Home > GrandSouth Bank > Performance and Condition Ratios
GrandSouth Bank, Performance and Condition Ratios
| 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 | 5.3603% | 182 |
| Cost of funding earning assets | 0.4337% | 1,831 |
| Net interest margin | 4.9266% | 151 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.7937% | 1,329 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4887% | 904 |
| Return on assets (ROA) | 1.4870% | 874 |
| Pretax return on assets | 1.9512% | 527 |
| Return on Equity (ROE) | 14.4500% | 1,420 |
| Retained earnings to average equity (ytd only) | 14.4485% | 335 |
| Net charge-offs to loans | 0.1157% | 653 |
| Credit loss provision to net charge-offs | 193.2082% | 1,148 |
| Earnings coverage of net charge-offs (x) | 23.4379% | 1,813 |
| Efficiency ratio | 56.7532% | 3,495 |
| Assets per employee ($millions) | 6.2626% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,307.8831% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 2,883 |
| Noncurrent loans to loans | 0.1107% | 2,978 |
| Net loans and leases to total assets | 84.0400% | 249 |
| Net loans and leases to deposits | 95.3803% | 686 |
| Net loans and leases to core deposits | 99.3012% | 1,040 |
| Total domestic deposits to total assets | 88.1200% | 2,029 |
| Equity capital to assets | 11.0535% | 1,236 |
| Core capital (leverage) ratio | 11.5363% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0270% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,231,967,000 | 838 |
| Average earning assets | $1,179,129,000 | 803 |
| Average equity | $126,788,600 | 780 |
| Average total loans | $967,523,000 | 707 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 189 |
| Cost of funding earning assets | 0.3163% | 2,001 |
| Net interest margin | 4.7637% | 155 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.7326% | 1,392 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.4354% | 993 |
| Return on assets (ROA) | 1.4331% | 974 |
| Pretax return on assets | 1.8814% | 612 |
| Return on Equity (ROE) | 14.1800% | 1,377 |
| Retained earnings to average equity (ytd only) | 14.1779% | 441 |
| Net charge-offs to loans | 0.0883% | 690 |
| Credit loss provision to net charge-offs | 235.2848% | 917 |
| Earnings coverage of net charge-offs (x) | 30.1013% | 1,518 |
| Efficiency ratio | 57.2081% | 3,488 |
| Assets per employee ($millions) | 6.4953% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,405 |
| Loan loss allowance to noncurrent loans | 2,008.1267% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 2,804 |
| Noncurrent loans to loans | 0.0730% | 3,355 |
| Net loans and leases to total assets | 78.2100% | 685 |
| Net loans and leases to deposits | 87.8385% | 1,046 |
| Net loans and leases to core deposits | 91.0948% | 1,228 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 10.0802% | 1,577 |
| Core capital (leverage) ratio | 10.7941% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8727% | 2,101 |
| Memoranda: | ||
| Average total assets | $1,240,917,750 | 833 |
| Average earning assets | $1,189,263,250 | 808 |
| Average equity | $125,431,250 | 795 |
| Average total loans | $954,385,250 | 712 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 212 |
| Cost of funding earning assets | 0.2455% | 2,327 |
| Net interest margin | 4.6080% | 166 |
| Noninterest income to average assets | 0.2043% | 3,973 |
| Noninterest expense to average assets | 2.7449% | 1,284 |
| Loan and lease loss provision to assets | 0.0691% | 1,378 |
| Net operating income to assets | 1.3792% | 959 |
| Return on assets (ROA) | 1.3792% | 940 |
| Pretax return on assets | 1.8074% | 588 |
| Return on Equity (ROE) | 13.6317% | 1,206 |
| Retained earnings to average equity (ytd only) | 13.6317% | 401 |
| Net charge-offs to loans | 0.0106% | 1,589 |
| Credit loss provision to net charge-offs | 854.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 232.0600% | 490 |
| Efficiency ratio | 59.3960% | 3,384 |
| Assets per employee ($millions) | 6.3318% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,461 |
| Loan loss allowance to noncurrent loans | 3,841.9619% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,039 |
| Noncurrent loans to loans | 0.0385% | 3,659 |
| Net loans and leases to total assets | 74.8758% | 828 |
| Net loans and leases to deposits | 83.9925% | 1,119 |
| Net loans and leases to core deposits | 87.2176% | 1,259 |
| Total domestic deposits to total assets | 89.1458% | 2,114 |
| Equity capital to assets | 9.9930% | 1,720 |
| Core capital (leverage) ratio | 10.5348% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0005% | 2,059 |
| Memoranda: | ||
| Average total assets | $1,236,693,000 | 828 |
| Average earning assets | $1,185,469,667 | 805 |
| Average equity | $125,120,333 | 802 |
| Average total loans | $940,826,667 | 707 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 199 |
| Cost of funding earning assets | 0.2349% | 2,320 |
| Net interest margin | 4.5753% | 161 |
| Noninterest income to average assets | 0.2036% | 3,944 |
| Noninterest expense to average assets | 2.5944% | 1,626 |
| Loan and lease loss provision to assets | 0.1003% | 834 |
| Net operating income to assets | 1.4538% | 705 |
| Return on assets (ROA) | 1.4538% | 701 |
| Pretax return on assets | 1.8984% | 452 |
| Return on Equity (ROE) | 14.2802% | 779 |
| Retained earnings to average equity (ytd only) | 14.2802% | 350 |
| Net charge-offs to loans | 0.0355% | 944 |
| Credit loss provision to net charge-offs | 371.0843% | 606 |
| Earnings coverage of net charge-offs (x) | 73.9398% | 779 |
| Efficiency ratio | 56.4844% | 3,830 |
| Assets per employee ($millions) | 6.4253% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,578 |
| Loan loss allowance to noncurrent loans | 1,569.0664% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,819 |
| Noncurrent loans to loans | 0.0950% | 3,366 |
| Net loans and leases to total assets | 73.6067% | 690 |
| Net loans and leases to deposits | 82.6254% | 967 |
| Net loans and leases to core deposits | 86.1234% | 1,124 |
| Total domestic deposits to total assets | 89.0848% | 2,041 |
| Equity capital to assets | 9.9616% | 1,924 |
| Core capital (leverage) ratio | 10.5247% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8395% | 2,285 |
| Memoranda: | ||
| Average total assets | $1,228,193,000 | 837 |
| Average earning assets | $1,178,332,500 | 815 |
| Average equity | $125,040,000 | 824 |
| Average total loans | $934,833,500 | 699 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 273 |
| Cost of funding earning assets | 0.3061% | 2,346 |
| Net interest margin | 4.6593% | 216 |
| Noninterest income to average assets | 0.3962% | 3,069 |
| Noninterest expense to average assets | 2.6784% | 1,694 |
| Loan and lease loss provision to assets | 0.1096% | 1,150 |
| Net operating income to assets | 1.5680% | 882 |
| Return on assets (ROA) | 1.5122% | 1,024 |
| Pretax return on assets | 1.9910% | 613 |
| Return on Equity (ROE) | 15.0711% | 940 |
| Retained earnings to average equity (ytd only) | 15.0711% | 219 |
| Net charge-offs to loans | 0.0131% | 2,075 |
| Credit loss provision to net charge-offs | 1,067.2269% | 511 |
| Earnings coverage of net charge-offs (x) | 211.4538% | 517 |
| Efficiency ratio | 55.2284% | 3,793 |
| Assets per employee ($millions) | 6.0475% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,660 |
| Loan loss allowance to noncurrent loans | 692.3814% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 2,386 |
| Noncurrent loans to loans | 0.2123% | 2,895 |
| Net loans and leases to total assets | 76.4261% | 493 |
| Net loans and leases to deposits | 86.2233% | 765 |
| Net loans and leases to core deposits | 90.4412% | 956 |
| Total domestic deposits to total assets | 88.6375% | 1,710 |
| Equity capital to assets | 10.4090% | 2,256 |
| Core capital (leverage) ratio | 10.2113% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4954% | 2,453 |
| Memoranda: | ||
| Average total assets | $1,158,892,400 | 858 |
| Average earning assets | $1,107,720,600 | 830 |
| Average equity | $116,282,000 | 899 |
| Average total loans | $909,525,000 | 719 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 312 |
| Cost of funding earning assets | 0.3236% | 2,366 |
| Net interest margin | 4.6554% | 237 |
| Noninterest income to average assets | 0.2232% | 4,070 |
| Noninterest expense to average assets | 2.6544% | 1,694 |
| Loan and lease loss provision to assets | 0.1214% | 970 |
| Net operating income to assets | 1.4462% | 1,409 |
| Return on assets (ROA) | 1.4462% | 1,469 |
| Pretax return on assets | 1.8927% | 962 |
| Return on Equity (ROE) | 14.5553% | 1,242 |
| Retained earnings to average equity (ytd only) | 14.5553% | 454 |
| Net charge-offs to loans | -0.0167% | 3,893 |
| Credit loss provision to net charge-offs | -924.7788% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8578% | 3,433 |
| Assets per employee ($millions) | 6.1036% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,764 |
| Loan loss allowance to noncurrent loans | 410.7089% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 1,869 |
| Noncurrent loans to loans | 0.3567% | 2,498 |
| Net loans and leases to total assets | 76.7924% | 484 |
| Net loans and leases to deposits | 87.0893% | 760 |
| Net loans and leases to core deposits | 91.7317% | 935 |
| Total domestic deposits to total assets | 88.1766% | 1,731 |
| Equity capital to assets | 9.9839% | 2,919 |
| Core capital (leverage) ratio | 10.0278% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3050% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,147,751,750 | 872 |
| Average earning assets | $1,095,951,000 | 849 |
| Average equity | $114,035,500 | 922 |
| Average total loans | $903,537,000 | 737 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 347 |
| Cost of funding earning assets | 0.3464% | 2,342 |
| Net interest margin | 4.6452% | 291 |
| Noninterest income to average assets | 0.2224% | 4,069 |
| Noninterest expense to average assets | 2.6464% | 1,740 |
| Loan and lease loss provision to assets | 0.0976% | 1,295 |
| Net operating income to assets | 1.4638% | 1,389 |
| Return on assets (ROA) | 1.4638% | 1,447 |
| Pretax return on assets | 1.9137% | 991 |
| Return on Equity (ROE) | 14.7584% | 1,217 |
| Retained earnings to average equity (ytd only) | 14.7584% | 466 |
| Net charge-offs to loans | -0.0453% | 4,329 |
| Credit loss provision to net charge-offs | -272.7723% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8181% | 3,429 |
| Assets per employee ($millions) | 5.8161% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,701 |
| Loan loss allowance to noncurrent loans | 498.5036% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 2,052 |
| Noncurrent loans to loans | 0.2941% | 2,875 |
| Net loans and leases to total assets | 77.0011% | 509 |
| Net loans and leases to deposits | 87.3729% | 820 |
| Net loans and leases to core deposits | 92.7259% | 965 |
| Total domestic deposits to total assets | 88.1292% | 1,758 |
| Equity capital to assets | 9.9962% | 2,851 |
| Core capital (leverage) ratio | 9.9276% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2815% | 2,615 |
| Memoranda: | ||
| Average total assets | $1,129,530,667 | 877 |
| Average earning assets | $1,078,484,000 | 851 |
| Average equity | $112,031,333 | 924 |
| Average total loans | $892,351,667 | 746 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 310 |
| Cost of funding earning assets | 0.3875% | 2,199 |
| Net interest margin | 4.7114% | 266 |
| Noninterest income to average assets | 0.1754% | 4,317 |
| Noninterest expense to average assets | 2.7195% | 1,575 |
| Loan and lease loss provision to assets | 0.0870% | 1,514 |
| Net operating income to assets | 1.4185% | 1,525 |
| Return on assets (ROA) | 1.4185% | 1,599 |
| Pretax return on assets | 1.8622% | 1,172 |
| Return on Equity (ROE) | 14.3611% | 1,361 |
| Retained earnings to average equity (ytd only) | 14.3611% | 714 |
| Net charge-offs to loans | -0.0656% | 4,494 |
| Credit loss provision to net charge-offs | -166.8966% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2506% | 3,268 |
| Assets per employee ($millions) | 5.8261% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,747 |
| Loan loss allowance to noncurrent loans | 486.0840% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 2,217 |
