 |
| Noninterest expense to average assets | 2.6996% | 4,882 |
| Loan and lease loss provision to assets | 0.1756% | 5,284 |
| Net operating income to assets | 0.3355% | 5,028 |
| Return on assets (ROA) | 0.7744% | 3,268 |
| Pretax return on assets | 1.0435% | 3,022 |
| Return on Equity (ROE) | 9.6339% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.4681% | 918 |
| Net charge-offs to loans | 0.1147% | 5,391 |
| Credit loss provision to net charge-offs | 218.4162% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.7846% | 2,267 |
| Efficiency ratio | 81.0224% | 2,204 |
| Assets per employee ($millions) | 4.7137% | 2,571 |
| Cash dividends to net income (ytd only)* | 1.7209% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,663 |
| Loan loss allowance to noncurrent loans | 68.4857% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 4,609 |
| Noncurrent loans to loans | 1.6941% | 4,096 |
| Net loans and leases to total assets | 68.0450% | 3,202 |
| Net loans and leases to deposits | 97.3661% | 854 |
| Net loans and leases to core deposits | 120.9109% | 581 |
| Total domestic deposits to total assets | 69.8857% | 7,280 |
| Equity capital to assets | 8.0625% | 6,749 |
| Core capital (leverage) ratio | 7.8991% | 6,471 |
| Tier 1 risk-based capital ratio | 12.0297% | 5,432 |
| Total risk-based capital ratio | 13.2811% | 5,401 |
| Memoranda: | ||
| Average total assets | $900,402,000 | 747 |
| Average earning assets | $816,879,250 | 744 |
| Average equity | $72,381,500 | 921 |
| Average total loans | $631,341,000 | 700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 6,507 |
| Cost of funding earning assets | 1.6926% | 2,154 |
| Net interest margin | 2.8910% | 7,019 |
| Noninterest income to average assets | 0.7973% | 2,131 |
| Noninterest expense to average assets | 2.6566% | 5,092 |
| Loan and lease loss provision to assets | 0.2512% | 4,413 |
| Net operating income to assets | 0.3786% | 4,857 |
| Return on assets (ROA) | 0.3789% | 5,017 |
| Pretax return on assets | 0.5228% | 4,836 |
| Return on Equity (ROE) | 4.7182% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.7182% | 3,074 |
| Net charge-offs to loans | 0.1279% | 4,918 |
| Credit loss provision to net charge-offs | 278.3582% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.5721% | 2,122 |
| Efficiency ratio | 77.2986% | 2,848 |
| Assets per employee ($millions) | 4.6095% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,610 |
| Loan loss allowance to noncurrent loans | 65.4179% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 4,535 |
| Noncurrent loans to loans | 1.7876% | 4,016 |
| Net loans and leases to total assets | 68.6696% | 3,203 |
| Net loans and leases to deposits | 105.3370% | 426 |
| Net loans and leases to core deposits | 133.8784% | 368 |
| Total domestic deposits to total assets | 65.1904% | 7,557 |
| Equity capital to assets | 8.0458% | 6,703 |
| Core capital (leverage) ratio | 7.8108% | 6,480 |
| Tier 1 risk-based capital ratio | 10.8579% | 6,394 |
| Total risk-based capital ratio | 12.1080% | 6,381 |
| Memoranda: | ||
| Average total assets | $891,002,670 | 757 |
| Average earning assets | $811,416,000 | 748 |
| Average equity | $71,552,670 | 929 |
| Average total loans | $628,693,670 | 713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 6,504 |
| Cost of funding earning assets | 1.7583% | 2,086 |
| Net interest margin | 2.8614% | 7,083 |
| Noninterest income to average assets | 0.8817% | 1,695 |
| Noninterest expense to average assets | 2.7882% | 4,525 |
| Loan and lease loss provision to assets | 0.1453% | 5,098 |
| Net operating income to assets | 0.3646% | 4,999 |
| Return on assets (ROA) | 0.3646% | 5,123 |
| Pretax return on assets | 0.5683% | 4,725 |
| Return on Equity (ROE) | 4.5443% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.5443% | 3,426 |
| Net charge-offs to loans | 0.1130% | 4,307 |
| Credit loss provision to net charge-offs | 180.6818% | 2,028 |
| Earnings coverage of net charge-offs (x) | 8.8750% | 1,915 |
| Efficiency ratio | 79.4651% | 2,654 |
| Assets per employee ($millions) | 4.5634% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,983 |
| Loan loss allowance to noncurrent loans | 81.4126% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 5,068 |
| Noncurrent loans to loans | 1.3583% | 4,704 |
| Net loans and leases to total assets | 70.5924% | 2,785 |
| Net loans and leases to deposits | 109.5027% | 301 |
| Net loans and leases to core deposits | 133.5878% | 414 |