| Noncurrent loans to loans | 0.2997% | 3,023 |
| Net loans and leases to total assets | 77.1537% | 530 |
| Net loans and leases to deposits | 87.5230% | 859 |
| Net loans and leases to core deposits | 93.9577% | 984 |
| Total domestic deposits to total assets | 88.1525% | 1,763 |
| Equity capital to assets | 9.7792% | 2,919 |
| Core capital (leverage) ratio | 9.9082% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2067% | 2,590 |
| Memoranda: | ||
| Average total assets | $1,112,686,500 | 878 |
| Average earning assets | $1,061,160,500 | 856 |
| Average equity | $109,908,000 | 932 |
| Average total loans | $884,019,500 | 747 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 223 |
| Cost of funding earning assets | 0.8128% | 1,157 |
| Net interest margin | 4.5828% | 275 |
| Noninterest income to average assets | 0.1911% | 4,330 |
| Noninterest expense to average assets | 3.0147% | 1,401 |
| Loan and lease loss provision to assets | 0.3118% | 1,196 |
| Net operating income to assets | 0.9326% | 2,550 |
| Return on assets (ROA) | 0.9641% | 2,569 |
| Pretax return on assets | 1.2409% | 2,190 |
| Return on Equity (ROE) | 9.7031% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.7031% | 642 |
| Net charge-offs to loans | 0.0975% | 1,494 |
| Credit loss provision to net charge-offs | 389.9746% | 1,463 |
| Earnings coverage of net charge-offs (x) | 18.9239% | 2,005 |
| Efficiency ratio | 66.5845% | 2,434 |
| Assets per employee ($millions) | 5.4738% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 1,851 |
| Loan loss allowance to noncurrent loans | 408.0493% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 2,184 |
| Noncurrent loans to loans | 0.3507% | 2,941 |
| Net loans and leases to total assets | 79.4993% | 461 |
| Net loans and leases to deposits | 90.2980% | 908 |
| Net loans and leases to core deposits | 98.7811% | 969 |
| Total domestic deposits to total assets | 88.0410% | 1,451 |
| Equity capital to assets | 9.9805% | 3,148 |
| Core capital (leverage) ratio | 10.0501% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9771% | 2,633 |
| Memoranda: | ||
| Average total assets | $985,626,000 | 894 |
| Average earning assets | $932,653,200 | 876 |
| Average equity | $97,927,200 | 975 |
| Average total loans | $808,540,800 | 778 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 253 |
| Cost of funding earning assets | 0.9341% | 952 |
| Net interest margin | 4.5247% | 353 |
| Noninterest income to average assets | 0.1842% | 4,372 |
| Noninterest expense to average assets | 3.0510% | 1,337 |
| Loan and lease loss provision to assets | 0.3525% | 1,073 |
| Net operating income to assets | 0.7946% | 3,112 |
| Return on assets (ROA) | 0.8376% | 3,084 |
| Pretax return on assets | 1.1091% | 2,711 |
| Return on Equity (ROE) | 8.4411% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.4411% | 1,153 |
| Net charge-offs to loans | 0.1409% | 1,033 |
| Credit loss provision to net charge-offs | 303.4689% | 1,748 |
| Earnings coverage of net charge-offs (x) | 12.1148% | 2,264 |
| Efficiency ratio | 68.4378% | 2,121 |
| Assets per employee ($millions) | 5.0823% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,619 |
| Loan loss allowance to noncurrent loans | 512.0889% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 2,416 |
| Noncurrent loans to loans | 0.2788% | 3,293 |
| Net loans and leases to total assets | 81.8267% | 447 |
| Net loans and leases to deposits | 93.3145% | 980 |
| Net loans and leases to core deposits | 103.6643% | 947 |
| Total domestic deposits to total assets | 87.6891% | 1,347 |
| Equity capital to assets | 9.7777% | 3,452 |
| Core capital (leverage) ratio | 9.7610% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6558% | 2,739 |
| Memoranda: | ||
| Average total assets | $959,711,500 | 906 |
| Average earning assets | $906,507,000 | 881 |
| Average equity | $95,230,000 | 990 |
| Average total loans | $791,039,750 | 788 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7184% | 223 |
| Cost of funding earning assets | 1.0826% | 750 |
| Net interest margin | 4.6357% | 392 |
| Noninterest income to average assets | 0.2546% | 3,946 |
| Noninterest expense to average assets | 3.2270% | 1,111 |
| Loan and lease loss provision to assets | 0.3690% | 1,132 |
| Net operating income to assets | 0.7729% | 3,146 |
| Return on assets (ROA) | 0.8386% | 3,021 |
| Pretax return on assets | 1.1032% | 2,698 |
| Return on Equity (ROE) | 8.4076% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.4076% | 1,192 |
| Net charge-offs to loans | 0.1696% | 876 |
| Credit loss provision to net charge-offs | 264.6880% | 1,707 |
| Earnings coverage of net charge-offs (x) | 9.9635% | 2,184 |
| Efficiency ratio | 69.9076% | 1,967 |
| Assets per employee ($millions) | 5.1402% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,494 |
| Loan loss allowance to noncurrent loans | 398.2137% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 2,333 |
| Noncurrent loans to loans | 0.3583% | 3,115 |
| Net loans and leases to total assets | 79.1689% | 700 |
| Net loans and leases to deposits | 90.4750% | 1,313 |
| Net loans and leases to core deposits | 99.7504% | 1,275 |
| Total domestic deposits to total assets | 87.5036% | 1,413 |
| Equity capital to assets | 9.7163% | 3,452 |
| Core capital (leverage) ratio | 9.7988% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0868% | 2,574 |
| Memoranda: | ||
| Average total assets | $942,491,000 | 899 |
| Average earning assets | $886,724,000 | 884 |
| Average equity | $94,010,333 | 995 |
| Average total loans | $774,866,000 | 791 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3598% | 100 |
| Cost of funding earning assets | 1.2919% | 580 |
| Net interest margin | 5.0679% | 170 |
| Noninterest income to average assets | 0.2668% | 3,940 |
| Noninterest expense to average assets | 3.3126% | 1,199 |
| Loan and lease loss provision to assets | 0.4720% | 625 |
| Net operating income to assets | 0.9236% | 2,444 |
| Return on assets (ROA) | 0.9236% | 2,550 |
| Pretax return on assets | 1.2130% | 2,142 |
| Return on Equity (ROE) | 9.1317% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.1317% | 936 |
| Net charge-offs to loans | 0.2163% | 649 |
| Credit loss provision to net charge-offs | 262.2276% | 1,262 |
| Earnings coverage of net charge-offs (x) | 9.3608% | 1,823 |
| Efficiency ratio | 66.2829% | 2,914 |
| Assets per employee ($millions) | 4.8121% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,631 |
| Loan loss allowance to noncurrent loans | 255.3484% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,006 |
| Noncurrent loans to loans | 0.5562% | 2,608 |
| Net loans and leases to total assets | 82.3097% | 411 |
| Net loans and leases to deposits | 94.6040% | 1,028 |
| Net loans and leases to core deposits | 106.0942% | 1,055 |
| Total domestic deposits to total assets | 87.0045% | 1,554 |
| Equity capital to assets | 10.2174% | 3,587 |
| Core capital (leverage) ratio | 10.1743% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5721% | 2,904 |
| Memoranda: | ||
| Average total assets | $917,702,500 | 895 |
| Average earning assets | $856,694,500 | 882 |
| Average equity | $92,819,500 | 1,000 |
| Average total loans | $763,910,000 | 777 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7012% | 85 |
| Cost of funding earning assets | 1.4970% | 398 |
| Net interest margin | 5.2041% | 193 |
| Noninterest income to average assets | 0.2137% | 4,386 |
| Noninterest expense to average assets | 3.3842% | 1,142 |
| Loan and lease loss provision to assets | 0.3244% | 492 |
| Net operating income to assets | 1.0462% | 2,670 |
| Return on assets (ROA) | 1.0474% | 2,763 |
| Pretax return on assets | 1.3738% | 2,252 |
| Return on Equity (ROE) | 10.4961% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.4979% | 591 |
| Net charge-offs to loans | 0.2379% | 862 |
| Credit loss provision to net charge-offs | 165.8478% | 1,567 |
| Earnings coverage of net charge-offs (x) | 8.6753% | 2,743 |
| Efficiency ratio | 66.6067% | 2,677 |
| Assets per employee ($millions) | 4.7973% | 2,839 |
| Cash dividends to net income (ytd only)* | 9.5100% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,673 |
| Loan loss allowance to noncurrent loans | 204.9203% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 1,719 |
| Noncurrent loans to loans | 0.6637% | 2,231 |
| Net loans and leases to total assets | 81.8555% | 573 |
| Net loans and leases to deposits | 91.5490% | 1,422 |
| Net loans and leases to core deposits | 102.5901% | 1,349 |
| Total domestic deposits to total assets | 89.4117% | 522 |
| Equity capital to assets | 10.0099% | 3,908 |
| Core capital (leverage) ratio | 10.0455% | 3,464 |
| Tier 1 risk-based capital ratio | 11.3983% | 4,682 |
| Total risk-based capital ratio | 12.6488% | 4,562 |
| Memoranda: | ||
| Average total assets | $853,371,800 | 926 |
| Average earning assets | $798,116,600 | 908 |
| Average equity | $85,155,400 | 1,032 |
| Average total loans | $701,414,200 | 808 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7513% | 85 |
| Cost of funding earning assets | 1.5148% | 390 |
| Net interest margin | 5.2365% | 187 |
| Noninterest income to average assets | 0.2093% | 4,470 |
| Noninterest expense to average assets | 3.3940% | 1,107 |
| Loan and lease loss provision to assets | 0.3414% | 398 |
| Net operating income to assets | 1.0460% | 2,797 |
| Return on assets (ROA) | 1.0476% | 2,880 |
| Pretax return on assets | 1.3811% | 2,382 |
| Return on Equity (ROE) | 10.5074% | 2,211 |
| Retained earnings to average equity (ytd only) | 10.5074% | 625 |
| Net charge-offs to loans | 0.2429% | 732 |
| Credit loss provision to net charge-offs | 171.4286% | 1,482 |
| Earnings coverage of net charge-offs (x) | 8.6385% | 2,638 |
| Efficiency ratio | 66.3611% | 2,679 |
| Assets per employee ($millions) | 4.8216% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,575 |
| Loan loss allowance to noncurrent loans | 204.7310% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,728 |
| Noncurrent loans to loans | 0.6838% | 2,252 |
| Net loans and leases to total assets | 80.0422% | 841 |
| Net loans and leases to deposits | 89.5786% | 1,750 |
| Net loans and leases to core deposits | 100.9198% | 1,585 |
| Total domestic deposits to total assets | 89.3542% | 493 |
| Equity capital to assets | 10.0738% | 3,941 |
| Core capital (leverage) ratio | 10.0962% | 3,538 |
| Tier 1 risk-based capital ratio | 11.7196% | 4,563 |
| Total risk-based capital ratio | 12.9707% | 4,458 |
| Memoranda: | ||
| Average total assets | $838,843,000 | 939 |
| Average earning assets | $785,747,250 | 921 |
| Average equity | $83,634,500 | 1,045 |
| Average total loans | $687,670,500 | 821 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7393% | 91 |
| Cost of funding earning assets | 1.4849% | 399 |
| Net interest margin | 5.2544% | 179 |
| Noninterest income to average assets | 0.1651% | 4,762 |
| Noninterest expense to average assets | 3.3262% | 1,235 |
| Loan and lease loss provision to assets | 0.3253% | 409 |
| Net operating income to assets | 1.1019% | 2,516 |
| Return on assets (ROA) | 1.1044% | 2,578 |
| Pretax return on assets | 1.4527% | 2,018 |
| Return on Equity (ROE) | 11.1182% | 1,932 |
| Retained earnings to average equity (ytd only) | 11.1182% | 531 |
| Net charge-offs to loans | 0.2509% | 668 |
| Credit loss provision to net charge-offs | 157.5972% | 1,437 |
| Earnings coverage of net charge-offs (x) | 8.5995% | 2,400 |
| Efficiency ratio | 65.2068% | 2,944 |
| Assets per employee ($millions) | 4.6188% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,610 |
| Loan loss allowance to noncurrent loans | 213.0559% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 1,668 |
| Noncurrent loans to loans | 0.6571% | 2,312 |
| Net loans and leases to total assets | 78.9024% | 1,056 |
| Net loans and leases to deposits | 88.3650% | 1,959 |
| Net loans and leases to core deposits | 100.0819% | 1,718 |
| Total domestic deposits to total assets | 89.2914% | 541 |
| Equity capital to assets | 10.0925% | 3,894 |
| Core capital (leverage) ratio | 10.0982% | 3,500 |
| Tier 1 risk-based capital ratio | 11.9962% | 4,420 |
| Total risk-based capital ratio | 13.2475% | 4,309 |
| Memoranda: | ||
| Average total assets | $822,730,000 | 951 |
| Average earning assets | $772,872,670 | 933 |
| Average equity | $81,721,670 | 1,057 |
| Average total loans | $676,826,330 | 833 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8442% | 80 |
| Cost of funding earning assets | 1.4260% | 417 |
| Net interest margin | 5.4182% | 145 |
| Noninterest income to average assets | 0.1620% | 4,768 |
| Noninterest expense to average assets | 3.3781% | 1,145 |
| Loan and lease loss provision to assets | 0.3490% | 342 |
| Net operating income to assets | 1.1483% | 2,280 |
| Return on assets (ROA) | 1.1483% | 2,327 |
| Pretax return on assets | 1.5103% | 1,727 |
| Return on Equity (ROE) | 11.6612% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.6612% | 680 |
| Net charge-offs to loans | 0.2527% | 575 |
| Credit loss provision to net charge-offs | 165.4846% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.8156% | 2,066 |
| Efficiency ratio | 64.4992% | 3,162 |
| Assets per employee ($millions) | 4.5781% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,675 |
| Loan loss allowance to noncurrent loans | 263.5756% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 1,643 |
| Noncurrent loans to loans | 0.5312% | 2,722 |
| Net loans and leases to total assets | 80.4406% | 788 |
| Net loans and leases to deposits | 91.1635% | 1,493 |
| Net loans and leases to core deposits | 102.3743% | 1,429 |
| Total domestic deposits to total assets | 88.2377% | 1,220 |
| Equity capital to assets | 10.2085% | 3,612 |
| Core capital (leverage) ratio | 10.5722% | 2,969 |
| Tier 1 risk-based capital ratio | 12.1204% | 4,399 |
| Total risk-based capital ratio | 13.3718% | 4,278 |
| Memoranda: | ||
| Average total assets | $802,235,500 | 968 |
| Average earning assets | $751,465,000 | 958 |
| Average equity | $78,997,000 | 1,087 |
| Average total loans | $669,653,500 | 842 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6704% | 75 |
| Cost of funding earning assets | 1.2317% | 299 |
| Net interest margin | 5.4388% | 122 |
| Noninterest income to average assets | 0.1254% | 5,054 |
| Noninterest expense to average assets | 3.6247% | 841 |
| Loan and lease loss provision to assets | 0.3655% | 404 |
| Net operating income to assets | 0.9321% | 3,319 |
| Return on assets (ROA) | 0.9321% | 3,311 |
| Pretax return on assets | 1.2121% | 2,839 |
| Return on Equity (ROE) | 10.6382% | 2,228 |
| Retained earnings to average equity (ytd only) | 10.6382% | 499 |
| Net charge-offs to loans | 0.1414% | 1,342 |
| Credit loss provision to net charge-offs | 306.7599% | 1,014 |
| Earnings coverage of net charge-offs (x) | 13.2389% | 2,479 |
| Efficiency ratio | 69.6746% | 2,246 |
| Assets per employee ($millions) | 4.3586% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,699 |
| Loan loss allowance to noncurrent loans | 196.1153% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 1,279 |
| Noncurrent loans to loans | 0.7063% | 2,223 |
| Net loans and leases to total assets | 84.3084% | 390 |
| Net loans and leases to deposits | 95.5999% | 1,110 |
| Net loans and leases to core deposits | 107.7294% | 1,137 |
| Total domestic deposits to total assets | 88.1888% | 1,215 |
| Equity capital to assets | 9.4611% | 4,161 |
| Core capital (leverage) ratio | 9.6217% | 3,983 |
| Tier 1 risk-based capital ratio | 11.0841% | 4,934 |
| Total risk-based capital ratio | 12.3359% | 4,825 |
| Memoranda: | ||
| Average total assets | $720,013,400 | 1,034 |
| Average earning assets | $672,099,400 | 1,024 |
| Average equity | $63,084,000 | 1,266 |
| Average total loans | $606,897,400 | 885 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6126% | 76 |
| Cost of funding earning assets | 1.1847% | 276 |
| Net interest margin | 5.4278% | 122 |
| Noninterest income to average assets | 0.1040% | 5,199 |
| Noninterest expense to average assets | 3.6564% | 794 |
| Loan and lease loss provision to assets | 0.3433% | 397 |
| Net operating income to assets | 0.8970% | 3,541 |
| Return on assets (ROA) | 0.8970% | 3,550 |
| Pretax return on assets | 1.1619% | 3,152 |
| Return on Equity (ROE) | 10.4673% | 2,404 |
| Retained earnings to average equity (ytd only) | 10.4673% | 776 |
| Net charge-offs to loans | 0.0828% | 1,694 |
| Credit loss provision to net charge-offs | 494.0217% | 718 |
| Earnings coverage of net charge-offs (x) | 21.6605% | 1,910 |
| Efficiency ratio | 70.8385% | 2,068 |
| Assets per employee ($millions) | 4.2497% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,699 |
| Loan loss allowance to noncurrent loans | 146.0297% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 1,149 |
| Noncurrent loans to loans | 0.9587% | 1,775 |
| Net loans and leases to total assets | 84.4247% | 407 |
| Net loans and leases to deposits | 95.0778% | 1,262 |
| Net loans and leases to core deposits | 107.6010% | 1,192 |
| Total domestic deposits to total assets | 88.7954% | 913 |
| Equity capital to assets | 8.4740% | 4,941 |
| Core capital (leverage) ratio | 8.6466% | 5,005 |
| Tier 1 risk-based capital ratio | 9.8494% | 5,406 |
| Total risk-based capital ratio | 11.1012% | 5,364 |
| Memoranda: | ||
| Average total assets | $706,059,000 | 1,052 |
| Average earning assets | $657,900,250 | 1,044 |
| Average equity | $60,504,500 | 1,311 |
| Average total loans | $592,802,000 | 901 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5243% | 78 |
| Cost of funding earning assets | 1.1131% | 276 |
| Net interest margin | 5.4113% | 122 |
| Noninterest income to average assets | 0.1338% | 5,141 |
| Noninterest expense to average assets | 3.6657% | 803 |
| Loan and lease loss provision to assets | 0.2852% | 494 |
| Net operating income to assets | 0.9282% | 3,330 |
| Return on assets (ROA) | 0.9282% | 3,332 |
| Pretax return on assets | 1.2367% | 2,781 |
| Return on Equity (ROE) | 10.7885% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.7885% | 714 |
| Net charge-offs to loans | -0.0217% | 4,600 |
| Credit loss provision to net charge-offs | -1,573.0159% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6630% | 2,220 |
| Assets per employee ($millions) | 4.2825% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,751 |
| Loan loss allowance to noncurrent loans | 113.9551% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 937 |
| Noncurrent loans to loans | 1.2271% | 1,411 |
| Net loans and leases to total assets | 82.0190% | 710 |
| Net loans and leases to deposits | 91.0939% | 1,693 |
| Net loans and leases to core deposits | 103.3194% | 1,451 |
| Total domestic deposits to total assets | 90.0379% | 557 |
| Equity capital to assets | 8.4220% | 4,999 |
| Core capital (leverage) ratio | 8.5401% | 5,080 |
| Tier 1 risk-based capital ratio | 10.1635% | 5,384 |
| Total risk-based capital ratio | 11.4154% | 5,315 |
| Memoranda: | ||
| Average total assets | $694,929,670 | 1,067 |
| Average earning assets | $649,015,670 | 1,054 |
| Average equity | $59,785,670 | 1,330 |
| Average total loans | $579,356,000 | 928 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5832% | 76 |
| Cost of funding earning assets | 1.0322% | 321 |
| Net interest margin | 5.5510% | 100 |
| Noninterest income to average assets | 0.2022% | 4,816 |
| Noninterest expense to average assets | 3.7442% | 715 |
| Loan and lease loss provision to assets | 0.4741% | 225 |
| Net operating income to assets | 0.8691% | 3,420 |
| Return on assets (ROA) | 0.8691% | 3,435 |
| Pretax return on assets | 1.1622% | 2,923 |
| Return on Equity (ROE) | 9.9896% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.9896% | 1,161 |
| Net charge-offs to loans | 0.2698% | 578 |
| Credit loss provision to net charge-offs | 210.4712% | 1,017 |
| Earnings coverage of net charge-offs (x) | 7.2644% | 2,104 |
| Efficiency ratio | 69.5890% | 2,555 |
| Assets per employee ($millions) | 4.0891% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 2,026 |
| Loan loss allowance to noncurrent loans | 101.3582% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 681 |
| Noncurrent loans to loans | 1.3304% | 1,339 |
| Net loans and leases to total assets | 81.5070% | 726 |
| Net loans and leases to deposits | 90.6473% | 1,609 |
| Net loans and leases to core deposits | 103.4721% | 1,417 |
| Total domestic deposits to total assets | 89.9167% | 695 |
| Equity capital to assets | 8.4790% | 4,990 |
| Core capital (leverage) ratio | 8.8558% | 4,848 |
| Tier 1 risk-based capital ratio | 10.1997% | 5,446 |
| Total risk-based capital ratio | 11.4509% | 5,372 |
| Memoranda: | ||
| Average total assets | $678,385,500 | 1,093 |
| Average earning assets | $632,821,500 | 1,085 |
| Average equity | $59,021,500 | 1,351 |
| Average total loans | $566,243,500 | 948 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7675% | 63 |
| Cost of funding earning assets | 0.8518% | 480 |
| Net interest margin | 5.9157% | 73 |
| Noninterest income to average assets | 0.1139% | 5,357 |
| Noninterest expense to average assets | 4.0581% | 492 |
| Loan and lease loss provision to assets | 1.0303% | 94 |
| Net operating income to assets | 0.1663% | 5,166 |
| Return on assets (ROA) | 0.1673% | 5,176 |
| Pretax return on assets | 0.5210% | 4,897 |
| Return on Equity (ROE) | 1.7056% | 5,112 |
| Retained earnings to average equity (ytd only) | 0.6502% | 4,779 |
| Net charge-offs to loans | 0.7978% | 253 |
| Credit loss provision to net charge-offs | 158.8573% | 1,684 |
| Earnings coverage of net charge-offs (x) | 2.3893% | 3,749 |
| Efficiency ratio | 72.3666% | 2,168 |
| Assets per employee ($millions) | 3.7555% | 4,350 |
| Cash dividends to net income (ytd only)* | 61.8807% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,001 |
| Loan loss allowance to noncurrent loans | 143.6543% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5432% | 869 |
| Noncurrent loans to loans | 0.9360% | 1,906 |
| Net loans and leases to total assets | 83.2475% | 520 |
| Net loans and leases to deposits | 95.0545% | 1,173 |
| Net loans and leases to core deposits | 105.5497% | 1,291 |
| Total domestic deposits to total assets | 87.5787% | 1,717 |
| Equity capital to assets | 8.9384% | 4,780 |
| Core capital (leverage) ratio | 9.1150% | 4,504 |
| Tier 1 risk-based capital ratio | 10.4383% | 5,390 |
| Total risk-based capital ratio | 11.6893% | 5,302 |
| Memoranda: | ||
| Average total assets | $590,992,800 | 1,212 |
| Average earning assets | $548,842,000 | 1,209 |
| Average equity | $57,985,200 | 1,357 |
| Average total loans | $480,435,200 | 1,068 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8123% | 60 |
| Cost of funding earning assets | 0.8073% | 554 |
| Net interest margin | 6.0050% | 71 |
| Noninterest income to average assets | 0.1462% | 5,277 |
| Noninterest expense to average assets | 4.0786% | 476 |
| Loan and lease loss provision to assets | 1.1943% | 82 |
| Net operating income to assets | 0.2669% | 5,275 |
| Return on assets (ROA) | 0.2683% | 5,286 |
| Pretax return on assets | 0.4500% | 5,115 |
| Return on Equity (ROE) | 2.6675% | 5,185 |
| Retained earnings to average equity (ytd only) | 0.1336% | 5,181 |
| Net charge-offs to loans | 0.9996% | 173 |
| Credit loss provision to net charge-offs | 148.5731% | 1,704 |
| Earnings coverage of net charge-offs (x) | 2.0427% | 3,512 |
| Efficiency ratio | 71.2966% | 2,326 |
| Assets per employee ($millions) | 3.7602% | 4,352 |
| Cash dividends to net income (ytd only)* | 94.9915% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 2,131 |
| Loan loss allowance to noncurrent loans | 73.1168% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.4340% | 462 |
| Noncurrent loans to loans | 1.8433% | 955 |
| Net loans and leases to total assets | 80.2464% | 950 |
| Net loans and leases to deposits | 90.1329% | 1,793 |
| Net loans and leases to core deposits | 100.7314% | 1,645 |
| Total domestic deposits to total assets | 89.0312% | 871 |
| Equity capital to assets | 9.3188% | 4,634 |
| Core capital (leverage) ratio | 9.3698% | 4,326 |
| Tier 1 risk-based capital ratio | 11.5343% | 4,942 |
| Total risk-based capital ratio | 12.7859% | 4,830 |
| Memoranda: | ||
| Average total assets | $575,378,750 | 1,250 |
| Average earning assets | $534,117,250 | 1,246 |
| Average equity | $57,879,500 | 1,370 |
| Average total loans | $462,695,500 | 1,106 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8480% | 63 |
| Cost of funding earning assets | 0.7320% | 755 |
| Net interest margin | 6.1160% | 66 |