| Total domestic deposits to total assets | 64.4663% | 7,667 |
| Equity capital to assets | 8.0959% | 6,545 |
| Core capital (leverage) ratio | 7.9489% | 6,312 |
| Tier 1 risk-based capital ratio | 11.0351% | 6,127 |
| Total risk-based capital ratio | 12.2729% | 6,103 |
| Memoranda: | ||
| Average total assets | $875,549,500 | 789 |
| Average earning assets | $801,704,000 | 773 |
| Average equity | $70,241,500 | 952 |
| Average total loans | $622,759,500 | 738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 6,029 |
| Cost of funding earning assets | 2.3298% | 1,538 |
| Net interest margin | 2.7843% | 7,086 |
| Noninterest income to average assets | 0.8439% | 2,209 |
| Noninterest expense to average assets | 2.8267% | 4,852 |
| Loan and lease loss provision to assets | 0.2136% | 5,637 |
| Net operating income to assets | 0.2809% | 4,603 |
| Return on assets (ROA) | 0.6330% | 3,268 |
| Pretax return on assets | 0.7815% | 3,300 |
| Return on Equity (ROE) | 7.9083% | 2,410 |
| Retained earnings to average equity (ytd only) | 7.9083% | 728 |
| Net charge-offs to loans | 0.0857% | 6,262 |
| Credit loss provision to net charge-offs | 353.0888% | 914 |
| Earnings coverage of net charge-offs (x) | 9.2645% | 1,825 |
| Efficiency ratio | 83.2920% | 2,440 |
| Assets per employee ($millions) | 4.5569% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 5,933 |
| Loan loss allowance to noncurrent loans | 59.8251% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3328% | 4,430 |
| Noncurrent loans to loans | 1.8260% | 3,888 |
| Net loans and leases to total assets | 70.0993% | 3,234 |
| Net loans and leases to deposits | 107.5908% | 475 |
| Net loans and leases to core deposits | 145.0897% | 640 |
| Total domestic deposits to total assets | 65.1537% | 7,672 |
| Equity capital to assets | 7.9491% | 6,632 |
| Core capital (leverage) ratio | 7.8083% | 6,442 |
| Tier 1 risk-based capital ratio | 11.0432% | 5,882 |
| Total risk-based capital ratio | 12.2928% | 5,847 |
| Memoranda: | ||
| Average total assets | $856,286,800 | 793 |
| Average earning assets | $782,177,600 | 787 |
| Average equity | $68,536,000 | 958 |
| Average total loans | $604,429,200 | 779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 5,923 |
| Cost of funding earning assets | 2.4193% | 1,564 |
| Net interest margin | 2.7692% | 7,102 |
| Noninterest income to average assets | 0.8806% | 2,055 |
| Noninterest expense to average assets | 2.8805% | 4,534 |
| Loan and lease loss provision to assets | 0.2383% | 5,059 |
| Net operating income to assets | 0.2541% | 4,973 |
| Return on assets (ROA) | 0.2541% | 5,059 |
| Pretax return on assets | 0.2904% | 5,089 |
| Return on Equity (ROE) | 3.1691% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.1691% | 3,541 |
| Net charge-offs to loans | 0.1052% | 5,617 |
| Credit loss provision to net charge-offs | 321.0970% | 1,280 |
| Earnings coverage of net charge-offs (x) | 7.1245% | 2,469 |
| Efficiency ratio | 84.3314% | 2,259 |
| Assets per employee ($millions) | 4.5426% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,973 |
| Loan loss allowance to noncurrent loans | 68.1352% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 4,781 |
| Noncurrent loans to loans | 1.5513% | 4,316 |
| Net loans and leases to total assets | 70.6164% | 3,359 |
| Net loans and leases to deposits | 114.1311% | 321 |
| Net loans and leases to core deposits | 148.1448% | 624 |
| Total domestic deposits to total assets | 61.8730% | 7,824 |
| Equity capital to assets | 8.0737% | 6,775 |
| Core capital (leverage) ratio | 7.4732% | 7,011 |
| Tier 1 risk-based capital ratio | 10.5722% | 6,387 |
| Total risk-based capital ratio | 11.7917% | 6,386 |
| Memoranda: | ||
| Average total assets | $851,627,500 | 810 |
| Average earning assets | $777,623,000 | 805 |
| Average equity | $68,282,750 | 976 |
| Average total loans | $600,514,000 | 800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 5,968 |
| Cost of funding earning assets | 2.4854% | 1,668 |
| Net interest margin | 2.7420% | 7,116 |
| Noninterest income to average assets | 0.8589% | 2,147 |
| Noninterest expense to average assets | 2.8719% | 4,622 |
| Loan and lease loss provision to assets | 0.1578% | 5,492 |
| Net operating income to assets | 0.2902% | 4,938 |
| Return on assets (ROA) | 0.2902% | 5,046 |
| Pretax return on assets | 0.3303% | 5,128 |
| Return on Equity (ROE) | 3.6275% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.6275% | 3,283 |
| Net charge-offs to loans | 0.0810% | 5,397 |