| Noninterest income to average assets | 0.1885% | 5,107 |
| Noninterest expense to average assets | 4.1137% | 459 |
| Loan and lease loss provision to assets | 1.3615% | 73 |
| Net operating income to assets | 0.2317% | 5,347 |
| Return on assets (ROA) | 0.2339% | 5,365 |
| Pretax return on assets | 0.3953% | 5,180 |
| Return on Equity (ROE) | 2.2636% | 5,291 |
| Retained earnings to average equity (ytd only) | -1.5437% | 5,299 |
| Net charge-offs to loans | 1.1472% | 171 |
| Credit loss provision to net charge-offs | 148.2087% | 1,538 |
| Earnings coverage of net charge-offs (x) | 1.9085% | 3,234 |
| Efficiency ratio | 70.1177% | 2,654 |
| Assets per employee ($millions) | 3.4668% | 4,772 |
| Cash dividends to net income (ytd only)* | 168.1957% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,164 |
| Loan loss allowance to noncurrent loans | 64.5278% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.5665% | 411 |
| Noncurrent loans to loans | 2.0944% | 789 |
| Net loans and leases to total assets | 77.3954% | 1,332 |
| Net loans and leases to deposits | 89.6994% | 1,775 |
| Net loans and leases to core deposits | 101.1215% | 1,576 |
| Total domestic deposits to total assets | 86.2831% | 2,250 |
| Equity capital to assets | 9.5548% | 4,356 |
| Core capital (leverage) ratio | 10.0993% | 3,406 |
| Tier 1 risk-based capital ratio | 12.2512% | 4,459 |
| Total risk-based capital ratio | 13.5023% | 4,346 |
| Memoranda: | ||
| Average total assets | $559,108,330 | 1,288 |
| Average earning assets | $519,100,000 | 1,281 |
| Average equity | $57,783,670 | 1,371 |
| Average total loans | $447,683,000 | 1,139 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1499% | 56 |
| Cost of funding earning assets | 0.6549% | 1,053 |
| Net interest margin | 6.4951% | 50 |
| Noninterest income to average assets | 0.1817% | 5,182 |
| Noninterest expense to average assets | 4.0190% | 528 |
| Loan and lease loss provision to assets | 2.0259% | 36 |
| Net operating income to assets | 0.1039% | 5,509 |
| Return on assets (ROA) | 0.1073% | 5,509 |
| Pretax return on assets | 0.1922% | 5,441 |
| Return on Equity (ROE) | 0.9956% | 5,495 |
| Retained earnings to average equity (ytd only) | -2.4612% | 5,218 |
| Net charge-offs to loans | 1.6427% | 95 |
| Credit loss provision to net charge-offs | 152.2956% | 1,201 |
| Earnings coverage of net charge-offs (x) | 1.6635% | 2,702 |
| Efficiency ratio | 64.4915% | 3,759 |
| Assets per employee ($millions) | 3.3677% | 4,969 |
| Cash dividends to net income (ytd only)* | 347.2222% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,301 |
| Loan loss allowance to noncurrent loans | 75.7459% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.4211% | 489 |
| Noncurrent loans to loans | 1.7836% | 1,056 |
| Net loans and leases to total assets | 79.5830% | 889 |
| Net loans and leases to deposits | 93.3955% | 1,174 |
| Net loans and leases to core deposits | 104.3989% | 1,202 |
| Total domestic deposits to total assets | 85.2107% | 2,998 |
| Equity capital to assets | 10.3190% | 3,388 |
| Core capital (leverage) ratio | 11.0163% | 2,350 |
| Tier 1 risk-based capital ratio | 12.8818% | 4,153 |
| Total risk-based capital ratio | 14.1333% | 4,052 |
| Memoranda: | ||
| Average total assets | $537,049,500 | 1,329 |
| Average earning assets | $500,256,000 | 1,315 |
| Average equity | $57,857,000 | 1,356 |
| Average total loans | $434,892,000 | 1,171 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9534% | 60 |
| Cost of funding earning assets | 0.5363% | 1,816 |
| Net interest margin | 6.4171% | 54 |
| Noninterest income to average assets | 0.2617% | 4,861 |
| Noninterest expense to average assets | 4.3872% | 416 |
| Loan and lease loss provision to assets | 0.7054% | 170 |
| Net operating income to assets | 0.7137% | 3,720 |
| Return on assets (ROA) | 0.7302% | 3,755 |
| Pretax return on assets | 1.1570% | 2,864 |
| Return on Equity (ROE) | 6.0177% | 3,973 |
| Retained earnings to average equity (ytd only) | 0.6829% | 5,053 |
| Net charge-offs to loans | 0.6414% | 348 |
| Credit loss provision to net charge-offs | 134.8041% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.5097% | 3,652 |
| Efficiency ratio | 70.4910% | 2,828 |
| Assets per employee ($millions) | 3.3230% | 5,015 |
| Cash dividends to net income (ytd only)* | 88.6525% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,928 |
| Loan loss allowance to noncurrent loans | 68.2095% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 507 |
| Noncurrent loans to loans | 1.8057% | 1,049 |
| Net loans and leases to total assets | 80.3078% | 850 |
| Net loans and leases to deposits | 95.7218% | 1,025 |
| Net loans and leases to core deposits | 106.8570% | 1,077 |
| Total domestic deposits to total assets | 83.8971% | 3,460 |
| Equity capital to assets | 11.2660% | 2,354 |
| Core capital (leverage) ratio | 11.5561% | 1,889 |
| Tier 1 risk-based capital ratio | 13.7482% | 3,613 |
| Total risk-based capital ratio | 14.9818% | 3,531 |
| Memoranda: | ||
| Average total assets | $463,420,400 | 1,472 |
| Average earning assets | $430,550,000 | 1,471 |
| Average equity | $56,234,200 | 1,368 |
| Average total loans | $378,093,000 | 1,255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9449% | 60 |
| Cost of funding earning assets | 0.5169% | 1,960 |
| Net interest margin | 6.4280% | 54 |
| Noninterest income to average assets | 0.2770% | 4,788 |
| Noninterest expense to average assets | 4.3144% | 438 |
| Loan and lease loss provision to assets | 0.5668% | 204 |
| Net operating income to assets | 0.8675% | 3,059 |
| Return on assets (ROA) | 0.8686% | 3,176 |
| Pretax return on assets | 1.3676% | 2,167 |
| Return on Equity (ROE) | 7.0147% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.1309% | 4,039 |
| Net charge-offs to loans | 0.6588% | 302 |
| Credit loss provision to net charge-offs | 105.3355% | 2,278 |
| Earnings coverage of net charge-offs (x) | 3.5919% | 3,388 |
| Efficiency ratio | 69.0639% | 3,032 |
| Assets per employee ($millions) | 3.1894% | 5,196 |
| Cash dividends to net income (ytd only)* | 55.3661% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,559 |
| Loan loss allowance to noncurrent loans | 55.9331% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.6290% | 504 |
| Noncurrent loans to loans | 2.0500% | 949 |
| Net loans and leases to total assets | 78.9798% | 1,043 |
| Net loans and leases to deposits | 93.7943% | 1,274 |
| Net loans and leases to core deposits | 105.3083% | 1,252 |
| Total domestic deposits to total assets | 84.2054% | 3,142 |
| Equity capital to assets | 12.2475% | 1,941 |
| Core capital (leverage) ratio | 12.3973% | 1,443 |
| Tier 1 risk-based capital ratio | 14.9565% | 3,075 |
| Total risk-based capital ratio | 16.0946% | 3,061 |
| Memoranda: | ||
| Average total assets | $450,510,250 | 1,508 |
| Average earning assets | $418,406,250 | 1,505 |
| Average equity | $55,786,000 | 1,386 |
| Average total loans | $367,918,250 | 1,279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0986% | 53 |
| Cost of funding earning assets | 0.5119% | 2,010 |
| Net interest margin | 6.5866% | 48 |
| Noninterest income to average assets | 0.2835% | 4,756 |
| Noninterest expense to average assets | 3.9182% | 663 |
| Loan and lease loss provision to assets | 0.5112% | 254 |
| Net operating income to assets | 1.2556% | 1,402 |
| Return on assets (ROA) | 1.2573% | 1,517 |
| Pretax return on assets | 1.9662% | 609 |
| Return on Equity (ROE) | 10.1132% | 2,000 |
| Retained earnings to average equity (ytd only) | 4.6308% | 2,957 |
| Net charge-offs to loans | 0.6034% | 347 |
| Credit loss provision to net charge-offs | 102.9277% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.9826% | 2,906 |
| Efficiency ratio | 61.2908% | 4,464 |
| Assets per employee ($millions) | 3.6408% | 4,529 |
| Cash dividends to net income (ytd only)* | 54.2103% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 3,363 |
| Loan loss allowance to noncurrent loans | 63.8836% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 541 |
| Noncurrent loans to loans | 1.8786% | 1,082 |
| Net loans and leases to total assets | 77.9929% | 1,210 |
| Net loans and leases to deposits | 94.9495% | 1,193 |
| Net loans and leases to core deposits | 106.8944% | 1,110 |
| Total domestic deposits to total assets | 82.1414% | 3,962 |
| Equity capital to assets | 12.8622% | 1,579 |
| Core capital (leverage) ratio | 13.1852% | 1,091 |
| Tier 1 risk-based capital ratio | 16.0051% | 2,640 |
| Total risk-based capital ratio | 17.2056% | 2,601 |
| Memoranda: | ||
| Average total assets | $440,149,000 | 1,541 |
| Average earning assets | $408,252,000 | 1,535 |
| Average equity | $54,720,330 | 1,413 |
| Average total loans | $362,299,670 | 1,295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4296% | 50 |
| Cost of funding earning assets | 0.5417% | 1,777 |
| Net interest margin | 6.8879% | 41 |
| Noninterest income to average assets | 0.1467% | 5,606 |
| Noninterest expense to average assets | 3.7238% | 869 |
| Loan and lease loss provision to assets | 0.5849% | 192 |
| Net operating income to assets | 1.4418% | 957 |
| Return on assets (ROA) | 1.4418% | 1,002 |
| Pretax return on assets | 2.2365% | 357 |
| Return on Equity (ROE) | 11.8147% | 1,368 |
| Retained earnings to average equity (ytd only) | 0.4032% | 5,018 |
| Net charge-offs to loans | 0.6910% | 312 |
| Credit loss provision to net charge-offs | 100.6390% | 1,607 |
| Earnings coverage of net charge-offs (x) | 4.8546% | 2,386 |
| Efficiency ratio | 56.8936% | 5,106 |
| Assets per employee ($millions) | 3.4856% | 4,834 |
| Cash dividends to net income (ytd only)* | 96.5873% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 3,392 |
| Loan loss allowance to noncurrent loans | 65.9490% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 2.6186% | 548 |
| Noncurrent loans to loans | 1.8426% | 1,201 |
| Net loans and leases to total assets | 80.5834% | 733 |
| Net loans and leases to deposits | 93.5887% | 1,182 |
| Net loans and leases to core deposits | 101.2907% | 1,385 |
| Total domestic deposits to total assets | 86.1037% | 2,633 |
| Equity capital to assets | 13.2546% | 1,291 |
| Core capital (leverage) ratio | 12.9370% | 1,183 |
| Tier 1 risk-based capital ratio | 16.1552% | 2,605 |
| Total risk-based capital ratio | 17.3853% | 2,570 |
| Memoranda: | ||
| Average total assets | $430,854,500 | 1,578 |
| Average earning assets | $400,235,500 | 1,568 |
| Average equity | $52,578,500 | 1,464 |
| Average total loans | $362,385,000 | 1,292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2462% | 52 |
| Cost of funding earning assets | 0.4988% | 2,168 |
| Net interest margin | 6.7474% | 50 |
| Noninterest income to average assets | 0.1060% | 5,857 |
| Noninterest expense to average assets | 3.6470% | 1,045 |
| Loan and lease loss provision to assets | 0.2705% | 681 |
| Net operating income to assets | 1.5185% | 831 |
| Return on assets (ROA) | 1.5222% | 860 |
| Pretax return on assets | 2.3569% | 271 |
| Return on Equity (ROE) | 13.1107% | 1,031 |
| Retained earnings to average equity (ytd only) | 1.1457% | 5,056 |
| Net charge-offs to loans | 0.4753% | 571 |
| Credit loss provision to net charge-offs | 68.8360% | 3,142 |
| Earnings coverage of net charge-offs (x) | 6.6727% | 3,187 |
| Efficiency ratio | 58.1778% | 5,119 |
| Assets per employee ($millions) | 3.7044% | 4,469 |
| Cash dividends to net income (ytd only)* | 91.2615% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 3,659 |
| Loan loss allowance to noncurrent loans | 53.6091% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 3.1276% | 411 |
| Noncurrent loans to loans | 2.1792% | 923 |
| Net loans and leases to total assets | 85.6870% | 254 |
| Net loans and leases to deposits | 103.0480% | 485 |
| Net loans and leases to core deposits | 111.9825% | 774 |
| Total domestic deposits to total assets | 83.1525% | 3,793 |
| Equity capital to assets | 11.1281% | 2,704 |
| Core capital (leverage) ratio | 10.9009% | 2,492 |
| Tier 1 risk-based capital ratio | 12.5187% | 4,623 |
| Total risk-based capital ratio | 13.6824% | 4,572 |
| Memoranda: | ||
| Average total assets | $406,720,200 | 1,625 |
| Average earning assets | $371,475,600 | 1,637 |
| Average equity | $47,221,000 | 1,565 |
| Average total loans | $336,176,400 | 1,330 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2671% | 54 |
| Cost of funding earning assets | 0.4946% | 2,266 |
| Net interest margin | 6.7725% | 49 |
| Noninterest income to average assets | 0.1108% | 5,912 |
| Noninterest expense to average assets | 3.5501% | 1,202 |
| Loan and lease loss provision to assets | 0.1294% | 1,750 |
| Net operating income to assets | 1.6363% | 710 |
| Return on assets (ROA) | 1.6412% | 725 |
| Pretax return on assets | 2.5993% | 209 |
| Return on Equity (ROE) | 13.9818% | 911 |
| Retained earnings to average equity (ytd only) | 1.2634% | 5,214 |
| Net charge-offs to loans | 0.4152% | 615 |
| Credit loss provision to net charge-offs | 38.1978% | 3,183 |
| Earnings coverage of net charge-offs (x) | 8.0333% | 2,850 |
| Efficiency ratio | 56.6101% | 5,269 |
| Assets per employee ($millions) | 3.7835% | 4,298 |
| Cash dividends to net income (ytd only)* | 90.9642% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 3,701 |
| Loan loss allowance to noncurrent loans | 48.4982% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.5275% | 365 |
| Noncurrent loans to loans | 2.4580% | 832 |
| Net loans and leases to total assets | 81.8000% | 598 |
| Net loans and leases to deposits | 98.4873% | 777 |
| Net loans and leases to core deposits | 105.6583% | 1,128 |
| Total domestic deposits to total assets | 83.0564% | 3,800 |
| Equity capital to assets | 11.1313% | 2,875 |
| Core capital (leverage) ratio | 11.1828% | 2,320 |
| Tier 1 risk-based capital ratio | 13.1985% | 4,320 |
| Total risk-based capital ratio | 14.3959% | 4,271 |
| Memoranda: | ||
| Average total assets | $401,897,750 | 1,655 |
| Average earning assets | $365,567,000 | 1,669 |
| Average equity | $47,174,500 | 1,576 |
| Average total loans | $327,883,000 | 1,368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2276% | 54 |
| Cost of funding earning assets | 0.4825% | 2,406 |
| Net interest margin | 6.7451% | 50 |
| Noninterest income to average assets | 0.1465% | 5,829 |
| Noninterest expense to average assets | 3.4642% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7831% | 534 |
| Return on assets (ROA) | 1.7840% | 560 |
| Pretax return on assets | 2.8408% | 153 |
| Return on Equity (ROE) | 14.9227% | 745 |
| Retained earnings to average equity (ytd only) | 3.0524% | 4,100 |
| Net charge-offs to loans | 0.3541% | 742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.8801% | 2,412 |
| Efficiency ratio | 54.9570% | 5,512 |
| Assets per employee ($millions) | 3.7376% | 4,347 |
| Cash dividends to net income (ytd only)* | 79.5455% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,393 |
| Loan loss allowance to noncurrent loans | 52.9163% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 3.5880% | 393 |
| Noncurrent loans to loans | 2.4012% | 951 |
| Net loans and leases to total assets | 81.7347% | 580 |
| Net loans and leases to deposits | 97.9053% | 802 |
| Net loans and leases to core deposits | 104.8422% | 1,137 |
| Total domestic deposits to total assets | 83.4835% | 3,764 |
| Equity capital to assets | 11.7451% | 2,210 |
| Core capital (leverage) ratio | 11.6584% | 1,877 |
| Tier 1 risk-based capital ratio | 14.0554% | 3,893 |
| Total risk-based capital ratio | 15.3058% | 3,834 |
| Memoranda: | ||
| Average total assets | $394,613,000 | 1,695 |
| Average earning assets | $360,204,670 | 1,703 |
| Average equity | $47,176,330 | 1,586 |
| Average total loans | $320,240,330 | 1,401 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1708% | 52 |
| Cost of funding earning assets | 0.4635% | 2,641 |
| Net interest margin | 6.7073% | 49 |
| Noninterest income to average assets | 0.1477% | 5,853 |
| Noninterest expense to average assets | 3.3315% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8662% | 429 |
| Return on assets (ROA) | 1.8662% | 456 |
| Pretax return on assets | 2.9737% | 134 |
| Return on Equity (ROE) | 15.4698% | 636 |
| Retained earnings to average equity (ytd only) | 4.4199% | 3,375 |
| Net charge-offs to loans | 0.2924% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.6638% | 1,781 |
| Efficiency ratio | 52.8379% | 5,759 |
| Assets per employee ($millions) | 3.9327% | 4,097 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 2,737 |
| Loan loss allowance to noncurrent loans | 55.6041% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 3.7695% | 415 |
| Noncurrent loans to loans | 2.5901% | 923 |
| Net loans and leases to total assets | 78.2041% | 893 |
| Net loans and leases to deposits | 93.7214% | 1,011 |
| Net loans and leases to core deposits | 100.3776% | 1,295 |
| Total domestic deposits to total assets | 83.4431% | 4,030 |
| Equity capital to assets | 11.8036% | 2,194 |
| Core capital (leverage) ratio | 11.9247% | 1,683 |
| Tier 1 risk-based capital ratio | 14.6974% | 3,610 |
| Total risk-based capital ratio | 15.9500% | 3,530 |
| Memoranda: | ||
| Average total assets | $390,091,500 | 1,712 |
| Average earning assets | $358,119,000 | 1,711 |
| Average equity | $47,059,500 | 1,591 |
| Average total loans | $313,274,000 | 1,427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8302% | 75 |
| Cost of funding earning assets | 0.5390% | 2,298 |
| Net interest margin | 6.2913% | 71 |
| Noninterest income to average assets | -0.1114% | 6,454 |
| Noninterest expense to average assets | 3.4357% | 1,631 |
| Loan and lease loss provision to assets | 0.3758% | 494 |
| Net operating income to assets | 1.1534% | 1,757 |
| Return on assets (ROA) | 1.1539% | 1,825 |
| Pretax return on assets | 1.8288% | 751 |
| Return on Equity (ROE) | 9.7121% | 2,249 |
| Retained earnings to average equity (ytd only) | 0.5261% | 5,534 |
| Net charge-offs to loans | 0.3233% | 1,367 |
| Credit loss provision to net charge-offs | 144.5320% | 1,650 |
| Earnings coverage of net charge-offs (x) | 8.4749% | 2,873 |
| Efficiency ratio | 60.9213% | 5,085 |
| Assets per employee ($millions) | 3.9077% | 4,150 |
| Cash dividends to net income (ytd only)* | 94.5826% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 2,223 |
| Loan loss allowance to noncurrent loans | 50.9097% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 4.5032% | 342 |
| Noncurrent loans to loans | 3.0669% | 731 |
| Net loans and leases to total assets | 80.0551% | 736 |
| Net loans and leases to deposits | 98.4399% | 729 |
| Net loans and leases to core deposits | 107.1150% | 949 |
| Total domestic deposits to total assets | 81.3238% | 4,644 |
| Equity capital to assets | 12.3389% | 1,742 |
| Core capital (leverage) ratio | 11.8768% | 1,711 |
| Tier 1 risk-based capital ratio | 15.7485% | 3,101 |
| Total risk-based capital ratio | 17.0035% | 3,031 |
| Memoranda: | ||
| Average total assets | $390,318,800 | 1,676 |
| Average earning assets | $356,797,000 | 1,679 |
| Average equity | $46,375,000 | 1,547 |
| Average total loans | $313,972,200 | 1,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7403% | 78 |
| Cost of funding earning assets | 0.5530% | 2,264 |
| Net interest margin | 6.1873% | 75 |
| Noninterest income to average assets | -0.0787% | 6,521 |
| Noninterest expense to average assets | 3.3351% | 1,830 |
| Loan and lease loss provision to assets | 0.4975% | 300 |
| Net operating income to assets | 1.1026% | 2,018 |
| Return on assets (ROA) | 1.1026% | 2,085 |
| Pretax return on assets | 1.7425% | 994 |
| Return on Equity (ROE) | 9.3667% | 2,515 |
| Retained earnings to average equity (ytd only) | 0.8384% | 5,547 |
| Net charge-offs to loans | 0.4240% | 939 |
| Credit loss provision to net charge-offs | 146.2612% | 1,612 |
| Earnings coverage of net charge-offs (x) | 6.5852% | 3,056 |
| Efficiency ratio | 59.8212% | 5,204 |
| Assets per employee ($millions) | 4.0008% | 3,878 |
| Cash dividends to net income (ytd only)* | 91.0489% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 2,438 |
| Loan loss allowance to noncurrent loans | 47.3782% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 5.0582% | 334 |
| Noncurrent loans to loans | 3.3021% | 756 |
| Net loans and leases to total assets | 78.2263% | 935 |
| Net loans and leases to deposits | 92.7424% | 1,159 |
| Net loans and leases to core deposits | 99.7539% | 1,390 |
| Total domestic deposits to total assets | 84.3479% | 3,618 |
| Equity capital to assets | 11.9972% | 2,061 |
| Core capital (leverage) ratio | 11.5851% | 1,991 |
| Tier 1 risk-based capital ratio | 15.6163% | 3,252 |
| Total risk-based capital ratio | 16.8712% | 3,190 |
| Memoranda: | ||
| Average total assets | $393,137,500 | 1,683 |
| Average earning assets | $359,242,500 | 1,692 |
| Average equity | $46,276,250 | 1,561 |
| Average total loans | $315,401,000 | 1,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7064% | 81 |
| Cost of funding earning assets | 0.5543% | 2,312 |
| Net interest margin | 6.1521% | 77 |
| Noninterest income to average assets | -0.0653% | 6,589 |
| Noninterest expense to average assets | 3.2794% | 1,971 |
| Loan and lease loss provision to assets | 0.5572% | 260 |
| Net operating income to assets | 1.0947% | 1,969 |
| Return on assets (ROA) | 1.0947% | 2,026 |
| Pretax return on assets | 1.7198% | 976 |
| Return on Equity (ROE) | 9.3586% | 2,435 |
| Retained earnings to average equity (ytd only) | 1.2386% | 5,256 |
| Net charge-offs to loans | 0.6144% | 650 |
| Credit loss provision to net charge-offs | 112.7049% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.6055% | 3,077 |
| Efficiency ratio | 59.0209% | 5,426 |
| Assets per employee ($millions) | 4.0542% | 3,727 |
| Cash dividends to net income (ytd only)* | 86.7654% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,107 |
| Loan loss allowance to noncurrent loans | 39.9555% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 5.1516% | 341 |
| Noncurrent loans to loans | 3.6298% | 716 |
| Net loans and leases to total assets | 77.4976% | 977 |
| Net loans and leases to deposits | 93.8729% | 967 |
| Net loans and leases to core deposits | 101.0910% | 1,199 |
| Total domestic deposits to total assets | 82.5558% | 4,463 |
| Equity capital to assets | 11.8379% | 2,112 |
| Core capital (leverage) ratio | 11.4914% | 2,005 |
| Tier 1 risk-based capital ratio | 15.7637% | 3,219 |
| Total risk-based capital ratio | 17.0165% | 3,152 |
| Memoranda: | ||
| Average total assets | $394,822,670 | 1,680 |
| Average earning assets | $360,790,000 | 1,673 |
| Average equity | $46,182,000 | 1,551 |
| Average total loans | $317,732,330 | 1,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7203% | 82 |
| Cost of funding earning assets | 0.5504% | 2,415 |
| Net interest margin | 6.1699% | 74 |
| Noninterest income to average assets | -0.1547% | 6,673 |
| Noninterest expense to average assets | 3.2062% | 2,220 |
| Loan and lease loss provision to assets | 0.5561% | 243 |
| Net operating income to assets | 1.1031% | 1,803 |
| Return on assets (ROA) | 1.1031% | 1,861 |
| Pretax return on assets | 1.7047% | 967 |
| Return on Equity (ROE) | 9.4877% | 2,256 |
| Retained earnings to average equity (ytd only) | 0.8348% | 5,258 |
| Net charge-offs to loans | 0.4448% | 813 |
| Credit loss provision to net charge-offs | 153.6313% | 1,242 |
| Earnings coverage of net charge-offs (x) | 6.2458% | 2,252 |
| Efficiency ratio | 58.6462% | 5,587 |
| Assets per employee ($millions) | 4.4118% | 3,127 |
| Cash dividends to net income (ytd only)* | 91.2007% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,502 |
| Loan loss allowance to noncurrent loans | 34.7663% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 5.6016% | 331 |
| Noncurrent loans to loans | 4.0844% | 649 |
| Net loans and leases to total assets | 78.7298% | 683 |
| Net loans and leases to deposits | 94.8583% | 725 |
| Net loans and leases to core deposits | 101.9965% | 988 |
| Total domestic deposits to total assets | 82.9973% | 4,604 |
| Equity capital to assets | 11.4988% | 2,246 |
| Core capital (leverage) ratio | 11.5604% | 1,927 |
| Tier 1 risk-based capital ratio | 15.2376% | 3,585 |
| Total risk-based capital ratio | 16.4912% | 3,536 |
| Memoranda: | ||
| Average total assets | $395,606,500 | 1,685 |
| Average earning assets | $360,459,500 | 1,690 |
| Average equity | $45,996,500 | 1,556 |
| Average total loans | $321,974,500 | 1,357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8454% | 68 |
| Cost of funding earning assets | 0.6768% | 1,982 |