| Credit loss provision to net charge-offs | 277.5934% | 1,685 |
| Earnings coverage of net charge-offs (x) | 8.5851% | 2,235 |
| Efficiency ratio | 85.3121% | 2,322 |
| Assets per employee ($millions) | 4.4706% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 6,454 |
| Loan loss allowance to noncurrent loans | 75.8563% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 5,097 |
| Noncurrent loans to loans | 1.2761% | 4,647 |
| Net loans and leases to total assets | 69.8521% | 3,739 |
| Net loans and leases to deposits | 112.4237% | 462 |
| Net loans and leases to core deposits | 151.1188% | 625 |
| Total domestic deposits to total assets | 62.1329% | 7,887 |
| Equity capital to assets | 7.8673% | 6,896 |
| Core capital (leverage) ratio | 7.5187% | 6,989 |
| Tier 1 risk-based capital ratio | 10.6099% | 6,277 |
| Total risk-based capital ratio | 11.7266% | 6,345 |
| Memoranda: | ||
| Average total assets | $847,803,330 | 829 |
| Average earning assets | $773,316,670 | 829 |
| Average equity | $67,815,670 | 990 |
| Average total loans | $595,351,670 | 836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 5,882 |
| Cost of funding earning assets | 2.5654% | 1,676 |
| Net interest margin | 2.7374% | 7,128 |
| Noninterest income to average assets | 0.8759% | 1,953 |
| Noninterest expense to average assets | 3.0085% | 3,731 |
| Loan and lease loss provision to assets | 0.0347% | 6,507 |
| Net operating income to assets | 0.2851% | 5,352 |
| Return on assets (ROA) | 0.2851% | 5,522 |
| Pretax return on assets | 0.3175% | 5,633 |
| Return on Equity (ROE) | 3.5348% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.5348% | 3,927 |
| Net charge-offs to loans | 0.1481% | 3,778 |
| Credit loss provision to net charge-offs | 33.4862% | 4,907 |
| Earnings coverage of net charge-offs (x) | 3.3945% | 3,190 |
| Efficiency ratio | 89.3484% | 1,773 |
| Assets per employee ($millions) | 4.3101% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 6,776 |
| Loan loss allowance to noncurrent loans | 112.8608% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 5,685 |
| Noncurrent loans to loans | 0.7925% | 5,457 |
| Net loans and leases to total assets | 69.7545% | 3,733 |
| Net loans and leases to deposits | 109.3851% | 650 |
| Net loans and leases to core deposits | 146.6541% | 830 |
| Total domestic deposits to total assets | 63.7697% | 7,855 |
| Equity capital to assets | 8.0885% | 6,688 |
| Core capital (leverage) ratio | 7.6532% | 6,947 |
| Tier 1 risk-based capital ratio | 10.8433% | 6,050 |
| Total risk-based capital ratio | 11.9360% | 6,114 |
| Memoranda: | ||
| Average total assets | $840,295,000 | 839 |
| Average earning assets | $762,780,000 | 838 |
| Average equity | $67,783,000 | 993 |
| Average total loans | $588,733,000 | 846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 5,911 |
| Cost of funding earning assets | 3.2011% | 1,190 |
| Net interest margin | 2.7263% | 7,455 |
| Noninterest income to average assets | 0.8117% | 2,447 |
| Noninterest expense to average assets | 2.7456% | 5,067 |
| Loan and lease loss provision to assets | 0.1047% | 6,038 |
| Net operating income to assets | 0.4277% | 5,040 |
| Return on assets (ROA) | 0.4226% | 4,881 |
| Pretax return on assets | 0.4538% | 5,111 |
| Return on Equity (ROE) | 5.2976% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.2976% | 1,861 |
| Net charge-offs to loans | 0.1076% | 5,208 |
| Credit loss provision to net charge-offs | 133.5484% | 3,978 |
| Earnings coverage of net charge-offs (x) | 7.1952% | 3,164 |
| Efficiency ratio | 82.7807% | 2,209 |
| Assets per employee ($millions) | 4.4223% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,464 |
| Loan loss allowance to noncurrent loans | 133.2439% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 5,585 |
| Noncurrent loans to loans | 0.7034% | 5,274 |
| Net loans and leases to total assets | 69.0843% | 4,235 |
| Net loans and leases to deposits | 117.0967% | 474 |
| Net loans and leases to core deposits | 156.6399% | 653 |
| Total domestic deposits to total assets | 58.9976% | 7,994 |
| Equity capital to assets | 8.0444% | 6,787 |
| Core capital (leverage) ratio | 7.7646% | 6,848 |
| Tier 1 risk-based capital ratio | 11.0492% | 5,680 |
| Total risk-based capital ratio | 12.1015% | 5,768 |
| Memoranda: | ||
| Average total assets | $791,041,200 | 857 |
| Average earning assets | $724,760,200 | 842 |
| Average equity | $63,104,400 | 1,063 |
| Average total loans | $576,059,000 | 830 |