| Net interest margin | 6.1687% | 69 |
| Noninterest income to average assets | 0.1177% | 6,327 |
| Noninterest expense to average assets | 3.3043% | 2,135 |
| Loan and lease loss provision to assets | 1.1120% | 153 |
| Net operating income to assets | 0.7965% | 3,303 |
| Return on assets (ROA) | 0.7965% | 3,403 |
| Pretax return on assets | 1.1786% | 2,661 |
| Return on Equity (ROE) | 6.6490% | 3,745 |
| Retained earnings to average equity (ytd only) | 0.2783% | 5,724 |
| Net charge-offs to loans | 1.5404% | 303 |
| Credit loss provision to net charge-offs | 89.3844% | 2,782 |
| Earnings coverage of net charge-offs (x) | 1.8413% | 4,433 |
| Efficiency ratio | 59.0596% | 5,598 |
| Assets per employee ($millions) | 4.3304% | 3,219 |
| Cash dividends to net income (ytd only)* | 95.8143% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,896 |
| Loan loss allowance to noncurrent loans | 29.3334% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 6.3759% | 289 |
| Noncurrent loans to loans | 4.5983% | 572 |
| Net loans and leases to total assets | 81.8382% | 425 |
| Net loans and leases to deposits | 99.1621% | 524 |
| Net loans and leases to core deposits | 106.7289% | 759 |
| Total domestic deposits to total assets | 82.5297% | 4,703 |
| Equity capital to assets | 11.7587% | 1,978 |
| Core capital (leverage) ratio | 11.5757% | 1,906 |
| Tier 1 risk-based capital ratio | 15.1368% | 3,586 |
| Total risk-based capital ratio | 16.3894% | 3,527 |
| Memoranda: | ||
| Average total assets | $383,918,800 | 1,712 |
| Average earning assets | $340,883,400 | 1,748 |
| Average equity | $45,992,000 | 1,523 |
| Average total loans | $310,045,400 | 1,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7154% | 79 |
| Cost of funding earning assets | 0.6978% | 1,968 |
| Net interest margin | 6.0176% | 81 |
| Noninterest income to average assets | 0.1370% | 6,339 |
| Noninterest expense to average assets | 3.2898% | 2,100 |
| Loan and lease loss provision to assets | 1.0511% | 154 |
| Net operating income to assets | 0.7512% | 3,595 |
| Return on assets (ROA) | 0.7512% | 3,721 |
| Pretax return on assets | 1.1086% | 3,077 |
| Return on Equity (ROE) | 6.2417% | 4,049 |
| Retained earnings to average equity (ytd only) | -0.2172% | 5,981 |
| Net charge-offs to loans | 1.7140% | 249 |
| Credit loss provision to net charge-offs | 76.4646% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.5711% | 4,313 |
| Efficiency ratio | 60.3698% | 5,375 |
| Assets per employee ($millions) | 4.3060% | 3,216 |
| Cash dividends to net income (ytd only)* | 103.4804% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,689 |
| Loan loss allowance to noncurrent loans | 25.6160% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 6.6992% | 316 |
| Noncurrent loans to loans | 4.8478% | 639 |
| Net loans and leases to total assets | 80.8530% | 467 |
| Net loans and leases to deposits | 97.9549% | 573 |
| Net loans and leases to core deposits | 105.0205% | 816 |
| Total domestic deposits to total assets | 82.5411% | 4,741 |
| Equity capital to assets | 11.7903% | 2,052 |
| Core capital (leverage) ratio | 11.5922% | 1,962 |
| Tier 1 risk-based capital ratio | 15.1994% | 3,629 |
| Total risk-based capital ratio | 16.4504% | 3,585 |
| Memoranda: | ||
| Average total assets | $382,464,500 | 1,725 |
| Average earning assets | $337,643,000 | 1,773 |
| Average equity | $46,033,000 | 1,534 |
| Average total loans | $306,728,250 | 1,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6236% | 88 |
| Cost of funding earning assets | 0.7320% | 1,823 |
| Net interest margin | 5.8915% | 91 |
| Noninterest income to average assets | 0.1560% | 6,274 |
| Noninterest expense to average assets | 3.2544% | 2,206 |
| Loan and lease loss provision to assets | 0.7879% | 275 |
| Net operating income to assets | 0.8640% | 2,975 |
| Return on assets (ROA) | 0.8640% | 3,131 |
| Pretax return on assets | 1.2879% | 2,349 |
| Return on Equity (ROE) | 7.1294% | 3,531 |
| Retained earnings to average equity (ytd only) | 0.8885% | 5,543 |
| Net charge-offs to loans | 1.6912% | 290 |
| Credit loss provision to net charge-offs | 58.5023% | 3,047 |
| Earnings coverage of net charge-offs (x) | 1.5413% | 4,019 |
| Efficiency ratio | 61.0564% | 5,318 |
| Assets per employee ($millions) | 4.3714% | 3,051 |
| Cash dividends to net income (ytd only)* | 87.5380% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,045 |
| Loan loss allowance to noncurrent loans | 24.1325% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 6.4310% | 395 |
| Noncurrent loans to loans | 4.9266% | 666 |
| Net loans and leases to total assets | 82.1860% | 344 |
| Net loans and leases to deposits | 99.7778% | 439 |
| Net loans and leases to core deposits | 106.9262% | 694 |
| Total domestic deposits to total assets | 82.3690% | 4,923 |
| Equity capital to assets | 11.9863% | 1,923 |
| Core capital (leverage) ratio | 11.7769% | 1,743 |
| Tier 1 risk-based capital ratio | 15.6313% | 3,407 |
| Total risk-based capital ratio | 16.8821% | 3,354 |
| Memoranda: | ||
| Average total assets | $380,773,000 | 1,737 |
| Average earning assets | $334,412,670 | 1,794 |
| Average equity | $46,146,670 | 1,536 |
| Average total loans | $303,212,000 | 1,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5700% | 86 |
| Cost of funding earning assets | 0.7834% | 1,624 |
| Net interest margin | 5.7866% | 99 |
| Noninterest income to average assets | 0.1806% | 6,184 |
| Noninterest expense to average assets | 3.1846% | 2,400 |
| Loan and lease loss provision to assets | 0.7919% | 275 |
| Net operating income to assets | 0.8257% | 3,022 |
| Return on assets (ROA) | 0.8257% | 3,165 |
| Pretax return on assets | 1.2270% | 2,481 |
| Return on Equity (ROE) | 6.7756% | 3,609 |
| Retained earnings to average equity (ytd only) | -0.7625% | 5,921 |
| Net charge-offs to loans | 0.3514% | 1,595 |
| Credit loss provision to net charge-offs | 289.5753% | 826 |
| Earnings coverage of net charge-offs (x) | 7.3822% | 2,076 |
| Efficiency ratio | 61.2013% | 5,421 |
| Assets per employee ($millions) | 4.6215% | 2,772 |
| Cash dividends to net income (ytd only)* | 111.2532% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,525 |
| Loan loss allowance to noncurrent loans | 39.0512% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 5.7522% | 581 |
| Noncurrent loans to loans | 4.6772% | 862 |
| Net loans and leases to total assets | 76.0075% | 841 |
| Net loans and leases to deposits | 92.3004% | 776 |
| Net loans and leases to core deposits | 98.4365% | 1,049 |
| Total domestic deposits to total assets | 82.3480% | 5,078 |
| Equity capital to assets | 12.2167% | 1,899 |
| Core capital (leverage) ratio | 11.8952% | 1,623 |
| Tier 1 risk-based capital ratio | 16.1033% | 3,203 |
| Total risk-based capital ratio | 17.3610% | 3,159 |
| Memoranda: | ||
| Average total assets | $378,819,000 | 1,754 |
| Average earning assets | $328,829,000 | 1,841 |
| Average equity | $46,165,500 | 1,551 |
| Average total loans | $294,839,000 | 1,437 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2251% | 189 |
| Cost of funding earning assets | 0.8640% | 2,189 |
| Net interest margin | 5.3611% | 211 |
| Noninterest income to average assets | -0.2052% | 6,963 |
| Noninterest expense to average assets | 2.6226% | 4,666 |
| Loan and lease loss provision to assets | 1.0352% | 383 |
| Net operating income to assets | 0.6905% | 3,781 |
| Return on assets (ROA) | 0.7061% | 3,964 |
| Pretax return on assets | 0.9219% | 3,850 |
| Return on Equity (ROE) | 5.8510% | 4,245 |
| Retained earnings to average equity (ytd only) | 1.9159% | 4,868 |
| Net charge-offs to loans | 1.7858% | 457 |
| Credit loss provision to net charge-offs | 72.2624% | 4,094 |
| Earnings coverage of net charge-offs (x) | 1.3520% | 4,780 |
| Efficiency ratio | 57.5188% | 5,896 |
| Assets per employee ($millions) | 4.9178% | 2,331 |
| Cash dividends to net income (ytd only)* | 67.2556% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 3,137 |
| Loan loss allowance to noncurrent loans | 31.8108% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 6.1766% | 549 |
| Noncurrent loans to loans | 5.1651% | 749 |
| Net loans and leases to total assets | 76.9553% | 792 |
| Net loans and leases to deposits | 94.9048% | 691 |
| Net loans and leases to core deposits | 100.5184% | 997 |
| Total domestic deposits to total assets | 81.0868% | 5,380 |
| Equity capital to assets | 12.1567% | 1,939 |
| Core capital (leverage) ratio | 11.7372% | 1,715 |
| Tier 1 risk-based capital ratio | 15.9744% | 3,178 |
| Total risk-based capital ratio | 17.2307% | 3,126 |
| Memoranda: | ||
| Average total assets | $376,726,800 | 1,730 |
| Average earning assets | $334,820,400 | 1,772 |
| Average equity | $45,462,600 | 1,530 |
| Average total loans | $302,219,200 | 1,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1859% | 218 |
| Cost of funding earning assets | 0.8742% | 2,365 |
| Net interest margin | 5.3117% | 238 |
| Noninterest income to average assets | -0.2984% | 7,096 |
| Noninterest expense to average assets | 2.5263% | 4,999 |
| Loan and lease loss provision to assets | 1.1163% | 341 |
| Net operating income to assets | 0.6462% | 4,163 |
| Return on assets (ROA) | 0.6680% | 4,319 |
| Pretax return on assets | 0.8296% | 4,382 |
| Return on Equity (ROE) | 5.5456% | 4,578 |
| Retained earnings to average equity (ytd only) | 0.4854% | 5,945 |
| Net charge-offs to loans | 2.0651% | 339 |
| Credit loss provision to net charge-offs | 66.9643% | 3,982 |
| Earnings coverage of net charge-offs (x) | 1.1511% | 4,726 |
| Efficiency ratio | 56.8320% | 5,941 |
| Assets per employee ($millions) | 5.0862% | 2,063 |
| Cash dividends to net income (ytd only)* | 91.2469% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,569 |
| Loan loss allowance to noncurrent loans | 26.7348% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 6.9758% | 515 |
| Noncurrent loans to loans | 5.9359% | 694 |
| Net loans and leases to total assets | 78.2286% | 706 |
| Net loans and leases to deposits | 96.0912% | 653 |
| Net loans and leases to core deposits | 101.8165% | 997 |
| Total domestic deposits to total assets | 81.4108% | 5,230 |
| Equity capital to assets | 11.8583% | 2,382 |
| Core capital (leverage) ratio | 11.5287% | 1,965 |
| Tier 1 risk-based capital ratio | 15.3389% | 3,626 |
| Total risk-based capital ratio | 16.5930% | 3,580 |
| Memoranda: | ||
| Average total assets | $376,240,250 | 1,752 |
| Average earning assets | $336,005,250 | 1,789 |
| Average equity | $45,319,750 | 1,544 |
| Average total loans | $303,704,750 | 1,395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2798% | 191 |
| Cost of funding earning assets | 0.8830% | 2,539 |
| Net interest margin | 5.3969% | 211 |
| Noninterest income to average assets | -0.0881% | 7,082 |
| Noninterest expense to average assets | 2.4678% | 5,241 |
| Loan and lease loss provision to assets | 0.9079% | 512 |
| Net operating income to assets | 1.0383% | 2,308 |
| Return on assets (ROA) | 1.0692% | 2,394 |
| Pretax return on assets | 1.4013% | 2,191 |
| Return on Equity (ROE) | 8.8295% | 2,882 |
| Retained earnings to average equity (ytd only) | 2.8755% | 4,712 |
| Net charge-offs to loans | 1.5645% | 615 |
| Credit loss provision to net charge-offs | 71.5187% | 3,519 |
| Earnings coverage of net charge-offs (x) | 1.7871% | 4,086 |
| Efficiency ratio | 52.1028% | 6,496 |
| Assets per employee ($millions) | 5.0993% | 2,033 |
| Cash dividends to net income (ytd only)* | 67.4326% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,663 |
| Loan loss allowance to noncurrent loans | 37.4137% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 6.7441% | 598 |
| Noncurrent loans to loans | 4.9814% | 997 |
| Net loans and leases to total assets | 80.4589% | 454 |
| Net loans and leases to deposits | 99.5139% | 444 |
| Net loans and leases to core deposits | 105.9114% | 749 |
| Total domestic deposits to total assets | 80.8519% | 5,520 |
| Equity capital to assets | 12.2767% | 1,950 |
| Core capital (leverage) ratio | 11.8690% | 1,670 |
| Tier 1 risk-based capital ratio | 15.4251% | 3,493 |
| Total risk-based capital ratio | 16.6841% | 3,450 |
| Memoranda: | ||
| Average total assets | $374,499,330 | 1,759 |
| Average earning assets | $334,785,670 | 1,795 |
| Average equity | $45,348,000 | 1,539 |
| Average total loans | $303,864,670 | 1,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 172 |
| Cost of funding earning assets | 0.9112% | 2,596 |
| Net interest margin | 5.5182% | 177 |
| Noninterest income to average assets | -0.4643% | 7,247 |
| Noninterest expense to average assets | 2.4269% | 5,384 |
| Loan and lease loss provision to assets | 0.7987% | 618 |
| Net operating income to assets | 1.0641% | 2,231 |
| Return on assets (ROA) | 1.1309% | 2,136 |
| Pretax return on assets | 1.3215% | 2,460 |
| Return on Equity (ROE) | 9.4041% | 2,635 |
| Retained earnings to average equity (ytd only) | 1.8773% | 5,306 |
| Net charge-offs to loans | 0.5317% | 1,761 |
| Credit loss provision to net charge-offs | 186.1042% | 1,410 |
| Earnings coverage of net charge-offs (x) | 4.7593% | 2,507 |
| Efficiency ratio | 54.3007% | 6,316 |
| Assets per employee ($millions) | 5.3717% | 1,813 |
| Cash dividends to net income (ytd only)* | 80.0377% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 1,872 |
| Loan loss allowance to noncurrent loans | 62.5536% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 5.6856% | 852 |
| Noncurrent loans to loans | 3.5236% | 1,768 |
| Net loans and leases to total assets | 79.2006% | 477 |
| Net loans and leases to deposits | 97.5889% | 456 |
| Net loans and leases to core deposits | 103.8813% | 773 |
| Total domestic deposits to total assets | 81.1574% | 5,558 |
| Equity capital to assets | 12.0268% | 2,019 |
| Core capital (leverage) ratio | 11.6153% | 1,823 |
| Tier 1 risk-based capital ratio | 15.0787% | 3,705 |
| Total risk-based capital ratio | 16.3419% | 3,655 |
| Memoranda: | ||
| Average total assets | $375,623,500 | 1,766 |
| Average earning assets | $335,833,500 | 1,799 |
| Average equity | $45,172,000 | 1,535 |
| Average total loans | $303,198,500 | 1,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4058% | 213 |
| Cost of funding earning assets | 1.1978% | 2,037 |
| Net interest margin | 5.2080% | 280 |
| Noninterest income to average assets | -0.0454% | 7,055 |
| Noninterest expense to average assets | 2.3514% | 5,907 |
| Loan and lease loss provision to assets | 1.2664% | 658 |
| Net operating income to assets | 0.6512% | 3,736 |
| Return on assets (ROA) | 0.6468% | 3,948 |
| Pretax return on assets | 0.9488% | 3,432 |
| Return on Equity (ROE) | 5.4043% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.9242% | 4,835 |
| Net charge-offs to loans | 1.5252% | 1,051 |
| Credit loss provision to net charge-offs | 106.3883% | 3,192 |
| Earnings coverage of net charge-offs (x) | 1.8664% | 4,374 |
| Efficiency ratio | 51.4190% | 6,744 |
| Assets per employee ($millions) | 5.5180% | 1,621 |
| Cash dividends to net income (ytd only)* | 64.3955% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 1,980 |
| Loan loss allowance to noncurrent loans | 71.9616% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 5.0887% | 1,042 |
| Noncurrent loans to loans | 2.9300% | 2,223 |
| Net loans and leases to total assets | 78.7550% | 633 |
| Net loans and leases to deposits | 96.9925% | 626 |
| Net loans and leases to core deposits | 103.1344% | 959 |
| Total domestic deposits to total assets | 81.1970% | 5,387 |
| Equity capital to assets | 12.0250% | 2,107 |
| Core capital (leverage) ratio | 11.5540% | 1,840 |
| Tier 1 risk-based capital ratio | 14.6847% | 3,842 |
| Total risk-based capital ratio | 15.9459% | 3,814 |
| Memoranda: | ||
| Average total assets | $372,159,400 | 1,753 |
| Average earning assets | $330,030,600 | 1,792 |
| Average equity | $44,538,400 | 1,525 |
| Average total loans | $290,447,600 | 1,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3782% | 236 |
| Cost of funding earning assets | 1.2648% | 1,903 |
| Net interest margin | 5.1134% | 330 |
| Noninterest income to average assets | -0.0391% | 7,146 |
| Noninterest expense to average assets | 2.3651% | 5,866 |
| Loan and lease loss provision to assets | 1.1714% | 677 |
| Net operating income to assets | 0.6645% | 3,799 |
| Return on assets (ROA) | 0.6645% | 3,973 |
| Pretax return on assets | 0.9542% | 3,576 |
| Return on Equity (ROE) | 5.5593% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.8563% | 4,645 |
| Net charge-offs to loans | 0.8883% | 1,796 |
| Credit loss provision to net charge-offs | 170.3027% | 1,775 |
| Earnings coverage of net charge-offs (x) | 3.0903% | 3,588 |
| Efficiency ratio | 52.6661% | 6,621 |
| Assets per employee ($millions) | 5.6335% | 1,480 |
| Cash dividends to net income (ytd only)* | 48.6223% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5074% | 1,389 |
| Loan loss allowance to noncurrent loans | 183.9772% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 3.5526% | 1,770 |
| Noncurrent loans to loans | 1.3629% | 4,260 |
| Net loans and leases to total assets | 76.5298% | 903 |
| Net loans and leases to deposits | 94.1445% | 822 |
| Net loans and leases to core deposits | 99.7441% | 1,268 |
| Total domestic deposits to total assets | 81.2897% | 5,339 |
| Equity capital to assets | 11.9509% | 2,290 |
| Core capital (leverage) ratio | 11.6091% | 1,953 |
| Tier 1 risk-based capital ratio | 14.6595% | 3,859 |
| Total risk-based capital ratio | 15.9249% | 3,830 |
| Memoranda: | ||
| Average total assets | $371,392,500 | 1,753 |
| Average earning assets | $329,010,500 | 1,806 |
| Average equity | $44,392,750 | 1,532 |
| Average total loans | $287,590,750 | 1,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4357% | 227 |
| Cost of funding earning assets | 1.3229% | 1,806 |
| Net interest margin | 5.1128% | 327 |
| Noninterest income to average assets | -0.0612% | 7,264 |
| Noninterest expense to average assets | 2.4566% | 5,676 |
| Loan and lease loss provision to assets | 1.1777% | 671 |
| Net operating income to assets | 0.6156% | 3,980 |
| Return on assets (ROA) | 0.6156% | 4,115 |
| Pretax return on assets | 0.8349% | 3,889 |
| Return on Equity (ROE) | 5.1501% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.1501% | 2,910 |
| Net charge-offs to loans | 0.7601% | 1,980 |
| Credit loss provision to net charge-offs | 201.0166% | 1,500 |
| Earnings coverage of net charge-offs (x) | 3.4353% | 3,168 |
| Efficiency ratio | 54.9673% | 6,510 |
| Assets per employee ($millions) | 5.4688% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5347% | 1,390 |
| Loan loss allowance to noncurrent loans | 122.0861% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 4.1134% | 1,554 |
| Noncurrent loans to loans | 2.0762% | 3,379 |
| Net loans and leases to total assets | 73.1130% | 1,573 |
| Net loans and leases to deposits | 89.8615% | 1,287 |
| Net loans and leases to core deposits | 95.0333% | 1,788 |
| Total domestic deposits to total assets | 81.3619% | 5,401 |
| Equity capital to assets | 11.9009% | 2,163 |
| Core capital (leverage) ratio | 11.8796% | 1,680 |
| Tier 1 risk-based capital ratio | 14.5801% | 3,738 |
| Total risk-based capital ratio | 15.8443% | 3,704 |
| Memoranda: | ||
| Average total assets | $369,375,000 | 1,772 |
| Average earning assets | $327,299,000 | 1,818 |
| Average equity | $44,154,330 | 1,524 |
| Average total loans | $284,692,000 | 1,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5652% | 193 |
| Cost of funding earning assets | 1.3570% | 1,843 |
| Net interest margin | 5.2082% | 255 |
| Noninterest income to average assets | -0.1423% | 7,402 |
| Noninterest expense to average assets | 2.6033% | 5,211 |
| Loan and lease loss provision to assets | 1.1911% | 592 |
| Net operating income to assets | 0.6185% | 3,940 |
| Return on assets (ROA) | 0.6185% | 4,006 |
| Pretax return on assets | 0.7105% | 4,264 |
| Return on Equity (ROE) | 5.1625% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.1625% | 3,082 |
| Net charge-offs to loans | 0.2172% | 3,215 |
| Credit loss provision to net charge-offs | 701.9355% | 542 |
| Earnings coverage of net charge-offs (x) | 11.2065% | 1,570 |
| Efficiency ratio | 57.7886% | 6,292 |
| Assets per employee ($millions) | 5.5800% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4816% | 1,485 |
| Loan loss allowance to noncurrent loans | 78.4827% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 4.7375% | 1,344 |
| Noncurrent loans to loans | 3.1620% | 2,379 |
| Net loans and leases to total assets | 74.8407% | 1,213 |
| Net loans and leases to deposits | 92.2235% | 997 |
| Net loans and leases to core deposits | 98.2624% | 1,496 |
| Total domestic deposits to total assets | 81.1514% | 5,620 |
| Equity capital to assets | 11.9750% | 1,931 |
| Core capital (leverage) ratio | 11.9278% | 1,601 |
| Tier 1 risk-based capital ratio | 14.5347% | 3,713 |
| Total risk-based capital ratio | 15.7985% | 3,673 |
| Memoranda: | ||
| Average total assets | $365,387,500 | 1,803 |
| Average earning assets | $326,021,500 | 1,838 |
| Average equity | $43,777,500 | 1,523 |
| Average total loans | $285,504,500 | 1,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3258% | 440 |
| Cost of funding earning assets | 1.7087% | 1,562 |
| Net interest margin | 4.6171% | 978 |
| Noninterest income to average assets | -0.0713% | 7,372 |
| Noninterest expense to average assets | 2.5472% | 5,625 |
| Loan and lease loss provision to assets | 1.8755% | 728 |
| Net operating income to assets | -0.2272% | 6,142 |
| Return on assets (ROA) | -0.2131% | 6,182 |
| Pretax return on assets | -0.3328% | 6,190 |
| Return on Equity (ROE) | -1.8547% | 6,156 |
| Retained earnings to average equity (ytd only) | -1.8547% | 5,945 |
| Net charge-offs to loans | 2.4725% | 761 |
| Credit loss provision to net charge-offs | 95.9445% | 4,846 |
| Earnings coverage of net charge-offs (x) | 0.7779% | 5,348 |
| Efficiency ratio | 62.6185% | 5,601 |
| Assets per employee ($millions) | 5.4924% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 2,053 |
| Loan loss allowance to noncurrent loans | 57.7588% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 5.3380% | 1,163 |
| Noncurrent loans to loans | 3.6515% | 2,044 |
| Net loans and leases to total assets | 77.8741% | 966 |
| Net loans and leases to deposits | 96.1721% | 856 |
| Net loans and leases to core deposits | 116.4994% | 625 |
| Total domestic deposits to total assets | 80.9737% | 5,533 |
| Equity capital to assets | 11.9874% | 1,923 |
| Core capital (leverage) ratio | 11.5110% | 1,826 |
| Tier 1 risk-based capital ratio | 14.1071% | 3,804 |
| Total risk-based capital ratio | 15.3623% | 3,761 |
| Memoranda: | ||
| Average total assets | $375,904,200 | 1,753 |
| Average earning assets | $336,986,800 | 1,768 |
| Average equity | $43,187,000 | 1,541 |
| Average total loans | $297,194,000 | 1,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2384% | 576 |
| Cost of funding earning assets | 1.7900% | 1,457 |
| Net interest margin | 4.4484% | 1,377 |
| Noninterest income to average assets | 0.1012% | 7,042 |
| Noninterest expense to average assets | 2.4932% | 5,737 |
| Loan and lease loss provision to assets | 1.8808% | 657 |
| Net operating income to assets | -0.1803% | 6,297 |
| Return on assets (ROA) | -0.1803% | 6,370 |
| Pretax return on assets | -0.2914% | 6,402 |
| Return on Equity (ROE) | -1.5862% | 6,351 |
| Retained earnings to average equity (ytd only) | -1.5862% | 6,112 |
| Net charge-offs to loans | 2.4894% | 683 |
| Credit loss provision to net charge-offs | 95.7066% | 4,531 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 5,244 |
| Efficiency ratio | 61.0695% | 5,779 |
| Assets per employee ($millions) | 5.6958% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 2,023 |
| Loan loss allowance to noncurrent loans | 47.3323% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 6.0900% | 972 |
| Noncurrent loans to loans | 4.4161% | 1,646 |
| Net loans and leases to total assets | 77.6714% | 1,097 |
| Net loans and leases to deposits | 95.9506% | 984 |
| Net loans and leases to core deposits | 115.0184% | 792 |
| Total domestic deposits to total assets | 80.9494% | 5,392 |
| Equity capital to assets | 12.0163% | 2,150 |
| Core capital (leverage) ratio | 11.3815% | 2,023 |
| Tier 1 risk-based capital ratio | 13.8989% | 3,913 |
| Total risk-based capital ratio | 15.1581% | 3,877 |
| Memoranda: | ||
| Average total assets | $379,255,750 | 1,758 |
| Average earning assets | $339,435,750 | 1,789 |
| Average equity | $43,120,250 | 1,545 |
| Average total loans | $299,399,000 | 1,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2658% | 547 |
| Cost of funding earning assets | 1.8470% | 1,445 |
| Net interest margin | 4.4188% | 1,397 |
| Noninterest income to average assets | 0.0576% | 7,299 |
| Noninterest expense to average assets | 2.4004% | 6,070 |
| Loan and lease loss provision to assets | 2.1190% | 577 |
| Net operating income to assets | -0.3129% | 6,487 |
| Return on assets (ROA) | -0.3129% | 6,532 |
| Pretax return on assets | -0.4976% | 6,584 |
| Return on Equity (ROE) | -2.8033% | 6,499 |
| Retained earnings to average equity (ytd only) | -2.8033% | 6,268 |
| Net charge-offs to loans | 2.4222% | 720 |
| Credit loss provision to net charge-offs | 110.9893% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.8493% | 4,923 |
| Efficiency ratio | 59.6852% | 6,101 |
| Assets per employee ($millions) | 6.1659% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 1,642 |
| Loan loss allowance to noncurrent loans | 48.4909% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 6.0243% | 974 |
| Noncurrent loans to loans | 4.6751% | 1,533 |
| Net loans and leases to total assets | 76.4602% | 1,402 |
| Net loans and leases to deposits | 93.4280% | 1,352 |
| Net loans and leases to core deposits | 136.7652% | 322 |
| Total domestic deposits to total assets | 81.8387% | 5,053 |
| Equity capital to assets | 11.5411% | 2,408 |
| Core capital (leverage) ratio | 11.1528% | 2,135 |
| Tier 1 risk-based capital ratio | 13.9402% | 3,776 |
| Total risk-based capital ratio | 15.2007% | 3,729 |
| Memoranda: | ||
| Average total assets | $382,264,670 | 1,761 |
| Average earning assets | $342,942,330 | 1,782 |
| Average equity | $42,664,330 | 1,556 |
| Average total loans | $301,298,330 | 1,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4588% | 392 |
| Cost of funding earning assets | 1.8943% | 1,473 |
| Net interest margin | 4.5645% | 1,015 |
| Noninterest income to average assets | 0.1758% | 6,702 |
| Noninterest expense to average assets | 2.3503% | 6,247 |
| Loan and lease loss provision to assets | 2.1452% | 510 |
| Net operating income to assets | -0.1727% | 6,511 |
| Return on assets (ROA) | -0.1727% | 6,585 |
| Pretax return on assets | -0.2323% | 6,586 |
| Return on Equity (ROE) | -1.5738% | 6,590 |
| Retained earnings to average equity (ytd only) | -1.5738% | 6,140 |
| Net charge-offs to loans | 3.2459% | 456 |
| Credit loss provision to net charge-offs | 83.5371% | 3,797 |
| Earnings coverage of net charge-offs (x) | 0.7449% | 4,364 |
| Efficiency ratio | 55.1301% | 6,872 |
| Assets per employee ($millions) | 6.0638% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,208 |
| Loan loss allowance to noncurrent loans | 60.7564% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 4.5844% | 1,466 |
| Noncurrent loans to loans | 3.2801% | 2,431 |
| Net loans and leases to total assets | 76.9327% | 1,341 |
| Net loans and leases to deposits | 94.1277% | 1,333 |
| Net loans and leases to core deposits | 120.9976% | 748 |
| Total domestic deposits to total assets | 81.7322% | 5,184 |
| Equity capital to assets | 11.5940% | 2,296 |
| Core capital (leverage) ratio | 11.4458% | 1,944 |
| Tier 1 risk-based capital ratio | 14.0589% | 3,619 |
| Total risk-based capital ratio | 15.3175% | 3,577 |
| Memoranda: | ||
| Average total assets | $382,254,500 | 1,803 |
| Average earning assets | $342,292,000 | 1,826 |
| Average equity | $41,936,500 | 1,592 |
| Average total loans | $302,409,500 | 1,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3927% | 847 |
| Cost of funding earning assets | 2.3848% | 1,347 |
| Net interest margin | 4.0079% | 2,824 |
| Noninterest income to average assets | 0.2240% | 6,510 |
| Noninterest expense to average assets | 2.2472% | 6,877 |
| Loan and lease loss provision to assets | 1.5372% | 1,500 |
| Net operating income to assets | 0.1823% | 4,957 |
| Return on assets (ROA) | 0.1730% | 5,060 |
| Pretax return on assets | 0.1692% | 5,077 |
| Return on Equity (ROE) | 1.8415% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.4146% | 4,079 |
| Net charge-offs to loans | 1.1415% | 2,142 |
| Credit loss provision to net charge-offs | 165.1824% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.8437% | 4,342 |
| Efficiency ratio | 56.7053% | 6,931 |
| Assets per employee ($millions) | 5.9764% | 1,262 |
| Cash dividends to net income (ytd only)* | 23.1839% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 1,839 |
| Loan loss allowance to noncurrent loans | 40.3849% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 4.9591% | 1,249 |
| Noncurrent loans to loans | 5.1806% | 1,286 |
| Net loans and leases to total assets | 78.0584% | 1,366 |
| Net loans and leases to deposits | 93.9723% | 1,599 |
| Net loans and leases to core deposits | 115.7550% | 2,345 |
| Total domestic deposits to total assets | 83.0653% | 4,493 |
| Equity capital to assets | 10.3485% | 3,342 |
| Core capital (leverage) ratio | 10.2652% | 2,815 |
| Tier 1 risk-based capital ratio | 12.5193% | 4,507 |
| Total risk-based capital ratio | 13.7746% | 4,446 |
| Memoranda: | ||
| Average total assets | $374,066,000 | 1,826 |
| Average earning assets | $348,960,000 | 1,787 |
| Average equity | $35,134,400 | 1,915 |
| Average total loans | $304,940,400 | 1,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3285% | 1,072 |
| Cost of funding earning assets | 2.4807% | 1,362 |
| Net interest margin | 3.8478% | 3,441 |
| Noninterest income to average assets | 0.2308% | 6,575 |
| Noninterest expense to average assets | 2.2170% | 6,926 |
| Loan and lease loss provision to assets | 1.4876% | 1,289 |
| Net operating income to assets | 0.1133% | 5,424 |
| Return on assets (ROA) | 0.1133% | 5,480 |
| Pretax return on assets | 0.1531% | 5,404 |
| Return on Equity (ROE) | 1.2384% | 5,422 |
| Retained earnings to average equity (ytd only) | 0.6505% | 4,916 |
| Net charge-offs to loans | 1.1937% | 1,700 |
| Credit loss provision to net charge-offs | 152.0147% | 3,144 |
| Earnings coverage of net charge-offs (x) | 1.6766% | 4,540 |
| Efficiency ratio | 57.4707% | 6,796 |
| Assets per employee ($millions) | 5.5992% | 1,514 |
| Cash dividends to net income (ytd only)* | 47.4699% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,236 |
| Loan loss allowance to noncurrent loans | 47.1803% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.7413% | 1,741 |
| Noncurrent loans to loans | 3.8406% | 1,934 |
| Net loans and leases to total assets | 81.0879% | 962 |
| Net loans and leases to deposits | 97.5964% | 1,371 |
| Net loans and leases to core deposits | 123.1438% | 1,984 |
| Total domestic deposits to total assets | 83.0849% | 4,178 |
| Equity capital to assets | 10.0756% | 3,990 |
| Core capital (leverage) ratio | 9.6665% | 3,695 |
| Tier 1 risk-based capital ratio | 11.8125% | 5,148 |
| Total risk-based capital ratio | 13.0654% | 5,082 |
| Memoranda: | ||
| Average total assets | $371,959,500 | 1,847 |
| Average earning assets | $350,595,750 | 1,797 |
| Average equity | $34,022,500 | 1,999 |
| Average total loans | $304,938,750 | 1,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2680% | 1,289 |
| Cost of funding earning assets | 2.5826% | 1,336 |
| Net interest margin | 3.6854% | 4,015 |
| Noninterest income to average assets | 0.2425% | 6,548 |
| Noninterest expense to average assets | 2.2234% | 6,997 |
| Loan and lease loss provision to assets | 0.9926% | 1,696 |
| Net operating income to assets | 0.3482% | 4,687 |
| Return on assets (ROA) | 0.3482% | 4,803 |
| Pretax return on assets | 0.5086% | 4,594 |
| Return on Equity (ROE) | 3.9391% | 4,519 |
| Retained earnings to average equity (ytd only) | 3.9391% | 3,087 |
| Net charge-offs to loans | 0.9014% | 1,897 |
| Credit loss provision to net charge-offs | 134.6434% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.0364% | 4,067 |
| Efficiency ratio | 59.6946% | 6,593 |
| Assets per employee ($millions) | 5.6962% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 3,253 |
| Loan loss allowance to noncurrent loans | 38.4332% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 3.6211% | 1,710 |
| Noncurrent loans to loans | 3.8759% | 1,753 |
| Net loans and leases to total assets | 81.9287% | 967 |
| Net loans and leases to deposits | 100.3816% | 1,249 |
| Net loans and leases to core deposits | 127.0299% | 1,782 |
| Total domestic deposits to total assets | 81.6173% | 4,851 |
| Equity capital to assets | 9.9490% | 4,018 |
| Core capital (leverage) ratio | 9.8278% | 3,480 |
| Tier 1 risk-based capital ratio | 11.8137% | 5,090 |
| Total risk-based capital ratio | 13.0663% | 5,000 |
| Memoranda: | ||
| Average total assets | $372,764,000 | 1,867 |
| Average earning assets | $352,199,670 | 1,809 |
| Average equity | $32,952,000 | 2,061 |
| Average total loans | $304,856,000 | 1,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1718% | 1,683 |
| Cost of funding earning assets | 2.7008% | 1,271 |
| Net interest margin | 3.4710% | 4,848 |
| Noninterest income to average assets | 0.2374% | 6,558 |
| Noninterest expense to average assets | 2.1817% | 6,917 |
| Loan and lease loss provision to assets | 0.6417% | 1,967 |
| Net operating income to assets | 0.4470% | 4,664 |
| Return on assets (ROA) | 0.4470% | 4,836 |
| Pretax return on assets | 0.7058% | 4,420 |
| Return on Equity (ROE) | 5.3918% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.3918% | 2,911 |
| Net charge-offs to loans | 1.2396% | 1,129 |
| Credit loss provision to net charge-offs | 63.8298% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.3404% | 4,069 |
| Efficiency ratio | 61.8182% | 6,091 |
| Assets per employee ($millions) | 5.5015% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,547 |
| Loan loss allowance to noncurrent loans | 57.1645% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.1224% | 2,717 |
| Noncurrent loans to loans | 2.1622% | 3,032 |
| Net loans and leases to total assets | 80.5220% | 1,288 |
| Net loans and leases to deposits | 95.4009% | 2,056 |
| Net loans and leases to core deposits | 122.4113% | 2,220 |
| Total domestic deposits to total assets | 84.4038% | 3,510 |
| Equity capital to assets | 8.2621% | 6,444 |
| Core capital (leverage) ratio | 8.0978% | 6,294 |
| Tier 1 risk-based capital ratio | 9.7166% | 7,235 |
| Total risk-based capital ratio | 10.9224% | 7,199 |
| Memoranda: | ||
| Average total assets | $374,021,000 | 1,865 |
| Average earning assets | $354,710,000 | 1,810 |
| Average equity | $31,010,000 | 2,189 |
| Average total loans | $303,320,000 | 1,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2246% | 696 |
| Cost of funding earning assets | 3.4955% | 527 |
| Net interest margin | 3.7291% | 4,331 |
| Noninterest income to average assets | 0.2214% | 6,860 |
| Noninterest expense to average assets | 2.2334% | 6,882 |
| Loan and lease loss provision to assets | 0.7949% | 1,869 |
| Net operating income to assets | 0.4550% | 4,929 |
| Return on assets (ROA) | 0.4579% | 4,744 |
| Pretax return on assets | 0.7082% | 4,369 |
| Return on Equity (ROE) | 5.5568% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.3376% | 2,421 |
| Net charge-offs to loans | 0.6054% | 2,022 |
| Credit loss provision to net charge-offs | 168.1261% | 3,061 |
| Earnings coverage of net charge-offs (x) | 3.1699% | 4,500 |
| Efficiency ratio | 59.8432% | 6,378 |
| Assets per employee ($millions) | 5.4194% | 1,521 |
| Cash dividends to net income (ytd only)* | 21.9409% | 4,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,406 |
| Loan loss allowance to noncurrent loans | 57.0042% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 2,327 |
| Noncurrent loans to loans | 2.3903% | 2,297 |
| Net loans and leases to total assets | 79.5650% | 1,758 |
| Net loans and leases to deposits | 95.1751% | 2,584 |
| Net loans and leases to core deposits | 118.1641% | 2,864 |
| Total domestic deposits to total assets | 83.5986% | 3,533 |
| Equity capital to assets | 8.3199% | 6,391 |
| Core capital (leverage) ratio | 8.0767% | 6,364 |
| Tier 1 risk-based capital ratio | 9.6927% | 7,095 |
| Total risk-based capital ratio | 10.9448% | 6,997 |
| Memoranda: | ||
| Average total assets | $362,320,000 | 1,850 |
| Average earning assets | $341,100,000 | 1,807 |
| Average equity | $29,855,400 | 2,270 |
| Average total loans | $282,933,800 | 1,704 |